Our Programmes
Three programmes,
one steady approach
Each programme is designed around a particular stage of financial attention — from a first careful look at your finances through to a comprehensive, mentor-led retirement review.
← Back to HomeHow We Work
Our teaching methodology
Small group or private setting
Groups are kept small enough that individual circumstances can be addressed. The retirement programme is entirely one-to-one.
Structured, sequential content
Each session builds on the previous one. Written summaries are provided after every session to support comprehension and retention.
Concrete written outcomes
Every programme produces a working document — a summary, a framework, or a comprehensive review — that participants keep and use after the programme ends.
Setting the Time
A First Look — 3 weeks · RM 510
A three-week introductory course for those who would like to begin paying considered attention to their personal finances. The course produces a single, careful one-page summary of present holdings, recurring outflows, and standing intentions — a personal point-in-time.
Conducted in small group format with one facilitator. Two evenings per week, with a written summary after each session. No prior background expected. The pace is entirely appropriate for someone who has not previously reviewed their finances in a structured way.
What this programme covers
- Reviewing present holdings: savings, EPF, insurance, property
- Mapping recurring outflows and identifying patterns
- Clarifying standing intentions — what you think you want and why
- Producing the one-page personal financial summary
How the sessions run
- 1. Session 1–2: Holdings review — what you own, what you owe, what you contribute
- 2. Session 3–4: Outflows review — recurring costs, insurance premiums, loan obligations
- 3. Session 5–6: Intentions review — short and long-term financial goals, draft summary
Programme Details
Programme Details
Considered Investing After Forty
Investment Foundations — 8 weeks · RM 1,940
An eight-week investment foundations course oriented toward those investing carefully for the first time at this stage of life. The programme approaches investments not as opportunities to maximise return, but as decisions that require clear understanding of what you are doing and why.
Includes asset class fundamentals, the function of EPF as a long-horizon anchor, ringgit and foreign-currency holdings, locally available unit trusts and ETFs, and reading fund factsheets honestly. Short reading and weekly reflection; class size capped at fifteen.
Topics across eight weeks
- Asset class fundamentals — equities, bonds, cash, property
- EPF as a long-horizon anchor — contribution strategy and account structures
- Ringgit and foreign-currency holdings — risk and proportion
- Locally available unit trusts and ETFs — selection and reading factsheets
- Building a simple, durable personal investment approach
Long-Horizon Retirement Engagement
Private Mentor-Led — 6 months · RM 2,820
A six-month mentor-led programme that takes a long view of retirement — EPF strategy, supplementary savings, insurance review, healthcare cost provisioning, the role of any continuing part-time work, and the considered sequence of withdrawals over a typical two- to three-decade horizon.
Monthly private sessions, a midway review, and a written closing summary. Single track at a measured pace. This is not a general retirement planning course — it is a sustained private engagement around your actual situation.
Areas covered across six months
- EPF strategy — Account 1, Account 2, Account 3 and optimal use
- Supplementary savings — PRS, fixed deposits, private assets
- Insurance review — what to retain, what to reconsider at this stage
- Healthcare cost provisioning over a long retirement horizon
- Withdrawal sequencing — which pots to draw from, and when
- Comprehensive written retirement review as final deliverable
Programme Details
Which Programme?
Choosing the right starting point
| Feature | Setting the Time | Considered Investing | Retirement Engagement |
|---|---|---|---|
| Duration | 3 weeks | 8 weeks | 6 months |
| No prior experience required | |||
| Investment content included | |||
| Private, one-to-one format | |||
| Retirement horizon addressed | |||
| Written summary after each session | |||
| Programme fee | RM 510 | RM 1,940 | RM 2,820 |
Best for
Those who have not yet reviewed their finances in any structured way and want a clear starting point
Setting the Time
Best for
Those with a basic financial picture who want to understand investing for the first time without rushing
Considered Investing After Forty
Best for
Those within ten to fifteen years of retirement who want a thorough, private review of where they stand and where they are heading
Long-Horizon Retirement Engagement
Shared Standards
What applies across all programmes
No product sales
No financial products are sold or recommended. Facilitators receive no commission of any kind.
Participant privacy
All personal financial information is confidential. Data is handled in accordance with Malaysia's PDPA 2010.
Current curriculum
Content is reviewed and updated before each cohort — EPF policy changes, interest rate movements, fund availability.
Written summaries
Every session produces a written summary specific to what was covered. You always know where you stand.
Qualified facilitators
All facilitators have professional backgrounds in finance or financial education with ongoing development requirements.
Transparent fees
Fees are stated upfront and fixed. Nothing is added during or after the programme.
Fees
Clear, fixed programme fees
Setting the Time
RM 510
per participant
- 3 weeks, 6 sessions
- Written summaries included
- One-page financial summary
- Small group, 4–8 participants
Considered Investing
RM 1,940
per participant
- 8 weeks, weekly sessions
- Weekly reading included
- Investment foundations framework
- Capped at 15 participants
Retirement Engagement
RM 2,820
per participant
- 6 months, private sessions
- Midway review included
- Comprehensive written review
- One-to-one, entirely private
Not Sure Where to Start?
Tell us where you are, and we will help you find the right programme
If you are uncertain which programme is appropriate, write to us with a brief description of your situation. We will suggest the right starting point — there is no obligation to proceed.
Get in Touch