Our Programmes
Three programmes for households at different stages of readiness
Each Hikmah programme is self-contained. You do not need to complete one before joining another, and there is no sequence you are expected to follow.
Back to HomeOur approach
How Hikmah designs its programmes
Each programme begins with the assumption that the participant is an intelligent adult who has simply not had access to a clear, unconflicted explanation of the relevant material. The curriculum is written accordingly — plain language, Singapore examples and no shortcuts that require trusting a product recommendation.
Sessions are spaced across multiple weeks deliberately. The gap between sessions is not wasted time. It is the period when what has been heard begins to connect with the household's actual situation — the CPF statement that makes more sense now, the insurance policy that suddenly seems worth re-reading.
Reading materials accompany every programme as printable PDFs. They are written to be useful on their own, not merely as prompts for attending the next session. Participants who prefer to read before listening, or to read instead of watching a recording, can do so.
All group sessions are recorded. Recordings are released the morning after the session and remain accessible for the duration of the programme. Participants who miss a session do not miss the content.
Programme One · Five Weeks
Money and the Middle Decades
A five-week introduction for those who have reached their forties and would like to take stock without rushing into anything. Week one is a quiet inventory of where the household stands. Week two looks at cash flow over the next decade. Week three considers the place of CPF, insurance and emergency reserves. Week four introduces the long-horizon question of investing. Week five offers a chance to write down what has been learned and what one would like to revisit.
- Household cash-flow review over the coming decade
- CPF, insurance and emergency reserve assessment
- First introduction to long-horizon investing questions
- Sessions on weekday evenings, recording by 9 am next day
- Printable PDF reading materials provided throughout
What the five weeks cover
Household inventory — a complete, honest picture of where the household stands today
Cash flow over the next ten years — income, spending, obligations and what changes
CPF, insurance and emergency reserves — how each fits into the household picture
Long-horizon investing — what it means and the questions to answer before beginning
Review and forward map — what you have learned and where you would like to go next
Programme fee
Programme Two · Nine Weeks · Group of 20
The Singapore Household Investment Course
A nine-week course for those who would like to learn enough about investing to make their own informed choices, without becoming a full-time market follower. The course covers the categories of Singapore-listed investment vehicles, the use of low-cost index funds, the role of dividend-paying shares in a household income strategy, the way bonds and Singapore Savings Bonds behave when held to maturity, and the question of how much risk a household in its forties or fifties may sensibly carry.
- Group size capped at twenty participants
- Two facilitators attend every session
- Singapore Savings Bonds, REITs and index funds covered
- Household risk-capacity framework introduced
- No prior investment knowledge required to join
Topics across nine weeks
What investing is and what it is not
Singapore-listed investment vehicles
Low-cost index funds explained
Dividend shares and household income
Singapore Savings Bonds and fixed income
REITs on the Singapore Exchange
Risk capacity at different life stages
Building a simple household portfolio
Review, open questions and next steps
Programme fee
Programme Three · Six Sessions · Private
The Family Conversations Track
A six-session private programme for individuals and couples who would like to bring family members into the household financial picture in a thoughtful way. Sessions are tailored to the household — they may concern ageing parents and the eventual handover of their affairs, adult children moving overseas, the question of a family home that is more than property, or the difficult subject of capacity in later years. Each session is preceded by a short questionnaire and is held in a private setting at the household's preferred pace, typically across two to four months.
- Every session designed around your household's specific questions
- Pre-session questionnaire helps the facilitator prepare
- Written summary of discussion provided after each session
- Recommended-reading shelf assembled at programme's end
- Paced across two to four months — no rushing
This programme is suited to households where the financial topic and the family conversation are not yet separate things — where who owns what, who will look after whom, and what happens to the home are all connected questions that need to be held together.
Programme fee
Decision guide
Which programme fits your situation?
If you are unsure, write to us and describe your household's position. We will suggest the most useful starting point.
| Money and the Middle Decades |
Household Investment Course |
Family Conversations Track |
|
|---|---|---|---|
| No prior knowledge needed | |||
| Group format | |||
| Private household sessions | |||
| Covers CPF and insurance | |||
| Detailed investment instruction | |||
| Family / inter-generational focus | |||
| Fee | SGD 200 | SGD 480 | SGD 800 |
Programme standards
What applies to every Hikmah programme
Privacy by default
Contact details are used only for programme communication. Session content shared privately stays private.
Annual curriculum review
All materials are checked against current MAS regulations, CPF policies and Singapore tax rules each January.
Session recordings provided
Group sessions are recorded and released by 9 am the following morning. Participants never fall behind due to a single missed session.
Questions answered by the facilitator
Queries between sessions are answered by the facilitator who led the session — not a general enquiries team.
Fees
Clear, all-inclusive fees
Each fee covers the complete programme: all sessions, all recordings and all reading materials. No add-ons.
Five Weeks
Money and the Middle Decades
SGD 200
- 5 evening sessions
- Session recordings
- Printable PDF materials
- Group format
Nine Weeks · Most detailed
Household Investment Course
SGD 480
- 9 evening sessions
- Two facilitators per session
- Session recordings
- Printable PDF materials
- Max 20 participants
Six Sessions · Private
Family Conversations Track
SGD 800
per household
- 6 private sessions
- Tailored to your household
- Written session summaries
- Reading shelf at programme end
Take the first step
Not sure which programme to start with?
Write to us with a short description of your household's situation. We will suggest the programme that is likely to be most useful as a starting point — with no obligation attached.
Send an Enquiry