Financial Literacy & Investing Course

Description

Module 1: Introduction to Financial Literacy

• Importance of financial literacy in personal and professional life

• Understanding income, expenses, and cash flow

• Setting short-term and long-term financial goals

• The role of discipline in wealth building

Module 2: Budgeting & Money Management

• Creating and maintaining a personal budget

• Tracking expenses effectively

• Needs vs. wants: making smarter spending decisions

• Tools and apps for money management

Module 3: Saving & Emergency Planning

• Importance of saving early

• Different types of savings accounts

• Building an emergency fund

• Strategies for consistent saving habits

Module 4: Understanding Credit & Debt Management

• Credit scores and credit reports explained

• Good debt vs. bad debt

• Strategies to reduce and manage debt

• How to use credit cards responsibly

Module 5: Introduction to Investing

• Why investing matters for long-term wealth

• Risk vs. return in investments

• The power of compounding

• Time horizons and investment objectives

Module 6: Investment Options & Strategies

• Stocks, bonds, and mutual funds

• ETFs and index funds

• Real estate investment basics

• Diversification and portfolio allocation

Module 7: Retirement & Long-Term Planning

• Understanding retirement accounts (EPF, NPS, IRAs, 401k, etc.)

• Calculating retirement needs

• Strategies for early retirement

• Tax planning for retirement savings

Module 8: Risk Management & Insurance

• Importance of financial risk management

• Life, health, and property insurance basics

• How insurance fits into financial planning

• Avoiding common insurance mistakes

Module 9: Behavioral Finance & Decision Making

• How emotions affect financial decisions

• Common investment biases and how to avoid them

• Staying disciplined in volatile markets

• Building a long-term financial mindset

Module 10: Capstone Project

• Create a personal financial plan and investment strategy

• Analyze and present a mock investment portfolio

• Peer and mentor feedback for improvement