Instruction designed for working adults approaching the middle decades.
Each Merlion Wealth course is structured as a weekly series, with sessions that combine a formal lesson, a workbook segment applied to the participant's own household data, and a moderated group discussion. This sequence — lesson, application, discussion — is repeated each week, building the participant's personal financial document incrementally over the course of the programme.
The courses are designed for sequential study, starting with the household overview and advancing through portfolio construction to a full retirement plan. Participants with a prior foundation may enter at Course 2 or 3, subject to a brief pre-enrolment conversation with the teaching team.
Surveying Household Finances
A six-week course for learners in their forties and older wishing to survey their household finances from a long-horizon perspective. Topics include a personal balance sheet, household cash flow, CPF account overview, retirement timeline review, and a considered look at investment categories. Weekly sessions include a short lesson, a workbook segment, and a moderated group discussion. Each participant finishes with a personal summary document kept for future reference.
Topics covered each week:
- 1Reading your CPF statement: account types, allocation, and what the numbers mean
- 2Building a household balance sheet: assets, liabilities, and net position
- 3Cash flow: income, expenditure, and understanding your savings rate
- 4Investment categories: a factual overview of equities, bonds, cash, and property
- 5Retirement timeline: sketching a broad projection from current position
- 6Completing the personal summary document and reviewing next steps
- Duration6 weeks
- Session formatWeekly, ~2 hours
- Cohort sizeUp to 14 participants
- Fee (SGD)S$425
- Materials includedYes
- PrerequisiteNone
- Duration9 weeks
- Session formatWeekly, ~2.5 hours
- Cohort sizeUp to 14 participants
- Fee (SGD)S$610
- Materials includedYes
- PrerequisiteCourse 1 (or equivalent knowledge)
Equities, Bonds, and Income — An Integrated View
A nine-week course on integrating equity, bond, and income-oriented positions within a single household portfolio. Covers portfolio construction principles, dividend and bond allocations, SGX-listed instruments, fee analysis, and rebalancing approaches. Taught with emphasis on realistic expectations and documentation habits. Each participant reviews a sample portfolio under instructor guidance and finishes with a reference workbook for Singapore-based considerations.
Key topics:
- Portfolio construction: allocation principles and time-horizon considerations
- SGX equities: REITs, blue-chips, and dividend-focused instruments
- Fixed income: Singapore Government Securities, corporate bonds, bond funds
- Fee structures: brokerage, fund management, and total cost of ownership
- Rebalancing: when, how, and the practical implications for a Singapore household
- Sample portfolio review under instructor guidance
Retirement Planning — A Full Review
A ten-week course providing a full review of retirement planning under the Singapore framework — CPF structure and payout tiers, CPF LIFE election mechanics, SRS planning, healthcare coverage, private investment coordination, and the household documentation needed to keep the plan readable by family members. Paced for learners within ten years of retirement. Each participant finishes with a complete household retirement plan document.
Topics covered across ten sessions:
- CPF structure: OA, SA, MA, RA — current balances, payout age, and top-up options
- CPF LIFE: plan selection, Basic vs Standard vs Escalating, election timeline
- SRS planning: contribution strategy, tax relief, and withdrawal considerations
- Healthcare coverage: MediShield Life, Integrated Shield Plans, CareShield Life
- Coordinating private investments with CPF income in retirement
- Retirement documentation: producing a household plan readable by family members
- Duration10 weeks
- Session formatWeekly, ~2.5 hours
- Cohort sizeUp to 14 participants
- Fee (SGD)S$825
- Materials includedYes
- Best suited forWithin 10 years of retirement
Which course fits your current position?
| Feature | Course 1 S$425 |
Course 2 S$610 |
Course 3 S$825 |
|---|---|---|---|
| Household balance sheet | — | — | |
| CPF account overview | — | ||
| SGX portfolio construction | — | — | |
| CPF LIFE election mechanics | — | — | |
| SRS planning | — | — | |
| Healthcare coverage review | — | — | |
| Personal document produced |
If you are uncertain which course to begin with, we suggest starting from Course 1. A brief pre-enrolment conversation can help clarify the right entry point for your situation.
Shared protocols across all three courses.
Annual content update
All three courses are reviewed and updated each year to reflect current CPF policy, SGX data, MAS guidance, and SRS contribution limits.
Participant data handled confidentially
Financial information shared during sessions or submitted through our site is not shared with third parties and is used only to support the participant's learning.
No product referrals
None of the courses reference, recommend, or lead to the sale of a financial product. Instructors receive no referral fees or commissions of any kind.
Cohort size capped at 14
All courses are capped at fourteen participants to maintain the quality of discussion and individual attention within each session.
Between-session access
Participants may submit questions between sessions by email, with responses from the teaching team addressed directly or in the following session.
Workbook completeness review
The final session of every course includes a structured review of each participant's workbook to ensure completeness before the course concludes.
Not sure where to start? We can help you find the right course.
A brief conversation — by phone or email — is usually enough to clarify the right entry point for your financial position and objectives.