Programmes
Three Programmes,
One Considered Direction
Each programme is complete in itself and designed for a different level of readiness. There is no requirement to progress from one to the next.
Back to HomeHow We Teach
Our Approach to Financial Education
We build our programmes around real documents rather than theoretical frameworks. If we are teaching you to read a fund factsheet, we do so with an actual, current Malaysian factsheet in front of you — not a simplified example. If we are reviewing EPF balances, we start from the statement you already receive each year.
Sessions are designed for people in their forties who have professional and personal responsibilities outside the classroom. The pace is deliberate. Nothing is rushed. We believe that financial literacy, built slowly on real documents, holds better than concepts absorbed quickly in a seminar setting.
Between sessions, participants complete a short writing exercise that asks them to apply the session's topic to their own situation. These exercises are private and are not graded. Their purpose is to ensure that the learning stays connected to each participant's actual financial life.
Our Standards
- Malaysian documents and regulatory context throughout
- No financial products sold or recommended
- Group sizes fixed to allow genuine participation
- Written materials reviewed for accuracy each intake
Programme One
Garden Walk on Personal Finance
A three-week orientation series for those who have not had occasion to look closely at their finances in some time and would prefer a measured way back in. The walk covers cash flow, debts, EPF balances and standing intentions, with one short writing exercise between sessions. Designed for absolute first steps; no prior background expected. Group of ten.
What This Programme Covers
- Understanding current cash flow and monthly commitments
- Reading and interpreting your EPF statement
- Identifying and reviewing outstanding debts
- Naming standing financial intentions and assessing their current state
- One structured writing exercise between the first and second sessions
Programme Structure
- 1.Session one: orientation and cash flow
- 2.Writing exercise: your own numbers
- 3.Session two: EPF, debts and intentions
- 4.Session three: review and forward questions
Programme Fee
RM 620
Programme Two
Reading the Fund Factsheet Carefully
A six-week course on reading and interpreting Malaysian fund factsheets, prospectuses and statements — the cost ratios, the small print, the difference between past performance and likely behaviour, and the items that often go unread. Includes weekly practice with current local documents under guidance. Class size capped at twelve.
What This Programme Covers
- The structure of a Malaysian fund factsheet — each section explained
- Reading cost ratios and their effect on returns over time
- Interpreting past performance disclosures accurately
- Understanding prospectus subscription and redemption conditions
- Weekly practice session with a current, publicly available Malaysian fund document
Programme Structure
- 1.Week one: anatomy of a factsheet
- 2.Week two: cost ratios and fee structures
- 3.Week three: past performance language
- 4.Weeks four to six: prospectus and subscription conditions; practice with live documents; review
Programme Fee
RM 1,490
Programme Three
Whole-Picture Retirement Engagement
A six-month mentor-led programme that takes the entire shape of one's retirement plan as its subject — EPF strategy, supplementary savings, insurance review, healthcare cost provisioning, and the considered sequence of retirement income over a typical two- to three-decade horizon. Monthly private sessions, midway review, written closing summary. Single-track engagement.
What This Programme Covers
- EPF Account 1 and Account 2 strategy for the remaining working years
- Reviewing supplementary savings — Private Retirement Scheme, unit trust holdings
- Insurance and takaful adequacy review — what is held, what has expired, what may be needed
- Healthcare cost provisioning across a retirement period of 20–30 years
- Sequencing of retirement income over the full retirement horizon
Programme Structure
- 1.Month one: initial review — EPF, savings, insurance
- 2.Months two–three: deep-dive on supplementary savings and insurance
- 3.Month three: midway review and written summary to date
- 4.Months four–five: healthcare cost provisioning and income sequencing
- 5.Month six: closing session and written summary document
Programme Fee
RM 2,810
Which Programme?
Choosing What Suits You
If you are uncertain which programme is appropriate, this comparison may help. You are also welcome to contact us for a brief conversation.
| You are… | Garden Walk RM 620 |
Fund Factsheet RM 1,490 |
Retirement Engagement RM 2,810 |
|---|---|---|---|
| New to looking at your finances | — | — | |
| Holding unit trust funds you don't fully understand | — | — | |
| Wanting to understand your EPF statement | — | ||
| Within 10–20 years of expected retirement | — | — | |
| Wanting group learning with others at a similar stage | — | ||
| Preferring private, one-to-one sessions | — | — |
Across All Programmes
Standards That Apply to Every Programme
Participant Privacy
No personal or financial details are shared between participants or with third parties.
Current, Local Materials
All documents used in sessions are sourced from the current Malaysian market and updated each intake.
Education Only
We teach. We do not advise, recommend products, or earn commission of any kind.
Fixed, Stated Fees
Programme fees are confirmed before enrolment and cover all materials and sessions. No add-ons.
Pre-Enrolment Conversation
We speak with prospective participants before confirming a place. No obligation until you decide.
Written Enrolment Terms
Withdrawal terms, session schedules and programme content are confirmed in writing before payment.
Have a Question About a Programme?
We are glad to help you decide whether any of our programmes is a suitable match for where you are at the moment.
Get in Touch