Personal Wealth Dashboard

Professor Dr. Tan's Consolidated Asset View

Updated with the actual first Singlife payout of SGD 20,436.00 received on 4 Mar 2026. This is treated as an observed 2026 cash-flow event and not automatically added again to assets unless it appears in a current bank balance.

Snapshot date: 27 May 2026
Tracked SGD Assets
SGD 1,757,878.55
Includes confirmed assets plus Singlife schedule-based policy value pending current statement.
SGD Liabilities
SGD 775,369.00
Both CIMB facilities are treated as linked financing.
Net SGD Position Before FX
SGD 982,509.55
Excludes USD and MYR assets until FX is applied.
2026 Actualized Policy Cash Flow
-SGD 3,381.44
Replaces Singlife forecast SGD 8,646 with actual first payout SGD 20,436 for 2026 view.
Singlife Flexi Life Income II
Policy 82793277 · CIMB-held policy · schedule-based value · actual first payout captured
Actual payout captured
Single premium
SGD 625,487.05
Guaranteed surrender value basis
SGD 625,487.00
Linked CIMB financing
-SGD 475,369.00
Net equity, guaranteed basis
SGD 150,118.00
Actual first payout
SGD 20,436.00
Actual payout date
04 Mar 2026
Monthly loan payment
-SGD 763.06
Forecast net monthly carry
-SGD 42.56
2026 Singlife actualized carry
SGD 11,279.28
Valuation status
No portal access
Actual Observed Cash Events
These are recorded separately from recurring forecasts to avoid double-counting.
2026 actuals
DateInstitutionDescriptionTreatmentAmount
04 Mar 2026Singlife / CIMBGIRO-IBG OTHR SINGAPORE LIFE DC-SINGLIFE-82793277-1-02561276Actual observed Singlife payout; for 2026 actual cash-flow reporting, use this instead of the forecast SGD 8,646 yearly benefit unless confirmed otherwise.SGD 20,436.00
27 Apr 2026CIMB / SinglifeMonthly Singlife loan paymentActual observed loan-payment outflow for Singlife financing.-SGD 763.06
27 Apr 2026CIMB / NTUC IncomeMonthly SA loan payment for LUXE SOLITAIREActual observed loan-payment outflow for NTUC premium financing.-SGD 481.56
Recurring and Scheduled Cash Flow
Forecast view; actual Singlife payout is captured separately above.
-SGD 1,264.29 / month equivalent
ItemDirectionMonthly equivalentAnnual
NTUC Income LUXE SOLITAIRE cash benefit + cash bonus depositRecurring inflow into NTUC Income deposit accountSGD 1,368.00SGD 16,416.00
CIMB SA loan payment for LUXE SOLITAIRERecurring outflow from bank account-SGD 481.56-SGD 5,778.72
Singlife Flexi Life Income II guaranteed yearly cash benefit - recurring forecastForecast yearly cash benefit from 13 Mar 2026 while policy in forceSGD 720.50SGD 8,646.00
CIMB/Singlife loan payment for Flexi Life Income IIRecurring monthly loan payment; latest observed 27 Apr 2026-SGD 763.06-SGD 9,156.72
Invest Flex Vantage yearly premiumAnnual premium commitment; next due 26 Sep 2026-SGD 2,000.00-SGD 24,000.00
LIVING yearly premiumAnnual premium commitment; next due 19 May 2027-SGD 108.17-SGD 1,298.00
Net recurring/scheduled cash-flow commitmentRecurring forecast before replacing Singlife forecast with actual payout-SGD 1,264.29-SGD 15,171.44
2026 actualized policy cash-flow viewUses actual Singlife payout SGD 20,436 instead of forecast SGD 8,646-SGD 3,381.44
SGD Assets
Confirmed and schedule-based Singapore-dollar 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
Financing and credit facilities
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 policy; outstanding bank balance from CIMB screenshotSGD 475,369.00
Foreign-Currency Assets
Native currency view
CurrencyBucketInstitutionAccountCategoryAmount
USDCIMB SingaporeCIMBCurrent AccountForeign currency cashUSD 1,000.00
MYRMalaysia EPF / KWSPEPF / KWSPAkaun 55RetirementMYR 539,930.12
MYRMalaysia EPF / KWSPEPF / KWSPAkaun EmasRetirementMYR 166,105.20
Excluded Accounts
Excluded by instruction or zero-balance treatment
InstitutionAccountAmountReason
DBSAthena-Dr TanSGD 21,685.31Excluded by user instruction
DBSMetta-Dr TanSGD 13,739.31Excluded by user instruction
DBSDrTan-Jess Foreign CurrencySGD 0.00Zero balance
CIMBForeign Currency Savings AccountUSD 0.00Zero balance
CIMBFixed Deposit / Structured Deposit 1SGD 0.00Zero balance
CIMBFixed Deposit / Structured Deposit 2SGD 0.00Zero balance
This is a record-keeping dashboard based on screenshots, policy documents, and user-provided transaction details. It is not financial advice. Singlife Flexi Life Income II is included using a schedule-based guaranteed surrender value because there is no Singlife portal access; replace with a CIMB/Singlife current statement if available.