Master the six metrics professional wealth managers use monthly. Know your numbers — and what they're telling you about your financial trajectory.
Professional advisors analyse these monthly to optimise wealth strategy. Each ratio tells a different story about your financial health.
Shows what percentage of your income goes to debt repayment. Critical for Singapore's HDB mortgage approval and MAS TDSR framework.
Ideal: < 40% · Excellent: < 20%
MAS TDSR cap: 55% — stay well below it
Percentage of income saved and invested. Determines how quickly you build wealth. Includes CPF contributions in the baseline.
Ideal: 20–40% · Target: 30%
High achievers in SG target 30–50%
Shows how much wealth you've accumulated relative to earnings. The most honest measure of wealth accumulation progress over a career.
Age 35: 2–3× · Age 45: 4–5× · Age 55: 8–10×
Include CPF, property equity, and investments
How many months of expenses you can cover with liquid assets. Essential safety net for Singapore's dynamic job market and economic cycles.
Ideal: 6–12 months · Minimum: 3 months
60% of Singaporeans have less than 3 months
Percentage of wealth in growth assets vs. property or cash. Higher ratio means more aggressive growth. Most Singaporeans are under-invested — locked in CPF and HDB.
Conservative: 20–30% · Balanced: 40–60% · Growth: 70%+
Average SG household: < 15% — dangerously low
Annual growth rate of your wealth. Benchmark against 7–10% average for professional wealth management. Below 5% means inflation is eroding your purchasing power.
Target: 8–15% annually · Excellent: > 15%
Below 5% = losing ground to inflation
Ratio deterioration signals financial stress before it becomes critical. Catch issues 12–18 months before they become emergencies.
Ratios show whether your financial actions match your wealth goals. Adjust strategy based on actual numbers, not assumptions.
Wealth Acceleration Ratio shows if your wealth is growing fast enough. Benchmark against 8–15% annual growth targets.
Hard numbers enable better decisions on investments, spending, debt repayment, and major purchases like property.
Compare your ratios against age and income benchmarks. Know exactly where you stand among similar demographics in Singapore.
Professional advisors use these same metrics. Knowing your ratios means speaking the same language and getting better, faster guidance.
Start with the most critical ratio — the one banks and MAS use to assess your financial position before any major loan or mortgage.
Include: HDB/private mortgage, car loan, personal loans, credit card minimums
Include salary, bonuses, rental income — before CPF and income tax
Wealth benchmarks calibrated for Singapore's cost of living, CPF structure, and property market.
Emergency Fund
(Monthly Expenses)
Net Worth Target
(Age 35–45)
Minimum Target
(incl. CPF)
Millionaire Milestone
(SGD Net Worth)
A structured approach to allocating income that works within Singapore's CPF-heavy payroll environment.
See What Happens Without This →Curated market intelligence with direct implications for your wealth management decisions.
Dr Chew will analyse all six ratios against Singapore benchmarks, identify your priority action, and design a strategy to improve your weakest metric first.