Three programmes, each at the right moment in your financial life
Whether you are beginning to take stock, learning to read your own documents, or preparing carefully for the years after employment ends — there is a programme here for that stage.
Back to HomepageHow the programmes are structured
Each programme at Hikmah Bayu is built around one principle: financial education works when it is connected to real documents, delivered in small groups, and given enough time to settle between sessions.
We do not teach from abstractions. We work with the actual statements and schedules that participants hold. The curriculum moves from the familiar to the less familiar — beginning with documents that arrive regularly, such as bank statements, and moving toward those that require more careful reading, such as insurance policy schedules or EPF account statements.
The pre-retirement programme is structured differently — it is a private, mentor-led engagement that follows the specific situation of one participant over five months. It moves at whatever pace the content and the person require.
Establish context
Each programme begins with a clear statement of scope. Participants know what will be covered, what will not, and what the aims of each session are.
Work with real documents
Instruction is tied to actual documents — the real ones, not illustrative examples. Participants are encouraged to bring their own wherever appropriate.
Reflect between sessions
Sessions are spaced to allow proper reflection. Written summaries help participants consolidate what was discussed before the next meeting.
Leave with written materials
Every participant receives written session summaries and, for the pre-retirement programme, a written closing document summarising the key findings and considerations.
The Five-Foot-Way: An Orientation
A three-week orientation programme for those who would like to begin a calm review of their finances at this stage of life. The course walks through current cash flow, holdings, standing commitments and recurring questions, with a short writing exercise between sessions. Conducted in small group format with one facilitator and weekly written summaries provided afterwards.
- Reviews current cash flow and recurring outgoings
- Covers holdings — savings, investment accounts, property obligations
- Addresses standing commitments and recurring questions
- Short writing exercise between each session
- Weekly written summaries by email
Reading Statements and Documents Plainly
A six-week course on reading the everyday paperwork of personal finance — bank statements, credit card statements, EPF statements, insurance policy schedules, unit trust statements and tax slips. Each week takes one document type, walks through the items that often go unread, and explains them in plain English. Useful for those who would like to feel quietly competent in front of their own paperwork.
- One document type per week — focused, not overloaded
- Covers EPF, insurance, unit trust, bank and tax documents
- Explains items that are frequently overlooked or misread
- Participants encouraged to bring their own documents
- No prior financial knowledge required
Considered Pre-Retirement Engagement
A five-month mentor-led programme for those approximately five to ten years from retirement, examining the full picture — 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 at an unhurried pace.
- EPF strategy and Account 2 considerations
- Review of supplementary savings and PRS
- Insurance adequacy and healthcare provisioning
- Considered sequencing of retirement withdrawals
- Midway review and written closing summary
Comparing the three programmes
This table may help you decide which programme is appropriate for where you are now. There is no obligation to take more than one, and many participants complete just the one that fits their immediate need.
| Feature | Orientation RM 510 |
Documents RM 1,560 |
Pre-Retirement RM 2,690 |
|---|---|---|---|
| Format | Small group | Small group | Private, 1-on-1 |
| Duration | 3 weeks | 6 weeks | 5 months |
| Written summaries | |||
| EPF and retirement focus | EPF statements | ||
| Insurance and healthcare | Policy schedules | ||
| Midway review | |||
| Post-programme follow-up | 30 days | ||
| Best for | Starting the conversation | Reading your paperwork | 5–10 years from retirement |
Standards that apply to every programme we run
Education, not financial advice
We explain. We do not recommend products, manage portfolios, or provide regulated financial advice of any kind.
Participant privacy maintained
Group sessions do not require participants to share personal financial figures. Individual circumstances remain private.
Annual content review
Programme materials are updated annually to reflect changes in EPF policy, LHDN requirements and insurance norms.
Post-session written records
Every session is followed by a facilitator-prepared written summary, sent to participants within one working day.
Group sizes respected
New cohorts are opened only when the group size remains within the established limit. No exceptions are made.
Full information before enrolment
Fees, dates, group size and programme scope are all shared clearly before any commitment is made.
Programme fees at a glance
All fees are stated in Malaysian Ringgit and include all written materials. No additional charges for summaries or follow-up within the programme period.
The Orientation
- 3 weekly group sessions
- Between-session writing exercises
- Written summaries included
- Cash flow and holdings focus
Reading Documents
- 6 weekly group sessions
- Six document types covered
- EPF, insurance, unit trust, tax
- Written summaries included
Pre-Retirement
- 5 monthly private sessions
- Midway review included
- Written closing summary
- 30-day follow-up window
Not sure which programme is the right one for you?
Write to us with a brief description of where you are now. We will respond with a considered suggestion, without any pressure to enrol.
Send an Enquiry