Live offers across tracked providers in Singapore — updated daily from the Giraffy database.
22 live offers compared from 15 providers, from 0% AMC. Updated daily.
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Singapore does not have a traditional employer pension in the Western sense. Retirement funding rests on the Central Provident Fund (CPF), a mandatory savings scheme, topped up by voluntary private retirement investing. Products in this category are the private layer: Supplementary Retirement Scheme (SRS) accounts, retirement-focused investment plans, endowments and income annuities that supplement CPF LIFE, the national annuity that pays a monthly income for life from age 65. Together they aim to close the gap between CPF payouts and a comfortable retirement.
CPF contributions from employees and employers flow into Ordinary, Special and MediSave accounts, later moving to a Retirement Account that funds CPF LIFE. On top of this, individuals can open an SRS account with DBS, OCBC or UOB and invest the balance, or buy private retirement plans from insurers and digital wealth managers. The SRS offers tax relief on contributions, making it the main voluntary vehicle. Robo-advisers and banks package diversified portfolios designed to be drawn down in retirement.
Tax relief — SRS contributions reduce your assessable income, and only half of SRS withdrawals at the statutory age are taxable.
Lifelong income — CPF LIFE and private annuities convert savings into a guaranteed monthly payout you cannot outlive.
Compounding growth — Investing SRS or cash in diversified portfolios can outpace holding it as idle cash over long horizons.
Flexibility — Private plans let you choose contribution levels, payout ages and investment risk to suit your goals.
Decide whether you want guaranteed income, market-linked growth, or a blend. For SRS money, compare investment options and fees across providers rather than leaving it in cash earning minimal interest. For insurance-based retirement plans, scrutinise guaranteed versus projected payouts, the payout start age and surrender penalties. Factor in your CPF LIFE plan and expected payouts so you top up only the shortfall. Fees compound heavily over decades, so keep them low.
SRS accounts are offered by DBS, OCBC and UOB. Investment of retirement savings is served by digital wealth managers such as Endowus, StashAway and Syfe, alongside banks including UOB, Standard Chartered and HSBC and their advisory arms. Endowus is notable for allowing CPF and SRS funds to be invested in institutional-class funds. Insurers provide retirement income and annuity plans that complement CPF LIFE.
Costs are mostly ongoing fees rather than upfront prices. Digital wealth managers typically charge platform fees of roughly 0.3 to 1 percent a year on assets, plus underlying fund costs. Opening an SRS account is free, though invested funds carry management charges. Insurance retirement plans embed costs in the premium and surrender values. Because fees erode compounding over 20 to 30 years, even a fraction of a percent materially affects your final pot.
CPF is administered by the CPF Board under statute. Private retirement investing and insurance are regulated by the Monetary Authority of Singapore (MAS), which licenses fund managers, robo-advisers and insurers and enforces conduct and disclosure rules. Insurance-based retirement plans fall under the Policy Owners' Protection Scheme run by SDIC. Investment products carry market risk and are not capital-guaranteed. Disputes can be raised with the Financial Industry Disputes Resolution Centre (FIDReC).
Do I need private retirement plans if I have CPF? — CPF LIFE provides a base income; private plans and SRS help bridge the gap to your desired retirement lifestyle.
What is the SRS tax benefit? — Contributions lower your taxable income now, and only half of withdrawals at the statutory retirement age are taxed, spread over ten years.
Can I invest my CPF? — Yes, under the CPF Investment Scheme through approved providers, within set limits.
Giraffy tracks 5 pension and retirement savings products across StashAway,DBS,OCBC,UOB,Standard Chartered SG providers in Singapore. Compare by Annual Management Charge (AMC) and investment fund range to find the best fit for your retirement timeline.
The Central Provident Fund (CPF) is Singapore's mandatory savings scheme covering retirement, healthcare, and housing. Employee and employer contributions go into Ordinary, Special, and MediSave accounts with different interest rates and withdrawal rules.
A common benchmark is to aim for a retirement income of about 60–80% of your pre-retirement earnings. As a savings target, contributing 15% of your gross income from your mid-20s — including employer contributions — is a widely cited starting point. Pension calculators help model your specific situation.
Retirement savings access ages vary by country and account type. In the UK, pension access starts at age 55 (rising to 57 in 2028). Australia allows access to super from preservation age (currently 60). Check your local rules — early withdrawal penalties and tax consequences can be severe.
The Annual Management Charge (AMC) is the ongoing fee on your pension fund — typically 0.1–0.75% per year of your pot's value. On a £100,000 pot, a 0.5% AMC costs £500/year and compounds over time. Over 30 years, a 0.5% difference in charges can reduce your final pot by tens of thousands of pounds.
Automatic enrolment means eligible workers are enrolled into a workplace pension without having to opt in — the UK, Australia, Ireland, and several other markets operate similar mandatory or auto-enrolment systems. Employer contributions are effectively 'free money', so opting out generally costs you significantly over time.