Plan for the retirement you deserve, whether in Singapore, your home country, or somewhere new. As an expat, you face unique challenges: no CPF contributions, multiple currencies, and uncertain final destination. We help you build a retirement strategy that works.
Unique Challenges
Unlike locals who benefit from CPF contributions, expats must build retirement savings independently. This is both a challenge and an opportunity as you have flexibility to invest across markets and jurisdictions, but you also bear full responsibility for your retirement funding.
Singapore has no capital gains tax and generally no tax on investment income. Building retirement savings here can be highly tax-efficient, a significant advantage over many other global financial centers.
Guaranteed lifetime income from a specific age
Lump sum at maturity for retirement funding
Investment growth targeting retirement timeline
Access accumulated value in retirement years
Regular savings plans into diversified funds
Expert Advice
Compound growth over 20-30 years is powerful. Even SGD 500/month starting at 35 can build a substantial retirement fund.
Years abroad may mean gaps in home country pension contributions. Supplement with personal savings in Singapore.
Retirement annuities guarantee income for life. Particularly valuable if you're unsure about longevity or investment management.
Medical expenses are the biggest unknown in retirement. Consider long-term care insurance and health insurance that's portable globally.
Get a personalized retirement strategy designed for your expat lifestyle.