Testimonials

"The session was well paced and the instructor ended just on time. The session was informative and we learnt many things about CPF plans that we previously do not know of. There is a good mix of young and more senior participants and I can see that t...

"The session was well paced and the instructor ended just on time. The session was informative and we learnt many things about CPF plans that we previously do not know of. There is a good mix of young and more senior participants and I can see that the more senior participants are asking more questions on retirement while the younger participants are asking less questions. Personally, I agree with the instructor that planning for retirement should start young rather than old and I hope IFL can continue to share and spread this very useful message to all young and old alike."

"I would particularly like to highlight that the onsite sessions are more suitable and an effective delivery method for workshops like these. It encourages participants to ask questions and makes the learning experience better. I noticed our parents ...

"I would particularly like to highlight that the onsite sessions are more suitable and an effective delivery method for workshops like these. It encourages participants to ask questions and makes the learning experience better. I noticed our parents having many personal queries that they did not hold back, and facilitator handled them well. Parents found the information practical, examples cited relatable and useful. SINDA also gave participants a take-home kit that had budget, meal planners, board games such as Monopoly to encourage applying what they learnt in their day to day lives. Facilitator went out of his way to share more about how to use these items and even involve children in the learning process. I would also like to highlight to avoid using 'low-income' when conversing with our parents. Perhaps can use 'financial constraints or challenges instead depending on the context. Thank you once again for the opportunity! We would be delighted to connect for more of such engagements with families next year. Do share with us a programme menu for 2026 that I could take back to my team."

"We found the "Managing CPF Money For Your Retirement" workshop to be highly beneficial for our staff. Mr Soh Chin Heng delivered the content effectively, making complex financial concepts accessible and relevant to our participants. The CPF nomin...

"We found the "Managing CPF Money For Your Retirement" workshop to be highly beneficial for our staff. Mr Soh Chin Heng delivered the content effectively, making complex financial concepts accessible and relevant to our participants. The CPF nomination portion was particularly engaging and proved to be the most interesting segment for our staff. Many participants asked various questions about the nomination process, and Mr Soh was able to address all their queries comprehensively. His expertise and ability to provide clear, practical answers helped our staff better understand this important aspect of CPF planning. The interactive approach throughout the session and Mr Soh's responsiveness to questions created an excellent learning environment. Our participants expressed great appreciation for the valuable insights they gained, particularly regarding CPF nominations and how to properly manage their retirement planning. Thank you for organising this training opportunity for our school."

"Our workshop ran smoothly and I’d like to commend Ferris for being such an engaging speaker! Our staff seem to really enjoy their time."

"Thank you for arranging for Peggy to lead the recent caregiver workshop - Financial Planning For Families With Special Needs. The session was well-delivered and informative, and we truly appreciated the trainer’s expertise and professionalism."

"Overall, the feedback from attendees was very positive. Many expressed that the session was highly informative and inquired about the possibility of future sessions. This event marks the beginning of our collaboration to enhance financial literacy a...

"Overall, the feedback from attendees was very positive. Many expressed that the session was highly informative and inquired about the possibility of future sessions. This event marks the beginning of our collaboration to enhance financial literacy among TTSH Nurses, who number approximately 4,860."

"The general feedback from the seniors for the IFL sessions has been positive. The duration was just right, the information was clear and the trainers were interactive and friendly. Sessions were also conducted on time. We would also like to thank IF...

"The general feedback from the seniors for the IFL sessions has been positive. The duration was just right, the information was clear and the trainers were interactive and friendly. Sessions were also conducted on time. We would also like to thank IFL for the support and arrangements made to have these sessions held at our Centre. We look forward to future sessions soon!"

"Hope the talk can be longer as the speaker was rushing to finish and I feel like a lot of useful content was unable to be expanded upon. But, an enjoyable talk overall; speaker was engaging. Thanks for organising the talks. I also attended the Part ...

"Hope the talk can be longer as the speaker was rushing to finish and I feel like a lot of useful content was unable to be expanded upon. But, an enjoyable talk overall; speaker was engaging. Thanks for organising the talks. I also attended the Part 1 talk."

"Estate planning segment made me think more deeply about how to plan my CPF nominations and monies accordingly. Previously didn't give careful thought about this before."

