Our Programmes

Three Programmes. Three Life Moments. One Education Provider.

Each Kukuh Capital programme is built around a specific financial challenge that Malaysians in their 40s, 50s, and 60s commonly face. You choose the programme that reflects where you are right now.

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Our Methodology

How Kukuh Capital Programmes Are Structured

Assessment

Before your first session, we gather a brief picture of your current financial situation and what you hope to take away. This shapes the session content toward what matters most to you.

Education

Structured sessions build your understanding progressively — from foundational concepts to applied analysis. You work through real Malaysian examples, instruments, and scenarios relevant to your situation.

Planning Deliverable

Every programme concludes with a personalised reference document — an action plan, evaluation framework, or dignified ageing plan — that you take away and can use independently going forward.

Programme 01

Post-Retrenchment Financial Triage Session

A supportive two-session engagement for individuals who have recently experienced job loss or retrenchment. The sessions are paced with care for the emotional dimension of the experience, while delivering substantive, practical financial clarity.

Cash flow assessment and immediate expense prioritisation

Understanding and evaluating your severance and retrenchment benefits under Malaysian employment law

EPF Account 1 and Account 2 withdrawal considerations

PERKESO benefits awareness and application guidance

Insurance continuation options — medical, life, and disability coverage

Financial Triage Action Plan delivered at the end of session two

Sessions

2 Sessions

Duration

~90 min each

Programme Fee

RM 650

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Programme 02

Mutual Fund Selection Education Course

A four-session course equipping participants with the analytical tools to independently evaluate and compare unit trust funds available in the Malaysian market — without relying on advice from distributors who have products to recommend.

Reading and interpreting Malaysian fund fact sheets with confidence

Understanding Morningstar and Lipper rating systems in the Malaysian context

Risk-adjusted return metrics — Sharpe ratio, standard deviation, drawdown

Total expense ratio impact — how fees compound over time

Building a personal fund selection framework matched to your risk profile

Fund Evaluation Workbook — a structured comparison tool you keep and use

Sessions

4 Sessions

Duration

~2 hrs each

Programme Fee

RM 1,650

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Programme 03

Dignified Ageing Financial Programme

A comprehensive seven-session programme addressing the financial dimensions of ageing with dignity in Malaysia — covering healthcare, long-term care, estate matters, and maintaining financial autonomy through life's later decades.

Healthcare funding — public vs private, insurance evaluation, and cost estimation

Long-term care insurance — understanding Malaysian products and selecting appropriately

Assisted living and home modification cost budgeting

Caregiver financial planning — protecting your finances while supporting others

Advanced directive preparation and Malaysian estate planning fundamentals

Dignified Ageing Plan delivered at programme conclusion, plus quarterly check-ins for one year

Sessions

7 Sessions

Follow-Up

Quarterly · 1 yr

Programme Fee

RM 3,380

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Programme Comparison

Choosing the Right Programme

Not sure which programme is the right fit? This table may help clarify which one aligns with where you are today.

	Post-Retrenchment Triage	Mutual Fund Course	Dignified Ageing
Best for	Recent job loss	Investment literacy	Ageing planning
Number of sessions	2	4	7 + quarterly
Programme fee	RM 650	RM 1,650	RM 3,380
Workbook included
Personal plan delivered
Follow-up consultations	—	—
Suitable without EPF knowledge

Our Standards

Across Every Programme We Deliver

Confidential by Design

All personal financial information shared during sessions is confidential. We apply a formal privacy framework and comply with Malaysia's PDPA 2010.

Content Reviewed Every 6 Months

Malaysian regulations, EPF rules, and insurance market conditions evolve. We review and update all programme content semi-annually.

Questions Welcomed Always

Each session includes dedicated time for questions. No question is too basic, too personal, or too difficult. We are here to answer, not to lecture.

Malaysia-Specific at Every Level

We do not use generic international frameworks and relabel them. Our content was built for the Malaysian financial environment from the ground up.

Certified Facilitators

All facilitators hold relevant professional qualifications and commit to ongoing continuing professional development. Their credentials are available on request.

No Referrals to Product Distributors

We do not have referral arrangements with any bank, fund house, or insurance company. If we cannot help, we will say so — we will not point you toward someone with a product to sell.

Ready to Take the First Step?

We invite you to reach out and let us know which programme interests you — or simply to ask a question before deciding. There is no obligation in reaching out.