Honest Feedback from Real Participants
We share what participants have told us — including the areas where they wished the programmes went further.
← Back to HomeVoices from Our Cohorts
Rashidah binti Aziz
Civil servant, Putrajaya · March 2025
I enrolled in the EPF programme after realising I'd never actually understood my statements beyond the total balance. By the third session, I was reading the full breakdown on my own and had questions for my HR department that I wouldn't have known to ask before. Well worth the time.
EPF & Social Security Deep Dive
Lim Kai Wei
IT manager, Petaling Jaya · February 2025
The Ethical Investing programme covered ground I hadn't encountered anywhere else — particularly the combination of ESG and Shariah-compliant principles in the same discussion. The facilitator handled differing views in the group respectfully and the case studies were genuinely useful. The only thing I'd have wanted was one more session.
Ethical & Responsible Investing Awareness
Nurul Izzati Mohd Noor
Accounts executive, Shah Alam · March 2025
After losing my job briefly in 2023, I realised how unprepared I'd been financially. The Emergency Preparedness programme helped me put a proper plan together — not just the emergency fund amount, but the whole continuity document. It felt practical rather than theoretical throughout.
Financial Emergency Preparedness
Tan Hoong Seng
Healthcare administrator, Cheras · January 2025
I attended because my employer covered part of the fee through their staff development fund. What I appreciated most was that at no point did any facilitator try to sell me something or steer me towards a product. It was genuinely educational in the traditional sense. The SOCSO section was particularly eye-opening.
EPF & Social Security Deep Dive
Suraya Aminah Kadir
Secondary school teacher, Subang · February 2025
I'd heard about ESG investing but assumed it wasn't relevant to someone in my income bracket. The programme changed that assumption entirely — I understand now that the frameworks apply at any investment size. The facilitator was careful not to impose a view, which made the discussions much more useful.
Ethical & Responsible Investing Awareness
Farouk bin Mustaffa
Logistics coordinator, Ampang · March 2025
The emergency preparedness content was practical in a way I wasn't expecting. Session three — government support resources — covered schemes I had no idea existed. The cohort was small enough that the facilitator could address each person's specific situation during the discussion portions, which made a real difference.
Financial Emergency Preparedness
Three Stories Worth Sharing
The Challenge
A 38-year-old civil servant had held an EPF account for 15 years without ever reviewing her statements in detail. She wasn't sure whether her employer had been making correct contributions or what her Account 2 balance could be used for.
The Solution
She enrolled in the EPF Deep Dive and during the statement review session, discovered a two-year gap in employer contribution records. The programme equipped her with the knowledge to query this directly with EPF's member services.
The Outcome
After following up, the contribution discrepancy was resolved. She now checks her statement quarterly and has a clear retirement projection. The programme cost RM 1,300. The recovered contributions amounted to considerably more.
The Challenge
A 44-year-old senior executive wanted to begin investing part of his savings in alignment with his values but felt conflicted between ESG-focused funds and Shariah-compliant options — not knowing whether these overlapped or conflicted.
The Solution
The Ethical Investing programme addressed exactly this question over five weeks. He left with a framework for evaluating fund options and a clearer understanding of where Shariah-compliant screening and ESG criteria align — and where they diverge.
The Outcome
He made no immediate investment decisions during the programme — by design. Instead, he brought better questions to a licensed financial planner the following month, leading to a more considered portfolio decision than he felt he would have made without the prior education.
The Challenge
A couple — both working professionals — enrolled together in the Emergency Preparedness programme after realising during a recent salary delay that they had fewer than two weeks of living expenses readily accessible. They had been meaning to address this for years.
The Solution
The programme helped them complete a full vulnerability assessment, determine an appropriate emergency fund target for their household, and create a financial continuity document covering insurance, contacts, account access, and key obligations.
The Outcome
Within four months of completing the programme, they had built a three-month emergency fund. They described the document creation session as the most practically useful thing they'd done together for their household finances in years.
Have Questions About Our Programmes?
38 Jalan Dang Wangi, 50100 Kuala Lumpur
Mon–Fri: 9:00 AM – 6:00 PM
Sat: 9:00 AM – 1:00 PM
Ready to Find Your Programme?
Send us a message or give us a call. We're happy to discuss which programme suits your situation — without any commitment required.
Contact CoinwiseYour Understanding of Your Own Finances Can Improve
Hundreds of Malaysians have come through our programmes and left with a clearer picture. We'd be glad to help you do the same.
Enquire About Upcoming Intakes