Ada beberapa modul yang wajib diambil saat mengikuti kelas Basic Financial Planner:
Day 1
1. Perkembangan Financial Planning
2. Process & Outline / Proses & Susunan Perencanaan Keuangan
3. Data Gathering & Risk Profiling / Mengumpulkan Data & Profil Resiko
4. Cash Flow & Debt Management / Arus Dana & Management Hutang
5. Emergency Fund / Dana Darurat
Day 2
1. Nilai Uang Terhadap Waktu - Perencanaan Pendidikan dan lainnya
2. Retirement Plan / Perencanaan Dana Pensiun
3. Investment Products / Produk Investasi
4. Basic Capital Market - Analisa Pendapatan Tetap
5. Basic Capital Market - Analisa Ekuitas/saham
Day 3
1. Estate Planning / Perencanaan Warisan
2. Mutual Fund / Reksadana
3. Risk Management (Life) / Manajemen Resiko (Jiwa)
Day 4
1. Pengenalan Asuransi Umum
2. Ujian
3. Rich Game
TBC
Tuesday, May 31, 2011
Thursday, May 26, 2011
High Return Manageable Risk
Melanjutkan sharing training Basic Financial Planner hari kedua. Diantara beberapa topik yang terdapat dalam modul hari ini, yang paling menarik adalah pelajaran mengenai saham yang dibawakan Adrian Maulana/Artis.
Topik yang dibawakan Adrian itu adalah Basic Capital Market - Analisa Ekuitas (Saham). Menjadi sangat menarik karena selama ini persepsi yang aku tahu mengenai saham itu adalah high risk and high return. Ternyata saham itu bukan suatu investasi yang harus dihindari mengingat returnya yang tinggi. Dengan prinsip jangan berinvestasi pada produk yang kita tidak paham maka saham menjadi pilihan investasi yang menguntungkan dengan catatan kita kalo ingin menjadi investor harus belajar dan paham dulu mengenai seluk beluk saham.
Jadi sebelum mulai berinvestsai disaham, kita harus mendefinisikan diri kita sendiri apakah mau menjadi investor atau menjadi trader, otomatis pilihan tersebut dengan konsekuensi masing-masing. Kalo ingin menjadi investor maka kita mengharapkan keuntungan hanya dalam jangka panjang sementara kalo ingin menjadi trader maka dapat mengharapkan keuntungan dalam jangka pendek. Tapi pada umumnya menjadi trader lebih beresiko namun juga bisa mendapatkan keuntungan yang lebih besar dalam jangka pendek.
Menurut Adrian, ada beberapa saham yang wajib ada dalam portfolio kita antara lain :
1. Saham Indofood
2. Unilever
3. Mandiri
4. BCA
5. Astra
6. Dll
Kenapa saham diatas yang dipilih, karena secara logik mereka adalah perusahaan besar dan kecil kemungkinan untuk bangkrut, contohnya Indofood, setiap orang suka dengan Indomie dan tiap hari ada saja orang yang makan Indomie jadi kecil kemungkinan Indomie tidak punya demand.
Jadi katanya kalo ingin berinvestasi dalam saham, kunci utamanya adalah belajar tentang produk tersebut dan praktek:-).
Topik yang dibawakan Adrian itu adalah Basic Capital Market - Analisa Ekuitas (Saham). Menjadi sangat menarik karena selama ini persepsi yang aku tahu mengenai saham itu adalah high risk and high return. Ternyata saham itu bukan suatu investasi yang harus dihindari mengingat returnya yang tinggi. Dengan prinsip jangan berinvestasi pada produk yang kita tidak paham maka saham menjadi pilihan investasi yang menguntungkan dengan catatan kita kalo ingin menjadi investor harus belajar dan paham dulu mengenai seluk beluk saham.
