Permatasfj
Programme overview

Three Programmes · Malaysian Context

Programmes designed around the decisions you are actually facing.

Each Permata Studies programme has a defined scope, a stated duration, and a clear account of what participants will know at the end. Three programmes, three different purposes. The prospectus covers each in full.

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Our Teaching Approach

The curriculum at Permata Studies proceeds from the assumption that participants already bring something to the classroom — professional experience, financial exposure through business or employment, or the specific questions that come from managing a household at a particular stage of life. Teaching starts from that point.

Sessions are structured around the Malaysian financial context: EPF, the local unit trust market, Bursa-listed securities, ASB, and the regulatory framework within which household financial decisions are made. We do not use generic international examples where Malaysian-specific material is available and more useful.

Each programme is taught by a faculty member with direct professional background in that subject. Visiting practitioners contribute to specific sessions where a particular area of experience is relevant. No session is delivered by someone without relevant field background.

Sequential structure

Each session builds on the session before it. Participants who miss sessions are provided with notes but should attend consistently.

Malaysian focus

EPF, ASB, Bursa, and local trust structures are covered as primary examples, not afterthoughts.

Written materials

Printed course notes, reading lists, and pre-session summaries are standard in all three programmes.

Small cohorts

Enrolment is capped so questions are addressed properly in session time.

Programme 1 · 14 Weeks · Wednesday Evenings

Substantive Investing Programme

A fourteen-week programme intended for adults who already have some experience of investing — perhaps through professional life or family business — and who would like to deepen their understanding to the level required for confident decisions about household capital. The curriculum is demanding.

Topics covered include portfolio theory at a working level, the practicalities of fixed-income markets in Malaysia, the structure of unit trust and ETF products available locally, and the careful question of when to engage a professional adviser. Sessions run on Wednesday evenings at the institute's premises.

What the programme covers:

  • Portfolio theory — construction, diversification, risk measurement at a working level
  • Malaysian fixed-income markets: government securities, corporate bonds, and instruments held via unit trusts
  • Structure and costs of unit trust products registered with the Securities Commission
  • ETF products available on Bursa Malaysia, including their mechanics and tax treatment
  • EPF voluntary contributions and Account 1 investment options
  • A framework for deciding when to work with a licensed financial planner

How the programme is delivered:

  1. 1 Weeks 1–4: Portfolio theory and risk concepts applied to household portfolios
  2. 2 Weeks 5–8: Malaysian fixed-income instruments and income-generating structures
  3. 3 Weeks 9–11: Unit trusts, ETFs, and EPF-linked investment options
  4. 4 Weeks 12–14: When to engage professional advice and how to assess it

Programme Fee

MYR 2,300

Inclusive of all printed course materials

Enquire →
Substantive Investing Programme
Late-Career Planning Course

Programme 2 · 6 Sessions · Saturday Mornings

Late-Career Planning Course

A six-session course for those in the years immediately before or after a substantial career transition — early retirement, a move to consultancy, or the wind-down of an owner-operated business. The course is concerned with the financial reality of these transitions and the household-level decisions they require.

Taught by faculty with relevant practice experience, each session addresses a specific dimension of the transition. Sessions are held on Saturday mornings at the institute's premises, allowing participants who are still in full-time employment to attend without taking leave.

What the course covers:

  • Calculating the income replacement required for different transition scenarios
  • EPF withdrawal options: timing, Account 1 and Account 2, and the implications of each
  • Transitioning from accumulation to drawing down savings — what changes and what does not
  • Insurance and protection review at the transition point
  • Financial dimensions of winding down an owner-operated business
  • Household and family financial conversations that accompany major transitions

Session structure:

  1. 1 Session 1: Income replacement — what you need and what you have
  2. 2 Session 2: EPF — withdrawal options and their financial consequences
  3. 3 Session 3: From building to drawing — decumulation in practice
  4. 4 Sessions 4–6: Insurance review, business transitions, and family financial conversations

Course Fee

MYR 1,290

Inclusive of all printed course materials

Enquire →

Programme 3 · Monthly · Open to the Public · 2 Hours

Evening Lecture

A two-hour evening lecture on a single substantive topic in personal finance, held monthly at the institute's premises and open to the public. Topics are drawn from questions that practitioners and previous participants identify as underserved in available public discussion.

Lectures include a written summary sent to registered participants in advance, and a brief reading list. No prior financial knowledge is assumed. The Evening Lecture is a useful starting point for those considering one of the longer programmes, and also stands on its own as a single-session education in a specific subject.

Recent and upcoming lecture topics:

  • The long-term family conversation about housing: buy, continue to rent, or downsize
  • EPF withdrawal timing: the financial case for deferring or drawing early
  • Decumulation — how to draw from a portfolio without running it down too quickly
  • Term life versus investment-linked policies: a practical comparison for those over fifty
  • Understanding the charges inside Malaysian unit trust products

What is included:

  1. 1 Written summary of the lecture's subject and argument, sent before the evening
  2. 2 Two-hour in-person session at the institute's premises on Jalan Putra
  3. 3 Brief curated reading list on the session's topic

Lecture Fee

MYR 470

Per session, inclusive of written summary and reading list

Enquire →
Evening Lecture

Choosing the Right Programme

A side-by-side view of the three programmes to help you identify which suits your current situation.

Feature Investing Programme Late-Career Course Evening Lecture
Duration 14 weeks 6 sessions 1 evening
Schedule Wed evenings Sat mornings Monthly
Fee MYR 2,300 MYR 1,290 MYR 470
Open to public
Certificate of attendance
Pre-session written summary
Best for Adults with investing experience who want to work at a deeper level Those approaching or recently past a major career transition Anyone seeking focused, single-topic financial understanding

Shared Standards Across All Programmes

No Product Affiliation

All three programmes are delivered without commercial affiliation to any financial product provider. No referral commissions are paid or received.

Annual Curriculum Review

Materials are reviewed before each new intake to reflect regulatory changes, market developments, and feedback from previous participants.

Participant Privacy

Enrolment details are held securely and used for administrative purposes only. Participants are not added to marketing lists or contacted by third parties.

Pre-Enrolment Prospectus

Every prospective participant receives written programme details — scope, schedule, faculty, and fee — before enrolment is completed.

Capped Enrolment

All programmes are capped. The Investing Programme runs at a maximum of eighteen participants; the Late-Career Course at twelve. Evening Lecture places are also limited.

Accessible Administration

Enquiries by telephone and email are answered by a person, within two working days. There is no automated response system for pre-enrolment questions.

Programme Fees

All fees are stated in Malaysian Ringgit and are inclusive of materials. No additional charges apply.

Investing Programme

14 Weeks · Wednesday Evenings

MYR 2,300

Inclusive of printed materials

  • 14 weekly evening sessions
  • Printed course notes and reading list
  • Certificate of attendance on completion
  • Cohort maximum: 18 participants
Enquire
Most flexible entry point

Late-Career Course

6 Sessions · Saturday Mornings

MYR 1,290

Inclusive of printed materials

  • 6 Saturday morning sessions
  • Printed course notes and reading list
  • Certificate of attendance on completion
  • Cohort maximum: 12 participants
Enquire

Evening Lecture

Monthly · Open to Public

MYR 470

Per session, all materials included

  • 2-hour evening session
  • Written summary sent before the session
  • Curated reading list included
  • No prior knowledge required
Enquire

Not sure which programme to start with?

Contact us with your situation and we will suggest the programme most suited to where you are. The Evening Lecture is often a practical first step.

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