About the Organisation
A Study Space Built Around Your Questions
Kaya Legacy was founded on a simple observation — many experienced adults in Singapore hold unit trusts they were never fully helped to understand.
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Why Kaya Legacy Exists
Kaya Legacy grew out of a conversation that kept repeating itself. Adults in their forties and fifties — many of them careful, experienced people — would describe sitting across from a bank relationship manager, being shown a unit trust, and nodding along without fully following what was being described. They were not unintelligent. The terminology simply had never been explained to them.
The organisation was established in Singapore to address that gap directly. Not through advice — we do not provide financial advice and are not an advisory firm — but through careful, neutral education. The aim is to give adults the vocabulary and the conceptual framework to engage with their own holdings more clearly.
We named the organisation after a word that carries its own quiet weight in this part of the world. Kaya — a preserve made slowly, with care — felt like a fitting metaphor for how we approach the study of long-term financial understanding.
Our Mission
What We Set Out to Do
Our mission is to make the structure of collective investment schemes — their fees, their documents, their role within a household — genuinely understandable for adults who have not had a reason to study these things formally.
Neutral by design. No product recommendations. No commissions. No sales pressure in any form.
Singapore-grounded. All material references MAS frameworks, CPF processes, and the local regulatory environment.
Unhurried and respectful. Study materials are written for people with full lives, not for those who need urgency added to their reading.
The Team
The People Behind the Reading Tables
Lim Wei Shan
Founder & Lead Educator
Spent eighteen years in institutional fund administration before turning to education. Writes the course materials and believes that clarity is a form of respect.
Rajesh Nair
Curriculum & Content
A former compliance officer who now brings his understanding of regulatory documents into the study materials — translating MAS disclosure frameworks into ordinary language.
Clara Tan
Student Experience
Manages how learners move through each course and collects the questions that arrive between sessions — many of which find their way into future course revisions.
Our Standards
How We Hold Ourselves to Account
Editorial Neutrality
Course content is reviewed for any language that could be read as recommending a category of investment. We write about structures and documents, not about what to buy.
Regular Material Reviews
Regulatory references and CPF-related content are reviewed when MAS or CPF Board publish significant changes. Learners are notified when a course section has been updated.
Privacy and Data Care
Learner information is handled in accordance with Singapore's Personal Data Protection Act. We do not share personal data with financial product providers.
Curriculum Depth
Each course is written to extend across enough weeks that concepts can settle between sessions. We deliberately avoid compressing understanding into a single day.
Responsive to Learners
Questions submitted during a course are collated and, where they identify a gap in the materials, addressed in a written supplement distributed to all current learners.
MoneySense Alignment
Where applicable, course materials reference MAS MoneySense resources and regulatory disclosures so learners can verify information against official Singapore sources.
Financial Education Grounded in Singapore's Fund Landscape
Singapore adults who have accumulated savings across CPF, bank deposits, and investment products often find themselves in a position where the documents in front of them — factsheets, prospectuses, Product Highlights Sheets — contain terminology that was never fully explained. Kaya Legacy addresses this directly by providing structured, descriptive education on unit trusts and collective investment schemes, without any commercial relationship with product providers.
The courses draw on the regulatory framework set by the Monetary Authority of Singapore, including the disclosure requirements that govern how fund managers present performance, fees, and risk indicators. Understanding how these disclosures are constructed helps adults ask better questions of their advisers and review their own holdings with greater clarity.
Kaya Legacy operates from Tanjong Pagar, a district familiar to many in Singapore's working and professional community. Courses are delivered in written form, structured for weekly reading, and designed around the observation that adults in their forties and beyond bring significant life experience to any study — and deserve materials that acknowledge that.
Ready to Begin
A Good Place to Start Is the First Reading Table
Course One begins with what a unit trust actually is — the kind of explanation that is rarely offered at the point of sale but makes everything else easier to follow.
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