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	<title>Salary.sg - Your Salary in Singapore &#187; Retirement</title>
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	<link>http://www.salary.sg</link>
	<description>All about Income, Jobs, Career, and Investment in Singapore</description>
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		<title>The Best Term Insurance for Male Citizens</title>
		<link>http://www.salary.sg/2010/the-best-term-insurance-for-male-citizens/</link>
		<comments>http://www.salary.sg/2010/the-best-term-insurance-for-male-citizens/#comments</comments>
		<pubDate>Wed, 24 Nov 2010 03:43:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Other Money Matters]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/?p=590</guid>
		<description><![CDATA[If you are a male citizen who has served NS (or is still serving), the SAF Group Term Life Insurance by Aviva is perhaps the cheapest term insurance you can get. Term insurance is also known as &#8220;pure protection&#8221; insurance. It does not include any investment component, unlike ILPs and other investment-linked life policies. The [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Even Actuaries Don&#8217;t Buy Whole Life and Investment-Linked Insurance Plans</title>
		<link>http://www.salary.sg/2010/even-actuaries-dont-buy-whole-life-and-investment-linked-insurance-plans/</link>
		<comments>http://www.salary.sg/2010/even-actuaries-dont-buy-whole-life-and-investment-linked-insurance-plans/#comments</comments>
		<pubDate>Sun, 07 Nov 2010 14:56:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Other Money Matters]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/?p=586</guid>
		<description><![CDATA[In the insurance industry, an actuary is a technical specialist whose job is to analyse the likelihood that policy holders make claims against their insurance policies. Actuaries use mathematics, economics, computer science, finance, probability and statistics, and even business skills in their work. If actuaries themselves don&#8217;t buy whole life and investment-linked policies, what does it say [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<title>Avoid Investment-Linked Policies. Buy Term Insurance</title>
		<link>http://www.salary.sg/2010/avoid-investment-linked-policies-buy-term-insurance/</link>
		<comments>http://www.salary.sg/2010/avoid-investment-linked-policies-buy-term-insurance/#comments</comments>
		<pubDate>Thu, 28 Oct 2010 09:00:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Other Money Matters]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/?p=584</guid>
		<description><![CDATA[Tan Kin Lian wrote an excellent letter on term insurance to the ST, which today had an editorial article on the same topic. If you don&#8217;t know him, Tan Kin Lian was the ex-CEO of NTUC Income, one of the largest insurance companies in Singapore. He served 30 years as CEO (!!) and retired in [...]]]></description>
		<wfw:commentRss>http://www.salary.sg/2010/avoid-investment-linked-policies-buy-term-insurance/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
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		<title>31% Hit Medisave Contribution Ceiling Before 33</title>
		<link>http://www.salary.sg/2010/31-hit-medisave-contribution-ceiling-before-33/</link>
		<comments>http://www.salary.sg/2010/31-hit-medisave-contribution-ceiling-before-33/#comments</comments>
		<pubDate>Tue, 22 Jun 2010 03:55:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Other Money Matters]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/?p=534</guid>
		<description><![CDATA[In a recently concluded Salary.sg poll, 31% of the respondents indicated that their medisave balance reached the prevailing medisave contribution ceiling before they were 33 years old. Are you one of them? Once your medisave balance hits the MCC, the excess will be transferred to your Special Account. How soon you hit the MCC is an [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>CPF Minimum Sum Now $123k &#8211; Buying a 2nd Property?</title>
		<link>http://www.salary.sg/2010/cpf-minimum-sum-now-123k-buying-a-2nd-property/</link>
		<comments>http://www.salary.sg/2010/cpf-minimum-sum-now-123k-buying-a-2nd-property/#comments</comments>
		<pubDate>Fri, 14 May 2010 08:50:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Other Money Matters]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/?p=508</guid>
		<description><![CDATA[The prevailing CPF Minimum Sum will be increased to $123,000 effective 1 July 2010 (source: Straits Times). This is a $6k increase from the previous $117,000. If you are thinking of using CPF to pay for a second property, you will need to set aside half of the prevailing Minimum Sum. This amount is currently [...]]]></description>
