01
What Each Asset Is For
Five kinds of asset compared on four axes, and every holding the learner has entered with enough detail to read.
- Access, volatility, diversification, roleIn the room, 45 min
- Your holdings, enteredExercise, 30 min
Academy
Build Wealth with Intention
Read what you already hold before you buy any more of it: its role, its cost, its spread and its drift from a target you set yourself, then write the contribution and rebalancing rules you will run.
- Level
- Applied
- Format
- Instructor-led
- Length
- 4 hours over 3 weeks, 7 lessons
- Classes
- 3 live
Next class Starts Feb 6, 2027, 3 classes over 3 weeks, in the room and live online, Cashmere Studio, 71 Ayer Rajah Crescent
What you will be able to do.
- Asset roles
- Holdings
- Expense ratios
- Diversification
- Rebalancing rules
- 01compare cash, CPF, bonds, ETFs and shares by access, volatility, diversification and role
- 02record every holding with enough detail to read the portfolio
- 03read what the portfolio costs, and name the holdings whose cost is missing rather than calling them free
- 04set a target diversification and calculate the drift from it
- 05write a wealth strategy with a contribution rule, rebalancing triggers and a risk boundary, with no product picked
Module by module.
02
Cost and Spread
What the portfolio charges each year, read only from the holdings that state a ratio, and how far its spread sits from a target the learner chose.
- What it costs to holdIn the room, 45 min
- Every ratio, enteredExercise, 30 min
- A target, and the drift from itExercise, 30 min
03
Rules, Not Picks
A strategy that says how much goes in, when the spread is corrected and how far it may stray, and stops short of naming a product.
- Contribution, rebalancing, boundaryIn the room, 45 min
- Your wealth strategySelf study, 25 min
Ends in an assessment: 4 questions, pass mark 70%, 3 attempts.
Who it is for
- Anyone holding a few funds and two single stocks bought on different advice, with no rule tying them together.
- Anyone whose CPF and cash are most of what they have, wondering what the rest is for.
What you need first
- A Cashmere Pocket with holdings entered, or a statement to enter them from. The exercises read them.
- Recommended: PF101, PF102 and PF201.
Asked before enrolling.
Who is this course for?
Anyone with a salary and no plan for it yet. No finance background is assumed, and nothing in it depends on following the markets.
What do I need before I start?
A browser and a Cashmere Pocket. Every exercise is done in your own Pocket, on your own numbers, and the course checks your Pocket to confirm each exercise is done.
Are classes recorded?
No. Classes are taught live by a person. The slides stay in the portal to read back at any time, with the checkpoints under them.
What if I miss a class?
The deck and its checkpoints stay open, so you can catch up in your own time. Missing a class does not stop you from completing the course.
Is this financial advice?
No. The course teaches you how to think about money and read your own position. It never offers a view on what to buy.
What do I leave with?
A completion record naming the course version you were taught, which you can export. It is not an accredited qualification.
A wealth strategy in your own numbers: holdings recorded and costed, a target spread, the drift from it, and the rules that move money toward it.
We reply within two working days.