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
| Currency | Amount |
|---|---|
| USD | USD 1,000.00 |
| MYR | MYR 706,035.32 |
Health Premium Split
Base versus rider / supplementary cover
| Category | Annual | Monthly |
|---|---|---|
| Base / standalone | SGD 3,442.28 | SGD 286.86 |
| Rider / supplementary | SGD 1,660.95 | SGD 138.41 |
| Total | SGD 5,103.23 | SGD 425.27 |
SGD Assets
Confirmed and schedule-based SGD assets
| Bucket | Institution | Account | Category | Liquidity | Status | Amount |
|---|---|---|---|---|---|---|
| CPF | CPF | CPF Ordinary Account | Retirement | Restricted | confirmed | SGD 16,596.08 |
| CPF | CPF | CPF MediSave Account | Retirement / Healthcare | Restricted | confirmed | SGD 76,594.43 |
| CPF | CPF | CPF Retirement Account | Retirement | Restricted | confirmed | SGD 285,851.78 |
| DBS | DBS | CPFIA / SRS cash balance | Tax-advantaged / Retirement | Restricted | confirmed | SGD 71,333.62 |
| DBS | DBS | TK-NETS | Bank cash | Liquid | confirmed | SGD 2,234.28 |
| DBS | DBS | DBS Multiplier Account | Bank cash | Liquid | confirmed | SGD 24,326.17 |
| DBS | DBS | J-AutosavePlus | Bank cash | Liquid | confirmed | SGD 19,282.20 |
| CIMB Singapore | CIMB | FastSaver Account | Bank cash | Liquid | confirmed | SGD 6,124.30 |
| NTUC Income | Income | LUXE SOLITAIRE policy net cash value | Insurance policy asset | Policy-linked | confirmed | SGD 360,000.00 |
| NTUC Income | Income | LUXE SOLITAIRE deposited cash benefits and interest | Policy deposit account | Policy-linked / withdrawable | confirmed | SGD 36,716.21 |
| NTUC Income | Income | INVEST FLEX VANTAGE market value | Investment-linked policy | Policy-linked / market-linked | confirmed | SGD 53,140.82 |
| NTUC Income | Income | GRO RETIRE EASE net cash value | Retirement/endowment policy asset - fully paid-up premium | Policy-linked | confirmed | SGD 82,753.16 |
| NTUC Income | Income | LIVING net cash value | Wholelife policy asset | Policy-linked | confirmed | SGD 89,213.70 |
| NTUC Income | Income | GRO CAPITAL EASE net cash value | Short-term endowment / SRS-funded policy | Policy-linked / near maturity | confirmed | SGD 8,224.80 |
| Singlife | Singlife / CIMB | Flexi Life Income II guaranteed surrender value basis | Participating whole life / premium-financed policy | Policy-linked | schedule-based; no Singlife portal access | SGD 625,487.00 |
SGD Liabilities
Linked financing treatment
| Bucket | Institution | Account | Treatment | Amount |
|---|---|---|---|---|
| Premium Financing | CIMB | SA Loan / premium financing linked to Income LUXE SOLITAIRE | Linked financing | SGD 300,000.00 |
| Premium Financing | CIMB | Premium financing with CIMB loan 475370 linked to Singlife Flexi Life Income II | Linked financing / Singlife policy | SGD 475,369.00 |
Foreign Currency Assets
Preserved in native currency
| Currency | Bucket | Institution | Account | Category | Status | Amount |
|---|---|---|---|---|---|---|
| USD | CIMB Singapore | CIMB | Current Account | Foreign currency cash | confirmed | SGD 1,000.00 |
| MYR | Malaysia EPF / KWSP | EPF / KWSP | Akaun 55 | Retirement | confirmed | SGD 539,930.12 |
| MYR | Malaysia EPF / KWSP | EPF / KWSP | Akaun Emas | Retirement | confirmed | SGD 166,105.20 |
Insurance & Policy Portfolio
NTUC Income and Singlife policy structures
| Provider | Policy | No. | Type | Asset value | Linked liability | Net equity | Cash-flow treatment | Status |
|---|---|---|---|---|---|---|---|---|
| NTUC Income | LUXE SOLITAIRE | 1813167342 | Premium-financed policy | SGD 396,716.21 | SGD 300,000.00 | SGD 96,716.21 | Monthly inflow SGD 1,368; loan payment SGD 481.56; net monthly carry SGD 886.44 | Confirmed |
| NTUC Income | INVEST FLEX VANTAGE | 1814566849 | Investment-linked whole life | SGD 53,140.82 | SGD 0.00 | SGD 53,140.82 | Yearly premium SGD 24,000 due 26 Sep 2026 | Confirmed |
| NTUC Income | GRO RETIRE EASE | 1812754958 | Limited-pay retirement/endowment | SGD 82,753.16 | SGD 0.00 | SGD 82,753.16 | Fully paid-up; expected monthly benefit around 05 Jun 2031 | Confirmed |
| NTUC Income | LIVING | 0064488969 | Wholelife | SGD 89,213.70 | SGD 0.00 | SGD 89,213.70 | Yearly premium SGD 1,298 due 19 May 2027 | Confirmed |
| NTUC Income | GRO CAPITAL EASE | 1813523626 | Short-term SRS-funded endowment | SGD 8,224.80 | SGD 0.00 | SGD 8,224.80 | Single premium; maturity benefit SGD 10,866.90 to verify if credited to SRS | Needs maturity confirmation |
| Singlife / CIMB | Flexi Life Income II | 82793277 | Participating whole life / premium-financed | SGD 625,487.00 | SGD 475,369.00 | SGD 150,118.00 | Actual first payout SGD 20,436 on 04 Mar 2026; monthly loan payment SGD 763.06 | Schedule-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
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.
