FINANCIAL EDUCATION MODULES

Money Management

Making Sense Of Your Money

Learn to set S.M.A.R.T. financial goals and calculate how much you need for each goal. Learn how to develop a budget to track your spending and build savings. You will also understand how compound interest can impact your savings and borrowing, and what to look out for when buying on instalment.

Financial Planning Begins Now

Learn how to build a financial plan using savings, insurance and investments to achieve your goals. Assess your financial position through analysis of your cashflow, net worth and financial ratios.

Financial Planning For The Self-Employed

This module aims to teach participants how to measure their financial fitness, draw up a budget, manage their healthcare costs and plan early for their retirement.

Basics of Money Management

This workshop is conducted specially for low-wage workers. Participants are taught how to track their spending and to stretch their dollar. They will also learn the importance of savings and budgeting, and the basic CPF Insurance schemes.

Understanding Loans And Credit

Assess if you are borrowing too much. Discover the common types of loans and their associated costs. Learn to manage your borrowing and to resolve debt issues.

Digital Financial Literacy

Learn the importance of digital financial literacy and how digital financial tools can help you to make better financial decisions.

Building Financial Resilience

This workshop focuses on understanding what is meant by financial resilience especially during periods of financial stress such as higher prices and borrowing cost. It provides learners with both the knowledge and tools to build and improve financial resilience and adaptability.

Insurance

Understanding Life Insurance

Learn how to assess your life insurance needs. Understand the feastures of the various types of life insurance policies which are term, whole life, endowment and investment-linked policies. Find out about Direct Purchase Insurance (DPI) and learn how to use online portal compareFIRST to compare and select life insurance products.

Understanding Basic Health Insurance

Learn about the various types of health insurance policies and the meaning of common terms such as policy limits, exclusions and deductibles. Find out about the CPF schemes that provide basic health insurance cover such as MediShield Life, ElderShield and CareShield Life.

Planning For Long Term Care

This workshop covers costs and care options for families with members who need long term care. Also covered are funding sources such as Government subsidies, CareShield Life and long-term care financing support schemes. Participants will also learn about Lasting Power of Attorney (LPA).

Do I Need Every Type of Insurance?

Learn how to assess your insurance needs and determine if there is a shortfall. Understand the features of various types of insurance policies to better meet your needs.

Investing

Introduction To Personal Investing

Learn basic concepts and considerations when investing. Understand the features and risks of common financial products. You will also learn about investment strategies and how to construct an investment portfolio based on your financial needs and risk appetite.

Understanding Bonds

Learn about types of bonds, their features and benefits and risks of bond investing. Understand credit ratings, the relationship between bond prices, interest rates and yields and learn about the Singapore Savings Bonds.

Fundamentals Of Share Investing

Understand the different strategies for investing in shares and how to screen companies using their financial statements. Learn the different approaches to valuing shares for example Price-Earnings and Dividend Discount Models.

Understanding Real Estate Investment Trusts (REITs)

Understand the types of REITs and their benefits and risks. Learn about factors to consider when investing in REITs such as how REITs can be valued and what affects their performance. Also learn how to select a REIT.

Financial Habits And Behaviour

Understand why we take mental shortcuts in our thinking and decision-making and how it affects our financial planning. Learn how we can mitigate the effects of mental short cuts and how our minds can hinder or help in investment decisions and money management.

Retirement

Building Your Nest Egg

Learn the basic steps in retirement planning. The content includes the use of retirement calculators to determine your retirement income needs. Also learn the options for dealing with projected shortfalls and for building your retirement income.

Managing CPF Money For Your Retirement

How does CPF prepare you for retirement? How much do you want your payout to be? Will you outlive your savings? This module will answer these questions. You will gain a better understanding of how CPF works, what happens at age 55 and the various CPF Life plans available at age 65. You will also learn about the CPF nomination schemes.

Enrich Your Golden Years

Learn how to plan your finances during your retirement years to ensure that your desired lifestyle can be sustained. Understand how CPF prepares you for retirement, options to supplement CPF Life payouts and the importance of health insurance.

Introduction To Estate Planning

Understand the purpose, importance, considerations and ways of distributing your assets according to your wishes. Also covered is distribution according to the Intestate Succession Act. You will also learn about wills, nominations, trusts and the Lasting Power of Attorney (LPA).

Planning for Retirement

Learn how to prepare yourself for a comfortable retirement. Understand the basics of retirement planning and factors you need to consider when planning your retirement. Learn how to build your retirement fund through CPF and investing and protect your healthcare needs through insurance. Know how you can plan ahead with CPF nominations and the Lasting Power of Attorney.

