TWS Salaryman Index

Over the years, we’ve been getting tons of DMs asking us for recommendations on where to put your money.
Here’s the bad news:
We can’t tell you exactly where to put your money in, because everyone has different needs, investment amounts and philosophies.
Here’s the good news:  We’ve come up with a comprehensive excel sheet so you can calculate what works best for you. You can access the excel sheet below, or click here to access it.

This index is best viewed on desktop!

We also created an archetype of ‘the average person’, which will be a ‘one-size-fits-most’ recommendation. So if you have no time, you can just look at that. This is a work in progress, so we will constantly add new product classes in the future.

Who the ‘average person’ is

  • Age: 30 
  • Monthly gross salary (including employer + employee CPF contributions): $4,680
  • Monthly take-home salary: $3,200, Emergency savings: $20,000 

Take Home Pay

50% needs

30% wants

20% savings











Product Category



Insurance Savings

Singtel Dash EasyEarn: 

$360 returns based on
a deposit of $20,000

Highest Interest Rate
based on a deposit of $20,000.

Cash Management

Higher-risk option: Endowus Cash Smart, Ultra 4.8%

risk: MoneyOwl Wise Saver 2.77%

Note: Endowus Cash
Smart has 3 tiers of risk levels.

High Yield Savings

UOB One Account / OCBC 360 Account 

Highest Interest Rate
based on a deposit of $20,000, and on the assumptions that you:

  • Use their
    debit/credit card with the bank
  • Spend at least
  • Pay at least 3
    recurring bills from the account
  • Have a steadily
    increasing bank account balance
  • Salary credit  

Roboadvisory Rates*

Most affordable
robo-advisor: MoneyOwl 

Most affordable bank
managed portfolio: DBS digiPortfolio

Lowest Fees payable.
Does not take into account performance, based on an investment amount of
$8,000. (Rounded up from $7,680)

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