— Our Programmes
Three programmes. One considered progression.
Each programme addresses a distinct phase of personal financial understanding, from foundational budgeting to the planning of a financial legacy within the Malaysian context.
← Back to Home— Our Approach
How the programmes are designed to work together
THREAD 01
The warp is set first
Budgeting and income organisation establish the frame. Without these, investment decisions rest on an unclear foundation.
THREAD 02
Patterns develop from structure
Investment literacy builds on the structure established in budgeting. Participants learn how instruments combine and interact.
THREAD 03
The finished cloth is planned from the start
Lifetime planning draws on the full body of knowledge developed in the earlier programmes. It is where all threads converge.
Each programme can be taken independently. However, participants who complete the sequence find the material reinforces itself across all three stages. The Heritage Cloth programme, in particular, draws heavily on concepts introduced in First Warp and developed in Pattern Development.
PROGRAMME 01
First Warp: Budget Foundations
Household budgeting treated as the setting of warp threads — the foundation on which everything else depends. Participants work through income organisation, expense categorisation, and savings reserve-building through structured exercises designed for patient, methodical progress.
Key benefits
- Develops a reliable framework for monthly income and expense tracking
- Introduces savings categorisation appropriate to Malaysian household structures
- Provides a working vocabulary for the financial concepts used in later programmes
- Materials designed to remain useful as a household reference after completion
Programme steps
Income mapping
Document all income sources and understand their regularity, variability, and reliability.
Expense categorisation
Sort expenditure into fixed, variable, and discretionary categories using the workbook framework.
Savings reserve design
Build a tiered savings approach with emergency, short-term, and medium-term allocations.
Monthly review process
Establish a personal review routine that can be maintained independently after the programme.
Duration
4–6 weeks
Programme Fee
MYR 430
PROGRAMME 02
Pattern Development: Investment Literacy
Investment concepts presented as pattern development — how different instruments combine to form a considered design. Covers equities, bonds, unit trusts, and Shariah-compliant instruments with a focus on the Malaysian market, describing how each functions and what considerations apply.
Key benefits
- Develops understanding of how Malaysian equity and bond markets function
- Covers unit trusts, ASB, and Amanah Saham products in a Malaysian context
- Dedicated Shariah-compliant instrument module with sukuk and Islamic funds coverage
- Annotated case study readings provide worked examples of portfolio analysis
Programme steps
Asset class overview
Introduction to equities, fixed income, cash, and alternative instruments with their fundamental characteristics.
Malaysian market features
Bursa Malaysia structure, Securities Commission regulations, EPF investment panel products, and local fund landscape.
Shariah-compliant instrument study
Dedicated module on Islamic finance instruments, their structural differences, and how to identify them in practice.
Case study analysis
Work through annotated case studies examining how different instruments have behaved in different market conditions.
Duration
8–10 weeks
Programme Fee
MYR 1,960
PROGRAMME 03
Heritage Cloth: Lifetime Planning
Retirement and legacy planning presented as the weaving of heritage cloth — a financial life intended to be passed to the next generation. Topics include EPF optimisation, private retirement schemes, healthcare cost planning, and the estate basics that shape how wealth is transferred within the Malaysian legal context.
Key benefits
- Covers EPF Account 1 and 2 structures, withdrawal rules, and member investment scheme
- Introduces private retirement scheme (PRS) mechanics and eligible providers
- Healthcare cost planning with consideration of takaful and medical insurance structures
- Estate basics including hibah, faraid, and wasiat within Malaysian and Islamic contexts
Programme steps
Retirement landscape mapping
Survey the full picture of retirement provisions available in Malaysia, from EPF to voluntary savings and private schemes.
Healthcare cost modelling
Understand how healthcare costs develop across a lifetime and the instruments available to address them.
Legacy and estate fundamentals
Review the legal and administrative frameworks for passing wealth — including hibah, faraid, wasiat, and joint account considerations.
Planning portfolio completion
Compile a complete personal planning portfolio drawing on all three programmes. Optional facilitator sessions available.
Duration
12 weeks + optional facilitator sessions
Programme Fee
MYR 3,520
— Programme Comparison
Choosing the right programme
Use this table to understand what each programme includes and which is best suited to your current stage of financial understanding.
| First Warp MYR 430 |
Pattern Dev. MYR 1,960 |
Heritage Cloth MYR 3,520 |
|
|---|---|---|---|
| Budgeting workbook | |||
| Investment literacy modules | |||
| Shariah-compliant instrument module | |||
| EPF and PRS coverage | |||
| Legacy and estate basics | |||
| Recorded sessions | |||
| Optional facilitator sessions |
Best for
First Warp
Those approaching organised financial management for the first time, or looking to establish a more methodical household budgeting system.
Best for
Pattern Development
Those who understand their household finances and want to develop a structured understanding of how investment instruments function.
Best for
Heritage Cloth
Those thinking about retirement, intergenerational wealth, or legacy planning in a Malaysian context — often at a stage of mid-to-later career.
— Shared Standards
What all three programmes share
No product referrals
None of the programmes direct participants toward specific financial products or providers. Education is provided without commercial interest.
Annually reviewed content
Regulatory and market references are reviewed each year. Materials are updated when the underlying conditions have changed.
PDPA compliant data handling
Participant data is handled in accordance with Malaysia's Personal Data Protection Act 2010.
Written materials retained
All workbooks, glossaries, and reference materials belong to the participant after programme completion.
Support available throughout
Participants can reach the Arbutrix Moor team during the programme period for materials or scheduling questions.
Self-paced within structure
Recorded sessions allow participants to work at their own pace. Guidance on scheduling is provided at enrolment.
— Begin
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