Financial Education · Ipoh, Perak
Understanding your money, at a pace that suits you
Melati offers straightforward, unhurried classes on personal finance, EPF, and retirement planning — crafted especially for Malaysians in their 40s and beyond.
Enquire About a ClassOur Classes
Three pathways, one unhurried direction
Each class is built around what adults in their 40s and beyond actually want to know — no jargon, no rush, and no pressure to decide anything on the day.
Easing Into Money Basics
A peaceful introductory class for those who want a gentle start with everyday finance — budgeting, saving habits, and reading your own KWSP and bank statements. Two relaxed sessions with a workbook to keep.
- Reading bank statements clearly
- Building a simple monthly budget
- Understanding your KWSP basics
- Take-home workbook included
A Restful Look at Retirement
A guided track helping you understand how EPF, PRS, and personal savings come together. We focus on your own understanding so you can weigh options calmly, with no product selling. Four sessions with worksheets and a personal review.
- EPF, PRS, and savings explained
- Four sessions at a comfortable pace
- Personal review included
- Worksheets to keep
The Calm Retirement Programme
A thorough programme covering budgeting, estate basics such as wasiat and hibah, healthcare planning, and patient investing concepts. Six weekly sessions, a printed guide, and three months of follow-up support.
- Wasiat, hibah & estate essentials
- Healthcare cost planning
- Six weekly sessions + printed guide
- 3 months follow-up support
Why Melati
What makes learning here different
We keep classes small, language plain, and pacing gentle. These aren't seminars — they're conversations with a knowledgeable guide.
Plain, Unhurried Language
No financial jargon that leaves you guessing. Every concept is explained simply and revisited until it sits comfortably.
Small, Attentive Groups
Sessions are kept to a handful of participants so that every question receives a real, thoughtful answer.
No Sales, No Pressure
Melati is an education provider, not a product seller. What you learn here helps you ask better questions of your own advisers.
Printed Materials to Keep
Each class comes with a workbook or guide you take home — so you can review at your own pace long after the session ends.
Locally Grounded in Malaysia
Content is built around Malaysian financial structures — EPF, KWSP, PRS, wasiat, hibah — not generic Western models.
Follow-Up Access
Questions don't always appear during class. Participants on longer programmes have continued access to ask and clarify after sessions end.
Ready to take one quiet step forward?
There is no obligation, and no rush. Send us a short message and we will let you know which class might suit you best.
Questions
A few things people often ask
Do I need any prior knowledge of finance to join?
Not at all. Every class starts from basics. Whether you have never thought about budgeting before or have simply lost track of your EPF statements over the years, you are welcome exactly as you are.
How large are the groups?
We keep sessions small — typically six to ten people — so that there is always time for your questions and the pace stays comfortable for everyone.
Will anyone try to sell me a financial product?
No. Melati is an education provider only. We do not sell insurance, unit trusts, or any financial product. Our only goal is to help you understand your own situation more clearly.
Where are sessions held?
Classes are held at our centre in Ipoh, Perak — 48, Persiaran Greentown 3, 30450 Ipoh. The space is quiet and easy to reach. Parking is available nearby.
Can I join if I have already retired?
Yes, absolutely. Several of our participants have already left employment and are looking to understand how to manage what they have. The Calm Retirement Programme in particular covers topics relevant to those already in or approaching retirement.
What happens if I miss a session?
Life happens. If you miss a session, we will arrange a brief catch-up with you before the next class so you do not feel left behind. We want you to get the full value of what you have enrolled in.
How do I know which class is right for me?
Send us a message through the form below or call us at +60 3-5631 0492. We will have a brief, relaxed conversation to understand where you are and suggest the class that fits your situation best.
Find Us
Our location in Ipoh
48, Persiaran Greentown 3, 30450 Ipoh, Perak, Malaysia
Contact Us
We would be glad to hear from you
Write us a short note, or call during our office hours. There is no obligation — just a calm conversation.
Get in Touch
Phone
+60 3-5631 0492
Address
48, Persiaran Greentown 3
30450 Ipoh, Perak, Malaysia
Office Hours
Monday – Friday: 9:00 am – 5:30 pm
Saturday: 9:00 am – 1:00 pm
Closed on Sundays & Public Holidays