Consumer Protection

Is The Deal Too Good To Be True?

Learn to identify types of unregulated investment schemes and possible scams. Learn about unfair sales practices and your rights under the Consumer Protection (Fair Trading) Act (CPFTA) and the Lemon Law. This workshop will also cover the lease, sale and purchase of property, the role of the Council for Estate Agencies (CEA) and the role of Financial Industry Disputes Resolution Centre (FIDReC).

Family and Youth

Buying A Home Within Your Means

This module addresses the following questions: Why do people want to buy a home? What are their housing options? And how should they go about it?

Starting A Family

Learn how to plan your finances as a couple and how to budget for your first home, expenses when having children and taking care of medical needs. Also find out about available government subsidies, leave schemes and tax benefits for parents.

MoneySense For Your Child

This module aims to teach participants the importance of inculcating good financial habits from young. It covers ways that can help to give children money sense such as teaching and modelling healthy financial habits and budgeting.

Financial Planning For Couples

Learn how to draw up a financial plan as a couple and take steps to ensure your family is in good financial health by saving, having sufficient insurance and investing. You will also be taught how to budget for your new home and to plan ahead by making a Lasting Power Attorney (LPA) and CPF Nomination.

Other Workshops

Financial Planning For Families With Special Needs

Learn how to assess the amount needed for families with special needs members. If there is a shortfall after taking into account their current resources, participants are taught how to close the gap. They also learn the basics of estate planning.

Financial Planning For Employees In Transition

This module is for employees who are being and/or have been retrenched. Learn about financial planning and how to review your current financial position. Learn how to manage your finances by reviewing your spending and setting a budget. Also, learn how to avoid and reduce debt.

Budgeting (ABW)

This activity-based workshop aims to enable you to set S.M.A.R.T. financial goals and develop a budget by tracking your spending. You will also understand your spending patterns and learn how to reduce expenses.

Stretching Your Dollar (ABW)

This activity-based workshop shows you how you can regain control of your spending, reduce and convert your expenses into additional savings over time.

Measuring Your Financial Fitness (ABW)

Learn how to assess your financial position through analysis of your cashflow, net worth and financial ratios.

Implementing Your Financial Plan (ABW)

This activity-based workshop aims to provide an overview of financial plans; namely savings, insurance and investments and how they can help you achieve your financial goals.

Building Financial Resilience (ABW)

This activity-based workshop focuses on what is meant by financial resilience and its importance as a life skill.

Understanding Loans And Credit (ABW)

In this workshop, you will learn how to assess if you are borrowing too much and the common types of loans and their associated costs.

Insurance

Assessing Your Insurance Needs (ABW)

Learn how to identify your life insurance needs and use recommended guidelines to assess how much coverage you need.

Types of Life Insurance (ABW)

This activity-based workshop aims to help you understand the different types of life insurance. You will be taught how to select life insurance products that meet your objectives.

Types of Health Insurance (ABW)

This workshop aims to educate the participants about the various types of health insurance policies and the meaning of common terms such as policy limits, exclusions and deductibles.

CPF Health Insurance Schemes (ABW)

Learn about the CPF schemes that provide basic health insurance cover such as MediShield Life, ElderShield and CareShield Life.

Investing

Considerations When Investing (ABW)

This activity-based workshop aims to help you understand basic concepts and considerations when investing. Learn about investment strategies that can help you manage your risk. You will also learn how you can assess your risk appetite.

Major Financial Products (ABW)

This activity-based workshop aims to help you understand the features and risks of some major financial products. You will also learn about investment strategies and how to construct an investment portfolio based on your financial needs and risk appetite.

Financial Habits & Behaviour (ABW)

This activity-based workshop is designed to help participants understand why we take mental shortcuts in our thinking and decision-making and how it affects our financial planning. Learn how we can mitigate the effects of mental short cuts and how our minds can hinder or help in investment decisions and money management.

Basics of Personal Investing (ABW)

This workshop is an introduction to the basics of personal investing. At the end of the workshop, you will be aware of fundamental basic investing concepts such as risk-return trade-offs, diversification, dollar cost averaging, and considerations every investor should bear in mind as they embark on their maiden investing journey.

Retirement

Planning for Retirement (ABW)

Learn how to prepare yourself for a comfortable retirement. Learn how to build your retirement fund through CPF and investing. Also learn how to protect your healthcare needs through insurance, and plan for your welfare and legacy with the Lasting Power of Attorney and CPF nominations.

Assessing Your Retirement Income Needs (ABW)

In this workshop, you will learn the basic steps in retirement planning. The content includes the use of retirement calculators to determine your retirement income needs.

