Our Programmes
Three Programmes.
One Clear Purpose.
Each programme addresses a specific gap in financial understanding that tends to appear in the 40s and 50s. Browse them below and see which one speaks to where you currently are.
Back to HomeOur Approach
How We Structure Our Programmes
Every Sejahtera Hub programme follows the same underlying philosophy: start with where the participant actually is, build understanding through structured discussion and practical exercises, and make sure something concrete is produced by the end.
Listen First
We begin by understanding your current situation, goals, and concerns — not by delivering a standard opening script.
Build Understanding
Sessions combine explanation, worked examples, and open questions. Participants come away knowing why something works, not just what to do.
Practise with Materials
Worksheets, workbooks, and comparison exercises connect theory to your actual financial documents and circumstances.
Leave with a Document
Every programme produces a tangible output — a worksheet, workbook, or wealth blueprint — that is yours to reference and build on.
Programme 01
Couples Financial
Alignment Session
A two-session guided conversation for couples who want to align their financial goals and habits. Covers joint versus separate account strategies, shared expense management, combined retirement projections, and how to navigate financial conversations constructively. Designed for couples in their 40s and 50s who may have developed individual financial habits over time. Includes a shared financial goals worksheet.
What the Two Sessions Cover
Session 1 — Where You Each Stand
Mapping each partner's current financial position, habits, and goals. Understanding individual perspectives before building a shared view.
Session 2 — Building a Shared Financial Direction
Joint account decisions, shared versus separate expense frameworks, combined retirement timeline review, and completing the shared financial goals worksheet together.
What Is Included
- Two sessions (each approx. 90 minutes)
- Shared financial goals worksheet (completed in session)
- Joint & separate account decision framework
- Combined EPF & retirement projection overview
- Follow-up facilitator access for 30 days after final session
This programme suits you if:
You and your partner want to get on the same page about money — and you want a structured conversation to help you do it without it turning into an argument.
What Is Included
- Three sessions (each approx. 2 hours)
- Fund comparison workbook (used throughout sessions)
- Practice reading real Malaysian fund fact sheets
- Fee structure comparison exercise (sales charge, management fee, trustee fee)
- ASNB vs private fund comparison overview
- Follow-up facilitator access for 30 days
This programme suits you if:
You have heard the term "unit trust" many times but still feel uncertain when you look at a fund fact sheet — and you want that to change.
Programme 02
Unit Trust
Literacy Course
A three-session educational course demystifying unit trusts for the Malaysian investor. Covers fund types (equity, bond, balanced, money market), fee structures (sales charge, management fee, trustee fee), risk-return profiles, and Morningstar-style rating interpretation. Participants practise reading fund fact sheets and comparing fund performance. No prior investment knowledge required. Includes a fund comparison workbook.
What the Three Sessions Cover
Session 1 — Understanding Fund Types
Equity, bond, balanced, and money market funds explained. What each fund type is designed to do and who it is designed for.
Session 2 — Fees, Ratings & Risk
How to calculate the true cost of a unit trust investment. Understanding risk-return profiles and what fund ratings actually mean.
Session 3 — Reading & Comparing Fund Fact Sheets
Hands-on exercise using real Malaysian fund fact sheets. Completing the fund comparison workbook with your own analysis.
Programme 03
Holistic Wealth
Planning Programme
A comprehensive eight-session programme that addresses every aspect of financial life for the 40-plus individual. Sessions cover cash flow architecture, debt strategy, insurance review, investment education, property assessment, tax planning, retirement design, and estate preparation. Each topic uses Malaysian regulatory frameworks and market data. Participants receive a personalised wealth blueprint document. Includes bi-monthly check-ins for one year.
All Eight Sessions
Cash Flow Architecture — Income, outflows, and surplus strategy
Debt Strategy — Mortgage, personal loan, and hire purchase review
Insurance Review — Policy analysis, coverage gaps, and cost assessment
Investment Education — Unit trusts, EPF, and portfolio understanding
Property Assessment — Value, equity, and future planning
Tax Planning — LHDN obligations and relief optimisation
Retirement Design — EPF projections and timeline planning
Estate Preparation — Will writing, faraid, and nomination review
What Is Included
- Eight structured sessions (each approx. 2 hours)
- Personalised wealth blueprint document
- Topic-specific worksheets for each of the 8 areas
- Bi-monthly check-in sessions for one year post-programme
- Malaysian regulatory frameworks applied to your situation
This programme suits you if:
You want a comprehensive, guided review of your entire financial picture — not just one aspect of it — and you want to come away with a personalised document that reflects what you have learned.
At a Glance
Compare the Three Programmes
Not sure which programme fits your situation? This comparison may help narrow it down — or simply get in touch and we will talk it through.
| Feature | Couples Session | Unit Trust Course | Holistic Programme |
|---|---|---|---|
| Price | RM 750 | RM 1,350 | RM 3,430 |
| Number of sessions | 2 | 3 | 8 + check-ins |
| Designed for couples | |||
| Investment focus | |||
| Estate planning coverage | |||
| Personalised wealth blueprint | |||
| One-year follow-up access |
Included Not included Partial / Not primary focus
Across All Programmes
Standards That Apply to Everything We Do
No Product Sales
We hold no product licences and earn no commissions. Every session is shaped entirely by your learning objectives.
PDPA Data Protection
All personal and financial information shared with us is handled in strict compliance with Malaysia's PDPA 2010.
Current Malaysian Content
Programme content is updated regularly to reflect current EPF structures, SC regulations, and BNM guidelines.
Ready to Take the Next Step?
Enquire at Your Own Pace
There is no pressure in reaching out. Tell us which programme caught your attention, or simply describe your situation and we will respond thoughtfully.
Get in Touch