The Complete Guide to Auditing Your Financial Portfolio in Singapore
How to find out what you actually own — policies, CPF, investments and loans — and spot the gaps and overlaps quietly costing you money.
28 May 2026 · Xue Xun Goh
Most Singaporeans I meet can tell me their salary to the dollar — but not what they own. They have policies bought a decade ago, CPF moving in ways they’ve never looked at, an investment app or two, and a home loan they signed and forgot. Individually, none of it is alarming. Together, it’s a portfolio nobody is actually managing.
This is the audit I run with every new client. You can do a first pass yourself.
Step 1 — List every policy you pay for
Pull up your bank statements and look for recurring premiums. For each one, write down three things: what it covers, what it costs per year, and when you bought it. You’re not judging yet — just seeing.
You’re looking for two patterns: overlaps (two policies covering the same thing) and dormant cover (something you bought for a life stage you’ve already left).
Step 2 — Actually read your CPF
Log in to CPF and look at the three accounts — Ordinary, Special, MediSave — and your nomination. Most people have never checked their nomination. It overrides your will for CPF monies, so if it’s blank or outdated, that’s the single highest-value thing you’ll fix today.
Step 3 — Find your investments
Brokerages, robo-advisors, the SRS account you opened for tax relief and forgot. Note the platform, roughly how much is in it, and whether it still matches your goals and life stage. A portfolio you picked at 28 is rarely the one you want at 40.
Step 4 — Map your loans
Home loan, car loan, any renovation or personal loans. Write down the rate and when it resets. Mortgages especially: a rate that made sense two years ago may be quietly costing you now.
Step 5 — Put it on one page
This is the part that changes things. When all of it sits on a single page, the gaps and the waste become obvious — the coverage you don’t need, the gap you didn’t know about, the fee you’ve been paying for nothing.
What an audit usually turns up first
- One or two policies that overlap or no longer fit.
- A CPF nomination that’s blank or out of date.
- A mortgage worth refinancing.
- An “investment” that’s really just an expensive savings plan.
None of this requires buying anything. It requires looking — clearly, once, properly.
If you’d rather not do it alone, that’s literally my job. A Free Financial Health Check is exactly this audit, done with you in 30 minutes — no pitch attached.
All content on this site is for educational and informational purposes only and does not constitute financial advice. Please conduct your own due diligence before making any financial decisions.