Three programmes. Each built for a specific moment in life.
Whether you're navigating self-employment, building a long-term portfolio, or thinking carefully about your legacy — there's a structured pathway for you.
Back to HomeMethodology before content. Context before theory.
Each Fundara programme begins by establishing why the subject matters for someone in your specific situation. Theory is introduced only once there's a clear frame of reference for it.
Sessions progress from foundational to applied — ending with practical tools and personal context rather than abstract summaries. We schedule time for questions throughout, not just at the end.
Progressive Structure
Each session builds on the last
Singapore-Grounded
Local regulations, local context
Discussion-Led
Not a lecture, a conversation
Practical Outputs
Tools and documents to keep
Financial Literacy for Freelancers
A specialised programme for self-employed professionals, freelancers, and gig workers navigating Singapore's financial landscape without the structure of conventional employment. The programme covers income smoothing, tax obligations as a sole proprietor, invoicing and cash flow management, and how to build financial resilience when income isn't predictable.
The programme acknowledges the genuine flexibility and uncertainty of freelance work. Frameworks taught here are designed to adapt to variable earnings — not scaled-down versions of employee finance advice.
Key topics covered
- Income smoothing methods for irregular earnings
- IRAS tax obligations for sole proprietors in Singapore
- Invoicing discipline and receivables management
- Emergency fund structuring without employer CPF contributions
- MediShield Life and personal insurance considerations
Programme steps
- 01Foundations session — income patterns and financial health baseline
- 02Tax and compliance session — sole proprietor obligations and filing
- 03Resilience session — cash flow tools and buffer strategies
- 04One-on-one consultation applying programme content to your situation
Programme includes
- 3 structured learning sessions
- Freelancer Finance Toolkit (spreadsheets + templates)
- One personalised consultation session
- Written session summary
- Email follow-up support for 30 days
Programme includes
- 4 structured learning sessions
- ETF Comparison Spreadsheet (Singapore + international)
- Model portfolio discussion
- One personalised consultation session
- Written session summaries
ETF Investing: Building a Core Portfolio
An educational programme focused on exchange-traded funds as a primary building block for long-term wealth accumulation. Participants learn how ETFs work mechanically, the differences between index-tracking and actively managed ETFs, cost considerations including expense ratios and bid-ask spreads, and how to construct a core-satellite portfolio structure.
Both Singapore-listed ETFs and internationally accessible options are covered. The programme takes a measured, research-based perspective and provides tools for ongoing self-directed analysis — not a single allocation recommendation.
Key topics covered
- How ETFs are structured and how they trade
- Expense ratio analysis and total cost of ownership
- Index-tracking vs active ETF comparison
- Core-satellite portfolio construction principles
- SGX-listed and global ETF options for Singapore residents
Programme steps
- 01ETF mechanics — structure, creation, redemption, and trading
- 02Cost analysis — fees, spreads, and what actually affects returns
- 03Portfolio design — asset allocation and diversification principles
- 04Application — model portfolio review and self-directed analysis tools
- 05One-on-one consultation applying learning to your circumstances
Estate and Legacy Structuring
A comprehensive advisory service for individuals who want their assets distributed according to their wishes, with minimal complexity for the people they leave behind. The programme covers will preparation considerations, Lasting Power of Attorney, trust structures, CPF nomination, insurance nomination alignment, and the legal implications of intestacy in Singapore.
Legacy planning carries emotional weight. This programme proceeds at the participant's pace, and sessions are structured to be thorough without being pressured. Where legal formalisation is needed, we can facilitate referrals to vetted professionals.
Key topics covered
- Will preparation — considerations and common errors
- Lasting Power of Attorney (LPA) in Singapore
- Trust structures relevant to Singapore residents
- CPF nomination and alignment with insurance nominations
- Singapore intestacy laws and what happens without planning
Programme steps
- 01Asset overview — understanding what you have and how it's held
- 02Will and LPA — considerations, process, and common pitfalls
- 03CPF and insurance nominations — alignment and common gaps
- 04Trust structures and beneficiary planning
- 05Summary session — written recommendations and next steps
Programme includes
- 5 advisory sessions
- Legacy planning checklist
- Written summary of recommendations
- Referral coordination with legal professionals
- Instalment payment option available
Find the right fit for where you are now.
| Freelancer Finance | ETF Investing | Estate & Legacy | |
|---|---|---|---|
| Duration | 5 weeks | 6 weeks | 10 weeks |
| Price | SGD 310 | SGD 550 | SGD 1,050 |
| Personalised consultation | |||
| Written summary | |||
| Spreadsheet / toolkit | Checklist | ||
| Legal referral coordination | |||
| Best suited for | Self-employed / gig workers | Long-term investors | Legacy planning |
Shared across all programmes.
Data Protection
All participant data is handled under Singapore's PDPA framework.
MAS Awareness
Content is informed by current MAS guidelines and Singapore regulations.
Qualified Facilitation
Each programme is led by a practitioner with direct subject matter experience.
Annual Content Review
Materials are updated each year based on participant feedback and regulatory changes.
Not sure which programme is right for you?
Reach out and we'll have a brief conversation about your situation. There's no commitment involved — just a chance to find the right starting point.
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