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10 Things You May Not Know About CPF in Singapore

10 Things You May Not Know About CPF in Singapore

by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/10-things-you-may-not-know-about-cpf-in-singapore/ Welcome to a journey of discovery about Singapore’s Central Provident Fund (CPF). Whilst it is really only relevant for both Singapore Citizens and Permanent Residents, many Australian expats often consider becoming PR and are naturally curious about the CPF system. Whether you’re a seasoned contributor or a curious onlooker, understanding the intricacies of CPF can significantly impact your financial planning. In this blog, I’m sharing some key insights about CPF that you may not have already been aware of. 1. The Extra Interest Puzzle The CPF scheme generously offers an extra 1% interest…

CPF Bonus Interest Rates in Singapore

CPF Bonus Interest Rates in Singapore

by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/cpf-bonus-interest-rates-how-they-work/ In Singapore, planning for retirement is often synonymous with understanding the Central Provident Fund (CPF). A critical component of this is grasping how CPF bonus interest rates work. These rates are not just numbers in a policy document; they are pivotal tools that can significantly enhance your retirement savings. This guide delves deep into the world of CPF bonus interest rates, offering insights into how they can be maximised for a secure financial future. Understanding CPF Bonus Interest Rates CPF bonus interest rates are additional interest rates provided over the regular CPF interest…

Lifetime Health Cover Explained – What Australian Expats Need to Know

Lifetime Health Cover Explained – What Australian Expats Need to Know

by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/lifetime-health-cover-explained-what-australian-expats-need-to-know/ So, you’re an Australian expat or considering becoming one? Whether you’re basking under the European sun or navigating the bustling streets of Asia, there’s one thing you might not have on your radar yet: Lifetime Health Cover (LHC). But trust us, it’s something you’ll want to know about, especially if you ever plan on returning to the Land Down Under. Let’s dive in. What is Lifetime Health Cover (LHC)? You might be wondering, “What exactly is LHC?” Well, it’s a government initiative that kicked off on 1 July 2000. Its main goal? To motivate Australians…

Buying vs Renting in Singapore

Buying vs Renting in Singapore

by Tiffany Toh

This article originally appeared on – https://singapore.feebasedfinancialadvice.com/buying-vs-renting-in-singapore/ Should you rent or buy your new home? This question is not only a financial one but also touches on lifestyle choices and future plans. Singapore, known for its vibrant culture, excellent infrastructure, and high standard of living, has become a popular destination for Australian expats. However, the property market here can be quite different from what you’re used to back home. This guide aims to demystify the process and provide a comprehensive comparison between renting and buying a property in Singapore. We’ll explore the financial implications of both options, taking into account…

CPF Withdrawals – What Every Australian Expat Needs to Know

CPF Withdrawals – What Every Australian Expat Needs to Know

by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/cpf-withdrawals-what-every-australian-expat-needs-to-know/ If you’re an Australian expat residing in Singapore, you’ve likely heard about the Central Provident Fund (CPF). It’s a comprehensive social security savings plan that has been instrumental in securing the financial futures of many Singaporeans. But as an Aussie expat, you might be wondering how this system applies to you, especially when it comes to CPF withdrawals. This latest blog post aims to shed light on this crucial topic, and provide you with some peace of mind, particularly when it comes to your repatriation planning for Australia. Understanding CPF The CPF is…

Mastering the 30% Rule for Renting in Singapore

Mastering the 30% Rule for Renting in Singapore

by Tiffany Toh

This article originally appeared at – https://singapore.feebasedfinancialadvice.com/mastering-the-30-rule-for-renting-in-singapore/ Singapore, with its bustling city life and rich culture, can be a thrilling adventure for Australian expats. But as you’re settling into your new surroundings, it’s crucial to understand the financial nuances, especially when it comes to housing. Today, we’re going to delve into the 30% Rule of Rent, a vital budgeting tool to help you manage your finances effectively. What is the 30% Rule of Rent? The 30% Rule of Rent suggests that you should spend no more than 30% of your net income on housing costs. Why 30%? This threshold allows…

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