About Financial Health Check

The Financial Health Check includes nine key sections. Simply answer the questions, you will be provided an analysis report and action plan based on your circumstances which could help improve your financial situation.

• Please answer all questions on each page and press the "next" button to continue. You can also click on the "previous" button to go back and edit answers of previous pages.
• After answering all questions, please press the "result" button to view your analysis report and action plan.
• You can press to view and save your report in PDF format, or press to print the full report.
• The personal data and answers you have provided will only be analysed once, the Investor and Financial Education Council (IFEC) will not store your data and report.
• The information you have provided for this Financial Health Check is your personal information and can be sensitive. While this Financial Health Check allows you to save your data and view the information in different formats, please note the following measures for your consideration to protect your information/records against unauthorised or accidental access, processing or erasure:
  • Avoid using publically shared computers, such as those found in libraries or cyber cafes;
  • Save your downloaded files to a secure location to avoid access by third parties;
  • Do not leave your computer unattended while using this Financial Health Check;
  • Always remember to log off properly or close all browser windows immediately after use;
  • Install reputable anti-virus or security protection software on your computer.

Assumptions

The Financial Health Check takes into account the following for analysis:

• The expense-to-income ratio is calculated by this formula:

  Annual expenses	x 100%
  Total annual income

• If you are retired, you will not require to answer the section about retirement planning.
• According to the answers you input at some aspects of question, the Financial Health Check would display a message to indicate that you are not required to answer some other questions.
• If you have a well plan on some aspects, the Financial Health Check may not provide any action plan to you under certain circumstances.