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.
Illustrated Investment Rate of Return (IIRR) for a Participating Policy Singapore
Differentiate between the illustrated investment rate of return and the actual returns that you receive for your participating policy.
How to Revoke a Will in Singapore
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You can revoke a Will to revert your estate distribution to the previous arrangement. Find out the four ways to revoke your Will.
Intestate Succession Act Singapore
Understand Singapore’s Intestate Succession Act and how your estate will be distributed if you pass away without a valid Will.
Dependants’ Protection Insurance Scheme (DPS) Singapore
Everything that you need to know about Dependants’ Protection Scheme, the term insurance policy that most of us will have.
How do Credit Card Rewards Work Singapore
Be it cashback, miles, or reward points, learn the basics of how credit card rewards work and how to use them to optimise your spending.
Lump Sum Investing vs Dollar Cost Averaging (DCA): Which is Better?
A detailed explanation with illustrations on lump sum investing vs dollar cost averaging. Eventually, it depends on three key questions.
CPF Special Needs Savings Scheme (SNSS) Nomination Singapore
Understand CPF Special Needs Savings Scheme (SNSS) and how it ensures the long-term care of your child when you are no longer around.
Money Wisdom (Christopher Tan): Book Review
Money Wisdom focuses on how to improve your financial wellness in three broad areas. Read this book review to find out more today.