George Town, Penang

A calmer way to look at
your finances at this stage of life

Hikmah Bayu offers structured, small-group financial education for Malaysians aged 40 and above — covering cash flow, everyday paperwork and considered retirement planning.

Enquire About a Programme View Our Programmes

+60 3-8362 4179

[email protected]

Small groups only

George Town, Penang

Our Programmes

Three paths forward, at your own pace

Each programme is designed with a specific stage of the financial review process in mind. There is no pressure to take all three at once.

Three Weeks

The Five-Foot-Way: An Orientation

A three-week orientation for those who would like to begin a calm review of their finances at this stage of life. Covers current cash flow, holdings, standing commitments and recurring questions, with a short writing exercise between sessions.

Small group format with one facilitator
Weekly written summaries provided
No prior financial background required

RM 510 Enquire

Reading financial statements and documents

Six Weeks

Reading Statements and Documents Plainly

A six-week course on the everyday paperwork of personal finance — bank statements, EPF statements, insurance policy schedules, unit trust statements and tax slips. Each week takes one document type and explains it in plain English.

Covers six key document types
Plain English throughout
Useful for quiet competence with your own paperwork

RM 1,560 Enquire

Five Months

Considered Pre-Retirement Engagement

A five-month mentor-led programme for those approximately five to ten years from retirement. Covers EPF strategy, supplementary savings, insurance review, healthcare cost provisioning, and the considered sequence of retirement withdrawals over a long horizon.

Monthly private sessions
Midway review and written closing summary
Single-track, unhurried pace

RM 2,690 Enquire

Why Hikmah Bayu

What makes the difference here

These programmes are built around the specific circumstances of people at midlife — not adapted from generic materials.

Designed for your stage

The content accounts for EPF, supplementary savings vehicles, insurance obligations and the particular questions that arise for Malaysians in their 40s, 50s and early 60s.

Small groups, proper attention

Group sizes are kept small so that questions can be answered fully and each participant leaves with a clear understanding of the topic at hand.

Plain language throughout

Financial terms are explained when they appear. Nothing is assumed to be already known. The aim is clarity, not the impression of complexity.

Written summaries provided

After each session, participants receive a written summary of the key points. There is no need to write everything down in the room.

Unhurried pace

Sessions are spaced to allow time for reflection between meetings. The process is deliberate, and there is no pressure to move faster than is comfortable.

Rooted in George Town

Programmes run in a familiar part of Penang. The setting is quiet, the atmosphere is unhurried, and the approach is suited to those who prefer a considered environment.

Ready to Begin

Is there a programme that fits where you are now?

You are welcome to write or call to ask a question before deciding anything. There is no obligation in an enquiry.

Send an Enquiry Read About the Programmes

+60 3-8362 4179 [email protected]

Questions

Some things people ask before enrolling

Do I need any financial knowledge before joining?

No. Each programme is written for people who have not previously studied personal finance in any formal way. Terms are explained when they appear, and the facilitator's role is to make sure that everyone in the room is following clearly.

Are the sessions held in person or online?

The orientation and the documents course run in small in-person groups at our George Town premises. The pre-retirement programme includes monthly private sessions which may be arranged to suit individual circumstances. Please write to us to discuss your situation.

What is covered in the EPF and retirement programme?

The Considered Pre-Retirement Engagement covers EPF strategy, supplementary savings (including PRS and similar), insurance review, healthcare cost provisioning, and the sequencing of withdrawals across a long post-work horizon. It is structured for those five to ten years from retirement and proceeds at a single, unhurried pace over five months.

How large are the groups?

Group sizes for the orientation and documents course are intentionally small — typically four to eight participants per cohort. This allows the facilitator to answer questions properly and ensures that sessions do not feel rushed.

What is the fee structure, and how is payment made?

The Orientation is RM 510, the Documents course is RM 1,560, and the Pre-Retirement programme is RM 2,690. Payment details and available arrangements are shared after an initial enquiry. We are happy to answer questions about fees before you commit to anything.

Will my personal financial information be kept private?

Yes. Any personal financial details you share in a session or in writing are treated with care. Group sessions do not require you to share specific figures — the discussion is instructional rather than advisory. For further information, please read our Privacy Policy.

When does the next cohort begin?

Cohorts are formed when enough participants have expressed interest. Please use the contact form below or call us to find out about current availability. We will let you know the expected start dates and keep you informed.

Our Location

Find Us in George Town

32 Lebuh Cintra, 10100 George Town, Penang

Contact

Write to us or give us a call

There is no commitment in asking a question. If you would like to know more about any of the programmes, we are glad to hear from you.

Contact Details

Telephone