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Wealth Advisor

Program Description:
Very popular across both students and working professionals, this online certification program covers live exercises on
retirement planning and managing a client portfolio of equities, bonds, mutual funds and insurance. It is used by leading
Wealth Management firms to train thousands of their Financial Planners.

Faculty:
Aditya Mishra (IIM Lucknow 1996)
Head of Middle East, Indian Subcontinent/ NRI and Africa Team, for Private Wealth Management, Credit Suisse, London
Aditya has worked in Wealth Management 20+years. He was head of Consumer Banking at Dresdner Bank, India. Prior
to that he was heading the NRI Wealth Management Business for ABN AMRO. He is currently Head of Middle East,
Indian Subcontinent/ NRI and Africa Team, London, Credit Suisse

Program Coverage: The program has the following modules:

1. Wealth Management − Life Cycle
2. Investment Products

Course Outline 1- Wealth Management − Life Cycle

Chapter
Wealth Management -
Business Overview
Wealth Management
Process - Client Acquisition
Study
Topics
Time
Introduction: Concept of 'Wealth' and 'Net worth'.
High Net worth Individuals (HNIs): High Net worth Individuals (HNIs):
Concept of HNIs and their classification. An overview of various
investments needs of HNIs and understanding the 'management' part of
'Wealth Management' for the HNIs.
Service Providers and Spectrum of Services: An overview of service
providers, and the range of products and services offered to each
segment of HNIs.
Service Mandates: Types of service mandates, and various segment-
mandate mixes. 4
World Wealth Report and HNI Segment Growth in India: An insight of the
Wealth Management Industry as well as growth potential of Indian HNI
segment in the coming years.
Market Regulators: A discussion on the regulatory aspect of Wealth
Management at various levels.
Anti Money Laundering (AML) laws in India: How 'Money laundering'
works, and compliances across the financial services world to block it.
Know Your Client (KYC): The various steps involved in a KYC process,
such as monitoring of transactions, reporting etc.
Key Roles in Front, Middle & Back Office: A discussion on roles such as
Investment Advisory, Product Manager and Credit Operations etc.
available in the Front, Middle and Back offices. 5
Wealth Management Process (Stages): Client Engagement, Client
Profiling and Targeting, Building Relationships etc.