Jadi sebelum mulai berinvestsai disaham, kita harus mendefinisikan diri kita sendiri apakah mau menjadi investor atau menjadi trader, otomatis pilihan tersebut dengan konsekuensi masing-masing. Kalo ingin menjadi investor maka kita mengharapkan keuntungan hanya dalam jangka panjang sementara kalo ingin menjadi trader maka dapat mengharapkan keuntungan dalam jangka pendek. Tapi pada umumnya menjadi trader lebih beresiko namun juga bisa mendapatkan keuntungan yang lebih besar dalam jangka pendek.
Menurut Adrian, ada beberapa saham yang wajib ada dalam portfolio kita antara lain :
1. Saham Indofood
2. Unilever
3. Mandiri
4. BCA
5. Astra
6. Dll
Kenapa saham diatas yang dipilih, karena secara logik mereka adalah perusahaan besar dan kecil kemungkinan untuk bangkrut, contohnya Indofood, setiap orang suka dengan Indomie dan tiap hari ada saja orang yang makan Indomie jadi kecil kemungkinan Indomie tidak punya demand.
Jadi katanya kalo ingin berinvestasi dalam saham, kunci utamanya adalah belajar tentang produk tersebut dan praktek:-).
Tuesday, May 03, 2011
Financial Planning – Who Needs It?
Tuesday, May 3rd, 2011 at 1:24 am
If you feel you’re too young for financial planning, or if you believe you’ve left it far too late, reconsider. It doesn’t matter what stage you could have reached to have, sound financial planning is essential. Financial planning is centered on lifestyle. It comes down to protecting the lifestyle your currently enjoy, for you and your loved ones; in fact it is about getting yourself ready the lifestyle you should enjoy later on. However, when you progress to have, your financial priorities changes since your circumstances change. That is why it is advisable to review of your financial plan regularly to make sure that still it suits your wants.Fortune High Tech Marketing providing good oppertunities to financial planning.
Young, Free and Single
At this point you are maybe keen on enjoying yourselves and enjoying life than you are in financial planning. I totally agree it is extremely important to take pleasure from life enjoy yourself together with your friends. However, small financial planning steps taken presently will always make a massive impact on you later on.
Key financial areas in your case include:
* Saving regularly
* Starting a pension
* Insuring your earnings
* Critical illness cover
* Mortgage advice
Young Couple – No Children
If you’re existing with someone and also you haven’t yet started a family group, it is among the more affluent levels in your health, for those who have two incomes but just one home without kids! It’s important, when you are on this position, that you enter started together with your financial planning. Down the road, if you decide to have children, there could not much spare money remaining for saving. All the key sections of financial planning which affect the ‘Young, Free and Single’ also affect you!
Couple with Children
This is where you have access to absolutely serious about your financial planning. You then have a responsibility to guard besides your lifestyle but those of all your family members.
Key priorities include:
* Insurance coverage – vitally important!
* Critical illness cover
* Education fees planning
* Income Protection
* Retirement planning
Empty Nesters
So that your children have all matured and fled the nest? The time has come to totally give attention to your financial planning – especially on your own retirement planning, getting back together any shortfalls in the pension provision. Own life is not only a rehearsal. It is vital that you’re planning to be financially independent eventually to be able to decide to surrender work and initiate doing everything you want to do while you are still young and fit enough every single child enjoy them.
Key sections of concern include:
* Retirement planning
* Investment advice
* Inheritance tax (IHT) planning
* Settling your mortgage
Retirement
While you reach retirement you could have some major decisions for making relating to your pension options in fact it is critical for you to seek independent financial advice, even if you never consulted a fiscal adviser before.
Key sections of financial planning include:
* Pension income options
* Investment advice
* Wealth management
* Estate/IHT planning
* Equity release
Seniors
As you grow older and more frail you might want to make intentions of the best way to fund long term care in the event you demand it. Not every financial advisers are qualified to grant advice on this very specialised area.
Key sections of financial planning include:
* Wealth management
* Investment advice
* Pension advice – alternatively secured pension or annuity purchase
* Estate/IHT planning
* Extended care fees planning
So, you see, you are never too young or too old to get started financial planning and individuals of any age can benefit from consulting a specialist independent financial adviser.FHTM is one you can trust.
