How Do I Make a Will?
In Singapore, wills are governed by the Wills Act, which states that a testator may devise, bequeath or dispose of his real or personal estate, via a will.
Formalities of a Will
- The will must be committed to writing.
- The testator must be at least 21 of age.
- The testator must sign the will at the foot of the will. If the testator is unable to do so, he may allow another person to sign it in his presence.
- The testator’s signature must be witnessed by 2 or more witnesses, and they must also sign the will in the presence of the testator.
- The 2 main witnesses cannot be beneficiaries of the will, or spouses of the beneficiaries. A beneficiary can be a third witness.
Because of the possible complexity of these requirements, hiring a professional adviser (such as a lawyer) to devise the will is advisable.
What to Include in a Will
- A list of all of your assets. A jointly-owned bank account or house cannot be devised by a will.
- A list of all your liabilities. You must state how you want your debts to be paid off before your assets are distributed to the beneficiaries.
- The beneficiaries (who to give the assets to) and guardians (for if the beneficiaries are too young), and how much each one is to receive. You may also want to include reserve (i.e. backup) beneficiaries in the event of simultaneous death.
- The executors (to carry out your will). A beneficiary may also be the executor.
- The advisors. For example, lawyers and accountants.
- A revocation clause to revoke any and all previous wills.
- A residuary clause that distributes any remainder of your estate according to your wishes. For example, if a beneficiary dies before you, the asset bequeathed to him becomes the remainder.
For more information, refer to our checklist for drafting a comprehensive will.
Will Central Provident Fund (CPF) monies be covered by your will?
As CPF savings are not covered under your will, you must make a CPF nomination if you want your CPF savings to be distributed according to your wishes upon your passing. Each nominee will receive a proportion as specified in your nomination.
Otherwise, your CPF savings will be transferred to the Public Trustee’s Office and distributed according to the rules in the Intestate Succession Act.
Do You Need a Lawyer to Draft a Will?
You do not strictly need a lawyer to write a will. However, it is best to engage one if your requirements on who should inherit your assets are rather complex.
There are also will-writing services offered by non-lawyers. It is not true that these services will definitely be priced lower than lawyer services. Given the competitive legal market now, it is possible to engage a lawyer to write a will for approximately the same price as other will-writing services. Read our guide to will-writing services in Singapore.
We also offer a WillMaker service for individuals to conveniently make a will online for $89 per will. This flat fee includes unlimited edits and downloads of the will document for 1 month. WillMaker is accessible here.
What to Do with a Will
You could also approach the Wills Registry to deposit information of the will. This would greatly smoothen the probate process.
The information kept by the Wills Registry is strictly confidential. Access to such information will be limited to the person making the will, his or her next-of-kin and the relevant lawyers in the will-making process. Information that can be deposited includes:
- Details of the person making the will
- Date of the will
- Details of the person who drew up the will
- Details of where the will is held
Depositing information with the Wills Registry can be done through the “Deposit of New Will Record” service at the Public Trustee Office E-Services page. Hardcopy forms are not accepted. It costs $50 to deposit information on your will with the Wills Registry.
How to Revoke a Will
- A will is generally revoked by marriage.
- A will can be revoked by a new will, a written revocation, or by destroying the old will.
How a Will is Executed: Choosing an Executor
A will is executed by the executor. However, the executor can refuse to execute the will. Therefore, if you are making a will, it is important to consult whomever you wish to appoint as executor beforehand and obtain his consent.
The executor may be a person or a professional trust specialising in wills. The executor applies for probate and administers the estate. He will settle the deceased’s debts and distribute the assets to the beneficiaries according to the will.
A will can be contested by those who dispute its validity, and a court may declare it wholly or partially invalid. It is therefore important to ensure that it complies with the provisions of the Wills Act.
What If You Die Without Leaving a Will?
If no will is left behind before a person dies, his property would be distributed according to the rules in the Intestate Succession Act.
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