Growing Wealth & Stretching Your Retirement Dollars Growing Wealth & Stretching Your Retirement Dollars
Course Outline
Participants will understand the fundamentals of finance and investment, learn how to grow wealth and manage risks.
They will also learn how to provide for one’s retirement financial needs and leave a legacy.
Module 1 – Introduction to Personal Investing
- Course Structure & Content
- Understand Your Financial Goals
- Assess Your Risk Appetite
- Risk-Return Relationship
- Time Value of Money
- Expense Ratio & its Impact on Returns
- Effects of Inflation
- Types of Investment Instruments/Financial Products
- Determining Your Financial Net-worth
- Personal Budgeting
- Quiz
Module 2 – Investing in Stocks & Bonds
- Types of Stock Investments
- Performance of the Singapore Stock Market
- Long Term vs Short Term
- Financial Ratio Analysis
- Diversification & Risk Management
- Technical Analysis
- Exchange Traded Funds (ETFs)
- Types of Fixed Income Instruments
- Why Invest in Fixed Income Instruments
- Bond Terminologies
- Credit Risks & Bond Rating
- Impact of Market Interest Rates on Bond Pricing
- Security & Seniority of Bonds
- Quiz
Module 3 – CPF Investment & Supplementary Retirement Scheme (SRS)
- CPF Contributions, Accounts & Returns
- Basic, Full & Enhanced Retirement Sum
- CPF LIFE (Standard, Basic & Escalating Plans)
- CPF Top-Up
- Optimizing CPF Withdrawals
- What is SRS
- Benefits & Costs of SRS
- Investing SRS Monies
- Types of Withdrawals & Related Taxes/Penalties
- Optimizing SRS Withdrawals
- Quiz
Module 4 – Investing in Real Estate and Legacy Planning
- Investment Properties
- Leasehold vs Freehold
- Joint Tenancy vs Tenancy In Common
- Residential vs Commercial Properties
- Additional Buyer Stamp Duty
- Seller’s Stamp Duty
- Total Debt Servicing Ratio
- Typical Rental Agreements
- Leverage
- REITS
- Preparing Properties for Sale
- Legacy Planning
- Will
- Probates
- Rules of Intestacy
- Lasting Power of Attorney
- Advanced Medical Directive
- Quiz
Trainer Profile
Ms Diana Seah has more than 30 years experience in financial institutions that specialise in financing small and medium-sized enterprises. She is a Certified Public Accountant (Singapore) with an Accountancy degree from NUS and a MBA (Business Law) from NTU.
* The trainer is subject to change without prior notice.
| Course Duration | |
|---|---|
| Course Duration | 14 hours (2 sessions)
7 hours per session |
| Course Dates | Monday & Wednesday 17 & 19 February 2025 |
| Time | 10am to 5pm |
| Venue |
NUSS Kent Ridge Guild House
9 Kent Ridge Drive Singapore 119241 |
| Registration Closing Date | 31 December 2024 |
| Course Fees per pax (Including GST) | NUSS Member: $274.68
Public: $305.20 |
| Fees payable by Singaporean and PR aged 50 and above (Including GST) | NUSS Member: $73.08
Public: $81.20 |
| Course Material Fee | Printed course notes are chargeable at $10 per copy |
| Lunch | Lunch is chargeable at $14.00 for each session. Lunch for both session costs $28.00. |
| Remarks | * Course dates are subject to change
* SkillsFuture Credits Eligible (for course fees only) * A minimum of 15 participants is required for workshop to commence. * Please note that there is no refund and no replacement for any lesson(s) missed |
