Introduction
Introduction
IMPORTANT DISCLAIMER – PLEASE READ
Course Animation Video
Opening words & navigating the course
Chapter 1 – Investing and Investment products
Introduction
Overview of section & why you need money
Why should you invest?
Time Value of Money Principle
How does stock markets work?
Understanding Present Values, Future Values & Opportunity costs
EXAMPLE – Simple Calculation of Investment returns
Relative Returns
Stock Market Indices
Different categories of investors
Quick introduction to investment products
1. Cash Savings
2. Bonds – Government & Corporate bonds
3. Equities – Quick introduction
3. Equities – Grocery Example – Year 1
3. Equities – Grocery Example – Year 2
3. Equities – Grocery Example – Year 3
3. Equities – Grocery Example – Other Accounting Transactions
3. Equities – Grocery Example – Registering a company & listing
3. Equities – TESCO CASE STUDY – Introduction
3. Equities – Quantitative Analysis of companies
3. Equities – Qualitative Analysis of companies
3. Equities – Other Investment Considerations
3. Equities – Understanding company sectors
3. Equities – Understanding Corporate Events
Investment Funds – Introduction
4. Investment Trusts – What is It?
4. Investment Trusts – LIVE EXAMPLE
4. Investment Trusts – Choosing a fund to invest
5. Unit Trusts
6. Open Ended Investment Companies (OEICs)
7. Exchange Traded Funds (ETFs)
8. Real Estate Investment Trusts (REITs)
OTHER HIGH RISK ASSETS – Introduction
HIGH RISK – Contract for Differences (CFDs)
HIGH RISK – Spread Betting
HIGH RISK – Foreign Currency (FX) Trading
HIGH RISK – Commodities
HIGH RISK – (PLEASE AVOID) – Binary Options
HIGH RISK – Cryptocurrencies
How the FCA & BoE Ensures your assets are safe
Financial Services Compensation Scheme (FSCS)
Resolving Issues with your provider
INVESTMENT TIPS & INSPIRATION
Last words
Chapter 2 – Pensions
Introduction to section
What is a pensions?
Workplace Pensions – Defined Benefit pension schemes
Workplace Pensions – Introduction
Workplace Pensions – In practise
Workplace Pensions – Important Things to Do
Workplace Pensions – Changing Employers
Personal Pensions – SIPP – Self Invested Pension Plans
GPP & Small administered pension schemes
Pension Tax reliefs & Allowances
Taking your pension – SIPP & Occupational Pensions Only
Public Sector Pension Schemes
State Pension Schemes
Planning for your retirement
Where to Get FREE HELP on Pensions
Mini – Frequently Asked Questions on Pensions
Investment Account Opening Illustration
Last words
Chapter 3 – Investment Wrappers
Introduction to tax and non-tax wrappers
Overview of 4 Individual Savings Accounts (ISAs)
Cash ISAs
Stocks and shares ISA
Lifetime Individual Savings Account (LISA)
Innovative Finance ISA
General Investment Account (GIA)
Self Invested Pension Plan (SIPP)
Junior ISA
Simple Investment Options – Robo-advisors
Simple Investment Options – Pre-made Investment Models
Important Considerations when choosing an investment provider
Transferring ISAs, JISAs, LISAs & SIPPs between providers
What happens to wrappers when you move abroad
What happens to ISAs when you die
Last words
Chapter 4 – Investing in Gold
Introduction on buying gold
Overview of gold, advantages & disadvantages to owning gold
How gold is measured
How and where to buy gold
Storing your gold
Other indirect ways of holding physical gold
Other alternative precious metals
Last words
Chapter 5 – Investment strategy and portfolio
Introduction on portfolio and investment strategy
What is investment strategy
Choosing an investment strategy
Asset allocation, what it is and what it means for you
Diversification of your portfolio
Rebalancing of your portfolio
Warren Buffet Case study
When should you sell an asset
Tools for monitoring your portfolio
Section conclusion
Chapter 6 – Borrowing and debt management
Introduction to borrowing
Overview of borrowing & borrowing statistics
How does borrowing work
Introduction to interest rates
Bank of England (BOE) – Bank rate
Understanding Interest rate – Simple Interest
Understanding Interest rate – Compound Interest
Understanding Interest rate – Fixed Interest
Understanding Interest rate – Variable Interest Rate
Understanding Interest rate – Annual Percentage Rate (APR)
Understanding Interest rate – Representative APR
Understanding Interest rate – Annual Percentage Rate of Change (APRC)
Understanding Interest rate – Promotional Interest Rate
Understanding Interest rate – Annual Equivalent Rate (AER)
What determines the interest you pay
Personal Loans
Credit cards
Overdrafts
Credit Sales
Credit Union Loans
Hire Purchase
Home Credit (Doorstep Loans)
Mortgage Loans
Equity Release Loans
Sharia Mortgage Loans
Remortgaging
Mail Order Catalogues
Payday Loans
Logbook Loans
Pawn Broker Loans
IMPORTANT BEWARE OF LOAN SHARKS
UK student Loans
Motor vehicle finance – cash, hire purchase, PCP etc
33. Key Considerations when buying cars. MOT. Road Tax & Vehicle Insurance
IMPORTANT BEWARE of Guarantor Loans
IMPORTANT – DEBT ISSUES TO WATCH OUT FOR
How to minimise debts
STRUGGLING WITH DEBT – Actions to take
DEBT FREE – Dave Ramsey’s 7 Baby Steps
Finding Good Borrowing Deals
STRUGGLING – Where to find help
Last words
Chapter 7 – Credit rating demystified
Introduction to credit rating
What is a credit score?
