What Our Participants Say About Their Experience

"I attended the Post-Retrenchment session two weeks after losing my job at 53. I was not sure what to expect — I think I needed someone to slow me down and help me think clearly. The session did exactly that. By the end of session two, I had a plan I could actually follow. It made a genuinely difficult time feel more navigable."

"I had been investing in unit trusts for fifteen years and still did not really understand how to read the fact sheet properly. The Mutual Fund course changed that. Norhaiza's approach was patient and clear. I came away with a framework I have actually used three times since — comparing funds on my own, without needing to call a banker."

"My wife and I did the Dignified Ageing programme together. We had been putting off these conversations for years — about long-term care, about who looks after what if one of us becomes ill. The programme gave us a structure to have those conversations. We finished with an actual plan. That feels like a gift."

"After 27 years in the same company, I was retrenched in late 2025. I found Kukuh Capital through a friend's recommendation. What I valued most was that they were not trying to sell me anything — no insurance, no investments. Just honest, calm guidance. I left feeling like an adult who understood his own situation."

"I enrolled in the Mutual Fund course because I was tired of not understanding what my bank was recommending. The pacing was good — I never felt rushed or talked down to. My one note is that I wished there was a fifth session to cover ETFs and REITs as well. But for unit trusts specifically, it was very thorough."

"My mother passed away without a will and we spent almost two years untangling her estate. When I turned 58, I decided to make sure my own children would not go through the same experience. The Dignified Ageing programme covered exactly what I needed — especially the sections on advanced directives and estate planning basics in Malaysia."