Testimonials
We share reflections from those who have completed our programmes — unedited, varied, and honest about what helped and what they would do differently.
← Back to Home340+
Participants to date
4.7
Average satisfaction score
94%
Programme completion rate
6
Years running programmes
Participant Reviews
Ahmad Hafizuddin
Petaling Jaya · Setting the Time
I joined the introductory course with very low expectations — I thought I already had a rough picture of my finances. Three weeks later I had that one-page summary in front of me and realised how many assumptions I had been holding without ever examining them. The session on recurring outflows alone was worth the fee.
April 2025
Suraya Tan
Ampang · Considered Investing After Forty
The investment course was not what I expected. I thought it would be about picking good funds. Instead it was about understanding what a fund factsheet actually means — expense ratios, benchmark comparisons, the difference between what a fund claims and what it delivers. That is far more useful. I feel equipped to read and assess now, rather than trusting a brochure.
March 2025
Rajendran Velu
Cheras · Long-Horizon Retirement Engagement
I turned 54 this year and retirement felt like a horizon I kept moving. Six months of private sessions with Rashid changed that. The written review at the end gave me an actual framework — not a sales pitch for a product, just a clear picture of what I have, what I need, and what sequence makes sense. The healthcare section was something I had completely ignored before.
April 2025
Norzalina Ibrahim
Bangsar · Setting the Time
As someone who has always found financial conversations either condescending or high-pressure, this was genuinely different. The small group meant I could ask basic questions without feeling embarrassed. The written summary I walked away with was something concrete I actually used — I took it to my bank to talk through my EPF nominations properly for the first time.
March 2025
Wong Kai Weng
Damansara · Considered Investing After Forty
The EPF sections were eye-opening. I had always just accepted my EPF as a black box with a number that slowly grew. Understanding Account 1 versus Account 2 restrictions, and how to think about them as part of a longer horizon, changed how I see my overall picture. The pace is slower than I expected going in — but that turned out to be the point.
April 2025
Faridah Mahmood
Shah Alam · Long-Horizon Retirement Engagement
What I valued most was the complete absence of any product recommendation. Every conversation stayed on the level of understanding — what this means, what that requires, what trade-offs exist. I came away with a document that is genuinely mine, not a sales document dressed as a financial plan.
February 2025
Case Studies
Krishnamurthy Subramaniam
Programme: Setting the Time, then Considered Investing After Forty
The challenge
At 48, Krish had a general sense of being financially comfortable but had never sat down with anyone to actually map his position. He had three insurance policies he was unsure about, EPF savings he never checked, and no picture of what "comfortable" actually meant in concrete terms.
The process
Krish completed Setting the Time first, producing his one-page summary. Seeing his outflows mapped clearly led him to enrol in Considered Investing six months later. The two programmes gave him both a current picture and a forward-looking framework.
The result
He discontinued one insurance policy that had been superseded by his employer coverage, redirected those premiums into a unit trust, and reviewed his EPF contribution tier. He says he now checks his financial position quarterly rather than never.
"I did not realise how much I was paying for protection I already had through work. That discovery alone covered the programme fees."
Lim Chee Wah
Programme: Long-Horizon Retirement Engagement
The challenge
Chee Wah was 57, planning to step back from full-time work in three years, and had a genuinely complicated picture: EPF savings, a private retirement scheme, a residential property, and an ageing parent whose care needs were uncertain. He needed someone to help him think through the withdrawal sequence, not to sell him another product.
The process
Six monthly private sessions, starting with a comprehensive review of all assets and liabilities. The midway review shifted the focus significantly toward healthcare cost provisioning after the first half revealed significant underestimation of likely medical costs over a 25-year horizon.
The result
A written retirement review that maps his planned withdrawal sequence across EPF, PRS, and a fixed deposit ladder. He adjusted his PRS contributions upward in the final two years of employment and made specific decisions about his property. He describes the outcome as "finally having a plan I can actually show my wife."
"Six months of honest conversation about my actual situation — not about products. That is what I needed and it is exactly what I got."
Nurul Rashida
Programme: Setting the Time
The challenge
At 44, recently divorced, Nurul was managing household finances alone for the first time. She described feeling overwhelmed not by complexity but by simply not knowing where to start. She had avoided looking at her finances properly for almost a year.
The process
The introductory programme gave her a structured way into the material. The small group format helped — she found that other participants' questions often addressed concerns she had been too hesitant to raise. The facilitator adjusted the session pace to match the group's comfort level.
The result
A clear one-page summary and, more importantly, the confidence to continue engaging with her finances. She updated her EPF nominations, consolidated two overlapping insurance policies, and is now planning to join the Considered Investing programme in the next intake.
"The programme did not judge where I was starting from. It just helped me get started. That was everything I needed."
Get in Touch
Telephone
+60 3-7964 8132Address
142 Jalan Tun Razak
50450 Kuala Lumpur
Office Hours
Mon–Fri 10am–6pm
Sat 10am–1pm
Professional Standing
Financial Education Provider
Registered with Companies Commission of Malaysia (SSM)
PDPA Compliant
All participant data handled under Malaysia PDPA 2010
Fully Independent
No affiliation with any financial product provider
Your Turn
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