"Trainer is very knowledgeable."

"The personalised financial health counselling taught me how to manage my spending and save with purpose. The trainer encouraged me to focus on longterm goals instead of short term satisfaction, like spending on bubble tea or unnecessary subscription...

"The personalised financial health counselling taught me how to manage my spending and save with purpose. The trainer encouraged me to focus on longterm goals instead of short term satisfaction, like spending on bubble tea or unnecessary subscriptions. It made me more mindful of my spending habits and to take control of my finances."

"I have learnt so much on Financial Literacy specifically on how I can start now for savings and how protection is important before investing and to always have goals and make sure it is specific. The trainer was very entertaining and very helpful by...

"I have learnt so much on Financial Literacy specifically on how I can start now for savings and how protection is important before investing and to always have goals and make sure it is specific. The trainer was very entertaining and very helpful by making me understand the pros and cons in investing and he made the whole consultation very engaging as well. I got so so much advice in savings protection and investing and to even sort out my goals I also got a reality check with how investing can be risky and not risky sometimes and it depends on what you invest in and how you do it. I also learned about needs and wants and how we go about it. This helped me further by making me actually start saving now and to build up my savings this also made my interest in financial literacy grow."

"Thanks to the Personalised Financial Health Counselling session held at the Institute of Financial Literacy, I learned a lot. I felt that my unique needs were well considered because the trainer knew exactly what I am facing and aiming for. Becau...

"Thanks to the Personalised Financial Health Counselling session held at the Institute of Financial Literacy, I learned a lot. I felt that my unique needs were well considered because the trainer knew exactly what I am facing and aiming for. Because the complex concepts were clearly explained, I gained extra confidence and clarity about managing my financial life. The trainer offered ideas that helped me manage my budget, choose investments, and identify risks right away. Thanks to this session, I can make better financial choices and prepare well for my short-term and long-term aims. If you want personal support to manage your finances, I completely recommend using this financial health counselling service."

"We had the privilege of attending the insightful financial talk on “Building Financial Resilience”, and it was an invaluable experience. The speaker was exceptionally knowledgeable and forthcoming, sharing personal experiences that truly resonated w...

"We had the privilege of attending the insightful financial talk on “Building Financial Resilience”, and it was an invaluable experience. The speaker was exceptionally knowledgeable and forthcoming, sharing personal experiences that truly resonated with the audience. His practical insights on key strategies for financial management were both informative and inspiring. Attendees left with a clearer understanding of how to manage finances effectively and build long-term financial stability. A heartfelt thank you to Institute for Financial Literacy for coordinating and arranging such a fruitful and engaging event. The collaboration was seamless, and we truly appreciate the effort put into making this talk a success. We look forward to working together again in the future."

"In 2023, People’s Association partnered with Institute for Financial Literacy (IFL) to introduce a series of workshops on scam prevention, retirement and estate planning to equip seniors with knowledge to be financially independent and secure, and w...

"In 2023, People’s Association partnered with Institute for Financial Literacy (IFL) to introduce a series of workshops on scam prevention, retirement and estate planning to equip seniors with knowledge to be financially independent and secure, and we are proud to endorse IFL as a valuable partner in our mission to empower and educate our seniors in financial literacy. IFL’s unwavering commitment to providing accessible and practical financial education has greatly benefited our seniors and contributed to their financial well-being. IFL has consistently demonstrated a deep understanding of the diverse needs of our community. Their tailored workshops have equipped our seniors with essential knowledge and skills from making informed decisions against scams, managing their estate correctly, to planning for their retirement with confidence. Furthermore, the IFL’s dedicated team of staff and facilitators has shown exceptional professionalism and expertise in delivering high-quality financial education. Their passion for empowering seniors with financial knowledge is evident in the positive feedback we have received from our seniors who have participated in their programmes. We commend IFL for their outstanding contributions to our community and their commitment to promoting financial literacy. Their collaborative approach and impactful initiatives have undoubtedly made a meaningful difference in the lives of our seniors. PA is grateful for IFL's partnership, and we look forward to continuing our collaboration to further enhance the financial well-being of our seniors in the community."

"Institute of Financial Literacy’s courses have been an invaluable resource on my journey to financial mastery. The instructors’ expertise and engaging teaching style made complex financial concepts easy to grasp. The practical insights gained have e...

