Know when you're ready to sit the RES 5 exam
Answer 700+ RES 5 questions, read why each answer is right, and see which of the 27 chapters still cost you marks.
A representative recommends an investment-linked policy to a client. Under the Financial Advisers Act, what must the representative do before the client commits to the purchase?
Pass mark
75% + 80% (must pass both parts)
Format
150 MCQs in 3 hours (Part I: 110, Part II: 40)
Registration
Singapore College of Insurance (SCI)
Question bank
700+ questions
Official RES 5 exam fee (paid to Singapore College of Insurance (SCI)): S$185.30-236.53 incl. GST. Always confirm the current fee and pass mark with Singapore College of Insurance (SCI) before booking.
Where RES 5 marks are lost
RES 5 has two pass marks and you have to clear both in the same sitting: 75% on Part I's 110 questions and 80% on Part II's 40. Part II is the tight one. Get 9 of its 40 wrong and you fail the paper, however well Part I went. It covers chapters 14 to 27: ethics, fair dealing, and the steps of advising a client, from fact-finding to reviewing their portfolio. A wrong answer costs nothing extra, so never leave one blank.
What SCI tests in RES 5
- 1Financial Advisers Act and Regulations: financial advisers and representatives
- 2Financial Advisers Act and Regulations: conduct of business, powers and offences
- 3MAS Notices, Part I
- 4MAS Notices, Part II
- 5MAS Notice FAA-N06: anti-money laundering and countering the financing of terrorism
- 6MAS Notices, Part III
- 7MAS Notice 307: investment-linked policies
- 8MAS Guidelines, Part I, and Circular CMI 01/2011
- 9MAS Guidelines, Part II
- 10MAS Guidelines, Part III
- 11Revised Code on Collective Investment Schemes
- 12Securities dealing: market conduct
- 13Central Provident Fund
- 14Why professional ethics matter
- 15Professionalism
- 16Ethical behaviour
- 17Unethical behaviour
- 18Conflict of interest
- 19Fair dealing
- 20Ethical marketing and sale of financial products
- 21Developing client-representative relationships
- 22Fact finding and needs analysis
- 23Analysing and evaluating a client's financial status
- 24Developing appropriate strategies and solutions
- 25Presentation of analysis and solutions to clients
- 26Reviewing clients' portfolios
- 27Basic financial planning guide
See what to revise next, chapter by chapter
- 700+ RES 5 questions, each with an explanation of the right answer
- Timed mocks of 150 questions in 3 hours, marked against 80%, the higher of the two pass marks
- Practice by chapter: pick any of the 27 chapters, 10 questions a round
- Retest your mistakes: every question you get wrong is saved and comes back until you get it right
- A score for each chapter after every session, with your weakest chapters flagged
- Quick Guide notes for all 27 chapters
A month of RES 5 practice costs less than one re-sit
Pay once, no subscription. Your access runs for the months shown on each plan. SCI charges S$185.30 or more for each RES 5 sitting.
One Paper
Pick a paper and drill it until the pass mark looks easy.
1 month access
Start with this planOne-time payment · Pass Guarantee included
- Every question and mock for the one paper you pick
- Unlimited practice
- Clear, simple explanations for every question
- Pass Guarantee included
Paper Pair
Two related papers on one plan: CM-LIP, CM-CIS, the GI papers, or any pair you choose.
2 months access
Start with this planOne-time payment · Pass Guarantee included
- Every question and mock for both papers in the pair
- Unlimited practice
- Clear, simple explanations for every question
- Pass Guarantee included
New Adviser Pack
The four papers most new life advisers sit, on one plan.
3 months access
Over 30% savings vs. buying separately
Get the bundleOne-time payment · Pass Guarantee included
- Every question and mock for RES 5, M9, M9A and HI
- Unlimited practice
- Clear, simple explanations for every question
- Pass Guarantee included
How to book, study for and pass RES 5
- Hardest CMFAS paper: all 9 papers ranked (2026)
- RES 5 syllabus: Part I and Part II, chapter by chapter
- How long to study for CMFAS: hours for each paper
- How to pass CMFAS: one study method for every paper
- Free CMFAS mock exam questions for all 9 papers (2026)
- CMFAS exam day at SCI: what to bring and expect (2026)
- RES 5 exam traps: how the wording catches you (2026)
- CMFAS exam results: the slip, retakes and what comes next
- How to become a financial adviser in Singapore (2026)
- CMFAS exam fee 2026: what SCI charges for every paper
- What is CMFAS? The Singapore licensing exams explained
- How to pass RES5 in 2026: a 4-week plan for both parts
Free RES 5 tools
Finish two full mocks. Fail, and your next month is free.
Every plan includes the Pass Guarantee. It is on the platform, not buried in fine print, because we would rather earn your result than leave you stuck after a fail.
- 1
Complete at least two full mock exams on the platform.
- 2
If you still don't pass your official exam, email us a photo of your result slip.
- 3
We extend your access by another month, free, so you can go again.
What people ask before they book RES 5
On SCI's exam portal. Create an account, choose the RES 5 paper, pick a date and pay the fee. SCI runs the paper every weekday. Step by step: how to book the RES 5 exam
SCI charges S$185.30 for a weekday sitting before 5pm and S$203.83 after 5pm if you register through an SCI or IBF member company, or S$218.00 and S$236.53 if you do not. Every figure includes GST and the S$21.80 registration fee, weekend sittings cost the after-5pm rate, and a retake costs the same as a first attempt. Figures as listed on scicollege.org.sg on 11 October 2026.
No. SCI doesn't release its exam questions, so nobody can sell you the real ones. Ours follow the 27 chapters of the RES 5 study text and the paper's multiple-choice format, with an explanation on every answer.
700+ questions with an explanation on each, timed mocks of 150 questions in 3 hours, practice by chapter across all 27 chapters, a retest of every question you got wrong, a score for each chapter after every session, and Quick Guide notes for every chapter.
Complete at least two full mock exams on the platform. If you still don't pass your official exam, email us a photo of your result slip. We extend your access by another month, free, so you can go again.
A month on the One Paper plan. Paper Pair gives you two months of any two papers you choose. The New Adviser Pack gives you three months of RES 5, M9, M9A and HI.
No. RES 5 replaced M5 in 2024. The rules overlap, but RES 5 has two pass marks, 75% on Part I and 80% on Part II, and you need both in one sitting. Old M5 notes won't prepare you for that, so study from the current RES 5 text.
Find your weak RES 5 chapters tonight
Start with a timed mock or one chapter. Your scores show what to revise next.