PZL Blog | Singapore
Insurance Authority & CPF Insights
I replace sales pitches with mathematical certainty.
I’m Zhe Liang (PZL) – a Fee-Based Financial Adviser and Dad obsessed with clarity. I write and speak on the logic behind money, translating complex CPF and insurance policies into robust retirement frameworks.
My goal: to help you make financial decisions with absolute confidence.
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Crafted for thoughtful readers who appreciate clarity and unbiased information. No spam, just value.
Citi Rewards Card Review Singapore: More than an Online Shopping card
Citi Rewards offers 10X Points (i.e. 2.27% cashback or 4 miles per dollar) to those who enjoy shopping, especially online shopping!
What is Ordinary Annuity and Annuity Due
Ordinary annuity and annuity due refers to regular payments made or received over a period of time. Learn how to apply it in real life today.
When to buy Whole Life Insurance Singapore
Learn three compelling reasons on when you should consider a whole life insurance policy over a term insurance policy in Singapore.
Cost of owning a Car in Singapore
Owning a car is so expensive that the retail price tag is more than eight times its physical value! Find out what makes up this cost.
When to buy Term Insurance Policy Singapore
Learn the six factors on when and why you should choose a term insurance policy to meet your life insurance needs.
What is Time Value of Money (TVM)
Time value of money states that for the same amount of money, it is worth more today than it will be in the future. Find out why today.
How to create a Monthly Budget
A beginner’s guide to creating a monthly budget. This works best for fresh graduates, or anyone who is serious about saving money.
Term vs Whole Life Insurance Singapore
Term vs whole life insurance, which is better? In this post, I highlight the key differences between the two types of insurance policies.