I. Understanding Securities Markets and Performance

  • Know the working of equity markets
  • Understand key equity market indicators
  • Know the risk and return from equity investing
  • Learn about the various tools and options in equity investing – direct, IPOs, Mutual funds and PMS
  • Know the working of debt markets
  • Understand debt market analytics and indicators
  • Understand risk and return in debt investing
  • Learn about the various debt products – saving schemes, bonds, deposits and debt mutual funds.
  • Understand derivative markets, products and strategies
  • Understand how derivatives can be used to hedge
  • Know the interpretation of derivative indicators
  • Understand the structure of Foreign Exchange Market; difference between spot and forward exchange rates; settlement periods; effect of interest rates
  • Know calculation of forward exchange rates using: premiums and discounts; interest rate parity

 II. Knowing Operational Aspects of financial transactions

  • Know Investor types and the acquisition process
  • Learn about PAN, KYC and other processes
  • Know about the processes of Dematerialisation and Rematerialisation
  • Learn about the PoA and other agreements
  • Understand the processes involved for account opening of NR investors
  • Consolidating, reorganising and folio-keeping
  • Understand the process flow in Special situations: minor turns major, NRI to RI and RI to NRI
  • Know the Operational aspects related to joint accounts, lien, nomination, transmission
  • Learn about the documentation required for financial advice

 III. Personal Financial Planning

  • Learn about the computation and interpretation of personal finance ratios
  • Understand cash flow analysis and determine surplus
  • Understand Budgetary mechanism for households
  • Understand contingency planning
  • Understand about the estimation of financial goals

 IV. Comprehensive Financial Planning

  • Understanding Leverage and debt counselling
  • Understand Interpretation of liquidity, investment and long-term needs
  • Learn about Prioritising and Financing the financial goals
  • Learn about Risk profiling and processes in financial planning
  • Know about evaluating insurance needs for life and general insurance
  • Know about evaluating choices in retirement planning
  • Understand about the preparation and interpretation of comprehensive financial planning solutions for the household

V. Product analysis and selection

  • Understanding risk, return and portfolio construction principles
  • Learn about Return targets, risk profile and optimisation
  • Understand the impact of market cycles on asset allocation and product selection
  • Know about evaluation and selection of equity funds, debt funds and other funds
  • Learn about portfolio performance and evaluate the investment alternatives
  • Understand the evaluation of mutual fund portfolios for revisions and rebalancing
  • Understand and Interpret the impact of elements of macroeconomic policies on asset allocation
  • Understand behavioural biases in decision making and portfolio management

 VI. Regulatory and Compliance Aspects

  • Understand Disclosure requirements
  • Understand compliances related to transactions
  • Learn about document costing, taxation and procedures
  • Understand Regulation relating to insurance, pension and investment products
  • Understand Investor queries, grievance redressal, and service elements

 VII. Case studies in Comprehensive Financial Advice

  • Understand practical aspects of providing financial advice through case studies