Wealth, Advice & Personal Finance
F1 Money Basics and Banking
Where the money is and where it goes. Accounts, income, expenses, goals, the household sheet.
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Budget
Topic 02Cash Flow: A Plan and a Record, Side by Side
F2 Credit and Debt
The first thing that goes wrong. Loans, cards, interest, the score, and the trap.
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Credit Card
Topic 02Personal Loan: Which Costs What, and When
F4 Insurance and Protection
Transferring what a buffer cannot absorb. Term, health, claims, and the mixed products.
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Insurance Fact
Topic 02Insurance Advice: Two Different Things
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Emergency Fund
Topic 02Insurance: Which Absorbs Which Shock
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Term Insurance
Topic 02Endowment Policy: Two Different Purchases
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Term Insurance
Topic 02ULIP: Protection Against a Bundled Product
F5 Investing Literacy
Only once the base is secure. What equity is, what a return promise means, and speculation.
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Savings
Topic 02Investing: Certainty Against the Chance of More
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Risk
Topic 02Volatility: Two Words That Are Not the Same Thing
F6 Retirement
The longest goal. EPF, PPF, NPS, gratuity, pensions, longevity and the withdrawal rate.
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Pension
Topic 02Annuity: Who Promises What, and For How Long
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EPF
Topic 02PPF
Topic 03NPS: Three Schemes on the Same Criteria
F7 Advice Process
Who may tell you what, and what their title actually means.
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Adviser
Topic 02Distributor
Topic 03Agent
Topic 04Educator
F8 Rights and Recovery
What to do when it goes wrong. Mis-selling, the ladder, SCORES, the ombudsman.
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Mis-Selling
Topic 02Market Loss: Telling the Two Apart
F9 Fraud Awareness
The patterns behind most losses, and the influencer question.
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Ponzi Scheme
Topic 02Regulated Investment: What Differs