Cendana · Programmes
Three Programmes, Each Designed for a Different Starting Point
Whether you are beginning to think about your finances for the first time in years, or looking for a thorough review of a picture you already understand in outline, there is a Cendana programme that fits.
Return to Home§ I — Our Approach
How All Three Programmes Are Structured
All Cendana programmes share a common philosophy: financial understanding comes through repeated, considered engagement with ideas, not through a single concentrated session. Each programme is therefore structured across multiple meetings rather than compressed into a single day.
The gap between sessions is deliberate. It gives participants time to re-read the printed booklet, discuss what they have heard with a spouse or family member, and come to the next session with questions that have had time to form properly.
No programme involves any element of sales. Facilitators do not recommend specific financial products, platforms or providers. Where a participant's situation clearly calls for regulated financial advice, the facilitator will say so clearly and may suggest the types of professional to consult — but will not make a referral on any commercial basis.
Enrol and Confirm
Choose a programme and cohort date. Pay the fee and receive your place confirmation and preparatory notes by post.
Attend the Sessions
Sessions run on the confirmed dates at our South Bridge Road premises. The printed booklet is issued at the first session.
Follow Up and Reflect
After the final session, email access to the facilitator remains open for four weeks. Use this time to ask questions that arose from re-reading the booklet.
Proceed as You Choose
There is no obligation to continue with further programmes. Many participants find that one programme gives them what they needed; others return at a later stage.
§ II — Programme One
Programme Fee
SGD 280
Duration
Three sessions
Group Size
Maximum 8 participants
Foundations Conversation Series
Three-Session Introduction
A short three-session introduction for those who would like to begin thinking about their household finances at this stage of life without committing to a longer course up front. Held in small groups of eight in a comfortable seminar room near the city centre, with light refreshments and a printed booklet to take home.
Session one is a calm review of household cash flow and balance sheet. Session two looks at the basics of CPF and the difference it makes from age fifty-five onward. Session three considers what one might want from the next twenty to thirty years and how the financial picture might support that.
What This Programme Covers
- Household cash flow: what comes in, what goes out, and what the picture reveals
- Balance sheet basics: assets, liabilities and what the household is actually worth
- CPF from age fifty-five: Retirement Account formation, CPF Life options
- The longer view: what the financial picture might look like at sixty-five and beyond
- Questions worth raising with one's bank or financial planner
Best suited to those who have not examined their household finances in detail recently and would like a calm starting point.
§ III — Programme Two
The Considered Investor
Seven-Week Course
A seven-week course for those in their forties or fifties who would like to learn enough about investing to converse confidently with a bank relationship manager or to manage a portion of their own household savings. Limited to sixteen participants per cohort.
The course covers what one is actually buying when one purchases a unit trust, the differences between index and active funds, the use of platforms available to Singapore residents, the question of fees over a thirty-year horizon, and the careful matter of asset allocation when one has fewer working years remaining than one had at thirty.
What This Programme Covers
- What a unit trust actually holds and how it earns (or loses)
- Index funds versus active management: a careful, evidence-based comparison
- Investment platforms available to Singapore residents: an honest account
- How fees compound over a thirty-year horizon and why this matters
- Asset allocation for people with fewer than twenty working years remaining
- The SRS: what it is, who it suits and how to use it
Best suited to those with some savings already set aside and a desire to understand their options before deciding how to deploy or rebalance them.
Programme Fee
SGD 440
Duration
Seven sessions over seven weeks
Group Size
Maximum 16 participants
§ IV — Programme Three
Programme Fee
SGD 740
Duration
Four sessions over ~six weeks
Format
Bespoke, for the household
Written Summary
Included
The Private Household Review
Four-Session Bespoke Programme
A four-session bespoke programme designed for households who would like a calm, thorough review of their financial picture conducted across roughly six weeks. This programme is educational rather than advisory — its purpose is to leave the household better equipped to understand its own affairs rather than to recommend particular financial products.
The first session gathers the household papers; the second considers cash flow and protection; the third explores investments and the longer horizon; the fourth produces a written household summary with notes on questions worth raising with one's accountant, lawyer or banker.
What This Programme Covers
- Session 1: Household documents review — assets, liabilities, insurance policies, CPF statements
- Session 2: Cash flow analysis and protection — income, expenses, life and health coverage gaps
- Session 3: Investments and the longer horizon — current holdings, risk profile, time considerations
- Session 4: Written household summary and adviser questions — a document to keep and share
Best suited to households who want a thorough, private engagement with their own financial picture, usually as preparation for working more effectively with their professional advisers.
§ V — Which Programme?
Choosing the Right Programme for Your Household
Each programme is designed for a different starting point. This comparison may help you decide which fits your household best.
| Feature | Foundations | Considered Investor | Household Review |
|---|---|---|---|
| Programme fee | SGD 280 | SGD 440 | SGD 740 |
| Format | Group (≤8) | Group (≤16) | Bespoke household |
| Number of sessions | 3 | 7 | 4 |
| Covers CPF basics | |||
| Investing content | |||
| Uses household's own documents | |||
| Written household summary provided | |||
| Printed booklet included | |||
| Post-programme email access (4 weeks) |
Best for
Foundations
Those who are beginning to engage with their finances after a period of not thinking about them carefully.
Best for
Considered Investor
Those who want to understand investing well enough to make informed decisions about their savings.
Best for
Household Review
Those who want a complete, private picture of their own household's finances and a document to take to their advisers.
§ VI — Programme Standards
Protocols Shared Across All Programmes
Privacy and Document Handling
Personal financial documents shared in the household review programme are handled according to a written protocol and are not retained after programme completion.
Annually Reviewed Materials
All programme booklets and facilitator notes are reviewed and updated at least once a year by the full facilitation team to reflect changes in Singapore's financial landscape.
Post-Programme Facilitator Access
Every programme includes four weeks of email access to the lead facilitator after the final session, available for questions arising from re-reading the materials.
No Product Recommendations
Facilitators do not recommend specific financial products, platforms or providers in any programme. All content is educational rather than advisory.
Participant Feedback Review
Written feedback is collected after every session. The facilitation team reads all comments and uses them when preparing subsequent sessions and future cohorts.
Facilitator Continuing Education
Each facilitator undertakes structured continuing education annually to remain current with CPF rules, investment regulations and other developments relevant to Singapore residents.
§ VII — Fees
Clear, Inclusive Pricing
Each fee is all-inclusive. There are no additional materials to purchase, no premium tiers within the programme, and no expectation that you will continue to further programmes afterwards.
Programme One
Foundations Conversation Series
SGD 280
per person · three sessions
- Three structured sessions
- Printed booklet
- Light refreshments
- Four weeks email access
Programme Two
The Considered Investor
SGD 440
per person · seven sessions
- Seven structured sessions
- Printed course booklet
- Light refreshments
- Four weeks email access
Programme Three
The Private Household Review
SGD 740
per household · four sessions
- Four bespoke sessions
- Written household summary
- Printed booklet
- Four weeks email access
§ VIII — Enquire
Not Sure Which Programme Suits Your Household?
A short telephone conversation is usually enough to identify the right starting point. Call the office or send a note and we will respond within one working day.
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