Three Programmes, Each Addressing a Real Gap
Coinwise programmes are designed around the financial knowledge gaps most commonly found among employed Malaysians — not abstract financial theory.
← Back to HomeHow We Build and Deliver Each Programme
Each Coinwise programme begins with a defined learning outcome: what should a participant be able to do — or understand — after completing the programme that they couldn't before? We work backwards from that outcome to build each session.
Content is revised annually to reflect current Malaysian regulatory conditions. Facilitators participate in programme review sessions where participant feedback, questions raised during cohorts, and regulatory updates are assessed and incorporated.
We do not deliver passive lectures. Sessions include document review, scenario discussion, reflection exercises, and open Q&A. Participants are encouraged to bring their own financial documents where relevant to the programme content.
Outcome-Focused
Every session traces back to a defined practical outcome
Annually Updated
Content reviewed against current Malaysian regulations each year
Interactive Format
Scenario discussions, document work, and open Q&A in each session
Small Cohorts
Limited group sizes for personalised attention and discussion
EPF & Social Security Deep Dive
Most employed Malaysians have never fully understood what their EPF and SOCSO contributions actually provide for them. This programme changes that in a structured, unhurried 3-week format. Participants leave with a clear, personal picture of their statutory savings and social protection coverage.
What You'll Cover
- How EPF contributions are calculated and which account they flow into
- Account 1 and Account 2 — structures, restrictions, and withdrawal pathways
- Understanding dividend mechanics and how they affect your balance
- Reading and interpreting your own EPF statement
- SOCSO/PERKESO benefits many workers are unaware they're entitled to
- Guided statement review sessions in small groups
Programme Steps
EPF fundamentals and contribution mechanics
Statement walkthrough and personal review session
SOCSO benefits, withdrawal planning, and Q&A
Ethical & Responsible Investing Awareness
A thoughtful 5-week exploration of what it means to invest with intention — covering ESG frameworks, Shariah-compliant principles, and the practical reality of aligning financial decisions with personal values. The programme respects diverse worldviews and does not prescribe any single approach.
What You'll Cover
- ESG (Environmental, Social, Governance) criteria explained clearly
- Shariah-compliant investment principles and screening methods
- How to evaluate unit trusts and funds through an ethical lens
- The tensions between financial performance and values alignment
- Guest perspectives from practitioners in sustainable finance
- Curated Malaysian and regional case studies throughout
Programme Steps
Introduction to ESG — what it is and how it's applied
Shariah-compliant investing principles and Malaysian context
Fund evaluation frameworks and guest session
Performance vs values — case studies and discussion
Building a personal investment values framework
Financial Emergency Preparedness
A calm, constructive 4-week programme addressing the practical realities of financial disruption — job loss, medical emergencies, natural disasters, and economic contractions. The emphasis is on preparedness, not anxiety. Participants leave with a concrete, documented plan.
What You'll Cover
- Assessing your current financial vulnerability honestly
- Emergency fund sizing models for Malaysian households
- Insurance coverage adequacy check — what to look for
- Government assistance programmes available in Malaysia
- Community resources and support networks
- Creating your household financial continuity document
Programme Steps
Understanding your current financial vulnerability
Emergency fund models and insurance adequacy review
Government and community support resource mapping
Creating your personal financial continuity document
Which Programme Is Right For You?
Use this comparison to find the programme that most closely matches your current need.
| Feature / Programme | EPF & SOCSO RM 1,300 |
Ethical Investing RM 3,000 |
Emergency Prep RM 1,700 |
|---|---|---|---|
| Duration | 3 weeks | 5 weeks | 4 weeks |
| Live document review | |||
| Malaysian regulatory focus | |||
| Shariah-compliant content | |||
| Household continuity document | |||
| Guest speaker sessions | |||
| Best suited for | Employees wanting to understand their EPF account | Those exploring values-aligned investing | Households wanting a financial safety plan |
Common Standards We Uphold
PDPA Compliance
All participant data handled under Malaysia's PDPA 2010
Annual Content Review
Programmes reviewed against current regulations each year
HRD Corp Registered
Fees may be claimable under HRD Corp for eligible employers
Certificate of Completion
Issued to participants who complete all scheduled sessions
We're Happy to Help You Decide
Send us a message and briefly describe your situation. We'll suggest the programme — or combination — that seems most relevant, without any pressure to commit.
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