BaktiFinance
Bakti Finance programmes
Programme Overview

Three ways to deepen
your financial understanding

From a foundational two-session introduction to a comprehensive seven-session executive plan — each programme is built around a distinct level of depth and need.

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Our Methodology

How all Bakti Finance programmes work

Each programme follows a consistent approach regardless of level — structured sessions, real Malaysian data, written materials, and no pressure toward any financial product.

1

Initial Conversation

A brief, informal talk to understand your situation and identify the most appropriate programme.

2

Structured Sessions

Sessions run 90 to 120 minutes each, with clear objectives per meeting and time for questions.

3

Written Materials

Each programme produces reference guides, worksheets, or a personalised analysis report.

4

Your Decisions

You leave with the understanding to make your own informed choices — at your own pace.

Programme One

Financial Literacy Foundations Session

2 Sessions RM 650

An introductory two-session engagement for individuals who feel their financial literacy would benefit from strengthening. Covers core concepts using everyday Malaysian examples and avoids technical jargon. Designed as a confidence-building starting point. Suitable for anyone regardless of educational background. Includes a financial vocabulary reference guide.

Topics covered:

  • Income, expenses, and personal cash flow
  • Assets, liabilities, and net worth calculation
  • Compound interest and how time affects savings
  • Inflation impact on retirement purchasing power
  • Financial vocabulary reference guide (written)

Best suited for:

Anyone who wants to build confidence with financial concepts before exploring retirement planning or investment analysis.

Financial Literacy Foundations

Process steps:

  1. 1Session one: core concepts with interactive examples
  2. 2Take-home worksheet and vocabulary guide
  3. 3Session two: applying concepts to your own numbers
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Retirement Savings Gap Analysis

Process steps:

  1. 1Session one: current EPF and savings position assessment
  2. 2Session two: retirement lifestyle cost projection
  3. 3Session three: gap analysis, scenarios, and written report
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Programme Two

Retirement Savings Gap Analysis

3 Sessions RM 1,520

A three-session analytical programme where participants calculate the gap between their current retirement savings trajectory and their desired retirement lifestyle. Uses Malaysian cost-of-living data and life expectancy tables. Participants leave with a clear picture of where they stand and what adjustments to consider. Includes a detailed written gap analysis report.

Topics covered:

  • Current EPF balance and projected value at retirement
  • Additional savings and supplementary income sources
  • Investment return scenario modelling
  • Malaysian cost-of-living benchmarks for Johor
  • Action options to consider for any identified gap
  • Detailed personal gap analysis report (written)

Best suited for:

Those in their mid-40s to late-50s who want to understand clearly whether their current retirement preparation is on track — and what options they have.

Programme Three

Executive Financial Planning Programme

7 Sessions RM 3,430

A seven-session programme designed for professionals and business owners in their 40s through 60s who have complex financial situations. Uses Malaysian corporate and personal tax frameworks throughout. Includes a comprehensive executive financial plan and bi-annual review sessions.

Topics covered:

  • Salary structuring and personal tax efficiency
  • Business-personal financial separation
  • Multi-property portfolio analysis
  • Keyman insurance evaluation
  • Succession planning for Malaysian business owners
  • International asset considerations
  • Comprehensive executive financial plan (written)
  • Bi-annual review sessions included

Best suited for:

Professionals, executives, and business owners whose financial situation spans multiple structures — and who want a comprehensive, personalised understanding of the whole picture.

Executive Financial Planning

Session arc overview:

  1. 1Financial landscape mapping
  2. 2Income and tax structuring analysis
  3. 3Business-personal boundary review
  4. 4Asset portfolio analysis
  5. 5Insurance and risk coverage review
  6. 6Succession and estate planning education
  7. 7Executive plan presentation and Q&A
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Which Is Right for You?

Programme comparison at a glance

Feature Foundations Gap Analysis Executive
Number of sessions 2 3 7 + reviews
Investment RM 650 RM 1,520 RM 3,430
Written materials included Vocabulary guide Gap analysis report Executive financial plan
Personal number analysis
Tax planning coverage
Bi-annual review sessions
Across All Programmes

Standards that apply to every programme

PDPA Compliance

All personal data is handled under Malaysia's Personal Data Protection Act 2010. Nothing you share in a session is passed to third parties.

Bi-Annual Content Review

All programme content is reviewed twice a year against current Malaysian tax, EPF, and regulatory updates.

Qualified Educators Only

Only educators with professional qualifications and at least ten years of practitioner experience lead sessions.

Not sure which programme fits your situation?

Let's talk it through. A brief, informal conversation is all it takes to point you toward the right starting point.

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