Our Programmes
Three ways to sit down with your household finances
Whether you are beginning with the basics or working through a complex household picture, there is a Damai programme suited to where you are.
Back to HomeOur approach
How Damai programmes are structured
Explain, not advise
Every session explains how financial concepts and instruments work. Participants make their own decisions based on that understanding. We do not tell people what to do with their money.
Build from the ground up
No prior financial knowledge is assumed. Whether you are in the Household Ledger Workshop or the Considered Saver and Investor course, the programme begins where most people actually are.
Grounded in Singapore
All content is situated in Singapore's financial and legal landscape — CPF, Singapore Savings Bonds, HDB, MAS regulations, lasting powers of attorney. Nothing is adapted from a generic international curriculum.
The Household Ledger Workshop
A four-week workshop in which a small group of adults in their forties and fifties open their household ledgers together and learn to read them with a calm, practised eye. Each participant receives a bound ledger book at the start, which they keep at the end.
Sessions are held on Saturday mornings at a quiet café-meeting room near Orchard Road. Group size is capped at twelve.
What the workshop covers
- The structure of a personal balance sheet and how to read it
- Careful tracking of monthly cash flow, income and outgoings
- CPF Ordinary, Special, MediSave and Retirement Account balances in a long household view
- Simple disciplines that make next year's ledger easier to read than this year's
- A bound ledger book to take home and use
How sessions are structured
Session one: Opening the ledger — what a balance sheet is and how to construct a simple one for your household
Session two: Reading cash flow — where money enters, where it leaves, and what the pattern tells you
Session three: CPF in the household picture — the four accounts, their purposes, and how they fit into retirement planning
Session four: Building the habit — simple annual reviews and the disciplines that keep a household ledger honest over time
Programme fee
SGD 260
The Considered Saver and Investor
A seven-week course designed for those who would like to understand savings and investments well enough to make their own decisions calmly. The course is educational and does not recommend particular financial products.
This course assumes no prior investment knowledge. Participants with existing portfolios and those who have not yet begun saving for retirement are both well placed to benefit.
Topics covered across seven sessions
- Savings accounts, fixed deposits and Singapore Savings Bonds — the differences that matter
- Unit trusts, index funds and exchange-traded funds explained
- Dividend shares versus growth shares — the question of what a household needs
- Fees and costs: what compounds invisibly over thirty years
- The temperament a household needs to remain steady when markets are not
- SRS — the Supplementary Retirement Scheme and how it fits
- Putting it together: a framework for reviewing what you hold
Important note: This course explains how financial instruments work. It does not recommend specific products and does not constitute financial advice. Participants leave with knowledge to make their own informed choices.
Programme fee
SGD 430
The Long Conversation Track
A five-session private programme for households who would like a careful, unhurried conversation about their financial picture, conducted at a tea-house pace over roughly two months. Sessions are tailored to the household.
Both partners are welcome. A written summary follows each session within three working days.
Typical conversation areas
- Retirement that is now within sight — understanding what the household will need and what it will have
- Supporting an ageing parent while continuing to support adult children
- Integrating an inherited portfolio the household did not choose for itself
- Reviewing a property situation — loan, equity, HDB options
- Writing a will and lasting power of attorney with calm consideration
- The financial picture when one partner retires before the other
How the track unfolds
Initial conversation: Understanding the household's situation, priorities, and the areas where clarity is most needed
Working sessions: Three ninety-minute sessions working through the identified areas, at a pace that allows understanding to settle
Closing session: A review of what has been covered, any remaining questions, and the household's sense of what comes next
Programme fee
SGD 750
Five sessions · 90 min each
Choosing a programme
Which programme fits your household?
The three programmes address different needs. This comparison may help you decide where to start, or whether to write to us with your specific situation.
| Feature | Ledger Workshop | Saver & Investor | Long Conversation |
|---|---|---|---|
| Format | Group (max 12) | Group (max 12) | Private (household) |
| Duration | 4 sessions | 7 sessions | 5 sessions, ~2 months |
| Focus | Balance sheet & cash flow | Savings & investments | Full household picture |
| Prior knowledge needed | None | None | None |
| Written materials | Bound ledger book | Session notes | Written summary each session |
| Covers CPF in depth | Partial | ||
| Covers wills & LPA | – | – | |
| Fee (SGD) | 260 | 430 | 750 |
Not sure which to choose? Write to us and we will help you decide.
Across all programmes
Standards we hold ourselves to
No product sales
No financial products are presented, recommended, or sold at any point in any programme.
Confidential
Private session discussions are treated as entirely confidential. Group sessions are conducted so participants need not disclose specific figures.
Scheduled with care
Session times are confirmed before enrolment. Changes are communicated with at least one week's notice where possible.
Questions always welcome
There is no such thing as an unwelcome question in a Damai session. If something is not clear, the facilitator takes time for it.
Fees
Simple, fixed programme fees
All fees are in Singapore Dollars and are payable before the first session by bank transfer. There are no hidden charges.
Household Ledger Workshop
Four weeks · Group
SGD 260
Per participant · Includes bound ledger book
- 4 Saturday morning sessions
- Maximum 12 participants
- Bound ledger book included
- No products, no commissions
Considered Saver & Investor
PopularSeven weeks · Group
SGD 430
Per participant
- 7 Saturday morning sessions
- Maximum 12 participants
- Session notes provided
- No products, no commissions
The Long Conversation Track
Five sessions · Private
SGD 750
Per household · Both partners welcome
- 5 private sessions of 90 min
- Tailored to your household
- Written summary after each session
- No products, no commissions
Begin with a question
Not sure which programme is right for your household?
We are glad to have a brief initial conversation at no charge. Tell us a little about your situation and we will suggest the most appropriate starting point.
Write to Us