What We Offer
Three Programmes, One Clear Direction
Each programme addresses a distinct financial domain — select the one that fits where you are today, or begin with the Full Spectrum programme for a comprehensive overview.
Back to HomeOur Methodology
How We Teach
Every Amanah Circle programme follows a structured sequence: foundational concepts are introduced first, followed by applied exercises that relate directly to Malaysian instruments and regulations, then a synthesis session that connects the pieces and addresses participant-specific questions.
Materials are developed in-house and reviewed annually. We do not license content from external providers, and our educators draw on their own professional experience to illustrate concepts with real-world examples from the Malaysian context.
All sessions are conducted in English. Sessions are held at our Subang Jaya centre. Where capacity and scheduling permit, hybrid attendance options may be available.
Educator-Led, Not Scripted
Sessions are guided by the educator's expertise, not a fixed slide deck. Questions shape the direction of discussion within each session's topic.
Applied Calculation Exercises
Participants work through real examples — calculating tax reliefs, reading mortgage amortisation tables, projecting EPF drawdown scenarios — using actual Malaysian figures.
Annual Content Refresh
LHDN rates, RPGT thresholds, and EPF policies change. Our materials are updated each year to ensure everything participants learn reflects the current regulatory environment.
Tax Awareness Workshop
RM 660
A focused two-session workshop covering personal income tax fundamentals for Malaysian residents. Topics include allowable deductions, relief categories, tax-saving instruments such as PRS and SSPN, and common filing mistakes to avoid. Designed for salaried and self-employed individuals who want to understand their tax obligations and opportunities without needing an accounting background.
What You'll Cover
- Personal income tax structure for Malaysian residents (salaried and self-employed)
- Allowable deductions and relief categories under the Income Tax Act
- Tax-saving instruments: PRS, SSPN, life insurance reliefs, and more
- Common filing errors and how to address them
- LHDN e-filing process and timeline
Included Materials
- Deduction and relief checklist for the current assessment year
- Filing timeline guide with LHDN deadlines
- Worked examples from Malaysian tax assessments
Property & Mortgage Education Series
RM 1,920
A four-session education series exploring property as a financial asset in the Malaysian context. Covers mortgage mechanics, refinancing scenarios, rental yield calculation, property valuation awareness, and the RPGT framework. Suitable for those who own property but lack confidence in the financial dimensions of their holdings. Sessions use real-market data and calculation exercises.
Session Overview
- S1Mortgage mechanics — how loans are structured, how interest accumulates, and what your monthly repayment actually covers
- S2Refinancing scenarios — when it makes sense, what the real costs are, and how to evaluate bank offers
- S3Rental yield and property valuation — calculating gross and net yield, understanding how valuers assess market value
- S4RPGT framework and property ownership decisions — tax on disposal, exemptions, and holding period considerations
Included Materials
- Property portfolio assessment template
- Rental yield calculation worksheet
- Mortgage comparison framework
- RPGT reference table (current rates and exemptions)
Full Spectrum Financial Planning Programme
RM 3,420
A six-session holistic programme that takes participants through the entire personal finance landscape — cash flow management, protection planning, investment education, retirement projections, estate preparation, and tax optimisation. Tailored for the 40-plus age group with content reflecting Malaysian economic conditions and regulatory frameworks. Each participant receives a personalised financial roadmap document. Includes four quarterly follow-up sessions.
Six-Session Structure
- S1Cash flow and household balance sheet — understanding your financial position clearly
- S2Protection planning — insurance structures, adequacy assessment, reviewing existing coverage
- S3Investment education — asset classes, risk understanding, and EPF vs voluntary investment choices
- S4Retirement projections — EPF withdrawal sequencing, Amanah Saham, and retirement gap analysis
- S5Estate preparation — hibah, wasiat, faraid, and joint tenancy considerations
- S6Tax optimisation — integrating all previous sessions into a coherent personal tax strategy
What's Included
- Personalised financial roadmap document
- All session worksheets and reference materials
- Four quarterly follow-up sessions (no additional charge)
- Post-programme email support for factual queries
Programme Comparison
Finding the Right Starting Point
Each programme is self-contained. You don't need to complete one before joining another — choose based on your current area of focus.
| Feature | Tax Workshop | Property Series | Full Spectrum |
|---|---|---|---|
| Sessions | 2 | 4 | 6 + 4 follow-ups |
| Fee | RM 660 | RM 1,920 | RM 3,420 |
| Tax content | — | ||
| Property & mortgage content | — | ||
| Retirement & estate planning | — | — | |
| Investment education | — | — | |
| Personalised roadmap document | — | — | |
| Quarterly follow-up sessions | — | — | |
| Best suited for | Tax clarity focus | Property owners | Holistic planning |
Not sure which programme fits? We're glad to help you think it through.
Get Programme GuidanceAcross All Programmes
Standards That Carry Through Every Session
Privacy and Discretion
Personal financial information shared in sessions is kept entirely confidential. Cohort participants are briefed on mutual confidentiality expectations at the start of every programme.
Quality Feedback Loop
Each programme concludes with a structured evaluation. Responses inform content improvements and are reviewed by the lead educator before the next cohort.
Regulatory Alignment
Content is aligned with current LHDN, Bank Negara, EPF, and NAPIC guidelines. We note whenever a regulatory area is in flux and will not present uncertainty as settled.
Punctual and Prepared
Sessions begin and end at the stated time. Materials are prepared and distributed before each session. Participants receive a pre-session overview for each meeting.
No Product Endorsements
We do not recommend specific financial products, funds, or institutions in any session. Educators may discuss product categories conceptually but will not direct participants toward any provider.
Post-Session Support
Participants may submit factual follow-up questions by email after any session. We respond within three working days with a considered answer or appropriate referral.
Enrolment
Ready to Explore a Programme?
Send us a message and let us know which programme interests you, or simply ask any question you have. We'll respond at a pace that suits you.