Programs
Three programs.
One clear direction.
Each Cashwise program addresses a specific aspect of financial understanding — chosen because they represent the areas where Malaysians most commonly lack confidence or clear information.
Back to HomeHow every Cashwise program is designed
Financial education works when it matches people where they actually are — not where a textbook assumes they should be. Each Cashwise program begins with that premise and builds from it.
Content is sequenced deliberately: fundamental ideas come first, with later sessions building on earlier ones rather than treating each class as standalone. This layered approach means participants develop a coherent picture rather than a collection of disconnected facts.
We use real Malaysian examples throughout — local financial products, institutions, regulations, and cultural norms. This isn't incidental to the design; it's central to it. Abstract financial principles become genuinely useful when they're connected to the products and decisions participants actually encounter.
Foundation first
Each program opens with foundational context before introducing specific tools or decisions.
Progressive depth
Sessions build on each other across weeks, giving time for consolidation and questions.
Practical application
Every session includes exercises or tools participants can apply directly to their own situation.
Retained resources
Materials are designed for ongoing use — not just classroom reference but lasting personal guides.
First Steps in Finance
RM 380
An entry-level program welcoming individuals who feel uncertain or overwhelmed about financial topics. The curriculum begins with the most fundamental concepts — what money does, how banks work, and why financial planning matters — and builds confidence gradually. No prior knowledge is assumed. Sessions use storytelling, visual aids, and gentle group exercises to create a comfortable learning atmosphere.
Key Benefits
- Solid grounding in money fundamentals
- Understanding of how banks and credit work
- Introduction to personal budgeting
- Confidence to ask financial questions
- Foundation for further financial learning
Program Details
- 6 sessions, 3 weeks
- 70 minutes per session
- Illustrated guidebook
- Progress tracker
- Small group format
Session Outline
Investment Risk Understanding
RM 850
This program focuses exclusively on helping participants understand what risk means in a financial context and how to think about it thoughtfully. Topics include different types of risk (market, credit, liquidity, inflation), how risk is measured, and how personal risk tolerance can be assessed. Participants complete a structured risk profiling exercise and learn to match their comfort levels with appropriate investment categories.
Key Benefits
- Clear understanding of investment risk types
- Personal risk profile assessment
- Ability to evaluate financial products thoughtfully
- Framework for discussing risk with advisers
- Asset-class awareness matched to tolerance
Program Details
- 4 sessions, 4 weeks
- 2 hours per session
- Personal risk profile report
- Asset-class comparison guide
- Reflection worksheet
Session Outline
Financial Planning for Parents
RM 920
A program addressing the specific financial considerations that come with raising children in Malaysia. Topics include education savings strategies (including SSPN and SSPN-i), childcare budgeting, children's insurance and takaful considerations, and teaching children about money. Participants also explore the financial implications of different schooling options and extracurricular commitments. The tone is empathetic and practical.
Key Benefits
- Clarity on SSPN and SSPN-i education savings
- Practical family budgeting framework
- Understanding children's takaful options
- Strategies for teaching children about money
- Schooling cost awareness and planning
Program Details
- 5 sessions, 3 weeks
- 90 minutes per session
- Education savings calculator
- Family budgeting template
- Children's money activity booklet
Session Outline
Choosing the right program
Each program is designed around a specific situation. This table helps you see which fits your current needs best.
| You're looking for... | First Steps | Risk Understanding | Parents |
|---|---|---|---|
| Understanding money basics from scratch | ✓ | — | — |
| Building budgeting habits and skills | ✓ | — | ✓ |
| Understanding investment types and risk | — | ✓ | — |
| Personal risk profile assessment | — | ✓ | — |
| Planning for children's education costs | — | — | ✓ |
| Understanding SSPN, takaful for children | — | — | ✓ |
| Teaching children about money values | — | — | ✓ |
| Price | RM 380 | RM 850 | RM 920 |
Not sure which applies to you? Drop us a message — we're happy to advise honestly.
Shared across every program
Education Only
All programs are educational. No financial advice is given, and no specific products are recommended.
Data Privacy
All participant information is handled in accordance with PDPA 2010. Nothing shared in sessions leaves Cashwise.
Qualified Facilitators
All session leaders hold recognised credentials in finance and adult education, with active professional experience.
Annual Review
Content is reviewed yearly to ensure accuracy and relevance to the current Malaysian financial landscape.
Small Group Cap
Group size is deliberately limited to preserve the quality of interaction and allow facilitators to address individual questions.
Post-Program Access
Email access to your facilitator for questions that arise after the program concludes — no time limit.
Have a question before enrolling?
We understand that choosing a program is a considered decision. We're glad to explain anything in more detail — just reach out in a way that suits you.