Investment and Wealth Creation

Course Duration: 8–12 weeks (flexible)
Target Audience: Beginners to intermediate learners
Outcome: Students develop a long-term, disciplined, and ethical approach to building wealth

Module 1: Foundations of Wealth Creation

• What is wealth? (Income vs. assets vs. net worth)
• The power of compounding
• Short-term gains vs. long-term wealth
• Financial ethics and responsibility
• Mindset: patience, discipline, and delayed gratification

Activity: Net worth calculation & goal setting

Module 2: Personal Financial Readiness

• Budgeting and cash flow management
• Emergency funds and risk protection
• Good debt vs. bad debt
• Credit management
• Avoiding lifestyle inflation

Activity: Create a personal financial plan

Module 3: Understanding Risk and Return

• Risk tolerance vs. risk capacity
• Inflation and purchasing power
• Diversification principles
• Behavioral finance and emotional investing
• Avoiding get-rich-quick schemes

Case Study: Market bubbles and crashes

Module 4: Investment Vehicles and Asset Classes

• Stocks and equity markets
• Bonds and fixed-income investments
• Mutual funds and ETFs
• Real estate investing
• Alternative investments (commodities, private equity, crypto—risks emphasized)

Activity: Asset class comparison worksheet

Module 5: Stock Market Investing Fundamentals

• How stock markets work
• Fundamental vs. technical analysis (introductory)
• Valuation basics
• Dividends and growth investing
• Long-term investing strategies

Simulation: Build a mock investment portfolio

Module 6: Real Estate and Business Investing

• Rental properties and REITs
• Leverage and cash flow analysis
• Business ownership and entrepreneurship
• Passive vs. active income
• Legal and ethical considerations

Project: Evaluate a real estate or business investment

Module 7: Portfolio Construction and Management

• Asset allocation strategies
• Rebalancing techniques
• Tax-efficient investing
• Investment fees and cost control
• Monitoring performance vs. overtrading

Activity: Design a long-term diversified portfolio

Module 8: Wealth Protection and Sustainability

• Insurance and risk mitigation
• Estate planning basics
• Retirement planning
• Charitable giving and impact investing
• Intergenerational wealth transfer

Discussion: Money, values, and legacy

Module 9: Behavioral and Psychological Aspects of Investing

• Fear, greed, and herd behavior
• Discipline during market volatility
• Developing an investment philosophy
• Learning from mistakes

Exercise: Write a personal investment policy statement

Module 10: Ethical and Responsible Investing

• Environmental, Social, and Governance (ESG) investing
• Social impact investing
• Avoiding fraudulent schemes
• Responsible use of wealth

Case Study: Ethical dilemmas in investing