What people say after attending a programme.

"I had been managing an EPF account and a few unit trusts for nearly twenty years without really understanding how they fitted together. The Foundation programme made me sit down and actually draw the picture. It was an uncomfortable few sessions at times — some of what I found in my own balance sheet surprised me — but I left with a much clearer sense of where things stand."

Household Finance Foundation · April 2025

"The Capital Allocation course was well-structured. Ahmad is not a salesperson — he talked about trade-offs honestly, including situations where there is no clearly right answer. The session on liquidity was particularly useful for me. My only note is that four Saturdays goes quickly; I would have benefited from a fifth session to consolidate what was covered."

Capital Allocation in Late Career · March 2025

"I was approaching retirement with a reasonable understanding of my pension but very little sense of what to do with other savings. The Foundation course gave me a framework to think through it — and the fact that nobody was trying to sell me anything made the conversation much more useful. I felt I could raise my actual situation without it being turned into a sales pitch."

Household Finance Foundation · March 2025

"The Reading Workshop with Tan Keng Hwee was the kind of Saturday I have rarely had. The text he chose — a careful, somewhat demanding book on personal finance — was not easy reading, but his commentary made it accessible without simplifying it. I found the group discussion genuinely useful; the other participants had thought about the material and asked good questions."

Half-Day Reading Workshop · April 2025

"I came in with a reasonable picture of the business finances but very little separation between those and my household accounts. The Foundation programme helped me understand why that matters and how to think about them as distinct. Norzahra was patient with questions that were probably quite basic for some of the other participants."

Household Finance Foundation · February 2025

"I have taken financial courses before that felt like extended commercials for a product or service. This was different. The Capital Allocation course was about the choices you face when you have already accumulated something — which is exactly the right question for where I am now. The Malaysian context throughout was what made it worth attending rather than reading a book on my own."

Capital Allocation in Late Career · April 2025