In this module, students get acquainted with the basic principles of wealth management and the changing roles of a financial advisor. The students at BBSMIT discover the difference between goal-related financial planning and transactional products selling, and at the same time, they can learn how to comprehend the expectations of different types of clients.
This section places the role of an advisor in creating long-term financial plans for the clients in an ethical and fiduciary capacity. Students get an understanding of the role of advisors in shepherding individuals and enterprises through the processes of wealth creation, expansion, and maintenance.
Learners are exposed to different client segments—mass-market clients, High Net-Worth Individuals (HNIs), and corporate clients—each with distinct financial behaviours and needs. The module focuses on how advisory approaches are tailored to suit these segments effectively.
This section explains the difference between offering comprehensive financial planning and merely pushing financial products. Students at BBSMIT understand the importance of trust-building, need-based advisory, and aligning financial solutions with the client’s life goals.
The module equips the learners in BBSMIT with the knowledge of the different investment products in the financial market. The point of emphasis is the development of familiarity with the traditional and market-linked instruments in the creation of wealth, capital protection, and tax planning.
Learners are exposed to the types of mutual funds available proper of growth-oriented investors (equity funds), stability-seeking investors (debt funds), and risk-return balanced investment (hybrid funds). Students learn about the underlying asset allocations, risk profiles, and preferred investor types for each category.
In this part, attention is paid to investment opportunities involving fixed income. The students learn about fixed deposits, government bonds, corporate bonds, and Public Provident Fund (PPF). They focus on the safety, expectations, and returns of every instrument as well as the tenures.
The learners are informed about the insurance cover under financial planning. The chapter provides the general terms and variations between term insurance, life insurance and Unit Linked Insurance Plans (ULIPs) as investment cum protection products.
The section deals with some of the most important investment areas in Section 80C and such as ELSS, PPF, tax-saving FDs, and insurance premiums. At BBSMIT, students learn how such tools can help them grow wealth as well as tax-optimize.
The module equips the BBSMIT learners in measuring the financial personality of an individual using systematic instruments and then utilizes the learning to develop investment plans with goals. There is a focus on the precise identification of the goals of clients and matching them with appropriate investment opportunities.
Common questionnaires present risk profiling techniques to learners, which evaluate the risk-taking ability and behavior of an investor. In this section, the authors propose methods to measure the risk capacity against the risk appetite to make decisions in terms of investments.
By learning an example of how financial objectives can be categorized by time horizon (short-term, e.g., travel, car purchase; medium-term, e.g., education; long-term, e.g., retirement, wealth accumulation), Students learn to define financial objectives based on time horizon. It is about setting goals as priorities and quantifying goals in an effective way of planning.
This section guides students on the manner in which they should match appropriate financial products on the basis of the risk profile and life objectives of the client. The students in BBSMIT are taught to propose suitable instruments for their goals, whether short-term or long-term; the teaching ensures concordance of risk and goals.
Through this module, BBSMIT learners are exposed to the concept of a sound and well-balanced investment portfolio. The crucial importance of asset allocation, diversification, and disciplined investing is the main point of emphasis. The students gain knowledge in positioning portfolios to achieve financial objectives with an effective approach to managing risk.
Learners delve into all the steps involved when allocating investments among different sets of assets- equity, debt, and alternatives, among others, to form a well-balanced portfolio. Focus is on how, due to the correct allocation, risk is reduced and the potential of the returns is improved, based on the profile of the investor and the market situation.
In this section, the comparison of systematic investment plans (SIPs) and lump-sum investing is provided. Students learn to choose the right investment strategy by the market trends, investor behavior, and cash flow patterns, which promotes the stable long-term wealth build-up.
Students are also instructed about the value of periodic review and rebalancing of the investment portfolio. This section emphasizes how the changes in the market or life can necessitate a change to keep the portfolios consistent with the initial strategy and risk habits. It aims at being disciplined and not getting off track on financial goals.
In this module, students of BBSMIT are prepared to use structured needs-based advisory dialogues with the clients. It is centered on providing individual financial planning and investment advice in an understandable manner and managing the concerns of clients in a confident and professional manner.
The learners are instructed on how to plan financial discussions with the purpose of knowing the goals, needs, priorities, and risk preferences of the clients. Building trust, asking questions that matter, and listening to get good information on which to build advice are given emphasis.
This section trains students on presenting financial plans in a simple, logical, and compelling manner. They learn to highlight key recommendations, link solutions to goals, and ensure the client fully understands the value and purpose of each suggested product.
Students develop the ability to address client doubts, concerns, or resistance respectfully. The focus is on empathetic communication, providing clear clarifications, and reinforcing the suitability of the plan with confidence and logic.
This module will provide BBSMIT learners with excellent knowledge of regulatory codes and financial advisory ethics. It is concerned with the idea of promoting transparency, protection of the interests of the clients, and the fact that any recommendation of investments must be within the ascertained legal and ethical boundaries.