| Insured | Class | Policy | No. | Due | Premium | Cash/Card | CPF | Subsidy | Payment | Status | Review note |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Tan Teik Kheong | Base / Standalone | ElderShield Comprehensive 2 ADLs (Life) | 6001118881 | 31 Oct 2026 | SGD 417.64 | Pending | Pending | Pending | Not shown | Payment source to confirm | Long-term care / disability protection; review for adequacy, not IP rider |
| Tan Teik Kheong | Base IP | Great SupremeHealth B Plus | 0087460155 | 01 Jun 2026 | SGD 1,586.62 | SGD 0.00 | SGD 1,553.53 | SGD 33.09 | CPF / MediSave shown | Active base cover | Base Integrated Shield coverage |
| Tan Teik Kheong | Rider / Supplementary | Great TotalCare Basic B + Plus Essential | 0087463412 | 06 May 2026 | SGD 715.13 | SGD 715.13 | SGD 0.00 | Pending | Credit Card | Intentional review hold / optimization review | Compare old rider against new 1 Apr 2026 IP rider framework |
| Metta Tan Houyik | Base IP | Great SupremeHealth P Plus | 0087460189 | 01 Jul 2026 | SGD 686.31 | SGD 91.31 | SGD 580.48 | SGD 14.52 | Cash + CPF / MediSave shown | Active base cover | Base Integrated Shield coverage |
| Metta Tan Houyik | Rider / Supplementary | Great TotalCare P Optimum + Plus Essential | 0087463446 | 25 Jun 2026 | SGD 471.89 | SGD 471.89 | SGD 0.00 | Pending | Credit Card | Intentional review hold / optimization review | Compare old rider against new 1 Apr 2026 IP rider framework |
| Athena Tan Jiaxin | Base IP | Great SupremeHealth P Plus | 0087460171 | 01 Jul 2026 | SGD 751.71 | SGD 156.71 | SGD 580.48 | SGD 14.52 | Cash + CPF / MediSave shown | Active base cover | Base Integrated Shield coverage |
| Athena Tan Jiaxin | Rider / Supplementary | Great TotalCare P Optimum + Plus Essential | 0087463438 | 25 Jun 2026 | SGD 473.93 | SGD 473.93 | SGD 0.00 | Pending | Credit Card | Intentional review hold / optimization review | Compare 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.
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.
| Insured | Rider | No. | Due | Current premium | Status | Decision needed |
|---|---|---|---|---|---|---|
| Tan Teik Kheong | Great TotalCare Basic B + Plus Essential | 0087463412 | 06 May 2026 | SGD 715.13 | Intentional review hold / optimization review | Compare old rider against new 1 Apr 2026 IP rider framework |
| Metta Tan Houyik | Great TotalCare P Optimum + Plus Essential | 0087463446 | 25 Jun 2026 | SGD 471.89 | Intentional review hold / optimization review | Compare old rider against new 1 Apr 2026 IP rider framework |
| Athena Tan Jiaxin | Great TotalCare P Optimum + Plus Essential | 0087463438 | 25 Jun 2026 | SGD 473.93 | Intentional review hold / optimization review | Compare 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
| Item | Type | Monthly | Annual |
|---|---|---|---|
| NTUC Income LUXE SOLITAIRE cash benefit + bonus | Recurring policy inflow | SGD 1,368.00 | SGD 16,416.00 |
| CIMB SA loan payment for LUXE SOLITAIRE | Linked financing payment | -SGD 481.56 | -SGD 5,778.72 |
| Singlife Flexi Life Income II forecast yearly cash benefit | Forecast recurring policy inflow | SGD 720.50 | SGD 8,646.00 |
| CIMB/Singlife loan payment | Linked financing payment | -SGD 763.06 | -SGD 9,156.72 |
| Invest Flex Vantage yearly premium | Scheduled policy premium | -SGD 2,000.00 | -SGD 24,000.00 |
| LIVING yearly premium | Scheduled policy premium | -SGD 108.17 | -SGD 1,298.00 |
| Known health protection premiums | Health protection expense | -SGD 425.27 | -SGD 5,103.23 |
Upcoming Due Dates & Key Events
Cash-flow calendar and review reminders
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 |
|---|---|
| 1 | Confirm whether GRO CAPITAL EASE maturity proceeds of SGD 10,866.90 were credited to SRS. |
| 2 | Confirm payment source for ElderShield Comprehensive annual premium of SGD 417.64. |
| 3 | Compare Great TotalCare riders against the new post-1 Apr 2026 IP rider framework and obtain revised quotes. |
| 4 | Confirm whether the Singlife SGD 20,436 payout is one-time first payout, accumulated/backdated payout, or recurring amount pattern. |
| 5 | Add 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.