— About Bintang Capital
Built for Those Who Prefer to Understand Before They Decide
A small education practice founded in Singapore, offering financial literacy programmes for adults navigating the second half of their working lives.
Back to Home— Our Story
A Practice Founded on Patience and Clarity
Bintang Capital was established at 50 Raffles Place by a group of licensed financial advisors and former educators who shared a common concern: too many working adults in Singapore were reaching their forties with only a partial understanding of their CPF structure, retirement options, and investment instruments — not from lack of intelligence, but from lack of accessible education.
The name draws on the Malay word for star, a small nod to the tradition of celestial navigation — the practice of reading patient, fixed points in the sky to determine where you stand and where you are heading. That is, in essence, what we help people do with their finances.
We do not sell investment products. We do not manage funds. Our programmes are designed to give participants the vocabulary, the framework, and the confidence to assess their own situation — and to have more productive conversations with advisors, family members, and themselves.
Our courses run in small groups of eight to fourteen, deliberately, so that there is space for the kind of discussion that classroom-sized programmes cannot accommodate. We believe that understanding comes from engagement, not passive receipt.
"To make sound financial thinking accessible to every Singaporean approaching retirement, regardless of their starting point."
- Clarity over jargon. We use plain language because financial education should not require a glossary.
- Respect for autonomy. We inform. Participants decide. There is no sales pressure, at any point.
- Realistic expectations. Our courses do not promise outcomes. They build capability. The two are different.
- Depth over speed. We pace our programmes so that participants absorb and reflect, rather than simply being exposed.
— The Team
Experienced Practitioners Who Teach from the Field
Liang Teck Wong
Lead Facilitator
Liang Teck holds an MAS-regulated financial advisory licence and spent fourteen years in private banking before moving to education. He leads the CPF LIFE and annuity programmes with a focus on calm, structured explanation.
Siti Rahimah Bte Yusof
Course Designer
Siti Rahimah combines a background in adult education with a decade of work in retail investment advisory at SGX. She designed the workbooks and pacing structure used across all three programmes at Bintang Capital.
David Rajan Pillai
Retirement Specialist
David brings specialised knowledge of private annuity structures and SRS accounts. He facilitates the Q&A sessions in the Understanding Annuities course and contributes regularly to the mid-life finances curriculum.
— Standards & Approach
How We Maintain the Quality of What We Teach
MAS-Aware Curriculum
Course content is reviewed against current MAS guidelines and CPF Board materials to ensure accuracy and compliance with regulatory communication standards.
Annual Content Review
We update all course workbooks and materials each year. Interest rate changes, CPF payout adjustments, and new instruments are incorporated before each intake cycle begins.
Post-Course Feedback
Every participant completes a structured review at the end of their programme. We read every response and use them to refine both content and delivery for the next cohort.
Data Privacy
Participant information is handled under Singapore's PDPA. We do not pass data to third parties or use it for marketing beyond what was agreed at enrolment.
Licensed Facilitators Only
All session facilitators hold valid relevant licences under MAS regulation. We do not use associate or student facilitators for course delivery.
No Product Sales
Bintang Capital does not distribute or sell financial products of any kind. This separation protects the educational integrity of every programme we run.
— Our Expertise
Financial decision-making in the decade before retirement involves a different set of considerations than earlier working life. CPF contribution rates, Retirement Sum thresholds, payout age options, and the interaction between CPF LIFE and private annuity structures each require some fluency to evaluate properly. Bintang Capital's programmes are built around these specific decision points.
Singapore's financial landscape offers distinctive instruments — SGX-listed REITs, Singapore Savings Bonds, SRS accounts, and the CPF LIFE payout framework — that are often poorly understood by those who hold them. Our courses address the mechanics of each instrument from first principles, with worked examples drawn from the local market.
We serve primarily those aged forty and above who are beginning to think more seriously about the shape of their retirement income. Many participants come having already accumulated some CPF savings or investment holdings, but without a clear picture of how the pieces fit together. Our role is to provide that picture, clearly and without commercial motivation.
— Enrol
Interested in Attending a Course?
Send us a message to ask about upcoming cohort dates or to find out which programme fits your current situation.
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