Stories Of Impact
Following His Calling In Planned Giving
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Stories Of Impact

Stories Of Impact

Following His Calling In Planned Giving

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Allen Lim holding a microphone

This article first appeared on CFS’s Legacy Giving Website. To find out more about Legacy Giving, please click here.

As a trainer at the Insurance and Financial Practitioners Association of Singapore (IFPAS), I found my calling in the field of estate planning and planned giving. Giving is a good intention; planning is a wise action; and planned giving ensures you can leave a legacy and take care of your loved ones.

Do you need to wait until you are wealthy to start giving? For Allen Lim, the answer is an emphatic no, but with one distinct caveat. “It’s very important that giving takes into account your and your family’s financial security,” insists Allen, “That’s why planning is crucial, because with the right strategy, you can do both.”

Though Allen says his father’s ways never threatened his family’s security, he also saw how his actions sparked disputes with his mother. That’s why as a financial professional today, Allen advocates taking the middle way.

Having found his “calling” as a trainer in planned giving, he is enthusiastic about raising awareness on this area of practice amongst financial advisors. His days as the Head of Training and Education at the Insurance and Financial Practitioners Association of Singapore (IFPAS) include everything from curating courses on planned giving to lecturing on the latest methodologies.

“Many financial advisors today stop at estate planning. Planning giving goes one step ahead,” reveals Allen, “Through holistic financial planning, a professional can help ensure that giving does not compromise the financial security of the family, while also strategising the most effective asset to complete the giving intention with the best possible outcome.”

And with Singapore’s changing demographics – from a greater number of singles to couples without children – more wealth is being directed outside of one’s family. Allen says financial advisors need to keep up with these trends and engage in these changing conversations.

“Planned giving is an important part of the equation,” he says, “Not only does it help deepen your relationships with your clients, helping to grow the number of legacy gifts to benefit our charities could contribute to well-being in our society.”

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[Webinar] Facilitating Philanthropy: Taxation, Structures and Legacy Giving

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We would like to give a big thank you to the Law Society of Singapore and the Singapore Management University’s Centre for Commercial Law in Asia for inviting our CEO, Ms Catherine Loh, to be a part of the panel for the Facilitating Philanthropy: Taxation, Structures and Legacy Giving webinar. 

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Stories Of Impact

Over $9 million raised for CFS’s Sayang Sayang Fund benefitting over 130,000 beneficiaries

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The Community Foundation of Singapore (CFS) launched the Sayang Sayang Fund (SSF) in Feb 2020 as an emergency response fund, aimed to benefit Singapore’s underserved communities impacted by COVID-19.

As a result of the keen generosity from Singapore’s general public, over $9 million had been raised, enabling the SSF to expand its scope to support nine initiatives to ensure that the most vulnerable in Singapore’s communities did not fall through the cracks. This was made possible through CFS’s highly proficient understanding of grantmaking and close collaboration with our valued community partners. This was swiftly translated into impact supporting 298 grantee organisations and 136,000 beneficiaries.

“It is with great pleasure that we thank all our partners and donors for their unwavering generosity in such times of adversity. CFS is honored to have brought together so many people from all walks to life to help those most vulnerable in need. 

Without everyone’s support, neither the Sayang Sayang Fund nor its initiatives would have been birthed. We are humbled and proud of the part that CFS has played to be able to be in such a privileged position to do what we did,’’ says Joyce Teo, Deputy CEO of CFS.

Some of the initiatives that were supported by the SSF included SeniorsOK@Home, which provided relief to seniors unable to leave their homes because of social distancing measures, Recess@Home, which provided meal subsidies for needy students during their Home Based Learning (HBL) period and MigrantsOK@Home, which extended care towards our migrant workers in the form of free top-ups in their prepaid cards to call their loved ones at home.

The emergency response funds were able to reach recipients promptly due to the Fund’s nimbleness, alongside the combined efforts of informal grassroots networks and community groups outside of the regular charitable bureaucratic systems.

