OUR PROGRAMMES
Three Paths, Tailored to Where You Are
Each Saujana Fund programme is designed to address a specific set of financial questions that arise for Malaysians in their 40s and beyond. You don't need to take all three — start with what's most relevant to you right now.
← Back to HomeStructured Learning
Each session builds on the previous one. There's a clear syllabus, a defined sequence, and a purposeful arc from first session to last.
Conversation-Based
Sessions are two-way discussions, not lectures. Your questions, situation, and priorities shape how the curriculum is applied.
Tangible Deliverables
Every programme ends with documents you can use — planning templates, worksheets, or a full retirement framework — designed for independent use after sessions conclude.
PROGRAMME 01 · 2 SESSIONS
Freelancer Financial Foundations
Designed for self-employed and freelance individuals in their 40s and above who are navigating the financial complexity of irregular income. The Malaysian freelancer landscape has grown considerably — but guidance tailored to this group remains scarce. This two-session engagement fills that gap.
Session One — Income & Tax Clarity
Income smoothing strategies for variable earnings. Tax estimation and LHDN filing for sole proprietors. Understanding your effective tax position as a self-employed individual.
Session Two — Protection & EPF
Voluntary EPF contributions — what they mean and how to approach them. Insurance considerations specific to the self-employed. Building financial stability without a fixed employer.
WHAT'S INCLUDED
- Freelancer financial planning template (take-home document)
- Tax estimation worksheet for sole proprietors
- Post-session follow-up access by email
PROGRAMME FEE
RM 710
PROGRAMME 02 · 3 SESSIONS
Structured Deposit Education Course
Structured deposits and capital-protected investment products are widely available through Malaysian banks — but the terminology and conditions attached to them are often difficult to interpret. This three-session course explains how these products actually function, using real Malaysian product examples for educational illustration (not endorsement).
How Structured Deposits Work
What makes a product "structured". Capital protection — how it works and what it means in practice. Understanding the underlying asset exposure.
Reading the Fine Print
Maturity conditions and what they mean for your return. Early withdrawal penalties and how to evaluate them. Comparing structured products to plain fixed deposits.
Suitability and Decision-Making
Personal suitability assessment. Applying the course framework to evaluate products you may already be considering. Q&A on real product examples.
WHAT'S INCLUDED
- Product comparison worksheet (adaptable to any bank offering)
- Suitability assessment framework document
- Post-session follow-up access by email
PROGRAMME FEE
RM 1,350
PROGRAMME 03 · 7 SESSIONS + 1-YEAR REVIEWS
Resilient Retirement Programme
Retirement planning in Malaysia involves a set of specific uncertainties — EPF adequacy, healthcare cost inflation, ringgit purchasing power, and the question of how long your money actually needs to last. This seven-session programme works through all of these using Malaysian economic history and current conditions as reference points.
Scenario-based planning — preparing for more than one financial future
Multiple income stream design for retirement
Healthcare cost buffering — what's realistic in Malaysia
Emergency reserve sizing for retirees
Inflation protection strategies in the Malaysian context
Adaptable spending frameworks that flex with changing conditions
Final review, personalised retirement plan document, and forward planning
WHAT'S INCLUDED
- Personalised resilient retirement plan document
- Quarterly review sessions for one full year (4 sessions)
- Spouses and family members welcome to participate
- Ongoing email follow-up access with your educator
PROGRAMME FEE
RM 3,400
Inclusive of all sessions and materials
WHICH ONE IS FOR YOU?
Programme Comparison
| Feature | Freelancer Foundations |
Structured Deposit Course |
Resilient Retirement |
|---|---|---|---|
| Number of sessions | 2 | 3 | 7 + quarterly reviews |
| Take-home planning document | |||
| Best for self-employed professionals | |||
| Best for cautious investors | |||
| Retirement scenario planning | |||
| Quarterly follow-up reviews | |||
| Programme fee (RM) | 710 | 1,350 | 3,400 |
BEST FOR
Freelancer Foundations
Self-employed professionals dealing with variable income and unclear tax obligations
BEST FOR
Structured Deposit Course
Cautious investors who want to understand capital-protected products before committing
BEST FOR
Resilient Retirement Programme
Anyone approaching retirement who wants a robust plan built around realistic Malaysian conditions
SHARED ACROSS ALL PROGRAMMES
Our Professional Standards
Privacy & Confidentiality
PDPA-compliant. All personal financial information shared is confidential. Our educators sign formal confidentiality agreements.
Annually Updated Content
Curriculum is reviewed every year to reflect current EPF policies, LHDN requirements, and available financial products in Malaysia.
Zero Product Sales
No financial products are sold in or after our sessions. Our income comes entirely from programme fees — not from commissions.
Malaysian-Grounded Content
All reference frameworks use Malaysian regulations, institutions, and economic conditions. No need to translate from foreign contexts.
Flexible Scheduling
Sessions can be rescheduled with 48 hours' notice. In-person or online delivery — whichever works better for you.
Post-Programme Access
All participants retain email access to their educator for follow-up questions after the programme concludes.
Not Sure Which Programme to Start With?
Send us a message describing your situation and we'll suggest which programme, if any, would be most relevant. A conversation costs nothing — and it often helps to simply think things through with someone who's heard many of the same questions before.
Start a Conversation