Financial education
prepared for each stage
Three distinct programmes, each addressing a different level of financial understanding. Choose your entry point and proceed at your own pace.
← Back to HomeHow the programmes are structured
Composition
Each programme begins with a clear account of what it covers and what it does not. Participants know from the outset what the scope of the material is.
Application
Concepts are presented alongside Malaysian examples and exercises. Workbooks guide participants through applying each idea to their own situation.
Integration
At the close of each topic, facilitators address how it interacts with other concepts in the programme — and in adjacent programmes where relevant.
Composition of Personal Finance
An introductory formulary addressing the basic ingredients of personal financial organisation — income cataloguing, expense measurement, reserve creation, and debt understanding. Each topic is presented as a recipe with clear measurements, notes on variations, and reflective questions on how it fits one's own situation.
- Income mapping and cashflow awareness
- Expense measurement and categorisation
- Reserve creation — types and purposes
- Debt understanding — structure and cost
- Financial goal orientation basics
Compound Elements of Investing
A formulary-style programme introducing investment concepts as components that combine in different ways. Content covers asset classes, time horizons, risk characteristics, and regional market features from an educational perspective. Includes glossary of terms, annotated examples, and optional group consultations with qualified educators. Content is informational, not advisory.
- Asset classes explained — equities, fixed income, property, cash
- Time horizons and their relevance to investment decisions
- Risk characteristics — types, not tolerances
- Malaysian market instruments overview (unit trusts, ETFs, REITs)
- Reading a fund prospectus — what to look for
Dispensary of Lifetime Planning
A careful, longer-term programme on retirement and legacy preparation, presented as a collection of specialised formulations for different life stages. Covers EPF considerations, private schemes, healthcare funding, and estate basics in the Malaysian context. Materials include planning journals, optional individual facilitator sessions, and a curated reference library.
- EPF accounts — structure, contribution, withdrawal rules
- Private retirement schemes (PRS) overview
- Healthcare funding considerations for retirement
- Estate basics — hibah, wasiat, faraid (where applicable), LPA
- Life-stage financial considerations from 30s through retirement
Which programme suits you?
Use this comparison to identify the most appropriate starting point. If you are uncertain, contact us — an honest conversation is the best route to a good decision.
| Feature | Personal Finance | Investing | Lifetime Planning |
|---|---|---|---|
| Level | Introductory | Intermediate | Advanced |
| Prior knowledge needed | None | Basic personal finance | Investing concepts helpful |
| Fee (MYR) | 510 | 2,050 | 3,680 |
| Typical duration | 4–6 weeks | 8–10 weeks | 3–4 months |
| Physical workbook | ✓ | ✓ | ✓ |
| EPF / Malaysian instruments | Introductory | ✓ | ✓ Detailed |
| Facilitator consultation | — | Group sessions | Individual + group |
| Best for | Starting from scratch | Building investment literacy | Retirement & estate awareness |
Common to All Programmes
Data Privacy
Participant information is handled in accordance with the Malaysian Personal Data Protection Act 2010. Contact details are not shared with third parties.
Content Currency
All materials state the date of last review. Programme content is updated to reflect Malaysian regulatory and market changes at minimum annually.
Educational Scope
Programmes are educational in nature. Facilitators do not make personal financial recommendations. Participants are directed toward qualified advisers for personal decisions.
Enquiry Response
All enquiries receive a response within one working day. Suitability discussions are conducted honestly — including when a programme may not be the right fit at a given time.
Materials Included
All printed and digital materials are included in the programme fee. There are no supplementary purchases required to complete any programme.
Participant Feedback
Structured feedback is collected at the conclusion of each programme cohort. Observations on content and delivery are reviewed and incorporated into subsequent iterations.
Programme Fees
All fees are stated in Malaysian Ringgit and include all programme materials. Payment plan options may be discussed at the enquiry stage.
Personal Finance
- Printed workbook
- Recorded session access
- Self-paced, 4–6 weeks
Investing
- ●Glossary and annotated examples
- ●Optional group consultations
- ●Self-paced, 8–10 weeks
Lifetime Planning
- Planning journals + reference library
- Individual facilitator sessions
- Self-paced, 3–4 months
Not sure where to start? Ask us.
A brief note about your current situation is enough for our team to suggest a suitable starting point. We will not push you toward a particular programme if it does not fit your needs.
Send an Enquiry