Learning Concept

Our unique methodology for planning major life goals

We have developed a comprehensive education system that combines financial knowledge, psychological aspects, and practical tools to achieve significant financial goals.

Concept Goal

Our learning concept is aimed at forming a comprehensive approach to achieving significant life goals through conscious financial planning.

Our program participants gain the following key skills and abilities:

Goal Definition and Specification

Ability to transform abstract desires into specific, measurable, achievable, relevant, and time-bound goals (SMART).

Financial Calculations

Ability to calculate necessary amounts considering inflation, determine optimal monthly payments, and predict the timeframe for achieving goals.

Tool Selection for Saving

Knowledge of available financial instruments in Kazakhstan, their advantages, risks, and optimal combinations for various goals and timeframes.

Psychological Readiness

Formation of stable financial habits, overcoming psychological barriers, and development of long-term thinking.

Methodology

Our methodology is based on a step-by-step algorithm for creating a personal financial plan adapted to the realities of Kazakhstan. Each stage is carefully developed and supported by practical tools.

Stage Description Tools
1. Goal Assessment Specification of the goal, determining its cost considering inflation and time perspective Inflation calculator, SMART-goal matrix, average price database
2. Financial Opportunity Analysis Detailed analysis of income, expenses, assets, and liabilities, determining savings potential Budget template, expense optimization methodology, priority matrix
3. Saving Tool Selection Selection of the optimal combination of financial instruments considering timeframe, risk, and return Tool comparison table, compound interest calculator, diversification matrix
4. Timeframe and Payment Calculation Determining the optimal monthly payment and predicting the timeframe for achieving the goal Financial calculators, forecasting models, scenario analysis
5. Control System Creation Development of mechanisms for tracking progress and timely plan adjustment Progress trackers, control points, notification system
6. Psychological Preparation Formation of stable financial habits and overcoming psychological barriers Visualization techniques, reward system, group support

Localization for Kazakhstan

Our methodology is fully adapted to the economic, legal, and cultural characteristics of Kazakhstan:

Economic Factors

  • Accounting for local inflation level (7-8% on average)
  • Analysis of real estate price dynamics in various regions of Kazakhstan
  • Monitoring the cost of education in local and foreign universities
  • Tracking changes in the car market

Financial Instruments

  • Working with Tenge and foreign currency deposits of Kazakhstani banks
  • Using the housing construction savings system
  • Investing in Kazakhstani government securities
  • Access to pension savings for housing purchase

Tax Planning

  • Accounting for tax benefits when buying the first home
  • Tax optimization when starting a business
  • Using tax deductions for education and medicine
  • Planning considering changes in tax legislation

Government Programs

  • Integration of state programs supporting housing construction
  • Using support programs for young families
  • Participation in development programs for small and medium-sized businesses
  • Access to educational grants and scholarships

We constantly update our information base using data from official sources:

  • National Bank of the Republic of Kazakhstan
  • Bureau of National Statistics of the Agency for Strategic Planning and Reforms
  • Ministry of Finance of the Republic of Kazakhstan
  • Analytical reports of leading banks and financial institutions in Kazakhstan

Examples of Training Cases

Our training is based on practical cases reflecting real-life situations:

Case 1: Saving for the First Home

Initial Data:

  • Family of two, 27 and 29 years old
  • Total income: 450,000 ₸ per month
  • Current savings: 2,000,000 ₸
  • Goal: two-bedroom apartment in a new building in Kostanay
  • Current cost: 18,000,000 ₸
  • Assumed real estate price growth: 8% per year

Calculation:

  1. Budget analysis: ability to save 135,000 ₸ per month (30% of income)
  2. Apartment cost in 4 years considering price growth: 24,400,000 ₸
  3. Required down payment (30%): 7,320,000 ₸
  4. Distribution of savings:
    • 70% into the housing construction savings system (base rate + state premium)
    • 30% into a foreign currency deposit (hedging currency risks)
  5. Expected amount in 4 years: 8,500,000 ₸
  6. Mortgage loan for the remaining amount: 15,900,000 ₸
  7. Monthly mortgage payment: approximately 140,000 ₸ (at 10% interest for 15 years)
Housing purchase planning

