What Makes Padi Worth Your Time
Education without agenda. Learning built around your actual situation, not a product catalogue.
Back to HomeAt a Glance
Six things that shape every Padi session.
No Product Selling
We have no financial products to sell. Our income comes from course fees only, so our teaching has no hidden agenda.
Small Groups
Maximum twelve participants per cohort. Every person has time to ask and space to think.
Malaysian Content
Every topic — EPF, PRS, wasiat, hibah, KWSP — is drawn from the Malaysian financial system your life actually runs on.
Unhurried Pace
Sessions are structured with older learners in mind. You are never made to feel rushed through material.
Printed Materials
Every programme includes workbooks and guides you take home — so what you learn stays accessible long after the session ends.
Experienced Educators
Our team comes from banking and civil service backgrounds — people who spent careers working inside these systems, not selling around them.
Built from Real Experience Inside Malaysian Finance
Our lead educators spent their careers as a civil service welfare officer and a bank branch officer. They did not study financial education from a textbook — they spent decades navigating it professionally. That difference shows in how they explain things.
They know which EPF rules cause the most confusion. They know what a wasiat cannot do that people assume it can. They have seen the same misunderstandings arise again and again, and they have shaped our curriculum around addressing them plainly.
- 28+ years in civil service pension and welfare administration
- 20+ years in retail banking, branch operations
- Legal content reviewed by a practising estate documentation specialist
- Curriculum updated twice yearly to reflect EPF and PRS changes
- Over 600 participants since 2017
- Groups capped at twelve people per cohort
- Follow-up support included in Full-Season Programme
- Personal review session in the Retirement Plan track
- Questions welcomed during and between sessions
- Content delivered in English with Bahasa Malaysia support
Sessions That Respect Your Time and Your Experience
Adults in their 40s and beyond have full lives. They are not students with empty notebooks — they are people with jobs, families, and decades of practical experience. We design our sessions around that.
There is time to revisit a topic. There is space to ask without feeling self-conscious. And there is no rush to move on before the group is ready.
Clear Pricing With No Hidden Add-Ons
Our fees cover everything — the sessions, the workbooks, the printed guides, and any follow-up support included in that programme. There is no upsell waiting at the end of a session and no separate charge for materials.
Programmes range from RM 235 for the introductory class to RM 800 for the full six-session programme. Each is priced to be accessible to working adults and retirees in Malaysia.
- All materials included in the stated fee
- No subscription or renewal costs
- No referral arrangements with financial providers
- Group rates available for employers and associations
- Prices from RM 235 to RM 800
Padi vs Typical Financial Seminars
Most financial education events in Malaysia are run by product providers. Padi is not one of them.
| Feature | Typical Seminar | Padi |
|---|---|---|
| Product-free environment | ||
| Group capped at 12 participants | ||
| Printed workbooks included | ||
| Content covering wasiat & hibah | ||
| Follow-up support after sessions | ||
| Educators from banking/civil service, not sales | ||
| Content updated for current EPF rules | Sometimes |
What Sets Padi Apart
Features you will not find in most financial education available in Negeri Sembilan.
Estate Basics as Part of Retirement Education
Most retirement classes stop at savings. We include wasiat, hibah, and basic estate distribution — because retirement planning is incomplete without it.
Personal Review in the Retirement Plan Track
Participants in the four-session programme receive a one-to-one review session where they can ask questions specific to their own EPF and savings picture.
Employer and Association Group Arrangements
We work with HR teams and community organisations to deliver sessions for their members. Group enquiries are welcome and handled individually.
Content Reviewed Every Six Months
EPF rules, PRS contribution structures, and estate regulations change. We review all programme materials twice yearly so what you learn reflects the current picture.
Padi in Numbers
Eight years of steady work in Seremban.
8
Years Running
600+
Participants Taught
3
Structured Programmes
12
Max. Group Size
Registered with SSM, Negeri Sembilan
Negeri Sembilan SME Education Award 2023
4.8 / 5 average participant rating (2024)
See Which Programme Suits You
Have a look at our three courses, or get in touch and we will help you decide which one fits where you are right now.