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QPFP Curriculum

A comprehensive, practice- oriented learning path that equips personal finance professionals with real-world knowledge, tools and frameworks to serve clients better and grow their career with confidence.

Level 1 - Personal Finance Foundations

Level 1 lays the groundwork for building a strong understanding of the personal finance profession. You'll explore the opportunities, challenges, and mindset shifts needed to succeed as a PFP. It introduces you to key concepts from understanding the profession and client psychology to setting up ethical and goal - oriented practices.

Topic 1

PFP Profession - Clarity & Opportunities

  • Introduction to PFP Profession
  • Market Potential for PFPs
  • Earning Potential for PFPs
  • Career Path of a PFPs

ProTool: PFP Capability Analyzer

Topic 2

PFP Career Growth Blueprint

  • PFP Models & Options
  • PFP Top Aspirations and Obstacles
  • Strategies To Achieve Your Dream Practice / Career
  • Human Financial Advisors
  • Nine Step Blueprint For Financial Advisory Practice

ProTool: PFP Capability Analyzer

Topic 3

Ethics, Responsibilities & Client First Approach

  • PFP responsibilities towards Clients
  • Client First Approach & Ethics
  • Building Trust with Clients
  • Ethics @ Heart Oath by PFPs

ProTool: PFP Capability Analyzer

Topic 4

Pillars Personal Finance & Behavioral Finance

  • Income Expenses Statement
  • Net-worth Statement
  • Behavioural Finance - Introduction
  • Major Biases in Behavioural Finance
  • PFP's Role

ProTool: PFP Capability Analyzer

Topic 5

Financial Maths - Time Value of Money - 1

  • Concept of Time value of Money
  • TVM Variables
  • Present Value (PV)
  • Future Value (FV)
  • Rate of Return (RATE)
  • Number of Periods (NPER)
  • Regular Payments (PMT)
  • Type = Begin (1) / End (0)

ProTool: PFP Capability Analyzer

Topic 6

Financial Maths - Rate of Returns - 2

  • Nominal & Effective Rate
  • Absolute & Annualised Returns
  • Tax Adjusted & Real Rate of Returns
  • IRR & XIRR (Internal & Extended Returns)

ProTool: PFP Capability Analyzer

Topic 7

Comprehensive Financial Consultancy Process

  • Understand Clients
  • Analyse Clients Situation
  • Recommend Products & Solutions
  • Execute Recommendations
  • Monitor Recommendations
  • Review Clients Financial Life
  • Client Coaching

ProTool: PFP Capability Analyzer

Topic 8

Industry Regulations and Compliance

  • Why do we need regulations?
  • Securities Market Regulations
  • Regulatory framework in Financial Services
  • Key SEBI regulations for MFDs
  • AMFI guidelines and best practices for MFDs
  • Key SEBI regulations for Investment Advisors

ProTool: PFP Capability Analyzer

Topic 9

Investor Goals & Common Mistakes

  • Why set Financial Goals?
  • Financial Goals Pyramid
  • Financial Life Stages
  • SMART Goal Setting
  • Goal Planning Concepts
  • Common Money Mistakes & Concerns of Investors

ProTool: PFP Capability Analyzer

Topic 10

Macro Economic Impacting Investors

  • What is Macro Economics?
  • Key Indicators for Investors & its impact
  • Importance Functions of RBI
  • Relationship between Macro Economics & Investments

ProTool: PFP Capability Analyzer

Topic 11

Capital Markets And Impact On Investors

  • Understanding Equity Markets
  • Factors Affecting Equity Markets
  • Understanding Debt Markets
  • Fixed Income Markets & Instruments
  • Equity Market v/s Debt Market

ProTool: PFP Capability Analyzer

Topic 12

Asset Classes & Investment Products

  • Introduction to Asset Classes
  • Types of Asset Classes
  • Investment Product with each Asset Class
  • Investment Product with each Asset Class

ProTool: PFP Capability Analyzer

Examination

Level 1 Examination

Level 2 - Personal Finance Solutions & Client Goals

Enable PFPs to deliver comprehensive goal - based solutions for their clients, keeping a client - first approach.

Topic 13

Organizing Financial Life & Debt Management

  • Organizing Financial Information & Documents
  • Protecting Financial Information & Documents
  • Emergency Funding
  • Debt (Loan) Management Strategies

ProTool: PFP Capability Analyzer

Topic 14

Wealth Management & Investment Solutions

  • Goal Based Investment
  • Purpose based Investing
  • Timeline based Investing
  • Frequency of Investments
  • Risk Profile based Investing

ProTool: PFP Capability Analyzer

Topic 15

Health & General Insurance Solutions

  • Wealth Management Pyramid
  • Health Insurance
  • Critical Illness Insurance
  • Personal Accident Insurance
  • Vehicle Insurance
  • Home Insurance
  • Complete Insurance Coverage

ProTool: PFP Capability Analyzer

Topic 16

Life Insurance Solutions

  • Risk Management
  • Life Insurance
  • Why Life Insurance?
  • Method of Calculating Life Insurance Cover
  • Myths and Mistakes around Life Insurance

ProTool: PFP Capability Analyzer

Topic 17

Children's Education & Marriage

  • Client Behaviour & Mistakes in Higher Education Consultancy
  • Importance of Higher Education Consultancy
  • Higher Education - Perspective
  • Step-by-Step Planning for Children's Higher Education
  • Marriage Goal Consultancy
  • PFP's Role

ProTool: PFP Capability Analyzer

Topic 18

House Purchase Consultancy

  • Client Needs & Behaviour
  • Housing Costs in India
  • House Funding
  • Property as an Investment (House 2)
  • Rent V/s Buy Decision

