facebookUltimate Insurance Savings Plans Comparison: Dash PET vs Dash EasyEarn vs GIGANTIQ vs Singlife Account
425
shares

Advertisement

Ultimate Insurance Savings Plans Comparison: Dash PET vs Dash EasyEarn vs GIGANTIQ vs Singlife Account

profileJoel Koh

Dash Pet vs Dash EasyEarn vs GIGANTIQ vs Singlife Account: Which Insurance Savings Plan Is Better?

不管黑猫白猫,捉到老鼠就是好猫。(No matter if it is a white cat or a black cat; as long as it can catch mice, it is a good cat).”
— Deng Xiaoping

What Deng Xiaoping, the de-facto leader of the Chinese Communist Party in the 1970s recognised is this: there are many ways to reach your goals.

Source: Giphy

If you’ve been paying attention to what’s going on in the world of personal finance…

One of the more new-ish types of investments that you can consider is an insurance savings plan.

It’s basically a financial product that is a combination of a regular savings plan, insurance protection, and a traditional bank account.

More specifically, I’m referring to Dash PET, Dash EasyEarn, GIGANTIQ, and the Singlife Account.

All of which are universal life plans that offer an attractive rate of return on the money you put into the account.

And they also provide a bit of insurance coverage too.

If these benefits and features appeal to you, read on for our comparison and find out which is a good fit for your financial goals.

Note: the interest rates for these accounts change from time to time, but we’ll update it whenever we get the latest!

In the meantime, do save this article for any future updates!


TL;DR: Dash PET vs Dash EasyEarn vs GIGANTIQ vs Singlife Account, Which Is the Best?

Trying to find out which insurance savings plan you should go with?

Here’s an overview comparing all four insurance savings plans available on the market right now:

Comparison of Insurance Savings Plan

Dash PET
(by Etiqa Insurance)
Dash EasyEarn
(by Etiqa Insurance)
GIGANTIQ
(by Etiqa Insurance)
Singlife Account
Crediting Rate
(First Policy Year)
Sign ups before 27 Apr 2021:
First $10k
1.7% p.a.
Next $20k
1.2% p.a.

Sign ups from 27 Apr 2021:
First $10k
1.3% p.a.
Next $20k
0.3% p.a.

Rates are non-guaranteed
1.8% p.a.

1.2% p.a.
(w.e.f. 1 Jul 2021 or after first policy anniversary date whichever is later)
Sign ups before 19 Nov 2020
First $10k 2.0% p.a.
Above $10k: 1.0% p.a.

Sign ups after 19 Nov 2020
First $10k: 1.8% p.a.
Above $10k: 1.0% p.a.

0.7% p.a.
(w.e.f. 1 Aug 2021 or after first policy anniversary date whichever is later)
First $10k: up to 1% p.a.

Next $90k: 0.5% p.a.

Above $100k: 0.0% p.a.

(Singlife's crediting rates are currently applicable beyond the first policy year)
Account Balance Cap$30k$20k$200kNone
Bonus Interest CategoriesActivate FREE protection for additional 0.2% p.a. on first $10k

3 paid protection plans for additional 0.25% p.a. each
--0.5% p.a. on first $10k for $500 monthly spend on Singlife Card (till 31 Dec 2021)

0.5% p.a. on first $10k for purchasing Grow ILP
Can New Customers Sign Up?YesNoYes
Initial Deposit$50 (min)
$30k (max)
$2k (min)
$20k (max)
$50$500
Minimum Account Balance to Earn Returns$50$2k$50

Note: policy will be de-activated if the average daily account value for the calendar month falls below $50
$100
Lock-InTop up or withdraw anytime
Withdrawal PenaltyWithdraw 100% of your capital anytime without penalty
Withdrawal Fee$0.70 service fee via PayNow

Free via Dash Wallet
$0.70 service fee via PayNow

Free via Dash Wallet
$0.50 service fee via Direct Credit (POSB or DBS) withdrawal

$0.70 service fee via PayNow withdrawal
None
Withdrawal RequirementsMinimum of $1 in multiples of $1 (capped at $200k)Minimum of $100 in multiples of $100No restrictionsNo restrictions
Minimum Top Up Requirements$1 (Dash Wallet/PayNow)
$50 (eNETS)
Minimum of $500 in multiples of $500*Minimum $1 up to Account Balance Cap No restrictions
Life Insurance Coverage
(For death)
105% of the account value
COVID-19 Coverage AmountUp to $52k per insured personN.A.
Capital Guaranteed?Capital guaranteed by SDIC under PPF*

Click to Teleport:


Dash PET Review for 2021

Dash PET is an insurance savings plan underwritten by Etiqa and offered in partnership with Singtel Dash.

