Tiq 3-Year Endowment Plan Review 2026: 3.56% p.a. Guaranteed (Fully Subscribed)
Data verified as at 6 September 2026 | This article is for informational purposes only and does not constitute financial advice. Please consult a licensed financial adviser before making any investment decisions.
The Tiq 3-Year Endowment Plan from Tiq by Etiqa offers a guaranteed 3.56% p.a. return over a fixed 3-year term — significantly higher than Singapore T-bills (1.60%), fixed deposits (up to 2.00%), and Singapore Savings Bonds (2.25% 10-year average) as of September 2026. The plan is currently fully subscribed, but here is everything you need to know before the next tranche opens.
What Is the Tiq 3-Year Endowment Plan?
The Tiq 3-Year Endowment Plan is a single premium, non-participating life insurance savings plan offered by Tiq by Etiqa — the digital insurance brand of Etiqa Insurance Pte. Ltd., which is backed by Maybank, Malaysia’s largest bank by assets.
Unlike regular premium plans where you invest monthly, this is a lump-sum product. You place a single premium (from S$5,000 to S$1,000,000), leave it for exactly 3 years, and collect a guaranteed maturity payout. No reinvestment decisions, no market exposure, no volatility.
The plan is issued in limited tranches, and each tranche sells out — sometimes within days of launch — because the guaranteed rate is materially higher than comparable savings products in Singapore. As of September 2026, the most recent tranche is fully subscribed.
Etiqa Insurance Pte. Ltd. (UEN: 201331905K) underwrites the policy, and it is protected under the Policy Owners’ Protection (PPF) Scheme administered by the Singapore Deposit Insurance Corporation (SDIC).
Key Features at a Glance
| Feature | Details |
|---|---|
| Plan Type | Single premium, non-participating endowment |
| Policy Term | 3 years (fixed) |
| Guaranteed Return | 3.56% p.a. (total 11.07% over 3 years) |
| Minimum Premium | S$5,000 |
| Maximum Premium | S$1,000,000 |
| Entry Age | 17 to 80 years (age next birthday) |
| Death Benefit | 101% of single premium paid |
| Underwriter | Etiqa Insurance Pte. Ltd. |
| PPF/SDIC Protection | Yes — Policy Owners’ Protection Scheme applies |
| Health Requirements | Guaranteed acceptance — no medical check required |
| Currency | Singapore Dollars (SGD) |
| Availability | Currently Fully Subscribed — join waitlist for next tranche |
How It Compares: Returns vs Alternatives
Context is everything when evaluating an endowment plan. Against the current rate environment in Singapore (September 2026), the Tiq 3-Year plan’s 3.56% p.a. is a clear outlier in the capital-guaranteed savings space.
| Product | Rate (p.a.) | Lock-up | Capital Guaranteed? |
|---|---|---|---|
| Tiq 3-Year Endowment Plan | 3.56% | 3 years | ✓ Yes |
| Singapore Savings Bond (10-year avg) | 2.25% | Flexible | ✓ Yes |
| Best Fixed Deposit (Citibank 6M) | 2.00% | 6 months | ✓ Yes |
| GIGANTIQ (Tiq by Etiqa) | 1.80% | None (anytime) | ✓ Yes |
| 6-Month T-bill (Aug 2026 auction) | 1.60% | 6 months | ✓ Yes (SGS) |
| Major Bank FD (UOB/OCBC/DBS 6M) | 1.30–1.50% | 6–12 months | ✓ Yes |
Rates as at September 2026. T-bill rate is cut-off yield from 27 August 2026 auction. SSB rate is 10-year average return for September 2026 issue. FD rates may vary by bank and promotion.
Returns Scenario: How Much Will You Earn?
The plan uses a simple interest equivalent calculation — the 11.07% total return is applied to your single premium at maturity. Here is what that looks like across different investment amounts.
| Premium Invested | Total Return (11.07%) | Maturity Payout | vs Best FD (2% × 3 yrs) |
|---|---|---|---|
| S$5,000 | S$554 | S$5,554 | +S$254 more |
| S$20,000 | S$2,214 | S$22,214 | +S$1,014 more |
| S$50,000 | S$5,535 | S$55,535 | +S$2,535 more |
| S$100,000 | S$11,070 | S$111,070 | +S$5,070 more |
FD comparison assumes 2.00% p.a. simple interest for 3 years (best available rate, Citibank, Sep 2026). Tiq plan figures sourced from official Tiq product page. Does not account for potential FD rate changes.
For a sense of how S$100,000 compounds at different rates over time, try our Retirement Calculator to model various savings scenarios.
