Dates: From 02/17/2021 to 03/24/2021
Place: Palacio de la Bolsa, Madrid and Online
Hours: Monday and Wednesday from 6:00 p.m. to 9:00 p.m.
Duration: 39 hours
Price: 550 €PresentationNovelty:
This year, to the development of the course in face-to-face format, we added the flexibility of being able to attend the sessions VIRTUAL by broadcasting them via live streaming. In this way, an alternative is given to those interested who, due to professional or personal circumstances, cannot attend the course.
This circumstance also offers an added advantage for all those professionals who reside outside of Madrid and who have difficulties to regularly attend face-to-face classes, since they will be able to enroll in the course in virtual format without having to travel to attend the classes through the classroom. virtual.
If you are interested in taking advantage of this modality, indicate that you must include the following code, in the discount code section when registering: "VIRTUAL". € 440.00
The need to save and properly invest family assets affects all citizens, a need that has become even more necessary with the two crises that have been experienced in this century. However, very few have received or have the necessary training to take charge of making decisions that are needed in terms of savings and investment for their proper management.
In order to provide the necessary knowledge for day-to-day wealth management, Instituto BME has been offering this course for a long time, the objective of which is to provide basic financial knowledge in matters of personal finance.
In this call, the course has been remodeled including new aspects of total relevance such as: venture capital funds, SPACs, tax-subsidized products (Pias, Cialp and Sialp), real estate investment, financial psychology, fintech, ESG and tax planning . A new practical class is added to the existing ones to understand and understand the importance of financial planning as a basis for decision making.
During the sessions of the same, the basic and essential concepts in the field of personal finance are analyzed and exposed, both theoretically and practically. Precisely before this double need, theory and practice, the development of the course includes the following aspects:Theoretical classes where the theoretical concepts are seen, although each of them is illustrated with practical examples that are being produced at the time of the sessions
In addition to the theoretical classes, the program has three practical sessions. Two of them are taught by Gesconsult where specific practical cases will be developed that attendees should know about financial advice. The third practical session is paid for by the Association of Educators and Financial Planners, where a financial planning session is held for a family showing the tools they have and the possibilities it allows.
In addition, a virtual library such as more than 40 books, guides, reports or data so that those who want it can expand the knowledge that is covered in the course. These guides can be downloaded for later conservation by the student.
At the end of each module of the course, a booklet with exercises will be provided for voluntary resolution, the booklet includes the answers for a self-evaluation
Finally and for a better use there is a forum for doubts so that any attendee can raise the questions with which they have problems or are most concerned about the topics discussedAddressed toIndividual investors who wish to optimize the management of their wealth, regardless of the amount thereof
People who are interested in acquiring knowledge about personal finances and are starting to manage their wealth
Students of studies related to economics or law who want to have a knowledge of the fundamentals, characteristics and principles of personal finance
Members of family groups whose assets have a remarkable volume but who do not have the knowledge, to understand and control the financial and investment needs, necessary
In general to all those who are interested in personal and family financesIt is important to note that the presentations start from a minimum level of knowledge without specific prior knowledge needs. In any case, and to standardize the level of the attendees for each module, as mentioned above, a series of readings will be provided that allow a better use of the sessions, as well as the possibility of deepening them.objectiveThe objective of this course is to provide the essential knowledge to carry out an adequate management of individual or family wealth, applying a series of simple and very effective principles and processes and analyzing the characteristics of different financial assets, as well as the main techniques and tools for manage them. During the sessions, the main concepts are exposed, highlighting the most important aspects to take into account, also providing a series of guides and books so that the student can go deeper into each topic by himself.
The chronology of the course in the first place in addressing the needs that people face from the point of view of life goals. Subsequently, the main assets, instruments, savings-investment products and savings-investment policies are analyzed.
The principles of fundamental, technical and financial behavior analysis are described below. It immediately goes on to topics of wealth management and fundamental aspects to always have in force when making or owning investment portfolios.
Finally, how could it be otherwise, the course offers a module on the basics of assets, instruments, investment products and insurance in order to know what the financial-fiscal profitability of each of them isTemaryModule 1: Financial Planning: the basis of wealth management.Financial planning concept:What is financial planning.
Services that include: protection, liquidity, objectives, retirement, taxation, succession. Benefits2. The planning process:Definition of objectives and priorities: time horizon, determining factors (personality, training, experience), risks, profitability.
Analysis of the financial situation: financial statements, equity projections, educational needs. Non-financial risks and financial risks.Practical Case 1: How to successfully face a meeting with a financial advisor. GESCONSULT
Module 2: Assets and products for equity investment.Fixed income: the curve of interest rates, monetary assets, Public Debt, private fixed income.
Equities: shares, capital increases, dividends and premiums, capital reductions.
Derivatives: futures, options, warrants, certificates, CFDs, contracts for difference.
Non-financial assets in financial portfolios: commodities, cyber currencies, gold.
Investment funds: categories (typology by asset management), Hedge Funds and absolute returns, guaranteed, index funds and ETFs, selection of investment funds.
Venture capital and financing funds
Social security: pension plans and funds, insured pension plans, insured pension plans.
Insurance: risk, savings, capitalization, referenced, unit-linked. PIAS, SIALP-CIALP
Real estate investment: direct and indirectPractical Case 2: Financial planning practical case. AEPF
Module 3: Analysis, investment strategies, fintech.Analysis: fundamental
Technical and graphic analysis
Diagnosis of the patrimonial situation: financial, fiscal.
Management strategies: financial management, passive management, referenced management, active management, absolute profitability, assured, matching of flows.
Wealth management: wealth growth, income growth, asset consumption management.
Management aimed at transmission.
Derivatives strategies: hedging, speculation, structured.
ESG (environment, social and governance) criteria in wealth management
Fintech: robo advisor, financing platforms, other figuresModule 4: Execution of strategies. Rebalancing and restructuring. Taxation.Execution of strategies: suppliers, union of interests, commissions and expenses.
Restructuring: analysis and study of results, restructuringModule 5: Introduction to investment taxation.Introduction to taxation in Spain
Introduction to Personal Income Tax
Basic taxation of financial assets
Basic taxation of real estate assetsPractical Case 2: Analysis of customer investment experiences. AEPFObservationsThe sessions will take place on February 17, 22, 24 and on March 1, 2, 3, 8, 9, 10, 15, 17, 22, 24, 2021.
In total there are 39 hours of classes divided between 33 of theoretical classes and 6 of practical classes.
In general, the hours of the sessions will be from 6:00 p.m. to 9:00 p.m. However, the sessions corresponding to the practical cases on March 2, 9 and 17 will be from 6:00 p.m. to 8:00 p.m.
Students who choose the "virtual" version will receive the password to access the classroom by email on the Friday of the week prior to the start of the course where they can download the course documentation and an explanatory document on the operation of the platform.
Instituto BME will issue a certificate of having been enrolled in the course to all participants. In the event that you want to obtain a certificate of achievement of the course, you must pass a short test.