Our Courses
Three programmes, each suited to a different financial starting point
From a first look at personal finance vocabulary to a twenty-week planning programme covering the decades ahead — choose the course that fits where you are.
← Back to HomeOur Approach
How our programmes are designed
Each Teratai Jauhari programme is structured as a genuine course of study — not a series of loosely related videos or a one-day workshop. Lessons build on one another. The pace is deliberate. The content is written, reviewed, and updated by people with professional financial and educational backgrounds.
Where appropriate, we include audio versions, practical exercises using real Malaysian financial instruments, and structured reflection points so that learning connects to your own situation rather than remaining abstract.
Sequential Lessons
Each module prepares you for the next. No gaps, no assumed knowledge beyond what the course has covered.
Audio Alternatives
Every written lesson has a spoken version recorded by our instructors — not machine-generated.
Module Checkpoints
Short self-assessments help you track what has settled and what might benefit from a second read.
Regularly Updated
All course materials are reviewed twice a year to reflect changes in Malaysian financial regulation and practice.
Course 01
First Steps Back into Financial Study
A short welcome programme for Malaysian learners in their 40s who have not formally engaged with financial matters since school or early career. The course covers the vocabulary of personal finance without assuming prior reading, introduces the main Malaysian financial institutions, and offers a gentle framework for thinking about a household's financial health. Delivered in short lessons with audio alternatives for those who prefer to listen while walking.
What this course covers
- Core personal finance vocabulary — income, expenses, assets, liabilities, net worth
- Malaysia's major financial institutions — BNM, EPF, PTPTN, Tabung Haji, Amanah Saham
- A household financial health framework — how to take a clear look at where you stand
- Introduction to budgeting approaches suited to Malaysian households
- Basic debt management principles and common debt types in Malaysia
- Printed welcome booklet included — yours to keep
How it is structured
Week one
Financial vocabulary and the Malaysian financial landscape
Week two
Household financial health — taking stock of where you are
Week three
Budgeting approaches and managing day-to-day finances
Week four
Debt, savings, and laying groundwork for further learning
Course 02
Understanding Malaysian Investment Products
An intermediate programme offering a broad survey of investment products available to Malaysian retail investors through licensed channels. The tone is descriptive and honest, not promotional — the aim is to help learners identify which products suit their own circumstances. Shariah-compliant alternatives are covered alongside conventional options throughout.
Products and topics covered
- Unit trusts — conventional and Shariah-compliant, how they work and how to compare them
- ETFs listed on Bursa Malaysia — structure, costs, and how to access them
- Retail sukuk and bonds — what they are and how they differ
- REITs — understanding property investment without buying property
- Fixed deposits vs structured deposits — differences that matter
- PRS funds — understanding the Private Retirement Scheme and its tax incentives
- A careful discussion of heavily marketed products that are often misunderstood
Course 03
Planning the Next Twenty-Five Years
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, asset allocation across the lifecycle, health and long-term care considerations in Malaysia, and the documentation required to support family continuity.
Topics covered across 20 weeks
- Long-term goal-setting — identifying what you are planning toward
- Phased planning across five-year horizons — from now to age 70 and beyond
- Asset allocation evolution — how a portfolio should change as you age
- EPF withdrawal strategy — Account 1 and Account 2, Flexible Account, sequencing
- Malaysian healthcare and long-term care planning — costs, takaful, and private coverage
- Family continuity documentation — wills, nomination, and hibah
- Four one-to-one advisory sessions with our lead educator
Compare
Which course is right for you?
Use this table to find the course that best fits your current knowledge, available time, and what you are hoping to understand by the end.
| Feature | Course 01 RM 690 |
Course 02 RM 1,875 |
Course 03 RM 3,215 |
|---|---|---|---|
| Prior knowledge needed | None | Basic concepts | Some investment literacy |
| Duration | 4 weeks | 9 weeks | 20 weeks |
| Shariah-compliant coverage | Introduction | Comprehensive | Throughout |
| Advisory sessions | — | — | 4 included |
| Audio lessons | |||
| Best suited to | Those returning to financial study after a long gap | Those ready to understand investment options | Those planning for the next 20–25 years in depth |
Not sure which to choose? Contact us and we will help you find the right starting point — no obligation.
Shared Across All Programmes
Standards we maintain regardless of which course you take
Your Privacy is Absolute
Everything you share in advisory sessions or course discussions is held in strict confidence. No participant information is shared with any third party.
Content Reviewed Twice Yearly
Our research team checks all course materials against current BNM guidelines, Bursa data, and Malaysian tax law at minimum twice a year.
Responsive Participant Support
Questions about course content or logistics are answered by a real person within one business day during office hours.
Certificate of Completion
All participants who complete a course receive a formal certificate of completion issued by Teratai Jauhari.
No Commercial Affiliations
We are not affiliated with, nor do we receive payments from, any financial product provider, bank, or insurance company.
Peer Cohort Option
Participants may opt into a small, moderated cohort group of learners at a similar stage — a space for questions without embarrassment.
Your next step
We are happy to help you decide
If you are not sure which course suits your situation, please contact us. We will ask a few simple questions and give you a clear recommendation — no sales pressure, just an honest assessment.