Our Programmes
Three ways to think
more clearly about money
Each Cahaya programme is shaped around a different household situation. A four-week group, a ten-week course, and a private bespoke track — each with its own pace and depth.
Back to HomepageOur Methodology
How Cahaya approaches financial education
Understand first
Sessions begin with where participants actually are — their CPF position, their household balance sheet, their existing investments — rather than with a standard slide deck that may not apply to them.
Discuss openly
The format is discussion-based. Questions are welcomed at any point. Participants often find that hearing a question from someone else in the room clarifies something they had not quite identified for themselves.
Leave with something
Every participant leaves with written materials — a printed reader, a summary booklet, or session notes — that allow them to revisit the content at their own pace and share it with their household.
All three Cahaya programmes are purely educational. They do not constitute regulated financial advice under the Financial Advisers Act (Cap. 110). Participants are encouraged to use what they learn to have better conversations with their own licensed financial advisers, banks, and planners.
Programme 1 · Four-Week Group
The Lattice Discussions
A four-week group designed for adults in their forties and fifties who would like to spend four calm Saturday mornings in a small seminar room thinking carefully about their household financial picture.
The four sessions cover the household balance sheet, household cash flow and CPF, protection and insurance, and the longer arc of investing. Light refreshments are provided, and each participant receives a printed reader at the start of the course and a short summary booklet at the end. The group is small at twelve and the pace is calm.
- Household balance sheet and net worth
- Cash flow, CPF and the retirement account
- Protection and insurance review
- Introduction to household investing
- Printed reader and summary booklet
How it works
Programme 2 · Ten-Week Course
The Quiet Household Investment Course
A ten-week course for those who would like to learn enough about investing to manage a portion of their household savings in calm collaboration with their bank or broker.
Topics include the categories of investments available to Singapore residents, the careful matter of fees and costs over a thirty-year horizon, low-cost index funds and exchange-traded funds, 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 temperament a household needs to remain steady through market weather. The course is educational and does not recommend particular products.
- Investment categories available to Singapore residents
- Fees, costs and compounding over decades
- Index funds, ETFs and Singapore Savings Bonds
- Dividend instruments and household income strategy
- Temperament and staying steady through volatility
How it works
Programme 3 · Seven-Session Bespoke Programme
The Bamboo Track
A seven-session bespoke programme for households who would like a careful, private 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 portfolio that has accumulated over many years, the question of how to support an ageing parent thoughtfully, the writing of a will and lasting power of attorney with calm consideration, and the preparation of a household summary document that family members can refer to. Each session is held in a quiet private seminar room and is followed by a short written summary.
- Entirely bespoke — shaped by your household's situation
- Retirement planning and CPF optimisation
- Wills and lasting powers of attorney
- Household summary document prepared
- Written summary after each session
How it works
Choosing the right programme
Which programme suits your situation?
| Lattice Discussions SGD 290 |
Investment Course SGD 470 |
Bamboo Track SGD 790 |
|
|---|---|---|---|
| New to thinking about household finances | |||
| Want to understand investing in depth | |||
| Retirement is within the next ten years | Partly | Partly | |
| Need to discuss wills or lasting powers of attorney | |||
| Prefer a group setting with other participants |
Not sure which fits? Send us a note and we will help you decide before you commit to anything.
Across all programmes
Standards that apply to everything we do
No product commissions
Cahaya earns nothing from product sales. Fees come only from participants.
Confidential settings
Groups are asked to treat all discussions with discretion. Bespoke sessions are entirely private.
Annually reviewed materials
All content is checked against current CPF rules, MAS guidance, and Singapore Savings Bond terms before each cohort.
Discussion-based format
Questions are welcomed throughout every session. The pace adapts to the room rather than following a fixed schedule.
Written materials throughout
Every participant receives printed materials — a reader, booklet, or session notes — for later reference and household conversations.
Participant fit assessed first
We speak briefly with each enquirer before confirming a place, to make sure the programme is genuinely appropriate for their situation.
Programme fees
Clear, all-inclusive pricing
Four-Week Group
The Lattice Discussions
SGD 290
Per participant · All-inclusive
- Four Saturday mornings
- Printed reader included
- Summary booklet included
- Light refreshments included
Ten-Week Course
Investment Course
SGD 470
Per participant · All-inclusive
- Ten weekly sessions
- Course materials included
- Summary booklet included
- Singapore-specific content
Bespoke Programme
The Bamboo Track
SGD 790
Per household · All-inclusive
- Seven private sessions
- Written summary each session
- Household summary document
- Bespoke to your household
A place is waiting
If one of these programmes seems right for your household
Send us a note and we will confirm the next available dates, answer your questions, and give you the time to decide without any pressure.
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