Our Programmes
Three Courses, Each With a Clear Purpose
Each programme is self-contained, focused on a specific area of financial life in Malaysia, and designed to be completed by working adults alongside their other commitments.
Back to HomeHow We Teach
Our Teaching Methodology
Northvane's approach is built around a few consistent principles that apply across all three courses.
Structured Progression
Each session builds logically on the previous one. You do not need to research supplementary material — the course is designed to be complete in itself.
Malaysian Examples Only
No translated concepts from other markets. All instruments, regulations, and case studies reflect the Malaysian context specifically.
Recorded and Replayable
Sessions are recorded so you can return to sections as often as needed. Twelve months of access from enrolment date.
Written to Be Used
Materials are formatted for writing in, not just reading. Worksheets, ledgers, and comparison tables are part of every course.
Course One
Plain Numbers for Midlife Households
A patient introductory course for adults in their forties and fifties who want to understand their household figures without any prior background. Participants are walked through tracking monthly inflows and outflows, separating recurring obligations from discretionary spending, and reading the basic terms on payslips, EPF statements, and bank summaries.
The tone is conversational and the pace is unhurried, with worksheets that can be filled in over a quiet weekend. Suitable for those who have always handled money on instinct and would now like a clearer view.
What the Course Covers
- Reading and organising monthly household inflows and outflows
- Understanding payslip terminology — gross pay, deductions, EPF, SOCSO
- Interpreting an EPF Annual Statement
- Separating fixed obligations from variable and discretionary spending
- Building a simple monthly household summary you can maintain yourself
Course Format
Course Fee
RM 690
Course Two
Reading the Fixed Income Shelf
A six-week course that takes a careful look at the fixed income options available in Malaysia — fixed deposits, Amanah Saham, Malaysian Government Securities, sukuk, and corporate bonds — explaining what each instrument is, who it tends to suit, and where the often-overlooked risks sit.
Lessons examine how interest-rate movements ripple through bond prices, what credit ratings communicate and what they leave unsaid, and how to read a simple bond term sheet without specialist training. Built for participants who hold cash savings and want to consider whether a portion might be better placed elsewhere.
What the Course Covers
- Fixed deposits: structures, rates, and what the fine print says
- Amanah Saham: how dividends are determined and what the risks are
- Malaysian Government Securities and sukuk explained plainly
- Corporate bonds: credit ratings, default risk, and term sheets
- How interest-rate changes affect the value of bonds you already hold
Course Format
Course Fee
RM 1,580
Course Three
Property in the Second Half of Life
A thoughtful exploration of property decisions facing adults in midlife, including downsizing, inter-generational ownership, refinancing during a longer working horizon, and the practical tax and legal points around selling, gifting, or holding.
Sessions cover the realities of valuing a home that has been lived in for decades, the costs that often surprise people at the point of sale, and how property fits alongside EPF and other retirement assets. Topics are presented without urging any particular path — the aim is informed reflection rather than action.
What the Course Covers
- Valuation of a long-held property: how it works and what affects the figure
- Real Property Gains Tax (RPGT) — when it applies and how it is calculated
- Refinancing options and what they mean in your fifties versus forties
- Downsizing: financial and practical considerations
- Gifting or transferring property to children: stamp duty, legal costs, implications
- How property fits within a broader retirement picture alongside EPF
Course Format
Course Fee
RM 2,250
Choose the Right Course
Which Programme Suits You?
The three courses address different situations. This table may help you identify which one — or which combination — is most relevant to where you are now.
| Your Situation | Plain Numbers | Fixed Income | Property |
|---|---|---|---|
| I have never properly tracked my household spending | — | — | |
| I want to understand my EPF statement more clearly | — | ||
| I hold cash savings and wonder if I should consider other options | — | — | |
| I want to understand what Amanah Saham dividends reflect | — | — | |
| I am thinking about downsizing or selling property I have owned for years | — | — | |
| I have questions about RPGT or property transfer to children | — | — | |
| I want a general financial foundation before exploring other areas |
Not sure? Call us at +60 4-263 8147 or send an email — we are glad to talk through which course suits your situation.
Our Standards
Consistent Across All Three Programmes
Data Privacy
Participant data is used only for course administration. No sharing with third parties for marketing. PDPA 2010 compliant.
Content Updates
Materials are reviewed when BNM guidance, EPF rules, or relevant tax regulations change. Enrolled participants are notified of significant updates.
No Product Promotion
No financial product is recommended or promoted within any course. We have no commercial relationship with any bank, fund manager, or property agent.
Capped Cohort Sizes
Discussion sessions are capped so every participant can raise questions. We do not prioritise scale over the quality of individual experience.
Seven-Day Refund Window
Full refund available within seven days of enrolment, provided the first session only has been accessed. Case-by-case consideration thereafter.
Direct Support Access
Questions are handled by our team directly. Phone and email access to the George Town office throughout the course period.
Course Fees
Transparent, Single-Fee Pricing
One price per course, all materials included. No add-ons, no recurring charges, no hidden tiers.
Plain Numbers
For Midlife Households
RM 690
One-time fee
- 5 recorded sessions
- Printable household ledger
- 12 months access
- Email support
Fixed Income Shelf
6-Week Programme
RM 1,580
One-time fee
- 6-week structured programme
- Moderated weekly discussion
- Glossary and comparison sheets
- Bond term sheet guide
- 12 months access
Property in Midlife
10-Module Programme
RM 2,250
One-time fee
- 10 in-depth modules
- Anonymised case studies
- Closing review with facilitator
- 12 months access
- Email support
Next Step
Not Sure Which Course to Start With?
Send us a message or call the office and we will help you identify which programme fits your current situation and objectives.
Send an Enquiry