Skip to main content

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.


You’re Now at

AKPK's One Stop Portal


AKPK Your Reliable Financial Partner

AKPK Financial Advisory is a customised service that assists individuals and SMEs in managing their cash flow. It is aimed at giving customers a better understanding of financial market products such as financial planning, wealth management, will writing, financial products, insurance & takaful, investments and tailored financial planning.

With AKPK Financial Advisory service, customers will understand sound financial principles, identify the process of overcoming financial indebtedness, realign their ineffective money management behaviours, and come up with successful strategies in achieving their financial goals.

View Advisory Topics

Financial Planning

A financial plan is a comprehensive plan of an individual’s current finances, financial goals and any strategies to be taken to achieve those financial goals. Good financial planning should include details about cash flow management, savings, debt management, investments, and insurance.

Financial planning is an ongoing process that will reduce your anxiety about financial matters, support your current needs and assist you to create a nest egg for long-term goals, like retirement.

Financial planning is important because it allows you to maximise the return and growth on your assets to help you achieve your future goals.

Find Out Who Can Seek Advice


Budgeting is the process of creating a plan to manage your cash flow. The budget will assist you in making prudent financial decisions by determining in advance whether you will have enough funds to achieve your goals and objectives.

Budgeting helps keep your finances on track. The recommended percentages spent on each category of expenses are as follows:

  • Maximum 40% - monthly instalment on debts
  • Maximum 50% - household expenses
  • Minimum 10% - savings
Cash flow management is part of the budgeting process to monitor, analyse and adjust your personal cash flow. An individual’s income or cash inflows may consist of:
  • Active income with examples like salary and profits from businesses
  • Passive income with examples like dividends, rentals, royalties, etc.
There are three (3) types of expenses or cash outflow:
  • Fixed expenses – examples include housing loans, hire purchase instalments, rental payments, insurance/takaful premiums, etc.
  • Variable expenses – examples include food, clothing, utilities, etc.
  • Discretionary expenses – examples include clothing & accessories, dining out, vacation, etc.

Find Out Who Can Seek Advice



Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company.
Importance of Insurance:

  1. To protect you and your family
  2. To reduce stress or anxiety during unforeseen circumstances
  3. To enjoy financial security
  4. To have peace of mind
  5. To have a legacy to leave behind for the individual’s family

Find Out Who Can Seek Advice


Banking Facilities and Services

Refers to any service or facility extended to the Public by Banking Product Provider which includes a deposit account such as a Savings account, Current account, Foreign Currency account, Gold Investment account, or other cash management services through mobile or online banking, and card services, which including credit cards, merchant services processing, and debit card services.


Loan/Financing Products

Sum of money(ies) that one or more individuals or company(ies) borrow and incur debt and to be repaid with interest within a specific duration of time. Islamic financing refers to how individuals (s) or company(ies) manage money and raise funds according to the Shariah principles.

Find Out Who Can Seek Advice



Savings refers to the net surplus funds that an individual or household has after subtracting out their spending to meet expenses and obligations from their disposable income over a given time period.
Importance of Savings:  

  1. To build up emergency funds for unforeseen circumstances
  2. To build up and protect assets against inflation, enhance return, and achieve short-term or long-term objectives depending on stages of life
  3. To pay off debt
  4. To save for retirement funds
  5. To meet any future needs and wants

Find Out Who Can Seek Advice



Discover More

Small & Medium
as well as

Discover More

Financial Advisory Schedule

The service is available at all AKPK branches nationwide from 9.00 a.m. to 4.30 p.m. Please note that we are closed on public holidays.

All AKPK Branches (except Kota Bharu & Kuala Terengganu)
Monday to Friday
9 a.m. - 4:30 p.m.
Kota Bharu & Kuala Terengganu
Sunday to Thursday
9 a.m. - 4:30 p.m.
All AKPK Branches
Monday to Friday

9a.m. - 4:30p.m.
Kota Bharu & Kuala Terengganu
Sunday to Thursday

9a.m. - 4:30p.m.




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.


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.

Early Adulthood
Adult – Middle Adulthood