📈 Investment Management

Watch your wealth compound

Project your portfolio's growth, and see the Rule of 72 turn time into your most powerful asset.

Your Investment Plan
Pick a risk profile, then fine-tune the numbers
Risk Profile sets expected return
Initial Investment starting lump sum
Monthly Contribution added every month · median SG savings rate: 20–30% of income
Time Horizon years · longer = more compounding power
Expected Annual ReturniYour average yearly return before inflation. A broad-market index has historically returned around 7–8% per year. % per year · broad-market index historical avg ≈ 7–8%
Expected InflationiHow fast the cost of living rises each year. Singapore's long-term average is around 2.5%. % per year · SG long-term avg ≈ 2.5%
Principles that move these numbers
  • ⏳
    Time beats timing
    Years in the market matter far more than trying to pick the perfect entry. Every extra year compounds on everything that came before.
  • 🔁
    Automate the monthly contribution
    Consistent investing captures both highs and lows. Dollar-cost averaging removes emotion and builds the habit.
  • 🎯
    Match risk to your horizon
    A 20-year window can absorb short-term volatility for higher long-run returns. Shorter horizons call for more conservative allocations.
  • 💎
    Stay invested through downturns
    The market's best days tend to follow its worst. Exiting in fear locks in losses and forfeits the rebound.
Your Investment Projection
Projected Portfolio Value (base case)
$0
In 20 years at 5.0% annual return
 
Worst case$0
Best case$0
Total Contributed
$0
Your out-of-pocket total
Growth from Compounding
$0
Earned by your investments
Real Value (today's $)iYour final portfolio in today's buying power, after inflation has eroded the value of future dollars.
$0
What your money will actually buy
Potential Passive IncomeiA widely-used guideline: withdraw 4% of your portfolio each year and it's likely to last 30+ years. Shown as a monthly figure.
$0
Monthly, at the standard 4% retirement rule
⚡
The Rule of 72 — Your Doubling Power
A math shortcut: 72 ÷ your return = years to double. Simple, and remarkably accurate.
Doubles Every
12.0 yrs
Doublings in Horizon
1.7×
At 5.0% annual return, $1 today becomes $2 in roughly 14.4 years. A rough but remarkably accurate shortcut.
0.0×
Every $1 you contribute becomes $0.00
Your final portfolio divided by your total out-of-pocket contributions.
🟠 Behind
ℹ️

This is an approximation. Projections assume constant annual returns and monthly compounding. Real markets are volatile, and past performance doesn't guarantee future results. The Rule of 72 is a mathematical shortcut, not a promise. Always speak with a licensed financial adviser before making investment decisions.

Rule of 72 in action

The Doubling Ladder

Divide 72 by your expected return and you get roughly how many years your money takes to double. Small differences in rate create enormous differences in outcome over a lifetime. Click any profile to load it into the calculator.

🛡️
Conservative
~4% return
72 ÷ 4 =
18 yrs
to double
⚖️
Balanced
~6% return
72 ÷ 6 =
12 yrs
to double
🚀
Growth
~8% return
72 ÷ 8 =
9 yrs
to double
🔥
Aggressive
~10% return
72 ÷ 10 =
7.2 yrs
to double

Portfolio projection

How Your Money Grows Over Time

Best / base / worst scenarios with dotted markers showing each point your money doubles. The gap between lines widens over time. That's why horizon matters.

You Contribute
$0
Initial + all monthly contributions
+
Compounding Adds
$0
Earned by your investments
=
Final Portfolio
$0
Base-case value at horizon
Best case (+2%)
Base case
Worst case (−2%)
Doubling markers

Understanding your results

Why this matters

⚡
What the Rule of 72 Really Is
It's a math shortcut: 72 ÷ return% ≈ years to double. Derived from the natural log of 2, it's accurate enough to run in your head, and it reveals the single most powerful truth in investing: small differences in rate produce dramatic differences in outcome given enough time.
📊
Why the Gap Widens
The space between best, base, and worst cases on the chart is tiny in Year 1 and enormous by Year 30. A mere 2% difference in annual return compounds into a portfolio that's twice the size over a long horizon. That's why choosing the right risk profile, and staying invested through volatility, matters more than almost anything else.
🕰️
Time Beats Timing
The gap between "worst case" and "best case" on the chart is narrow at year 1, huge at year 30. That's because compounding is multiplicative, not additive. Missing the first few doublings by starting late is almost impossible to recover from, which is why starting early beats starting big.

Singapore investor's playbook

Make Your Money Work Harder

🎯
Match Risk to Horizon, Not Emotion
Switching to a "safe" portfolio after a market drop locks in losses and costs you future doublings. If your horizon is 15+ years, history rewards those who stick to their Growth or Aggressive allocation through volatility.
🇸🇬
Use SRS & CPF Investment Scheme
Singapore gives you two powerful tax-advantaged tools: the SRS (tax relief today, tax-deferred growth) and CPFIS (invest excess OA/SA above the base buffer). Used correctly, these stack on top of regular investing for materially faster compounding.
🔄
Dollar-Cost Average, Don't Time
Monthly contributions mean you buy more units when markets fall and fewer when they rise, automatically. This removes the emotional guesswork of timing and is the single most reliable way retail investors capture long-run market returns.

Turn Projection into a Real Portfolio

Our advisers will help you build a diversified portfolio (unit trusts, investment-linked plans, and CPFIS/SRS options) matched to your risk profile, with fees kept lean and proactive check-ins as your needs evolve.

📅 Speak With an Adviser Try the Retirement Calculator →