Options to Build Your Retirement Income (ABW)

In this workshop, you will learn the possible options to help you achieve your retirement goals, and their benefits and risks.

Importance of Estate Planning (ABW)

Understand the purpose, importance, considerations and ways of distributing your assets according to your wishes in this workshop.

Steps In Estate Planning (ABW)

This workshop covers the objectives and basic steps in estate planning, as well as the different means of distributing your assets.

Managing CPF Money For Your Retirement (ABW)

In this workshop, you will gain a better understanding of how CPF prepares you for your retirement, what happens at age 55 and the various CPF Life plans available at age 65.

Family & Youth

MoneySense For Your Child (ABW)

This activity-based workshop aims to provide parents with the knowledge to teach their children the importance of inculcating good financial habits from young.

Buying A Home Within Your Means (ABW)

This activity-based workshop will help you to understand the objectives of buying a property. You will learn the various costs in buying a home, how to assess your resources and calculate how much you can afford to spend on the property, before deciding on an appropriate property.

Youths - Be Smart with Your Money! (ABW)

This activity-based workshop educates youths on how to better manage their money effectively.

Youths - Owe Money? Pay More Money! (ABW)

This activity-based workshop educate youths on debt management principles.

Youths - Grow Your Money! (ABW)

This workshop educates youths on how to grow their money in a safe way.

Youths - Protect Yourself! (ABW)

This activity-based workshop educates youths on the purpose, importance and considerations of insurance. It also teach the participants how to protect themselves from scams.

Money Management for Youths (ABW)

This workshop will help participants identify what is their relationship when it comes to money, are they developing positive or at risk of negative habits. With positive habits and money relationships participant will then learn how to set SMART financial goals and set actionable plans – including using tools for budgeting and spending management - to achieve these goals. Participants will also appreciate how compounding works to boost savings and while being alerted to common financial pitfalls like over-reliance on debt and spending schemes like Buy-Now-Pay-Later.

Consumer Protection

Beware of Scams (ABW)

Activities to identify types of scams and unregulated investment schemes, and how scammers prey on our biases.

When The Deal Turns Sour (ABW)

This activity-based workshop covers hands-on activities and case studies on unfair sales practices, your rights under the Consumer Protection (Fair Trading) Act (CPFTA) and the Lemon Law, and who you can turn to in the event of disputes.

Other Activity-based Workshops

Financial Planning for Employees in Career Transitions (ABW)

This module is for employees who are being or have been retrenched or transitioning to alternative careers to be prepared for the financial implications impacting their short term as well as longer term financing situations.

Budgeting

This talk aims to enable you to set S.M.A.R.T. financial goals and develop a budget by tracking your spending. You will also understand your spending patterns and learn how to reduce expenses.

Stretching Your Dollar

This talk aims to teach you how to reduce your expenses and convert them into savings. You will also understand how compound interest can impact your savings and borrowing, and what to look out for when buying on instalment.

Measuring Your Financial Fitness

Learn how to assess your financial position through analysis of your cashflow, net worth and financial ratios.

Implementing Your Financial Plan

This talk aims to provide an overview of financial plans; namely savings, insurance and investments and how they can help you achieve your financial goals.

Understanding Loans and Credit

Assess if you are borrowing too much. Discover the common types of loans and their associated costs. Learn to manage your borrowing and to resolve debt issues.

Digital Financial Literacy

Learn the importance of digital financial literacy and how digital financial tools can help you to make better financial decisions.

Building Financial Resilience

This talk focuses on what is meant by financial resilience and its importance as a life skill. It aims to equip participants with the knowledge on managing key components of building financial resilience, such as managing with inflation/higher prices, how to prioritise your debt to manage higher borrowing cost, estimating your life and critical illness insurance needs, insulating from scams, and improving your skills to build resilience in employability.

Financial Planning for Women

This talk will help participants better understand and manage financial planning matters unique to women and recommends ways to overcome some of these challenges.

Insurance Adequacy

Assessing Your Insurance Needs

Learn how to use a life insurance calculator to assess how much coverage you need and the considerations when selecting suitable products. You will also learn how to use online portal compareFIRST to compare and select life insurance products.

Types of Life Insurance

This talk aims to help you understand the various types of life insurance which are term, whole life, endowment and investment-linked products. You will be taught how to select life insurance products that meet your objectives.

Types of Health Insurance

Learn about the various types of health insurance policies and the meaning of common terms such as policy limits, exclusions and deductibles.

CPF Health Insurance Schemes

Learn about the CPF schemes that provide basic health insurance cover such as MediShield Life, ElderShield and CareShield Life.

