Four Life Stages
We provide practical financial knowledge and debt management to young adults / prospective borrowers whilst in tertiary education.
Youngsters are growing up in an increasingly complex world where they will eventually need to take charge of their own financial future. Financial education for the tertiary is for those between the ages 18 to 25 years old who are currently pursuing post-secondary education.
We nurture right skills while they are young to strengthen their base for their future financial management.
This module will be focusing on cash flow management, the importance of budgeting and savings, internet banking and other suitable topics for young adults whilst in their tertiary education.
We provide practical financial knowledge and debt management to prospective borrowers who have just entered into employment.
The Entering Workforce comprises of individuals between the ages of 20 to 30 years old, mainly those who have just started working.
Financial Education is very important and critical to those in this age group as they are in the transition from dependent to independent roles in financial management.
They would want to buy a car as soon as they start working and view this more of a want rather than a need. Our Entering Workforce module for them would be more to deliberate on fundamental terminology and importance of productive borrowings to enhance future net worth.
Financial education is also to expose and cultivate the culture of managing their debts wisely whilst introducing the fundamentals of investment and the importance of insuring for protection.
We provide practical financial knowledge and debt management to borrowers who are starting and raising family.
Starting & Raising Family
The next life event module is for those who are in the midst of starting and raising a family. In this category, individuals are approaching that time in their life where they will undergo many life milestones: marriage, children and a new home.
This module is designed for those aged 30 to 40 years old with the focus on the action plans in reducing their loans and debt commitments in order to prepare for retirement and, to accentuate again the importance of planning for uncertainties for self and family.
The module also will introduce the types of protection available and to understand the right kind of policies for family according to affordability. Emphasis is also given on accumulating suitable investments to provide passive income upon retirement.
We provide comprehensive financial and retirement plan for pre-retirees.
The transition from a full-time occupation or employment to complete retirement involves many difficult decisions regarding issues such as income needs in retirement and the management of retirement wealth (pensions, savings, income-generating assets).
The pre-retirees should also decide whether to phase slowly into retirement or abruptly exit the labour force. Several of these decisions are irreversible and have long term implications for their economic well-being during retirement.
In order to make the best choices, individuals need sufficient level of financial education and a detailed understanding of the characteristics of their retirement plans.
Hence our pre-retirement module guides them to financially prepare for retirement by settling debts to increase savings for retirements, understand on planning the usage of the available investments and maintain the policies and reviewing their insurance portfolio.