Our Programmes
Three programmes. Each for a particular point in life.
The Bayu Permata curriculum moves in stages — from a first look at household finances, through investment foundations, to the fuller picture required before retirement. Each programme stands independently.
Return to HomeOur Methodology
How each programme is designed and delivered.
Each Bayu Permata programme is built on the same underlying structure: a sequence of sessions that introduce and develop a concept, paired with writing exercises that ask the participant to apply that concept to their own situation. This pairing — instruction followed by personal application — is what distinguishes our approach from lecture-based financial education.
The writing exercises are private. They are not reviewed by the group. They are not assessed. Their purpose is to ensure that the participant moves from understanding a concept in the abstract to working with it in relation to their own actual numbers and circumstances. By programme end, those exercises form the basis of the participant's personal financial document.
Assigned reading before each session
Short, focused reading — typically 10–20 pages — sets the conceptual ground before the session begins, so session time is used for questions and application.
Personal written exercises between sessions
Each exercise asks the participant to apply the session's content to their own circumstances. These exercises accumulate into the personal financial document.
Between-session facilitator access
Participants may email the facilitator with questions arising between sessions. Responses within two working days.
The Calm Starting Point
A three-week introductory programme for those who have not previously taken a structured look at their household finances. Sessions cover present cash flow, current holdings — savings accounts, EPF balance, any investments held — recurring commitments, and standing intentions. A short writing exercise between each pair of sessions asks the participant to map their own situation against the concepts introduced.
The programme is deliberately unhurried. Three weeks is not long, but the writing exercises mean that the content does not disappear after the last session — it has already been applied. Conducted in small group format with one facilitator. Two evening sessions per week.
Key elements of this programme:
- Household cash flow — income, regular outgoings, variable spending
- Current holdings — EPF, savings, any existing investments
- Recurring commitments — loans, insurance premiums, standing orders
- Standing intentions — what you are currently trying to do with your money
- Personal financial document produced by programme end
Programme flow:
Sessions 1–2: Cash flow mapping — tracking what comes in and what goes out each month
Sessions 3–4: Holdings inventory — understanding what you currently hold and what each item is
Sessions 5–6: Commitments and intentions — aligning what you spend with what you mean to do
Best suited for:
Those who have not previously mapped their household finances in any structured way, or those returning to a careful look after a long gap.
Considered Investing After Forty
An eight-week investment foundations course oriented toward those investing carefully for the first time at this stage of life. The programme is not designed for those who have been actively investing for years — it is for those who have saved diligently but have not yet engaged seriously with how their money is positioned.
Topics include asset class fundamentals, the distinction between ringgit and foreign-currency holdings, the function of EPF in a long horizon, locally available unit trusts and ETFs including how to read fund cost disclosures honestly. Class size is capped at fifteen. Short reading and weekly reflection exercise.
Topics covered across eight weeks:
- Asset classes: cash, bonds, equities, property — what each is and how each behaves
- EPF as a long-horizon instrument — contribution strategy and Account 1/Account 2 structure
- SC-regulated unit trusts — how to read a fund fact sheet and cost disclosure
- BURSA-listed ETFs — structure, costs, and how to access them
- Ringgit and foreign-currency holdings — when diversification is appropriate
- Portfolio construction — a personal investment approach document by programme end
Best suited for:
Those who have stable savings and an EPF balance but have not yet engaged seriously with how to position their investable assets over a ten to twenty year horizon.
Considered Pre-Retirement Engagement
A five-month mentor-led programme for those approximately five to ten years from retirement. Unlike the group programmes, this is a single-track private engagement: one participant, one mentor, working through the full financial picture at a deliberate pace.
The programme examines EPF withdrawal strategy, supplementary savings vehicles (PRS, ASB, private savings), insurance coverage review, healthcare cost provisioning for a long retirement, and the considered sequence of retirement withdrawals across a horizon that may extend two to three decades. A midway review assesses progress and adjusts the remaining sessions to the participant's priorities. A written closing summary is provided at programme end.
Programme structure across five months:
Month 1: Full financial picture review — holdings, commitments, intentions, current EPF projection
Month 2: EPF strategy — contribution decisions, Account 1/Account 2, withdrawal sequence options
Month 3: Supplementary savings and insurance — PRS, existing policies, healthcare provisions
Midway review — progress assessment, written summary of decisions made, adjustment of remaining sessions
Months 4–5: Retirement withdrawal modelling and written closing summary
Best suited for:
Those who are five to ten years from their intended retirement date and want to approach that transition with a clear, personally documented financial picture — not a generic plan, but one that reflects their own circumstances.
How to Choose
Which programme is right for where you are now?
The three programmes are independent — none requires completion of another. The question is simply which starting point matches your current situation.
| Calm Starting Point | Considered Investing | Pre-Retirement | |
|---|---|---|---|
| Duration | 3 weeks | 8 weeks | 5 months |
| Format | Small group | Small group (max 15) | Private, mentor-led |
| EPF coverage | Introduction | In depth | Full strategy |
| Investment instruments | Full coverage | Contextual | |
| Retirement withdrawal planning | Core focus | ||
| Programme fee | RM 530 | RM 1,790 | RM 2,610 |
Shared Standards
What holds across all three programmes.
Participant privacy
No personal financial figures are shared in group sessions. Written exercises remain private to the participant. Personal data is handled under Malaysia's PDPA 2010.
No product referrals
Facilitators hold no commission or referral relationships with any financial product provider. Instruction is independent in all three programmes.
Annual curriculum review
All materials are reviewed annually against current EPF regulations, SC guidelines, and BNM policy. Mid-year updates are applied when significant regulatory changes occur.
Qualified facilitators
CFP (FPAM), CMSRL (SC Malaysia), or formal adult education credentials held by all facilitators, with annual continuing professional development.
Between-session support
Participants in all programmes may email their facilitator with questions arising between sessions. Two working day response commitment.
Personal document produced
Every participant leaves every programme with a written document that reflects their own financial situation — the accumulated product of the writing exercises completed during the course.
Programme Fees
Transparent, all-inclusive pricing.
Each fee covers all sessions, all written materials, and between-session facilitator access. No supplementary charges.
Programme 01
The Calm Starting Point
RM 530
per participant · full programme
- 6 sessions over 3 weeks
- Written exercises and materials included
- Facilitator email access
- Personal financial document
Programme 02 · Most detailed
Considered Investing After Forty
RM 1,790
per participant · full programme
- 8 weeks, class capped at 15
- Full asset class and EPF coverage
- Unit trust and ETF fund reading
- Investment approach document produced
Programme 03
Considered Pre-Retirement Engagement
RM 2,610
per participant · full programme
- 5 months, private mentor-led
- Monthly private sessions
- Formal midway review included
- Written closing summary provided
Not sure which programme fits your situation?
Write to us with a brief description of where you are now and what you are hoping to understand better. We will suggest which programme to start with.
Send an Enquiry