Ilmu Vault
Financial clarity
Kuala Lumpur, Malaysia

Know Your Numbers.
Shape Your Next Chapter.

Financial education programmes thoughtfully designed for Malaysians aged 40 and above — grounded in EPF realities, Malaysian credit systems, and the full landscape of local investment instruments.

Explore What's Right for You
+60 3-9182 6347
[email protected]
Malaysian Financial Context
Our Programmes

Three Pathways to Financial Clarity

Each programme is structured around Malaysian financial systems, real data, and the practical questions people in their 40s, 50s, and 60s are actually asking.

Credit Score Awareness

Credit Score Awareness Briefing

Single session · CTOS & CCRIS

A focused briefing on how credit scoring works in Malaysia — how CTOS and CCRIS scores are calculated, what affects them, and how to check and dispute errors. Includes a credit-health checklist for participants.

  • Score calculation explained clearly
  • Dispute and correction guidance
  • Credit-health checklist included
Programme Fee
RM 650
Enquire
Fixed Income Course

Fixed Income & Bond Education Course

Four sessions · Sukuk & bond instruments

A four-session course covering government bonds, corporate sukuk, bond unit trusts, and money market funds available to Malaysian retail investors. Uses real Malaysian bond market data throughout.

  • Yield calculation and credit risk basics
  • Portfolio allocation guidance
  • Bond comparison worksheet included
Programme Fee
RM 1,650
Enquire
Pre-Retirement Programme

Pre-Retirement Comprehensive Programme

Seven sessions · For ages 50–60

A seven-session programme for those actively preparing for retirement. Covers EPF withdrawal planning, healthcare insurance transition, portfolio positioning, lifestyle cost projection, and legacy planning.

  • EPF and insurance transition planning
  • Retirement manual + quarterly reviews
  • One full year of follow-up support
Programme Fee
RM 3,380
Enquire
Why It Matters

Education Designed Around Your Stage of Life

Grounded in Malaysian Systems

Every example draws from EPF, CCRIS, CTOS, and local bond markets — not generic foreign content repurposed for a Malaysian audience.

Small Cohort Format

Sessions are kept small so every participant has room to ask questions and work through personal scenarios without feeling rushed.

No Prior Knowledge Needed

Programmes start from a comfortable baseline. You are invited to come as you are — whether you have some financial background or none at all.

Practical Take-Home Materials

Each programme includes worksheets, checklists, and reference materials you can use independently long after sessions conclude.

Respectful of Your Experience

The tone throughout every session acknowledges the financial journey you have already lived — building on it rather than dismissing it.

Transparent Pricing

All programme fees are stated upfront. There are no hidden costs, upselling pressure, or unexpected extras during or after the programme.

Your Next Step

A Clearer Financial Picture Begins Here

Whichever stage you are at — building credit awareness, exploring investment instruments, or preparing for retirement — there is a programme at Ilmu Vault that meets you where you are. Reach out at your own pace.

Reach Out to Us View All Programmes
+60 3-9182 6347 [email protected]
Questions Welcome

Things People Often Ask

Do I need any prior financial knowledge to attend?
No prior knowledge is needed. Each programme is designed to begin from a comfortable starting point. Whether you have some familiarity with financial concepts or are encountering them for the first time, sessions are structured so that the material builds logically and at a pace that respects every participant.
How are sessions conducted?
Sessions take place in small groups at our Kuala Lumpur centre near KLCC, creating a calm and focused environment. Cohort sizes are kept deliberately small so there is room for individual questions, personal scenarios, and open discussion rather than a lecture-only format.
Can I attend if I am already retired?
Yes, certainly. While the Pre-Retirement Comprehensive Programme is shaped for those approaching retirement, the Credit Score and Fixed Income programmes are relevant at any stage. Many retired participants find the bond and fixed income course particularly valuable for managing EPF withdrawals and building a steady income portfolio.
Which programme should I begin with?
It depends on what is most pressing for you at this moment. If you are within 10 years of retirement, the Pre-Retirement Comprehensive Programme tends to address the most immediate planning needs. If you have questions about your borrowing capacity or credit record, the Credit Score Briefing is a focused single-session option. If you are interested in understanding Malaysian bonds and sukuk, the Fixed Income course is the right place to start. Contact us and we will be glad to help you choose.
What happens after I complete a programme?
You leave with all course materials and any worksheets or checklists from the programme. The Pre-Retirement Programme includes quarterly reviews for one full year following completion. For other programmes, our team remains available for follow-up questions by email or phone.
Is my personal information kept confidential?
Yes. Any personal financial details you share during sessions — whether about your EPF balance, credit record, or investment situation — are treated with complete discretion. We do not share or distribute participant information. Our Privacy Policy outlines our full data handling approach.
How many participants are in each session?
We keep cohorts small — typically between six and twelve participants. This allows for a more personal dynamic, time for individual questions, and the kind of thoughtful discussion that benefits everyone in the room.
What makes Ilmu Vault different from other financial courses?
Our programmes are specifically shaped around the needs and questions of people in their 40s, 50s, and 60s — not repurposed content from generic investment courses. We use real Malaysian data, reference the actual systems participants interact with (CTOS, CCRIS, EPF, Bursa), and take time to address the personal concerns that are often left unanswered in larger seminar formats.
Find Us

Our Location in Kuala Lumpur

6 Persiaran KLCC, 50088 Kuala Lumpur

We're Here

Get in Touch at Your Own Pace

Send us a message or call — there is no pressure, no commitment, and no rush. We are happy to answer questions and help you find the right starting point.

Contact Details

Address
6 Persiaran KLCC,
50088 Kuala Lumpur
Working Hours
Mon – Fri: 9:00 AM – 6:00 PM
Saturday: 9:00 AM – 1:00 PM
Sunday: Closed

Send Us a Message

By submitting this form, you agree to our Privacy Policy and Terms & Conditions.