Programmes
Three focused programmes.
Each serves a clear purpose.
Panthalas offers three one-to-one programmes for adults in Malaysia. Each was designed around a specific area of financial understanding that working adults often want to develop but rarely find the right setting to do so.
Back to HomeOur Methodology
How the programmes work
Grounded in your records
Sessions use the participant's own documents wherever possible. We work with what you already have — your bank statements, your EPF printouts, your insurance policy documents. Hypothetical examples are used only when necessary.
Spaced for understanding
Multi-session programmes are designed with deliberate gaps between sessions. Time between sessions is not wasted — it is where understanding begins to settle. Participants are encouraged to try things and return with what they found.
Closed with printed materials
Each programme closes with something tangible — a printed sheet or guide written about your situation in plain English. This is yours to keep and use independently after the programme ends.
Programme 1
Small Saving Pool Programme
RM 450 · Two sessions
This programme is for adults who would like to build a small dedicated saving pool for irregular but predictable expenses — road tax and insurance renewals, a yearly medical check-up, modest family gifts, or an annual holiday contribution. The first session sizes each pool realistically using the participant's own records; the second, held a month later, reviews the first month of practice and adjusts.
What is included
- Two one-to-one sessions (each approximately 90 minutes)
- Pool sizing based on your actual expense records
- One-month review session included in the fee
- Printed pool summary sheet for each saving category
- Available at the Penang studio or over video
Session steps
Programme 2
Reading Monthly Statements Programme
RM 1,420 · Four sessions
This four-session programme is for adults who receive several monthly statements from banks, credit cards, and e-wallets and would like to read them with more care each month. Sessions walk through the common structure of these statements, the patterns worth noticing, the anomalies worth questioning, and the reconciliation habit worth building over the coming year. Educational in character; no product recommendations are offered. The programme ends with a simple printed monthly-review sheet.
What is included
- Four one-to-one sessions, spaced two to three weeks apart
- Covers bank statements, credit card summaries, and e-wallet records
- Printed monthly-review sheet for use after the programme ends
- No product recommendations made at any stage
- Available at the Penang studio or over video
Session steps
Programme 3
Household Shelf Engagement
RM 3,700 · Three-month engagement
A three-month engagement helping a household build a small, well-kept record shelf of its financial documents — a quiet, orderly archive of bank and e-wallet relationships, EPF and PRS positions, insurance policies, property and vehicle documents, outstanding obligations, and a simple annual review routine. Meetings are paced at three-week intervals with practice between. The engagement closes with a short printed guide describing the household's own shelf in plain English.
What is included
- Four meetings over three months, each approximately two hours
- Covers EPF, PRS, insurance, banking, property, vehicles, and obligations
- Practice tasks between meetings to build the shelf incrementally
- Printed household shelf guide at close, written about your situation
- Available at the Penang studio or over video
Engagement structure
Which programme suits you?
Programme comparison
If you are unsure which programme to start with, the table below may help. A brief initial conversation can also help clarify the most useful starting point.
| Feature | Saving Pool | Reading Statements | Household Shelf |
|---|---|---|---|
| Sessions | 2 | 4 | 4 over 3 months |
| Fee (RM) | 450 | 1,420 | 3,700 |
| Focus area | Annual expense pools | Monthly statements | Full household records |
| Printed output | |||
| Best suited for | Adults wanting to smooth irregular annual costs | Adults with multiple accounts and statements | Households wanting full record clarity |
| Available by video |
Standards
Shared across all programmes
Participant data privacy
Financial documents and session content are not shared beyond the working relationship. Privacy practices are agreed before any session begins.
Written programme agreement
Scope, fees, and what is included are confirmed in writing before work starts. No verbal commitments without a written summary.
No product recommendations
Panthalas facilitators do not recommend or sell financial products of any kind within any programme. This applies without exception.
Tangible close to each programme
Every programme ends with printed materials describing your situation — not generic templates. These are yours to keep and use independently.
Not sure where to begin?
A brief initial conversation — by phone, video, or email — can usually clarify which programme would be the most useful starting point. There is no commitment in asking.
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