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Starting Young on Financial Literacy

Financial literacy is important for making smart decisions involving money. But increasingly, research shows that the earlier one starts learning the topic about financial literacy, the better.

A paper from the Wharton School of the University of Pennsylvania found that even when it comes to something as simple as using websites and other technology to make financial decisions, people who start early are better equipped to use these tools.

In this dynamic age of social media and the rapidly expanding reach of the internet, our students are exposed at a very early age to the vagaries of making and spending money within the ephemeral context of the virtual world. Many grow up believing that the economics of online virtual world are parallel with those of the real world.

Our Young Savers programme aims to equip students as young as seven years old with the basic understanding of money, finance and the fundamentals of earning and spending. We believe that if we teach them at a very early age,  they are able to capitalise on these knowledge to arm themselves with the financial winning edge when they grow up.


Our Stories

IvP with Westgrove Primary

In 2012, we worked with West Grove Primary School to participate in the annual IvP (Innovation Programme) competition. Students were taught skills and strategies in generating ideas and evaluating solutions, conducting surveys to gather information on products, writing reports on their inventions and building prototypes. Through many sessions of fun, sweat and intense prototyping, students from the school managed to create two unique innovations:

Millionaire_bentoBento Box with Legs

This unique invention allowed individuals to eat comfortably with a bento box standing upright so that the person eating need not bend down too far to munch on his yummies. This invention has reduced discomfort and increased better digestion. The end result is less mess and more smiles.

An ergonomic table for students

Tables are oftentimes designed with adults and larger kids in mind. Very few designs take into account the ergonomic needs of children who are growing up. It is this group of users who are most at risk and have the most to benefit from due to their integral stage of growth. This product is designed with all the above-mentioned considerations in mind so that students can benefit from proper ergonomics and grow up with healthy posture habits.


Students will discover the fundamental traits of individuals who are financially savvy and independent. They will learn the characteristics of critical financial mindsets and behavioural changes to adopt. Students will also learn key financial and entrepreneurial concepts to prepare them for a journey of financial success.

Learning Outcomes

At the end of this programme, students will be able to acquire the attitude, knowledge, skills and tools to become financially more savvy individuals.


  1. Developing an Entrepreneurial Mindset
  2. Needs and Wants 
  3. Understanding Banking and Finance
  4. How to Grow Your Money
  5. Developing a Prudent Mindset
  6. Financial Goal Setting



  • Assembly talks conducted by individuals who have achieved financial success
  • Learning Journey to key financial institutions
  • Intensive soft-skills development 
  • Personal projects mentored by trainer



Students will be exposed to the economic and cultural diversity of ASEAN which is composed of over six hundred million unique individuals. They will also be introduced to the various financial systems and the comparative advantages that each ASEAN nation possesses.

Learning Outcomes

At the end of this programme, students will have an in-depth understanding of the various cultures and economic opportunities that ASEAN has and how economic imbalances between the member nations can be overcome by a single-minded purpose to improve the lives of others through charity, entrepreneurship and social change.


  1. Charity and Giving 101
  2. ASEAN and its People
  3. ASEAN and its Economy
  4. Fundamentals of Economics
  5. Developing an Entrepreneurial Mindset



  • Community engagement projects
  • Overseas Service learning opportunities 
  • Learning Journeys to key ASEAN centres
  • Co-developing projects with ASEAN counterparts



Students will learn all the tools and concepts in order for them to embark on their journey as a social entrepreneur. Students will understand how to set and create social value through entrepreneurial activities and how they can contribute to society as a social entrepreneur.

Learning Outcomes

At the end of this programme, students will be able to learn all the crucial skillsets of an entrepreneur and to work on actual social entrepreneurship projects.


  1. Innovation and Enterprise
  2. Fundamentals of Social Entrepreneurship 
  3. Project Management
  4. Entrepreneurship Skills 101
  5. Marketing Principles



  • Community engagement projects
  • Fusion with Mastereign Champions to identify potential projects 
  • Assembly talks conducted by real-life leadership practitioners
  • Participation in 2014 leadership congress
  • WITS Project implementation in school



Students will learn the concepts of ideation and prototyping through the acclaimed techniques of Design Thinking. Design Thinking is generally considered the ability to combine empathy for the context of a problem, creativity in the generation of insights and solutions, and rationality to analyze and fit solutions to the context.

Learning Outcomes

At the end of this programme, students will learn key ideation and prototyping strategies as they embark on a project in real time.


  1. Using Empathy to Innovate
  2. Ideation Techniques
  3. Prototyping Techniques
  4. Innovation and Enterprise
  5. Presentation Skills



  • Oriented towards an actual project
  • Output to be implemented after process
  • Assembly talks by noted innovators (TED talks style) 
  • Facilitated learning
  • Hands-on and highly dynamic style of learning




Students will learn about financial literacy through a race format where they will learn about the fundamentals of budgeting, saving and smart spending through dynamic games and activities.

