FINANCIAL EDUCATION MODULES

Budgeting

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.

Stretching Your Dollar

This talk aims 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.

Insurance

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 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 Insurance Schemes

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

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.

CareShield Life

This talk focuses on the features and benefits of CareShield Life, which is a CPF health insurance scheme that helps pay for long term care in case of severe disability.

Investing

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.

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 Bonds

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

Singapore Savings Bonds

This talk introduces the Singapore Savings Bonds (SSB) which are issued by the Singapore Government. Learn the features, benefits and how to apply and redeem.

Retirement

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 the benefits and risks of these options.

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.

Importance Of 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 and the Lasting Power of Attorney (LPA).

Steps In Estate Planning

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

Consumer Protection

Beware Of Scams

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

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).

Family and Youth

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.

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.

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 Topics

Financial Resilience During COVID-19 (Public)

This talk aims to help participants deal with the financial challenges presented by the COVID-19 pandemic. It will focus on money management, insurance and will touch on relief provided by the Government, official agencies and financial institutions.

Financial Resilience During COVID-19 (Corporates)

This talk aims to help participants deal with the financial challenges presented by the COVID-19 pandemic. It will focus on money management, insurance, basic investment concepts and will touch on relief provided by the Government, official agencies and financial institutions.