20-Credit IIROC Cycle 10 Professional Development (PD) Course Roster

Well, maybe fun is a slight exaggeration. The point here is that there are many good reasons for fund investing. Leave aside the negative aspects of fees, charges, loads, risks, and volatility of investment funds. Focus the decision about fund investing on the many positive features and advantages that funds offer.

This course puts a positive spin on the proposition you put before clients.

• Review the characteristics, features, benefits, and advantages of funds and fund investing;
• Receive insight into how funds can be used to champion a cause, interest, or belief through socially responsible investing
• Learn the ways of tailoring a fund to the aptitude and needs of the investor;
• Analyze the potential of funds for managing risk.

Risk is synonymous with uncertainty. The risk a person is willing to take is a result of his or her psychology, life experiences, social conventions, intelligence, and age amongst other factors. Where does that put you when you must gather information about the risk characteristics of a person and apply them to a product with its own risk profile? It puts you in a position in which information, analysis, and thought is required to arrive at appropriate answers.

If you have client-facing responsibilities for investments or insurance, you will come away from this course with a new appreciation for the role of risk and its repercussions.

• The role of disclosure to risk;
• The three measurements in a risk profile: tolerance, capacity, and need;
• The dilemma of applying risk assessment to decision-making.

Retirement Decumulation focusses on the subjects of accumulation (saving for retirement) and decumulation (spending in retirement). Decumulation may be a buzz word but it is a very serious subject that describes the deterioration of retirement savings. This course addresses the contentious issues of how much needs to be saved and how retirement income is created for spending — or saving — purposes.

• Start with a review of the accumulation process and the necessity to know the client and plan for decumulation;
• Continue with a review of the factors that impact retirement;
• Conclude with a review of how to create the individual retirement pay-cheque within limitations and constraints.

From having a second look at savings strategies through to D-Day (Decumulation Day), find ideas to create a retirement paycheque for your client.

Look around: there are small business owners everywhere. Your coffee shop, hair dresser, restaurants, car dealers, computer shops, florist, butcher, baker, and candlestick maker. These owners are invested in their business. If they only knew how insurance protects their investment.

You can illustrate the protection offered by insurance with answers to questions that may be as fundamental as the necessity of insurance — and as complex as the models of shareowner buy-outs. This course shows how.

• Learn how to protect the personal and corporate interests of business owners with appropriate insurance coverage;
• Get top tips for an exit strategy;
• Build your expertise and confidence in order to excel in the business insurance market.