Edge Planner - Figures to Know for Scenario Activities
With Edge Scenarios Function, advisors can now illustrate financial “what-ifs” in a way that’s both visual and impactful — helping clients truly grasp the potential impact of life events on their financial plan.
But to make the most of this tool, it helps to have reference figures ready to plug into your scenarios. Below is a quick guide to commonly used numbers you can input to simulate real-life situations — from health events to retirement expenses.
Here are a few scenario ideas, along with ballpark figures to make your illustrations more relatable:
Stop Income / Reduce Income
Recurring Expenses / Recurring Expenses with Inflation
Dividend Annuities / Accumulation Planning
Stop Income / Reduce Income
🧠 Critical Illness (Mid-Life)
Stop Income: Age 50–55 (Highest No of Claims)
Reduced Income: 30% reduction from age 56 to retirement
Rationale: Reflects potential job disruption or lower re-employment prospects after recovery
Source - 7 Worrying Critical Illness Statistics in Singapore (2024)
⚡ Early Critical Illness (Working Adult)
Reduced Income: 35% over 5–10 years
Rationale: Simulates a switch to a less demanding job or reduced work hours during recovery
🧓 Disability During Working Years
Stop Income: Permanently from the point of disability
Recurring Expenses (Infl.): Add $1,000–$2,000/month for caregiving, mobility support, etc.
💡 Rationale:
TPD doesn't just mean loss of income — it often leads to long-term financial strain with CareShield life (without supplement) potentially not enough to cover the losses due to:Medical support devices or home adjustments
Caregiver or nursing home expenses (often non-insurable via Shield plans)
Loss of ability to continue wealth accumulation
Possible increased reliance on family support (emotional + financial)
☠️ Death of Breadwinner
Stop Income: Immediately
Goals: Include lump sum needs (children’s education, mortgage clearance, etc.)
Recurring Expenses (Infl.): $2,000–$5,000/month to support surviving dependents
Duration: Until children are financially independent / spouse reaches retirement
💡 Rationale:
Death of the main income earner creates a multi-layered financial vacuum:
Ongoing household expenses still need to be covered
Education, caregiving, and housing goals remain
Surviving spouse may not be able to replace income at the same level or immediately
MAS Planning Guide - basic-financial-planning-guide-2023.pdf
Recurring Expenses / Recurring Expenses with Inflation
🧓 Disability After Retirement
Recurring Expenses (Inflation-adjusted): $1,000/month from age 65–80
Rationale: Accounts for caregiver costs, alternative treatments, and non-hospital needs
Current Caregiver Rate (2025): $700–$2,600/month
Source - Affordable Elderly Caregiving Services 2025: Costs and Options | NTUC Health Elderly Care
🏥 Rising Medical Premiums in Old Age
Recurring Expenses (Inflation-adjusted): $100/month from age 65–85
Rationale: Highlights rising healthcare costs not covered by Medishield
Projected Accumulated Cost (for users now in 30s): Up to $100,000+
🏠 Personal Loans & Home Mortgage Commitment
Recurring Expenses: Depends on individuals
Rationale: Used to model risk exposure during key liability periods
Dividend Annuities / Accumulation Planning
💰 CPF Retirement Scheme at 55 to Pay Out at 65
Dividend Annuities: Estimated payout amount to be entered based on the user’s Retirement Account balance
| At Age 55 | 2025 | 2026 | 2027 |
|---|---|---|---|
| BRS | $930 ($106,500) | $950 ($110,200) | $980 ($114,100) |
| FRS | $1,730 ($213,000) | $1,780 ($220,400) | $1,840 ($228,200) |
| ERS | $2,530 ($319,500) | $2,610 ($330,600) | $2,690 ($342,300) |
Source - annexe3.pdf
💡 Pro Tip
The power of scenarios lies not just in the numbers — but in how they visualise risks and opportunities your client may not have considered. Use these figures as conversation starters and opportunity openers.
We’ll continue to expand this list as we uncover more commonly used figures and case types. Feel free to adapt them based on your client profiles and needs.
