Our Programs

Three programs, each built for a specific stage of financial life

Carefully structured, taught by practitioners, and grounded in the Malaysian context — from first salary to estate planning.

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Our Methodology

How every Numisma program is structured

Sequential structure

Each session builds directly on the previous one. Participants are never expected to grasp everything at once — the program is sequenced to carry them through progressively.

Applied, document-based learning

Where possible, programs use real documents — Bursa Malaysia filings, EPF statements, Malaysian will templates — so skills developed can be applied directly.

Discussion-centred delivery

Small cohorts allow questions to be genuine rather than polished. Facilitators allocate time in every session for questions that arise naturally from the material.

Program 01

Financial Literacy for Young Professionals

Designed for Malaysians in their twenties and early thirties navigating the financial questions that arise during career transitions, first salaries, and the early stages of independence.

Managing PTPTN loan repayments without disrupting cash flow

Building an emergency fund on a starting salary

Understanding employer contributions and EPF account structure

Beginning to think about long-term savings before habits harden

Access to private discussion group with cohort peers

Program Steps

Income, outgoings, and what's left — mapping your current financial position

Debt — understanding PTPTN, hire purchase, and credit facilities

EPF and employer benefits — what you are entitled to and how to read it

Emergency funds and savings habits — the mechanics of starting

Insurance, takaful, and what coverage a young professional actually needs

Review, personal checklist completion, and open questions

Program Fee

RM 520

Enquire About This Program

Financial Literacy for Young Professionals

At a Glance

Duration
Six sessions, fortnightly

Session length
90 minutes each

Format
In-person, George Town

Materials
Checklist + discussion group

At a Glance

Duration
Five sessions, weekly

Session length
Two hours each

Format
In-person, George Town

Materials
Annotated reports + ratio card

Program 02

Reading Financial Statements

Designed for individuals considering equity investments or those managing small businesses — this program develops the ability to read and interpret balance sheets, income statements, and cash flow reports with confidence.

Reading balance sheets — assets, liabilities, and what they tell you

Interpreting income statements and profitability indicators

Cash flow statements — the numbers that actually matter for solvency

Key financial ratios and how to calculate them

Identifying red flags using real Bursa Malaysia company reports

Program Steps

The balance sheet — structure, terminology, and what it represents

The income statement — revenue, costs, and profitability analysis

Cash flow statement — operating, investing, and financing activities

Ratio analysis — key metrics for assessing company health

Applying analysis to real Bursa Malaysia reports — practice and review

Program Fee

RM 1,050

Enquire About This Program

Program 03

Wealth Preservation & Estate Basics

A thoughtful program for individuals at mid-career or beyond who wish to organise and protect their accumulated assets — including the conversations that are often delayed until a crisis makes them urgent.

Will preparation under Malaysian civil law

Understanding amanah (trusts) and when they are appropriate

EPF and insurance nomination procedures — and why they matter

Introduction to hibah as a planning tool

Private one-on-one consultation for each participant

Program Steps

Day 1 — Asset inventory: what you have, how it is held, and how it transfers

Day 2 — Wills, nominations, trusts, and hibah — tools and their applications

Day 3 — Completing your estate planning worksheet and one-on-one consultation

Program Fee

RM 2,200

Enquire About This Program

At a Glance

Duration
Three full-day Saturdays

Consultation
1-on-1 slot included

Format
In-person, George Town

Materials
Worksheet + document checklist

Decision Guide

Which program is right for you?

Use this comparison to match a program to your current stage and interests.

Feature	Program 01 RM 520	Program 02 RM 1,050	Program 03 RM 2,200
Best for	Ages 22–35, early career	Investors, business owners	Mid-career, pre-retirement
Prior knowledge needed	None	Basic investing concepts	None
Covers PTPTN / EPF
Covers financial statement reading
Covers wills and estate planning
One-on-one consultation included
Take-home reference materials

Shared Across All Programs

Professional standards we apply to every program

Participant confidentiality

Shared financial details remain within the session. No case studies identify individuals. Data is handled in accordance with Malaysia's PDPA 2010.

Annual content review

Curriculum reviewed at least once per year to incorporate regulatory updates, feedback from participants, and changes in the local financial landscape.

Regulatory alignment

All content reflects current Malaysian law — covering EPF, SC, civil estate law, and applicable Islamic planning frameworks.

Sensitivity in delivery

Debt, inheritance, and wealth discussions can carry personal weight. Facilitators pace sessions to allow reflection without pressure or urgency.

No upselling or add-ons

Program materials are included in the fee. Participants are never directed to additional paid services or products within or after the program.

Post-program feedback

Every cohort completes a structured feedback form. The results are used to refine content and delivery for the next group.

Which program would suit you?

We are glad to answer questions about any program before you decide on anything. Send us a message and we will respond within one working day.

Send an Enquiry