Three programmes, three entry points
Each Mossreed programme is designed for a different stage of readiness. You may begin with whichever fits where you are now and return for others when the time is right.
Back to HomeHow we design every programme
Document-first
We build sessions around real anonymised documents — EPF statements, insurance schedules, fund reports — so learning connects to what participants already hold.
Conversation-centred
Questions are not an interruption — they are built into session design. Small cohorts allow every participant to raise what is on their mind without embarrassment.
Annually reviewed
All materials are updated each year to reflect changes in EPF rules, PRS guidelines, insurance regulatory frameworks, and relevant Malaysian legislation.
Mapping Your Pre-Retirement Decade
6-Week Study Programme · RM 1,290
This programme helps participants take stock of where they stand and what choices typically arise in the 10–15 years before leaving full-time work. It covers household cash-flow mapping, common savings vehicles available to Malaysian residents, how EPF withdrawal options are structured at different ages, and how to think through housing, family obligations, and lifestyle expectations.
- Weekly live discussion groups
- Printable workbook included
- Reading list curated by our educators
- Suitable for working adults beginning to plan from 40+
How the six weeks unfold
- 1Where are you now — cash flow, savings, debts, obligations
- 2EPF structures, withdrawal ages, and what the documents say
- 3Other Malaysian savings vehicles — PRS, ASB, unit trusts
- 4Housing, property, and the family balance sheet
- 5Family obligations, expectations, and conversations worth having
- 6Mapping the decade — your personal review framework
The Quiet Numbers Workshop
2-Day Intensive Workshop · RM 580
A focused workshop on understanding personal financial documents — EPF statements, bank summaries, insurance policy schedules, and unit trust reports — without needing specialist knowledge. The format is small-group, slide-light, and built around real anonymised sample documents. Participants leave able to read what they receive each year and to ask better questions of their existing providers.
- Real anonymised document samples as teaching material
- Tea breaks and printed reference guide included
- In-person (Kuala Lumpur) or online formats available
- Maximum 12 participants per session
What you cover across two days
- 1Day one morning: reading EPF and SOCSO statements correctly
- 2Day one afternoon: bank statements and savings account summaries
- 3Day two morning: insurance policy schedules — what each section means
- 4Day two afternoon: unit trust and fund reports, performance figures, charges
The Long Horizon Programme
12-Week Cohort Programme · RM 2,890
Our flagship programme covers the full scope of household financial planning concepts relevant to the pre-retirement period — from longevity considerations and family communication frameworks to estate-readiness checklists and how to coordinate conversations with licensed professionals when the time comes. Cohorts are small and private, allowing genuine peer conversation between adults at similar life stages.
- Personal orientation call before cohort begins
- Private learning forum access throughout
- Downloadable templates for personal record-keeping
- Final reflection workbook
- Cohorts of 8–14 participants only
Programme arc across 12 weeks
- 1–3Household financial mapping — where you are and where you want to be
- 4–6Longevity, healthcare considerations, and long-term household projections
- 7–9Family communication frameworks and estate-readiness checklists
- 10–12Coordinating with licensed professionals and final personal review
Which programme fits where you are?
Use this comparison to orient yourself. If you are still unsure, send us an enquiry and we will talk it through with you.
| Feature | Quiet Numbers RM 580 |
Pre-Retirement Decade RM 1,290 |
Long Horizon RM 2,890 |
|---|---|---|---|
| Duration | 2 days | 6 weeks | 12 weeks |
| Document literacy focus | |||
| Household planning | — | ||
| Family communication tools | — | — | |
| Orientation call | — | — | |
| Private learning forum | — | — | |
| Best for | Adults who want to understand the paperwork they already receive | Adults beginning to plan the decade before 55 | Adults ready for a comprehensive, structured engagement |
Not sure where to begin? Send us an enquiry and we will suggest the right starting point.
What every Mossreed programme includes
Participant privacy
All personal information is held confidentially. Group discussion ground rules are agreed at session one. No participant information is shared with third parties.
Quality assurance
Mid-programme and end-of-programme feedback is collected and reviewed. Delivery quality is assessed by the Programme Director after each cohort, with adjustments made before the next.
Plain language standard
All materials are reviewed against a plain-language benchmark before use. Technical terms are introduced with clear explanation and participants are always encouraged to ask for clarification.
Annual content review
Curriculum is reviewed every year against regulatory changes — EPF, SOCSO, PRS, and related Malaysian frameworks — to ensure materials remain accurate and current.
No product affiliation
None of our programmes includes referrals to licensed product providers. Our educators are not commissioned or affiliated with banks, insurers, or fund managers.
Personal enquiry response
Every enquiry receives a personal reply — not an automated sequence. We respond within one working day and are happy to answer follow-up questions before you decide to register.
Clear, all-inclusive pricing
All fees include materials, workbooks, and the resources listed for each programme. No additional charges.
Quiet Numbers Workshop
2-Day Intensive
RM 580
per participant
- Real anonymised document samples
- Printed reference guide
- Tea breaks included (in-person)
- In-person KL or online
Pre-Retirement Decade
6-Week Programme
RM 1,290
per participant
- Weekly live discussion groups
- Printable workbook
- Curated reading list
- Online delivery
The Long Horizon
12-Week Cohort
RM 2,890
per participant
- Personal orientation call
- Private learning forum
- Templates and reflection workbook
- Cohort of 8–14 only
Not sure which one to start with?
Send us a short note about where you are in your thinking. We'll suggest the programme that fits best — no obligation to register on the spot.
Send an Enquiry