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Financial Planning
Asset Allocation
Portfolio Performance
Measurement
Chapter
Equity Markets
Bond Markets
The Indian Bond Market
Introduction to Derivatives
Equity Futures
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Risk Profiling: Classification of clients based on the Risk-return principle.
Understanding the stages of the human life cycle, analyzing the clients'
comfort zone for investment, Risk Tolerance, determining investment
objectives etc. 2
Model Portfolios: Various asset classes and portfolio classification based
upon the proportion of various asset classes.
Understanding and designing an efficient frontier.
Portfolio maintenance and rebalancing: How to balance the portfolio basis 1
a client's risk profile.
Performance Measurement Parameters: Return parameters that
determine the performance of the portfolio, such as 'Holding Period
Return', CAGR etc.
Risk Adjusted Return: 'Risk Adjusted Return' measures such as Sharpe 3.5
Ratio, Treynor Ratio etc.
Performance Attribution: Analyzing portfolio according to the asset class
and the markets.
TOTAL RECOMMENDED LEARNING HOURS 15.5
Course Outline 2 - Investment Products
Study
Topics
Time
Types of Markets (Refresher)*: Capital Markets and their classification.
Trade Life Cycle (Refresher)*: Trade lifecycle of a financial instrument
with an example.
Market Participants: Market Participants in the Equity markets with
perspectives on 'Buy' side and 'Sell' side. 5
Key Terms: Key terminologies related to the Equity markets.
Trading Philosophy: Bottom-up and Top-down approach.
Stocks - Classification: Classification of stocks into different categories.
Bond Markets (Refresher)*: Introduction to bond markets.
2
Key Terms: Key terminologies related to the bond markets.
Types of Debt Instruments: Debt instruments and their classification.
Money Market Instruments (such as Certificate of Deposit, Re-purchase
Agreements etc.).
Market Overview: How bond markets operate. 4
Bond Market Regulations: Regulatory aspects such as CRR, SLR.
Market Players: Key players such as FIIs,Hedge Funds etc.
Introduction to Financial Derivatives.
Understanding of the Building Blocks: Credit Extension Products, Price
2
Fixing Contracts and Price Insurance Contracts.
Key Terms: Open Interest, Margins and its types.
Introduction: What are Equity futures?
Contract Specifications and Live Quotes from NSE and how trade takes 1
place on the exchange.
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Foreign exchange Markets
- Introduction
Factors Affecting Foreign
Exchange Markets
Currency Futures
Commodity Derivatives
Commodity Futures
Trading Strategies for
Futures
Equity Options
Currency Options
Trading Strategies for
Options
Mutual Funds
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Settlement: How futures settle and the various margins imposed by the
exchange.
Features & Market participants: An overview of global currency markets
and the different participants.
2.5
Foreign Exchange Fundamentals: Market conventions and Key terms such
as – Bid/offer, valuation or MTM, Stop loss etc.
Global Markets: Factors affecting global currency markets, and their
1.5
interpretation for trading purposes.
Introduction: What are currency futures, and their difference from OTC
forwards.
Live Quotes: Live quotes from NSE and how trade takes place on the
1
exchange.
Settlement: How futures settle and the various margins imposed by the
exchange.
Commodity Derivatives in India: Types of commodities traded.
How are commodity derivates settled in India - Cash and Physical 1
Settlement, and pricing of commodity derivatives?
Specifications of a Commodity Futures contract: How a contract is defined
by the exchange based on its underlying asset, contract size, etc.
1.5
Margins: Margins levied by the exchange for trading commodity futures.
Factors affecting Commodity Prices: The domestic and global factors
affecting commodity prices.
Types of Participants in Futures Market: Speculators, Hedgers and
arbitrageurs.
1.5
Types of strategies: Directional, Non directional and Arbitrage Strategies.
Introduction to options: Basic understanding of Equity Options and its
types.
Options terminology: Holder and Writer of an Option, Strike Price,
Premium, ITM, OTM etc. 1
Specifications of a Currency Options contract: How a contract is defined
by the exchange.
Margins: Various margins imposed by the exchange.
Introduction to Currency Options: Basic understanding of Currency
Options and its types.
Specifications of a Currency Options contract: How a contract is defined 1
by the exchange.
Margins: margins imposed by the exchange.
Portfolio of options: How to create a desired portfolio of options like
2.5
spreads, straddle, asset option combinations etc.
Introduction: Mutual Funds and their importance.
Structure of a Mutual Fund: Various entities of a Mutual Fund and their
respective roles. 5.5
Net Asset Value (NAV): Basic understanding of NAV and calculation of a
Fund-NAV.
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Insurance - Introduction
Insurance as a part of
Financial Planning
Property, Liability and
Motor Insurance
Commercial Insurance
Health and Disability
Insurance
Life Insurance -
Introduction
Term Insurance
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Loads and Commissions: Types of Loads and Commissions charged on
Mutual Funds and their significance.
Structure and Classification of Mutual Funds in India: Discussion on types
of Mutual Funds in India, classified on the basis of Structure, Investment
Objective, and Investment Plan.
Risk Hierarchy: Relative risks associated with various Mutual Funds in
India.
Exchange Traded Funds (ETFs): Basic understanding of ETFs and their
key features. Differences between a Mutual Fund and an ETF.
Hedge Funds: Basic understanding of a 'Hedge Fund' and its key
features.
Fund Selection and Fund Expenses: Process of Fund Selection.
Do's and Dont's and Ten Commandments for an Investment
Advisor: Guidelines for Investment Advisors while selling Mutual Funds to
the clients.
Introduction: What is Insurance? Basic understanding on how insurance
works.
Property and Liability Insurance: Types of liability that a Property and
Liability Insurance would cover, extent of insurance value, and conditions
under which insurance can occur.
2
Players in Insurance: Various players in the Industry such as Insurance
Distributors, Regulators etc.
Key Terms: Key terminologies associated with insurance.
Risk from an Insurer's Perspective: Classification and description of
various types of risks from an insurer's perspective.
Financial Planning Process in Insurance: Importance of financial planning
and the role Insurance plays to achieve it. 1.5
HLV index and its significance in protecting the lifestyle of customers.
Insurance Products: Classification of insurance products – General,
healthcare and life insurance.
Property Insurance: Basic understanding of property insurance and its
types. 1.5
Casualty/ Liability Insurance: Basic understanding of Liability insurance
and its main types.
Motor Insurance: Typical covers available.
Basic understanding of Commercial Insurance and overview of its
types: Property and Fire Insurance, Business Interruption Insurance, Key
Person (Key man) Insurance, Liability Insurance, Marine Insurance, 2
Business Overhead Insurance.
Types of Healthcare and Disability Insurance: Total and Permanent
Disability, Income Continuation Insurance, Trauma and Health 1.5
Insurance.
Basic Policies: Single Life, Joint Life and Survivorship Joint Life
1.5
Key terms: Beneficiary, Rider, Cash Value and Surrender Value
Concept of Term Insurance; the key benefits; and its types: Level Cover,
0.5
Increasing Cover and decreasing Cover
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Permanent Life Insurance Concept of Permanent Life Insurance and the key benefits.
Whole Life Policy and Endowment Policy: Concept of Whole Life Policy 1
and Endowment Policy and the differences between them.
ULIPs Concept of ULIP and its comparison with conventional plans and Mutual
Funds.
ULIP Illustration 1
Types of charges: applicable in ULIP products.
Annuity Concept of Annuities and how they are determined - Examples and
Exercises. 1
Types: Immediate and Deferred Annuities.
Wealth Management Live Live case study on Retirement planning.
2
Case
Alternate Investment Introduction: Basic understanding of Alternate Investments.
Products Alternate investments Products and their types: Real Estate, Private 1.5
Equity Investments and Structured products
Portfolio Management How do Portfolio Management Services work and steps involved in
Services providing them. 1.5
Monitoring the performance of a portfolio.
Tax Planning Tax regulations, Types of taxes - Income Tax and Capital Gains Tax. 1.5
TOTAL RECOMMENDED LEARNING HOURS 53

All programs are blended with Practice Tests, Online faculty discussion sessions and E-mail Query Support.
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employers, who ‘prefer/give weightage’ to a FLIP certified candidate.

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