5 Common Misconceptions About Writing a Will in Singapore

In Singapore, the importance of having a valid and well-drafted will cannot be overstated. Despite this, many individuals still delay or avoid the process due to misconceptions.

According to a 2021 survey by the Straits Times, over 70% of Singaporeans do not have a will—many assuming that estate distribution is automatic or only necessary for the wealthy or elderly.

At Stamford Legacy, we aim to provide clarity by addressing these five common myths using a legal lens.

Myth 1: “I’m Too Young to Write a Will”

Reality: Age is not a barrier to mortality or mental incapacity. Under the Wills Act (Cap. 352), any individual aged 21 and above who is of sound mind is legally entitled to make a will in Singapore.

Legal Insight: Delaying the creation of a will can result in intestacy, where your estate is distributed according to the Intestate Succession Act (Cap. 146)—potentially against your personal wishes. Young adults, especially those with dependants or assets, should view will-making as a prudent financial and legal safeguard.

Myth 2: “If I Die Without a Will, Everything Automatically Goes to My Spouse”

Reality: This is one of the most widespread misconceptions. In cases of intestacy, the estate does not automatically pass entirely to the surviving spouse.

Legal Insight: For example, under the Intestate Succession Act, if you die without a will and are survived by a spouse and children, your estate is divided equally between the spouse and children. This may lead to unintended complications—especially if your children are minors or you have blended family structures.

Myth 3: “I Don’t Own Enough to Justify a Will”

Reality: A will isn’t just about wealth—it’s about clarity and control. Even modest estates can become complex without clear instructions.

Legal Insight: Writing a will allows you to:

• Appoint executors to manage your estate

• Name guardians for your children

• Allocate specific gifts to loved ones

• Prevent disputes or legal challenges

Additionally, CPF nominations, insurance proceeds, and digital assets—though not governed directly under the will—should be reviewed in parallel as part of a holistic estate plan.

Myth 4: “It’s Too Expensive or Complicated to Write a Will”

Reality: Will writing can be straightforward and cost-effective when done professionally. The key is to avoid DIY or templated wills that may be invalid or ambiguous.

Legal Insight: A professionally drafted will ensures compliance with legal formalities:

• It must be in writing

• Signed by the testator in the presence of two witnesses

• Witnesses must not be beneficiaries or spouses of beneficiaries

Failure to comply can render the will void or contested, leading to costly court proceedings.

Myth 5: “Once I Write a Will, I Can Forget About It”

Reality: Your will should evolve with your life circumstances. Marriage, divorce, having children, acquiring property, or changes in relationships warrant regular reviews.

Legal Insight: Under Singapore law, marriage revokes a will unless it was made in contemplation of that marriage. Failure to update your will can lead to outdated instructions or unintentionally disinheriting loved ones.

Final Thoughts: Make Estate Planning a Priority, Not a Postponement

Having a legally sound will is not just about asset distribution—it’s about providing certainty, reducing disputes, and ensuring your legacy is managed in line with your intentions. Avoiding these common misconceptions is the first step towards responsible estate planning.

At Stamford Legacy, we provide tailored will-drafting services with professional legal guidance to ensure your wishes are upheld with clarity and compliance.

Ready to write or review your will?