Participant stories
Participant Stories

What people say
when they are honest.

These are genuine accounts from participants across our three programmes. No editing for promotional tone.

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7+

Years running

340+

Graduates

4.8

Feedback score (out of 5)

68%

Return for a second programme

Participant Feedback

What participants wrote

RH

Rohani Hamzah

Petaling Jaya · Apr 2025

Slow Money Conversations was the first time I have sat in a room and talked about money without feeling judged or sold to. Ahmad is patient with questions and the group dynamic was surprisingly open by the third session. I came in with concerns about supporting my mother and left with a clearer way to think about it — not answers, but a better framework. That is what I needed.

Slow Money Conversations

TKW

Tan Kok Wei

Subang Jaya · Mar 2025

I signed up for Investment Foundations expecting a lecture series. It was not that at all. The format is genuinely interactive and Mei Shan handles the group well — drawing in quieter participants without making it uncomfortable. My one comment would be that the ninth session felt slightly rushed, but overall the nine weeks gave me more durable understanding than anything I had read on my own in years.

Personal Investment Foundations

PV

Pushpa Velayutham

Ampang · Apr 2025

Working With Your Adviser changed how I sit in meetings with my agent. I used to nod along and sign what was put in front of me. After three months with Santhiya I actually read the documents, ask about cost disclosure, and I declined one recommendation that I did not think suited my situation. My agent was fine with it. I wish I had done this ten years ago.

Working With Your Adviser

NA

Norzaini Abdullah

Cheras · Mar 2025

I attended Slow Money Conversations first, then Investment Foundations the following term. The two programmes complement each other in a way I did not expect. The first one helped me sort out my thinking about what money is actually for at this stage of life. The second gave me the vocabulary to act on that thinking. I am already thinking about the adviser programme next.

Both Programmes

LC

Lim Chee Seng

Bangsar · Apr 2025

Investment Foundations was solid. The bilingual materials helped — there are terms that are easier for me to process in Bahasa and the facilitators switch naturally without making it a big deal. What I appreciated most was that nobody was trying to push us in any direction. The whole point was that we should be able to make our own informed decisions, and I think I can do that more confidently now.

Personal Investment Foundations

SM

Suriani Mokhtar

Kuala Lumpur · Mar 2025

I was worried that the conversations would stay superficial — that people would not want to talk about real numbers or real fears. That was not the case. By week two the group was discussing actual situations openly. It helped that Ahmad holds the space well. Nothing is brushed aside, and nobody is made to feel that their concern is too basic.

Slow Money Conversations

Participant Journeys

Two situations, in detail

KJ

Krishnamoorthy Jeyaraj

44, secondary school teacher · Klang Valley

Personal Investment Foundations · 9 weeks

The Situation

Krishnamoorthy had been contributing to EPF for twenty years but could not explain what his actual balance meant in terms of retirement income. He had invested in a unit trust some years earlier based on a bank recommendation but had not looked at it since. He wanted to understand what he had, not be guided toward something new.

What the Programme Did

Over nine weeks he worked through asset class basics, learned how to read his EPF annual statement in terms of projected drawdown, and reviewed the key facts sheet of his existing unit trust for the first time. The bilingual materials made the EPF-specific terminology easier to work with.

What Changed

He could describe his financial position clearly for the first time. He chose to adjust his existing fund allocation independently and, in his words, "stopped feeling like the accounts were someone else's problem." No new products were purchased during or after the programme.

"The programme did not tell me what to do. It gave me what I needed to decide for myself."

FZ

Faridah Zainudin

51, HR manager · Kuala Lumpur

Slow Money Conversations, then Working With Your Adviser

The Situation

Faridah had a long-standing relationship with a financial adviser but felt she was always the less informed party in those meetings. At the same time, she was managing financial transfers to her retired parents and helping a son through university. She described feeling financially stretched and strategically unclear.

What the Programmes Did

Slow Money Conversations helped her separate which financial pressures were immediate and which were structural. Working With Your Adviser gave her the vocabulary to ask better questions in her annual review — including requesting a written fee disclosure she had never seen before.

What Changed

She started her next adviser meeting with a prepared list of questions and requested documentation she had not previously asked for. The meeting ran longer than usual. She found it more useful than any previous one. She also reorganised her parents' transfer schedule in a way that reduced her own cash-flow pressure each month.

"I walked into that adviser meeting differently. I am not sure I can explain it better than that — I just felt like a more equal party in the conversation."

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