Data-Driven. Honest. No Jargon.
Hi, I'm Steven Ng. With 23 years of engineering and data analysis experience, I break down complex financial concepts โ insurance, CPF, retirement, and wealth planning โ so you can make informed decisions with confidence.
I'm Steven Ng, a Singaporean with over 23 years of experience in engineering and data analysis. After years of helping people make sense of complex technical problems, I turned my attention to something that affects every Singaporean โ financial planning.
I believe that most Singaporeans are not under-earning โ they are under-informed. Insurance, CPF, retirement planning, and wealth management are topics that can seem overwhelming, but with the right explanation, they become empowering tools.
This website is my commitment to sharing honest, data-driven financial education โ with no pressure, no jargon, and no hidden agenda.
Updated quarterly. Data sourced from CPF Board, MAS, and MOH. For educational reference only.
* Data as of Q1 2026. For the latest figures, refer to cpf.gov.sg and mas.gov.sg. This is educational information only and does not constitute financial advice.
General financial education for Singaporeans. All content is informational only โ not personalised financial advice.
Understand the difference between term, whole life, and endowment plans. Learn what coverage you actually need.
ProtectionMediShield Life, Integrated Shield Plans, and riders explained. Know what your hospitalisation coverage actually covers.
HealthHow to maximise your CPF OA, SA, and MA. Voluntary top-ups, transfers, and CPF Life explained clearly.
CPFHow much do you really need to retire in Singapore? Building a retirement income strategy that works for you.
RetirementUnderstanding savings plans, endowments, and investment-linked policies โ the basics every Singaporean should know.
WealthWills, CPF nominations, and insurance nominations โ how to ensure your assets go to the right people.
LegacyGet exclusive access to weekly financial education content, calculators, and guides โ completely free.
No credit card. No spam. Just honest financial education.
Updated every week. General financial education for Singaporeans.
Many Singaporeans are confused about whether to buy term or whole life insurance. Here's a clear breakdown of both โ the costs, the coverage, and who each is suited for.
Read Full Article โThe CPF SA shielding strategy was closed in 2025. Here's what it means for your retirement planning and what alternatives exist.
Members Only โMediShield Life covers the basics โ but is it enough? A clear look at what ISPs cover, what they cost, and whether you need one.
Members Only โHave a question about insurance, CPF, or retirement planning? Reach out โ I'm happy to point you in the right direction.
Steven Ng (Ng Tze Kiong) is currently completing his financial advisory qualifications in Singapore. He is not yet a licensed Financial Adviser Representative under the Financial Advisers Act (Cap. 110) and is not registered on the MAS Financial Institution Representatives Register.
All content on this website โ including articles, videos, calculators, and members area materials โ is provided for general educational and informational purposes only. It does not constitute personalised financial advice, a recommendation to buy or sell any financial product, or an invitation to enter into any financial transaction.
The information provided does not take into account your individual financial situation, objectives, or needs. You should seek advice from a licensed Financial Adviser Representative before making any financial decisions.
Past performance figures and financial data referenced on this website are for illustrative purposes only and are not indicative of future results. Returns on financial products are not guaranteed.
For enquiries: stevenngwealth.sg@gmail.com | WhatsApp: +65 9235 6773
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