Our Company
A ledger built on honesty, not promotion.
Merlion Ledger was founded to give the Singapore investor in their 40s and beyond a clear-eyed introduction to the investment landscape — on their own terms.
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Where the idea began
Merlion Ledger grew from a simple observation: many Singaporeans in their 40s and 50s had spent decades building careers, raising families, and accumulating savings — but had never been given the time or the right language to understand what to do with those savings next.
The financial services industry is rich with product offerings and sales materials. What it provides less of is unhurried, neutral education: the kind that helps a person read a fund factsheet without anxiety, understand what a CPFIS account is for, or ask better questions in a meeting with a licensed adviser.
We set out to build that. Three structured courses, designed specifically for the Singapore context, written at a pace that respects both the reader's intelligence and their busy schedule.
We do not sell financial products. We hold no arrangement with any fund house, broker, or platform. Our sole purpose is to help readers build a working map of the investment landscape before they act on it.
Our Mission
To offer clear, Singapore-specific financial education that helps the 40+ reader understand investment fundamentals — without pressure, without products to sell, and without assuming prior knowledge.
Our Approach
Every course follows a navigator's logic: orient first, then chart, then review. We introduce only what a reader needs at each stage, resisting the temptation to overwhelm with completeness before the foundations are laid.
Our Commitment
We consistently encourage readers to work with MAS-licensed advisers for decisions about specific products. Our role is preparation, not replacement. Education and advice are different things; we provide one and help you find the other.
The People Behind the Work
A small team with long experience
Raymond Chew
Founder & Lead Educator
Former treasury analyst with over two decades in Singapore financial services. Raymond writes the core course materials and holds all content to a single standard: would this help my own parents read their portfolio statement?
Sylvia Lim
Curriculum & Research
Sylvia spent twelve years in adult education before joining Merlion Ledger. She shapes the pacing and structure of each course, ensuring the material is genuinely accessible without being simplified into uselessness.
Anand Thambi
Compliance & Review
Anand reviews all course content for accuracy and regulatory alignment, cross-referencing MAS MoneySense materials and ensuring nothing we publish could be mistaken for personalised financial advice.
Our Standards
How we keep our work trustworthy
Content Review Process
Every course module is reviewed by at least two team members before publication, with a specific check against MAS MoneySense guidance and current market context.
No Product Promotion
We hold no referral arrangements with financial institutions, fund managers, or platforms. Our income comes from course fees alone. There is nothing else to sell.
Annual Content Updates
Courses are reviewed annually for changes to CPF rules, SGX-listed instruments, MAS guidance, and any shifts in the Singapore regulatory framework that affect the content.
Data Privacy
Participant data is held under Singapore's Personal Data Protection Act. We collect only what is needed for course delivery and do not share personal information with third parties.
Education, Not Advice
All materials carry a clear and consistent disclaimer that they constitute financial education, not personalised investment advice. This distinction is never blurred.
Participant Feedback
We read every course completion survey. Feedback shapes how existing modules are revised and which new topics are added in subsequent course updates.
Our Expertise
Rooted in the Singapore investment context
Merlion Ledger focuses specifically on the investment categories most relevant to Singaporeans: Singapore Savings Bonds, CPF Ordinary and Special Accounts under the CPFIS scheme, SGX-listed equities and REITs, unit trusts distributed through MAS-regulated platforms, and fixed deposits from locally incorporated institutions.
This focus matters. Generic investment education written for a Western audience often begins with assumptions — about tax treatment, about account structures, about the role of a central bank — that simply do not apply in Singapore. Our courses begin from the Singapore context and work outward from there.
We are not a school, an academy, or a training provider. We are a small editorial team that believes the 40+ Singapore reader deserves material written with the care and patience that their accumulated experience warrants. Our courses take the position that the reader is intelligent, has been busy with other things, and simply needs a well-drawn map — not a sales pitch, not a motivational seminar, and not a breathless overview of global markets.
Speak with us before you enrol
We are happy to answer questions about whether a particular course fits where you currently stand. Write to us or call, and we will point you in a useful direction.
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