You will be able to go straight to the official source for the common money facts.
After the salary ceiling surprise in lesson 6.1, Training cutoffs and why last year's rate is wrong, Kelvin wanted a faster way to find current figures. His habit until then had been to type the question into a search engine and click the first result that looked sensible. That's how he'd found two blog posts with the old figure and decided the assistant must be right.
The fix is to skip the search step for the common facts. For most of the money figures a working adult in Singapore uses, there are only a handful of official sources, and once you know which one owns which fact, you can go straight there.
The CPF Board's website, cpf.gov.sg, is the source for contribution rates by age, the salary ceilings that cap contributions, interest rates on each account, the retirement sums, and the rules for every CPF scheme: housing, healthcare, top-ups and withdrawals. When rates change, the CPF Board publishes the new values and usually the date they take effect.
If you're logged in with Singpass, your own CPF account shows your balances and transactions. That's your personal data. Keep it there, and don't paste it into an assistant.
The Inland Revenue Authority of Singapore, at iras.gov.sg, publishes the income tax rates for residents and non-residents, every relief and rebate with its conditions and caps, and how specific kinds of income are treated. Reliefs are listed by year of assessment, so check that the page you're reading applies to the year you're filing for.
IRAS is also where you'd confirm the tax side of anything an assistant tells you about SRS contributions, CPF top-ups or investment income.
The Monetary Authority of Singapore, at mas.gov.sg, regulates banks, insurers, fund managers and financial advisers. Three things there come up again and again. The Financial Institutions Directory shows which firms are licensed and for what. The Investor Alert List flags unregulated entities that may have been mistaken for licensed ones. And the pages on Singapore Government Securities and Singapore Savings Bonds give the current issue, its rates and the application dates.
MoneySense, the national financial literacy programme, publishes plain-language guides on insurance, saving, borrowing and investing at moneysense.gov.sg. It's a good place to check whether an assistant's general explanation matches the official consumer view.
For credit and debt, a few more sites matter. Credit Bureau Singapore, at creditbureau.com.sg, explains credit reports and scores. The Registry of Moneylenders on mlaw.gov.sg lists licensed moneylenders and the rules they follow. Credit Counselling Singapore, at ccs.org.sg, explains the help it offers people in debt. The Association of Banks in Singapore, at abs.org.sg, publishes consumer information on banking, and its pages are where the Debt Consolidation Plan's current conditions are set out. Credit and debt: scores, cards, loans and BNPL draws on all of them.
For anything about a specific product, the official source is the product itself: the policy wording, the loan offer letter, the fund prospectus and product highlights sheet, the card's terms and conditions, the fee schedule on the bank's website. Lesson 4.2, Where the real answers live, covered investment documents in detail, and the same idea applies to every product. The fee that applies to you is the one in your documents, not one a chat or a comparison article quotes.
When the documents are unclear or don't cover your question, ask the provider in writing, as lesson 3.3, Check the explanation against the document, recommended. A written answer from the provider is a source. A phone call you half remember is not.
Getting to the right site is most of the work. The rest is checking the page is current. Look for a "last updated" or "effective from" date. On tax pages, look for the year of assessment. For savings bonds, check the issue code and the application window. If you can't find a date, look for an announcement or a newsroom section on the same site that confirms the latest change.
Kelvin found the salary ceiling on the CPF Board's contribution rates page, with the date the current figure took effect. It took about forty seconds, including the time to remember the address.
The five figures you listed for lesson 6.1 are waiting, and you now know which site owns each of them.
Find the current value of three figures from your lesson 6.1 list on the official site and note the date each was updated.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).