Three Programmes, Each at Its Own Depth
From first steps in personal finance to detailed estate planning — our courses follow learners wherever they are in their financial lives.
Back to HomeHow We Approach Financial Education
Each programme at Sinar Wawasan is built around the same foundation: content developed specifically for the Malaysian financial system, delivered at a pace that respects the learner. We do not assume that a learner who is unclear about their EPF allocation is unintelligent — we assume they have been given insufficient opportunity to understand it.
Sessions are pre-recorded and can be revisited as often as needed. Live Q&A sessions and advisory meetings are scheduled at regular intervals. Physical materials are posted to each learner's address in Malaysia. Support continues throughout the programme duration through a private forum moderated by our team.
Foundations of Financial Wellbeing After 40
A foundational programme designed for learners who wish to revisit the essentials of personal finance with fresh eyes. Across eight weekly sessions, participants explore budgeting frameworks suited to mid-career households, the role of the EPF and PRS in Malaysian retirement planning, basic insurance literacy, and how to read a unit trust fact sheet without feeling overwhelmed.
Modules at a Glance
- 1Understanding where your money goes — household budgeting for mid-career
- 2EPF Accounts 1 and 2 — what they are and how they work for you
- 3PRS — who it suits and how to contribute sensibly
- 4Insurance literacy — reading a policy without anxiety
- 5Unit trust fact sheets — what to look for and what to ignore
Modules at a Glance
- 1Mapping your retirement — what age 55, 60 or 65 might look like financially
- 2EPF Account 1 and Account 2 mechanics for pre-retirement households
- 3PRS contribution strategies for those nearing the end of working years
- 4Malaysian tax reliefs available to those approaching retirement
- 5Healthcare planning and drawing down savings at a measured pace
Retirement Planning Pathway
A considered, step-by-step programme for Malaysians aged 40–60 who want a clearer picture of what retirement at 55, 60 or 65 might look like in practical terms. Modules cover EPF mechanics, PRS contribution strategies, Malaysian tax reliefs, healthcare planning, and the basics of drawing down savings in a measured way.
Legacy Portfolio Programme
A thoughtful, longer-form programme for those approaching 50 and beyond who wish to understand portfolio construction, estate considerations, and the transfer of wealth in a Malaysian context. Content covers Shariah-compliant and conventional investment vehicles, REITs, Malaysian government bonds, hibah arrangements, wasiat drafting, and the role of trustees.
Modules at a Glance
- 1Portfolio construction principles — conventional and Shariah-compliant
- 2Malaysian REITs and government bonds — what they offer in later years
- 3Hibah arrangements and their role in Malaysian estate planning
- 4Wasiat drafting — with guest lawyer session
- 5The role of trustees and how to select the right arrangement
What Each Programme Includes
| Feature | Foundations RM 745 |
Retirement RM 1,680 |
Legacy RM 3,285 |
|---|---|---|---|
| Duration | 8 weeks | 12 weeks | 20 weeks |
| Pre-recorded sessions | |||
| Live Q&A sessions | Monthly | Bi-weekly | Weekly |
| One-to-one advisory sessions | 1 session | 6 sessions | |
| Printed materials | Workbook | Ledger | Compendium |
| Personalised written plan | |||
| Estate / hibah / wasiat content | |||
| Instalment payment |
Not sure which one fits?
If you have not thought about EPF or personal finance for a while, Foundations is almost always the right starting point — even for those who will eventually move to the Retirement or Legacy programme. A short conversation with our team can help you decide. There is no obligation.
Ask Our TeamProfessional Standards We Maintain
Confidentiality
What you share in advisory sessions stays between you and your advisor. Nothing is disclosed to third parties or used for marketing.
Annual Content Updates
EPF contribution rules, LHDN thresholds, and regulatory changes are reflected in updated session recordings each year.
SC-Licensed Faculty
Advisors hold valid licences from the Securities Commission Malaysia. Guest practitioners hold the relevant bar or professional credentials.
Transparent Fees, No Hidden Costs
- Pre-recorded sessions
- Monthly live Q&A
- Printed workbook
- Forum access
- Pre-recorded sessions
- Bi-weekly Q&A
- 1-to-1 advisor session
- Printed ledger
- Instalments available
- Pre-recorded sessions
- Weekly Q&A
- 6 one-to-one sessions
- Personal financial plan
- 24-month archive access
Begin When You Are Ready
Our team can answer any questions before you decide. Programmes start on a rolling basis — there is no fixed intake date to worry about.
Contact Our Team