✦ Teratai Jauhari
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A warm corridor with arched windows

Financial Education · Melaka, Malaysia

A Considered Path
Through Personal Finance

Courses designed for Malaysians in their 40s and beyond — clear, unhurried, and free of jargon. Study at your own pace, alongside people who share your stage of life.

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+60 6-283 7619
[email protected]
Jalan Hang Tuah, Melaka

Our Programmes

Three courses, each built around a different stage of your financial journey

First Steps Back into Financial Study
01

First Steps Back into Financial Study

4 weeks  ·  ~2 hours/week  ·  Includes welcome booklet

A considerate welcome programme for Malaysian learners who have not formally engaged with financial matters since school or early career. The course covers personal finance vocabulary without assuming prior reading, introduces Malaysian financial institutions, and offers a straightforward framework for thinking about household financial health. Audio alternatives are available for those who prefer to listen while walking.

  • Plain-language introduction to personal finance concepts
  • Overview of major Malaysian financial institutions
  • A household financial health framework
  • Audio lessons for flexible learning
RM 690 Enquire About This Course
Understanding Malaysian Investment Products
02

Understanding Malaysian Investment Products

9 weeks  ·  ~3 hours/week  ·  Intermediate

A broad survey of investment products available to Malaysian retail investors through licensed channels. Content covers unit trusts (conventional and Shariah-compliant), ETFs on Bursa Malaysia, retail sukuk and bonds, REITs, fixed deposits versus structured deposits, PRS funds, and an honest discussion of products that are often misunderstood. The tone throughout is descriptive, not promotional — the aim is to help learners identify which products fit their own circumstances.

  • Unit trusts, ETFs, REITs and Bursa-listed instruments
  • Shariah-compliant options explained clearly
  • PRS funds and retirement savings channels
  • Honest analysis of commonly marketed products
RM 1,875 Enquire About This Course
Planning the Next Twenty-Five Years
03

Planning the Next Twenty-Five Years

20 weeks  ·  ~4 hours/week  ·  Includes 4 advisory sessions

A longer programme for Malaysian learners aged around 45 to 55 who wish to think carefully about the next twenty-five years of their financial life — through working years, the transition into retirement, and the years beyond. Content covers long-term goal-setting, phased planning across five-year horizons, the evolution of asset allocation across the lifecycle, health and long-term care considerations in Malaysia, and the documentation required to support family continuity. Includes four one-to-one advisory sessions.

  • Five-year phased planning frameworks
  • Asset allocation across different life stages
  • Malaysian healthcare and long-term care planning
  • Four personalised one-to-one advisory sessions
RM 3,215 Enquire About This Course

Why Teratai Jauhari

What makes our approach different from general financial resources

Built for Learners at Midlife

Every lesson is written with someone in their 40s or 50s in mind. Pacing, vocabulary, and examples reflect where you are in life — not where a 25-year-old might be starting.

Honest, Descriptive Content

We describe financial products as they are, not as they are marketed. Our instructors have no incentive to promote any particular product or provider.

Malaysian Context Throughout

Content is grounded in Malaysian law, institutions, and cultural context — including Shariah-compliant options, EPF, PTPTN, and Bursa Malaysia-listed instruments.

Self-Paced, Flexible Study

Short lessons, audio alternatives, and no live session requirements mean you can study around your existing commitments — in the morning, during lunch, or whenever suits you.

Personal Advisory Access

Our longer programme includes one-to-one advisory sessions so you can apply what you have learned to your specific circumstances, not just a generic scenario.

Privacy and Discretion

Your financial questions are personal. All discussions remain strictly between you and our team. We never share participant information with third parties.

Ready to begin?

Which course fits where you are right now?

Send us a message or give us a call. We are happy to help you find the right starting point — there is no pressure and no obligation to decide straight away.

Get in Touch +60 6-283 7619 [email protected]

Questions

Things people commonly ask before enrolling

Do I need any financial background to start?

No prior knowledge is required. Our first course — First Steps Back into Financial Study — is specifically designed for people who feel they need to start from the beginning. If you are unsure which level suits you, get in touch and we can guide you.

Are courses available in Bahasa Malaysia?

Our courses are currently delivered in English, with Malaysian terminology and context throughout. We are developing supplementary materials in Bahasa Malaysia and will announce their availability in due course.

How long do I have access to course materials?

Enrolled participants retain access to all lesson materials for twelve months from the date of enrolment. The printed welcome booklet included in Course 01 is yours to keep.

Is the content suitable for those considering retirement?

Absolutely. Planning the Next Twenty-Five Years is designed specifically for those approaching or thinking ahead toward retirement. It covers the transition period in detail, including EPF withdrawal strategies, healthcare cost planning, and phased financial arrangements.

How do the one-to-one advisory sessions work?

The four sessions included in Planning the Next Twenty-Five Years are scheduled at intervals across the programme. Each session is one hour, conducted via video call or in person at our Melaka office, and focuses on your specific situation rather than general scenarios.

What is your refund or withdrawal policy?

If you need to withdraw before accessing any course content, we will refund the full amount. After accessing materials, our refund policy is outlined in the Terms & Conditions. Please contact us directly if circumstances change — we will do our best to accommodate you.

Our Location

Visit Us in Melaka

Teratai Jauhari  —  Jalan Hang Tuah 19, 75300 Melaka, Malaysia

Contact

We are happy to answer your questions

Contact Details

  • Address

    Jalan Hang Tuah 19
    75300 Melaka, Malaysia

  • Office Hours

    Monday – Friday: 9:00 am – 5:30 pm
    Saturday: 9:00 am – 1:00 pm
    Sunday & Public Holidays: Closed

"There is no unsuitable question. If you are not sure where to start, or what any of it means, we are here to help you find out."

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