Three programmes. Three chapters of adult life. One approach.
Each Veritane programme is built around a specific set of documents and a specific moment in household life. All are reading-led, discussion-based, and educational in scope.
Back to HomeThe Veritane reading methodology
Material distributed
Reading is sent ahead of each session
Participants read
Independently, at their own pace, before gathering
Cohort discusses
Facilitated discussion of the text in small group
Understanding kept
Printed materials taken home for reference
All programmes are purely educational. No regulated financial advice is offered at any point. Materials are drawn from publicly available Singapore government documentation and related public-domain reading. Facilitators guide discussion and clarify vocabulary; they do not direct financial decisions.
Programme One · 3 Sessions
Empty Nest Budget Reading Workshop
Designed for adults whose household has recently changed shape — children moving into their own homes, daily routines reorganised, and a household budget that was built around a family structure that no longer quite fits. The workshop works through a structured workbook of prompts and discussion questions across three evening sessions.
The reading is not designed to tell participants what to do with their household finances. It is designed to help them see their situation more clearly and find the language to discuss it — with a partner, with a family member, or eventually with a professional advisor.
- Three evening sessions, approximately 90 minutes each
- Printed reading workbook with prompts and ledger templates
- Access to a follow-up reflection circle after the programme
- Cohort size: 8–12 participants
Session outline
The household budget in transition
Reading and discussion of how household expenditure patterns shift when dependants leave. Workbook prompts on fixed versus variable costs and discretionary categories.
Reading your own ledger
Participants work with household ledger templates to map their own income and expenditure, guided by reading material on common categories and terminology.
Forward planning vocabulary
Introductory reading on the language used in household financial planning — not to plan, but to understand the terms well enough to navigate the relevant documents and conversations.
Best suited for adults aged 45–65 whose youngest child has recently moved out or is preparing to.
Reading schedule
The CPF structure — overview
Reading of CPF Board overview documentation. Discussion of the four-account structure and what each account is designed to hold.
Contribution and allocation mechanics
Reading of contribution rate tables and allocation rules. Discussion of how the split changes across age bands and what that means for the account balances participants see.
Withdrawal and withdrawal language
Reading of withdrawal eligibility documentation. Discussion of the vocabulary used in CPF annual statements and correspondence.
Reading your own statement
Participants bring their most recent CPF annual statement. The session is structured as a guided close reading, with vocabulary clarified and sections decoded together.
Best suited for Singapore citizens and PRs aged 45–60 who want to read CPF documentation with greater comprehension.
Programme Two · 4 Weeks
CPF Reading Group
A four-week reading group that walks participants through the structure of Singapore's Central Provident Fund. The programme covers the Ordinary, Special, MediSave, and Retirement accounts, contribution and withdrawal mechanics, and the language commonly used in CPF correspondence. A chapter of public scheme documentation is distributed before each weekly session.
The group meets weekly. By the end of the four sessions, participants report being able to read their CPF annual statement with considerably more comprehension than before — not because the rules changed, but because the vocabulary has been worked through together.
- Four weekly sessions, approximately 90 minutes each
- Printed reference binder and weekly glossary cards
- Private cohort summary newsletter after each session
- Cohort size: up to 12 participants
Programme Three · 6 Sessions
Sandwich Generation Finance Reading Circle
For adults aged 45–58 who are coordinating household finances across three generations simultaneously — managing expenses for their own household, maintaining awareness of their children's growing financial independence, and beginning to navigate the documentation surrounding ageing parents. This reading circle addresses the vocabulary and structures that govern each of these relationships.
The circle runs across six sessions. Pre-distributed reading materials form the basis of each discussion. The printed peer discussion notebook accompanies participants across all six weeks and is designed to be written in.
- Six sessions, for adults aged 45–58
- Printed reading binder and weekly conversation cards
- Peer discussion notebook — for notes across all sessions
- Cohort size: 8–12 participants
Reading topics across 6 sessions
Vocabulary of household coordination across generations — roles, documents, and shared responsibilities
Structure of multi-household communication — written and verbal, formal and informal
Language used in caregiver discussions and eldercare-related documentation
Intergenerational document organisation — wills, LPAs, insurance policies and how to read them
Family conversation frameworks — finding language for difficult household financial topics
Reflection and consolidation — reviewing what was read and what the cohort carries forward
Best suited for adults in their late forties and fifties managing responsibilities toward both parents and adult children.
At a glance — which programme fits your chapter?
| Feature | Empty Nest Workshop | CPF Reading Group | Sandwich Generation Circle |
|---|---|---|---|
| Sessions | 3 evenings | 4 weeks (weekly) | 6 sessions |
| Recommended age | 45–65 | 45–60 | 45–58 |
| Printed workbook | |||
| Reference binder | — | ||
| Follow-up circle | — | — | |
| Focus | Household budgeting post-children | CPF scheme structure | Multi-generational household finance |
| Programme fee (SGD) | S$240 | S$880 | S$170 |
Shared standards and protocols
Non-advisory throughout
No programme session includes financial advice. Materials and facilitators remain within an educational boundary at all times.
Participant privacy
Participant details are used for programme administration only. What is shared within a cohort remains with the cohort.
Source material quality
All reading materials are drawn from publicly available Singapore documentation, reviewed before each cohort cycle.
Small cohort design
Cohorts are capped to ensure every participant's questions have space in the discussion. Groups are never treated as audiences.
Printed material standard
All workbooks and binders are typeset for extended reading, with notation space. Reviewed for accuracy before each cohort.
Post-cohort review
Each programme is reviewed after each cohort. Participant feedback and facilitator notes are incorporated before the next cycle.
What each programme costs
Empty Nest Workshop
S$240
per participant, full programme
- 3 evening sessions
- Printed workbook & ledger templates
- Follow-up reflection circle
CPF Reading Group
S$880
per participant, full programme
- 4 weekly sessions
- Printed reference binder + glossary cards
- Private cohort newsletter
Sandwich Gen Circle
S$170
per participant, full programme
- 6 reading circle sessions
- Reading binder + conversation cards
- Peer discussion notebook
Not sure which programme fits?
Write to us with a brief note about where you are in life and we will suggest the most appropriate reading circle. There is no obligation at any stage.
Write to Us