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		<slash:comments>12</slash:comments>
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		<title>CPF Restored &#8211; $22.50 More In Medisave Account</title>
		<link>http://www.salary.sg/2010/cpf-restored-22-50-more-in-medisave-account/</link>
		<comments>http://www.salary.sg/2010/cpf-restored-22-50-more-in-medisave-account/#comments</comments>
		<pubDate>Wed, 05 May 2010 14:45:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/?p=503</guid>
		<description><![CDATA[The government has announced that the employer CPF contribution rate will be increased by 1%. From 1st September this year, your employer will pay an additional 0.5% to your Medisave Account. If you earn more than $4,500, you will get exactly $22.50 more. This is because CPF contributions are calculated based on the cap of [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Compare Your CPF Special Account Balance</title>
		<link>http://www.salary.sg/2010/compare-your-cpf-special-account-balance/</link>
		<comments>http://www.salary.sg/2010/compare-your-cpf-special-account-balance/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 15:12:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/?p=420</guid>
		<description><![CDATA[If you have been working for some years, you should have a rather significant amount of money in your CPF Special Account. The savings in your CPF SA currently still earn a 4% interest rate, totally risk free. There&#8217;s also an additional 1% interest paid to the first $60k of OA+SA. The interest is high [...]]]></description>
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		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>What&#8217;s not good about Supplementary Retirement Scheme (SRS)</title>
		<link>http://www.salary.sg/2009/whats-not-good-about-supplementary-retirement-scheme-srs/</link>
		<comments>http://www.salary.sg/2009/whats-not-good-about-supplementary-retirement-scheme-srs/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 12:45:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/?p=349</guid>
		<description><![CDATA[At first glance, the Supplementary Retirement Scheme (SRS) appears to be a very good deal. But after a simple analysis, we will know why it is not the case. As illustrated in today&#8217;s Sunday Times (see similar example in Finatiq), a contribution of $11,475 to your SRS account brings about a tax saving of $1,096. [...]]]></description>
		<wfw:commentRss>http://www.salary.sg/2009/whats-not-good-about-supplementary-retirement-scheme-srs/feed/</wfw:commentRss>
		<slash:comments>38</slash:comments>
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		<item>
		<title>The Wrong and Right Way to Invest: Wheelock CEO</title>
		<link>http://www.salary.sg/2009/the-wrong-and-right-way-to-invest-wheelock-ceo/</link>
		<comments>http://www.salary.sg/2009/the-wrong-and-right-way-to-invest-wheelock-ceo/#comments</comments>
		<pubDate>Sat, 04 Jul 2009 12:13:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/2009/the-wrong-and-right-way-to-invest-wheelock-ceo/</guid>
		<description><![CDATA[Once in a while you get these great gems from reading the papers. In a Business Times interview, David Lawrence practically whacked the greedy banks and at the same time dished out an excellent investment advice. It&#8217;s never been so clear. In the words of the Wheelock Properties CEO, &#8220;A lot of this crap was [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Launch of Salary.sg Forums</title>
		<link>http://www.salary.sg/2009/launch-of-salarysg-forums/</link>
		<comments>http://www.salary.sg/2009/launch-of-salarysg-forums/#comments</comments>
		<pubDate>Fri, 12 Jun 2009 04:57:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Jobs]]></category>
		<category><![CDATA[Net Worth]]></category>
		<category><![CDATA[Other Money Matters]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.salary.sg/2009/launch-of-salarysg-forums/</guid>
		<description><![CDATA[We have launched Salary.sg Forums. Now you can discuss salary, job, career and investment matters in a user-friendly forum format. Powered by vBulletin &#8211; which is the most popular forum engine among top discussion forums worldwide &#8211; you can now view well organized threads of discussions and reply directly to a particular thread or post [...]]]></description>
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		<slash:comments>4</slash:comments>
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