George Town, Penang — Est. 2014

A Measured Approach
to Your Financial Picture

Bicara Wira offers small-group financial education for those who want to understand their position clearly and move forward at their own pace — without noise, without pressure.

Enquire About Programmes View Programmes

+60 4-227 5816

[email protected]

Small Groups · Max 15

Programmes

Three Pathways. One Direction.

Each programme is designed around a specific stage of financial life — chosen so that participants share a common starting point and can proceed together without one outpacing another.

Programme I

Charting the Present

A four-week introductory programme. Participants produce a single written chart of their financial position — accounts, balances, commitments arranged on one page. Small group, one facilitator, weekly written summaries.

Four weekly sessions
One facilitator throughout
Written summaries each week

RM 690 Enquire

Programme II

Considered Investing Foundations

A nine-week course for first-time investors at this stage of life. Covers asset classes, EPF, locally available unit trusts and ETFs, and reading fund cost disclosures honestly. Class capped at fifteen participants.

Nine-week structured course
Ringgit & foreign-currency context
Reading per module included

RM 2,180 Enquire

Programme III

Pre-Retirement Pathway Programme

A five-month mentor-led engagement for those five to ten years from retirement. Covers EPF strategy, supplementary savings, insurance review, healthcare provisioning and withdrawal sequencing.

Five-month mentor engagement
Monthly private sessions
Written closing summary

RM 2,580 Enquire

Why Bicara Wira

What Sets This Work Apart

Small Group Format

Every programme is capped. Nobody speaks to a room of strangers. The format allows for questions that actually matter to the people present.

Written Summaries

Each session produces a written record for the participant — material meant to be returned to, not discarded after the final class.

Malaysian Context

Content is grounded in Malaysian instruments — EPF, unit trusts, local ETFs, Bank Negara regulated products — not abstracted international examples.

Unhurried Pace

Programmes are deliberately paced. There is no pressure to absorb everything at once. The schedule assumes participants have a working life alongside the course.

No Product Sales

Bicara Wira does not sell financial products. The programmes are fee-based education only — no commission interest attached to any recommendation in class.

George Town, Penang

Sessions are held at our own premises in George Town. A fixed, familiar location matters when attending over multiple weeks or months.

Next Intake

Would you like to know more
before committing?

Write or call. There is no obligation attached to an initial enquiry. We will answer your questions plainly and let you decide in your own time.

Send an Enquiry +60 4-227 5816

Questions

Frequently Asked

Who are these programmes designed for? +

Primarily for those in their forties and above who have not had formal exposure to financial planning and who want to understand their position clearly. No prior investment knowledge is required. Participants need only bring their own financial situation and a willingness to examine it steadily.

Are the sessions conducted in English or Bahasa Malaysia? +

Sessions are conducted in English. Written summaries and materials are prepared in English. Participants who prefer to ask questions or discuss in Bahasa Malaysia are welcome to do so — the facilitators are comfortable with both.

How many people are in each group? +

The Considered Investing Foundations programme is capped at fifteen. Charting the Present runs in cohorts of six to eight. The Pre-Retirement Pathway Programme is a single-track mentor-led engagement with limited availability each year.

Where do sessions take place? +

All sessions are held at our premises at 65 Jalan Sultan Ahmad Shah, George Town, Penang. We do not offer online formats at present. Attending in person is part of how the sessions work.

What is the fee and how is payment arranged? +

Charting the Present is RM 690, Considered Investing Foundations is RM 2,180 and the Pre-Retirement Pathway Programme is RM 2,580. Payment details are confirmed at the time of enrolment. Fees cover all materials and written summaries; there are no additional costs within the programme.

Will I receive specific investment advice? +

No. Bicara Wira provides financial education — not personalised financial advice or investment recommendations. The programmes build understanding and equip participants to make their own considered decisions. We do not hold a licence to provide personal financial advice and do not offer it.

When does the next intake begin? +

Intakes vary by programme. The best way to find out about upcoming dates is to send an enquiry. We respond to all enquiries within two working days with current availability and forthcoming schedule.

Location

Our Premises in George Town

65 Jalan Sultan Ahmad Shah, 10050 George Town, Penang

Contact

Send an Enquiry

How to Reach Us

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