our programmes

Three programmes, one consistent approach

Each programme addresses a different layer of financial understanding — from household budgeting to long-horizon investing to whole-family planning.

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how we work

A method built for sustained understanding

Materials in advance

Reading or worksheets distributed before each session so participants arrive prepared, not encountering ideas cold.

Recap before proceeding

Each session opens with a review of the previous one — clarifying questions, checking what has been applied, and noting what still feels uncertain.

Written summaries

Participants leave each session with a written record of what was covered and any decisions or next steps identified.

Defined endpoint

Every programme has a clear closing session. Participants leave with all materials and do not need to return unless they choose to.

individual & couples · 3 sessions

Household Money Map Sessions

This three-session programme is designed for working adults — individuals or couples — who want a clear, honest view of their monthly finances. The conversations cover where money comes in, where it goes regularly, which expenses are irregular but predictable (sinking funds), and what a simple, maintainable record-keeping system looks like in practice.

The pace is deliberate — each session builds on the one before, and participants are encouraged to apply what they have discussed before the next meeting. The final session looks forward: identifying priorities, setting aside amounts for known future costs, and deciding what to track going ahead.

what's included

Three one-to-one sessions (in-person or video call)
Printed workbook for tracking and reference
Monthly tracker template (print and digital)
Four-week follow-up check-in session

programme fee

RM 780

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how this programme runs

Income and regular expenses

The first session maps take-home income, regular fixed costs (rent, utilities, loan repayments, EPF contributions), and identifies where the remaining amount currently goes.

Irregular costs and sinking funds

The second session addresses predictable-but-irregular expenses: annual insurance renewals, road tax, car servicing, school fees. We look at how to set aside amounts monthly so these do not arrive as financial shocks.

Record-keeping and priorities

The third session settles on a record-keeping method the participant can actually maintain — not a complex spreadsheet requiring daily updates, but a system that reflects how they actually manage money.

✓

Four-week check-in

A shorter follow-up session four weeks after the final meeting to see what has been applied, what hasn't worked, and what adjustments make sense.

best for

Working adults in their twenties and thirties — salaried or self-employed — who have a sense that their money is being managed adequately but want a clearer, more intentional picture. Also suited to couples who want to align on household finances together.

how this programme runs

Saving versus investing

Week one establishes the distinction clearly — what each approach is for, how they behave differently over time, and why the choice between them depends on purpose and time horizon rather than one being better than the other.

Unit trusts and ETFs

Week two covers how pooled investment vehicles work — what you own when you hold units, how NAV is calculated, and how Malaysian unit trusts and ETFs differ in structure and access.

Fees, expense ratios, and returns

Week three works through a fund fact sheet together — identifying what the fee disclosures mean, how they compound over time, and what to compare when evaluating two similar funds.

Risk and time horizon

Week four explores how risk tolerance and investment horizon interact — and why the same level of risk in a ten-year holding looks different from the same risk over two years.

Reading a fund fact sheet

Week five uses an actual Malaysian fund fact sheet as a working document — participants practise reading and interpreting the sections they previously found opaque.

Building a starting framework

The final week helps each participant sketch a simple, personal framework for how they might approach investing — not a product recommendation, but a set of principles grounded in the six weeks of discussion.

small group · 8 max · 6 weeks

Beginner's Investing Reading Group

A six-week programme for people with little or no prior investment background. Weekly meetings work through the foundations — how pooled funds function, what fees mean in practice, how risk and time horizon relate — using Malaysian market instruments throughout.

The group format is intentional: hearing other participants' questions often surfaces things you did not know you were unsure about. Groups are capped at eight to preserve the quality of discussion.

what's included

Six weekly group sessions at the Bangsar studio
Pre-session reading materials each week
Worked examples using Malaysian instruments
Personal framework worksheet at close

programme fee

RM 1,680

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best for

Professionals in their twenties and thirties who have been contributing to EPF and perhaps a unit trust but have not yet spent time understanding what they actually hold or why.

families · 4 months

Family Finance Planning Engagement

A four-month engagement for families working through the larger financial questions that arise once there are two incomes, children, and a horizon that stretches into the next decade. The engagement does not work to a generic template — it is structured around the family's specific situation, goals, and current position.

It ends with a one-page written summary of the decisions made and the plan agreed — something the household can return to when circumstances change and decisions need revisiting.

what's included

Full review meeting plus three monthly working sessions
Written summary after each session
Closing meeting with one-page household plan
Fee covers both household members

programme fee

RM 4,200

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topics covered across the engagement

Children's education savings

Understanding what education is likely to cost at different institutions and time horizons, and how much to set aside monthly to reach those figures without strain.

EPF and PRS coordination

Looking at EPF account balances, voluntary contribution options, and PRS alongside each other — and how two earners' retirement positions relate to each other.

Home purchase preparation

Reviewing the numbers behind a potential property purchase — how much down payment is required, what the monthly obligation means against current income, and how this sits alongside other goals.

Insurance coverage review

Mapping what coverage the family currently holds against what the household genuinely needs — identifying gaps and overlaps without recommending specific products.

One-page household plan

The closing session consolidates everything into a readable summary — not a financial plan in the regulated sense, but a written record of the household's intentions and the decisions made to support them.

best for

Dual-income families with school-age children who want a calm, thorough review of their financial position rather than a single one-off consultation that leaves before the questions are properly answered.

decision guide

Which programme suits where you are

Feature	Money Map	Reading Group	Family Engagement
Format	one-to-one	small group (max 8)	household (2 people)
Duration	3 sessions + follow-up	6 weeks	4 months
Primary focus	household cash flow	investing foundations	long-term family plan
Printed workbook
Written session summaries		reading notes
Follow-up after end
Fee	RM 780	RM 1,680	RM 4,200

Not sure which to choose? Send us a short note and we will suggest the most suitable starting point.

programme standards

What applies across all programmes

Participant confidentiality

Financial information shared during sessions is used only for programme delivery and held in confidence. It is not shared with any third party.

Education scope, not advice

All programmes operate as education. Veldora does not hold a Capital Markets Services licence and does not recommend specific investment products or licensed financial products.

Content updated regularly

Programme materials are reviewed against current Malaysian market, EPF, and regulatory conditions at minimum twice yearly.

Transparent all-in fees

The fee quoted covers all sessions, materials, workbooks, and summaries. There are no add-ons, no subscription renewals, and no charges after the programme ends.

Rescheduling handled directly

Life interrupts schedules. Rescheduling a session is handled personally with the team — not through an automated system.

Post-programme feedback

Every participant is invited to provide written feedback after completing a programme. This is used to maintain and improve content quality.

pricing

Programme fees at a glance

All fees are in Malaysian Ringgit and include all sessions, materials, and written outputs.

household money map

RM 780

per programme · one-to-one

3 sessions + follow-up
Printed workbook
Monthly tracker template
In-person or video call

enquire

Enquire about a programme

Write to us with where you are and what you are hoping to work through. We will confirm availability, answer any questions, and help you decide which programme is the right fit.

send an enquiry