About Bao Hin
A small institution with a careful regard for the households it serves
Bao Hin was founded in Singapore to offer adults in their forties and fifties a quiet, neutral place to build their understanding of personal finance — at their own pace, without commercial pressure.
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How Bao Hin came to be
Bao Hin was established in 2018 by a small group of educators and former financial professionals who had spent years observing a particular difficulty: many thoughtful, capable adults in Singapore reached their mid-forties with very little structured understanding of how their own money worked. Not through any lack of intelligence, but simply because the subject had never been taught to them in a useful way, and the financial industry had little incentive to teach it plainly.
The name reflects a straightforward idea — to hold things carefully, to preserve what is worth preserving, and to pass it on clearly. Our founders wanted to create a place that felt more like a well-run evening class at a civic institution than a sales environment.
From the beginning, the decision was made to hold no financial products, take no commissions, and accept no referral fees. The only income Bao Hin receives is the tuition paid by participants. This keeps the relationship simple and clean.
Over the years, Bao Hin has worked with several hundred Singapore households — couples approaching retirement who wanted to understand their CPF in full before making irrevocable decisions; individuals who had inherited money and felt uneasy about it; people who had worked in business all their lives but had never quite understood how their own savings were structured.
Our mission has not changed since 2018: to give adults a well-lit, calm, and thorough education in the household financial matters that actually affect their lives. We do not offer a shortcut. We offer time, careful explanation, and printed materials worth keeping.
"We think of our role as that of a patient teacher, not a salesperson. The households we work with come to us with questions. We try to answer them properly."
— Founding statement, Bao Hin, 2018
The People
Those who run the programmes
Lim Wei Hao
Lead Educator & Co-founder
Spent eighteen years in financial planning before joining the education sector. Leads the household investment course and the Hall Track programme.
Chong Jing Yi
Programme Director & Co-founder
Former secondary school educator with a long-standing interest in adult learning. Designs the curriculum and chairs the evening discussion series.
Nirmala Tharmaratnam
Participant Liaison & Office Manager
Manages enquiries, scheduling, and the smooth running of each programme cycle. The first point of contact for all incoming queries.
Our Standards
How we work
Education-only mandate
Every programme Bao Hin delivers is educational in nature. We hold no financial adviser's licence and carry no obligation to recommend any product.
Personal data handled with care
Participant information is used only to administer the programme in question. It is never sold, shared with financial institutions, or used for marketing.
Written curriculum, reviewed annually
Course materials are reviewed each year against current Singapore financial regulations, CPF changes, and MAS guidelines to ensure accuracy.
Small, manageable group sizes
Group sessions are capped at fifteen participants so that questions can be addressed properly and the pace adjusted to those present.
No referral arrangements
Bao Hin does not receive referral fees or commissions from banks, brokerages, or insurance companies. Our income comes only from participants.
Clear withdrawal terms
Participants who withdraw seven days or more before a programme begins receive a full refund. Within seven days, a credit towards a future programme is offered.
Financial education for Singapore households
Singapore offers its residents a well-structured national savings system, a range of locally available investment instruments, and a regulatory environment that compares well internationally. What many adults lack, however, is a thorough working understanding of how these pieces fit together for their own household — and how to make decisions about them without relying entirely on the industry that profits from those decisions.
Bao Hin's programmes are designed to address this gap. The Household Hall Discussions cover the foundational matters that are often left unexamined: how to read a household balance sheet, what CPF Life actually delivers, how much protection is appropriate and at what cost. The investment course goes further, covering the practical mechanics of investing through Singapore platforms, the long-term effects of fees, and the discipline required to stay a steady course through periods of market uncertainty.
The Hall Track private programme is suited to households whose situation is sufficiently complex to benefit from a private series of conversations. This might include households approaching retirement within five to ten years, those managing a rental property or small business interest alongside their employment income, or those who need to think carefully about ageing parents and how that responsibility fits into their own financial position.
All Bao Hin content is produced with Singapore's adult learner in mind. We have no wish to talk down to our participants. They are thinking adults who have managed careers and families across decades. They deserve a thorough and respectful explanation of the subject, not a simplified version of it.
Come and see
Attend a Household Hall Discussion as your first step
The three-session introduction is the natural place to start. It is a small investment of time and money, and it gives you a clear sense of whether a longer programme is worthwhile for your household.
Send an Enquiry