UK Top 4 credit rating agencies
Obtaining your free annual statutory credit report
How to boost your credit score
Benefits of a good credit score
Myths & truths of credit scores
Section conclusion
Chapter 8 – Death and estate planning
Introduction to section
Overview & Statistics
Lasting power of attorney
Making a Will
Dying without a Will
Executors and administrators
Prepaid funeral plans
Life assurances
Travel Insurance
Inheritance taxes
Age UK Lifebook
Last words
Chapter 9 – Overview of UK Tax System
Introduction to section
Overview of UK Tax System & Statistics
Income Taxes – Introduction
Income Taxes – Tax Allowances & Reliefs for individuals
Income Taxes – PAYE Tax Codes
Income Taxes – PAYE Tax Forms, P60, P45 & P11D
Income Taxes – Self Assessments & Paper returns
Income Taxes – Online Tax Accounts creation & Online Self Assessments
Income Taxes – Payment of Taxes to HMRC
National Insurance (NI) Contributions – Individuals & companies
Income Taxes – Online Tax Calculators
Capital Gains Tax (CGT) – Introduction
Capital Gains Tax (CGT) – Allowances & Reliefs
Capital Gains Tax (CGT) – Calculation & Payment
Stamp Duty Land Tax (SDLT) – ENGLAND & NORTHERN IRELAND
Land & Building Transaction Tax (LBTT) – SCOTLAND
Land Transaction Tax (LTT) – WALES
Council Taxes
Inheritance Taxes in brief
Corporation Taxes, Annual Tax Returns & Registering Companies
Value Added Tax (VAT) Overview
Insurance Premium Tax (IPT)
Customs Duties
Excise Duties & Examples
Air Passenger Duty
Section Conclusion
Chapter 10 – Financial, Tax & Legal professional advice
Introduction to financial advice
Financial advisors
Mortgage brokers
Finding a financial advisor or mortgage broker
What to do when things go wrong with financial advisors & mortgage brokers
Tax advisors & accountants
Legal advisors
Section Conclusion
Chapter 11 – Buying first home
Introduction to section
Overview of housing schemes
Schemes available in all of UK regions
England schemes
Scotland schemes
Wales schemes
Northern Ireland schemes
Tips on saving for a home
Things to consider before buying
Last words
Chapter 12 – Sharia compliant financing
Introduction to Sharia finance
What is Sharia finance
How Islamic finance works, including savings accounts
Home purchase schemes & key things to consider
UK financial institutions offering Sharia finance
Recap
Chapter 13 – Budgeting and budgeting tips
Introduction to budgeting
Budgeting Inspirations
Budgeting principles
Budgeting tips
Budgeting process
Budgeting recap
Chapter 14 – Protecting your money from fraud
Introduction to section
UK Fraud Statistics
How fraud occurs
Protecting yourself from fraud
What to do if a fraud victim
Section recap
Chapter 15 – Government child care support schemes
Introduction to section
Child schemes overview
Childcare support in all UK regions – Tax Free Childcare & Universal Credit
England childcare support
Scotland childcare support
Wales childcare support
Northern Ireland childcare support
Other childcare support schemes
Last words
Chapter 16 – Future reading and further resources
Importance of future reading
Future reading and further resources
Finance Podcasts
Chapter 17 – VERY LAST WORDS – REMEMBER TO SHARE THE TRAINING
VERY LAST WORDS
