Module 1

PERSONAL MONEY MANAGEMENT

  • Introduction to creating an abundance mentality”.
  • Identifying our money beliefs and Psychology of Spending
  • Personal Budget/Spending Plan
  • Your Personal Balance Sheet/ How much am I worth?
  • Tips on managing/minimizing expenses
  • Building a Spending Tracker

Module 2

TIME VALUE OF MONEY

  • Principles of Time Value of Money – relationship between Time and Wealth creation.
  • Inflation impacts on our wants and needs.
  • Retirement Planning.
  • Education Planning.
  • Establishing Financial Goals

Module 3

Managing Debt

  • The Different types of debt and how they work (mortgages, credit cards, Sacco loans, MFI loans, bank loans)
  • Debt Amortisation – How your debt payments are calculated and making this work in your favour.
  • How much Home can you afford?
  • Paying down your Mortgage quickly.
  • Creating a personal debt repayment plan.
  • The Credit Reference Bureau and Consumer rights and responsibilities.

Module 4

LIVING ABUNDANTLY

  • The Abundance Mindset
  • Setting Goals: identifying what you truly want.
  • Your Financial Esteem.
  • Money & Relationships: Communicating to Family about Money, Coming to a common ground on Financial Matters in relationships.

Module 5

FINANCIAL PLANNING

  • Creating a Personal Financial Plan – roadmap to your Goals
  • Setting time oriented objectives/ targets
  • Monitoring and Evaluating your Financial Plan
  • Catering for changes in life circumstances in your financial plan.

Module 6

INVESTMENT PLANNING – PART 1

  • Understanding what affects interest rates (economic indicators).
  • Different products and how they work (deposits, bonds, bills, Sacco)
  • Situations that call for cash reserves – emergency fund, school fees.
  • Unit Trusts – Money Market Funds and Bond Funds.
  • Research & Information Sources

Module 7

INVESTMENT PLANNING – PART 2

  • The different Property Sectors
  • How to select property investments
  • The property acquisition process (conveyancing)
  • Unit Trusts and REITS ( Real Estate Investment Trusts)

Module 8

INVESTMENT PLANNING – PART 3

  • Forming/Managing/Creating an Investment Group
  • How your Investment Group can be a retirement vehicle.
  • Investment Planning for Groups.
  • Understanding the Stock Exchange and Listed Companies.
  • How to evaluate investments in Private Companies.
  • Creating value in Companies

Module 9

INSURANCE & ESTATE PLANNING

  • The use of Wills, Trusts, Family Companies etc
  • How to draw up a will
  • Succession Planning
  • Understanding when and how to use insurance.

Module 10

TAXES AND IMPLEMENTATION

  • Your Personal Taxes
  • Implementation of your Financial Plan.
  • Choosing a Financial /Investment Advisor
  • Certificates Presentation & Course Feedback

 

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