"Institute of Financial Literacy’s courses have been an invaluable resource on my journey to financial mastery. The instructors’ expertise and engaging teaching style made complex financial concepts easy to grasp. The practical insights gained have empowered me to make informed decisions and take control of my financial future. I highly recommend these courses to anyone seeking to enhance their financial knowledge and skills."

"After attending the “Managing Your CPF Money for Your Retirement” Talk, I can confidently say that I have gained invaluable insights into how CPF prepares me for retirement. The session delved into crucial considerations for planning my retirement i...

"After attending the “Managing Your CPF Money for Your Retirement” Talk, I can confidently say that I have gained invaluable insights into how CPF prepares me for retirement. The session delved into crucial considerations for planning my retirement income needs, shedding light on the Retirement Sums and CPF interest rates at age 55. Learning about the various CPF LIFE plans and their respective payouts was enlightening, providing clarity on ensuring my financial security post-retirement. Moreover, the discussion on CPF changes announced in Budget 2024 was particularly helpful, as it equipped me with updated information on navigating future adjustments. Lastly, understanding the significance of making a CPF Nomination highlighted the importance of proactive estate planning. Overall, this workshop has empowered me to make informed decisions regarding my CPF funds, ensuring that I can effectively manage my finances for a secure and comfortable retirement. I highly recommend this workshop to anyone seeking clarity and guidance on maximizing his or her CPF benefits."

"The trainers from IFL have done a good job in planning the financial literacy workshops. The topics are relatable to a wide range of audience from young families to senior citizens. The information shared during the workshop was also comprehensive w...

"The trainers from IFL have done a good job in planning the financial literacy workshops. The topics are relatable to a wide range of audience from young families to senior citizens. The information shared during the workshop was also comprehensive with clear illustrations. Highly recommend the workshops for those seeking financial insights and clarifications on Government financial schemes!"

"Speaker provided invaluable insights into the considerations essentials for planning retirement income needs. From analysing current expenses to estimating future healthcare costs, IFL’s resources empowered me to make informed decisions tailored to ...

"Speaker provided invaluable insights into the considerations essentials for planning retirement income needs. From analysing current expenses to estimating future healthcare costs, IFL’s resources empowered me to make informed decisions tailored to my unique circumstances. Starting early by setting aside Retirement sums at 55 was made simple speaker’s clear explanations of interest rates, ensuring steady growth for my savings. Thanks to speaker who gave me a good insight of how CPF works and other ways to grow my CPF."

"Attending the workshop has been invaluable, equipping me with indispensable financial insights and practical strategies. Each session has empowered me to confidently navigate my financial journey. Overall, these workshops have provided me with essen...

"Attending the workshop has been invaluable, equipping me with indispensable financial insights and practical strategies. Each session has empowered me to confidently navigate my financial journey. Overall, these workshops have provided me with essential tools and knowledge to take control of my finances, setting me on a path towards stability, prosperity, and a secure future."

"The workshop has been transformative, offering a comprehensive understanding of financial planning essentials. Armed with practical knowledge and tools from these sessions, I now feel equipped to navigate the complexities of personal finance confide...

"The workshop has been transformative, offering a comprehensive understanding of financial planning essentials. Armed with practical knowledge and tools from these sessions, I now feel equipped to navigate the complexities of personal finance confidently. This experience has not only enhanced my financial literacy but also set me on a path towards achieving my long-term financial goals with clarity and purpose."

"We highly recommend these workshops for anyone seeking practical financial insights. Throughout the session, Paul demonstrated a deep understanding of various financial topics, ensuring participants of all knowledge levels could grasp key princip...

"We highly recommend these workshops for anyone seeking practical financial insights. Throughout the session, Paul demonstrated a deep understanding of various financial topics, ensuring participants of all knowledge levels could grasp key principles. His interactive presentation style encouraged active participation, making the workshop both informative and enjoyable. One of the aspects I appreciated the most was Paul’s emphasis on practical applications. It provided actionable insights and strategies that I can apply in my own financial planning."

"We appreciate IFL for its prompt service and for conducting the workshops on the significance of estate planning and outlining the necessary steps for our staff. IFL’s trainer, both knowledgeable and engaging, has guided our staff in embarking on an...

