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We are back at out branch office starting 3 Jan 2023| AKPK Pulau Pinang, AKPK Johor Bahru, AKPK Kuching

Updates as at 30 December 2022. Subject to amendments and further information.

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Individuals
SME
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A Beautiful Life
Is All About Peace of Mind

Chart Your Financial Journey for Peace of Mind.
You Are Now at the Right Place to Begin!
 

Financial Education

We provide financial education modules, materials and tips on proper use of credit and money management for individuals and SMEs to create a better tomorrow.

 
 

Understanding the Four Stages of Life

When providing financial advice, we discuss your current stage of life and provide recommendations that suit you best.

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Planning for Financial Freedom

Knowing how much you spend or how much you save is equally important. Get some useful tips to rebalance your funds, make better choices and minimise risks.

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Understanding the Four Life Stages
Planning for
Financial Freedom

Understanding the Four Life Stages

When providing financial advice, we discuss your current life stage and provide recommendations that suit you best.

Read More

Planning for Financial Freedom

Knowing how much you spend or how much you save is equally important. Get some useful tips to rebalance your funds, make better choices and minimise risks.

Read More
 

Financial Advisory

We provide sound financial advice on managing your finances wisely—from budgeting to money management and credit-related issues.

 
 

FINANCIAL
PLANNING

 

BUDGETING

 

SAVINGS

 

PROTECTION

 

BANKING FACILITIES

Financial Advisory

We offer counselling and advice on managing your finances wisely – from budgeting to money management and credit-related issues.

 

FINANCIAL
PLANNING

 

BUDGETING

 

SAVINGS

 

PROTECTION

 

BANKING FACILITIES

Learn How to Improve Your
Credit Score

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Speak to Our Professional Financial Advisor

Book an Appointment
 

Debt Management

AKPK is your reliable financial partner to help you take control of your financial situation. Debts can limit your financial choices. Seek help early.

 
 

Debt Management Programme

Having problems in paying your instalments? Stressed out with your monthly payments? Fret not!
DMP is here to assist you.

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Factors that Contribute to Over-Indebtedness

You may be heading to a potential financial difficulty unknowingly. Learn how you can take control.

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Self-Help Debt Relief Guide

Discover how you can self-manage and take control of your financial situation.

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Debt Management Programme

 

Factors that Contribute to Over-Indebtedness

 

Self-Help Debt Relief Guide

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Posted on Feb 17, 2023

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Posted on Feb 17, 2023

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Posted on Dec 30, 2022

We are back at out branch office starting 3 Jan 2023| AKPK Pulau Pinang, AKPK Johor Bahru, AKPK Kuching

Category: Notices

Updates as at 30 December 2022. Subject to amendments and further information.

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Posted on Dec 30, 2022

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Tertiary


The world we live in is increasingly complex, especially for the youths, and they will eventually need to take charge of their future and finances. Financial education in the tertiary stage is for those between the ages of 18 to 25 currently pursuing post-secondary education. Providing them with the appropriate financial know-how at this point will build up their competence in dealing with future financial decisions. This module focuses on cash flow management, the importance of savings and setting up a budget, internet banking and other appropriate topics for university and college students.

Entering Workforce


This stage comprises those between the ages of 20 to 30, i.e. mainly those who are just starting out in life. Financial education is essential to this age group as they learn to be independent in most matters especially financial management. In their minds, a car is a want rather than a need, and normally sits at the top of their list of things to acquire. Our Entering Workforce module focuses on understanding the fundamentals of borrowing and the importance of borrowing productively to encourage positive net worth. Financial education at this stage is also aimed at inculcating the habit of managing debts wisely. The module also introduces the fundamentals of investments and the importance of insurance for a better tomorrow.

Starting and Raising a Family

The module for the next life stage is for those who are starting and raising a family. People in this category are approaching that time in their life when they will normally experience important and meaningful life’s milestones: marriage, children and a new home. Designed for those between 30 to 40 years of age, this module will focus on settling unproductive loans while reducing debt commitments as they prepare for retirement. Emphasis will again be placed on the importance of planning for and protecting against uncertainties by talking about the types of financial tools available. They will learn the various types of insurance policies and be able to decide on the best coverage based on their affordability for their precious family. Education will also be given on the appropriate investments that will provide passive income for a better tomorrow.

Retirement

The transition from working to retiring involves many tough decisions regarding income and lifestyle needs and whether one plans to ease into retirement or otherwise, while considering factors such as wealth management, whether a pension is enjoyed, and EPF balances. These are big decisions with long-term impact on their financial well-being during retirement. To make the best choices, they require sufficient knowledge and intense awareness of how they want to live through their retirement years. Therefore, our pre-retirement module will prepare them for retirement by teaching them the proper use of their investments and review of their portfolio while servicing their insurance policies and settling unproductive debts to improve their net worth positively.



Post – Retirement

You have retired. How would you manage your money now? Considering that the average life expectancy in Malaysia has improved, it is more important now than ever to ensure that you have the financial resources to live a comfortable and happy lifestyle—particularly if you are looking forward to retiring with peace of mind. Taking care of your wealth and making it last are important at this stage. Financial literacy and education is a continuous life lesson that does not end at retirement. Now, more than ever, you need to manage your finances wisely and plan for the unexpected. Our post-retirement module is focused on those who are currently transitioning into retirement or are in the early stages of retirement.

Youth
Early Adulthood
Adult – Middle Adulthood
Elderly