Guides & Articles
Longer reads on the decisions behind the numbers, CPF, retirement planning, and building wealth in Singapore.
Gold When the Fed Is Hiking: What History Shows, and What It Means in Singapore Dollars
Do rising US interest rates hurt gold? What happened in the Fed's previous three hiking cycles and in the early 1980s, why gold is still above US$4,000 with real yields around their highest since 2008, and what it means if you earn in Singapore dollars.
Physical vs Paper Gold in Singapore: What Each One Really Costs
Gold bars, coins, ETFs, bank gold accounts and jewellery compared for Singapore investors: buy-sell gaps, storage, fees, CPF and SRS rules, and what S$10,000 costs to hold for five years.
SRS or CPF Top-Up Before 31 December: Same Tax Saving, Very Different Money
SRS contributions and CPF cash top-ups cut your tax at the same rate, but one is locked in for retirement and the other has to be invested to pay off. Here's how they compare in 2026, with worked numbers, the 31 December fine print, and a simple way to choose.
Same Index, Different Tax Bill: What ETF Domicile Actually Costs You
A US-listed and an Ireland-domiciled ETF can track the identical index and still hand you two different tax bills on the dividends, because Singapore has no tax treaty with the US. Here's what fund domicile actually means, and how to check it yourself.
CPF Now Pays More Than T-Bills: What That Actually Means
Headline inflation is at 2.2%. T-bills and Savings Bonds are paying under 2%. CPF's guaranteed floor rates are currently ahead of both, without CPF actually changing anything. Here's what that gap means for your cash, and where it doesn't apply.
CPF LIFE Standard vs Basic vs Escalating: How to Choose
Three payout shapes, one irreversible decision. Here's what each plan actually optimises for, and a framework for picking based on your own situation instead of a guess.