Three Programmes, One Steady Direction
Choose the depth that suits where you are right now — a short introduction, a focused retirement track, or the full picture across six weeks.
Back to HomeHow Our Programmes Are Structured
Each programme begins where most financial conversations should — with a clear picture of what you currently have and what terms like EPF, PRS, and retirement account really mean in practice. From there, sessions build gently and logically.
We do not move on until the group is comfortable. Questions are part of the session, not interruptions. And every participant leaves each week with written notes, not just memories of a slide deck.
All three programmes are product-free. No fund manager will present. No insurance agent will follow up. The sessions are run by our own educators, and that is how it stays.
Layered knowledge, not information overload
Each session builds on the last. Nothing is introduced before its groundwork is laid.
Written materials for every session
Notes, worksheets, and reference guides accompany every week of learning.
No product-affiliated presenters
All sessions are delivered by Padi educators only. No external speakers with products to sell.
Planting Your Money Basics
A calm introductory class for adults who want to lay steady ground in everyday finance. It covers budgeting, saving habits, and reading your own KWSP and bank statements — explained in plain terms across two relaxed sessions.
You leave with a workbook to keep, so the material stays useful long after the sessions end. This programme suits anyone who wants a clear starting point without being overwhelmed.
2 sessions (approx. 3 hours each)
Workbook included, yours to keep
No prior financial knowledge required
Groups of up to 12 participants
Understanding Your Statements
Reading your bank and KWSP statements, identifying what each figure means.
Building a Monthly Budget
A simple, workable approach to tracking income and outgoings without spreadsheet complexity.
Steady Saving Habits
Practical approaches to saving that fit around real life — not advice designed for someone with a different income.
Tending Your Retirement Plan
A guided four-session track that helps you understand how EPF, PRS, and personal savings work together over time. The focus is on your own clear understanding — so you can weigh options calmly, without pressure and without product selling.
A personal review session is included, giving you time to look at your own situation with one of our educators. Worksheets are provided throughout.
4 sessions (approx. 3 hours each)
Personal review session included
EPF Account 1 & 2 explained in depth
PRS overview and how it fits
Your EPF Picture
How EPF accounts work, what your current balance means, and what to expect at withdrawal age.
PRS Explained
What the Private Retirement Scheme is, how contributions work, and how it sits alongside EPF.
Savings and Gaps
Identifying your retirement savings picture and understanding where gaps may exist without pressure to act immediately.
Personal Review
A one-to-one conversation with a Padi educator to look at your own situation specifically.
The Full-Season Retirement Programme
A thorough six-week programme for those who want to understand the whole picture — budgeting, estate planning (wasiat and hibah), healthcare financial planning, and patient investing concepts, all covered at a restful weekly pace.
Includes a printed programme guide and follow-up support after the sessions end. This is Padi's most complete offering, built for adults who are ready to look at their retirement and later years seriously and without rush.
6 weekly sessions (approx. 3 hours each)
Printed programme guide included
Post-session follow-up support
Wasiat & hibah basics covered
Healthcare financial planning included
Budgeting & Financial Foundations
EPF, PRS, and Retirement Savings
Wasiat, Hibah & Estate Basics
Healthcare Financial Planning
Investing Concepts — Patient & Plain
Putting the Picture Together
Which Programme Is Right for You?
A quick comparison to help you decide where to begin.
| What's Included | Basics RM 235 |
Retirement Plan RM 480 |
Full-Season RM 800 |
|---|---|---|---|
| Best for… | Starting fresh | EPF & retirement focus | The complete picture |
| Number of sessions | 2 | 4 | 6 |
| Budgeting basics | |||
| EPF & KWSP explained | Overview | ||
| PRS overview | — | ||
| Personal review session | — | ||
| Wasiat & hibah basics | — | — | |
| Healthcare financial planning | — | — | |
| Investing concepts | — | — | |
| Printed guide included | Workbook | Worksheets | Full guide |
| Follow-up support | — | — |
Programme Fees
All fees include materials. No hidden costs, no upsell at the end of the course.
Money Basics
RM 235
per person · 2 sessions
- 2 sessions (~3 hrs each)
- Workbook included
- Budgeting & KWSP basics
- Group up to 12
Retirement Plan
RM 480
per person · 4 sessions
- 4 sessions (~3 hrs each)
- Personal review included
- EPF & PRS in depth
- Worksheets included
Full-Season
RM 800
per person · 6 sessions
- 6 weekly sessions
- Printed programme guide
- Wasiat, hibah & healthcare
- Follow-up support
Across All Programmes
Standards that apply to every session, every cohort, every year.
Privacy of Participants
Personal financial details shared in sessions are treated as confidential. Nothing is recorded without consent.
Current Content
All materials are reviewed twice yearly to reflect changes in EPF, PRS, and Malaysian estate regulations.
Capped Group Sizes
No cohort exceeds twelve participants. Quality of learning matters more than quantity of sign-ups.
Zero Product Affiliation
No financial product providers present at or sponsor any Padi programme. Our content is independent by design.
Participant Feedback
Written feedback collected after every session. We read and act on it before the next cohort begins.
Registered Provider
Padi is registered with SSM as an education provider operating in Negeri Sembilan, Malaysia.
Not Sure Which Programme to Start With?
Get in touch and we will help you decide based on where you are right now. There is no obligation and no sales follow-up.
Send an Enquiry