What Participants Say
Accounts from the Room
These are the words of people who have attended Heng Yuan programmes. We have not selected only the most enthusiastic responses; we have included accounts that reflect the range of what participants found useful, and what they found less so.
Back to Home380+
Programme Participants
4.8
Average Rating / 5
8
Years Running Programmes
67%
Return for a Second Programme
Participant Reviews
From the Feedback Forms
Lim Teck Boon
Bedok, Singapore
"I attended the Shophouse Series last October after my wife suggested it. I have been working in engineering for twenty years and never really sat down to think carefully about our household finances. The session on CPF alone was worth the fee. Things I thought I understood turned out to be more nuanced than I had assumed."
Shophouse Series · April 2025
Siti Kartika
Bishan, Singapore
"I was a little apprehensive about attending a financial education session because I had been to a bank seminar once before and left feeling that I was being guided toward products. Heng Yuan was completely different. Nobody suggested anything to buy. We just talked about how household finances work in Singapore, calmly, with enough time to ask questions."
Considered Household Course · March 2025
Rajesh Chandran
Serangoon, Singapore
"The nine-week course was a significant commitment of time and I thought carefully before signing up. I am glad I did. The material on the SRS and on index funds in the Singapore context was the clearest explanation I have come across. I did wish the session on estate documents had gone a little deeper, but it was a good introduction."
Considered Household Course · February 2025
Chen Guoxin
Toa Payoh, Singapore
"My husband and I completed the Shutters Track together. We had been meaning to sit down and organise our household financial picture for several years and never quite managed to do it on our own. The six sessions gave us a structure and someone to think alongside us. The written summaries after each session were particularly useful — we still refer to them."
Shutters Track · January 2025
Margaret Wee
Tampines, Singapore
"I am fifty-three and had reached a point where I felt I ought to understand my CPF properly before making any decisions about retirement. The Shophouse Series gave me exactly what I needed — not a financial plan, but a clear understanding of how the accounts work and what options are available. I have since looked at my own account with much more confidence."
Shophouse Series · March 2025
Jeffrey Tan
Buona Vista, Singapore
"The group in the Considered Household Course was a good mix of people at similar stages of life. The discussion around housing as a financial asset was particularly interesting — there were people in the group with very different situations and the facilitator handled the range of questions well. I would have liked more time on the investment section but I understand there is a lot to cover."
Considered Household Course · April 2025
Case Studies
Three Household Situations
These accounts are drawn from feedback received, with identifying details changed. They illustrate the range of situations that participants bring to Heng Yuan programmes.
A Household Approaching Retirement
The Situation
A couple in their mid-fifties, both still working. CPF balances had accumulated but neither had looked carefully at the accounts in years. Retirement felt close but the picture was unclear. They were uncertain about when to stop, how much they needed, and what role their HDB flat played.
The Programme
The Shutters Track, six sessions over three months. Sessions covered the household balance sheet, CPF Life and drawdown options, the role of the flat in the overall picture, and the writing of a household summary document. Each session was followed by a short written summary.
What Changed
By the end of the programme the couple had a written summary of their household's financial position, a clearer view of their CPF Life options, and a set of questions they intended to ask their bank and the CPF Board directly. They described feeling less anxious about retirement, not because they had received a plan, but because they understood their situation clearly.
A Portfolio That Had Accumulated Without a Framework
The Situation
A forty-seven-year-old who had been saving and investing since his early thirties, but without a clear framework. He had shares, unit trusts, an endowment policy, and CPF investments, but was not sure how they fitted together or whether they were appropriate for where he was in life.
The Programme
The Considered Household Course, nine weeks. The participant described the sessions on investment categories and on the role of low-cost index funds as particularly clarifying. He was also able to ask questions about his specific holdings in the group discussion, and received useful context if not specific advice.
What Changed
He reported that the most useful outcome was a clearer framework for thinking about his portfolio — not a recommendation of what to do, but a way of categorising what he had and asking better questions about each piece of it. He subsequently engaged a fee-based financial adviser to review his holdings with this framework in mind.
Planning for an Ageing Parent
The Situation
A woman in her early fifties whose mother, in her late seventies, was beginning to need more care. She was the eldest of three siblings and had taken on the role of coordinating matters. The family's financial arrangements for the mother were unclear and the paperwork was incomplete.
The Programme
The Shutters Track, structured around the specific situation. Sessions covered her own household's picture, the question of supporting a parent financially, the documents that ought to be in place, and what her own household would need if her situation changed in the next decade.
What Changed
She left the programme with a clearer picture of what documents her family needed to put in place, a better understanding of the options for her mother's care arrangements, and a household summary document that her siblings could also read. She described the process as giving her a structure for conversations she had been avoiding.
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