What Sets Us Apart
Why Adults in Singapore Choose Gotong Group
The value is not in the information itself — it is in the way it is organised, the pace at which it is offered, and the clear absence of anything designed to sell you something.
Back to HomeAt a Glance
Six Reasons People Come Back
Written for Singapore
The content addresses Singapore's actual financial landscape: CPF mechanics, MediShield Life, HDB considerations, and SRS. Not a general framework adapted for local use.
No Sales Agenda
We are paid by course fees alone. We have no affiliated product providers, earn no referral income, and do not direct participants toward specific products or platforms.
Unhurried Pace
Weekly readings. No countdown timers. No pressure to complete by a certain date. The material is available to revisit, and there are no live sessions you can miss.
Plain Language Throughout
Every module is written to be understood without a financial background. Technical terms are defined the first time they appear and can be referenced again.
Prepares You for Professional Meetings
The courses are designed to make conversations with MAS-licensed advisers and lawyers more productive — not to replace them. Participants often report their professional meetings becoming shorter and clearer.
Attention to the Non-Financial
Health routines, social patterns, family care responsibilities, and the emotional texture of transition are treated as genuine considerations, not afterthoughts.
Depth of Experience
The courses are built by people who have spent significant portions of their careers in Singapore's financial education and planning sector. The content reflects not just textbook knowledge of CPF and insurance structures but years of observing what people actually find confusing, what questions they wish they had thought to ask earlier, and which decisions benefit most from a period of calm reflection.
- Content reviewed against current CPF Board and MoneySense publications
- Updated annually as Singapore regulations evolve
- Worksheets tested with participants before wider distribution
A Coherent Arc
The three courses are not independent modules bolted together. They form a deliberate sequence: understanding your position, reviewing your arrangements, and preparing for the transition ahead. Each course is self-contained, but each also builds usefully on the one before it. The logic of the sequence reflects how thoughtful people actually move through this life stage.
- Structured templates guide practical household-level work
- Each module ends with a clear summary and a reflection prompt
- Participants report significantly greater clarity after each stage
Attentive Support
Questions about the course material are welcomed. We respond during office hours, typically within two working days. We do not provide personal financial guidance, but we are happy to clarify what a module means, how a worksheet should be completed, or how the course content connects to a participant's specific situation in general terms.
- Responsive email support Monday through Saturday
- Clear boundaries on what is and is not financial advice
- No upselling during or after course completion
Straightforward Pricing
Each course is priced at a single flat fee. There are no subscription models, no tiers of access, no add-ons that unlock material hidden behind the base price. What you pay for is what you receive — the complete course, all worksheets, and email support throughout.
- Course One: SGD 259 — five weeks
- Course Two: SGD 499 — eight weeks
- Course Three: SGD 829 — ten weeks
Measurable Shifts in Clarity
We track participant feedback at module level. The outcomes we hear most often are not financial — they are cognitive: a clearer picture of one's position, a shorter list of open questions, and a calmer sense of what the next decade actually requires. Many participants report that their first conversation with a financial adviser after completing a course was the most useful one they had ever had.
- Participant feedback collected after every module
- Material revised when recurring confusion is identified
- Over 400 adults have completed at least one course since 2019
How We Compare
A Different Kind of Financial Education
| Feature | Typical providers | Gotong Group |
|---|---|---|
| Singapore-specific CPF and regulatory content | ||
| No product referrals or affiliated providers | ||
| Self-paced with no session deadlines | ||
| Worksheets included at no extra cost | ||
| Content updated annually for regulatory changes | ||
| Non-evaluative tone — no judgement of past decisions | ||
| Addresses the non-financial aspects of retirement transition |
Distinctive Features
What You Will Not Find Elsewhere
The Household Balance-Sheet Method
Our proprietary approach to mapping a Singapore household's financial position — developed from six years of participant feedback — has helped over four hundred adults see their full picture in a single, organised document for the first time.
The Question List for Professional Meetings
Included in Course Two: a structured set of questions designed to make meetings with MAS-licensed advisers and lawyers more productive. Regularly updated as common regulatory queries shift.
Singapore Community Resource Directory
Included in Course Three: a curated, regularly updated directory of community, religious, volunteer, and social support resources across Singapore relevant to the early years of retirement.
The Calm Reflection Prompts
Each module in Courses Two and Three closes with a short, open-ended reflection prompt designed to encourage the kind of unhurried personal thinking that financial planning tools rarely allow.
Milestones
What We Have Learned Since 2019
400+
Adults completed at least one course
6+
Years of continuous development and refinement
3
Comprehensive courses covering the full pre-retirement arc
100%
Fee-only model — no product referral income, ever
These benefits are felt most clearly when you begin
Write to us or call, and we will help you find the right starting point for where you are now.
Get in Touch