A summary on the SSF funds disbursed so far

CFS aims to disburse all of the donations raised to our allocated partners and beneficiaries. To date, over $7 million has been disbursed. The charity partners were required to provide a comprehensive report on how these funds were used and whether they were fully utilised.

Giving relief to migrant workers

CFS worked with Humanitarian Organization for Migration Economics (HOME), Migrant Workers’ Centre (MWC) and Transient Workers Count Too (TWC2) to provide funding for our migrant workers, whose assistance has been invaluable and support to this community would not have been possible without their help.

In total, $200,000 had been disbursed by the MigrantsOK@Home initiative through our partners, benefitting 90,000 migrant workers with care packages and free prepaid top ups.

“We are very happy to have CFS partner with us to support our migrant workers in the factory-converted dormitories,” says MWC Chairman Yeo Guat Kwang. “We are really very thankful to everyone for giving a helping hand to our migrant workers in this challenging time.”

Aiding the elderly with AIC

More than $1.5 million was also disbursed to seniors for assistance through the SSF through the SeniorsOK@Home initiative, who received immediate aid, food supplies, necessities and medical supplies.

CFS collaborated closely with the Agency for Integrated Care (AIC) and other agencies to distribute relief to this particularly vulnerable community. Much needed funding was delivered to nursing homes and other community care providers to enhance precautionary measures during the pandemic, and also to ensure the safety and wellbeing of the staff and residents of more than 90 community healthcare organisations.

300 infrared thermometers were also developed and distributed by CFS through the initiative, and helped to reduce the manpower required for temperature taking at nursing homes, hospices and eldercare centers, where manpower was sorely lacking during the COVID19 period.

‘’During this period, it is important that we combine efforts with our partners to support seniors in a timely manner. The Sayang Sayang Fund, within a short time frame, has helped to channel significant and meaningful support for our Community Care partners and seniors,’’ says Tan Kwang Cheak, CEO, AIC.

Distributing meals to needy students with the Ministry of Education (MOE)

Much credit goes to CFS’s partnership with the Ministry of Education with the Recess@Home initiative. The persistent efforts of the dedicated civil servants in MOE shone through, as they worked tirelessly with CFS in disbursing funds to needy students in the fastest way possible.

More than $1.3 million has been disbursed through MOE to the Recess@Home initiative and helping more than 28,000 needy students to receive their meals. The subsidies were disbursed via top-ups to the students’ School Smartcard which students could use to purchase food and essential groceries at some hawker centres, food courts, minimarts, convenience stores and supermarkets.

“Thank you for helping us with our daily expenses during the circuit break period. It really helped our family financially as our parents do not have enough money to give us pocket money every day. Having this really helped us because sometimes we try to save the money our parents give us. We are really grateful because not many people have this opportunity.’’ said Primary 6 sisters, Liyana and Hanayani.  

Putting a roof over the heads of rough sleepers with SafeSleep@Home

For the initiative SafeSleep@Home, almost $200,000 was disbursed to help more than 300 rough sleepers to find shelter during the circuit breaker period and obtain more permanent housing in the long term. The funds also went towards providing them with daily necessities and food supplies.

CFS has collaborated with four charity partners to provide temporary housing, overhead support, and home transition funds for over 300 individuals, including families. About 10 percent had successfully transitioned into long-term permanent housing, while the rest are in the process of doing so.

Other Community Grants disbursed by CFS

Through our community partner Filos Community Services, CARE packs were distributed to 250 vulnerable and isolated elderly and 50 low income families. These CARE packs contained tip sheets on hygiene, hand washing, use of masks, home exercises and helplines. Essentials such as antiseptic soaps, dettol, vitamin c, tissue packs, stretch bands or water bottles to be used for home exercises, thermometers, biscuits and milo, hand sanitizer and masks were also included.

CFS also supported community partner Petapis, and provided funds to purchase essentials to 4 of their residential welfare homes to mitigate the risks of the infection such as personal protective equipment (PPEs) and thermometers. 300 beneficiaries benefitted from the essentials that the funds provided.

