Chapter 01
The Special Needs Trust
A clear comparison of the two Singapore options — the Special Needs Trust Company (SNTC) and a private trust — so you can choose what truly fits your family.
For Singapore parents of a child with special needs
A plan for when
you’re no longer here.
A quiet, step-by-step walk-through of the things every family caring for a child with special needs deserves to have in place — so the love and care you give today can keep going, for their whole life.
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How we think about it
The questions that keep you up at night
Who will love them like I do?
The people who step in when you can't
Will there be enough?
A lifetime of care, without draining your savings
Who can I trust with the money?
Steady hands you choose yourself
Will my wishes be followed?
Your voice, written down and protected
A quiet question
“If something happened to us tomorrow — who would care for our child, and with what?”
You’ve been carrying this for a long time. This guide is how you finally put it down.
Inside the guide
Three steps to a lifetime of care.
A short, considered read. No jargon, no product pitches — just the framework Singapore families use to plan well for a child with special needs.
- 01
The Trust
Who holds it
- 02
The Fund
How it's paid for
- 03
The Will
How wishes are followed
Chapter 02
Funding, without giving up your retirement
The exact structures families use to provide for their child for life, without draining the savings you’ll need for your own later years.
Chapter 03
The Will & Letter of Intent
A real, redacted sample showing how to capture your child’s routines, care needs and the people who matter — so any future guardian knows exactly what to do.
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A story · how one family found certainty
How one father turned seventeen years of worry into a plan that outlives him.
Mr Tan (55) has a son, Jun (17), who lives with autism. His question was never whether he'd provide for Jun — he always has, every single day. It was what happens on the day he can't. Rather than choose between Jun's future and his own retirement, the right structure let him do both.
1
The $1.5M reality
Therapy, a carer, daily living — across Jun's lifetime, the number came to about $1.5 million. Seeing it in black and white was the turning point: the moment a formless worry became a plan with a shape.
2
One structure, three parts
A special needs trust to hold and release money on his instructions. A will that directs everything into it. A life policy that fills the trust with the full $1.5 million at exactly the moment it's needed — funded in the way that fit his finances. No piece works alone; together, they're a framework that runs without him.
3
Certainty, in writing
Jun's care no longer depends on anyone remembering, deciding, or coping. It's structured, funded, and written down. Mr Tan's retirement stays untouched — and the question that used to wake him at 3am finally has an answer.
Illustrative example.
A plan that outlives you
Set up a Special Needs Trust so your child is cared for — financially and legally — long after you're gone, with the people you choose making the decisions.
Funded without sacrificing your retirement
A life policy — funded in the way that fits your finances — creates the lump sum at exactly the moment the trust needs it, without dismantling your CPF or retirement savings.
Written for Singapore families
SNTC vs private trusts, CPF nominations, guardianship under SG law, and a sample Letter of Intent — all in one quiet read.
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- Comparison of SNTC vs private trust options
- A sample Letter of Intent to guide future caregivers
- Strategic funding that protects your own retirement