See How Your Money Could Grow →
Quick Answer
Start by writing down what the money is for and when you may need it. Note how much you can put in after essential costs and cash savings. Then test your assumptions. A return you assume is just an input you choose, not a promise from any investment. These tools do not pick investments or predict markets.
The Key Point: A return you assume is just an input you choose. It is not a promise from any investment.
What Is Your Goal And Time Frame?
Write down what the money is for, when you may need it and how much you can invest after essentials and cash savings. Riding out losses matters as much as the average return.
These tools do not pick investments or predict markets; they let you test your assumptions.
How Much Is Your Money And How Much Is Growth?
The Compound Growth example puts in S$50,000 plus S$1,000 a month for 30 years: S$410,000 in total. Its modelled end value of about S$1.056 million assumes a smooth 5% yearly return, before any costs. The difference is modelled growth, not guaranteed profit.
- Money You Put In: S$410,000
- Modelled Growth: S$645,646
- Modelled End Value: S$1,055,646
Data as of . Source: MoneySense — Investment Risk.
Which Fees And Income Should You Check?
Use Investment Fees Impact to compare annual costs on one plan, and Dividend Income for a distribution scenario. Do not add a dividend yield to a total return that already includes distributions.
How Do You Test For Bad Years Before Comparing Products?
Test lower returns, shorter time frames and contributions you can keep up; payouts can be cut and prices can fall. For real products, read the official documents, costs and risks. The brokerage comparison covers one fee case, not service, suitability or performance.
Quick Check
Three statements from this guide. Tap True or False to check what you have read. Nothing is saved.
Card 1 Of 3
In the Compound Growth example, you put in S$410,000 over 30 years.
Why?
The modelled end value of about S$1.056 million assumes a smooth 5% yearly return. The difference is modelled growth, not guaranteed profit.
Card 2 Of 3
A return you enter in these tools is a promise of what an investment will earn.
Why?
These tools do not pick investments or predict markets. Test lower returns, shorter time frames and contributions you can keep up.
Read: How Do You Test For Bad Years Before Comparing Products?
Card 3 Of 3
If your total-return assumption already includes distributions, add the dividend yield on top.
Why?
Use the Dividend Income guide for a distribution scenario, and keep it separate from a total-return projection.
Your Score
Start With Your Numbers
Try the calculator with your own numbers. The guides linked in each section explain the details.
See How Your Money Could Grow →Frequently Asked Questions
Why Does My Time Horizon Matter?
Being able to wait through losses matters as much as the average return you hope for.
Cash payouts can be cut and prices can fall. So test lower returns, shorter time frames and contributions you can keep up before comparing products.
How Much Of A Compound Growth Projection Is Profit?
In the Compound Growth example, S$50,000 plus S$1,000 a month for 30 years means S$410,000 put in.
The modelled end value of about S$1.056 million assumes a smooth 5% yearly return, before costs left out. The difference is modelled growth, not guaranteed profit.
Can I Add A Dividend Yield To My Expected Return?
Do not add a dividend yield to a total-return assumption that already includes distributions.
Use the Dividend Income guide for a distribution scenario and the Investment Fees Impact guide to compare the same contribution plan at different annual costs.
Does The Brokerage Comparison Tell Me Which Broker To Use?
No.
It covers one limited fee case, not overall service, suitability or investment performance. For real products, read the official documents, costs and risks. These tools are for learning and planning, not investment picks or personal advice.
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Sources & Assumptions
Sources checked 11 September 2026. These are examples only. Check the stated assumptions and limits before you use a result.
For learning and planning only. Not a pick of investments or personal investment advice. Smooth returns leave out market ups and downs and runs of losses.