“The Sayang Sayang Fund’s measure of success is not by how much it has raised, but by the number of smiles on the faces of all the people it has helped. I feel tremendous gratitude for our partners both government and community, who have come together so compassionately to give aid to those in Singapore who are most in need. Thank you for your steadfast efforts and generosity,’’ says Catherine Loh, CEO of CFS.

To find out more about Sayang Sayang Fund, please visit

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Leaving a legacy of giving

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Leaving a legacy of giving

Four prominent personalities in the community tells us why they desire to make a long-term impact on society by giving back in their own ways.

Nadia Ahmad Samdin

What is the gap you’ve seen in society’s support of at-risk youth?

Serving as a panel adviser to the youth court and later as a befriender of girls who have done reformative training, I’ve witnessed how at-risk youth and juvenile offenders, who have experienced difficulties, were overcome with feelings of dejection, lack of direction and, oftentimes, betrayal by adults who could have better supported them.

For many, time in institutions or shelters is the difference between being able to access resources such as a safe place to sleep and participate in programmes that build discipline, and getting mental health support.

As a community, we must nurture and empower at-risk youth, especially girls, so they will be able to make better choices and have access to ongoing support. I am an advocate for earlier, consistent intervention followed by better rehabilitation and reintegration upon release. How we embrace them as a society matters.

Why do you feel that being a donor is important, especially for the youths in our society?

A dear mentor once said to me, “Youths are approximately 25 per cent of our resident population today – but 100 per cent of the future.” Giving a young person a chance can be life-changing. It also builds confidence to face the future.

As a donor, beyond the actual funds channelled to scholarships, bursaries, or programmes, your act demonstrates to the youths that someone believes in their potential and provides motivation.

How have your personal experiences impacted your mindset as a lawyer as well as your support of underprivileged families?

I would not have been able to go to law school without financial aid, motivation from mentors and the sacrifices of my family.

Minority women are sometimes under-represented in some of the spaces I serve in. I hope that, in a little way, my efforts will build on the paths of those who came before me and encourage more people to step up and contribute to building Singapore and the future we wish to see.

How do you feel the pandemic has affected the lives of the at-risk youths you work with and their families?

Home-based learning and working from home has been tough for all – and especially for those in one- or two-room flats, adding considerable pressure for sole breadwinners. A number of these families live pay cheque to pay cheque and some bad decisions can feel insurmountable and irreversible. For example, some young mothers are unable to make ends meet and resort to mixing hot water and condensed milk to feed their babies.

The pandemic has also forced those who never had to ask for help before to reach out for aid. The way we live has shifted radically and support must be calibrated for different families in need, ensuring people are not priced out of opportunities here in Singapore.

Hian Goh

What is the gap you’ve seen in society’s support of innovators and entrepreneurs in Singapore?

Today’s Singapore is a developed and well-educated country with strong industries and a bedrock of good law and order built on the foundation of centralised state planning and effective government. Talented Singaporeans have thrived and have many options to be a working professional and make a good living. However, we are also risk-averse.

For Singapore to continue its journey of prosperity and economic development, we need more people to execute new ideas, disrupt industries and create new markets. To do that effectively, we need capital to support these ideas. That is why I decided to become a venture capitalist after my entrepreneurial journey.

How have your personal experiences impacted your mindset in supporting the next generation of gamechangers?

When I was an entrepreneur, there were many times I faced seemingly insurmountable challenges, and it looked like there was no way to solve the problem at hand.

However, through sheer persistence, tenacity and, more importantly, mentors and investors who supported me, I managed to conquer those challenges. This proved to me that a support network of like-minded individuals is essential to increase the probability of success in life.

How has legacy giving changed the way in which you are able to contribute to the support of innovators and entrepreneurs in Singapore?

Once you decide to embark on the legacy journey, it is very important to focus on the programmes which you feel will help your chosen cause. In my case, innovation in Singapore.

