Top 10 Best Retirement Planning Services in Singapore 2026

With Singapore’s ageing population and rising cost of living, finding the right retirement planning service has never been more critical for residents looking to secure their golden years. Whether you are optimising your CPF contributions, exploring annuity plans, or seeking professional wealth management advice, these top 10 retirement planning services in Singapore for 2026 offer comprehensive solutions to help you retire comfortably.

1. CPF Board (Central Provident Fund)

As Singapore’s cornerstone of retirement security, the CPF Board provides members with a structured, government-backed system designed to ensure financial stability in their golden years. Members benefit from monthly CPF LIFE payouts upon reaching retirement age, alongside the flexibility to make lump-sum withdrawals for immediate cash needs. With decades of trusted service, CPF remains the foundation of any sound retirement planning strategy in Singapore.

• 🌐 Website: https://www.cpf.gov.sg

2. Endowus

Endowus is Singapore’s leading fee-only digital wealth platform, empowering individuals to invest their CPF, SRS, and cash savings for long-term retirement goals. By offering access to institutional-grade funds at lower costs, Endowus helps Singaporeans build a smarter, more diversified retirement portfolio. Its transparent, advice-driven approach makes it a top choice for those seeking a modern, technology-powered retirement planning service.

• 🌐 Website: https://endowus.com/retirement

3. Prudential Singapore – PRUretirement

Prudential Singapore’s PRUretirement plans offer flexible, insurance-backed solutions designed to deliver guaranteed income streams and capital protection throughout your retirement years. With customisable payout periods and optional riders for added coverage, PRUretirement caters to a wide range of financial needs and lifestyle goals. It’s a reliable choice for Singaporeans seeking both security and flexibility in their retirement income planning.

• 🌐 Website: https://www.prudential.com.sg/products/retirement

4. AIA Singapore – Retirement Solutions

AIA Singapore’s comprehensive retirement solutions combine life insurance protection with wealth accumulation, helping Singaporeans build a financially secure future. Their suite of retirement products offers guaranteed payouts, bonuses, and optional riders to safeguard against health-related risks in later life. AIA’s holistic approach ensures that retirement planning goes beyond savings, addressing longevity and healthcare needs in a single integrated plan.

• 🌐 Website: https://www.aia.com.sg/en/our-products/retirement.html

5. Great Eastern – Retirement Planning

Great Eastern, one of Singapore’s most established insurers, offers a robust range of retirement planning products designed to provide steady income and long-term financial peace of mind. Their retirement plans feature guaranteed cash payouts, capital preservation options, and the flexibility to customise coverage based on individual retirement timelines. Great Eastern’s century-long heritage in Singapore makes it a trusted partner for building a comfortable retirement.

• 🌐 Website: https://www.greateasternlife.com/sg/en/personal-insurance/our-products/retirement.html

6. NTUC Income – Retirement Saver

NTUC Income’s Retirement Saver plans are thoughtfully designed to help Singaporeans grow their savings while ensuring a reliable income stream in retirement. As a social enterprise insurer, NTUC Income emphasises affordability and accessibility, making quality retirement planning available to a broad spectrum of Singaporeans. Their plans offer flexible premium terms and guaranteed payouts, striking a strong balance between value and security.

• 🌐 Website: https://www.income.com.sg/retirement

7. DBS Retirement Planning

DBS Bank offers a comprehensive retirement planning suite that integrates investment, insurance, and advisory services under one trusted financial institution in Singapore. Through access to a diverse range of mutual funds, endowment plans, and annuity solutions, DBS helps customers tailor a retirement strategy aligned with their risk appetite and financial goals. Their digital tools and dedicated relationship managers make planning for retirement straightforward and accessible.

• 📞 Phone: 96800306
• 🌐 Website: https://www.dbs.com.sg

8. OCBC Retirement Planning

OCBC’s retirement planning services provide Singaporeans with a well-rounded suite of investment and insurance solutions to help secure a comfortable post-work lifestyle. From regular savings plans to annuities and unit trusts, OCBC offers flexible options that can be tailored to different retirement timelines and income needs. Backed by one of Singapore’s leading banks, OCBC delivers trusted guidance to help customers plan confidently for the long term.

• 📞 Phone: 93200032
• 🌐 Website: https://www.ocbc.com

9. MoneyOwl

MoneyOwl is a bionic financial advisory firm in Singapore that combines human expertise with technology to deliver holistic, unbiased retirement planning services. Backed by NTUC Enterprise, MoneyOwl offers comprehensive financial planning that covers investments, insurance, CPF optimisation, and estate planning in one integrated approach. Their client-first, fee-transparent model makes them an excellent choice for Singaporeans seeking genuine, conflict-free retirement advice.

• 🌐 Website: https://www.moneyowl.com.sg/comprehensive-financial-planning

10. Manulife Singapore – RetireReady Plus

Manulife Singapore’s RetireReady Plus is a flexible retirement insurance plan that provides guaranteed monthly income for life, giving Singaporeans the confidence to enjoy their golden years without financial worry. The plan allows policyholders to choose their preferred retirement age, payout period, and income amount, offering a high degree of personalisation. With additional options for healthcare riders, RetireReady Plus delivers a comprehensive and adaptable retirement solution.

• 🌐 Website: https://www.manulife.com.sg/en/products/retirement.html

Start your retirement planning journey today by exploring any of these trusted services and take the first step towards a financially secure future in Singapore.