Source: Singtel Dash | Instagram

The policy is a capital guaranteed, single premium, non-participating universal life plan with no lock-in period or penalties for early withdrawal.

Dash PET policyholders are also covered for life protection and COVID-19.

By the way, its one of the few ISPs that are open for application right now.

Dash PET Rate of Return (27 April 2021 Update)

From 27 April 2021, new users who sign up for Dash PET will get to enjoy a crediting rate of:

  • 1.3%* p.a. for the first year on the first $10,000 of the account value
  • 0.3%* p.a. for the first year on the next $20,000 of the account value

*Note: the crediting rate is non-guaranteed.

This means that you will get to enjoy a blended rate of return of ~0.63% for your first policy year on the first $30,000 in your Dash PET account.

Even though the rates are lower, Dash PET still looks attractive as it is one of the few insurance savings plans you can sign up for.

And these key benefits still apply:

  • capital guaranteed
  • no lock-in period

Existing Dash PET users who signed up before 27 April 2021 will continue to enjoy a 1.7% p.a. (guaranteed 1% p.a. + 0.7% p.a. bonus) rate of return on the first $10,000 for the duration of your first policy year, including subsequent top-ups.

For the next $20,000, you’ll get to enjoy a 1.2% p.a. (guaranteed 1% p.a. + 0.2% p.a. bonus) rate of return.

This means that you will get to enjoy a blended rate of return of ~1.37% for your first policy year on the first $30,000 in your Dash PET account.

Dash PET Add-Ons

From today, Dash PET users can boost their returns from 1.3% p.a. to 1.5%^ p.a. for the first S$10,000 savings by simply opting in for FREE insurance coverage.

This free add-on provides coverage of up to $50,000^ and an additional 0.2% p.a. interest on the first $10,000 in your Dash PET account.

Here are the details:

  • Death & Total and Permanent Disability protection^
  • Sum assured of up to 5X of the first S$10,000 of your Dash PET account value
  • Complimentary coverage for first Dash PET policy year
  • In the event users are not eligible for this protection, complimentary Accidental Death coverage will be offered for the same duration. Sum assured will be based on age and occupation.

^Free protection is applicable to selected Dash PET users only. Complimentary Accidental Death coverage will be offered for the same duration if you are not eligible for this add-on protection. Sum assured will be based on your age and occupation. Additional 0.2% p.a. to the existing 1.3% p.a. returns for your first S$10,000 Dash PET savings will be applied during the first policy year while the complementary protection is active.

In addition, a new suite of three add-on protection plans (riders) is also added as part of this enhancement. Users can get up to $100,000 coverage from just S$0.02 a day, and additional returns of up to 0.25% for every activated plan.

The plans available are:

  • Major Cancer
  • Accidental Death
  • Death & Total and Permanent Disability (to supplement the free protection, if users wish to).

How To Apply for Dash PET?

You’ll need to first create a Dash account and then sign up for the insurance savings plan via the Dash app.

This plan is only open to eligible Singtel Dash users aged 17 to 75 years old, who have a valid Singaporean NRIC or Singapore residency/work pass.

And no matter how much money you’ve got, only one Dash PET policy per individual is allowed at any point in time, regardless of whether your policy is active or inactive.

Once you have your account, you’ll need to make a minimum initial deposit of $50 and maintain an average daily account value of $50 to be entitled to interest crediting.

Even though this is considered the first single premium that you will pay to the plan; you can continue making top-ups to the account anytime.

Again, you might be rolling in cash, but there is a maximum cap of $30,000 for your Dash PET account.

How Easy Is It To Make Withdrawals from Dash PET?

When it comes to top-ups and withdrawals, there are quite a few restrictions.

The minimum top-up amount is as follows:

  • At least $1 if you are using Dash Wallet/PayNow
  • At least $50 for top-ups using eNETS
  • The top-up amount must also be in multiples of $1

In addition, you cannot make any more top-ups if you are 76 and older.

The minimum withdrawal is $1 (or its multiples) per withdrawal and cannot exceed $200,000.

More importantly, you’ll be charged $0.70 for each partial withdrawal you make to your bank account via PayNow.

Note: this applies to surrender or free look requests into PayNow as well.

