— OUR PROGRAMMES
Three Programmes, Each at the Right Scale for Its Purpose
Each Tembusu programme addresses a different point on the arc of financial life in Singapore — from a first clear look at household finances to a private working-through of estate matters.
← Return to HomeI. OUR METHODOLOGY
How Tembusu Programmes Are Structured
All Tembusu programmes follow a pre-session reading model. Materials are distributed in advance — usually by the Thursday before a Wednesday or Saturday session — so that participants arrive having already read the material and had time to form their own questions. The session itself is then given over to discussion, worked examples drawn from real Singapore scenarios, and questions from participants.
This approach respects the adult learner's ability to read and reflect independently. It also makes the session time more productive: instead of listening to a first introduction, participants can engage at a deeper level from the outset.
Each programme includes a printed workbook. The workbook is not a test or an assignment — it is a structured space for participants to record their own numbers, questions, and observations as the programme progresses. Some participants work through it carefully during the programme; others return to it afterwards. Both approaches are valid.
At no point in any Tembusu programme is a financial product discussed in a way that implies it should be purchased. Where a product category is covered — fixed-income instruments, CPF Life options, whole life insurance — the coverage is educational: how it works, what the trade-offs are, and what questions a participant should ask of any adviser they consult separately.
II. PROGRAMME ONE
Mid-Life Money Map
Four-Week Group Study · Wednesdays · SGD 220
A structured four-week study group for adults in their forties and fifties who would like to take a clear look at where they stand and where they might be heading. Each week covers a single theme — household cash flow, balance sheet, retirement income gap, and a basic look at investment vehicles available in Singapore — with reading materials posted in advance, a two-hour evening session on Wednesdays, and a quiet workbook to complete at one's own pace.
Group size is capped at twelve so that each participant has space to ask questions. Includes a printed workbook, four group sessions, one optional one-to-one review at the end, and a small library of follow-up reading. Suitable for those new to financial planning or simply revisiting it after many years.
What Each Week Covers
Household Cash Flow — Income, regular outgoings, discretionary spending, and the difference between cashflow and wealth.
Balance Sheet — Assets, liabilities, and how to read your own net position clearly including CPF balances.
Retirement Income Gap — Estimating what you will need, what sources you have, and the distance between them.
Investment Vehicles in Singapore — A factual overview of available instruments, without any recommendation to purchase any of them.
Programme Fee
III. PROGRAMME TWO
The Income Years Curriculum
Ten-Week Programme · Saturdays · SGD 460
A longer ten-week programme designed for those approaching the latter part of working life who would like to think carefully about how household income will be shaped once salary ends. Topics include the Central Provident Fund structure for members aged fifty-five and above, drawing down from savings without depleting them too soon, the difference between accumulation and decumulation thinking, an honest look at insurance gaps, and the role of dividend-paying instruments and fixed-income holdings in a Singapore portfolio.
Taught in small cohorts of fifteen, with weekly Saturday morning sessions, a private peer-discussion channel, and access to recorded sessions for those who must miss a class. Course materials are written in plain language with a glossary.
Key Topics Across Ten Weeks
- CPF structure and rules for members aged 55 and above
- CPF Life options, payouts, and the decisions that affect them
- Decumulation thinking — drawing down savings at a sustainable rate
- Insurance review — identifying common coverage gaps
- Dividend-paying instruments and fixed-income holdings in Singapore
- Singapore Savings Bonds, T-bills, and how to access them
- Housing and retirement — the practical implications
Programme Fee
IV. PROGRAMME THREE
Legacy & Loved-Ones Curriculum
Six Private Sessions · Your Own Pace · SGD 780
A more in-depth private study track for those who would like to think about the longer arc — wills, lasting powers of attorney, family conversations about money, the practicalities of caring for an ageing parent while planning one's own later years, charitable giving, and the administrative work that protects a household.
Delivered as a sequence of six private sessions held at the participant's preferred pace over roughly three months, accompanied by tailored worksheets and a written summary of decisions reached at the end. The track is suitable for individuals and couples, and the curriculum can be adjusted to reflect family situation, business interests or international ties.
Six-Session Sequence
Wills in Singapore — What a will covers, what it does not, and how intestacy rules work in its absence.
Lasting Power of Attorney — What it is, when it becomes relevant, and how to approach the conversation.
Family Money Conversations — Practical approaches to talking about financial matters across generations.
Caring for Ageing Parents — The financial and administrative realities of providing for a parent.
Charitable Giving — How to give in Singapore, the role of wills in charitable intent, and tax considerations.
Household Administration — The records, documents and instructions that protect a household when things change.
Programme Fee
V. COMPARISON & GUIDANCE
Which Programme Is Right for You?
Use the table below to see at a glance how the three programmes differ. If you are still unsure, write to us — a short exchange is usually enough to identify the right fit.
| Feature | Money Map | Income Years | Legacy & Loved-Ones |
|---|---|---|---|
| Format | Group · 12 max | Group · 15 max | Private, 1-to-1 |
| Duration | 4 weeks | 10 weeks | ~3 months |
| Session Day | Wednesdays | Saturdays | Your choice |
| Printed workbook | |||
| Recorded sessions | — | — | |
| 1-to-1 review included | Optional | — | Throughout |
| Written summary at close | — | — | |
| Fee (SGD) | 220 | 460 | 780 |
Best for
Money Map
Adults who are new to structured financial thinking, or who want a clear starting point after years of not looking closely at the numbers.
Best for
Income Years
Adults in their mid-to-late fifties who want to think seriously about what their financial position will look like once regular employment ends.
Best for
Legacy Track
Those who want to think through estate matters, family conversations, and the longer-term administration of a household at their own pace and in private.
VI. STANDARDS
Shared Across All Three Programmes
No commercial influence
No financial institution funds, sponsors, or has access to any Tembusu programme or participant list.
PDPA compliance
All participant data is held in accordance with Singapore's Personal Data Protection Act 2012 and is not shared with any third party.
Pre-cohort content review
Materials are reviewed and updated by subject-matter professionals before each new cohort begins to reflect any changes in Singapore law or policy.
Post-programme feedback
Written feedback is gathered after every programme and reviewed by the team. It informs ongoing revisions to the curriculum.
Capped group sizes
Group sizes are fixed at twelve and fifteen. Once a cohort is full, the next enquiry goes on the waiting list for the following intake.
Plain-language materials
All written materials include a glossary and are written without financial jargon to be readable by a non-specialist adult.
— NEXT INTAKE
We Can Tell You When the Next Cohort Opens
Write to us or call and we will let you know which cohorts have places and which are on waiting lists. No commitment is needed to make this enquiry.
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