The main roles and responsibilities stipulated by SEBI are exposed to the learners on what is expected of financial consultants and intermediaries. They are made aware of fundamental compliance issues, disclosure standards, and standards of conduct that are regulated by the investor protection.
In this section, there is also an indication of the necessity to suggest the products concerning the client in regard to the financial profile, risk appetite, and investment purposes. Students are taught how to make solutions in the best interests of the client as opposed to the sales incentives of the suitability of products.
The students are also conditioned to avoid mis-selling practices. It is emphasized that the practice is oriented on full disclosure, appropriate documentation, and long-term trust by providing need-based rather than commission-based advice.
In this module, learners at BBSMIT are introduced to essential digital tools and platforms used in modern-day wealth advisory. The aim is to build comfort with basic fintech platforms, risk assessment tools, and practical methods of plan creation to improve advisory efficiency.
Learners gain basic exposure to widely used mutual fund platforms like Zerodha Coin and Groww. The focus is on understanding how clients invest online, track portfolios, and access fund information for self-service investing.
This section introduces students to digital and offline tools that help in assessing an investor’s risk appetite. Learners explore how these tools support personalized recommendations and compliance with regulatory suitability norms.
Students are trained to use Excel for creating simple, goal-based financial plans. The focus is on data input, return projections, and visual presentation of the investment roadmap.
At BBSMIT, learners in this module are also instructed about why continuous investment, watch keeping, and customer contacts are critical. It is concerned with measuring the portfolio performance, taking periodic portfolio review, as well as remaking the financial plans to be able to stay in tune with the changing life goals and market conditions.
The students are taught how to monitor performance in a portfolio through returns as absolute return, XIRR, and benchmark comparisons. A lot of focus is put on result interpretation and finding assets that perform poorly or need rebalancing.
Training of learners on how to organize review sessions with clients is done in this section. They discuss how to make portfolio update presentations, align goals further, and deal with any questions or other responses constructively and appropriately.
Students realize why it is necessary to update the financial strategy in the case of significant life changes that occur in life to make the strategy timely and efficient: marriage, maternity, retirement, or income changes.
The module would familiarize the learners at BBSMIT with basic concepts of tax-saving plans and long-term planning of finances. The emphasis is on enabling students with basic knowledge of tax acts, deductions associated with making investments, and planning methods of pivotal life objectives such as retirement and higher education.
The key tax savings avenues discovered by learners under the Section 80C are ELSS (Equity Linked Saving Scheme) and the National Pension System. The key stress is placed on the connection between tax benefits and goal-oriented investing.
This part describes short-term and long-term capital gains, the indexation advantage, and tax treatments by asset type, such as equity, debt, and real estate.
Through it, students get to understand how to create investment strategies to support long-term needs such as retirement earnings and children's education. The module is oriented on the timeline planning, inflation-adjusted goal setting, and asset selection.
This module equips BBSMIT learners with proper ways of reporting and recording relevant information that can be done safely in an advisory environment. The students learn how to have clean records, release periodic reports to the clients, and treat delicate monetary information professionally and confidentially.
Learners are provided with the structure and contents of investment statements such as portfolio summaries, transaction history, asset performance, and valuation snapshots. Importance is given to accuracy and openness in communication.
The section will have a checklist of documents that are a must to have in a client advisory file so as to assure compliance and quality of service; they include risk profiling forms, KYC, investment proposals, consent letters, and review notes.
Students learn how to guard client information. It involves special attention to safe data treatment, client consent, and keeping privacy according to the regulations and ethical guidelines.
Unlock your potential in the world of financial advisory with BBSMIT’s industry-relevant, practical certification program. Gain in-demand skills in investment planning, portfolio management, tax strategies, ethical selling, and client communication.
This program is designed for those who are just starting out in finance or who want to improve their advisory skills.`
Enroll now to transform your future in finance!
Role of a financial advisor Types of clients: mass, HNI, corporate Financial planning vs. product selling
Mutual Funds: equity, debt, hybrid Fixed Deposits, Bonds, PPF Insurance (life, ULIP, term) – basics only Tax-saving instruments
Risk tolerance questionnaire Identifying short-term vs. long-term goals Matching products to risk/goals
Asset allocation basics SIP vs. lump-sum Rebalancing a portfolio
Need-based conversation flow Presentation of plan Handling objections professionally
SEBI regulations (basic awareness) Suitability norms Avoiding mis-selling
Mutual fund platforms (Zerodha Coin, Groww – overview only) Risk profiling tools Excel-based plan creation
Monitoring investment returns Client review meetings Adjusting plans based on life events
Section 80C, ELSS, NPS Capital gains concepts Retirement and education planning
Investment statements Advisory documentation checklist Confidentiality & data handling
Programing
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