Personal Wealth Dashboard · Multi-tab Cloudflare Version

Professor Dr. Tan’s Consolidated Wealth, Insurance & Premium Calendar

A tabbed dashboard designed for quick navigation as more accounts, policies, liabilities, health premiums, riders, and optimization decisions are added. Values are kept in native currency unless FX conversion is explicitly requested.

Snapshot date: 28 May 2026
Tracked SGD Assets
SGD 1,757,878.55
Includes confirmed assets and Singlife schedule-based value.
SGD Liabilities
SGD 775,369.00
Both major CIMB facilities are treated as linked financing.
Net SGD Before FX
SGD 982,509.55
Excludes USD and MYR until FX is applied.
Health Premiums
SGD 5,103.23
Known annual family health-protection impact.
Foreign-Currency Assets
Native-currency view
No stale FX
CurrencyAmount
USDUSD 1,000.00
MYRMYR 706,035.32
Health Premium Split
Base versus rider / supplementary cover
Optimization ready
CategoryAnnualMonthly
Base / standaloneSGD 3,442.28SGD 286.86
Rider / supplementarySGD 1,660.95SGD 138.41
TotalSGD 5,103.23SGD 425.27
SGD Assets
Confirmed and schedule-based SGD assets
SGD 1,757,878.55
BucketInstitutionAccountCategoryLiquidityStatusAmount
CPFCPFCPF Ordinary AccountRetirementRestrictedconfirmedSGD 16,596.08
CPFCPFCPF MediSave AccountRetirement / HealthcareRestrictedconfirmedSGD 76,594.43
CPFCPFCPF Retirement AccountRetirementRestrictedconfirmedSGD 285,851.78
DBSDBSCPFIA / SRS cash balanceTax-advantaged / RetirementRestrictedconfirmedSGD 71,333.62
DBSDBSTK-NETSBank cashLiquidconfirmedSGD 2,234.28
DBSDBSDBS Multiplier AccountBank cashLiquidconfirmedSGD 24,326.17
DBSDBSJ-AutosavePlusBank cashLiquidconfirmedSGD 19,282.20
CIMB SingaporeCIMBFastSaver AccountBank cashLiquidconfirmedSGD 6,124.30
NTUC IncomeIncomeLUXE SOLITAIRE policy net cash valueInsurance policy assetPolicy-linkedconfirmedSGD 360,000.00
NTUC IncomeIncomeLUXE SOLITAIRE deposited cash benefits and interestPolicy deposit accountPolicy-linked / withdrawableconfirmedSGD 36,716.21
NTUC IncomeIncomeINVEST FLEX VANTAGE market valueInvestment-linked policyPolicy-linked / market-linkedconfirmedSGD 53,140.82
NTUC IncomeIncomeGRO RETIRE EASE net cash valueRetirement/endowment policy asset - fully paid-up premiumPolicy-linkedconfirmedSGD 82,753.16
NTUC IncomeIncomeLIVING net cash valueWholelife policy assetPolicy-linkedconfirmedSGD 89,213.70
NTUC IncomeIncomeGRO CAPITAL EASE net cash valueShort-term endowment / SRS-funded policyPolicy-linked / near maturityconfirmedSGD 8,224.80
SinglifeSinglife / CIMBFlexi Life Income II guaranteed surrender value basisParticipating whole life / premium-financed policyPolicy-linkedschedule-based; no Singlife portal accessSGD 625,487.00
SGD Liabilities
Linked financing treatment
SGD 775,369.00
BucketInstitutionAccountTreatmentAmount
Premium FinancingCIMBSA Loan / premium financing linked to Income LUXE SOLITAIRELinked financingSGD 300,000.00
Premium FinancingCIMBPremium financing with CIMB loan 475370 linked to Singlife Flexi Life Income IILinked financing / Singlife policySGD 475,369.00
Foreign Currency Assets
Preserved in native currency
CurrencyBucketInstitutionAccountCategoryStatusAmount
USDCIMB SingaporeCIMBCurrent AccountForeign currency cashconfirmedSGD 1,000.00
MYRMalaysia EPF / KWSPEPF / KWSPAkaun 55RetirementconfirmedSGD 539,930.12
MYRMalaysia EPF / KWSPEPF / KWSPAkaun EmasRetirementconfirmedSGD 166,105.20
Insurance & Policy Portfolio
