What Participants Say
These are the considered reflections of adults who came to Bao Hin with genuine questions and left with a clearer picture of their household's financial situation.
Back to Home450+
Households served
7
Years delivering programmes
4.7
Average satisfaction (out of 5)
94%
Would recommend Bao Hin
Participant Reflections
Tan Mei Ling
Operations manager, Toa Payoh
"I attended the three-evening discussion series in March with my husband. We came in with the vague feeling that we were not managing our finances as well as we should, but no clear picture of what was wrong. By the third evening, we had a proper view of where we stood. Nothing was dramatised. It was presented as information, which is what we needed."
Household Hall Discussions · April 2025
Rajesh Krishnan
Senior engineer, Jurong
"The eight-week investment course covered a great deal — index funds, ETFs, the CPF investment scheme, dividend stocks — but it never felt rushed. Lim Wei Hao has a way of explaining things that assumes you are an intelligent adult without assuming you have a finance background. I found the section on long-horizon fees particularly eye-opening. I had not done the sums before."
Household Investment Course · March 2025
Yeo Hwee Leng
School administrator, Clementi
"I am fifty-one, single, and have always managed my own money cautiously but without much structure. The Hall Track was exactly what I needed — seven sessions where we worked through my actual situation, not a generalised example. The written summary after each session was particularly useful. I still refer to them."
Hall Track · February–April 2025
Chandra & Wai Keng Perumal
Couple, Bishan
"We attended the introduction evenings as a couple. The group was small enough that there was proper discussion — other participants' questions often led somewhere useful that we had not thought to ask ourselves. One small comment: we found the first evening a little more basic than expected, but by evening three the depth was much more what we were after."
Household Hall Discussions · April 2025
Ng Boon Huat
Business owner, Queenstown
"I joined the investment course mainly to understand whether my existing holdings were structured sensibly. The section on fees — specifically on how management charges compound over twenty or thirty years — made a strong impression. I came away making two changes to my portfolio that I believe will be meaningful over the longer term."
Household Investment Course · March 2025
Lim Joo Heng
Retired civil servant, Ang Mo Kio
"My wife and I did the Hall Track because we were approaching a decision about my CPF Life payout timing and did not feel confident making it without proper guidance. The programme did not tell us what to decide — it explained the factors carefully and helped us think it through ourselves. That is the right approach."
Hall Track · January–March 2025
In More Depth
Case Study · Household Hall Discussions
The challenge
Both partners worked full-time and managed their individual finances separately. They had never produced a combined household balance sheet and had very different assumptions about what they owned, what they owed, and what retirement might actually cost.
What the programme provided
The three-session introduction gave them a structured template for the household balance sheet and a shared vocabulary for talking about money. The second session's coverage of CPF resolved a significant misunderstanding one partner had held about Special Account interest rates.
What changed
By the end of three evenings, the household had a written balance sheet and a shared view of their monthly cash flow. They subsequently enrolled in the investment course to continue building their understanding.
"We had been putting this conversation off for years. Three evenings was all it took." — Participant, April 2025
Case Study · Household Investment Course
The challenge
The participant had accumulated savings in a mix of unit trusts recommended by his bank over many years. He had never analysed the management fees or compared them against lower-cost alternatives, and was uncertain how much this mattered over a fifteen-year horizon.
What the programme provided
Weeks three and four of the investment course covered exactly this ground — how to calculate the long-term drag of management fees, how index funds and ETFs differ from actively managed unit trusts, and how to access low-cost alternatives through Singapore brokerage platforms.
What changed
The participant recalculated the total fees paid over fifteen years on his current holdings. Having done so, he restructured a portion of his savings into lower-cost instruments. The decision was his, made from a position of understanding rather than advice.
"The fee calculation in week four was the most useful single piece of information I have received about my finances in thirty years." — Participant, March 2025
Case Study · Hall Track Private Programme
The challenge
The household's financial picture was genuinely complicated: a rental flat producing income, a mother in her eighties requiring periodic financial support, two adult children approaching their own household formation, and a question about whether the primary earner could step back from full-time work at fifty-five.
What the programme provided
Seven private sessions worked through each dimension of the household's situation systematically. Sessions covered the rental income's tax treatment, CPF Life payout optimisation, a realistic monthly budget for retirement, and — in the final sessions — the preparation of a simple will and lasting power of attorney.
What changed
The household produced a clear written summary of their financial position, a set of notes on each major decision still to be made, and a household document covering will and LPA. The question of early retirement was not resolved — it was understood, which made it manageable rather than anxious.
"We came with a tangle and left with a map." — Participant, April 2025
Reach Bao Hin
Telephone
+65 6502 7194Address
145 Holland Road, #06-12
Singapore 278658
Office Hours
Mon–Fri: 10am–6pm
Sat: 10am–1pm
Credentials
Recognised provider by the Singapore Institute of Adult Education since 2022.
Data protection policy registered with Singapore's Personal Data Protection Commission.
Delivered community financial literacy workshops in Holland-Bukit Timah area, 2023.
Join them
If you have a question about your household's finances that you have been putting off properly examining, one of our programmes may be a suitable place to start.
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