The Ledger — Programmes
Three Courses. A Considered Sequence.
Each programme addresses a distinct stage of personal financial understanding — from a first careful look at your own finances, to constructing an income position, to planning and documenting your retirement.
Return to HomeOur Approach
How Every Seruan Finance Course is Structured
Each course follows a consistent rhythm: a short weekly reading or case study, followed by a live discussion session with the instructor and cohort. Sessions run for approximately ninety minutes and are designed to allow genuine questions, not just comprehension checks.
Participants keep a course notebook and are encouraged to record questions between sessions. The instructor reviews these before each meeting and addresses them alongside the prepared material. This means the pace adapts to where the cohort actually is — not where an abstract participant profile might be.
Every course concludes with a personal document created by each participant with the instructor's guidance. This document forms the practical outcome of the course and is designed for continued use beyond the final session.
Weekly Reading
A short text, case study, or data document sent before each session.
Live Discussion
Ninety-minute session with instructor and cohort — in person or online.
Participant Notes
A personal notebook kept throughout — reviewed by the instructor between sessions.
Final Document
A written personal reference completed in the final session and kept by the participant.
A Considered First Look at Personal Finance
An unhurried introductory course for learners in their forties and older opening a careful first look at personal finance. Topics include the personal balance sheet, household cash flow, CPF account overview, and an initial view of investment categories. The pace is deliberately slow and assumes no prior study.
Each participant finishes the course with a personal summary document held for their own records. Suitable for those returning to the topic after years of other priorities.
What the Course Covers
- Personal balance sheet construction and interpretation
- Household cash flow analysis
- CPF Ordinary, Special, MediSave, and Retirement Account overview
- First view of investment categories available in Singapore
- Personal finance summary document (kept by participant)
How the Five Weeks Unfold
Where am I now — constructing a personal balance sheet from available documents
Cash flow — what enters and leaves the household, and what that means over time
CPF — a careful reading of the four accounts and how they interact
Investment categories — a first, unrushed look at what is available and what each involves
Summary session — completing the personal document and reviewing what has been learned
Course Fee
S$170
All materials and personal document included
Income Planning with Local Instruments
A seven-week course on constructing an income-oriented position using instruments available to Singapore residents — dividend-paying equities, REITs listed on SGX, Singapore Savings Bonds, and bond-oriented funds. The course covers portfolio construction, fee analysis, and the role of income-oriented positions in a household's later-life strategy.
Weekly sessions include a reading, a case study, and a small-cohort discussion moderated by the instructor. Participants leave with a personal income plan document.
What the Course Covers
- Dividend-paying equities listed on SGX
- REITs — structure, yield, and selection considerations
- Singapore Savings Bonds — mechanics and use cases
- Bond-oriented funds and their role in an income position
- Portfolio construction and fee analysis
- Personal income plan document (kept by participant)
Course Fee
S$280
All materials and income plan document included
Retirement Planning and Documentation
A nine-week course on retirement planning combined with careful documentation of the plan. Covers CPF LIFE election timing, SRS drawdown sequencing, tax-aware withdrawals, healthcare reserve sizing, household documentation, and beneficiary coordination.
Paced for learners within approximately five to ten years of retirement. Each participant finishes the course with a personal retirement plan and a family reference folder.
What the Course Covers
- CPF LIFE — election timing and payout options
- SRS drawdown sequencing and tax-aware withdrawal strategy
- Healthcare reserve sizing using MediSave and Integrated Shield context
- Household financial documentation
- Beneficiary coordination and estate preparation considerations
- Personal retirement plan and family reference folder
Course Fee
S$395
All materials, retirement plan, and family folder included
Comparison
Choosing the Right Programme
Each course is self-contained and can be taken independently. Participants who wish to take more than one course may do so in any order, though Course 1 is recommended for those with no prior study of personal finance.
| Feature | Course 1 S$170 · 5 weeks |
Course 2 S$280 · 7 weeks |
Course 3 S$395 · 9 weeks |
|---|---|---|---|
| No prior knowledge required | |||
| CPF account overview | |||
| SGX income instruments | |||
| CPF LIFE election timing | |||
| SRS drawdown planning | |||
| Personal written document | |||
| Best for | Those starting from scratch | Those building income for later life | Those within 5–10 years of retirement |
Standards Shared Across All Courses
How We Manage Quality
No Product Referrals
No Seruan Finance instructor benefits financially from any investment or product decision made by a participant.
Annual Content Review
All materials are reviewed before each cohort and updated when CPF rules, SGX instruments, or SRS regulations change.
PDPA Compliance
Participant data is held in accordance with Singapore's Personal Data Protection Act and never shared with financial institutions.
Cohorts of Twelve
Every cohort is limited to twelve participants to preserve discussion quality and individual attention.
Between-Session Support
Participants can submit questions between sessions for the instructor to address at the opening of the following meeting.
Clear Educational Scope
All courses are explicitly educational. The limits of what the course addresses and when licensed advice is appropriate are stated clearly from the outset.
Enquire
Which Programme Fits Where You Are?
If you are unsure which course to begin with, we are glad to help you think it through. An enquiry carries no commitment.
Send an Enquiry