How We Build Each Programme
Each programme at Ashcombe Pelleas is built the way an astronomer builds a catalogue — by deciding first which objects to include, then describing each one with precision, then organising them into a coherent sequence that allows the learner to navigate from the familiar to the unfamiliar.
We avoid the common tendency to compress complexity into a few slides. If something takes two sessions to explain properly, we use two sessions. We would rather a participant leave having genuinely understood twelve things than having been exposed to forty.
Personal Finance Observation
This is the introductory entry in our catalogue — focused on the brightest, most visible objects of personal finance. Income, essential expenditure, core savings habits, and basic debt awareness are each treated with the care of a first observation: described, measured, and recorded.
Suited for anyone who has not previously approached their finances in a systematic way, or who wants to reset their understanding from a solid foundation. No prior knowledge is assumed.
- Income categorisation and cash flow mapping
- Essential versus discretionary expenditure
- Core savings frameworks (emergency reserves, short-term goals)
- Basic debt structures and their observable characteristics
- Introduction to EPF contributions and their purpose
- Personal finance register: how to maintain your own ongoing record
Catalogue of Investment Objects
Investment instruments are catalogued the way a star catalogue lists celestial objects — each with its characteristics, its observable behaviour, and its position in the broader market sky. This programme covers equities, bonds, unit trusts, Shariah-compliant instruments, and Malaysian market structures, from a descriptive and educational standpoint.
Participants leave with a clear, written record of the investment landscape in Malaysia — not a recommendation of what to hold, but a working knowledge of what exists and how each type behaves.
- Equities — characteristics, Bursa Malaysia structure, observable behaviour
- Fixed-income instruments — bonds, sukuk, and their distinctions
- Unit trusts — how they function, ASNB and private fund structures
- Shariah-compliant investment structures in the Malaysian context
- Risk and return — descriptive frameworks without prediction
- Reading a fund's factsheet and prospectus
Retirement Catalogue Studies
This extended programme treats retirement and legacy planning as a catalogue compiled across decades of observation — patient, thorough, and built for the long term. Topics span EPF structures and contribution mechanics, private retirement schemes, healthcare provision in older years, and the basics of estate planning within the Malaysian legal framework.
This is the most comprehensive of our three programmes and is suited to participants who are ready to give serious, organised attention to their retirement outlook — regardless of how far off retirement may be.
- EPF — account structure, withdrawal rules, Account 1 and 2, Shariah option
- Private retirement schemes (PRS) — providers, eligibility, tax relief
- Tabung Haji and its function within a retirement framework
- Healthcare and insurance planning — concepts and questions to ask
- Estate basics — wills, faraid, nominations, and their practical differences
- Building your personal retirement catalogue-portfolio
Which Programme Is Right for You?
| Feature | First Magnitude | Investment Catalogue | Long Observation |
|---|---|---|---|
| Programme fee | MYR 410 | MYR 1,880 | MYR 3,400 |
| Duration | 4–6 weeks | 8–10 weeks | 12–16 weeks |
| Personal finance basics | Review | ||
| Investment instruments | |||
| EPF & retirement planning | Intro only | Overview | |
| Estate & legacy basics | |||
| Facilitator sessions available | |||
| Catalogue-portfolio workbook |
Those beginning their financial study, or resetting from an uncertain base. No prior knowledge needed.
Those who understand personal finance basics and want to map the investment landscape with confidence.
Those at any career stage who want a thorough, organised view of their retirement and legacy options.
What Every Programme Shares
Education Only
No product sales, no commission relationships, no embedded recommendations.
Annually Updated
Content is reviewed each year against current Malaysian regulations and market conditions.
Private Data
Participant information is not shared with third parties or used for marketing beyond programme administration.
Post-Completion Support
Three months of content-related query support included in every programme fee.
Not Sure Which Programme to Begin With?
We are glad to discuss your current situation and suggest which entry in our catalogue makes sense for where you are now. There is no pressure and no obligation.
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