lumina fiissca

Programs Designed for Your Life Stage

Three distinct learning paths, each addressing the specific financial questions that arise at different points in life.

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Our Learning Approach

All lumina fiissca programs follow a consistent methodology that balances structured content with flexible pacing. Each session builds understanding progressively, starting from foundational concepts and moving toward practical application.

We combine educator-led explanations with group discussion and individual reflection time. This approach allows participants to process information at their own pace while benefiting from shared insights and questions. Take-home materials support ongoing learning beyond the classroom.

Clear Concepts

Financial topics explained in straightforward language, avoiding unnecessary jargon while maintaining accuracy.

Interactive Learning

Sessions encourage questions and discussion, with real examples drawn from Malaysian financial contexts.

Practical Tools

Worksheets, templates, and guides you can apply immediately to your own financial planning and decisions.

Youth Financial Literacy

A thoughtfully designed service aimed at young Malaysians between the ages of 16 and 25 who are beginning to navigate their own financial decisions. Topics include understanding bank accounts and digital wallets, responsible use of debit and credit products, basics of PTPTN loan management, and building early saving habits.

3 sessions × 90 minutes Over 2 weeks
Youth Financial Literacy

What You'll Learn

Banking Basics

  • Understanding different account types
  • Digital wallet setup and security
  • Transaction fees and charges
  • Online banking safety practices

Credit Responsibility

  • Debit vs credit cards explained
  • Understanding interest and fees
  • Building good credit habits
  • Avoiding debt traps

PTPTN Management

  • How PTPTN loans work
  • Repayment options and strategies
  • Incentives for early repayment
  • Impact on future borrowing

Saving Foundations

  • Setting realistic savings goals
  • Automated saving techniques
  • Emergency fund basics
  • Part-time income budgeting
RM 1,300

Includes all materials and personal finance starter pack

Register Your Interest
Women and Finance Workshop

Women and Finance Workshop

A supportive, empowering service created to address the specific financial considerations that women in Malaysia often encounter. Topics include navigating career breaks and their financial impact, understanding EPF implications for part-time or informal work, building a personal safety net, and approaching investment with confidence.

4 sessions × 2 hours Over 3 weeks

Workshop Content

Career Transitions

  • Financial planning for career breaks
  • Re-entry budget considerations
  • Part-time work financial implications
  • Skill maintenance during breaks

EPF Considerations

  • Understanding EPF structure
  • Impact of reduced contributions
  • Voluntary contribution options
  • Long-term retirement implications

Building Safety Nets

  • Emergency fund calculation
  • Insurance needs assessment
  • Healthcare cost planning
  • Financial independence strategies

Investment Confidence

  • Investment basics demystified
  • Understanding risk levels
  • Unit trusts and ASB explained
  • Getting started with small amounts
RM 3,200

Includes resilience toolkit and Malaysian resource list

Register Your Interest

Pre-Retirement Financial Review

A calm, forward-looking service for individuals within five to fifteen years of their intended retirement who want to take a considered look at their preparedness. Topics cover EPF withdrawal strategies, healthcare cost projections, post-retirement income streams, lifestyle budgeting for reduced-income years, and estate documentation review.

6 weekly sessions × 2 hours Group + individual consultations
Pre-Retirement Financial Review

Program Components

EPF Withdrawal Planning

  • Age-55 withdrawal options
  • Lump sum vs periodic withdrawal
  • Tax implications of withdrawals
  • Optimizing withdrawal timing

Healthcare Projections

  • Estimating future healthcare costs
  • Insurance coverage review
  • Government healthcare options
  • Long-term care considerations

Income Stream Planning

  • Pension income assessment
  • Dividend and investment income
  • Part-time work possibilities
  • Creating predictable cash flow

Lifestyle Budgeting

  • Adjusting spending for reduced income
  • Housing considerations (aging in place)
  • Travel and leisure budgeting
  • Supporting adult children financially

Estate Documentation

  • Will preparation basics
  • EPF nomination review
  • Insurance beneficiaries update
  • Power of attorney considerations

Individual Consultations

  • Personal retirement readiness snapshot
  • Customized expense projection
  • Step-by-step preparation timeline
  • Private follow-up session included
RM 7,400

Includes personal readiness snapshot, projection model, and preparation timeline

Register Your Interest

Which Program is Right for You?

Each program addresses specific life circumstances. Use this comparison to identify which might best fit your current situation.

Feature Youth Women Pre-Retirement
Best for Ages 16-25 All life stages 5-15 years to retirement
Duration 2 weeks 3 weeks 6 weeks
Sessions 3 × 90 min 4 × 2 hours 6 × 2 hours
Individual consultation
Price RM 1,300 RM 3,200 RM 7,400
Payment plans

Shared Standards Across All Programs

Small Groups

Maximum 12 participants per session ensures personalized attention.

Updated Materials

Content reviewed quarterly to reflect current Malaysian regulations.

Email Support

Three months post-program support for implementation questions.

Privacy Protected

Strict confidentiality maintained for all participant information.

Ready to Begin Your Learning Journey?

Contact us to discuss which program might suit your needs, ask questions about content, or register for an upcoming session.

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