Our Programmes
Three Programmes, Carefully Designed
Each programme meets participants at a different point in their financial journey — and is designed to move them meaningfully forward from there.
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Our Educational Approach
Every Novaledger programme is built on the premise that understanding precedes action. Before participants can make sound financial decisions, they need a clear mental model of how the relevant systems, products, and trade-offs actually work.
We teach in small groups, with educators who have worked in the fields they teach about. Sessions are structured and sequenced, with materials participants can take home and continue using after the programme ends.
The tone is always measured and exploratory — not prescriptive. We lay out information, encourage questions, and support participants in reaching their own conclusions.
Small Groups
Limited cohort sizes for focused learning
Structured Progression
Sessions build on each other deliberately
Singapore Context
Content reflects local products and regulations
Neutral Stance
No product agenda, ever
Programme 01
Financial Confidence for Beginners
A welcoming entry-level programme crafted for individuals who feel uncertain or overwhelmed when it comes to managing money. The programme introduces core concepts — income tracking, saving strategies, understanding credit, and setting realistic financial goals — in a supportive, small-group environment.
No prior financial knowledge is assumed. Each session builds gradually on the previous one, with take-home exercises that connect classroom learning to real life. Ideal for recent graduates, career starters, or anyone ready to take a first step toward greater financial awareness.
Duration
4 Weeks
Programme Fee
SGD 185
What's Included
- Four structured group sessions
- Starter workbook for ongoing use
- 30-day post-programme email support
- Take-home exercises for each session
Suitable For
- Recent graduates and career starters
- Those who have never engaged with personal finance formally
- Anyone wanting a clear, structured foundation
Programme 02
Decoding Investment Products
A mid-level educational programme that equips participants with the knowledge to understand and evaluate common investment products available in Singapore. The curriculum covers unit trusts, exchange-traded funds, Singapore Savings Bonds, fixed deposits, endowment plans, and structured deposits.
Participants learn to read product fact sheets, compare fee structures, and assess suitability against their personal risk profiles. The tone is informational and neutral — the goal is empowerment through understanding, not product recommendation.
Duration
5 Weeks
Programme Fee
SGD 520
What's Included
- Three structured group sessions
- Product comparison toolkit
- One personalised Q&A session
- Fee structure analysis frameworks
Suitable For
- Working professionals beginning to consider investments
- Those who've encountered products but want to understand them properly
- Anyone who wants to evaluate options without relying solely on a salesperson
Programme 03
Pre-Retirement Financial Roadmap
A comprehensive planning programme for individuals aged 45 and above who want to prepare thoughtfully for retirement. The process covers income projection, CPF Life election strategies, healthcare cost planning, legacy considerations, and lifestyle budgeting for post-work years.
Participants receive a personalised roadmap with multiple scenario models — conservative, moderate, and optimistic — allowing them to visualise different futures and make informed choices. The advisory approach is patient and thorough, recognising that retirement planning is deeply personal.
Duration
10 Weeks
Programme Fee
SGD 1,200
What's Included
- Full personalised planning document
- Five one-to-one consultations
- Three scenario models (conservative/moderate/optimistic)
- Annual review access included
Suitable For
- Individuals aged 45 and above
- Those approaching or planning an earlier-than-typical retirement
- Anyone who wants to prepare seriously without relying solely on a product adviser
Compare
Programme Comparison
A clear view of what each programme covers, to help you identify where to begin.
| Feature | Beginners | Investments | Pre-Retirement |
|---|---|---|---|
| Duration | 4 weeks | 5 weeks | 10 weeks |
| Programme Fee | SGD 185 | SGD 520 | SGD 1,200 |
| Group or 1-to-1 | Small group | Small group + 1-to-1 Q&A | 1-to-1 consultations |
| Take-home workbook | |||
| Product comparison toolkit | |||
| Personalised planning document | |||
| Scenario modelling | |||
| Annual review access | |||
| Best for | Starting out | Understanding products | Planning ahead, 45+ |
Our Standards
Shared Across All Programmes
Participant Data Protection
All personal information handled in accordance with Singapore's PDPA. No sharing with third parties for commercial purposes.
Regular Curriculum Review
Programme content is reviewed and updated periodically to reflect changes in Singapore's regulatory and financial environment.
Qualified Instructors
All programme delivery by professionals with formal qualifications and substantial field experience in financial services.
No Product Recommendations
Programmes are educational, not advisory. Participants are encouraged to seek licensed advice for personal financial decisions.
Post-Programme Feedback
We collect structured feedback after every programme and use it to continuously improve content and delivery.
Accessible Support
Questions before, during, and after a programme are welcomed. We aim to respond to all enquiries within one business day.
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Not Sure Which Programme Fits?
We're happy to have a brief conversation with you before you commit to anything. Reach out and we'll help you identify the most appropriate starting point.
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