I know what you’re thinking… you could withdraw it via your Singtel Dash account at no charge.

BUT your money is technically locked up in it and you have to consciously remember to spend it via Dash.

How Much Life Insurance Coverage Do I Get with Dash PET?

Although the Dash EasyEarn is a universal life plan, the coverage is not as comprehensive as compared to traditional universal life plans.

Upon your (unfortunate) demise, Etiqa will pay out 105% of your account value (after subtracting whatever amount you owe them).

Etiqa will also pay out 105% of your account value when the policy matures immediately before you turn 100 years old.

What Else Do I Need to Take Note About Dash PET?

Unlike most bank savings accounts, there is no fall below fee for the Dash PET.

You also can top up and withdraw funds anytime, with no lock-in period or penalty.

Another thing to note is that on the Dash PET product summary page there is a line that states:

Please note that Etiqa Insurance reserves the right to delay the payment of the partial withdrawal amount for up to a period of 6 months from the date of your withdrawal application.

This line is standard for Etiqa’s other life insurance policies… so make of it what you will.

Back to top.


Dash EasyEarn Review for 2021

Source: Singtel Dash

Dash EasyEarn is an insurance savings plan underwritten by Etiqa and offered in partnership with Singtel.

The policy is a capital guaranteed, single premium, non-participating universal life plan with no lock-in period or penalties for early withdrawal.

Dash EasyEarn Rate of Return

From 1 July 2021 or on your first policy anniversary date (whichever is later), the crediting rates will be reduced to 1.20% p.a.

Previously, customers could enjoy a guaranteed 1.5% p.a. rate of return, with an additional bonus of 0.3% p.a. rate of return for the first year.

This used to add up to a guaranteed 1.8% p.a. rate of return — for the first year at least.

How To Apply for Dash EasyEarn?

Unfortunately, Dash EasyEarn is currently fully subscribed.

To sign up for Dash EasyEarn, you’ll need to create a Dash account and then sign up for the insurance savings plan via the Dash app.

This plan is only open to Dash users aged 17 to 75 years old, who has a valid Singaporean NRIC or Singapore residency/workpass.

Once you’ve opened an account, you’ll need to make a minimum initial deposit of $2,000 and maintain an average daily account value of $2,000 to be entitled to interest crediting.

You can make top-ups anytime you want but the maximum cap is $20,000.

How Easy Is It To Make Withdrawals from Dash EasyEarn?

Similar to Dash PET, when it comes to top-ups and withdrawals, there are quite a few restrictions.

The minimum top-up is $500, and can only be done in multiples of $500.

The minimum withdrawal is $100, and can only be done in multiples of $100.

In addition, you’ll be charged $0.70 for each withdrawal you make to your bank account via PayNow.

The alternative?

Yep, you guessed it.

Withdraw it via your Singtel Dash account at no charge, but you’ll have to spend it via Dash.

How Much Life Insurance Coverage Do I Get with Dash EasyEarn?

Although the Dash EasyEarn is a universal life plan, the coverage is not as comprehensive as compared to traditional universal life plans.

Upon your (unfortunate) demise, Etiqa will pay out 105% of your account value (after subtracting whatever amount you owe them).

Etiqa will also pay out 105% of your account value when the policy matures immediately before you turn 100 years old.

What Else Do I Need to Take Note About Dash EasyEarn?

Unlike most bank savings accounts, there is no fall below fee for the Dash EasyEarn.

You also can top up and withdraw funds anytime, with no lock-in period or penalty.

Again, similar to Dash PET, the Dash EasyEarn product summary page has this one-liner as well:

Please note that Etiqa Insurance reserves the right to delay the payment of the partial withdrawal amount for up to a period of 6 months from the date of your withdrawal application.

If you already have money inside Dash EasyEarn, here’s a promotion for you.

From 8 July 2021 to 31 December 2021, maintain at least $10,000 average daily account value and receive:

  • 100 Dash reward points every month you meet this savings milestone
  • Bonus 2,000 Dash reward points if you meet this milestone every month for six months..

Back to top.


GIGANTIQ Review for 2021

Source: Tiq by Etiqa Insurance

Next up, we have GIGANTIQ by Etiqa Insurance.

Etiqa is positioning this product as an “all in one insurance tool with savings and protection plans to fulfil your life goals”.

In other words, it is yet another capital guaranteed, single premium, non-participating universal life plan with no lock-in period or penalties for early withdrawal.