To that extent, having someone to guide you on this journey is very important. The Community Foundation of Singapore provides such guidance on a wide range of issues that allows someone like me to work on starting a foundation which, ultimately, will become my legacy and impact many people in the years to come.

Do you feel that age impacts who can be the next greatest innovators or gamechangers?

No. It’s a mindset. I’ve seen older people with flexible minds who can learn from their mistakes. I have also seen younger people too scared to take the leap even though they have nothing to lose. It’s really not a relevant factor.

Dr Audrey Looi and Dr Ang Beng Ti

What is the gap you’ve seen in society’s support of the visually impaired?

When our son James was diagnosed with Stargardt macular dystrophy in 2009, we discovered that support services for children with low vision were not available in Singapore.

In other developed nations, structured low vision programmes already exist. These allow a child’s remaining functional vision to be assessed so a tailored programme can be crafted to facilitate his or her integration into mainstream schools, and to function in a sighted society.

This would include access and training to assistive technology, training in orientation and mobility, and the learning of Braille where indicated. iC2 PrepHouse was set up with these initiatives in mind.

Why do you feel that being a donor and contributing to a cause is important?

Although low vision is a low-incidence disability, affected families are severely impacted. Without the right support by trained vision teachers, there is little chance for the affected child to reach his or her full potential. Our contributions make a difference.

How have your personal experiences impacted your work with healthcare and your support of iC2 PrepHouse?

We have been fortunate that through our combined efforts with our fellow iC2 Board members – all of whom are professionals in the areas of education, law and finance – we have been able to surmount the challenges faced by James as he successfully navigated his way through mainstream school and currently through his undergraduate studies.

Knowing the kind of support needed for this journey, it was not difficult to actively contribute to keep iC2 resources available to other children and families in need. Not just in terms of dollar contribution but also in the oversight of administrative, fundraising and ground initiatives.

As for our work in healthcare, we haven’t stopped striving to be kind and compassionate with our patients as we do our best to solve their medical problems. This journey has certainly deepened our understanding of how important that aspect of medical care is. As medical doctors, we all need to take time to listen and care.

In your opinion, are there groups that need extra support within and surrounding the visually impaired community?

Within the visually impaired group, we know that those with multiple disabilities present greater challenges. Take for example, the child with both low vision and autism or low vision with impaired hearing. A dedicated, thoughtful approach is needed. We have to work with other agencies to coordinate care and support, not just for the child but also for the caregivers.

How has legacy giving changed the way in which you are able to contribute to the support of the visually impaired?

We have and will continue to support iC2 financially through our major fundraising events. So what happens after our demise? Legacy giving provides an avenue to do so for perpetuity.

This is not just for individuals. It can be tailored to couples, families, foundations or companies. Zooming out, if more commit to legacy giving, the charity sector will receive more sustainable donations and be empowered to further improve the groundwork. How truly wonderful that would be for our Singapore society.

Stanley Sia

What is the gap that you saw in Singapore’s healthcare system that led you to SATA CommHealth?

I’ve been involved in SATA CommHealth since 2012. Being in the private sector for all of my career, I’ve always had the desire to contribute in some way to society.

SATA CommHealth, in particular, interested me for its legacy and its resilience in adapting with the times to continue serving the community for more than 70 years. This resonated strongly with me, and has kept me in service at SATA CommHealth for the last eight years. In my time here, I’ve held several portfolios, with the role of chairman being the most recent.

Why do you feel that being a donor is important, especially in the healthcare sector?

While Singapore’s healthcare sector is well developed and provides comprehensive services, more can be done for the seniors and vulnerable through the encouragement of a sustainable donation system beyond simply relying on government support.

About one in every four Singaporeans will be 65 and above by 2030. Singapore’s low fertility rate and its rapidly ageing population will pose an economic and demographic stress to the nation and this is something we need to start preparing for.

Why did you decide to take up the position of chairman of the board in SATA CommHealth?

