Our Programmes
Three programmes, each designed for a different stage of the question
Whether you are beginning to think seriously about your financial picture for the first time, or working through a specific and complex household situation, there is a Bao Hin programme suited to where you are.
Back to HomeOur Methodology
How Bao Hin programmes are structured
Each Bao Hin programme follows the same underlying principle: understanding precedes action. We do not begin with investment recommendations or product suggestions. We begin with the household as it actually stands — its income, its obligations, its assets, and its priorities — and build outward from there.
Group programmes move through a structured curriculum with room for discussion at every stage. The private Hall Track follows the household's own agenda, shaped session by session according to what matters most at that point in the conversation.
All written materials are produced by Bao Hin's own educators and reviewed annually. We do not license content from external providers or reproduce materials from financial institutions. The curriculum is independent in the same way that the organisation is independent.
Participants are not expected to have made any financial decisions before or during a programme. The programmes are a place to think and learn, not to commit.
Understand first
Map the household's actual position before discussing any course of action
Learn in depth
Cover the relevant subject matter thoroughly, not superficially
Ask freely
Questions are the main point of every session, not a secondary activity
Keep the record
Take away printed materials and written summaries for later reference
Programme One
The Household Hall Discussions
Three-Session Introduction · SGD 230 · Weekday evenings
A three-session introduction held on weekday evenings, designed for adults in their forties and fifties who would like to spend three calm evenings in a dignified seminar hall thinking about their household financial picture. Evening one looks at the household balance sheet and cash flow. Evening two considers CPF, protection, and the longer arc of working life. Evening three opens the question of investments and the longer view. Each session lasts two hours, with light refreshments and a printed booklet to take home. The group is small at fifteen and the pace is calm.
- Session 1: Household balance sheet and cash flow
- Session 2: CPF, life protection, working life arc
- Session 3: Investments and the longer view
- Group capped at 15 participants
- Printed booklet and light refreshments included
How the three evenings unfold
A careful look at the household balance sheet: what is owned, what is owed, and what the monthly picture actually shows.
CPF in full — the ordinary account, special account, medisave, and CPF Life — alongside the matter of protection and what it costs.
An introduction to the investment landscape available to Singapore households, with an honest account of what it takes to invest steadily.
Programme Two
The Singapore Household Investment Course
Eight-Week Course · SGD 420 · One session per week
An eight-week course for those who would like to understand household investing in Singapore well enough to manage a portion of their own savings in calm collaboration with their bank or broker. Topics include the categories of investments available through local platforms, the place of low-cost index funds and exchange-traded funds, the careful matter of fees and costs over a thirty-year horizon, the role of cash and Singapore Savings Bonds as a quiet floor, the question of dividend-paying instruments in a household income strategy, and the calm matter of remaining steady through market weather one would rather not have.
- Categories of local investment products explained
- Low-cost index funds and ETFs in depth
- Fees and costs over a long horizon
- Singapore Savings Bonds and cash management
- Dividend instruments in household income planning
- Steadiness through periods of market difficulty
Course structure overview
The Singapore investment landscape: what is available locally, what platforms exist, and how to access them without specialist knowledge.
Index funds and ETFs: what they are, why their cost matters enormously over time, and how to evaluate them.
Singapore Savings Bonds, cash management, and the dividend question — including REITs and their place in an income strategy.
Putting a household investment approach together: asset allocation, rebalancing, and the discipline of staying the course.
Programme Three
The Hall Track
Seven-Session Private Programme · SGD 800 · Over approximately three months
A seven-session private programme for households who would like a careful, dignified series of conversations about their financial picture, conducted across roughly three months. The track is shaped by the household. Typical conversations include the careful planning of retirement that is now within view, the integration of a small business interest or rental property into the household picture, the question of how a household supports an ageing parent while supporting adult children, and the writing of household papers — will, lasting power of attorney, and a household summary document. Each session is followed by a short written summary that becomes part of the household's own ledger.
- Entirely private — one household at a time
- Agenda shaped by the household's own priorities
- Covers retirement, property, business interests
- Will, lasting power of attorney, household summary
- Written session summary after each conversation
- Summaries form a lasting household financial ledger
Typical programme shape
Opening conversation: mapping the household's full financial picture, what is already well-understood, and what needs attention.
The core sessions: shaped by the household's agenda. May cover retirement timing, CPF decisions, property, business income, or dependant obligations.
Household papers and the long view — will, lasting power of attorney, and a clear household summary document for future reference.
Which Programme Suits You
A guide to choosing
| Feature | Household Hall Discussions |
Household Investment Course |
Hall Track (Private) |
|---|---|---|---|
| Format | Small group | Small group | Private household |
| Number of sessions | 3 | 8 | 7 |
| Price (SGD) | 230 | 420 | 800 |
| Covers investments in depth | |||
| Shaped by your household's agenda | |||
| Covers will and LPA | |||
| Written session summaries |
Best for
Household Hall Discussions
Adults who are new to thinking about their finances in an organised way and want a gentle, structured introduction with no prior knowledge needed.
Best for
Household Investment Course
Adults who have a basic understanding of their financial picture and want to go deeper into the mechanics of investing in a Singapore context.
Best for
Hall Track (Private)
Households whose situation — retirement planning, property, business, ageing parents — is sufficiently complex to benefit from private, extended conversations.
Standards We Maintain
Across all three programmes
Data privacy — PDPA compliant
Participant information is handled under Singapore's PDPA. It is used only for programme administration and never shared with third parties for commercial purposes.
Annual curriculum review
All content is reviewed each year against current CPF rules, MAS regulations, and changes to the Singapore investment landscape.
No product sales or referrals
Bao Hin holds no financial adviser's licence and receives no commission or referral income. All our revenue comes from programme fees.
Clear withdrawal terms
Full refund for withdrawals seven or more days before a programme begins. Credit towards a future programme for withdrawals within seven days.
Capped group sizes
Group sessions are capped at fifteen to ensure that discussion is possible and questions receive proper attention.
Direct educator access
Enquiries and between-session questions are answered by the educators who deliver the programmes, not a general customer service function.
Programme Fees
What each programme costs
Household Hall Discussions
SGD 230
three sessions
- Three weekday evening sessions
- Small group (max 15)
- Printed booklet included
- Light refreshments
- PayNow or bank transfer
Household Investment Course
SGD 420
eight-week course
- Eight weekly sessions
- Small group (max 15)
- Printed course materials
- Singapore-specific curriculum
- PayNow or bank transfer
Hall Track
SGD 800
seven private sessions
- Seven private sessions
- Shaped by your household
- Written summaries after each session
- Covers will, LPA, household papers
- PayNow or bank transfer
Ready to begin
Not sure which programme is right for your household?
Write to us with a short description of your situation and what you are hoping to understand better. We will suggest the programme that fits, with no obligation.