NTUC Income and Singlife policy structures
6 policies
ProviderPolicyNo.TypeAsset valueLinked liabilityNet equityCash-flow treatmentStatus
NTUC IncomeLUXE SOLITAIRE1813167342Premium-financed policySGD 396,716.21SGD 300,000.00SGD 96,716.21Monthly inflow SGD 1,368; loan payment SGD 481.56; net monthly carry SGD 886.44Confirmed
NTUC IncomeINVEST FLEX VANTAGE1814566849Investment-linked whole lifeSGD 53,140.82SGD 0.00SGD 53,140.82Yearly premium SGD 24,000 due 26 Sep 2026Confirmed
NTUC IncomeGRO RETIRE EASE1812754958Limited-pay retirement/endowmentSGD 82,753.16SGD 0.00SGD 82,753.16Fully paid-up; expected monthly benefit around 05 Jun 2031Confirmed
NTUC IncomeLIVING0064488969WholelifeSGD 89,213.70SGD 0.00SGD 89,213.70Yearly premium SGD 1,298 due 19 May 2027Confirmed
NTUC IncomeGRO CAPITAL EASE1813523626Short-term SRS-funded endowmentSGD 8,224.80SGD 0.00SGD 8,224.80Single premium; maturity benefit SGD 10,866.90 to verify if credited to SRSNeeds maturity confirmation
Singlife / CIMBFlexi Life Income II82793277Participating whole life / premium-financedSGD 625,487.00SGD 475,369.00SGD 150,118.00Actual first payout SGD 20,436 on 04 Mar 2026; monthly loan payment SGD 763.06Schedule-based; no Singlife portal access
Known Annual Premiums
SGD 5,103.23
All seven policy premium amounts captured.
Base / Standalone
SGD 3,442.28
Includes ElderShield and Great SupremeHealth.
Riders / Supplementary
SGD 1,660.95
Great TotalCare rider layer under optimization review.
Payment Split
Cash/Card SGD 1,908.97
CPF SGD 2,714.49
Subsidies: SGD 62.13.
Health-Protection Premium Calendar
Declined card events are intentionally treated as review holds, not accidental failures.
Review mode
InsuredClassPolicyNo.DuePremiumCash/CardCPFSubsidyPaymentStatusReview note
Tan Teik KheongBase / StandaloneElderShield Comprehensive 2 ADLs (Life)600111888131 Oct 2026SGD 417.64PendingPendingPendingNot shownPayment source to confirmLong-term care / disability protection; review for adequacy, not IP rider
Tan Teik KheongBase IPGreat SupremeHealth B Plus008746015501 Jun 2026SGD 1,586.62SGD 0.00SGD 1,553.53SGD 33.09CPF / MediSave shownActive base coverBase Integrated Shield coverage
Tan Teik KheongRider / SupplementaryGreat TotalCare Basic B + Plus Essential008746341206 May 2026SGD 715.13SGD 715.13SGD 0.00PendingCredit CardIntentional review hold / optimization reviewCompare old rider against new 1 Apr 2026 IP rider framework
Metta Tan HouyikBase IPGreat SupremeHealth P Plus008746018901 Jul 2026SGD 686.31SGD 91.31SGD 580.48SGD 14.52Cash + CPF / MediSave shownActive base coverBase Integrated Shield coverage
Metta Tan HouyikRider / SupplementaryGreat TotalCare P Optimum + Plus Essential008746344625 Jun 2026SGD 471.89SGD 471.89SGD 0.00PendingCredit CardIntentional review hold / optimization reviewCompare old rider against new 1 Apr 2026 IP rider framework
Athena Tan JiaxinBase IPGreat SupremeHealth P Plus008746017101 Jul 2026SGD 751.71SGD 156.71SGD 580.48SGD 14.52Cash + CPF / MediSave shownActive base coverBase Integrated Shield coverage
Athena Tan JiaxinRider / SupplementaryGreat TotalCare P Optimum + Plus Essential008746343825 Jun 2026SGD 473.93SGD 473.93SGD 0.00PendingCredit CardIntentional review hold / optimization reviewCompare old rider against new 1 Apr 2026 IP rider framework
Health Rider Optimization Review
Focus: old Great TotalCare riders versus post-1 Apr 2026 IP rider framework.
Decision support

