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Financial planning is a process, not a product. It is the long-term method of wisely managing one’s finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life. In order to create a sound financial plan, financial goals must first be established.

Data is then gathered to analyze and evaluate your financial status. Once complete, your plan can be developed and implemented. Monitoring the plan on an on-going basis is essential in order to make necessary adjustments to reach your goals.

Financial planning is crucial for investors who have personal financial goal in life for retirement, for use by next generations and also add to their personal balance sheet strength.

Financial planning is a must in this new economy as the turbulence of the economy is very uncertain and it protects the investors from financial lost.

  • Gain knowledge on basic concepts in financial planning & wealth management
  • Understand and discuss various financial products marketed by a financial institutions to savers and investors 
  • Understand various types of investor’s personalities and match their risk profile financial needs
  • Personal risk profiling on Financial planning
  • Compliance to SC and BNM and internal bank’s policy on financial planning for customers
  • Recognize your financial goals and achieve them
  • Create options on financial planning for customers to make a decision
  • Assist and provide guidance to customers to build a financial planning portfolio 

Module 1: Introduction to Financial Planning

  • What is financial planning?
  • Three steps in financial planning process


Module 2: Analyzing the resources of the person

  • Elements of the Personal Balance Sheet
  • The Income and Expense Statement
  • Financial planning goals


Module 3: Basic Concepts in Financial Planning

  • The time value of money
  • Diversification – ‘spreading risk’
  • Investment Timing


Module 4: Financial Products for Savers

  • Saving versus Investment
  • Products options for savers
  • Checking Accounts
  • Savings Account
  • Certificates of Deposit
  • Money Market Mutual Funds
  • Money Market Deposit Accounts
  • Forex accounts and options, Bonds


Module 5: Financial Products for Investors

  • Products options for Investors
  • Common Stock
  • Bonds
  • Preferred Stock
  • Mutual Funds
  • Real Estate
  • Commodities
  • Overseas markets link investment products


Module 6: The Profiling of an Investor

  • The Five Personalities
  • Risk appetite
  • Risk/Return Trade-Offs for Investors
  • Investment purpose and goals of investors


Module 7: Investment Portfolio Management

  • Basics of Portfolio Management
  • Building a Model Portfolio
  • Wealth Management Marketers
  • Personal financial planners
  • Branch staff who have no knowledge about Financial  planning
  • Newly employed staff
  • Management trainees
  • Any banking staff

Get in touch

+6012-215 9885
B-­04­-43, Blok B, Pusat Perdagangan Ekoflora, Jalan Ekoflora 7/1, Taman Ekoflora, 81100 Johor Bahru, Johor, Malaysia.

29-1, Jalan 2a/27a, Seksyen 1 Wangsa Maju, 53300 Kuala Lumpur, Malaysia.

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