Pros and Cons
| Pros | Cons |
|---|---|
| ✓ 3.56% p.a. guaranteed — highest among capital-guaranteed products (Sep 2026) | ✗ Currently fully subscribed — no new applications accepted |
| ✓ No medical underwriting — guaranteed acceptance ages 17–80 | ✗ 3-year lock-up: early termination typically means surrender charges and loss of interest |
| ✓ SDIC/PPF Scheme protected — added safety net | ✗ Limited tranche — sells out fast, not always available |
| ✓ Life coverage: 101% of premium on death | ✗ Minimum S$5,000 required — not accessible for very small savers |
| ✓ Online application — simple digital process via Tiq app or website | ✗ Non-participating — no bonus payouts beyond the guaranteed amount |
Who Is This Plan Suitable For?
The Tiq 3-Year Endowment Plan suits capital-preservation savers who have a defined 3-year window they do not need to touch. Ideal profiles include those building a wedding or home renovation fund (3-year horizon), those who have maxed out their Singapore Savings Bonds allocation (S$200,000 individual limit), people seeking predictable returns without equity market exposure, and retirees or near-retirees who want guaranteed income without locking funds up for 10+ years.
It is not ideal for those who may need emergency liquidity within 3 years — the surrender value before maturity can be below the premium paid. If liquidity is a priority, look at the GIGANTIQ plan or SSBs instead. For a full comparison of Etiqa’s endowment product range including Tiq CashSaver, Enrich Saver, and Flex Plus, read our Etiqa Endowment Plan Singapore 2026 guide.
If you are thinking about the role of guaranteed-return products in your overall CPF investment strategy, a plan like this can serve as a stable low-risk allocation within your broader portfolio.
Why Is It Fully Subscribed? (And What To Do Now)
The short answer: demand far outstrips supply. In the current Singapore rate environment — where 6-month T-bills yield just 1.60% and major bank FDs pay 1.30–1.50% p.a. — a guaranteed 3.56% p.a. from a SDIC-protected product is exceptional. Tiq releases this plan in tranches (limited pools of capital), and each tranche closes once fully taken up.
The right move while you wait for the next tranche is to register your interest on the official Tiq website. Tiq notifies interested subscribers before public launch, giving waitlisted buyers a head start. You can leave your contact details directly on the Tiq 3-Year Endowment Plan page.
There is no guarantee the next tranche will offer the same 3.56% rate — rates are set per tranche based on prevailing market conditions. Monitor announcements from Tiq or bookmark this page for updates.
Alternatives While You Wait for the Next Tranche
While the Tiq 3-Year plan is unavailable, here are the best capital-guaranteed options for Singapore savers in September 2026.
GIGANTIQ (Tiq by Etiqa) — Also from the Tiq stable, GIGANTIQ offers 1.80% p.a. (1% guaranteed + 0.80% bonus for Year 1) with full liquidity: you can withdraw anytime without penalty. Minimum S$100. This is the obvious “park your funds here while you wait” option — especially since it is the same insurer. You can add insurance riders to boost the rate by up to 0.25% p.a. per rider on the first S$10,000 of each rider purchased.
Singapore Savings Bonds (SSB) — The September 2026 SSB issue offers 1.52% in Year 1, stepping up to 2.25% average over 10 years. The key advantage is flexibility: you can redeem any month with no penalty and get your principal plus accrued interest back within one month. Read more about how to buy Singapore Savings Bonds here.
Fixed Deposits — Citibank currently offers 2.00% p.a. for a 6-month SGD fixed deposit (minimum S$5,000 fresh funds). This is the highest FD rate available as at September 2026. Major local banks (DBS, OCBC, UOB) offer 1.30–1.50% p.a. on standard 6-month FDs.
Other Endowment Plans — Several insurers offer comparable short-term endowments. See our overview of the full Etiqa endowment plan range for alternatives within the same insurer family.
Frequently Asked Questions
Is the Tiq 3-Year Endowment Plan still available in 2026?
What is the guaranteed return on the Tiq 3-Year Endowment Plan?
Is the Tiq 3-Year Endowment Plan SDIC-protected?
Can I buy the Tiq 3-Year Endowment Plan using CPF funds?
What happens if I surrender the policy early?
Who is eligible to buy the Tiq 3-Year Endowment Plan?
How does Tiq 3-Year compare to Singapore T-bills?
What is the difference between Tiq 3-Year Endowment and GIGANTIQ?
Can I buy multiple Tiq 3-Year Endowment Plan policies?
Join the Waitlist for the Next Tiq 3-Year Endowment Tranche
Register your interest directly on the Tiq website to be first in line when the next tranche opens. In the meantime, park your funds in GIGANTIQ (1.80% p.a., fully flexible) while you wait.
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This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