Covid-19 has changed the way we live, work and interact with each other. It has surfaced new challenges among the seniors and the vulnerable in the community.

When I took on the appointment in July 2020, at the height of the Covid-19 pandemic in Singapore, my immediate priority was to start laying the foundations of a sustainable charity, even as we were steering ourselves through the challenging times.

How has legacy giving changed the way in which you are able to contribute to the support of the healthcare sector?

In the past, the idea of legacy giving was relegated to high-net worth individuals, the ultra-rich and affluent. While few of us are in that position, there is no reason to exclude charitable giving from our estate planning. All gifts, large or small, are important. Charitable giving is life giving to the poor and vulnerable in our society and healthcare sector forms the backbone of a country’s well-being.

Legacy giving lets you make a lasting impact on the lives of future generations, far beyond the measure of your lifetime. It is the best way to benefit a cause or charity that you care about now and in the future.

Source: The Peak

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Start a donor-advised fund: plan your giving flexibly and sustainably

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The breakfast huddle with Catherine Loh: A group of individuals gathered around a table, engaged in a morning discussion.

CEO Catherine Loh goes on Money FM 89.3 to speak about the donor-advised funds.

Elliott Danker: Funds such as DAFs are especially needed during the current COVID-19 pandemic because that’s where you have more people in need. Many charities have shared that donations have been falling.

Manisha Tank: A DAF allows donors to give in a more informed, structured and sustained manner over time. As of March 2020, there are 143 DAFs set up with CFS, which is double the number in March 2015. How does a DAF actually work and why has there been an increase in the number of DAFs over the years?

Elliott: With us is Catherine Loh, CEO of the Community Foundation of Singapore. We’ve been trying to describe and nail down the meaning of donor-advised funds or DAFs. It’s like a personal charitable savings account; is there anything more you could tell us about DAFs?

Catherine Loh: It’s easier to give you a concrete example. One such DAF is the SR Nathan Education Upliftment Fund, which was set up by our late president when he retired in 2011. As he had received help himself back when he was young, Mr Nathan wanted to set up a fund to help students at risk of dropping out of school due to financial difficulties.

So through this one endowment fund established with us, he was able to reach out to many educational institutions like ITE (Institute of Technical Education), various polytechnics and universities to support students in need. Some special schools like the Mountbatten vocational school and even the four self-help groups have benefitted.

Even though he is no longer with us, we work with a committee comprising a family member, close friends and those who have a deep interest in the community to guide the fund. Over the years, thousands of students have obtained their diplomas and degrees with the support from the Fund. Hopefully from the example you can see that for a donor-advised fund, donors get to name their fund, to choose the causes that they are interested in supporting, and they can use the fund to support more than one charity. There’s a lot of flexibility here.

Manisha: Is a DAF only for the wealthy?

Catherine: There is a minimum amount to set up a donor-advised fund. The minimum amount is $200,000 but a donor can start off with $50,000 and fulfil the pledge over a period of time.

Elliott: How big is the concept of a DAF in Singapore when compared to the rest of the region or the world?

Catherine: This concept is pretty new. In Southeast Asia, we are one of the few established community foundations. However, in the US community foundations are very well established and donations into donor-advised funds are large.

Manisha: If you’re someone who’s decided on having a DAF to take care of your charitable causes and your contributions, is the due diligence all done for you?

Catherine: Before we talk about a charity or their programmes to a donor, we would have done the basic due diligence; checking up on their finances, making sure it is a charity that is doing good work. When we recommend, we try to match the donor’s interest with what the charities can offer and really helping the donors achieve their objectives.

Manisha: Do the donors come to you for different reasons, or some have just come into money and have decided to do something useful with it?

Catherine: People come with their personal reasons, but most do want to do good and they do want to give. The whole purpose is to ensure that their money is put to good use. They want to have the peace of mind that the charities are doing the work that they are supposed to do. This is where we can help to provide the professional advice and to give them the peace of mind.

