Our Programmes
Three courses. Each built
around a real decision.
Family wealth, investment foundations, CPF LIFE — the three areas where clarity matters most in the decade before retirement.
Back to HomeOur Methodology
How we approach financial education for mid-life learners
Each course at Peranakan Capital follows a weekly session model over five to eight weeks. This pace is not incidental — it is how adult learners at this life stage integrate new knowledge. A session ends, a week passes, life provides a context, and the next session opens. That rhythm is part of the teaching.
Courses are structured around the actual decisions learners face: which CPF LIFE scheme to elect, how to begin investing without overreaching, how to bring a resistant spouse into a budget conversation. The curriculum is built outward from those decisions, not downward from theory.
Every session includes a guided discussion component. This is where, consistently, learners report the most insight — not from the instructor's presentation but from the realisation that their peers are navigating identical uncertainties.
Weekly cadence over 5–8 weeks
Designed for learners with full professional and family schedules — not weekend intensives.
Maximum twelve per cohort
Small enough that every learner's questions surface and are addressed.
In-person (Tanjong Pagar) or live online
Both formats follow the same schedule and include the same printed materials.
Practical materials designed for post-course use
Workbooks, templates, and worksheets you will refer to in the months that follow.
5-Week Course
S$170
Family Wealth Conversations
For learners in their forties and older who want to open structured conversations about money with spouses, adult children, and elderly parents. This is not a course about lecturing family members — it is about creating the shared vocabulary and practical tools that make those conversations possible and productive.
Topics include household budgets, shared records, CPF nomination discussions, and the gentle introduction of estate planning topics within Singapore family structures. Led by an advisor with formal family-counselling training.
What you will work through
Opening the money conversation with a reluctant spouse or adult child
Creating and maintaining a shared household financial record
CPF nomination discussions — who to involve, and when
Introducing estate planning topics to elderly parents with care
Building a family financial conversation habit that continues
8-Week Course
S$285
Investment Fundamentals for Mid-Life Learners
A careful, eight-week course on investing for those who wish to begin — or begin again — with a clearer understanding of what they are doing and why. No prior study assumed. Paced slowly. Emphasis placed, throughout, on realistic expectations and sound habits rather than performance targets.
Topics include asset classes, portfolio construction, fee analysis, local SGX instruments, and the behavioural considerations most relevant to mid-life investors: the cognitive biases that affect decision-making, the emotional challenges of watching a portfolio through volatile periods, and the particular risk considerations that apply once a working timeline is shorter.
Curriculum areas
Asset classes: equities, bonds, REITs, cash — what each does in a portfolio
Portfolio construction and rebalancing for a mid-life timeline
Fee analysis — what you pay, and how it compounds over time
SGX instruments relevant to Singapore-based investors
Capstone session: walking through a sample portfolio build
6-Week Course
S$420
CPF LIFE and Retirement Income Planning
A course devoted entirely to CPF LIFE — the most consequential financial decision many Singaporeans will make. Standard, Basic, and Escalating payout options are examined in detail across all six weeks, with particular attention to election timing, bequest implications, and the coordination of CPF LIFE income with SRS withdrawals and private investments.
Intended for learners within five to ten years of CPF LIFE election age who want to understand the mechanics thoroughly — not at the last moment — so that the eventual decision is made with full comprehension of its long-term consequences.
Topics covered in depth
Standard, Basic, and Escalating plan mechanics and payout projections
Election timing — the implications of electing at 65 versus deferring
Bequest considerations under each plan option
SRS account withdrawal strategy and tax timing
Coordinating CPF LIFE with private investment drawdown
Comparison
Choosing the right course for you
The three courses address distinct topics and serve different learner situations. Many learners complete more than one over time. The table below outlines the main differences.
| Family Wealth | Investment Fund. | CPF LIFE | |
|---|---|---|---|
| Duration | 5 weeks | 8 weeks | 6 weeks |
| Fee | S$170 | S$285 | S$420 |
| Best suited for | Those wanting to improve family money dialogue | Those beginning to invest carefully | Those 5–10 years from CPF LIFE election |
| Prior knowledge needed | None | None | Basic CPF familiarity |
| Specialist Q&A included | |||
| Personal worksheet |
Uncertain which to begin with? Write to us — we will suggest a starting point based on your circumstances.
Shared Standards
What all three courses hold in common
No product sales
No financial products are sold during or after any course. No referrals. No commissions. The curriculum serves understanding, not a sales agenda.
Annual content review
Each curriculum is reviewed against current CPF Board, MAS, and IRAS guidance annually. Materials reflect current rules, not those from several years ago.
PDPA compliance
Learner data is handled in accordance with Singapore's Personal Data Protection Act and is never shared with third parties.
Anonymous evaluation
Every cohort completes an anonymous evaluation at close. The results feed directly into the next cohort's delivery — no response is filed and forgotten.
Post-course follow-up access
Six months of instructor access after course completion for follow-up questions. Included in the course fee — no additional charge.
Printed materials posted in advance
Physical workbooks and session materials are printed and posted to each learner before the course begins — for both in-person and online participants.
Pricing
What each course costs
All fees in Singapore dollars. No additional charges.
Family Wealth Conversations
S$170
5-week programme
- 5 weekly sessions
- Family conversation workbook
- Discussion templates
- Certificate of completion
Investment Fundamentals
S$285
8-week programme
- 8 weekly sessions
- Guided workbook
- Discussion groups included
- Capstone portfolio session
- Certificate of completion
CPF LIFE & Retirement
S$420
6-week programme
- 6 weekly sessions
- Personal projection worksheet
- Retirement specialist Q&A
- Certificate of completion
Not sure which course to begin with?
A brief note about your situation is enough. We will suggest the most appropriate starting point without any obligation to enrol.
Write to Us