This Guide will show you some of the features of structured deposits, the risks involved and what consumers should look out for when investing in such products. If you are interested in the actual Guidelines on Structured Deposits, you can access it here (PDF, 41.3KB).

The Financial Advisers Act (FAA) regulates companies and individuals who advise consumers on investment products.  This Guide explains how the FAA can help to protect your interests as a consumer and gives practical tips on what you should look out for when you are dealing with a financial adviser.

Download the guide (English (PDF, 1.62MB), Chinese (PDF, 7.25MB), Malay (PDF, 5.99MB), Tamil (PDF, 15.6MB)) in pdf.

This Guide will show you what you can do and who you can turn to for help if you have a problem with a financial product that you have bought or the service standards of a financial institution. It also explains when you should report a matter to the Monetary Authority of Singapore (MAS). You can get  more information on this topic in the section on Dispute Resolution in this Portal.

Click here to go to Dispute Resolution. Download the guide (English (PDF, 10.8MB), Chinese (PDF, 4.30MB),  Malay (PDF, 3.33MB), Tamil (PDF, 10.4MB)) in pdf.

GIA is the industry representative body of all non-life insurance companies transacting business in Singapore. Produced by GIA, "Your Guide to Fire Insurance for Residential Property" explains important issues like why we need fire insurance, what property can be insured and how much should one insure for.

GIA is the industry representative body of all non-life insurance companies transacting business in Singapore. Produced by GIA, "Insuring Your Motor Vehicle" explains the different types of motor insurance products that are available to consumers; and gives practical tips on what a consumer should look out for when buying a motor insurance policy.

GIA is the industry representative body of all non-life insurance companies transacting business in Singapore. Produced by GIA, "What To Do After A Motor Accident" provides practical tips on what a consumer should do after a motor accident and how to lodge a motor insurance claim.

Your Guide To Life Insurance (Mandarin)
(PDF, 6.07MB)

LIA is an industry association comprising direct insurers and reinsurers who are licensed by the MAS to transact life insurance or life reinsurance business in Singapore. Produced by LIA, "Your Guide to Life Insurance" explains the concept of life insurance and outlines the distribution channels and products that are available. It also provides information on the product summary and the benefit illustration.

The Life Insurance Association of Singapore (LIA) and the Consumers Association of Singapore (CASE) have launched a new consumer guide "Your Guide to Investment-Linked Insurance Plans (ILPs)" under the MoneySENSE initiative. The guide explains the benefits and risks of purchasing ILPs and provides practical tips on the key factors to consider before purchasing the product. 

Your Guide To Health Insurance (Mandarin) 
(PDF, 4.77MB) 

The Life Insurance Association, Singapore (LIA) and the General Insurance Association of Singapore (GIA) have launched a new consumer guide, "Your Guide To Health Insurance". An initiative of the MoneySENSE national financial education programme, the Guide provides a general introduction to the concept of health insurance; explains the different types of health insurance products that are available to consumers; and gives practical tips on what a consumer should look out for when buying a health insurance product.

IMAS is a representative body of major investment management firms in Singapore. This Guide helps you understand what unit trusts are and what you should consider before investing in them. It highlights the benefits and risks of investing in unit trusts, what you should look out for in the prospectus and other important information you should know to make sense of your unit trust investment. 

IMAS is a representative body of major investment management firms in Singapore. This Guide provides a general introduction to the concept of personal investment. It touches on topics such as understanding risk and return, diversification, asset allocation and different asset classes such as cash, shares, bonds and unit trusts.

ABS is an industry association comprising local and foreign banks who are licensed by MAS to carry out banking business in Singapore. Produced by ABS, this Guide explains the terms and conditions for financing your car, how interest is computed on your car loan as well as implications of early repayment. The guide lists some questions you should ask your bank before taking up a car loan.  

Produced by ABS, this simple guide lists down important questions that you should ask yourself and the bank/credit card company before taking up a credit card.

The Association of Banks in Singapore (ABS) and the eight major retail banks - ABN AMRO, Citibank, DBS Bank, HSBC, Maybank, OCBC Bank, Standard Chartered Bank and United Overseas Bank - have come together to produce a comic book, "Are You A MoneySENSible Family". The comic book takes a light-hearted look at some of the common money management problems faced by families in Singapore and provides practical tips for families in managing these problems.

The Insurance and Financial Practitioners Association of Singapore (IFPAS) and the Life Insurance Association, Singapore (LIA) have jointly launched the above financial planning guide, "The MoneySENSE Guide To Planning For Your Family's Financial Future". The guide provides practical tips on how families can draw up their budget and develop financial plans to take care of their needs and is aimed at making financial planning more relevant for families.

This guide highlights key issues you should consider before borrowing and provides a worksheet to help you assess your credit situation. Click here (XLS, 430KB) for an Excel worksheet to help you compute your monthly long term debt payment and assess if you are taking on too much debt.

This guide takes you through areas that you should consider when buying a home and taking a home loan, and includes a worksheet to help you assess affordability before buying a home.

This guide takes you through key issues you need to consider in managing your retirement funds, and provides worksheets that you can use to calculate the monthly amount you can spend without wiping your retirement funds prematurely.

MoneySENSE, CPF Board, Association of Banks in Singapore (ABS), Investment Management Association of Singapore (IMAS), Life Insurance Association, Singapore (LIA) and the Singapore Exchange (SGX) jointly present the MoneySENSE "Making Sense of Common Financial Documents" Guide. The Guide features financial documents which consumers commonly encounter but often do not find time to read and understand. Attached with each financial document are practical tips on how you can better manage your cash flow, manage your credit, provide for your retirement, protect against the unexpected and invest your wealth.