Elliott: You talked about the minimum amount to start a DAF. How do you start one, and if I’m opening one with CFS, do I have to pay a fee?

Catherine: It is signing a deed and that’s it. It takes about two to four weeks depending on the complexity of the donor’s unique circumstances and what their requirements are. But it is definitely easier than setting up your own family foundation or a corporate foundation.

Manisha: Why has there been an increase in the number of DAFs?

Catherine: We have seen an increase in awareness as we have also been more active in explaining this concept to the public. Over the years, we’ve had happy donors referring their friends and colleagues to us and we’re glad that we’ve gained the trust of our donors and charity partners alike

We’ve also seen an increase in demand because this structure meets the needs of many donors. We’ve established funds for both individuals and businesses; individuals set up memorial funds to remember a loved one or to celebrate significant events like retirements, birthdays and wedding anniversaries. DAFs are useful for financial and legacy planning as well, because donations into a fund can be eligible for two and a half times deduction off taxable income. It can be used as an instrument for tax planning. It can also be named as a beneficiary in a will or a trust. Increasingly, we work with lawyers and executors of wills to administer money left behind for charity.

Very often executors are left vague instructions to just gift the money to charity, and by working with us they have the peace of mind that there are professionals working to identify the right charities and programmes for them.

Manisha: What are the differences between giving to charity and setting up a DAF?

Catherine: If the donor is interested in accountability and transparency and they want to keep track of the donations for regular, long term and more strategic giving, then a DAF is very useful. What we want is for the donor to understand the cause or causes that they are interested in, to get to know the charities and the types of programmes that are out there. Once the donor gets involved, they are more likely to support their causes for a long period of time.

Manisha: One of the best things to donate is time; does that happen and do the donors get involved with these causes and turn up in person to see what’s on the ground?

Catherine: We do have donors who do that whenever they have the time. They are busy professionals who may not have a lot of time and they just give with money first. But we do encourage them to get involved and not just themselves but with their families. Very often we want to not only engage the donors but their family members as well, to get them to understand what they are really helping. In so doing, they would be the ones coming up with new ideas and working directly with the charities to create positive social change. This is a culture that we want to build in Singapore.

Elliott: Some charities are suffering during this COVID-19 pandemic, unable to have fundraising dinners; what has the impact of the pandemic been on DAFs? Should people consider going into a DAF during this pandemic because it’s more focused and safer with due diligence all done?

Catherine: We have seen activity throughout this whole year, so activity hasn’t slowed down for us at all. In fact, donors are talking to use because they want to know how they can help over the longer term; they want to know what are the underfunded sectors and the pressing issues that need
support going forward.

What this pandemic has taught is that it is good to be prepared. As the pandemic continues, we have rising unemployment, health risks and donations from the general public that have decreased. For the donors who have planned their giving and established their donor-advised funds in the past with us, this is an opportunity where they have stepped up. Over the past few months, we have seen a very significant amount being given out from our existing donor-advised funds to COVID-19 related causes.

Manisha: What about businesses?

Catherine: We have quite a few businesses who have established donor-advised funds with us as well. There are many reasons for doing so. There is more marketing mileage with a named fund; this can be a starting point to learn about philanthropy before setting up their own corporate foundation. They use it for planning and tracking their charitable budget, and also to give more strategically by tapping on our knowledge, experience and network in the sector.

Elliott: Is it more high network individuals that are taking part in donor-advised funds?

Catherine: For the Community Foundation of Singapore, a donor-advised fund is just one product which we offer; these are targeted at those who have more to give and they want to give in a longer term manner, so their own named fund is suitable. However, we established our own Community Impact Funds (CIF) in response to social issues that we want to address; you may have heard of the Sayang Sayang Fund which was set up in February as an emergency response fund in the wake of COVID-19.

These kinds of Community Impact Funds receive thousands of donations with thousands of donors donating to these funds. These people could be anywhere from students to retirees, anybody who is linked or feels close to the cause.

Listen to the full interview here:

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The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at


The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road



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