PARTICIPANT EXPERIENCES
Heard From Those Who've Been Through It
The best way to understand what a Saujana Fund programme is like is to hear from the people who have participated. These are genuine accounts from Malaysians who came to us with questions and left with clarity.
← Back to Home340+
Programme participants
4.8 ★
Average satisfaction rating
96%
Would recommend to a family member
8+
Years operating in Malaysia
WHAT PARTICIPANTS SAY
Participant Reviews
Ahmad Faizul Rahman
Petaling Jaya · Resilient Retirement
I came in thinking I had a fairly good handle on retirement planning. The first session alone showed me three assumptions I'd been making that didn't hold up once I looked at them seriously. The scenario-based approach was particularly eye-opening — I hadn't considered what our expenses would look like if my wife needed long-term care.
March 2026
Siti Norzahira Hassan
Subang Jaya · Freelancer Foundations
I've been freelancing for six years and I'd been guessing at my tax obligations every year. After the first session, I finally understood my actual position with LHDN. The voluntary EPF conversation was also something I hadn't properly thought through. I left with a real plan rather than vague intentions.
March 2026
Lim Mei Ling
Klang · Structured Deposit Course
My bank relationship manager had been recommending a structured product for months. I didn't want to reject it outright without understanding it. After the course, I had the vocabulary to actually read the term sheet properly. I decided the product wasn't right for my timeline — but more importantly, I understood why.
February 2026
Rajendran s/o Muthu
Shah Alam · Resilient Retirement
My wife and I attended together. That turned out to be one of the best decisions — there were things we assumed we agreed on about retirement that turned out to be completely different in practice. The educator handled those conversations with a lot of patience. The quarterly reviews have been useful too, especially when we needed to adjust our thinking after my daughter's wedding.
March 2026
Wong Chee Keong
Ampang · Structured Deposit Course
I've always been cautious with money — perhaps too cautious, keeping too much in fixed deposits because I didn't understand anything else. The structured deposit course didn't push me to take on more risk. It helped me understand the range of options clearly enough to make my own decision. That's what I wanted and that's exactly what I got.
February 2026
Noor Hidayah Abdul Aziz
Kuala Lumpur · Freelancer Foundations
The session was in English but Faridah switched to Bahasa Malaysia without any awkwardness whenever I needed her to. That made a real difference. I also appreciated that the session was focused on my actual situation — not a generic lecture. The EPF contribution aspect was something I'd been putting off for years. I finally sorted it out the week after.
March 2026
PARTICIPANT JOURNEYS
Three Stories Worth Reading
CASE STUDY · FREELANCER FINANCIAL FOUNDATIONS
From Annual Tax Anxiety to a Working System
THE SITUATION
A 47-year-old graphic designer who had been freelancing for four years. Each tax season brought uncertainty about what she owed, leading to over-saving "just in case" and under-investing in her EPF. She had no structure around her irregular income.
WHAT HAPPENED IN SESSIONS
The two sessions worked through her actual invoicing pattern over the past two years. We calculated a realistic tax estimate, identified deductible expenses she hadn't claimed, and built a simple monthly savings proportion tied to her income volatility.
THE OUTCOME
She filed her next tax return with confidence, reclaimed RM 1,800 in overlooked deductions, and set up voluntary EPF contributions within three weeks. She described the experience as "finally feeling like an adult about money."
"I didn't realise how much mental space I'd been giving to this problem until it was sorted. Two sessions was all it took."
CASE STUDY · STRUCTURED DEPOSIT EDUCATION COURSE
Understanding Before Deciding
THE SITUATION
A 53-year-old with a substantial fixed deposit that matured. His bank presented several structured product options. He felt pressure to decide but didn't understand the products well enough to evaluate them fairly.
WHAT HAPPENED IN SESSIONS
The course walked through how capital protection actually functions, the types of underlying asset exposure common in Malaysian structured products, and a framework for evaluating maturity conditions against his own timeline needs.
THE OUTCOME
He chose a shorter-tenure product that better matched his retirement horizon. He felt the decision was his own rather than his bank's. He described the product comparison worksheet as "something that should come in every bank brochure."
"I went back to my bank and asked three questions I would never have known to ask before. The conversation was completely different."
CASE STUDY · RESILIENT RETIREMENT PROGRAMME
Planning for Two Futures at Once
THE SITUATION
A couple in their late 40s — one a salaried employee, one running a small business. Both were approaching retirement thinking but couldn't reconcile their different financial positions into a single coherent plan.
WHAT HAPPENED IN SESSIONS
Seven sessions worked through their combined and individual financial pictures. The programme's scenario planning helped them stress-test their assumptions against a range of conditions, including partial business income loss and higher-than-expected healthcare costs.
THE OUTCOME
They left with a shared retirement plan document, a household emergency reserve structure, and quarterly review sessions for the following year. The quarterly reviews proved valuable when the business income shifted — they were able to adjust without anxiety.
"Having an educator who knew our full picture meant that our quarterly reviews were actually useful — not generic advice but specific to what had changed for us."
CREDENTIALS
Professional Standing
Finance Education Excellence
Malaysia Adult Learning Awards 2024
Consumer Financial Literacy
BNM Financial Education Network Recognition
PDPA-Compliant Practices
Certified 2023 · Renewed 2025
Member, Malaysian Financial Planning Council
Active membership since 2019
Adult Education Certification
Institute of Adult Learning Malaysia
4.8 / 5.0 Average Rating
Based on post-programme participant surveys
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