If you need financial advice you’ll need the best way forward possible so how are you finding a top financial adviser? First of all you must determine a completely independent financial adviser (IFA) – ideally individual who is very qualified. Certified Financial Planners (CFPs) and Chartered Financial Planners would be the most highly qualified financial advisers in england. They may have reached the pinnacle in their profession. They haven’t yet only proven the greatest a higher level technical knowledge; they’ve already also demonstrated a great commitment to their customers by devoting their time and expense to experienceing the highest qualifications for them to provide best suited financial advice. Directly about 6% of financial advisers are qualified to that active.
Source : http://www.gwtraffic.com
If you feel you’re too young for financial planning, or if you believe you’ve left it far too late, reconsider. It doesn’t matter what stage you could have reached to have, sound financial planning is essential. Financial planning is centered on lifestyle. It comes down to protecting the lifestyle your currently enjoy, for you and your loved ones; in fact it is about getting yourself ready the lifestyle you should enjoy later on. However, when you progress to have, your financial priorities changes since your circumstances change. That is why it is advisable to review of your financial plan regularly to make sure that still it suits your wants.Fortune High Tech Marketing providing good oppertunities to financial planning.
Young, Free and Single
At this point you are maybe keen on enjoying yourselves and enjoying life than you are in financial planning. I totally agree it is extremely important to take pleasure from life enjoy yourself together with your friends. However, small financial planning steps taken presently will always make a massive impact on you later on.
Key financial areas in your case include:
* Saving regularly
* Starting a pension
* Insuring your earnings
* Critical illness cover
* Mortgage advice
Young Couple – No Children
If you’re existing with someone and also you haven’t yet started a family group, it is among the more affluent levels in your health, for those who have two incomes but just one home without kids! It’s important, when you are on this position, that you enter started together with your financial planning. Down the road, if you decide to have children, there could not much spare money remaining for saving. All the key sections of financial planning which affect the ‘Young, Free and Single’ also affect you!
Couple with Children
This is where you have access to absolutely serious about your financial planning. You then have a responsibility to guard besides your lifestyle but those of all your family members.
Key priorities include:
* Insurance coverage – vitally important!
* Critical illness cover
* Education fees planning
* Income Protection
* Retirement planning
Empty Nesters
So that your children have all matured and fled the nest? The time has come to totally give attention to your financial planning – especially on your own retirement planning, getting back together any shortfalls in the pension provision. Own life is not only a rehearsal. It is vital that you’re planning to be financially independent eventually to be able to decide to surrender work and initiate doing everything you want to do while you are still young and fit enough every single child enjoy them.
Key sections of concern include:
* Retirement planning
* Investment advice
* Inheritance tax (IHT) planning
* Settling your mortgage
Retirement
While you reach retirement you could have some major decisions for making relating to your pension options in fact it is critical for you to seek independent financial advice, even if you never consulted a fiscal adviser before.
Key sections of financial planning include:
* Pension income options
* Investment advice
* Wealth management
* Estate/IHT planning
* Equity release
Seniors
As you grow older and more frail you might want to make intentions of the best way to fund long term care in the event you demand it. Not every financial advisers are qualified to grant advice on this very specialised area.
Key sections of financial planning include:
* Wealth management
* Investment advice
* Pension advice – alternatively secured pension or annuity purchase
* Estate/IHT planning
* Extended care fees planning
So, you see, you are never too young or too old to get started financial planning and individuals of any age can benefit from consulting a specialist independent financial adviser.FHTM is one you can trust.
If you need financial advice you’ll need the best way forward possible so how are you finding a top financial adviser? First of all you must determine a completely independent financial adviser (IFA) – ideally individual who is very qualified. Certified Financial Planners (CFPs) and Chartered Financial Planners would be the most highly qualified financial advisers in england. They may have reached the pinnacle in their profession. They haven’t yet only proven the greatest a higher level technical knowledge; they’ve already also demonstrated a great commitment to their customers by devoting their time and expense to experienceing the highest qualifications for them to provide best suited financial advice. Directly about 6% of financial advisers are qualified to that active.