Planning For Long Term Care

This talk covers costs and care options for families with members who need long term care. Also covered are funding sources such as Government subsidies, CareShield Life and long-term care financing support schemes. Participants will also learn about Lasting Power of Attorney (LPA).

Investing

Understanding Exchange Traded Funds (ETFs)

Understand what are ETFs, their structure and the types. Learn the risks and benefits of investing in ETFs and how they can form part of your investment portfolio to provide diversification benefits at lower cost.

Understanding Real Estate Investment Trusts (REITs)

Understand the types of REITs and their benefits and risks. Learn about factors to consider when investing in REITs such as how REITs can be valued and what affects their performance. Also learn how to select a REIT.

Understanding Bonds

Learn about types of bonds, their features and benefits and risks of bond investing. Also learn about the Singapore Savings Bonds.

Considerations When Investing

This talk aims to help you understand basic concepts and considerations when investing. Learn about investment strategies that can help you manage your risk. You will also learn how you can assess your risk appetite.

Major Financial Products

This talk aims to help you understand the features and risks of some major financial products. You will also learn about investment strategies and how to construct an investment portfolio based on your financial needs and risk appetite.

Financial Habits and Behaviour

Understand why we take mental shortcuts in our thinking and decision-making and how it affects our financial planning. Learn how we can mitigate the effects of mental short cuts and how our minds can hinder or help in investment decisions and money management.

Retirement Planning

Assessing Your Retirement Income Needs

Learn the basic steps in retirement planning. The content includes the use of retirement calculators to determine your retirement income needs.

Options to Build Your Retirement Income

Learn the possible options to help you achieve your retirement goals and their benefits and risks.

Managing CPF Money for Your Retirement

How does CPF prepare you for retirement? How much do you want your payout to be? Will you outlive your savings? This module will answer these questions. You will gain a better understanding of how CPF works, what happens at age 55 and the various CPF Life plans available at age 65. You will also learn about CPF nomination.

Importance of Estate Planning

Understand the purpose, importance, considerations and ways of distributing your assets according to your wishes in this workshop. Also covered is distribution according to the Intestate Succession Act and planning ahead with the Lasting Power of Attorney (LPA).

Steps in Estate Planning

This talk covers the objectives and basic steps in estate planning, as well as the different means of distributing your assets.

Consumer Protection

When The Deal Turns Sour

Learn about unfair sales practices and your rights under the Consumer Protection (Fair Trading) Act (CPFTA) and the Lemon Law. This talk will also cover the lease, sale and purchase of property, the role of the Council for Estate Agencies (CEA) and the role of Financial Industry Disputes Resolution Centre (FIDReC).

Beware of Scams

Learn to identify types of unregulated investment schemes and possible scams.

Hello Seniors, Goodbye Scammers

Learn about the common scams that seniors fall prey to and how to prevent ourselves from online scams.

Family and Youth

MoneySense For Your Child

This module aims to provide parents the knowledge to teach their children the importance of inculcating good financial habits from young. It covers ways that can help to give children money sense such as teaching and modelling healthy financial habits and budgeting.

Baby And Child Support Schemes

This talk aims to help you plan your family finances as a couple, with an emphasis on government subsidies and tax benefits offered to help defray the cost of having children in Singapore.

Money Management For Youths

Learn useful money management skills and concepts as well as understand important government schemes. Learn how to use basic financial products and services to help you manage your money.

Buying A Home Within Your Means

This module addresses the following questions: Why do people want to buy a home? What are their housing options? And how should they go about it?

Buying Your First HDB Home

This talk aims to help you budget for your first HDB home by considering one-time and recurring costs. Learn about first-timer CPF Housing Grants and compare loans offered by HDB and banks.

Grow Your Money! CPF

This Talk educates youths on the CPF accounts and their purposes. They will learn about their employment rights of mandatory CPF contributions, understand how CPF helps grow their savings with the power of compound interest and how to increase it further by doing cash top-ups.

Grow Your Money! Investing

This Talk educates youths on how to grow their money in a safe way. They will learn how to start investing simply with Singapore Savings Bonds.

Protect Yourself! Insurance

This Talk educates youths on the purpose and categories of insurance. They will also be taught on the considerations when buying insurance including how to assess their insurance needs and affordability before they commit to buying.

Build Your Assets! Housing (HDB)

This Talk educates youths on the decision-making process when buying a home. They will learn how to assess their affordability, set a housing budget when buying a home and compare financing options.

Other Talks

Financial Planning For Employees In Career Transition

This talk is for participants who are either transitioning to alternative careers, leaving a job and/or embarking on self-employment. It aims to prepare you for the financial implications, both short-term as well as longer-term owing to change in your circumstances.