Kuala Lumpur · Est. 2011

Financial education for people who have lived long enough to ask better questions.

Three programmes taught by practitioners — covering household investing, career transitions, and the decisions that accompany each. No pressure, no shortcuts. Just careful instruction.

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+60 3-4023 7896 [email protected] 1,200+ participants since 2011

Our Programmes

Each programme is designed around the real financial questions that arise in the second half of a working life. The teaching is direct; the materials are substantive.

Substantive Investing Programme

14 Weeks · Wednesday Evenings

A fourteen-week course for adults with prior investing exposure who want to work at the level required for confident household capital decisions. Portfolio theory, Malaysian fixed-income markets, unit trusts, ETFs, and when to engage a professional adviser.

Portfolio theory at working depth
Malaysian fixed-income and ETF products
Decision frameworks for household capital

MYR 2,300 Enquire

Late-Career Planning Course

6 Sessions · Saturday Mornings

Six sessions for those approaching or recently past a significant career transition — early retirement, consultancy, or winding down a business. Taught by faculty with relevant practice experience. Held at the institute's premises.

Financial reality of career transitions
Household-level income and spending decisions
Taught by practitioners with field experience

MYR 1,290 Enquire

Evening Lecture

Monthly · 2 Hours · Open to Public

A monthly two-hour lecture on a single topic in personal finance — open to the public. Recent subjects have included housing decisions across generations, EPF withdrawal timing, and the practicalities of drawing down accumulated savings.

Written summary sent ahead of each session
Curated reading list included
No prior knowledge assumed

MYR 470 Enquire

Why Permata Studies

Instruction built around the experience participants already bring, not around the assumption that they are starting from zero.

Faculty with Practice Experience

Every course is led by a faculty member with direct professional experience in the subject taught, not only in the classroom presentation of it.

Curriculum Built for This Stage

The material addresses the specific decisions that arise in one's forties, fifties, and sixties: transition planning, capital stewardship, EPF decisions, and generational wealth conversations.

Measured, Honest Teaching

No overclaiming. Our prospectus describes what each programme covers, how long it runs, and what participants can reasonably expect to take away.

Rooted in the Malaysian Context

Our investing programme draws on instruments available in Malaysia: Bursa-listed products, local unit trust structures, EPF voluntary contributions, and ASB/ASN options.

Small Cohorts

Enrolment in each programme is kept small so that discussion is possible and questions from participants can be taken seriously in the time available.

Written Materials Included

Each programme provides printed course notes and a reading list. Evening lecture participants receive a written summary before the session.

Would you like to see the full programme details?

Write to us or call and we will post the current prospectus, including schedules, faculty notes, and enrolment terms. No obligation.

Request a Prospectus

+60 3-4023 7896 [email protected]

Questions We Are Often Asked

Who are these programmes intended for?

Adults in their forties, fifties, and sixties — whether still in employment, approaching a career change, or already retired. Participants generally arrive with some familiarity with financial concepts through professional life or personal experience, but no formal finance background is assumed or required.

Where are sessions held?

At our premises at 95, Jalan Putra, 50350 Kuala Lumpur. The building is accessible by public transport. Parking is available nearby. All three programmes — including the Evening Lecture — are held in-person at this address.

What happens if I miss a session?

For the Substantive Investing Programme and the Late-Career Planning Course, notes for missed sessions are provided. However, these programmes are structured to build on each prior session, and regular attendance is strongly advised. We do not currently offer recorded alternatives.

Are certificates issued upon completion?

A certificate of attendance is issued to participants who complete the Substantive Investing Programme and the Late-Career Planning Course. These are records of participation, not professional qualifications. Evening Lecture attendees receive a written summary but no certificate.

What is the refund or deferral policy?

We accept requests to defer enrolment to the next intake if received at least fourteen days before the programme begins. Refunds are considered on a case-by-case basis for circumstances arising after that point. Please contact us directly to discuss your situation.

How do I pay the programme fee?

Payment details are provided after your enquiry has been processed. We accept bank transfer and selected online payment methods in Malaysian Ringgit. Full payment is due before the first session.

Is the Evening Lecture suitable for someone with no prior financial knowledge?

Yes. The Evening Lecture is open to the public and is designed to be understood without specialist background. The written summary sent in advance helps participants follow the discussion. It is also a useful way to assess whether the longer programmes would suit you.

Our Location

95, Jalan Putra, 50350 Kuala Lumpur, Wilayah Persekutuan

Get in Touch

Write to us with your enquiry or request a programme prospectus. We respond within two working days.

Contact Details

Telephone

+44 22 403 59 30

[email protected]

Address

95, Jalan Putra
50350 Kuala Lumpur
Wilayah Persekutuan, Malaysia

Office Hours

Monday – Friday: 9:00 am – 5:30 pm

Saturday: 8:30 am – 1:00 pm

Closed on Sundays and public holidays