FINANCIAL EDUCATION MODULES

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.