GIGANTIQ Rate of Return (w.e.f. 1 August 2021)

GIGANTIQ offers a guaranteed 1.0% p.a. rate of return for the first year for those who signed up from 19 November 2020,

Plus a bonus 0.8% p.a. rate of return on your first $10,000 for the first year.

Previously, the rates were 2% p.a. and 1% p.a. before 19 November 2020.

In other words, you will be enjoying:

  • 1.8% p.a. for the first $10,000
  • 1.4% p.a. for the first $20,000.
  • 1.16% p.a. for the first $50,000.

The rate of return is calculated based on the daily account value and is credited into the account at the end of each calendar month.

If we compared this with Dash’s offerings or Singlife, GIGANTIQ easily triumphs all other ISPs’ rate of return for the first year.

HOWEVER, the biggest difference is the guaranteed rate of return for the subsequent year.

With effect from 1 August 2021 or your first policy anniversary date (whichever is later), GIGANTIQ’s crediting rate will be reduced from 1.0% p.a. to 0.7% p.a.

This means that after the first policy year, Dash EasyEarn clocks in at the highest with 1.2% p.a. whereas GIGANTIQ’s has been reduced to a paltry 0.7% p.a. without any bonus.

How To Apply for GIGANTIQ?

GIGANTIQ is currently fully subscribed.

But if applications are open, you’ll need to download the Tiq by Etiqa app in order to register for an account.

You’ll have to meet the following criteria to be eligible:

  1. You are a Singapore citizen or permanent resident with a valid NRIC; or
  2. You are a foreigner holding a valid Work Pass/Permit or Long-Term Visit Pass.
  3. You are between age 17 to 75 (age next birthday).
  4. You are only allowed to purchase one GIGANTIQ plan at a time.

And provide a photo ID to complete the sign-up.

Once you get that sorted out, you can start growing your savings with as little as $50.

Note: payment can ONLY be done via DBS or POSB bank accounts or via your Etiqa eWallet.

Like the rest of the ISPs so far, you can continue making any amount of top-ups to your GIGANTIQ account anytime.

But there is a maximum cap of $200,000.

How Easy Is It To Make Withdrawals from GIGANTIQ?

With this policy, there is no lock-in period, which means that you can top-up and withdraw money from your GIGANTIQ account anytime.

However, a transaction fee will be charged for each partial withdrawal, surrender, or free look request:

  • PayNow: $0.70 per transaction.
  • Direct Credit (DBS or POSB) $0.50 per transaction.

However do note that if after withdrawal, the average daily account value for the calendar month cannot fall below $50.

If the average daily account value for the calendar month falls below $50 and the required top-up to keep the policy in force is not paid by the expiry date of the grace period, your policy will be de-activated immediately and Eqtiq will return the account value, less any amounts owed to them.

How Much Life Insurance Coverage Do I Get with GIGANTIQ?

Similar to Dash PET and EasyEarn, GIGANTIQ’s coverage is not as comprehensive as compared to traditional universal life plans.

Upon your (unfortunate) demise, Etiqa will pay out 105% of your account value (after subtracting whatever amount you owe them).

Etiqa will also pay out 105% of your account value when the policy matures immediately before you turn 100 years old.

What Else Do I Need to Take Note About GIGANTIQ?

There’s no fall below fee levied but your policy will be de-activated if your average daily account value for the calendar month falls below $50.

Oh, FYI: your policy will be automatically renewed for another year unless you write to Etiqa to request a policy termination.

Besides this, you can also earn up an additional 0.25% p.a. on the first $10,000 for selected life or general insurance products offered as a supplementary rider under GIGANTIQ.

I know I’m repeating myself again, but since GIGANTIQ is ALSO underwritten by Etiqa, here’s the same one-liner in their policy provisions:

Please note that Etiqa Insurance reserves the right to delay the payment of the partial withdrawal amount for up to a period of 6 months from the date of your withdrawal application.

Back to top.


Eh… What About COVID-19 Protection?

Since Dash PET, Dash EasyEarn and GIGANTIQ are all underwritten by Etiqa, you get to enjoy additional COVID-19 protection.

In fact, all existing and new Insured Person(s) who have bought life protection and insurance savings plans underwritten by Etiqa Insurance Pte. Ltd. are entitled to COVID-19 Financial Assistance Benefit(s).

If you noticed, this insurance savings plan niche is dominated by Etiqa.

We hope that other insurers would jump in and offer some competition in this space to liven things up.

