PARTICIPANT REVIEWS
What Participants Say, in Their Own Words
These are reflections from Malaysians who have completed a Feldstone course. The accounts are their own — we have not edited for tone.
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PARTICIPANTS
4.7
AVG. RATING
3
SPECIALIST COURSES
4+
YEARS OPERATING
Participant Reviews
Reflections from Feldstone Participants
Chong Li Wei
Petaling Jaya · Retired engineer
The annual reports course changed the way I read the documents sitting in my filing cabinet. I had been a direct shareholder for over twelve years and never once looked at the notes to the accounts properly. The module on related-party disclosures, in particular, made me go back through three years of reports I had ignored. The writing is careful and never condescending.
Annual Reports Course · April 2025
Sunita Ramasamy
Subang Jaya · HR manager
I took the tax-aware saving course mainly to understand EPF better before I started making voluntary contributions. The course covers the relief structure clearly, and I appreciated that it explained the documentation side — what LHDN actually needs versus what I thought it needed. My one wish would be slightly more material on the PRS providers themselves, but that is probably outside the scope intentionally.
Tax-Aware Saving Course · March 2025
Azrul Hakim
Kuala Lumpur · Small business owner
The federal budget course was the starting point for me. Every October I would read the news coverage and feel like I was missing context. After this course, the budget papers themselves are readable. The module on SST was the most useful — I had been operating on misconceptions about how the tax interacts with my business transactions.
Federal Budget Course · April 2025
Wong Yee Lin
Ipoh · Secondary school teacher
I completed both the budget course and the tax-aware saving course, about four months apart. They fit together well — the budget course gave me the system view, and the saving course got practical about what I can actually do within that system. The self-paced format worked for me; I have a demanding schedule and could not have kept up with a weekly cohort.
Both Courses · Feb–Apr 2025
Nadia Krishnan
Shah Alam · Accountant
Some people have asked me why an accountant would take a financial literacy course. The honest answer is that the Feldstone annual reports course taught me things about how non-accountants read company filings that I found genuinely useful. The material on what signals tend to draw a reader's attention — things I take for granted — was a reminder of what needs to be made explicit.
Annual Reports Course · March 2025
Roslan Omar
Johor Bahru · Civil servant
My main hesitation before enrolling was whether the material would be too basic. It wasn't. The budget course in particular goes into the mechanics of how the budget affects household finances in a way that I had not seen laid out systematically before. The glossary is also more thorough than I expected — I found myself returning to it several times in the weeks after finishing the course.
Federal Budget Course · February 2025
Participant Journeys
Three Accounts in Some Detail
Tan Kheng Huat, 54 — Kuala Lumpur
Annual Reports Course
THE SITUATION
Tan had held shares in four Bursa-listed companies for over a decade, accumulated partly through direct purchases and partly through an inheritance. Each year he received annual reports in the post, glanced at the financial highlights page, and filed them. He knew he should be reading more carefully but did not know where to start.
WHAT CHANGED
After completing the course, Tan worked through the most recent annual reports for all four companies. He found that two of them had changes in the audit opinion he had never noticed — one a first-time emphasis of matter paragraph — and that one company had a pattern of related-party transactions he now understood how to read.
HIS REFLECTION
"I'm not making different decisions necessarily. I'm making the same ones with a much clearer understanding of what I'm holding. That feels like something I should have had years ago."
Faridah Zainudin, 47 — Penang
Tax-Aware Saving Course
THE SITUATION
Faridah had been contributing to EPF for over twenty years but had never made a voluntary top-up. She had heard that it might be tax-efficient but did not understand the mechanics, and her tax agent had not explained it clearly to her.
WHAT CHANGED
The course clarified how the EPF voluntary contribution relief interacts with her existing reliefs and what documentation she needed. She went back to her tax agent with specific questions. She also discovered that she had been under-claiming her life insurance relief for three years due to a paperwork misunderstanding.
HER REFLECTION
"The checklist that comes with the course is genuinely useful. I printed it and now I go through it each year before I sit down with my documents. It is a small thing but it has changed my whole approach to filing."
Vincent Ng, 61 — Selangor
Federal Budget Course
THE SITUATION
Vincent was approaching retirement and wanted to understand how the tax system would affect his income once he stopped receiving a monthly salary. He found the official materials confusing and the general financial media coverage of the budget too shallow.
WHAT CHANGED
The budget course gave him a systematic way to read the annual budget speech and the supporting tables. He understood for the first time how the interaction between his EPF withdrawals, any rental income, and the tax assessment would work in practical terms — and where the thresholds sat.
HIS REFLECTION
"I came in knowing very little and left knowing how to find the things I need. It is not a complicated subject once someone explains the structure. Feldstone does that."
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