{"id":152,"date":"2025-09-29T04:16:06","date_gmt":"2025-09-29T10:16:06","guid":{"rendered":"https:\/\/eduvate.in\/lms\/?post_type=courses&#038;p=152"},"modified":"2025-09-29T10:16:12","modified_gmt":"2025-09-29T10:16:12","slug":"understand-personal-finance-for-smart-living","status":"publish","type":"courses","link":"https:\/\/eduvate.in\/lms\/course\/understand-personal-finance-for-smart-living\/","title":{"rendered":"Understand Personal Finance for Smart Living"},"content":{"rendered":"<p>In today\u2019s fast-paced world, managing personal finances is not just a skill\u2014it&#8217;s a necessity. This program is designed to empower individuals with the knowledge and tools to make informed financial decisions, align spending with life goals, and build a secure financial future. Whether you&#8217;re just starting your career or looking to optimize your financial habits, this course offers practical insights tailored for smart living.<\/p>\n<p><strong>Objectives of the Program<\/strong><\/p>\n<p><strong>The program aims to:<\/strong><\/p>\n<ul>\n<li>To build foundational knowledge of personal finance principles for informed decision-making.<\/li>\n<li>To enable participants to create and manage personalized financial plans aligned with life goals.<\/li>\n<li>To develop practical skills in budgeting, saving, debt management, and financial goal setting.<\/li>\n<li>To foster financial confidence and independence for long-term well-being and smart living.<\/li>\n<\/ul>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td width=\"37%\">\n<p><strong>Module<\/strong><\/p>\n<\/td>\n<td width=\"62%\">\n<p><strong>Key Topics<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"37%\">\n<p><strong>Module 1: Myths in personal finance: Setting expectations right<\/strong><\/p>\n<\/td>\n<td width=\"62%\">\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 How much return is too much return<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Absolute vs annualised return;<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 How savings deplete without you knowing<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Is insurance really a scam?<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"37%\">\n<p><strong>Module 2: Understand all about salary<\/strong><\/p>\n<\/td>\n<td width=\"62%\">\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Gross\/net salary\/CTC\/in-hand<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 HRA\/special allowance\/TDS<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 EPF\/NPS (only in the context of salary)<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 How ESOPs work<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"37%\">\n<p><strong>Module 3: Learn all about NPS<\/strong><\/p>\n<\/td>\n<td width=\"62%\">\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 All-citizen model vs corporate NPS<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Relevance of NPS in new tax regime<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Why NPS matters in retirement planning<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 NPS investment and withdrawal rules<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"37%\">\n<p><strong>Module 4: Introduction to the stock market<\/strong><\/p>\n<\/td>\n<td width=\"62%\">\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 How stock market works: Largecap, midcap, smallcap<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Fundamental analysis: How to pick stocks, IPOs<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Risks in direct equity investments<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Why futures &amp; options don&#8217;t work for most cryptos &amp; other popular investments<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"37%\">\n<p><strong>Module 5: How to choose the right financial advisor<\/strong><\/p>\n<\/td>\n<td width=\"62%\">\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mutual fund distributors<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Registered investment advisors<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Bank relationship managers\/Cas PMS managers\/research analysts<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Wealth managers<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 AI advisors<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 data-start=\"734\" data-end=\"762\"><strong data-start=\"738\" data-end=\"760\">**Terms &amp; Conditions**<\/strong><\/h3>\n<p data-start=\"763\" data-end=\"933\"><em data-start=\"763\" data-end=\"931\">Please note that the meeting time and date are subject to change. Eduvate India will notify all registered students in advance in case of any rescheduling or updates.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In today\u2019s fast-paced world, managing personal finances is not just a skill\u2014it&#8217;s a necessity. This program is designed to empower [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":185,"template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}}},"course-category":[22],"course-tag":[],"class_list":["post-152","courses","type-courses","status-publish","has-post-thumbnail","hentry","course-category-eduvators-rapid-skills-accelerator-program"],"_links":{"self":[{"href":"https:\/\/eduvate.in\/lms\/wp-json\/wp\/v2\/courses\/152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eduvate.in\/lms\/wp-json\/wp\/v2\/courses"}],"about":[{"href":"https:\/\/eduvate.in\/lms\/wp-json\/wp\/v2\/types\/courses"}],"author":[{"embeddable":true,"href":"https:\/\/eduvate.in\/lms\/wp-json\/wp\/v2\/users\/1"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eduvate.in\/lms\/wp-json\/wp\/v2\/media\/185"}],"wp:attachment":[{"href":"https:\/\/eduvate.in\/lms\/wp-json\/wp\/v2\/media?parent=152"}],"wp:term":[{"taxonomy":"course-category","embeddable":true,"href":"https:\/\/eduvate.in\/lms\/wp-json\/wp\/v2\/course-category?post=152"},{"taxonomy":"course-tag","embeddable":true,"href":"https:\/\/eduvate.in\/lms\/wp-json\/wp\/v2\/course-tag?post=152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}