Participant Experiences
What participants say after completing a Hikmah programme
These are accounts from people who joined a programme with a question and left with a clearer sense of their own financial picture. They are not endorsements — they are descriptions.
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Participants completed
6+
Years running programmes
4.7
Average feedback rating
94%
Rated content useful
What participants write
Selected feedback from recent cohorts
Toa Payoh · April 2025
"I joined the five-week course because I realised I had no real picture of what our household finances looked like as a whole. The first session alone was worth the fee — it gave us a framework for thinking about everything at once instead of in separate compartments. My husband and I have had more useful conversations about money in the past month than in the previous ten years."
Money and the Middle Decades
Tampines · March 2025
"The investment course was thorough without being overwhelming. I had always found articles about Singapore investing confusing because they assumed either too much or too little. Rashidah's approach was different — she started from what a household actually needs to know and built from there. The Singapore Savings Bonds session in particular answered questions I didn't know I had. The pacing is right for someone who is not doing this full time."
Singapore Household Investment Course
Buona Vista · April 2025
"My mother is 74 and my father passed last year. We needed to sort out her affairs, but none of us really understood what she had or what needed to happen next. The Family Conversations Track gave us a structure — not just information, but a way of talking about difficult things without it becoming an argument. Lim Wei Ting has a gift for asking the question that no one else thought to raise."
Family Conversations Track
Clementi · February 2025
"I work in IT and I am reasonably comfortable with research, so I went in expecting to be bored by the basics. I wasn't. The facilitators knew their subject well enough to go deeper than the general level when questions called for it. My only observation is that the nine weeks went quite quickly — some topics I would have liked more time on. I understand why the format is what it is."
Singapore Household Investment Course
Bishan · March 2025
"The printed materials are a genuine differentiator. I am someone who needs to hold something in my hands to think about it properly. The fact that everything came as a PDF I could print and annotate made the whole programme accessible in a way that most online courses are not. I read each week's material before the session, and the session then answered the questions the reading had raised."
Money and the Middle Decades
Ang Mo Kio · April 2025
"I had attended two financial planning seminars in the past few years and found both of them led, eventually, to a product pitch. Hikmah was different. There was no pitch. The sessions were simply about the material. That sounds like a low bar, but it is apparently quite rare. I felt that I could ask a question about anything without being nudged toward a pre-prepared answer."
Singapore Household Investment Course
Case studies
Three households, three different starting points
These accounts have been condensed and anonymised. They describe real patterns we see in households that join Hikmah programmes.
Starting point
A household with enough, but no picture of it
A couple in their mid-forties, both working, with CPF, insurance, a mortgage and some unit trusts — but no sense of whether these things worked together. Neither had time to look at everything at once.
What helped
The five-week introduction gave them a framework for placing every item in relation to every other. By week three, they had a single document listing everything they owned and owed, organised by time horizon. It was the first time they had done this.
Where they ended up
They enrolled in the investment course six months later with a specific question: what to do with cash that had been sitting in a savings account for two years. They left with a plan they had worked out themselves, with enough understanding to maintain it.
"We didn't need someone to manage our money. We needed to understand it."
Starting point
A widower with ageing parents and adult children abroad
A man in his early fifties, recently widowed, with two adult children in Australia. His mother was 81 and beginning to need more support. His father had passed without a will, which had created complications. He needed to think about the whole picture at once.
What helped
The Family Conversations Track was used in an unusual way — two of the six sessions involved his children joining via video from overseas. Wei Ting structured the sessions so that each question was given its own space before the next was raised. The CPF nomination and the LPA for his mother were the most important matters addressed.
Where they ended up
The family left with clear documentation of what existed, who was responsible for what, and a list of the professionals — lawyer, financial adviser — they now knew they needed to engage. Hikmah is an education provider, not those professionals. But the programme helped them ask the right questions of the right people.
"We finally had the conversation we'd been avoiding."
Starting point
A teacher approaching retirement with a cautious temperament
A primary school teacher in her late fifties, twelve years from expected retirement, who had always kept money in the bank and been wary of investing. She wasn't unhappy with this approach, but wondered if she was missing something.
What helped
The nine-week course gave her a framework for thinking about risk in relation to time horizon — specifically that the question of risk is different for money needed in five years versus money that will not be touched for fifteen. Singapore Savings Bonds, which she had not known about, turned out to fit her requirements well.
Where they ended up
She left the course having decided that her instinct toward caution was not wrong, only unarticulated. She now holds a small allocation in Singapore Savings Bonds alongside her CPF contributions and keeps the rest in cash — a position she arrived at by understanding the alternatives, not by avoiding them.
"I didn't change my approach. I understood it."
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Professional standing
Recognised as a community financial education partner by Singapore's national financial literacy programme since 2021.
The nine-week investment course carries CPD credit hours recognised by relevant Singapore professional bodies.
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