Here are the details of the benefit(s):

BenefitDetailsMaximum Payout per Insured PersonMaximum Days of Hospitalisation Benefit
Hospitalisation BenefitIf the Insured Person is hospitalised due to the contraction of the Novel Coronavirus (COVID-19), we will provide a hospitalisation benefit of S$100 per day for stable condition, up to S$1,000.$1,00010
Intensive Care Unit (“ICU”) BenefitIf the Insured Person is hospitalised and warded in the ICU due to the contraction of the Novel Coronavirus (COVID-19), we will provide an ICU benefit of S$200 per day up to S$1,000.$1,0005
Death BenefitIn the unfortunate event of the Insured Person passing away due to the contraction of the Novel Coronavirus (COVID-19), we will provide a lump sum death benefit of S$50,000.$50,000N.A.

Do Note

  • For policies issued/ reinstated on or after 13 February 2020, the Financial Assistance Benefit for the Novel Coronavirus (COVID-19) will not be payable if:
    • The Insured Person’s first diagnosis by a Medical Practitioner occurs within 14 days from the policy issue/ reinstatement date; or
    • The Insured Person shows symptoms of the virus strain and is suspected to have contracted the Novel Coronavirus (COVID-19) before 13 February 2020.
  • The maximum benefit payable under the Financial Assistance Benefit for the Novel Coronavirus (COVID-19) is $52,000 per Insured Person, regardless of the number of Etiqa Singapore life insurance policies with the same Insured Person.
  • Etiqa Singapore reserves the discretion to make amendments to the benefits and its validity at any time.

Singlife Account Review for 2021

Source: Singlife

The Singlife Account is capital guaranteed insurance savings plan that gives up to 2.0% p.a. returns.

It also comes with an optional Visa debit card which you can use to earn a bit more bonus returns.

Singlife Account Rate of Return (w.e.f. 1 July 2021)

Here’s how the Singlife Account crediting rate works:

  • 1.0% p.a. for your first $10,000
  • 0.5% p.a. for your next $90,000
  • 0% p.a. for amounts above $100,000.

In other words, you will be enjoying:

  • 1.0% p.a. for the first $10,000
  • 0.75% p.a. for the first $20,000.
  • 0.6% p.a. for the first $50,000.

The returns are calculated daily and credited to your account on a monthly basis.

You should note that the Singlife Account’s crediting rates are not guaranteed.

For existing policyholders complaining about the decrease in the rate of returns from 1.5% p.a. to 1.0% p.a…

You can still get up to 2.0% p.a. by participating in the Save, Spend, Earn campaign and Grow Bonus Return campaign.

For the Save, Spend, Earn campaign, all you have to do is spend a minimum of $500 every calendar month from now till 31 December 2021 using your Singlife Visa Debit Card in order to enjoy the additional bonus 0.5% p.a. rate of return on your first $10,000.

As for the Grow Bonus Return campaign, you need to sign up for a Grow policy and fund a minimum of $1,000 to enjoy the additional bonus 0.5% p.a. rate of return on your first $10,000.

Do note that your Grow policy has to be in force by 30 November 2021 to qualify.

How To Apply for Singlife Account?

Similar to Dash PET, Dash EasyEarn, and GIGANTIQ, you’ll need to download Singlife’s app.

You can sign up for an account using MyInfo by logging in with SingPass and confirming your personal details.

Once your Singlife ID is created and your Singlife account is approved, you can get started by transferring a minimum of $500 via FAST transfer.

You’ll need to maintain an average daily account value of $100 to enjoy the return rates.

Note: the Singlife Account is available for Singapore residents who are Singapore citizens, Singapore Permanent Residents or foreigners holding valid passes, and who are between 18 and 75 years old.

How Easy Is It To Make Withdrawals from Singlife Account?

Top-ups and withdrawals can be done over FAST.

There are also no restrictions or service fees incurred, and that makes it more fuss-free as compared to the first three ISPs.

How Much Life Insurance Coverage Do I Get with Singlife Account?

Although the Singlife Account is also a universal life plan, the coverage is slightly more comprehensive than the other policies due to the additional terminal illness coverage it provides.

This policy provides life insurance coverage for death or terminal illness, for up to 105% of your account value at age 60.

Here’s a more detailed explanation of the life insurance coverage in the event of death or terminal illness:

In Event of Death or Terminal IllnessBenefit
Before the policy anniversary on which account holder’s age last birthday is 61The sum of:
- account value

and

- 5% of account value or SGD 50,000, (whichever is lower)
On or after the policy anniversary on which
account holder’s age last birthday is 61
The sum of:
- account value

and

- 1% of account value or SGD 50,000
(whichever
is lower)

This means that the additional 5% coverage on top of the 100% is only for policyholders under the age of 61.

