St. James's Place Money Relationship Monitor 2021

Singaporeans’ Relationship with Money in Uncertain Times

2021 affirms the old adage that uncertainty is the only constant for investors. 

Last year’s Money Relationship Monitor report looked into financial worries, economic volatility and recessionary pressures that reached unprecedented levels, affecting a wide range of investments and asset classes. Some areas have improved in the past year, while others have suffered. 

This second edition of the report by St. James’s Place Wealth Management Asia will provide more insights on the relationship of Singapore investors with their money and how they are managing their investments, along with the challenges and market uncertainties that they are facing in 2021 and beyond.

In this report, you will discover:

How Singaporeans are investing their money and attitudes towards financial planning and retirement

The attitudes towards investing and perceptions of various asset classes.

The view towards sustainable investing and if it is important for Singapore investors to consider ESG factors in their investments.

Their investment risk appetite and how often they review their investments.

The correlation between wealth and happiness in Singapore.

How financially ready Singaporeans are for retirement.

Their attitudes to saving and if they are saving enough.

Please note that the value of an investment will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested.  

 Download your report

First Name

Last Name



Country of Residence

By submitting this form, you hereby give consent to The Heritage Partnership, a Partner Practice of St. James’s Place (Singapore) Private Limited to collect, use and disclose your personal data in accordance with the St. James’s Place Privacy Policy, and which you have read and understood. You further understand that the personal data provided is meant to allow The Heritage Partnership to contact you for a non-obligatory consultation and send you the marketing material that you have agreed to receive.

  About the Research


The Money Relationship Monitor 2021 is an independent research study undertaken by Sandpiper Communications on behalf of St. James’s Place Wealth Management Asia around financial advice trends in Hong Kong and Singapore. It provides insights into the attitudes of investors, how they perceive money and plan for the future, as well as the impact of money on their relationships.

The findings in this survey were analysed and established through a total of 2,017 interviews conducted online in Hong Kong (1,012) and Singapore (1,005). Only respondents that were between the ages of 25-54 and who held personal investments in stocks, property, shares, funds, etc. were interviewed. All respondents were from households with a minimum annual income of between HK$400,000 to over HK$1,500,000 for Hong Kongers and S$70,000 to over S$250,000 for Singaporeans. Figures included within this research are rounded to the nearest whole number and may not add up to 100%.​



  Information and/or opinions presented in this report is provided for research informational purpose only. It should not be relied upon as financial advice and it does not constitute a recommendation, an offer or solicitation. No responsibility can be accepted for any loss arising from action taken or refrained from based on this publication. All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted.

©2021 St. James’s Place plc. All rights reserved. “St. James’s Place” and the St. James’s Place Logo are trademarks of St. James’s Place plc.

Excerpts from this report may be used or quoted, provided they are accompanied by the following attribution: ‘Reproduced with permission from The Money Relationship Monitor 2021, published by St. James’s Place Wealth Management.’


The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. 

Members of the St. James’s Place Partnership in Singapore represent St. James’s Place (Singapore) Private Limited, which is part of the St. James’s Place Wealth Management Group, and it is regulated by the Monetary Authority of Singapore and is a member of the Investment Management Association of Singapore and Association of Financial Advisers (Singapore). Company Registration No. 200406398R. Capital Markets Services Licence No. CMS100851. ​St. James’s Place Wealth Management Group Ltd Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom. Registered in England Number 02627518.


Built with