Three programmes, each with a defined scope and a stated price.
Select the programme that matches where you are in your financial life. If you are not certain which one is right, contact us and we will help you decide.
Our Methodology
How these programmes are built and delivered.
Each programme begins with written materials distributed before the first session. This is not a formality — it is how we make class time useful. Participants who arrive having read the pre-session notes can ask better questions and have more productive discussions than those encountering the content for the first time in the room.
The twelve-week course follows a fixed curriculum, advancing from foundational concepts to more complex decisions across each Saturday session. The retirement seminar uses a different model: the group's own circumstances become the material, and the faculty member's role is to guide the reading of that material. The workshop is the most compact format — a single four-hour session on one well-defined topic.
All programmes conclude with a written note that each participant takes home. It is not a certificate of completion. It is a set of notes specific to what was taught in that cohort, useful for reference afterwards.
Pre-session reading provided
Distributed before each session begins
Maximum 12 participants
All formats; no exceptions
Saturday schedule throughout
Designed for working adults
No product recommendations
Structural independence from finance industry
Twelve-Week Investing Foundations
A twelve-week structured course intended for adults beginning a serious study of personal investing in their forties or later. The curriculum begins with the relevant Malaysian regulatory and tax context, moves through asset classes in turn, examines portfolio construction at the level of household decisions rather than institutional ones, and concludes with a substantial unit on retirement-horizon planning specific to Malaysian conditions. Sessions are held on Saturday mornings at our premises, with written materials provided in advance. Twelve participants per cohort.
What the curriculum covers
- Malaysian regulatory framework: SC licensing, capital markets law, investor protections
- LHDN treatment of investment income, dividends, and capital transactions
- Asset classes: equities, fixed income, unit trusts, REITs, alternative assets
- Portfolio construction for a household at mid-career or approaching retirement
- Retirement-horizon investing: drawdown planning, sequencing risk, EPF post-withdrawal
- Reading and evaluating financial statements and fund factsheets
Duration
12 Saturday mornings
Cohort size
Max 12
Tuition
MYR 2,150
How each session is structured
- 1Pre-session reading distributed the Thursday before
- 2Saturday morning: faculty-led discussion of the reading material
- 3Application exercise using current Malaysian market data or case
- 4Open question period — all questions answered before close
- 5Written session summary distributed at close
The seminar format, explained
Unlike a lecture course, the retirement reading seminar treats each participant's own situation as the primary material. The faculty member leads a structured reading of the relevant frameworks; participants apply them to their own circumstances within the confidential group. By the final session, each participant has drafted a personal statement of financial intent — a document for their own use, not a submission to anyone.
Format: Seminar · Confidential · 6 × 2 hours
Six-Session Retirement Reading Course
A focused six-session course for those between fifty and sixty-five who would value an unhurried, substantive reading of their own retirement position. Each session is two hours, with pre-reading provided. The course covers EPF and PRS structures, the practicalities of decumulation, the question of housing in late life, the family financial conversation, and the writing of a clear personal statement of intent. Conducted as a seminar; participants discuss their own circumstances in confidence.
Six session topics
- 1EPF structures: Akaun 55, Akaun Sejahtera, withdrawal options at 50 and 55
- 2PRS: how it works, whether it suits your position, what to do with existing units
- 3Decumulation: the question of how to spend what you have saved
- 4Housing in late life: own vs rent, downsize vs stay, property as a retirement asset
- 5The family financial conversation: what to tell your spouse, children, and siblings
- 6Writing your personal statement of intent: a record of your decisions and reasoning
Duration
6 sessions × 2 hours
Age range
50–65 primarily
Tuition
MYR 980
Single-Topic Saturday Workshop
A four-hour Saturday workshop on a single substantive topic — currently rotating between estate planning under Malaysian law, the practicalities of property in retirement, and the conversation between generations about family finances. Conducted by a faculty member with relevant practice experience, with written notes for the participant to take home. Suitable for adults who would value a careful introduction to one matter at a time.
Current workshop rotation
Workshop A: Estate Planning under Malaysian Law
Wills, letters of administration, nominees vs beneficiaries, Faraid for Muslim estates, trust basics, practical steps to take now. Led by a solicitor with estate practice experience.
Workshop B: Property in Retirement
Whether to sell, downsize, or retain your property; rental income practicalities; housing as a late-life asset; RPGT implications; reverse mortgage products in Malaysia.
Workshop C: The Inter-Generational Family Finances Conversation
How to have an honest conversation with your spouse, adult children, and siblings about financial plans, expectations, and responsibilities. What to disclose, what to document, and when.
Duration
4 hours, one Saturday
Format
Taught, with notes
Tuition
MYR 480
What the workshop day looks like
- 19:00 am — Welcome, written notes distributed, objectives of the day stated
- 29:15 am — First block: foundation and legal framework
- 310:45 am — Short break
- 411:00 am — Second block: practical application and participant questions
- 512:30 pm — Summary, open questions, notes confirmed
- 61:00 pm — Close
Decision Guide
Which programme is right for you?
Use this table to compare the three formats. If you remain uncertain, write to us and describe where you are — we will suggest what fits.
| Feature | Investing Foundations | Retirement Reading | Saturday Workshop |
|---|---|---|---|
| Best for | Adults 40+ starting a serious study of investing | Those 50–65 reading their own retirement | Anyone needing one topic covered carefully |
| Duration | 12 Saturdays | 6 sessions × 2h | 1 Saturday (4h) |
| Format | Taught course | Seminar | Workshop |
| Tuition (MYR) | 2,150 | 980 | 480 |
| Pre-session reading | |||
| Written notes to keep | |||
| Cohort confidentiality |
Standards
Standards that apply across all programmes.
Participant Privacy
Names, contact details, and seminar discussions are held in strict confidence. No participant information is used for marketing or shared with third parties.
Annual Content Review
All course materials are reviewed in January each year against changes in Malaysian law and regulation. Outdated material is corrected before any cohort begins.
Licensed Practitioners Only
All teaching is done by faculty holding current professional licences: CFP (financial planning), CA (chartered accountancy), or admitted solicitor. No exceptions.
No Commission Arrangements
Hikmat Academy does not hold referral agreements or product commissions with any financial institution, fund manager, or insurance provider.
Post-Course Evaluation
Every cohort completes a written evaluation. Faculty responses to criticism are tracked. Patterns of concern result in curriculum or delivery changes, not dismissal.
Clear Withdrawal Terms
Full refund with 14 or more days notice before start date. Transfer to next cohort available for shorter notice. Terms stated clearly before enrolment is confirmed.
Pricing
What each programme costs.
Programme 3
Saturday Workshop
MYR 480
per participant, one workshop day
- 4-hour Saturday session
- One topic, in depth
- Written notes to take home
- Practitioner faculty
Programme 2
Retirement Reading
MYR 980
per participant, six-session course
- 6 sessions × 2 hours
- Pre-session reading provided
- Confidential seminar format
- Personal statement of intent
- EPF and PRS covered
Programme 1
Investing Foundations
MYR 2,150
per participant, twelve-week course
- 12 Saturday morning sessions
- Pre-session reading each week
- Full Malaysian regulatory context
- Retirement-horizon planning unit
- All materials included
Not certain which programme suits your situation?
Write to us or call. Describe where you are — in terms of your financial position, your age, and what you are trying to understand — and we will tell you which programme, if any, fits.
Get in Touch