Once you’re past 61 years old, that additional coverage is reduced to 101% of the account value.

What Else Do I Need to Take Note About Singlife Account?

Similar to the other three ISPs, there is no fall below fee for the Singlife account.

What’s interesting is that the Singlife account also provides Retrenchment Coverage, which is particularly useful given the state of our economy due to COVID-19.

Here’s an overview of how this coverage works:

Let’s say you are (unfortunately) retrenched and remain unemployed for 4 months.

You can submit a claim, within 90 days, to Singlife to receive your Retrenchment Benefit.

Singlife will take your average monthly Singlife Visa Debit Card spend over 6 months before your retrenchment to calculate this benefit.

Assuming your average monthly card spend is $800, your Singlife Retrenchment Benefit will be $800.

Singlife will pay you $800 for 3 months — up to a cap of $10,000 in total.

There are prevailing terms and conditions of course, but it’s a pretty nice thing to have, no?

Back to top.


Dash PET vs Dash EasyEarn vs GIGANTIQ vs Singlife Account: Which One Should I Pick?

In this low-interest-rate environment, all four options are pretty decent if you want someplace to:

  • store your emergency fund
  • park your investment war chest, OR
  • earn some interest while waiting to fund an upcoming expense

Assuming you’re a brand new customer, your only choices are:

  • Dash PET
  • Singlife Account

But what I would do if I had $20k, is put $10k in Dash PET and put the other $10k in my Singlife Account.

In order to maximise my chances of getting the largest amount of non-guaranteed interest that I can get.

Alternatively, if liquidity is a huge concern to you, then the Singlife Account is a no-brainer since it has

  • Flexibility with tops and withdrawals (high liquidity)
  • Additional terminal illness and retrenchment coverage
  • Optional Visa debit card which can be used to spend your money in your Singlife Account

I mean, overall, the non-guaranteed rate of returns for the Singlife Account is still pretty promising.

.

.

.

If you’re a current user of any of these ISPs and are considering switching…

Just wait a moment and think about it.

This low-interest-rate environment means financial institutions will revise their interest rates willy nilly.

So who’s to say that they won’t make more changes or revise downwards in the future after you go through the hassle of transferring all of your money into their product?

Source: SpongeBob SquarePants | Giphy

I’d rather just leave it wherever it is to earn whatever interest I can get.

And focus on growing my wealth via other means like exploring side hustles or learn alternative investment strategies to earn extra money.

But hey, you do you.

Back to top.


How Safe Is My Money if I Leave It in an Insurance Savings Plan?

All four insurance savings plans are protected under the Policy Owners’ Protection (PPF) Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC).

This coverage is automatic so you do not need to apply for anything.

According to SDIC, the amount insured (aka amount deposited) has a guaranteed surrender value at the point of failure that is capped at $100,000.

There is also a cap of $500,000 for the aggregated guaranteed sum assured.

Basically, your money’s safe as long as you’re dealing with amounts within what is covered.

If you’d like to find out more about the types of benefits covered under the scheme as well as the limits of coverage.

You can check out the Life Insurance Association (LIA) or SDIC website for more information.

If you’re still unsure about committing to an insurance savings plan, all policies come with a 14 day free look period where you can terminate the policy without any penalties.

Disclaimer: The information provided by Seedly serves as an educational piece and is not intended to be personalised investment advice. ​Readers should always do their own due diligence and consider their financial goals before investing.

Advertisement

profile
About Joel Koh
History student turned writer at Seedly. Before you ask, not a teacher. My time as a history student has equipped me with the skills to evaluate the impact societal development has on financial and nonfinancial events.
You can contribute your thoughts like Joel Koh here.

Still have more questions after reading the article? Fret not, ask our community here!

Stay updated with the latest finance tips!
Receive bite-sized finance on Telegram here.

What's Popular

    • Loading articles
    • Loading articles
    • Loading articles
    • Loading articles
    • Loading articles

What's Popular

    • Loading articles
    • Loading articles
    • Loading articles
    • Loading articles
    • Loading articles

Still have more questions after reading the article? Fret not, ask our community here!

Get up to S$365 worth of Bitcoin! T&Cs apply!

reward

Get up to S$365 worth of Bitcoin

Valid till Oct 10