Reading Catalogue
Three programmes. Three aspects of household finance vocabulary.
Each programme addresses a distinct area of household financial literacy for adults in Singapore aged 40 and above. All are reading-led, all run in small cohorts, and none involve financial advice.
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How Tovrik programmes are structured
Each programme begins with the reading. Participants receive a chapter or set of materials before the session, so the group can start its discussion from a common point of reference rather than spending session time on introductory explanation. This is the central discipline of the reading-led format: the text comes first.
Sessions run in small cohorts — between eight and twelve participants — which allows for genuine discussion rather than a question-and-answer format. Facilitators guide the conversation and help with vocabulary but do not offer commentary on individual participants' circumstances. The educational boundary is maintained throughout.
Printed materials accompany each programme. These are not handouts to be filed away. They are designed to be kept and returned to when the relevant document, decision, or conversation arrives in the participant's own household.
Before
Chapter sent to participants in advance
Session
Small-group reading discussion with facilitator
Between
Reflection time with printed materials at home
After
Materials kept for reference in real situations
Six-Week Programme
Late-Career Reading Series
A six-week reading series for adults aged 48 to 60 on the vocabulary of late-career household finance. The programme covers phased reduction in working hours, the structure of Singapore's national retirement income components, and the language used in employer benefit documentation. Reading-led and educational; not advisory.
- Weekly advance reading, small-group discussion
- CPF OA, SA, RA structure and vocabulary
- Employer benefit and retirement documentation language
- Clothbound reading binder, weekly summary cards
- Private cohort discussion notebook
Programme fee
S$880
Duration
Six weekly sessions
Cohort size
Up to 12
Weekend Workshop
Household Coordination Reading Workshop
A weekend reading workshop on the language and frameworks of household financial coordination. The workshop covers partner conversations, multi-generational coordination, and the standard rhythms of household money meetings. Participants work through a structured workbook of scenarios across two days. Educational in nature; no advice or product recommendations are offered.
- Scenario-based workbook across two full days
- Partner and multi-generational conversation frameworks
- Household money meeting structure and vocabulary
- Printed workbook and conversation card set included
- Access to a small follow-up reflection circle
Programme fee
S$220
Duration
Two-day weekend
Cohort size
8–12
Four-Session Circle
Document Organisation Reading Circle
A four-session reading circle on the language and frameworks of organising household personal finance paperwork in Singapore — bank correspondence, insurance documents, CPF statements, mortgage paperwork, and personal records. Reading-led, with structured reflection between sessions on the participant's own household paperwork. Educational; no advice is offered.
- Bank correspondence and CPF statement vocabulary
- Insurance document and mortgage paperwork frameworks
- Reflection between sessions on your own documents
- Printed organising workbook and digital templates
- Reusable physical folder system included
Programme fee
S$170
Duration
Four sessions
Cohort size
8–12
Decision Guide
Which programme suits your situation
The three programmes address different aspects of household finance vocabulary. Some participants do more than one. The table below may help you identify a starting point.
| I am primarily interested in… | Late-Career Series | Household Coord. | Document Circle |
|---|---|---|---|
| Retirement income vocabulary and CPF structures | — | — | |
| Phased reduction in working hours language | — | — | |
| Household conversations about money with a partner | — | — | |
| Multi-generational financial coordination vocabulary | — | — | |
| Organising CPF statements and bank correspondence | — | — | |
| Managing mortgage and insurance documentation | — | — | |
| Programme fee | S$880 | S$220 | S$170 |
Schedule Plate
Programme fees and format at a glance
Late-Career Series
S$880
Six-week programme
- Clothbound reading binder
- Weekly summary cards
- Cohort discussion notebook
- Six facilitated sessions
Household Workshop
S$220
Weekend — two days
- Printed scenario workbook
- Conversation card set
- Follow-up reflection circle
- Two full facilitated days
Document Circle
S$170
Four-session circle
- Printed organising workbook
- Digital templates
- Reusable folder system
- Four facilitated sessions
Shared Standards
What every Tovrik programme upholds
No advisory boundary crossed
Facilitators are trained to remain within educational scope. No personal financial commentary; no product mentions.
Participant privacy respected
Enrolment data is used for programme coordination only. Not shared with third parties or financial institutions.
Reading material reviewed each cohort
Content is checked for accuracy against current Singapore regulatory terminology before each new cohort begins.
Cohort size controlled
Places are capped and waiting lists maintained rather than expanding cohort size. Discussion quality is the priority.
Printed materials to a consistent standard
Physical programme materials are produced consistently and provided to participants at or before the first session.
Internal review after each run
Facilitators review each cohort's reading content and discussion before the next programme run. Observations are incorporated.
Enquire
Find the programme that suits your reading interest
If you are uncertain which programme fits your situation, send an enquiry describing what you are hoping to understand better. We are glad to describe the reading content of each circle and discuss which might be the right starting point.
Send an Enquiry