Best Retirement Plan
Singapore 2026
Want maximum monthly income? Or steady lifetime income with capital protected? We compare 7+ MAS-licensed insurers across both strategies — and deliver your personalised quote within 24 hours. Free, no commitment, open to SC, PR, EP holders, and foreigners.
- ✓ Personalised retirement quote tailored to your goals — delivered within 24 hours
- ✓ Free 30-min Zoom consultation with a MAS-licensed advisor — no commitment
- ✓ Free comparison report (PDF) showing 7+ insurers side-by-side
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Comparing Plans From 7+ MAS-Licensed Insurers
Your Money Should Work Harder
Than a Fixed Deposit.
Whether you want to maximise monthly income or lock in lifetime payouts with capital protected — a private retirement plan delivers returns a fixed deposit simply can’t match. Here’s why 20,000+ clients chose to compare with us.
Capital Drawdown
Maximise Monthly Income
Draw down both returns and capital over a fixed period. Project 2–4% p.a. yield. Best for those who want the highest possible monthly income during retirement — starting from age 50.
Stable Lifeincome
Lifetime Income + Legacy
Receive steady lifetime income while your capital stays intact — guaranteed on termination or death. Best for those who want passive income and a legacy for the next generation.
Free Expert Comparison
No Obligation
One form. One 30-min Zoom. Your MAS-licensed advisor compares 7+ insurers and tells you exactly which plan wins for your age, goals, and budget. No pressure, ever.
Why Comparison Matters
For the same S$6,000/year premium over 10 years, monthly retirement income varies by over $128/month depending on the insurer — that’s $30,000+ over a 20-year payout period. And that’s just the drawdown strategy. Want capital guaranteed for life instead? See lifetime income plans →
| Insurer | Annual Premium | Monthly Payout (20 yrs) | Total Received |
|---|---|---|---|
| China Life | S$6,840 | $660/mth | S$158,400 |
| Income (NTUC) | S$6,000 | $624.90/mth | S$149,976 |
| Manulife | S$6,039.73 | $622.01/mth | S$149,282 |
| Etiqa | S$6,535.90 | $549.27/mth | S$131,825 |
| Singlife | S$6,011.50 | $531.33/mth | S$127,519 |
* Figures are projected estimates at 4.25% p.a. participating fund performance, including non-guaranteed bonuses. Guaranteed payouts are lower. Want Stable life income for life instead? See lifetime income plans → · Get your free personalised quote →
Three Priorities. Three Best Plans.
Capital drawdown plans maximise monthly income during retirement by drawing on both returns and principal over a fixed period. Here are the top picks based on what matters most to you. Want lifetime income with capital intact instead? See Stable Lifeincome Plans→
Income Gro Retire Flex Pro II
Highest projected upside if the participating fund performs well.
- Highest projected yield at 3.21% p.a. @ 4.25% scenario
- Projected payout up to $1,373.99/mth on S$100k single premium
- Flexi Retire Option — adjust accumulation period ±5 years
- Secondary Insured option for legacy continuation
Manulife RetireReady Plus III
The only single-premium plan with built-in disability cover.
- +50% income if unable to perform 2 of 6 ADLs
- +100% income if unable to perform 3 of 6 ADLs
- Excellent CareShield Life supplement for long-term care gap
- Lowest actual premium required at S$98,988
Singlife Flexi Retirement II
Highest guaranteed monthly income — certainty you can plan around.
- Guaranteed monthly income of $1,060/mth — highest of the three
- Guaranteed yield of 1.51% p.a. regardless of fund performance
- Total guaranteed = ~127% of your premium
- Change of Life Assured — transferable to spouse after year 1
* Illustrated at S$100,000 single premium with 10-year payout commencing at age 61. Projected payouts at 4.25% are non-guaranteed and depend on participating fund performance. Capital depletes at end of payout period. Get your free quote →
Lifetime Income Plans
Imagine depositing S$100,000 once — and receiving income every month for the rest of your life, with your full capital still intact for your family when you’re gone. That’s capital preservation. Your principal is guaranteed on termination or death. Income never stops. Legacy never shrinks.
* Feature details are based on publicly available product brochures and official insurer websites as at May 2026. SRS eligibility confirmed from official insurer sources: Singlife Flexi Life Income II — Cash & SRS (all premium terms, per Singlife product page). All other plans — Income Gro Cash Plus, Etiqa Enrich Income, Manulife Signature Income, FWD Life Income Plus — Cash only; SRS eligibility not stated on respective official product pages. Transferability terms and capital guarantee conditions are subject to each insurer’s policy contract. Payout figures will be confirmed in the insurer’s official policy illustration during your free consultation. Request your free quote →
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Common Questions
Stop Leaving Retirement Income
on the Table.
Every month you delay is a month your money isn’t growing toward the retirement income you deserve. Our MAS-licensed advisors have helped 20,000+ Singaporeans, PRs, and foreigners find the right plan since 2010. Your free comparison takes less than 2 minutes to request.
🎯 Get My Free Quote in 24 HoursImportant Information. Moneyline.SG is an independent financial comparison portal and is not a bank, insurer, or licensed financial adviser. Lead generation and advisory services are provided in partnership with Synergy Financial Advisers Pte Ltd, a MAS-licensed financial advisory firm regulated under the Financial Advisers Act (Cap. 110). Lead advisor: Eugene Low (MAS RNF: LZW300095014).
Quote & Illustration Disclaimer. All payout figures shown are projected estimates based on each insurer’s participating fund performance and include both guaranteed and non-guaranteed bonus components. The non-guaranteed portion is not guaranteed. Guaranteed monthly income is always lower than projected figures. Final premiums and payouts will be confirmed in the insurer’s official policy illustration provided during consultation.
Eligibility. Private retirement annuity plans are generally available to Singapore Citizens, Permanent Residents, Employment Pass holders, S Pass holders, and foreigners legally residing in Singapore, subject to each insurer’s eligibility criteria. Confirm eligibility with a licensed advisor before purchasing.
Data Privacy. Information submitted via this form is collected under the Personal Data Protection Act (PDPA) and used solely to provide you with a retirement plan quote and consultation. We do not sell or share your data with third parties beyond Synergy Financial Advisers for the purpose of fulfilling your request.
© 2026 Moneyline.SG · All information accurate as of April 2026.