TEP Can Be Attractive Annuity Plan! Print E-mail

Recently, Singapore government has raised the concerns that many Singaporeans will not have enough money for retirement.

The Singapore government is proposing a Compulsory Annuity Scheme for all Singaporeans. What's the problem? The only problem is that currently, Annuity plans offer very low returns of less than 3%. Thus, putting money into Annuity plan for retirement income might not be a good idea if inflation rate is above 3%.

If returns on Annuity is 3% and inflation is at 3%, it means ZERO returns for your money parked in Annuity.

The Good News is a person can easily structure an Attractive Annuity Plan with double the returns of a typical Annuity plan by "laddering TEPs". What do we mean? A person can invest in say 5 TEPs with varying maturity period of say, 5 years, 6 years, 7 years, 8 years and 9 years to maturity.

Upon maturity of the 5 year TEP, you can withdraw the "gains" (double that of Annuity) to fund your lifestyle and rollover (re-invest) the principal amount into another TEP with say another 5 years to maturity. At end of year 6, you have another TEP maturing and again you can withdraw the gains to fund your lifestyle and again rollver (re-invest) the principal amount into another TEP with another 5 years to maturity.

By repeating this process, you will actually create a non-stop income stream year after year after 5 years from now and achieve the same benefit of an Annuity plan (non-stop income stream).

However, by investing into TEPs, you have an added advantage over investing into Annuity as the returns of TEPS can be double that of Annuity plans currently.

If you're still not clear how TEPs can be structured to form an Attractive Annuity Plan for you, please watsapp at +6281329582333 and +6594234837 or email at This e-mail address is being protected from spam bots, you need JavaScript enabled to view it and we'll be pleased to assist.