MY
2025
A note to the considered reader —
Understanding your own finances, at your own pace.
Small-group programmes for Malaysians in their forties, fifties and beyond who would like to read their own financial paperwork with greater ease — and approach the coming years with clearer sight.
Our Programmes
Three courses, offered at unhurried intervals
2025
A First Postcard to Yourself: An Inventory
A three-week introductory course built around a single careful written exercise — a structured note on present holdings, recurring commitments, and standing intentions. The postcard artefact is meant to be revisited once a year. Small group with written summaries afterwards.
- 3 facilitated sessions
- Written summary provided
- Annual review artefact
2025
Reading Statements and Disclosures Plainly
A six-week course on reading the everyday paperwork of personal finance — bank statements, EPF statements, fund factsheets, insurance schedules, unit trust statements and tax slips — in plain English. Each week takes one document type and walks through the items that often go unread.
- 6 weekly sessions
- One document type per week
- EPF, insurance, tax slips covered
2025
Considered Pre-Retirement Engagement
A five-month mentor-led programme for those approximately five to ten years from retirement. Examines EPF strategy, supplementary savings, insurance review, healthcare cost provisioning, and the considered sequence of withdrawals over a long horizon. Monthly private sessions with a written closing summary.
- Monthly private sessions
- Midway review included
- Written closing summary
Why Hikmah Saujana
What sets these programmes apart
Small groups, unhurried pace
No large seminar rooms. Every programme runs in a small group so each participant has the space to ask the question they have been carrying for years.
Malaysian paperwork, specifically
Content is built around the documents Malaysians actually hold — EPF statements, LHDN slips, Takaful schedules — not generic international examples.
Written summaries after each session
Every session produces a brief, clear written record so participants leave with something they can re-read at their leisure.
Education, not sales
No products are sold in or after these programmes. The only purpose is that you leave understanding your own situation more clearly than when you arrived.
Designed for the 40+ reader
Language, examples and pace are all calibrated for those who are well into their working lives and approaching the years when decisions carry greater consequence.
Private and discreet
Financial matters are personal. Group sizes are kept small enough that the setting feels more like a reading circle than a classroom.
A quiet step forward
Would you like to feel at ease with your own financial paperwork?
Send a note to the team. We will describe the current intake schedule and help you decide which programme, if any, is a reasonable fit for where you are.
Common Questions
Questions often asked before enrolment
Do I need any prior knowledge of finance to attend?
How large are the groups?
Are the programmes held in person or online?
Will anything be sold to me during or after the programme?
What is the payment arrangement?
Is my personal financial information kept private?
Our Location
Find Us in Kuala Lumpur
92 Jalan Pinang, 50450 Kuala Lumpur
Write to Us
Send an Enquiry
We respond within two working days, usually sooner.
Contact Details
Telephone
+60 3-7826 4159Address
92 Jalan Pinang, 50450 Kuala Lumpur, MalaysiaOffice Hours
Monday – Friday: 9:00 am – 5:30 pmSaturday: 9:00 am – 1:00 pm
Closed Sunday & Public Holidays