Financial Literacy Course – Lifetime Income Mastery1

Financial Literacy Course

Financial Literacy Course, accredited by IBF, suitable for any individual to have the ability to build and manage their own multi-asset portfolios that are able to generate lifetime income for their retirement needs. It is designed for investors who are serious in planning and implementing insurance and investment plans. Students will learn to:

• Create their own portfolios that fits the criteria of lower volatility and inflation-hedged returns
• Generate stable Lifetime Income using various assets class such as Stock and shares, Bonds, REITS, Unit Trust and Saving/Retirement plans

Course Title

Lifetime Income Mastery

Course Objectives

• Enable participants to understand Personal Financial and Protection needs
• Help participants maximize their CPF and SRS strategy
• Familiarize participants with Multi Assets’ criteria and methods (Stocks, Bond, REITs, Unit Trust and Retirement/Saving plan selection)
• Equip participants with Portfolio and Risk Management skills

Target Audience

• Individuals who want to learn Multi Asset Investing
• Individuals who are interested in managing Multi Asset Portfolios
• Individuals who want to have insurance, investment and retirement plan
• Individuals planning for Retirement Income

Course Content

• Check out your own Finances
• Protecting Your Downside Risk
• Maximising Your CPF
• Growing Wealth with SRS
• Generating Passive Income with Bonds
• Picking Value Stocks for Dividends
• Everything you need to know about REITs
• How the Pro select Unit Trust
• Dissecting Saving, Retirement and Annuities Plan
• Becoming a Manager in Creating Your Own Lifetime Income

Class Fees

1. Refers to economic activities such as the issuance, circulation and withdrawal of currency, the issuance and withdrawal of loans, the deposit and withdrawal, and the exchange of foreign exchange.

Hu Shi, “China in the World” : “Let’s think more about the domestic bourgeoisie in recent years, for the interest of high interest debt, desperately borrowed money to the Chinese government, which not only prolonged the fate of the evil government, but also destroyed the national finance.

Ding Ling, Shanghai in the Spring of 1930: “Many merchants with large abdoments, and bloodthirsty ghosts who were exhausted by the laborious abacus, encouraged their spirits to speculate in the unstable financial wind.”

Hao Ran chapter 7 of The Sunny Day: “The leaders of the bank helped him understand the importance of financial work to the restoration of the national economy and the construction of socialism, he listened.”[3]

2. According to David Ding, gold at home and abroad has become the most ideal representative, storage, stabilizer and medium of exchange of economic value due to its non-destructibility, high plasticity, relative scarcity, infinite separability, homogeneity and bright color.

Basic meaning editing

A financial enhancement chart

A financial enhancement chart

The essence of finance is the flow of value.There are many kinds of financial products, mainly including banks, securities, insurance, trust and so on.Finance involves a wide range of academic fields, including accounting, finance, investment, banking, securities, insurance, trust and so on.

Finance is a kind of trading activity. Financial trading itself does not create value, so why does it make money in financial trading?According to Mr. Chen, financial transactions are a way of cashing in future income, that is, tomorrow’s money to spend today.If we spend too much money tomorrow, will it cause inflation

Simply put, the frequency of financial transactions is an important indicator that reflects the economic prosperity capacity of a region, a region or even a country.

The concept of traditional finance is the subject of studying the circulation of money funds.The essence of modern finance is the capitalization of business activities.

Western definition, The Great Dictionary of Neo-Pargrave Economics, refers to the operation of capital markets, the supply and pricing of assets.Its basic contents include efficient markets, risk and return, alternative and arbitrage, option pricing and corporate finance.

Gold was once the sole medium of international trade.In the era of barter economy, merchants could only barter with their counterparts.Therefore, human economic activities are greatly restricted.In the economic era of gold standard, value and wealth are based on the real asset — gold. This objective physical method is very conducive to the stable development of the global economy.

However, as a carrier of value, the disadvantages of gold, such as inconvenient physical conditions such as transport, carrying and conversion, make it give way to more flexible paper money (money).

Today, the money economy has not only replaced the original barter economy, but also covered the gold standard economy.While bringing unprecedented economic freedom to mankind, monetary economy also brings many troubles and problems to mankind, such as world trade imbalance, value disunity, inflation, currency depreciation, drastic fluctuations of economic development and so on.

One of the important macro factors that triggered the global financial crisis is the global trade imbalance.

Leaving the gold standard was supposed to achieve economic freedom and stability, but it did the opposite.In today’s currency diversification, the amount of “gold” in modern finance is less and less, but its connotation, role and risk are more and more extensive and larger, and it has penetrated into every corner of the society and every person’s life.

Today, although there is less and less “gold” in finance, it is increasingly liquid as a value.Finance has become the “blood stream” of the whole economy and permeates every aspect of the society.

Just as the human body moves the blood, all economic activity moves finance (money and value).Without liquidity, finance becomes a “backwater” and values cannot be converted.An economy cannot function if values cannot be converted;The economy cannot function and new value cannot be created;Human society cannot develop unless new values are created.

Conversely, a financial crisis will turn into an economic crisis when it reaches a certain point.When an economic crisis reaches a certain point, it turns into a social crisis.This is an objective financial law which is not based on human consciousness.