Case 2: Starting a Small Business

Initial Data:

  • Entrepreneur, 32 years old
  • Current income: 380,000 ₸ per month
  • Current savings: 1,500,000 ₸
  • Goal: opening a coffee shop in Kostanay
  • Required startup capital: 9,000,000 ₸

Calculation:

  1. Budget analysis: ability to save 95,000 ₸ per month (25% of income)
  2. Startup capital breakdown:
    • Rent and renovation of premises: 3,500,000 ₸
    • Equipment: 2,800,000 ₸
    • Initial stock: 700,000 ₸
    • Working capital for 3 months: 2,000,000 ₸
  3. Savings distribution:
    • 60% into a deposit (9-10% per annum)
    • 40% into government bonds (11% per annum)
  4. Participation in the state program for SME support "Business Road Map 2025" (interest rate subsidization)
  5. Expected time to accumulate the full amount: 6 years 4 months
  6. Accelerated option: accumulating 50% of the amount (4,500,000 ₸) in 3 years + obtaining a preferential loan under the state program for the remaining amount
Business planning

Case 3: Education Abroad

Initial Data:

  • Parents planning education for a 10-year-old child
  • Family total income: 520,000 ₸ per month
  • Current education savings: 1,000,000 ₸
  • Goal: bachelor's degree in Europe in 8 years
  • Approximate cost: 40,000 € (tuition) + 30,000 € (living) for 4 years
  • Current exchange rate: 1 € = 500 ₸

Calculation:

  1. Total required amount: 70,000 € = 35,000,000 ₸ (at current exchange rate)
  2. Considering possible exchange rate change (+15%): 40,250,000 ₸
  3. Budget analysis: ability to save 104,000 ₸ per month (20% of income)
  4. Savings distribution:
    • 50% into a foreign currency deposit in euros (3-4% per annum)
    • 30% into a Tenge deposit (9-10% per annum)
    • 20% into a conservative investment portfolio (7-9% per annum)
  5. Additional sources:
    • Preparation for language exams to get a tuition discount
    • Research scholarship programs and grants
    • Consideration of educational programs with part-time employment
  6. Projected savings in 8 years: 14,500,000 ₸ (about 36% of the required amount)
  7. Recommendations:
    • Increase monthly contributions to 156,000 ₸ (30% of income)
    • Search for additional sources of income
    • Consider alternative educational programs (countries with free education or partial scholarships)
Education planning

Course Formats and Duration

We offer a flexible modular learning structure, allowing you to choose the optimal format depending on your goals and capabilities:

Basic Course

  • Duration: 4 weeks (8 sessions)
  • Format: 2 sessions per week, 2 hours each
  • Content: Basics of financial planning, goal setting, basic saving tools
  • Result: Basic financial plan for one selected goal

Full Course

  • Duration: 12 weeks (24 sessions)
  • Format: 2 sessions per week, 2 hours each
  • Content: In-depth study of all modules, expanded set of tools, psychology of finance
  • Result: Comprehensive financial plan with multiple goals and a detailed strategy

Intensive Course

  • Duration: 2 weeks (10 sessions)
  • Format: Daily sessions, 2-3 hours each
  • Content: Concentrated program with a focus on practical application
  • Result: Quick creation of a financial plan with core elements

Individual Coaching

  • Duration: 3-6 months
  • Format: 2-4 personal consultations per month
  • Content: Personalized program considering individual circumstances and goals
  • Result: Detailed financial plan with regular adjustments and support

Start your journey to your financial goal today

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Contents

Upcoming Courses

Basic Course

Start: December 15, 2025

Format: evening sessions, Tue/Thu

Intensive Course

Start: January 10, 2026

Format: daily, morning sessions

Full Course

Start: February 1, 2026

Format: evening sessions, Mon/Wed

Go to Modules