Learning Outcomes

At the end of this programme, students will have a fun time learning about essential financial concepts through an activity-oriented challenge that is designed to educate and entertain at the same time.


  1. Budgeting and Saving
  2. Smart Spending
  3. How to Stretch your Dollar
  4. Developing a Healthy Financial Mindset
  5. Needs and Wants



  • Fusion with Mastereign Adventures to conduct race
  • Interactive learning stations at each juncture to ensure learning
  • Competition-like format
  • Outdoor venue



Students will be taught essential skills that would enable them to capitalise on the opportunities that the new economy has provided and perhaps position them to be the next internet millionaire in our country.

Learning Outcomes

At the end of this programme, students will be equipped with the skillsets that they can utilise to grasp opportunities in the new economy. They will also learn fundamental entrepreneurial skills to provide them with the complete package in their pursuits in this new age economy.


  1. App Development
  2. Internet Marketing
  3. Obtaining Venture Capitalist Funding
  4. Developing an Entrepreneurial Mindset
  5. Website Development
  6. Monetising from Social Media


  • Fusion with Mastereign Media Arts for hard skills development
  • Learning Journey to key entrepreneurial incubation centres
  • Assembly talks by young entrepreneurs
  • Project driven courseware



Students will learn how to gather and analyse information and gain critical thinking skills that will be useful in the future. This programme combines a strong technical background with a good understanding of the societal effects of innovation.

Learning Outcomes

At the end of this programme, students will be able to understand the fundamentals of innovation and the tools that they need to convert their innovation into an entrepreneurial opportunity.


  1. Ideation Techniques
  2. Scamper
  3. Presentation Skills
  4. Market Research
  5. Business Implementation 




Students will be taken through the product design process to design prototypes of functional items that are both trendy and marketable.

Learning Outcomes

At the end of this programme, students will be producing an actual e-commerce website with actual products marketed to niche customers.


  1. Product Sketching
  2. Scamper and Brainstorming
  3. Understanding Design Space
  4. Analytical Thinking
  5. Understanding Design Process



Students will be taught the essential skill sets that will spur their interest in e-business retailing. With entrepreneurship and marketing being integrated with website designing, students will learn to create a website for retail and be taught to use social media to reach their target audience.

Learning Outcomes

At the end of this programme, students will produce an actual e-commerce website with actual products marketed to niche customers.


  1. Website Design 
  2. Understanding Marketing and Sales
  3. Understanding SEO and Social Media
  4. Stock Taking and Business Administration 
  5. Customer Analysis




Students will be exposed to the essential traits and knowledge to ‘financial freedom’ from whichever level or situation that they are in. Values and knowledge of saving, wise spending and integrity will be heavily infused in this programme.

Learning Outcomes

At the end of this programme, students will be able to consciously change their behaviours and attitude towards financial management through the skillsets and tools that they will learn.


  1. Spending Wisely 
  2. Savvy Saving
  3. Stretching your Dollar
  4. Needs and Wants 
  5. Budgeting and Goal Setting



Students will learn about the history of insurance and the importance of insurance for financial and family protection. They will also have an overview of the different types of insurance and the areas covered.

Learning Outcomes

At the end of this programme, students will be empowered to make wise financial decisions by having a fundamental understanding of the common financial instruments that are available in the market.


  1. History of Insurance 
  2. How the Economy works
  3. Insurance Basics
  4. Needs Analysis – Understanding Yourself



Students will be shown that the application of Maths goes beyond the classroom and into the marketplace. Through the use of real life business examples, concepts such as Profit/Loss and Breakeven will be introduced to students in a dynamic and interactive way.

Learning Outcomes

At the end of this programme, students will possess a heightened sense and realisation of the application of Maths in everyday life.


  1. What is a Profit
  2. Breakeven Analysis
  3. The Concept of Interest 
  4. How Prices Work


Students will learn in-depth techniques employed by retailers in commonly visited places, from supermarkets to shopping mall boutiques and furniture shops.



Students will learn that it is possible for organisations to remain profitable and ethical, where corporate social responsibility is practised in the marketplace.



Students will learn the importance of saving their allowance from an early age and how to cultivate this habit till they reach adulthood. Financial planning, good and bad money habits will be covered.



Students will learn about the theory of demand and supply as well as a real worldview of the market structures in Singapore.



Students will learn about the aspects of managing businesses effectively with good customer management skills as well as project, time and change management skills.



Students will be introduced to how the stock markets work. Through the use of online stock trading games or paper trading simulations, students will get to put their analytical and judgement skills to the test.



Students will understand the process of learning accounting in a fun way with the use of a board game in order to reinforce the accounting knowledge concepts taught.



Students will improve their creative and problem solving skills, where they will be taken through the process of idea generation to idea selection and implementation.



Students will acquire knowledge in professional business etiquette. Training in the aspects of formal business dress codes and mannerism as well as a practical dining session will be conducted in this programme.