1. Separate Base vs Rider

Keep Great SupremeHealth and ElderShield as base/standalone protection. Analyze Great TotalCare separately because the rider layer is optional and cash/card heavy.

2. Ask for New Rider Quotes

Request current Great Eastern options under the new IP rider framework for each person, including deductible/co-payment exposure and premium comparison.

3. Compare Annual Savings

For each rider, calculate old premium minus new premium, then compare savings against increased deductible/co-payment exposure.

4. Document Decision

For every rider, record: keep, downgrade, replace, or cancel; then state the reason and risk accepted.

5. Avoid Accidental Lapse

Review holds are intentional, but set reminders before renewal deadlines so scrutiny does not become an unintended lapse.

6. Maintain Family View

Show Tan Teik Kheong, Metta, and Athena separately so personal versus household/family cash-flow burden remains clear.

Rider Optimization Candidates
These are the policies currently under active review hold.
InsuredRiderNo.DueCurrent premiumStatusDecision needed
Tan Teik KheongGreat TotalCare Basic B + Plus Essential008746341206 May 2026SGD 715.13Intentional review hold / optimization reviewCompare old rider against new 1 Apr 2026 IP rider framework
Metta Tan HouyikGreat TotalCare P Optimum + Plus Essential008746344625 Jun 2026SGD 471.89Intentional review hold / optimization reviewCompare old rider against new 1 Apr 2026 IP rider framework
Athena Tan JiaxinGreat TotalCare P Optimum + Plus Essential008746343825 Jun 2026SGD 473.93Intentional review hold / optimization reviewCompare old rider against new 1 Apr 2026 IP rider framework
Before Health Premiums
-SGD 15,171.44
Net recurring annual forecast before health premiums.
Health Premium Impact
-SGD 5,103.23
Known annual health-protection expense.
After Health Premiums
-SGD 20,274.67
Net recurring annual forecast after known health premiums.
2026 Actualized After Health
-SGD 8,484.67
Uses actual Singlife payout rather than forecast.
Recurring & Scheduled Cash Flows
Monthly equivalent and annual view
ItemTypeMonthlyAnnual
NTUC Income LUXE SOLITAIRE cash benefit + bonusRecurring policy inflowSGD 1,368.00SGD 16,416.00
CIMB SA loan payment for LUXE SOLITAIRELinked financing payment-SGD 481.56-SGD 5,778.72
Singlife Flexi Life Income II forecast yearly cash benefitForecast recurring policy inflowSGD 720.50SGD 8,646.00
CIMB/Singlife loan paymentLinked financing payment-SGD 763.06-SGD 9,156.72
Invest Flex Vantage yearly premiumScheduled policy premium-SGD 2,000.00-SGD 24,000.00
LIVING yearly premiumScheduled policy premium-SGD 108.17-SGD 1,298.00
Known health protection premiumsHealth protection expense-SGD 425.27-SGD 5,103.23
Upcoming Due Dates & Key Events
Cash-flow calendar and review reminders
10 events
04 Mar 2026 · Actual cash inflow
Singlife payout received SGD 20,436.00
GIRO-IBG OTHR SINGAPORE LIFE / DC-SINGLIFE-82793277
06 May 2026 · Health premium due
Great TotalCare Basic B + Plus Essential, self -SGD 715.13
Intentional review hold
25 Jun 2026 · Health rider premium due
Metta Great TotalCare P Optimum + Plus Essential -SGD 471.89
Intentional review hold
25 Jun 2026 · Health rider premium due
Athena Great TotalCare P Optimum + Plus Essential -SGD 473.93
Intentional review hold
01 Jul 2026 · Base IP premium due
Metta Great SupremeHealth P Plus -SGD 686.31
Cash + CPF / MediSave
01 Jul 2026 · Base IP premium due
Athena Great SupremeHealth P Plus -SGD 751.71
Cash + CPF / MediSave
26 Sep 2026 · Policy premium due
Invest Flex Vantage yearly premium -SGD 24,000.00
Scheduled premium commitment
31 Oct 2026 · Health premium due
ElderShield Comprehensive -SGD 417.64
Payment source to confirm
19 May 2027 · Policy premium due
NTUC Income LIVING yearly premium -SGD 1,298.00
Scheduled premium commitment
05 Jun 2031 · Future retirement inflow
GRO RETIRE EASE expected first monthly benefit SGD 1,000.00
Guaranteed monthly benefit, subject to NTUC confirmation
Verification Items
Items to resolve as more screenshots arrive
No.Item
1Confirm whether GRO CAPITAL EASE maturity proceeds of SGD 10,866.90 were credited to SRS.
2Confirm payment source for ElderShield Comprehensive annual premium of SGD 417.64.
3Compare Great TotalCare riders against the new post-1 Apr 2026 IP rider framework and obtain revised quotes.
4Confirm whether the Singlife SGD 20,436 payout is one-time first payout, accumulated/backdated payout, or recurring amount pattern.
5Add US 401(k), US Social Security, properties, Malaysia bank/fixed deposits, and other liabilities when updated screenshots are available.
Structured Dashboard Data
This same data is also exported as dashboard-data.json and CSV files.
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