Sales charge reduces units bought (offer price = bid ÷ (1 − charge%)). Default 5% — adjust if negotiated lower.
Fund
Ccy
1M
3M
6M
1Y
3Y p.a.
5Y p.a.
10Y p.a.
SI p.a.
Fund
Ccy
No funds match.
Portfolio Builder
Enter the client's profile to generate a suggested fund allocation as a starting point for your conversation.
or
Please fill in all fields.
🎯
Fill in the client profile and click Generate Allocation to see a suggested portfolio.
Client Profile
Investment History
Fill in the fields above to see the summary.
Current Holdings
Fund
Value (SGD)
Total Portfolio Value—
Please complete all fields and add at least one holding.
⚖️
Enter the client profile, investment history and current holdings, then click Analyse & Rebalance.
💎 Single Premium Projection
Enter the client's lump sum details to see projected fund values across 3 return scenarios.
💎
Enter the lump sum amount and horizon to see projected values across Conservative, Moderate and Optimistic scenarios.
🛡️ Protection Need Analysis
Calculate the client's protection gaps across Life, Critical Illness and Disability cover.
🛡️
Enter income, expenses and existing coverage to see the protection gap analysis.
🏖️ Retirement Gap Calculator
Singapore-specific retirement plan with CPF LIFE projection, multi-bucket savings, and investment strategy analysis.
Personal Details
Retire at:
CPF Position
OA earns 2.5% p.a. · SA/RA earns 4% p.a. (floor rates). CPF LIFE pays monthly from age 65. Note: additional 1% on first S$20k OA / S$40k SA / S$60k RA is not modelled (conservative estimate).
Employer + employee. Age <35: salary × 23%.
Age <35: salary × 6%.
OA deducted each month for HDB / private mortgage. Reduces OA accumulation available for RA at 55.
Use your client's actual CPF projection letter figure here if available.
Savings & Investments (Outside CPF)
Investment Strategy
Strategy return applied to ILP / Unit Trust bucket. Cash earns 2% p.a. Other assets assumed at 3% p.a.
🏖️
Fill in the left panel to see a full Singapore retirement projection — CPF LIFE estimate, per-bucket corpus growth, funding gap, and monthly savings plan.
🎓 Education Planning
Project university costs for each child across 18 destinations. Add as many children as needed — monthly savings shown at cash vs 5% p.a. investment return, with country-specific education inflation applied.
Costs are total estimates (tuition + living) in today's SGD at a reputable university — not cheapest, not Ivy League. UK/Netherlands reflects a 3-year degree. Inflation rates are long-run historical CAGR per country.
Select a university destination to see cost projections and monthly savings required.
📋 Tax Optimisation
Singapore YA 2026. Compute your personal income tax, identify applicable reliefs, and model SRS / CPF top-up strategies to legally reduce your tax bill.
Client Profile
Income (Annual)
Auto-filled from Client Session × 12
Rental, freelance, etc.
Auto-Granted Reliefs
ℹ️ Enter income and age above to see auto-computed reliefs (Earned Income + CPF/PF Relief).
Claimable Reliefs
Check applicable reliefs and enter amounts where required. Total relief capped at $80,000.
children
parents
parents
Enter income details to compute Singapore YA 2026 tax and identify optimisation opportunities.
🏆 MDRT Tracker
Choose your planning route — enter your actual commissions earned, or plan by premium. Includes Production Bonus projection based on OAI 002/25.
Production Year (for Y1 bonus table)
New business commissions earned in the production year above.
Add each policy you plan to sell. MDRT qualification is based on total premiums sold (threshold: SGD 217,200). Commission rates are used only to estimate your Production Bonus.
ProductPPT (yrs)Annual Prem (SGD)
95%
Persistency
🏆
Enter your figures to see MDRT progress and Production Bonus.
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