"We appreciate IFL for its prompt service and for conducting the workshops on the significance of estate planning and outlining the necessary steps for our staff. IFL’s trainer, both knowledgeable and engaging, has guided our staff in embarking on an estate planning journey. Thank you."

"Thank you IFL for conducting the financial literacy workshops and physical Financial Health Clinic (FHC)! Our staff found the content easily digestible and also lauded the 1-on-1 FHCs for its personalisation and unbiased guidance. Looking forward to...

"Thank you IFL for conducting the financial literacy workshops and physical Financial Health Clinic (FHC)! Our staff found the content easily digestible and also lauded the 1-on-1 FHCs for its personalisation and unbiased guidance. Looking forward to more collaborations in the future!"

"Our seniors were enriched by the trainer, Mr Joseph Tan, engaged by HPB. They learnt about the scamming methods and prevention. Seniors complimented on how Mr Joseph conducted the talk in a joy vibe and easy to relate to incidents the senior may hav...

"Our seniors were enriched by the trainer, Mr Joseph Tan, engaged by HPB. They learnt about the scamming methods and prevention. Seniors complimented on how Mr Joseph conducted the talk in a joy vibe and easy to relate to incidents the senior may have encountered."

"We have learned a lot from the talk. IFL has done an excellent job making CPF easy to understand, and that retirement planning is not difficult to do is reassuring. We observed that since the mature group have fewer worries about retirement, they ca...

"We have learned a lot from the talk. IFL has done an excellent job making CPF easy to understand, and that retirement planning is not difficult to do is reassuring. We observed that since the mature group have fewer worries about retirement, they can be more focused on their roles. Thanks, IFL!"

"Just a quick note to thank you and your wonderful colleagues for your sharing on the various financial literacy programs that are suitable and relevant to our needs. The inaugural talk cum workshop on 3 Nov 2022 was a huge success! We look forward t...

"Just a quick note to thank you and your wonderful colleagues for your sharing on the various financial literacy programs that are suitable and relevant to our needs. The inaugural talk cum workshop on 3 Nov 2022 was a huge success! We look forward to having you and your team again this year to do financial health checks, roadshows, as well as to conduct talks fun workshops on niche areas like retirement planning and investments, based on the post-Nov 2022 workshop survey outcome. Kudos and keep up the good work!"

"The content was not only useful to our students, but I believe to our tutors as well. I look forward to future opportunities to collaborate with MoneySense & IFL again."

"I am appreciative of the workshops and courses that IFL have organised for our staff. The content was catered to meet the needs of our officers and the presenters were knowledgeable in their respective fields."

"IFL’s trainers are highly knowledgeable and approachable. We are glad we contacted IFL to start our employees on a journey to financial wellness. We enjoyed seeing everyone sharing what they learned during the workshop with one another."

"Our sincere gratitude goes out to IFL for sharing with our employees how to set financial goals and set budgets wisely. In the company, employees are more confident and this definitely creates a positive atmosphere."

"We would like to take this opportunity to express our sincere thanks to you and your team for coordinating and arranging the recent financial talk. The session was extremely valuable, and our clients gained a great deal of knowledge from Yu Khing on...

"We would like to take this opportunity to express our sincere thanks to you and your team for coordinating and arranging the recent financial talk. The session was extremely valuable, and our clients gained a great deal of knowledge from Yu Khing on financial management and key strategies for strengthening their financial foundation. We truly appreciate the effort that went into making the event a success. It was a pleasure working with you, and we would be delighted to collaborate again in the future. Thank you once again for your support, and we look forward to the possibility of working together again."

"Mr Mahean presented in a clear manner that is very enjoyable. His own personal examples make it easier to understand. The course helps individuals to understand what CPF can offer; helping us to make decisions to also use CPF as a platform for retir...

"Mr Mahean presented in a clear manner that is very enjoyable. His own personal examples make it easier to understand. The course helps individuals to understand what CPF can offer; helping us to make decisions to also use CPF as a platform for retirement."

"I recently participated in the "Budgeting Activity-Based Workshop" organized by the Institute for Financial Literacy (IFL), a joint initiative of MoneySense and Singapore Polytechnic International. The workshop proved to be an insightful experience,...

