Take charge of your financial life

The programme

Four parts, from where you stand to a plan built around you.

Each part stands on its own; together they build one plan.

1. Part 1

   Where you stand

   Your money on one page, and the two risks every plan has to answer.

   • Net worth and cash flow, on one page
   • The two risks: dying too early, and living too long
   • How under-insured most families are, and what a payout would really need to cover
   • Health cover: what MediShield Life, a Shield plan and the rider each pay
   • Cover that pays the hospital, and cover that pays you
2. Part 2

   How markets work

   What markets have done, falls included, and what investors actually keep.

   • A century of returns, through every crisis
   • Why every year has a frightening moment, and why it is normal
   • What chasing winners and timing really cost
   • Diversification, bonds and how much risk to take
3. Part 3

   Income for life

   How long the money has to last, and an income built to last that long.

   • Planning to 100, not to the average
   • CPF LIFE and its three plans, the base of every retirement income
   • Income in three levels: CPF LIFE, income for a set period, then growth
   • Dividends, drawdowns and spending guardrails
4. Part 4

   Built around you

   What you want this money to do, and the building blocks that fit each goal.

   • The question that decides everything after it
   • Safety, income and growth, matched to the job
   • Growth, income, education, CPF and SRS, legacy, business reserves
   • What I leave out, and why