Assumptions Used/All Articles


Are 'Private Annuity' Plans Superior to CPF? – A Gift for FI-35 and a Lesson for Others

Assumptions Used in Calculations:

Sibor: 1-mth Sibor for Loans


Flat Fee Assumption: 0.8%


Projected Monthly Returns Based on: 3.25% and 4.75% (Private Annuity), Age 55 begins, payouts begin Age 60


Projected Monthly Returns Based on: 3.75% and 4.25% (CPF, as stated on CPF Website, standard plan)



Borrowed Amount: 72% of the first year value --- where $350,000 = 28%, so 72% = $900,000 in borrowing value.





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