Understanding Your Money,
One Season at a Time
Calm, clear financial education for Malaysians in their 40s and beyond — covering EPF, retirement savings, budgeting, and estate basics with no rush and no jargon.
Find a Class That Suits YouOur Learning Programmes
Three courses, each shaped around where you are right now — whether you are just beginning or ready to look at the full picture.
Planting Your Money Basics
A calm introductory class helping you lay steady ground in everyday finance — budgeting, saving habits, and reading your own KWSP and bank statements. Two relaxed sessions with a workbook to keep.
- Everyday budgeting methods
- Reading KWSP statements clearly
- Practical saving habits
- Workbook included
Tending Your Retirement Plan
A guided track to understand how EPF, PRS, and personal savings grow together over time. We focus on clear understanding so you can weigh options calmly — no product selling, no pressure. Four sessions with worksheets and a personal review.
- EPF & PRS explained plainly
- Retirement savings overview
- Personal review session
- Four sessions + worksheets
The Full-Season Retirement Programme
A thorough programme covering budgeting, estate basics (wasiat and hibah), healthcare planning, and patient investing concepts. For those who want to understand the whole picture, season by season. Six weekly sessions, a printed guide, and follow-up support.
- Estate basics: wasiat & hibah
- Healthcare financial planning
- Six weekly sessions
- Printed guide + follow-up support
Why Adults in Their 40s Choose Padi
Learning at a pace that respects your time and experience — without the noise.
Your Own Pace
Sessions are structured to be unhurried. You are never made to feel behind or pushed to decide anything on the day.
Plain Language
Financial terms are explained clearly in English, with Bahasa Malaysia used wherever it helps. No unnecessary jargon.
No Product Selling
We are an education provider, not a financial product distributor. You will not be approached to purchase any investment or insurance.
Mature Learning Environment
Our groups are small and made up of peers in a similar life stage. Questions are welcomed and discussions stay grounded and practical.
Workbooks You Keep
Every programme includes printed materials — worksheets, guides, and notes — so you can revisit what you have learned long after the sessions end.
Local and Relevant
All content is built around Malaysian financial structures — EPF, KWSP, PRS, wasiat, hibah — things that matter to your actual situation here.
Ready to Begin at Your Own Pace?
Have a look at our three programmes and reach out when you are ready. We are happy to answer questions without any pressure.
Common Questions
A few things people often ask before they sign up.
Who are these classes for?
Are the classes held in Seremban only?
Do I need to bring anything to the first session?
Will I be advised to buy any financial products?
How do I enrol or find out more?
What is the difference between the three programmes?
Find Us in Seremban
17, Jalan Dato Onn, 70000 Seremban, Negeri Sembilan
Get in Touch
We are happy to answer questions and help you find the right programme.
Contact Details
Phone
+60 5-693 2417Address
17, Jalan Dato Onn,
70000 Seremban,
Negeri Sembilan
Session Hours
Tuesday – Saturday: 9:00 am – 6:00 pm
Sunday: 9:00 am – 1:00 pm
Monday: Closed