"I recently participated in the "Budgeting Activity-Based Workshop" organized by the Institute for Financial Literacy (IFL), a joint initiative of MoneySense and Singapore Polytechnic International. The workshop proved to be an insightful experience, equipping me with practical knowledge and tools to manage my finances effectively. The workshop helped me understand the importance of setting S.M.A.R.T. financial goals and creating a budget that aligns with those goals. It emphasized the significance of saving before spending and maintaining an emergency fund to cover 3-6 months of expenses. A key takeaway for me was the "50/30/20" budgeting guideline, suggesting the allocation of 50% of income to essential items, 30% to lifestyle choices, and 20% to savings and investments. This simple yet effective strategy has enabled me to prioritize my spending and make informed financial decisions. I would highly recommend this workshop to anyone seeking to enhance their financial literacy and planning skills. The IFL's "Budgeting Activity-Based Workshop" empowers individuals with the knowledge and tools necessary to make informed financial choices and achieve their financial goals."

"I recently had the pleasure of attending the "Budgeting Activity-Based Workshop" conducted by the Institute for Financial Literacy (IFL), a collaborative effort between MoneySense and Singapore Polytechnic International. This workshop proved to be a...

"I recently had the pleasure of attending the "Budgeting Activity-Based Workshop" conducted by the Institute for Financial Literacy (IFL), a collaborative effort between MoneySense and Singapore Polytechnic International. This workshop proved to be an invaluable resource for enhancing my understanding of personal finance. The workshop provided me with practical strategies to manage my finances more effectively. I gained insights into setting S.M.A.R.T. financial goals, creating a budget that aligns with my goals, and prioritizing savings. The emphasis on maintaining an emergency fund to cover 3-6 months of expenses was particularly insightful. A key takeaway for me was the "Pay Yourself First" (PYF) principle, which encourages setting aside a portion of income for savings before allocating funds for spending. This simple yet powerful habit has transformed my approach to saving and budgeting. I wholeheartedly recommend this workshop to anyone seeking to improve their financial literacy and planning skills. The IFL's "Budgeting Activity-Based Workshop" offers practical guidance and tools to empower individuals in their financial journey."

"The workshop I attended was Budgeting activity workshop. The workshop was easy to understand as a beginner, it showcased all the steps associated with the proper definition of financial literacy terms and with activities that help us better understa...

"The workshop I attended was Budgeting activity workshop. The workshop was easy to understand as a beginner, it showcased all the steps associated with the proper definition of financial literacy terms and with activities that help us better understand our current financial situation. Enabling us to make a better calculated decision to help us achieve our financial goals. Setting S.M.A.R.T financial goals, let’s say I want to save $1500 for a new phone. The financial goals help me to understand what steps to take to buy my new phone. I would recommend the workshop for people who are looking to improve their financial literacy to help them better manage their money to achieve their financial goals"

"I recently had the opportunity to attend the Financial Literacy Workshop which has made me more aware of different ways I could save and budget the huge jump of income I would be getting. One key takeaway I had was the 50/30/20 rule where you spend ...

"I recently had the opportunity to attend the Financial Literacy Workshop which has made me more aware of different ways I could save and budget the huge jump of income I would be getting. One key takeaway I had was the 50/30/20 rule where you spend 50% on needs, 30% on wants and save 20%. I would definitely recommend this workshop to others as it can help others gain more understanding of how saving a little will result in a huge impact."

"Once again, would like to thank Mr Joseph for his inspiring and fruitful sharing. I believe the participants enjoyed the session and have gained better knowledge and methods to budget their finances."

"Workforce Singapore has closely collaborated with IFL to deliver regular financial literacy seminars, a partnership that has been pivotal in empowering local jobseekers. The feedback from participants has been positive. Several participants shared t...

"Workforce Singapore has closely collaborated with IFL to deliver regular financial literacy seminars, a partnership that has been pivotal in empowering local jobseekers. The feedback from participants has been positive. Several participants shared that the seminar greatly enhanced their understanding of financial topics, thanks to the trainers' comprehensive coverage and effective delivery. Overall, IFL’s expertise and resources have been invaluable in helping our participants tackle financial planning challenges, especially during their job search journey."

