Key Takeaways

• Singapore’s best endowment savings plans in 2025 offer flexible options for both short- and long-term financial goals.
• Popular plans include GREAT SP by Great Eastern, DBS SavvyEndowment 19, Manulife Goal 2024 (V), AXA EarlySaver Plus, and Prudential PRUActive Cash.
• Choosing between short-term certainty and long-term growth depends on your time horizon, risk appetite, and desired returns.
• Endowment plans remain attractive for those seeking disciplined savings with added insurance protection.

In today’s uncertain economic environment, Singaporeans are rethinking how they build and protect their savings.
With inflation pressures lingering, market volatility persisting, and interest rates shifting, structured savings tools such as endowment plans have once again proven their value.

Unlike volatile investments, endowment savings plans provide a disciplined approach to growing wealth, offering guaranteed payouts or stable returns at maturity, often coupled with life insurance coverage.

Whether you’re saving for a child’s education, planning early retirement, or simply aiming to grow your money safely, the right endowment plan can offer both peace of mind and attractive returns.

In this guide, we explore the best endowment savings plans in Singapore for 2025, comparing features, potential yields, and why they could suit your financial goals.

Types of Endowment Saving Plans: Which One Fits You?

Before diving into specific plans, it’s important to understand the basic types available in Singapore:

Short-Term Endowment Plans

Typically lasting 2–4 years, short-term plans are ideal for conservative savers seeking stable, guaranteed returns without tying up funds for too long.

• Best for: Achieving quick financial goals (e.g., travel funds, renovations)
• Pros: Capital guaranteed, no market exposure
• Cons: Lower yields compared to equity-based investments

Mid-Term and Long-Term Endowment Plans

Spanning from 5 to 25 years, these plans are structured for larger life goals, such as education funding or retirement planning.

• Best for: Building wealth over a decade or more
• Pros: Potentially higher returns, yearly cash benefits, comprehensive coverage
• Cons: Requires longer commitment; returns partly non-guaranteed

By understanding your timeline and liquidity needs, you’ll be better positioned to select a plan that complements your broader financial strategy.

The 5 Best Endowment Saving Plans in Singapore (2025)

Here’s a closer look at the most compelling savings plans this year, offering a range of tenures, returns, and flexibility.

1. GREAT SP by Great Eastern

Best for: Short-term savers seeking guaranteed returns

• Policy Term: 2 years
• Guaranteed Returns: 2.00% p.a.
• Protection: Death and Total Permanent Disability cover
• Minimum Premium: S$10,000 (single premium)
• Key Benefit: Online application, no medical underwriting

If you’re looking for a best short-term endowment plan in Singapore, GREAT SP offers the perfect combination of capital protection and guaranteed payouts. It’s ideal for parking spare cash safely without worrying about market fluctuations.

2. DBS SavvyEndowment 19

Best for: Mid-term savers who want a blend of certainty and bonus potential

• Policy Term: 3 or 4 years
• Guaranteed Returns: Up to 2.67% p.a.
• Potential Total Returns: Up to 2.82% p.a. (including bonuses)
• Protection: 101% of single premium upon death
• Minimum Premium: S$5,000
• Application: Fully digital via DBS digibank

Building on the success of previous series like Savvy Endowment 12 and Savvy Endowment 13, this 2025 update remains highly accessible and competitive for those seeking reliable mid-term returns.

3. Manulife Goal 2024 (V)

Best for: Capital-guaranteed savings with bonus upside

• Policy Term: 3 or 4 years
• Guaranteed Returns: Matches DBS SavvyEndowment 19 (up to 2.67% p.a.)
• Protection: Death benefit of 101% of premium
• Minimum Premium: S$5,000
• Application: Available through partner banks (no medical check-up)

For savers who value guaranteed maturity payouts but also want to enjoy potential non-guaranteed bonuses, Manulife Goal 2024 (V) offers a balanced, low-risk way to grow your savings steadily.

4. AXA EarlySaver Plus

Best for: Parents or long-term planners seeking flexible education or retirement savings

• Policy Term: 10 to 25 years
• Premium Payment Options: 5 or 10 years
• Potential Returns: Up to 4.75% p.a.
• Protection: Accidental death and outpatient medical expense coverage
• Minimum Premium: S$1,800 annually

While requiring a longer commitment, AXA EarlySaver Plus offers guaranteed cash payouts during the later years, making it attractive for those planning around predictable financial milestones like university tuition or retirement years.

5. Prudential PRUActive Cash

Best for: Long-term savers who want annual cash payouts

• Policy Term: 15–25 years
• Cash Benefits: Annual payouts of 3% of the policy’s face value after Year 2
• Protection: Death, Terminal Illness, Total and Permanent Disability
• Flexibility: Reinvest cash payouts or withdraw yearly
• Premium Payment Options: 5–25 years

With flexible annual cash benefits and reinvestment options, PRUActive Cash is a strong choice for individuals who want both ongoing income and a final maturity payout, providing excellent versatility for different life stages.

Need Help Building Your Financial Safety Net?

If you’re growing your savings but need a short-term financial boost, Horison Credit is here to support you.

As a licensed money lender in Singapore, we offer fast, transparent loans to help you bridge immediate needs, so you can stay focused on your long-term financial goals.

How to Choose the Right Endowment Plan for Your Needs

Choosing the best endowment plan in Singapore isn’t just about chasing the highest advertised return.

Here’s what you should prioritise:

1. Define your financial goals

Are you saving for a short-term expense, a child’s education, or early retirement? Match your plan tenure accordingly.

2. Assess your risk appetite

Prefer certainty? Choose non-participating, guaranteed plans like GREAT SP.

Comfortable with some variability? Participating plans like PRUActive Cash offer potential upside.

3. Consider liquidity needs

Need flexible access to cash along the way? Look at plans with regular cash payouts, like Prudential PRUActive Cash.

4. Understand total cost and charges

Factor in surrender charges, policy fees, and any hidden costs when assessing projected returns.

5. Seek professional advice if unsure

For high-commitment plans (10+ years), consider consulting a licensed financial advisor to avoid mismatches.

Final Thoughts: Building a Stronger Financial Future

In 2025, endowment savings plans remain a valuable strategy for those seeking a disciplined, structured path to wealth accumulation.

Whether you’re prioritising short-term guaranteed returns, or planning to fund major life milestones decades ahead, there’s a suitable endowment plan on the market for you.

By understanding your goals, matching them with the right product, and staying committed, you can create a stronger, more resilient financial future, no matter how the markets shift.

Ready to Take the Next Step?

If you’re looking to supplement your savings or need additional liquidity to stay on track, Horison Credit is here to assist.

We provide fast, reliable personal loans that can help you manage life’s financial surprises without derailing your long-term plans.

Secure your future today, connect with Horison Credit for support you can trust.