In the Seedly App, there is an "add account" which you can use. The bottom tab to use is "Accounts" At the top right hand, there is also a "Link Bank" which you can use by tapping on "UOB" and you will receive instruction to link the UOB account with your username and password.

This may be interesting to you. https://www.todayonline.com/singapore/2050-retirement-money-pot-set-and-forget-target-funds-could-be-easy-option Offhand, just by googling, I do get a lot of different hits from the google page. But since I have not tracked them before, I am unsure how helpful they are. You may also wish to balance the funds yourself (by contributing to CPF SA while nearing to retirement) for less risky capital returns.

Go for networking events. But just be careful of people cannibalising your idea (which is also frequent). Best to talk to a trusted person. https://seedly.sg/questions/what-are-some-good-networking-events-in-singapore-for-smes-small-businesses Also, some have talked about entrepreneurship over here too. https://seedly.sg/questions/i-m-23-and-am-keen-to-start-my-first-business-as-a-newbie-what-do-i-need-to-know-and-very-keen-to-hear-the-community-s-experiences

The only advantage to open an SRS account now is to lock in the 62 age withdrawal. The other advantage of SRS is to lower your taxes. Assuming 2.8k X 14 months (with bonus), your tax bracket is at 40k. That's not a lot. paying 3.5% of tax on the 10k (above 30k) is ok lah... unless you really want to reduce more tax and do not require the cash. Also with regards to the penalty, there is a 5% penalty for the withdrawal, which makes no sense to contribute to save tax (on top of being taxable income for the year you withdraw) as an emergency fund. Better to keep it as cash for an emergency. The only time it starts to make sense is when your tax is 11.5% (above 80k annual income) because that's when the penalty is 5% only, and your tax (if your annual income after withdrawal) is at 3.5%, which = 8.5% savings 11.5% to pay 8.5% is wise IMHO.

I remember you can amend the Seedly App entries. Or just ignore the credit card transaction of $100 sync and manually add your own entry instead of $20.

If you wish to have estate planning as a career, the first step is to consider joining an estate planning agency like Rockswill / Bequest Pte Ltd and get your AEPP (associate estate planning practitioner). There are also other certification and course which you might want to join. For insurance and other investment products, Singapore has somewhat matured to have a few areas like IFA, FA firms and banks. Your Fiduciary duty depends on who you sign your contract with. I personally would want someone to have Fiduciary duty to me, else the person I have in touch with, is just a salesman. Sorry to say this.

Generally, there are two types of insurance payout when you buy them (1) Sum assured - these are assured amounts that should any of the conditions are met, they payout the coverage that is in the contract. These are commonly life insurance / CI insurance / Disability insurance (2) reimbursement - more commonly in the insurance industry, which spans from general insurance to building insurance, hospitalisation and accident. These only payouts with claims (which is meant to bring you back to the original state). So on your point about "double claim", buying a few policies allow you to claim from different parties. But they will share the cost of the insurance together (at their own discussion). You will be reimbursed based on the coverage each one cover. They are able to fill the gap if you bought multiple ones with different policy wordings. What is common over here is if you have corporate and personal, they will complement each other in their coverage. I would not go into portability as some have mentioned. In short, reimbursement is different from the sum assured, and you will only be reimbursed the total lost, and not "profit" from double claim.

There are hard numbers that you can input to calculate the amount of protection needs and gaps. But what may work for you, may not be necessary for others. That's why it's important to tag a protection value on various items. Last time, DIY Insurance (Now MoneyOwl) have a template which you can use. Common ones are Life insurance -- mainly for dependents. You have to think of what happens after you report early with passport stamped. So to calculate it, either pure expense based right up to university for children + parents expenses + charity (if any). ECI/CI insurance -- mainly for your own income, savings required during the time of sickness, and also alternative medication not covered under the hospitalisation insurance -- might also have a change of job, or lifestyle change. Hence good to calculate the amount required. Total Permanent Disability (TPD) - This will include Death coverage + additional medical/nursing expenses required for you due to TPD. This will be crazy to insure though if you cover everything. Hospital insurance -- no need to calculate, but just have it to reduce medical expenses (if required). Hope this helps.

You have to ask yourself whether the additional premiums to be paid, versus the coverage, versus getting the term plan is worth it or not. I can't really advise on anything... but Mathematically, if the premium is 1% of the sum assured, after 40 years, you would have saved and invested (at 4%) that amount to reach the full coverage. For 2% premiums to the coverage, it takes about 27 years. For 3% premiums to the coverage, it takes about 21 years. I hope this forms a guideline.

This is a difficult question to answer without considering your background, risk appetite, the length. Using robo will introduce volatility to your monies, so be prepared to withdraw at a lost (drawdown can go up to 40% from investment). Using endowment will also introduce lost IF you draw early. Endowments are all meant to be held to maturity. If you are just interested in the returns, robo will do better, because it's more equities based and lesser fees over the long run, but you lose the guarantee that endowments give (but lower returns).