Written feedback from adults who have attended our reading programmes and discussion circles in Singapore.
← Back to HomeKoh Li Ling
Bishan, Singapore
I attended the Saving Habits programme in March and found it genuinely useful — not because it told me what to do, but because it gave me a framework to actually think about what I was already doing. The discussion sessions were where I learned the most; other participants asked questions I had not thought to ask.
Rajesh Vellu
Tampines, Singapore
The Singapore Schemes weekend workshop clarified things I had been meaning to read about for years. CPF documentation is genuinely hard to parse on your own. Working through it with a facilitator and a small group made a real difference. I left with a vocabulary card that I have used several times since.
Tan Hui Wen
Ang Mo Kio, Singapore
I had some hesitation before joining — I was not sure whether the content would be too basic. It was not. The Estate Conversations circle covered topics I found genuinely difficult to approach on my own, particularly around LPA and the language used in those documents. The facilitator was patient without being slow.
Margaret Chan
Serangoon, Singapore
What I appreciated most was that there was no agenda beyond helping us read and understand the material. No one tried to steer us toward anything. The cohort format meant I could hear how other people — retired teachers, a civil servant, a small business owner — approached the same text differently. That was unexpectedly useful.
Ahmad bin Rashid
Woodlands, Singapore
I had been putting off the conversation with my children about wills and CPF nominations for a long time, partly because I did not feel confident in the language. The Estate Conversations circle gave me enough vocabulary and confidence to have that conversation. That feels like a measurable outcome.
Priya Navaratnam
Buona Vista, Singapore
The Saving Habits programme was more substantive than I expected from the programme description. The weekly reading — sent a few days before each session — was well chosen and not overly long. I found the discussion notebook useful for capturing thoughts between sessions. Small practical detail but it made a difference.
A retired school principal in her late fifties had been aware for years that she needed to understand her CPF balance more clearly — what was in each account, how the withdrawal rules worked, and what the SA lock-in meant for her plans. Every time she opened the CPF website, the language felt dense and she closed it again.
She enrolled in the Singapore Schemes Reading Workshop on a Saturday in February. The workshop worked through CPF documentation section by section in a group of thirteen. The facilitator did not simplify the language — they helped the group read it. By the end of the second day, she had annotated her reference binder with her own questions answered alongside the text.
She described herself as now able to "read CPF documents without switching off". She subsequently met with a financial adviser and felt, for the first time, that she understood the questions they were discussing. She later enrolled in the Estate Conversations circle.
"I did not learn what to do. I learned how to think about it. That was what I actually needed."
A civil servant in his mid-forties had recently started contributing to an SRS account on the advice of a colleague, without fully understanding what the SRS was or how withdrawals would eventually work. He was uneasy about having money in a vehicle whose rules he could not articulate.
He attended the Singapore Schemes weekend in April with a specific interest in the SRS section. The programme covered it in the context of broader scheme documentation, which he found unexpectedly helpful — understanding where the SRS sat within the wider retirement framework made the individual rules more logical.
He could articulate the SRS withdrawal rules clearly by the end of the workshop. He described the vocabulary card as something he had kept at his desk and referred to twice in the months following. He said the unease was largely gone — not because he had made decisions, but because he understood what decisions there were to be made.
"The reading binder is still on my desk. I use the glossary card more than I expected to."
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