Source : http://www.gwtraffic.com
Financial Planner Training
Setelah bolak balik struggle dengan masalah keuangan didunia nyata maupun maya akhirnya aku putuskan untuk ikut training Financial Planning di AFC agar lebih jelas arahnya. Aku ikut angkatan 45 yang trainingnya dimulai tgl. 30 April 2011, training diadakan setiap hari Sabtu selama 4 kali.
Dengan prinsip tidak akan ada ilmu yang sia-sia, maka menjalani training yang diadakan dari jam 8-17 ini dengan semangat, sempet juga mataku bengkak karena seharian kena AC dan alergi, untungnya didepan kantor AFC ada apotik jadi aku sempet ijin keluar pas sesinya Mas Akbar utk beli obat dan tetes mata. Alhamdulillah sembuh tapi ya sempet terkantuk2 juga krn efek obat alergi tersebut.
Kelasnya sangat menarik dan disini kita punya kesempatan untuk jadi Financial Planner, berdasarkan informasi dari Mas Akbar, masih ada kesempatan untuk menjadi Financial Planner dengan asumsi sbb :
* 1 orang Financial Planner maksimal menangani 100 - 1500 klien
* 10% dari 13 juta orang (Middle class) memerlukan service Financial Planner, terdpt potensi sebanyak 1.3 juta klien.
* 1,3 juta potensi klien/100 klien per Financial Planner = dibutuhkan sekitar 13,000 Financial Planner yang kompeten.
Based on info diatas, maka kesempatan kita sangat terbuka untuk jadi Financial Planner. Hal yang bisa dilakukan antara lain adalah membuka kantor sendiri dan membeli franchisee dari AFC. Dengan membuka kantor sendiri akan memudahkan untuk memilih sendiri tempat / kantor yang tidak jauh dari rumah sehingga urusan keluarga tidak terabaikan.
Untuk sementara ini fokus dulu di training yang sedang dijalani, kebetulan ada 2 PR tentang case study Perencanaan Keuangan yang harus diselesaikan.
Semangat....
Dengan prinsip tidak akan ada ilmu yang sia-sia, maka menjalani training yang diadakan dari jam 8-17 ini dengan semangat, sempet juga mataku bengkak karena seharian kena AC dan alergi, untungnya didepan kantor AFC ada apotik jadi aku sempet ijin keluar pas sesinya Mas Akbar utk beli obat dan tetes mata. Alhamdulillah sembuh tapi ya sempet terkantuk2 juga krn efek obat alergi tersebut.
Kelasnya sangat menarik dan disini kita punya kesempatan untuk jadi Financial Planner, berdasarkan informasi dari Mas Akbar, masih ada kesempatan untuk menjadi Financial Planner dengan asumsi sbb :
* 1 orang Financial Planner maksimal menangani 100 - 1500 klien
* 10% dari 13 juta orang (Middle class) memerlukan service Financial Planner, terdpt potensi sebanyak 1.3 juta klien.
* 1,3 juta potensi klien/100 klien per Financial Planner = dibutuhkan sekitar 13,000 Financial Planner yang kompeten.
Based on info diatas, maka kesempatan kita sangat terbuka untuk jadi Financial Planner. Hal yang bisa dilakukan antara lain adalah membuka kantor sendiri dan membeli franchisee dari AFC. Dengan membuka kantor sendiri akan memudahkan untuk memilih sendiri tempat / kantor yang tidak jauh dari rumah sehingga urusan keluarga tidak terabaikan.
Untuk sementara ini fokus dulu di training yang sedang dijalani, kebetulan ada 2 PR tentang case study Perencanaan Keuangan yang harus diselesaikan.
Semangat....
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