"Thank you to your team for giving us the opportunity to enrich ourselves by attending the CPF (Recruitment) workshop. I would also like to thank the trainer, Ferris Wee, for his excellent facilitation. Everyone was delighted and motivated after hear...

"Thank you to your team for giving us the opportunity to enrich ourselves by attending the CPF (Recruitment) workshop. I would also like to thank the trainer, Ferris Wee, for his excellent facilitation. Everyone was delighted and motivated after hearing his delivery and explanations."

"The talk was very informative and Maheantharan was very engaging. In addition to the information that was shared during the talk, Maheantharan also shared with the audience very useful resources that we can easily access. The summary and overview of...

"The talk was very informative and Maheantharan was very engaging. In addition to the information that was shared during the talk, Maheantharan also shared with the audience very useful resources that we can easily access. The summary and overview of the various aspects of estate planning (CPF nomination, will, LPA, etc.) was especially helpful in putting things into context, which also gave us valuable advice, especially for those who have been thinking about it but do not know where or how to start."

"IFL’s Financial Literacy course is immensely helpful to me in teaching me how to manage my finances through a variety of strategies. Even though I had little to no prior experience dealing with matters regarding finance, the knowledgeable and patien...

"IFL’s Financial Literacy course is immensely helpful to me in teaching me how to manage my finances through a variety of strategies. Even though I had little to no prior experience dealing with matters regarding finance, the knowledgeable and patient trainers were ready to answer any questions I posed, which added a touch of personalisation to the course. With enthusiastic trainers, informative videos, and interactive quizzes, the course was engaging yet educational. There was also a plethora of online resources for managing finances introduced, so I could take a step further into researching and planning my financial pathway, as well as learn more about investing safely and responsibly. I would highly recommend IFL’s Financial Literacy course to anyone interested in learning more about finance management, especially those who want to grasp a financially secure future in their own hands."

"I attended the Financial Literacy Course conducted by IFL. The workshop has benefitted me tremendously, from MAS regulations on cryptocurrencies to prioritising my funds. It has allowed me to have a clearer insight into how I should be setting aside...

"I attended the Financial Literacy Course conducted by IFL. The workshop has benefitted me tremendously, from MAS regulations on cryptocurrencies to prioritising my funds. It has allowed me to have a clearer insight into how I should be setting aside my pay/allowance. On top of that, the one key takeaway that I had from the session is the importance of planning & prioritising financially. I would recommend the workshop to others, especially people around my age as this would give them the insight they would require as they enter the adulting world."

"All our staff find the IFL Talks very educational and the content very relevant and informative too. The trainers are very professional and engaging. All the attendees enjoyed both sessions very much. We are looking forward to work with IFL in the c...

"All our staff find the IFL Talks very educational and the content very relevant and informative too. The trainers are very professional and engaging. All the attendees enjoyed both sessions very much. We are looking forward to work with IFL in the coming years. Thank you very much for sharing the slides with us. Deeply appreciated."

"In general the caregivers found the session informative, and Jasmine was helpful in trying to address their queries even though it was outside of the scope."

"We would like to express our sincere gratitude to Yu Khing for his exceptional training session. His knowledge, humor, and practical advice made the session both enjoyable and enlightening. His ability to connect with the audience and answer questio...

"We would like to express our sincere gratitude to Yu Khing for his exceptional training session. His knowledge, humor, and practical advice made the session both enjoyable and enlightening. His ability to connect with the audience and answer questions thoughtfully was truly impressive. We are thankful for his time and expertise."

"We would like to express our sincere gratitude to all the trainers involved. Their wealth of experience and expertise greatly enriched each session, allowing them to address participants' questions comprehensively. Thanks again for arranging these s...

"We would like to express our sincere gratitude to all the trainers involved. Their wealth of experience and expertise greatly enriched each session, allowing them to address participants' questions comprehensively. Thanks again for arranging these sessions for CPFB."

"The digital financial literacy talk was engaging and informative. We particularly appreciated learning about the various online tools available to help us make better financial decisions. The speaker demonstrated a thorough knowledge of the subject ...

"The digital financial literacy talk was engaging and informative. We particularly appreciated learning about the various online tools available to help us make better financial decisions. The speaker demonstrated a thorough knowledge of the subject matter and adeptly addressed our questions. Overall, it was a valuable and enlightening session."