affluent.sg

What It Is

Affluent is an estate planning and wealth strategy platform for families in Singapore, comprising Affluent Wills and Affluent Capital. It is not a payment processor or acquiring institution. Instead, it provides services around wills, estate planning, LPA, Advance Care Directives, CPF nominations, and long-term portfolio management. Its core philosophy is to “plan first, then document,” avoiding the common issue of producing a standalone will without a broader strategy.

Core Services and Capabilities

On the estate planning side, Affluent starts with a Basic Will and can expand to Bespoke Will, LPA/AMD, estate advisory services, and lawyer-assisted execution. According to the site, the platform assigns an Estate Planner as a single point of coordination to understand the client’s assets, family structure, and wishes, then works with financial advisers, the management team, or partner lawyers to produce a complete estate plan.

Affluent Capital focuses on long-term wealth management. It proposes an allocation framework of 80% growth assets and 20% real assets, emphasizing global diversification, bond buffers, gold’s inflation-hedging and safe-haven characteristics, and a three-stage “accumulation–transition–harvest” approach to retirement income planning. The return illustrations on the page are based on a 7.5% annualized assumption and an approximate 0.5% monthly distribution rate, but the site clearly states that returns are not guaranteed.

Pricing and Compliance

Pricing disclosure is limited. The Basic Will is listed from SGD 250, which is relatively transparent for a basic will service. However, pricing for Bespoke Will, Estate Advisory, portfolio management fees, fund expenses, and related items is not disclosed. On compliance, the site states that customized wills are drafted and executed by partner lawyers, but it does not disclose financial licenses, regulatory numbers, or investment advisory qualifications. As a result, the legal entity and regulatory boundaries for investment-related services require further verification.

Pros, Cons, and Best-Fit Users

The main advantage is a clear service pathway, making it suitable for Singapore families with dependents, blended families, dependents with special needs, business interests, or cross-border assets. Its investment framework also emphasizes diversification and behavioral risk, which may appeal to users seeking a long-term, steady allocation approach. The downside is limited transparency on the investment side, with insufficient information on fees, licenses, and underlying products. The return examples rely on assumptions and should not be treated as investment promises.

Access from China and Alternatives

The site does not provide information on access, payment, or account opening from mainland China, so china_access can only be considered unknown. For users in mainland China, it is usually more appropriate to first consult local lawyers, trust institutions, or private wealth departments at banks. If Singapore assets, CPF, or local estate law are involved, then Singapore-based law firms or licensed wealth advisers may be worth considering.