CATEGORY TYPE: Banking

COURSE NAME:Basics of savings and investment


UPCOMING EVENTS


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This course can be scheduled at your convenience, to request this course please click here
INTRODUCTION:

 

Saving is income not spent, or deferred consumption. Methods of saving include putting money aside in, for example, a deposit account, a pension account, an investment fund, or as cash. Saving also involves reducing expenditures, such as recurring costs. In terms of personal finance, saving generally specifies low-risk preservation of money, as in a deposit account, versus investment, wherein risk is higher; in economics more broadly, it refers to any income not used for immediate consumption.

"Saving" differs from "savings." The former refers to an increase in one's assets, an increase in net worth, whereas the latter refers to one part of one's assets, usually deposits in savings accounts, or to all of one's assets. Saving refers to an activity occurring over time, a flowvariable, whereas savings refers to something that exists at any one time, a stock variable. This distinction is often misunderstood, and even professional economists and investment professionals will often refer to "saving" as "savings" .

There is some disagreement about what counts as saving. For example, the part of a person's income that is spent on loan repayments is not spent on present consumption and is therefore saving by the above definition, even though people do not always think of repaying a loan as saving. However, in the U.S. measurement of the numbers behind its gross national product (i.e., the National Income and Product Accounts), personal interest payments are not treated as "saving" unless the institutions and people who receive them save them.

Saving is closely related to investment. By not using income to buy consumer goods and services, it is possible for resources to instead be invested by being used to producefixed capital, such as factories and machinery. Saving can therefore be vital to increase the amount of fixed capital available, which contributes to economic growth.

However, increased saving does not always correspond to increased investment. If savings are stashed in or under a mattress, or otherwise not deposited into a financial intermediary such as a bank, there is no chance for those savings to be recycled as investment by business. This means that saving may increase without increasing investment, possibly causing a short-fall of demand (a pile-up of inventories, a cut-back of production, employment, and income, and thus a recession) rather than to economic growth. In the short term, if saving falls below investment, it can lead to a growth of aggregate demand and an economic boom. In the long term if saving falls below investment it eventually reduces investment and detracts from future growth. Future growth is made possible by foregoing present consumption to increase investment. However savings kept in a mattress amount to an (interest-free) loan to the government or central bank, who can recycle this loan.

OBJECTIVES:

 This course offers an overview of the key equity INVESTMENT products, why companies issue equities, the attraction of buying equities and how equities are traded.  An excellent introduction to equity as an investment class.

This course gives an overview of the key players in, and products of, the fixed income market.   We will cover everything from ‘what is a bond?’ to some basic understanding of the yield curve and the ideas of credit and interest rate risk.  This would be an excellent introduction to prepare participants for the other more detailed courses in this area.

This course give an overview of the principles of credit risk, the operational and regulatory framework and how it is managed.  It starts at a basic level of understanding the risks and exposures and moves on to cover the credit derivative market and suitable products to mitigate risks.

OUTLINE:
  • Defining “Investor Education”
  • Why people save and invest
  • How to think about making financial decisions
  • Key concepts of saving and investing
  • Why people save and invest
  • Developing a personal financial/investment plan
  • Understanding risk and reward
  • How financial markets work
  • Savings, stocks, bonds, mutual funds and other investments
  • Regulation of financial markets
  • Introduction to financial/investment plans and core concepts
  • Framing a plan to meet students’ financial goals
  • Selecting financial professionals
  • Introduction to investment scams
  • How telemarketing fraud works: Inside a “Boiler Room”
  • Teach your students to become “Victim Proof”: Self-defense tips against fraud
  • How regulators protect investors
WHO SHOULD ATTEND:
  • Investment officers .
  • Treasury .
  • Credit officers
  • Credit Risk Officers .
  • Credit Risk Seniors .
  • Accountants.
  • Financial analysis .
  • Auditors .
  • Operations supervisors.
  • Trade Finance officers .
  • The banking sector staff from modern and medium levels of expertise in credit facilities with various divisions: individuals facilities, corporate facilities, SMEs facilities,  and banking circles risk, credit operations and services, and treasury departments, and sales departments.
DURATION:
    • 5 Day(s)
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    Sabic

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    Saudi Aramco

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    Al Khodari Company

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    Al Khodari Company

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    Al Khodari Company

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    Al Khodari Company