Understanding your finances
at 40, 50, and beyond.
Bakti Finance offers structured financial education programmes designed around the real questions Malaysians ask as they approach retirement age. No pressure. Just clarity.
Three paths to greater financial clarity
Each programme is built around a different depth of engagement. You choose the level of detail that feels right for where you are right now.
Financial Literacy Foundations
A welcoming entry point for anyone who wants to feel more confident about money matters. Covers income, expenses, assets, liabilities, and compound interest using everyday Malaysian examples. Includes a financial vocabulary reference guide.
- Net worth calculation walkthrough
- Inflation impact explained simply
- No jargon, no financial background needed
Retirement Savings Gap Analysis
A structured programme to calculate the gap between your current savings path and your desired retirement lifestyle. Uses Malaysian cost-of-living data, EPF projections, and life expectancy tables. You leave with a clear, personal picture of where you stand.
- EPF projection analysis
- Investment return scenarios
- Detailed gap analysis report included
Executive Financial Planning Programme
A comprehensive programme for professionals and business owners with complex financial situations. Covers salary structuring, multi-property analysis, advanced tax planning, keyman insurance, succession planning, and more under Malaysian frameworks.
- Business-personal financial separation
- Succession and estate planning coverage
- Bi-annual review sessions included
What makes these programmes different
Designed for Your Stage of Life
Every example, every case study, every discussion is framed around the financial realities of Malaysians between 40 and 65 — not generic textbook scenarios.
Grounded in Malaysian Realities
We work with Malaysian cost-of-living figures, EPF mechanics, local tax structures, and Johor-specific considerations — not imported frameworks that don't apply here.
Small Group, Conversational Format
Sessions are kept small so every participant can ask questions, share situations, and engage meaningfully — not sit through lecture-style presentations.
Tangible Take-Away Materials
Each programme includes written reference guides, personal worksheets, or analysis reports you can revisit and apply long after the sessions conclude.
Education, Not Sales
Bakti Finance does not sell financial products. Our sole purpose is to help you understand your situation more clearly so you can make your own well-considered choices.
Flexible Session Scheduling
Sessions are scheduled around your availability. Whether you prefer weekday mornings or Saturday slots, we work with your timetable, not against it.
Is this the right moment to take a closer look at your financial picture?
There is no obligation to commit to anything at the first conversation. Simply reach out, and we can talk through which programme — if any — might suit where you are right now.
Or write to us at [email protected]
Things people often want to know first
Who are these programmes intended for?
Bakti Finance programmes are designed specifically for Malaysians aged 40 and above — whether you are salaried, self-employed, or running your own business. We also welcome spouses or partners who want to build a shared understanding of their household finances.
Do I need a financial background to attend?
No financial background is needed for any of our programmes. The Foundations session is specifically designed for those who want to build confidence with core concepts. Even the Executive programme assumes only that you have a complex financial situation — not that you already understand how to manage it.
Are sessions held in person or online?
Our primary sessions are held at our office in Johor Bahru. We also accommodate online attendance for participants who prefer it or live outside the Johor area. Please let us know your preference when you enquire.
How long does each session typically last?
Each session runs approximately 90 to 120 minutes. Sessions are structured so they hold your attention without feeling rushed. There is always time for discussion and questions before we close.
Will Bakti Finance recommend financial products to me?
No. Bakti Finance provides financial education only. We do not sell, represent, or earn commission from any financial product, insurance policy, or investment vehicle. Our focus is entirely on helping you understand your own situation.
What happens after I submit an enquiry?
A member of our team will respond within one to two working days. We will invite you to a brief, informal conversation to understand where you are and which programme — if any — might be a useful starting point for you.
Is the pricing for individual or group attendance?
Pricing is per person. Couples attending together may be eligible for a reduced joint rate — please mention this when you enquire. Corporate or small-business group bookings are also available on request.
Our location in Johor Bahru
25 Jalan Skudai, 81300 Johor Bahru, Johor
Begin with a conversation
Share a little about where you are, and we will come back to you with a thoughtful, unhurried response. There is no commitment attached to an enquiry.
Contact Details
Phone
+60 7-283 6914Address
25 Jalan Skudai
81300 Johor Bahru, Johor
Malaysia
Working Hours
Monday – Friday: 9:00 am – 6:00 pm
Saturday: 9:00 am – 1:00 pm
Sunday & Public Holidays: Closed