ProTool: PFP Capability Analyzer

Topic 19

Retirement Accumulation Consultancy

  • Client’s Behavior Around Retirement
  • Why Retirement Consultancy?
  • Retirement Corpus – Accumulation Phase
  • F.I.R.E

ProTool: PFP Capability Analyzer

Topic 20

Retirement Distribution Consultancy

  • Objectives & Challenges post-retirement
  • Retirement Monthly Income Generation Strategy
  • Retirement Distribution strategies
  • Retirement Bucket Strategy
  • Suitable Products for Retirement Corpus Management

ProTool: PFP Capability Analyzer

Topic 21

Wills & Succession Consultancy

  • Estate Planning & Importance of it
  • Myths around Estate Planning
  • Different Acts of Succession Planning
  • Will - Components, Format, Do's & Don'ts

ProTool: PFP Capability Analyzer

Topic 22

Income Tax Planning

  • Income Tax Planning
  • Old Tax Regime – Unlocking Deductions
  • New Tax Regime
  • How to choose between Old & New Tax Regime
  • PFP's Role

ProTool: PFP Capability Analyzer

Topic 23

NRI Investments & Consultancy

  • Understanding Residential Status
  • Non- Resident Banking & Repatriation
  • NRI Investments
  • NRI Taxation
  • Non-Resident Insurance Consultancy
  • PFP's Role

ProTool: PFP Capability Analyzer

Topic 24

Asset Allocation Models & Consultancy

  • Asset Allocation & Diversification
  • Asset Allocation Process
  • Asset Allocation Strategies
  • Rebalancing
  • Common Mistakes & PFPs Role

ProTool: PFP Capability Analyzer

Examination

Level 2 Examination

Level 3 - Personal Finance Products & Suitability Ananlysis

Equips PFPs with product - specific expertise and tools to make informed decisions.

Topic 25

Life Insurance Products

  • Terms associated with Life Insurance
  • Types of Life Insurance
  • Riders & MWP Act
  • Taxation of Insurance
  • PFP's Role

ProTool: PFP Capability Analyzer

Topic 26

Health & General Insurance Products

  • Health Insurance Policy
  • Critical Illness Policy
  • Personal Accident Policy
  • Motor Insurance Policy
  • Home Insurance Policy
  • PFP's Role

ProTool: PFP Capability Analyzer

Topic 27

Mutual Funds - Categories & Risks

  • Mutual Fund - Basics
  • Mutual Fund - Categories
  • Risks in Mutual Fund
  • Mutual Fund - Risk-O-Meter
  • Scheme Information Document (SID)

ProTool: PFP Capability Analyzer

Topic 28

Mutual Funds - Plans, Taxation & Costs

  • Mutual Fund - Modes of Investing & Redemption
  • Mutual Fund - Taxation
  • Mutual Fund - Costs
  • Factsheet

ProTool: PFP Capability Analyzer

Topic 29

Real Estate & Gold

  • Investment Options for Real Estate
  • Risk - Return Profile of Real Estate
  • Investment Options for Gold
  • Risk - Return Profile of Gold

ProTool: PFP Capability Analyzer

Topic 30

Employment Benefits & Government Schemes

  • Gratuity & Superannuation Fund
  • Employee Provident Fund (EPF)
  • Employees Deposit Linked Insurance (EDLI)
  • Employees Pension Scheme (EPS)
  • National Pension Scheme (NPS)
  • Unified Pension Scheme (UPS)
  • Public Provident Fund (PPF)
  • Sukanya Samriddhi Yojhana (SSY)
  • Senior Citizens Savings Scheme (SCSS)

ProTool: PFP Capability Analyzer

Topic 31

Evaluation of Debt Mutual Funds

  • Debt MF Evaluation Parameters
  • Risk of Investing in Debt Mutual Fund
  • PFP's Role

ProTool: PFP Capability Analyzer

Topic 32

Other Products - Passive Funds, International Investments, MSB, etc

  • Passive Funds
  • International Investments
  • Managed Stock Baskets (MSB)
  • Other Products

ProTool: PFP Capability Analyzer

Topic 33

Evaluation of Equity Mutual Funds

  • Equity MF Evaluation Parameters
  • Returns – Trailing and Rolling Returns
  • PFP’s Role

ProTool: PFP Capability Analyzer

Topic 34

PMS, AIF & SIF

  • PMS (Portfolio Management Service)
  • AIF (Alternative Investment Fund)
  • SIF (Specialised Investment Funds)
  • PFP’s Role

ProTool: PFP Capability Analyzer

Topic 35

Capital Gains Tax on Investments

  • Understanding Capital Gains Tax
  • Calculation of Capital Gains (Property)
  • Impact of CGT on various asset classes
  • Tax Planning Opportunities around Capital Gains
  • Reporting & Filing Requirements

ProTool: PFP Capability Analyzer

Topic 36

Home Loans & Other Liabilities

  • Client Problems & Questions around Home Loans
  • EMI v/s Offset Loans
  • Floating Rate Intricacies
  • Other Tax Implications

ProTool: PFP Capability Analyzer

Examination

Level 3 Examination

Workshop - Comprehensive Personal Finance Blueprint using XLFP Templates

Enables PFPs to deliver comprehensive goal - based solutions for their clients, keeping a client - first approach.

XLFP Workshop

Agenda

  • Comprehensive Planning / Blueprint
  • Data Gathering Process
  • Current Financials Process
  • Future Goals Process
  • Cashflow Preparation Process
  • Executive Summary Preparation
  • Formatting & Customisation
  • Basic Planning / Blueprint
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