Unfair Advantage of the Next Generation

Written by Ong Disi, Financial Services Manager, Mar 2025

As I reflect on the educational landscape, a striking realization emerges: education is becoming increasingly unfair to the less privileged. The example of China’s education system serves as a stark reminder of how systemic inequalities can skew opportunities in favor of wealthier families, leaving disadvantaged groups to face steep hurdles. In China, urban students disproportionately benefit from better schools, private tutoring, and networking opportunities, while rural students struggle with barriers like the hukou system. These inequalities are mirrored in many other parts of the world, including Singapore, where social mobility through education is becoming more challenging.

I once believed my own journey was proof of a fair system. Growing up in the 1980s, I came from a modest background and worked hard to gain admission to the National University of Singapore (NUS). The merit-based system was empowering, offering hope that determination and effort could overcome financial constraints. However, now that I am a parent, I view the world differently. I worry about my children’s starting points and whether they will have the same opportunities in an increasingly competitive and unequal society.

 

Emerging Trends in Parenting and Education

The competitive educational landscape has driven parents to provide their children with every possible advantage. While this is understandable, it exacerbates inequalities and creates an uneven playing field for the next generation.

  1. Abundant Resources

Tuition, once less common, has become a booming industry. Recently, my niece, who performs well academically, told me she wanted to attend tuition. When I asked why, she explained that most of her classmates had already covered the material at tuition centers, using school lessons as mere revision. Meanwhile, she was encountering the topics for the first time, making it difficult to keep up as the teacher progressed quickly through the syllabus.

Another friend shared a similar experience. Her child, a consistent A student in Primary 3, was advised by the form teacher that excelling in schoolwork alone was insufficient preparation for the PSLE. The teacher recommended purchasing additional assessment books to enhance the child’s readiness.

These added costs, including tuition fees and supplementary learning materials, place a significant financial burden on families with fewer resources, making it harder for them to provide their children with a level playing field.

  1. Curating Enriching Experiences

Research shows that early experiences profoundly influence a child’s cognitive and social development. Many parents now invest in diverse enrichment activities, such as music, sports, coding, and public speaking. These activities not only broaden a child’s horizons but also give them a head start in developing skills that are highly valued in academics and the workforce.

  1. Challenging the Notion: Are All Schools Truly Equal?

The Ministry of Education (MOE) has long asserted that “all schools are good schools.” While I once believed this, my observations suggest otherwise. For instance, a comparison of spelling lists between schools revealed significant differences. This suggests that while the curriculum may be standardized, its implementation and the expectations set can vary widely, ultimately impacting students’ learning experiences and outcomes.

  1. Parents Funding University Education

There’s a saying: “You either pay interest later or save now for your children’s education.” Parents who can afford to fund their children’s university studies provide them with a substantial head start. These students can focus on their careers and future goals, such as marriage, without the burden of student loans. In contrast, those who must rely on loans face the dual challenge of managing debt while establishing their careers, placing them at a disadvantage compared to their peers.

  1. Helping with the Downpayment for the First Property

Beyond education, an increasing trend is parents assisting their children with the downpayment for their first Executive Condominium (EC). ECs are widely regarded as a lucrative investment due to their profit potential, making them a popular choice for young buyers.

For many young graduates, saving for a downpayment is particularly challenging early in their careers, with much of the financial support coming from their parents. Waiting too long may result in exceeding the income ceiling for EC eligibility, further limiting opportunities.

Those who manage to secure an EC often benefit from significant profits upon resale, providing a substantial financial head start. This trend highlights how parental support in property investments amplifies financial opportunities, setting the next generation on a more advantageous path.

 

The Growing Divide

The cumulative effect of these trends is concerning. Children from wealthier families start life with significant advantages—better schools, extracurricular opportunities, financial support, and social connections. These advantages build up over time, making it increasingly difficult for children from less affluent backgrounds to compete on equal footing.

As a parent, I feel the pressure to provide my children with the best possible start in life. Yet, I also recognize that this drive contributes to widening inequality. How can we strike a balance between giving our children opportunities and advocating for a fairer system for all?

It is a question that demands collective reflection and action to ensure a future where every child, regardless of their starting point, has an equal chance to succeed.

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