Merlion Ledger
Harbour at dawn

Financial Education · Singapore

Understanding your investments begins with the right charts.

Three structured courses for Singaporeans in their 40s and beyond — unhurried, without jargon, and built around the decisions you actually face.

Explore the Courses Speak with Us
MAS MoneySense aligned
+65 9147 2683
[email protected]

What We Offer

Three Courses, One Clear Direction

Each course is designed to be read at a comfortable pace, with no pressure to finish quickly and no assumption that you already know the vocabulary.

Reading the Landscape of Investments
5 Weeks SGD 219

Reading the Landscape of Investments

A structured introduction to the investment categories most relevant to Singaporeans in mid-to-late career: SSBs, fixed deposits, unit trusts, ETFs, direct shares, and REITs. Each instrument explained plainly.

  • Glossary and comparison worksheet
  • Readings from MAS MoneySense
  • Self-check questions per module
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Putting Ideas on Paper
7 Weeks SGD 479

Putting Ideas on Paper: A First Portfolio Worksheet

For readers ready to sketch an allocation that fits their age, responsibilities, and temperament. Walks through time horizon, volatility tolerance, CPF integration, and the MAS risk-profiling questionnaire.

  • Investment Policy Statement template
  • Checklist of MAS-regulated platforms
  • Structured worksheet per module
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Reviewing and Adjusting
9 Weeks SGD 759

Reviewing and Adjusting with a Steady Hand

For those who already hold investments and want to review, rebalance, or simplify. Covers fee drag, CPF OA/SA placement under CPFIS, reading fund factsheets, and the emotional patterns behind poor timing.

  • Rebalancing log template
  • Fee-audit worksheet
  • Family conversation guide
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Why Merlion Ledger

Designed for where you actually are

No jargon, no rush

Every concept is introduced at a pace suited to someone carrying full professional and family responsibilities. Ideas are given room to settle before the next one arrives.

Singapore-specific content

Course materials are built around instruments and institutions relevant here: CPF, SSBs, CPFIS, SGX, and the MAS regulatory framework — not translated from a foreign market.

Practical worksheets

Each course includes templates you can use with a licensed adviser: an Investment Policy Statement, a fee-audit worksheet, and a family conversation guide for coordinating plans.

Balanced perspective

We do not sell financial products and receive no commissions. Our purpose is to help you form well-considered questions — not to arrive at answers on your behalf.

Self-paced reading

Weekly readings are sized to fit a busy schedule — each module is written to be completed in an evening, with optional questions to revisit at your own discretion.

Aligned with MAS guidance

All course content cross-references MAS MoneySense materials and encourages engagement with licensed advisers for personal decisions, keeping you on solid regulatory ground.

Take the First Step

Begin with curiosity.
Build with clarity.

Whether you are just starting to think about your investments or ready to review what you already hold, one of our three courses has a place for you. Write to us and we will help you find the right starting point.

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Common Questions

Things worth asking before you begin

Do I need any financial background to join?
No prior knowledge is assumed. The first course begins with what cash and savings really mean before moving to any investment category. If you can read a bank statement, you have everything you need to start.
Will the courses tell me which specific investments to make?
No. Merlion Ledger provides financial education, not personalised financial advice. We will help you understand the landscape and prepare better questions for a licensed adviser, but the decision about any product remains yours and theirs.
How much time do the weekly readings take?
Each weekly module is written to take roughly 45 to 75 minutes to read carefully, with optional self-check questions adding another 20 minutes if you wish. Most participants find a weekday evening or a quiet Sunday morning works well.
What is the difference between the three courses?
The first course builds a working vocabulary and mental map of investment categories. The second helps you sketch a personal allocation and understand your own risk profile. The third is for people who already hold investments and wish to review, rebalance, or simplify. They can be taken in sequence or individually.
Are the courses available fully online?
Yes. All materials are accessible online at your own pace. You may also write to us to ask about in-person reading group sessions held periodically in Singapore.
What is your refund or cancellation policy?
We offer a full refund within 14 days of enrolment if you have not yet accessed more than the first module. After that, we are happy to discuss a credit toward another course. Please write to us at [email protected] and we will respond within two working days.

Find Us

Our Office in Singapore

168 Robinson Road, #24-08, Singapore 068912

Get in Touch

We are glad to hear from you

Contact Details

Write to us with any question about the courses, enrolment, or simply to learn more. We respond to all enquiries within two working days.

Address

168 Robinson Road, #24-08
Singapore 068912

Office Hours

Monday – Friday: 9:00 am – 6:00 pm
Saturday: 10:00 am – 1:00 pm
Sunday & Public Holidays: Closed

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