OUR APPROACH
How Pensara designs its programmes
Every programme starts with the document itself — the actual statement format in use, the field labels as they appear on the page, the sections in the order they are printed. We do not start with concepts and work down to the document. We start with what the participant holds in their hand.
This means working from publicly available source materials. EPF publishes member guides. Scheme trustees publish annual reports. The Malaysian retirement regulatory framework is documented. We build curriculum from those sources, cite them, and update when formats change.
The second design principle is explicit boundary-setting. Each programme contains a written explanation of the difference between understanding what a document says and deciding what to do about it. The first is what Pensara does. The second requires a qualified professional.
This is not a legal disclaimer in fine print. It is an active part of the curriculum — taught, discussed, and included in written materials so participants are clear about what they have received and what they still need to seek.
SOLUTION 01 · OPEN WORKSHOP
Reading Your Scheme Statement
A two-and-a-half hour facilitated session on how a typical retirement scheme statement is laid out, what each published field ordinarily records, and which fields a person should keep their own parallel record of. Written for anyone who has received statements for years without reading them closely.
WHAT IS INCLUDED
- Annotated sample statement built from published EPF templates
- Personal records worksheet to track year-on-year figures
- Glossary sheet explaining common field labels and acronyms
- Written question list organised by type of qualified professional
FORMAT & SCHEDULE
DURATION
2.5 hours
GROUP SIZE
8 – 12 participants
FREQUENCY
Monthly (Saturday mornings)
DELIVERY
In person, George Town
FEE PER PERSON
RM 510
SOLUTION 02 · PRIVATE COACHING
Retirement Documentation Coaching for Families
A private five-session engagement in which a household is coached through assembling, indexing and safely storing its retirement-related records, including employment history, contribution records and correspondence. Suited to families supporting an older relative who prefers not to attend group sessions.
WHAT IS INCLUDED
- Personalised filing structure the family designs in session one
- Digitisation and backup guidance (principles, not specific products)
- Correspondence log template for tracking institution communications
- Session on writing clear letters to scheme administrators
- Written summary of unresolved questions for a qualified professional
FORMAT & SCHEDULE
SESSIONS
5 × 90 minutes
ATTENDEES
Household (up to 4)
SCHEDULING
Agreed with family
DELIVERY
In person or online
TOTAL FEE
RM 1,950
SOLUTION 03 · COMMISSIONED PROGRAMME
Institutional Retirement Information Programme
A commissioned programme for unions, cooperatives, professional associations and employers who wish to run their own member education on retirement documentation without touching regulated activity. Runs across four to six months, fully designed around publicly available materials, with a governance note that defines the boundary between general information and regulated practice.
WHAT IS INCLUDED
- Written curriculum built from publicly available regulatory materials
- Twelve prepared session decks in English and Bahasa Malaysia
- Train-the-facilitator series across three days
- Governance note for compliance file defining advice boundary
- Member-facing records workbook licensed to the organisation
- One closing review after the first member cohort completes the programme
FORMAT & TIMELINE
DURATION
4 – 6 months
LANGUAGES
English & Bahasa Malaysia
SUITABLE FOR
Unions, cooperatives, employers
DELIVERY
On-site at your premises
PROGRAMME FEE
RM 4,650
WHICH PROGRAMME IS RIGHT?
Programme comparison
| WORKSHOP | FAMILY COACHING | INSTITUTIONAL | |
|---|---|---|---|
| Best for | Individuals | Households | Organisations |
| Statement literacy | |||
| Personal records worksheet | |||
| Household filing structure | — | — | |
| Digitisation guidance | — | — | |
| Facilitator training | — | — | |
| Governance note | — | — | |
| Fee | RM 510 | RM 1,950 | RM 4,650 |
ACROSS ALL PROGRAMMES
Standards that apply to every engagement
Published sources only
All curriculum materials are drawn from documents in the public domain. No proprietary data, no assumptions about individual circumstances.
Reviewed annually
Content is checked each January against any changes to EPF statement formats, regulatory guidance or scheme trustee publications.
Confidentiality assured
Participant personal and financial details are not requested in open workshops. Family coaching documents are covered by a written confidentiality agreement.
Referral list included
Every programme ends with a written list of the categories of qualified professional appropriate to the types of questions that commonly arise during the session.
NEXT STEP
Tell us what you need to understand.
We will suggest the right format and, if the institutional programme is relevant, prepare a brief proposal for your review. No obligation involved.
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