2025
Three Programmes —
From a first careful look to a considered five-month engagement
Three programmes, each designed for a different point in one's relationship with financial paperwork — from a first orientation to a thorough pre-retirement review. Fees in Ringgit Malaysia.
← Back to HomeOur Approach
How the programmes are structured
Each programme at Hikmah Saujana is built around a specific type of engagement — not a general survey of financial principles, but a focused examination of the documents and decisions that are most relevant at a given point in life.
The introductory course centres on a single written exercise. The statements course moves through one document type per week. The pre-retirement engagement unfolds over five months, with monthly private sessions and a written review at its midpoint.
Enquiry and intake conversation
Write to the team. We describe the current schedule and discuss which programme, if any, is a reasonable fit.
Enrolment and fee payment
A place is confirmed once payment is received. Group sizes are kept small, so places are limited per intake.
Sessions and written summaries
Facilitated sessions are held in person in Kuala Lumpur. A written summary follows each session.
Closing summary and follow-up access
The programme closes with a written summary. Pre-retirement participants retain written follow-up access for six months.
A First Postcard to Yourself: An Inventory
A three-week introductory course built around a single careful exercise — writing, slowly, one structured note to one's future self that covers present holdings, recurring commitments, and standing financial intentions. The postcard is the artefact of the course: a personal document meant to be kept and revisited once a year. Sessions are held in a small group with one facilitator, and written summaries are distributed afterwards.
- Three facilitated group sessions
- Structured exercise produces a personal, reusable artefact
- Written summary after each session
- No prior financial knowledge required
Best suited for
Those who have never taken stock of their own financial position and want a calm, structured place to begin.
Enquire About This ProgrammeReading Statements and Disclosures Plainly
A six-week course on reading the everyday paperwork of personal finance in plain English — bank statements, EPF statements, fund factsheets, insurance policy schedules, unit trust statements, and tax slips. Each week is dedicated to one document type, walking through the items that most often go unread: the charges, the exclusions, the fine-print columns. Useful for anyone who would like to feel quietly competent in front of their own financial paperwork.
- Six weekly sessions — one document type each
- Covers EPF, Takaful schedules, LHDN slips, fund factsheets
- Plain English — technical terms defined as they arise
- Written summary and reference sheet after each session
Best suited for
Those who receive financial statements regularly but find that sections of them remain unclear — and who would like that to change.
Enquire About This Programme
Considered Pre-Retirement Engagement
A five-month mentor-led programme for those approximately five to ten years from retirement. The engagement examines the full picture — EPF strategy across all three accounts, supplementary savings (PRS, ASB, private savings), insurance and Takaful review, healthcare cost provisioning, and the considered sequence of retirement withdrawals over a long horizon. Monthly private sessions, a midway review, and a written closing summary. Single-track — one participant per engagement.
- Five monthly private sessions
- Full review of EPF, savings, insurance, healthcare provisioning
- Midway review session included
- Written closing summary delivered at end of engagement
- Six months written follow-up access at no additional charge
Best suited for
Those within five to ten years of retirement who want to examine the full picture with a knowledgeable facilitator before making any significant decisions.
Enquire About This ProgrammeChoosing a Programme
Which programme fits your situation?
RM 540
RM 1,560
RM 2,720
Not sure which programme is right? Write to us — we will help you decide.
Fees
Programme fees, plainly stated
Programme 1
An Inventory
- 3 facilitated sessions
- Written materials included
- Session summaries
- Personal postcard artefact
Programme 2
Statements & Disclosures
- 6 weekly sessions
- Six document types covered
- Reference sheets per session
- Written summaries throughout
Programme 3
Most ComprehensivePre-Retirement Engagement
- 5 monthly private sessions
- Full EPF & savings review
- Healthcare cost provisioning
- Written closing summary
- 6 months follow-up access
Staged payment available for Programme 3. Please mention this in your enquiry.
Shared Standards
What all three programmes hold in common
Participant privacy
Information shared in sessions is held in strict confidence and not passed to any third party under any circumstance.
No products, ever
No financial products are recommended, sold, or referred across any of the three programmes. The engagement is educational only.
Written summaries provided
Every facilitated session produces a brief written record distributed only to that session's participants — a reference to keep.
Materials updated each intake
Programme materials are reviewed before each cohort to reflect the latest EPF, LHDN, and Takaful regulatory positions.
Plain English throughout
Technical terms are defined when first introduced and revisited as needed. Questions are welcomed at any point in the session.
Small, considered groups
Group sizes are kept deliberately small so each participant can ask personal questions without feeling exposed in a large room.
Which programme is a fit for you?
Write a brief note to the team. We will describe the current intake schedule and help you decide without any pressure to commit.
Send an Enquiry