About Pelangi
A Measured and Patient Approach to Financial Learning
Pelangi was founded with one clear idea: that adults deserve a space to understand money without being sold to.
Our Story
How Pelangi Came to Be
Pelangi opened its doors in Singapore in 2018 after its founders noticed a persistent gap in the financial education landscape. There were plenty of places for younger adults to learn the basics, and plenty of advisory firms for those with enough assets to justify a relationship. But for adults in their forties and fifties â people with complicated lives, real assets and genuine questions â there was almost nowhere that offered calm, unhurried conversation without the undercurrent of a sales pitch.
The name Pelangi means "rainbow" in Malay, chosen because this is the season of life when the full spectrum of household matters becomes visible at once: ageing parents, children approaching adulthood, retirement on the horizon, a small business woven into the household accounts, a spouse who has been quietly left out of financial conversations for too long. Pelangi is built around that complexity.
Our programmes are designed to be attended rather than endured. Sessions take place in a seminar villa with a garden aspect off Beach Road â a setting chosen deliberately to feel nothing like a bank or a conference room. The pace is determined by participants, not by a fixed agenda. Printed materials are provided so that nobody has to take notes under pressure.
We are not a financial advisory firm. We do not sell products and we receive no commissions. What we offer is time, structure and the kind of plain-spoken explanation that a knowledgeable friend might offer â if that friend happened to have spent two decades working with household balance sheets across Singapore and Southeast Asia.
Our Mission
Pelangi exists to give adults in their forties and fifties the understanding they need to make their own financial decisions with clarity and calm â without being pushed toward any particular product, platform or plan.
The People
Who You Will Meet at Pelangi
Our facilitators come from backgrounds in financial planning, adult education and household advisory work. None of them sell products.
Lim Hwee Cheng
Lead Facilitator & Co-Founder
Hwee Cheng spent eighteen years as a financial planner before founding Pelangi. She leads the Open Verandah Money Talks series and the bespoke Quiet Garden Track.
Rajan Subramanian
Investment Course Director
Rajan designed the Rattan Investor Course and has led it across fourteen cohorts. His background is in institutional portfolio management and he has a particular interest in low-cost, index-based approaches.
Tan Wei Lin
Programme Facilitator
Wei Lin facilitates in both the group programmes and bespoke sessions. Her background spans adult education and CPF advisory, and she is especially experienced in conversations about retirement readiness.
Our Standards
How We Work
No Product Sales
Pelangi holds no financial product licences and earns no commissions. Fees cover facilitation time and materials only.
Full Confidentiality
Household details shared in bespoke sessions are kept strictly private. Group settings use first names only and do not require disclosure of personal figures.
Qualified Facilitators
Each facilitator holds relevant qualifications in financial planning or adult education, with a minimum of ten years of working experience in their field.
Data Protection
Participant information is handled in accordance with Singapore's Personal Data Protection Act. We do not share or sell participant data to third parties.
Participant Feedback
Every programme ends with a written feedback form. Facilitators review responses after each cohort and adjust session content accordingly.
Calm Environment
Sessions are held in a seminar villa with natural light and a garden view â a setting chosen specifically to make financial conversations feel less pressured.
Financial Education Designed for a Particular Stage of Life
Adults in their forties and fifties in Singapore are often managing a level of financial complexity that simply did not exist earlier in their lives. CPF is no longer abstract â it is approaching the horizon. Ageing parents may be drawing on savings. Property decisions are layered with tax and succession considerations. A small business, if one exists, needs to be thought about separately from the household. And for many couples, these topics have never been sat down and worked through together.
Pelangi's programmes address this particular complexity. Rather than offering broad introductory material aimed at younger earners, sessions are built around the actual questions that arise at this stage: What does my CPF look like at sixty-five? How should I be thinking about my portfolio as retirement comes into view? What are the costs I am paying but cannot see? How do I bring my spouse or adult child into these conversations?
The facilitators at Pelangi have spent their careers working with households at exactly this stage. They are not there to tell participants what to do. They are there to explain clearly, to answer questions patiently, and to give each participant enough grounding to make their own decisions with more information and less anxiety.
Take a Step
A Conversation Costs Nothing
If you would like to understand which programme might suit your household, or simply have a question before making a decision, we welcome a preliminary conversation.
Get in Touch