| |
| Module 1: |
Why do people need to invest? |
-
The Effects of Inflation
-
Major inflation factors affecting the individual investor
-
The Power of Compounding
-
The Effects of Inflation vs. Capital Erosion
-
The Effects of Inflation vs. Capital Growth
-
Simple vs Compounded Interest (illustrated)
-
Compounded Value vs. Discounted Value (illustrated)
-
Computation of Yield or Interest Rate (for Business, etc.)
-
Power of Compounding (with lump sum annual investment)
-
The Power of Compounding 3 - percentage growth, Rule of 72
-
Types of Investment Products
-
The Basics of Bonds
-
Types of Risks in investing
-
How to read the Prospectus
|
| |
| Module 2: |
Don't Rent your money, Invest for More! |
-
Comparisons of Different Returns for Different Investments
-
The Risk-Return Relationship (different investments, different returns)
-
The Risk-Return Relationship (different funds, different returns)
-
The Risk-Return Relationship (similar risks, different returns)
-
Rule of 72 illustrated by chart
-
Regular Savings Plan (initial investment + monthly savings)
-
Regular Savings Plan (20 years)
-
Regular Savings (20 years) + Increase in Mthly Inv.
-
Regular Savings Plan (Unit Trust vs. Savings Account)
-
Regular Income Plan 1
-
Regular Income Plan 2
-
Asset Allocation (Live illustration of a simple portfolio)
-
Asset Allocation 2 - Can you beat your own inflation?
-
Asset Allocation 3- Maintaining your risk profile?
|
| |
| Module 3: |
How to maximise your returns using EPF funds |
-
How to calculate EPF Account 1, 2 and 3
-
How to calculate EPF Account 2, 3 and Total
-
How to calculate Account 1 from amount invested
-
EPF Balance (when will you become a millionnaire?)
-
Housing Account (Acc 2) can now be used for education.
-
Housing Account (Acc 2) can now be used for PC
-
KWSP Dividend History 1952 - 2004
-
KWSP Investment Portfolio in 1999 and 2000
-
KWSP Investment Portfolio in 2001
-
KWSP Investment Portfolio in 2002
-
Relationship between KWSP Dividends, KLCI & Unit Trusts
-
Comparisons between EPF Dividends & FD Rates
|
| |
| Module 4: |
The Relationship between Unit Trusts and the Stock Market |
-
Why invest in Unit Trusts?
-
What drive unit trust prices up or down?
-
What is a Portfolio? Who decide on what to invest?
-
When should an investor buy or sell?
-
Market Timing- "Time In" or "Timing"
-
Illustrating the Investment Concept of Unit Trust vs. KLCI
-
Unit Trust Profit Calculation made simple
-
% drop is not the same as % rise (multiple of 5%)
-
% drop is not the same as % rise (multiple of 1%)
-
Under what circumstances should you sell your investments?
|
| |
| Module 5: |
Dollar Cost Averaging |
-
Dollar Cost Averaging- Downtrend (Live Illustration)
-
Dollar Cost Averaging- Down and Up (Live Illustration)
-
Dollar Cost Averaging- Uptrend (Live Illustration)
-
Dollar Cost Averaging- Uptrend (Your Worksheet)
-
Dollar Cost Averaging- Flow Chart for EPF investment
-
Dollar Cost Averaging (when the market is down)
-
Dollar Cost Averaging by investing at the Start of the month
-
Dollar Cost Averaging by investing at the Middle of the month
-
Dollar Cost Averaging by investing at the End of the month
-
Comparison between Dollar Cost Averaging and Value Cost Investing
|
| |
| Module 6: |
Dividends and Unit Splits |
-
Which is better? Buy "cum" or "ex"
-
Dividends - (reinvested) -net result on Market Value?
-
Dividends - (taken out) -net result on Market Value?
-
Unit Split - what is the net result on Market Value?
-
Is Income Distribution better than Growth?
|
| |
| Module 7: |
Child Education Planning |
-
Why is Child Education Planning important?
-
Let your Money Grow together with your child
-
Future Costs of Child Education (local and overseas)
-
Child Education - Most Preferred Country
-
Child Education - Reaching Education Target
|
| |
| Module 8: |
Retirement Planning |
-
Why is there a need to plan for retirement?
-
Important Factors to consider when retiring
-
Lesson from the EPF experience
-
Retirement Planning (illustration 1)
-
Retirement Planning (illustration 2)
-
Present Value of a Future Retirement Sum
-
Different Returns for Different Investments
-
Regular Income Plan 1C
|
| |
| Module 9: |
How to market financial products or services effectively |
-
Difference between a Product and Service
-
Difference between Selling and Marketing
-
Marketing Concepts - The Old vs. The New
-
Marketing Tips for Success
-
The Laws of Marketing
-
Marketing Tips to stay Motivated
-
The 2 Horse Race (You don't make money on the No. 3 spot)
|
| |
| Module 10: |
Understanding Economic Indicators |
-
What are the major factors that influence the Stock Exchange performance?
-
What is M1, M2 or M3 or Money Supply?
-
Fixed Deposit Rates from 1987 to 2005
-
What is Gross Domestic Product (GDP)
-
Malaysia's 18 years' GDP Growth rate
-
Malaysia GDP Growth Momentum (Quarterly) 1997 - 2001
-
Malaysia's Trade Surplus (REVISED 15 NOV 2002)
-
New Economic Indicators effective 2001
-
Phases of an Economic Cycle (The Malaysian Experience)
-
Impact of US 911 on the Malaysian Market
|
| |
| Module 11: |
Understanding Basic Accounting |
-
Accounting Ratios you should know
-
What is Absolute and Relative Return?
-
What you should know about Beta ratios
-
How to read a Profit & Loss Account and Balance Sheet
-
How to read your Interim and Final Reports
-
How to read and understand the stock prices in the STAR or BT
-
How does Warrants, TSRs and ICULS work?
|
| |
| Module 12: |
Corporate Investments |
-
Difference between Personal and Corporate Investment
-
Who makes the decision? Personal vs. the Board of Directors
-
What are the important factors to consider and why?
-
Tax and Risks considerations
-
Conducting the Facts Find
-
Preparing the Proposal
-
What are the documents to use
-
Using Current Affairs and Economic Indicators
-
Submitting the Proposal only after a presentation
|
| |
| Module 13: |
Investment Tracking and Review |
-
Tracking the Investment
-
Keeping Clients informed of any drastic change in market conditions
-
Doing a Review; and the need to study the portfolio
-
Study the changing needs of the client
-
Providing a solution after the review
-
Discuss the review with the client before implementation
|
| |
| Module 14: |
Business Planning |
-
Budgeting and Sales Planning
-
Fact Find and using assumptions
-
Prioritise your objectives
-
Planning your Strategies
-
Applying Sensitivity Analysis
-
Managing your Cash Flow
-
Putting your Master Budget together
|
