Level 3 – Personal Finance Products & Suitability Analysis – QPFP Certification Program by Network FP

Level 3 – Personal Finance Products & Suitability Analysis

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Topic 21

Life Insurance Products

  • Terms associated with Life Insurance
  • Types of Life Insurance
  • Riders & MWP Act
  • Taxation of Insurance
  • Traditional Insurance v/s Term Plan + MF
  • How to choose Life Insrance Product?

ProTool

  • Life Insurance Comparision Template
Topic 22

Health & General Insurance Products

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

ProTool

  • Health Insurance Comparision Template
Topic 23

Employment Benefits & Govt. Schemes

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

ProTool

  • Employee Benefits Calculator - EPF, NPS, Gratuity
Topic 24

Physical Investments (Real Estate & Gold)

  • How Physical Assets are Different from Financial Assets
  • Mistakes Investors make with Real Estate
  • Investment Options for Real Estate
  • Risk - Return Profile of Real Estate
  • Mistakes Investors make with Gold
  • Investment Options for Gold
  • Risk - Return Profile of Gold

ProTool

  • Traditional Insurance v/s MF & Term Plan
Topic 25

Mutual Funds - Categories & Risks

  • Mutual Fund - Basics
  • Mutual Fund - Categories
  • SEBI Board Categorization
  • Risks in Mutual Fund
  • Mutual Fund - Risk-O-Meter

ProTools

  • SIP Calculator
Topic 26

Mutual Funds - Plans, Taxation, Costs

  • Mutual Fund - Plans/Options
  • Mutual Fund - Taxation
  • Mutual Fund - Costs
  • Significance of MF's in Portfolio Construction

ProTool

  • SWP Calculator
Topic 27

Equity Markets & Direct Equity

  • Understanding Equity Markets
  • Factors Affecting Equity Markets
  • Direct Equity & Risks
  • Key Metrics of Evaluating Direct Equity
  • Behavioral aspect of an Equity Asset Class
Topic 28

PMS & AIF

  • PMS – Cost Structure & Key Concepts
  • PMS – Diversification Cost
  • PMS – Advantages & Disadvantages
  • PMS – Product Suitability & Evaluation
  • PMS Vs Mutual Funds
  • AIF - Structure, Benefits, Costs and Suitability
  • PFP's Role

ProTool

  • Product Suitability Matrix
Topic 29

Debt Markets & Direct Debt

  • Understanding Debt Instruments
  • Fixed Income Market and Instruments
  • Corporate & Government Market
  • Risk of Investing Debt
  • Debt Mutual Funds

ProTool

  • House Rent vs. Purchase Calculator
Topic 30

Other Investment - P2P, Smallcase, ETFs

  • Peer-2-Peer Lending (P2P)
  • Smallcase
  • Exchange Traded Funds (ETFs)

ProTools

  • New - SIP To Foreclose EMI on Home Loan
Topic 31

Evaluation of Investment Products

  • Equity Mutual Fund Evaluation Parameters - Standard Deviation | Sharpe Ratio | Alpha | Beta | R2
  • Returns - Trailing and Rolling Returns
  • Debt Mutual Fund Evaluation Parameters - Yield | Credit Rating | Macaulay Duration | Modified Duration

ProTool

  • Mutual Fund Whitelist Tracker - Equity
Topic 32

Capital Gains Tax on Investments

  • Understanding Capital Gains Tax
  • Calculation of Capital Gains
  • Indexation in Capital Gains
  • Impact of CGT on various asset classes
  • Set Off & Carry Forward of Capital Gains
  • Tax Planning Opportunities around Capital Gains
  • Reporting & Filing Requirements

ProTool

  • Capital Gains Calculator
Topic 33

International Investing

  • Why is International Investing required?
  • How can International Products be placed in our client's portfolio?
  • How to choose the right fit from the Different International Options?
  • How to keep a track of International markets?

Pro tool

  • Mutual Fund Whitelist Tracker - Debt
Topic 34

Home Loan & Other Liabilities

  • Client Problems and Questions around Home Loans
  • EMI vs. Offset Loans
  • Floating Rate Intricacies
  • Other Tax Implications

Pro Tool

  • Loan Amortization Calculator
Examination

Level 3 Examination

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