Top 10 Best Retirement Planning Services in Singapore 2026

With Singapore’s rising cost of living and an ageing population, having a solid retirement plan has never been more critical for Singaporeans in 2026. Whether you’re relying on CPF, private wealth management, or insurance annuities, choosing the right retirement planning service can make a significant difference to your financial security in your golden years.

1. CPF Board (Central Provident Fund)

As Singapore’s national retirement savings scheme, the CPF Board remains the cornerstone of retirement planning for every working Singaporean. Members enjoy guaranteed monthly payouts through CPF LIFE, alongside flexible withdrawal options for immediate cash needs. With government-backed security and structured payout tiers, CPF provides a reliable foundation that complements any broader retirement strategy in Singapore.

• 🌐 Website: https://www.cpf.gov.sg

2. Endowus

Endowus is Singapore’s leading fee-only digital wealth platform, uniquely allowing investors to use CPF, SRS, and cash savings to build a retirement portfolio. With access to institutional-grade funds at reduced costs, Endowus makes sophisticated retirement planning accessible to everyday Singaporeans. Their evidence-based investment approach and transparent fee structure have made them a trusted choice for long-term financial planning.

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

3. Prudential Singapore

Prudential Singapore offers a comprehensive suite of retirement solutions, including annuity plans and endowment products designed to deliver steady income during your golden years. Their retirement plans are crafted to balance capital protection with growth potential, catering to a wide range of risk appetites. Backed by over 90 years of presence in Singapore, Prudential is a trusted partner for securing your financial future.

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

4. AIA Singapore

AIA Singapore provides tailored retirement planning solutions that combine life protection with long-term wealth accumulation, ensuring you retire with confidence. Their range of retirement products includes guaranteed income plans and investment-linked options that adapt to your evolving financial goals. AIA’s strong regional presence and localised expertise make them a go-to insurer for holistic retirement planning in Singapore.

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

5. Great Eastern Life

Great Eastern Life, one of Singapore’s oldest and most established insurers, offers a diverse range of retirement savings and income plans built for long-term financial security. Their retirement products are designed to provide consistent payouts while offering flexibility to meet individual lifestyle needs post-retirement. With deep roots in the Singapore market, Great Eastern is a dependable choice for those serious about retirement planning.

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

6. DBS Retirement Planning

DBS Retirement Planning leverages Singapore’s largest bank network to offer a holistic suite of investment and insurance solutions tailored for retirement. From unit trusts and annuities to CPF top-up strategies, DBS helps clients build a diversified retirement portfolio aligned with their goals. Their digital tools and in-branch advisors make it easy for Singaporeans to take a structured, informed approach to securing their future.

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

7. OCBC Wealth Management

OCBC Wealth Management delivers personalised retirement planning services that integrate investment portfolios, insurance solutions, and CPF optimisation strategies for Singaporeans. Their experienced wealth advisors work closely with clients to build a retirement roadmap that balances growth and income stability. As one of Singapore’s leading banks, OCBC combines financial expertise with a broad product suite to help you retire comfortably.

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

8. Manulife Singapore

Manulife Singapore offers a robust range of retirement solutions, including guaranteed income annuities and flexible savings plans designed to sustain your lifestyle after work. Their products cater to varying retirement timelines, giving Singaporeans the ability to start planning early or accelerate savings closer to retirement age. Manulife’s strong global backing and local market knowledge make them a reliable partner for retirement planning in Singapore.

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

9. Income Insurance (NTUC Income) RetireSavvy

Income Insurance’s RetireSavvy is a popular retirement savings plan among Singaporeans seeking guaranteed payouts combined with life protection coverage. Rooted in NTUC’s mission of serving everyday Singaporeans, Income offers affordable premiums with dependable long-term returns. RetireSavvy stands out for its flexibility, allowing policyholders to customise payout periods and coverage to match their unique retirement vision.

• 🌐 Website: https://www.income.com.sg/savings-and-investments/retirement

10. Finexis Advisory

Finexis Advisory is one of Singapore’s most respected independent financial advisory firms, offering unbiased, holistic retirement planning services free from product-pushing pressures. Their certified advisors take a comprehensive approach — analysing CPF, insurance, investments, and estate planning — to build a personalised retirement strategy for each client. Finexis is an ideal choice for Singaporeans who value objective, client-first financial guidance.

• 🌐 Website: https://www.finexis.com.sg/retirement-planning

Compare these top retirement planning services in Singapore to find the right fit for your goals, risk appetite, and timeline — and take the first step towards a financially secure retirement today.