{"id":12590,"date":"2021-06-30T07:30:00","date_gmt":"2021-06-29T23:30:00","guid":{"rendered":"http:\/\/ringgitohringgit.com\/?p=12590"},"modified":"2022-03-11T12:33:27","modified_gmt":"2022-03-11T04:33:27","slug":"cfp-malaysia","status":"publish","type":"post","link":"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/","title":{"rendered":"My CFP Journey, Part 2: What I Learned in CFP Malaysia Module 1 &#038; 2"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#Taking_CFP_during_pandemic_vs_pre-pandemic\" >Taking CFP during pandemic vs pre-pandemic<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#CFP_Module_1_%E2%80%93_Foundation_in_Financial_Planning_and_Tax_Planning\" >CFP Module 1 &#8211; Foundation in Financial Planning and Tax Planning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#What_I_learned_from_CFP_Module_1\" >What I learned from CFP Module 1<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#Its_an_overview\" >It&#8217;s an overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#Get_a_financial_calculator\" >Get a financial calculator<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#CFP_Module_2_%E2%80%93_Insurance_Planning_and_Estate_Planning\" >CFP Module 2 &#8211; Insurance Planning and Estate Planning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#What_I_learned_from_CFP_Module_2\" >What I learned from CFP Module 2<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#The_different_types_of_insurance\" >The different types of insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#How_to_use_estate_planning_tools\" >How to use estate planning tools<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/#End_CFP_Modules_1_and_2_Onwards_to_CFP_Modules_3_and_4\" >End CFP Modules 1 and 2. Onwards to CFP Modules 3 and 4<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p>This is a continuation of the <a href=\"https:\/\/ringgitohringgit.com\/personal\/certified-financial-planner-in-malaysia-part-1\/\" target=\"_blank\" rel=\"noreferrer noopener\">My CFP Journey, Part 1: Why, Where and How Much to Be A Certified Financial Planner in Malaysia<\/a> article. As of time of writing, I have successfully completed CFP Module 1 and Module 2, or two out of the four modules required to be a Certified Financial Planner in Malaysia. <\/p>\n\n\n\n<p>CFP Module 1 and Module 2 covers Foundation in Financial Planning and Tax Planning, and Insurance Planning and Estate Planning, respectively. This is how my textbooks look like. Don&#8217;t be too intimidated by the thickness &#8211; the font is on the bigger side.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"12611\" data-permalink=\"https:\/\/ringgitohringgit.com\/personal\/cfp-malaysia\/attachment\/cfp-modules-textbook-malaysia\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?fit=1937%2C2048&amp;ssl=1\" data-orig-size=\"1937,2048\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"cfp-modules-textbook-malaysia\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?fit=284%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?fit=969%2C1024&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" width=\"969\" height=\"1024\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia.jpg?resize=969%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-12611\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?resize=969%2C1024&amp;ssl=1 969w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?resize=284%2C300&amp;ssl=1 284w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?resize=768%2C812&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?resize=1453%2C1536&amp;ssl=1 1453w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?w=1937&amp;ssl=1 1937w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?resize=560%2C592&amp;ssl=1 560w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?resize=600%2C634&amp;ssl=1 600w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?resize=57%2C60&amp;ssl=1 57w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2021\/06\/cfp-modules-textbook-malaysia-scaled.jpg?resize=85%2C90&amp;ssl=1 85w\" sizes=\"(max-width: 969px) 100vw, 969px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Taking_CFP_during_pandemic_vs_pre-pandemic\"><\/span>Taking CFP during pandemic vs pre-pandemic<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A quick disclaimer: I&#8217;ll be writing this in the POV of myself and my experience taking the CFP Modules through my education provider, so other people&#8217;s experiences may vary. I&#8217;m also taking CFP during the pandemic, which means all my classes were held online. <\/p>\n\n\n\n<p>The difference between online CFP classes and physical classes, as far as I could tell:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Online CFP Classes<\/strong><\/td><td><strong>Physical CFP Classes<\/strong><\/td><\/tr><tr><td>Weekends<\/td><td>Not sure <\/td><\/tr><tr><td>*6 classes <\/td><td>*6 classes (?) <\/td><\/tr><tr><td>4 hours per class (9am-1pm OR 1-5pm slot)<\/td><td>8 hours per class (9am-5pm )<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*Note: CFP Module 4, the last module and also I heard the hardest, contains more classes<\/p>\n\n\n\n<p>As you can see, online CFP classes take up HALF the time of physical CFP classes, so the efficient side of me is happy. I think online CFP classes would suit people who are good at self-studying, but I admit I miss the face-to-face interactions, as well as possible friendships with classmates. It&#8217;s just different with Zoom \ud83d\ude41<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"CFP_Module_1_%E2%80%93_Foundation_in_Financial_Planning_and_Tax_Planning\"><\/span>CFP Module 1 &#8211; Foundation in Financial Planning and Tax Planning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>CFP Module 1 &#8211; Foundation in Financial Planning and Tax Planning contains 11 topics:<\/p>\n\n\n\n<ol><li>Introduction to financial planning<\/li><li>Regulatory controls and practices affecting financial planning<\/li><li>Nature and scope of financial planning<\/li><li>The economic environment and its effects on financial planning<\/li><li>Analytical tools for financial planning professionals<\/li><li>Risk management and insurance planning <\/li><li>Investment planning<\/li><li>Taxation planning<\/li><li>Retirement planning and estate planning <\/li><li>The basis of a financial plan<\/li><li>Code of ethics<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_I_learned_from_CFP_Module_1\"><\/span>What I learned from CFP Module 1 <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Its_an_overview\"><\/span>It&#8217;s an overview <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Module 1 mostly covers the basics &#8211; many topics are further expanded in:<\/p>\n\n\n\n<ul><li>CFP Module 2 &#8211; Insurance and Estate Planning<\/li><li>CFP Module 3 &#8211; Investment Planning and Retirement Planning<\/li><li>CFP Module 4 &#8211; Financial Plan Construction<\/li><\/ul>\n\n\n\n<p>It also covers the basics of economics, Malaysia&#8217;s financial regulatory landscape, and the financial planning profession itself. Anyone with a passing interest in these things would have known of the information. I did, but it&#8217;s good to know in a structured format. <\/p>\n\n\n\n<p>I like the part on Code of Ethics. They really remind you that certified financial planners serve the client, and are NOT product pushers. Everything you do, you have to do it in the client&#8217;s best interest, not your pocket. I really appreciate that part.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get_a_financial_calculator\"><\/span>Get a financial calculator<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In the first class of CFP Module 1, we were quickly told to get a financial calculator. I didn&#8217;t even know such tools existed!<\/p>\n\n\n\n<p>There are various models, but you should get the financial calculator your lecturer recommended, just to make your life easier. Our lecturer suggested two models, Casio FC-200V and HP10bII+, and highly recommended the former, so that&#8217;s what I got. <\/p>\n\n\n\n<p>Protip: <a href=\"https:\/\/invol.co\/cl4pj8m\" target=\"_blank\" rel=\"noreferrer noopener\">A new financial calculator costs around RM130-160 in Shopee<\/a>. Go find a secondhand one on Carousell or other platforms. I got mine for RM70 yay. <\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-instagram wp-block-embed-instagram\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"sbi-embed-wrap\"><blockquote class=\"instagram-media sbi-embed\" data-instgrm-captioned data-instgrm-permalink=\"https:\/\/www.instagram.com\/p\/CI4Y3ggJIZ7\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:658px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/p\/CI4Y3ggJIZ7\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\"><\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">View this post on Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/p\/CI4Y3ggJIZ7\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\">A post shared by Suraya Zainudin (@surayaror)<\/a><\/p><\/div><\/blockquote><script async src=\"\/\/platform.instagram.com\/en_US\/embeds.js\"><\/script><\/div>\n<\/div><\/figure>\n\n\n\n<p>In case you ask &#8211; no, <span style=\"text-decoration: underline;\">you don&#8217;t need to be good at maths to be a financial planner<\/span>. As long as you do the practice questions, you should get the hang of the calculations quickly enough. My education provider also holds optional classes just to practice financial calculations every semester<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"CFP_Module_2_%E2%80%93_Insurance_Planning_and_Estate_Planning\"><\/span>CFP Module 2 &#8211; Insurance Planning and Estate Planning <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>CFP Module 2 &#8211; Insurance and Estate Planning contains 18 topics:<\/p>\n\n\n\n<ol><li>Fundamental concepts in risk management <\/li><li>Insurance fundamentals<\/li><li>Legal principles in insurance<\/li><li>The role of insurance in financial planning<\/li><li>Factors affecting life insurance needs<\/li><li>Understanding life insurance policy contracts and takaful<\/li><li>General insurance policy contracts<\/li><li>Health insurance<\/li><li>Annuity policy contracts<\/li><li>Legislation and rules in the insurance industry<\/li><li>Consumer protection and codes of practice<\/li><li>Estate planning fundamentals<\/li><li>Wills and will planning<\/li><li>Trust<\/li><li>Power of Attorney<\/li><li>Duties and Powers of the Personal Representative<\/li><li>Rights of beneficiaries<\/li><li>Special estate planning issues for business owners<\/li><\/ol>\n\n\n\n<p>Unlike CFP Module 1, CFP Module 2 really doubled down on legalese, so I forced my inner lawyer to wake up and pay attention. I learned so many new terms and jargon!<\/p>\n\n\n\n<p>As for the financial calculations, it&#8217;s minimal in comparison, but apparently they will come back with a vengeance in Modules 3 and 4 \ud83d\ude00 <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_I_learned_from_CFP_Module_2\"><\/span>What I learned from CFP Module 2<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_different_types_of_insurance\"><\/span>The different types of insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most people have heard of life insurance, health, critical illness, fire, car, etc. And yes the module covers those in detail. This is the majority of insurance content targeted to consumers like you and me. (I also <a href=\"https:\/\/ringgitohringgit.com\/?s=insurance\" target=\"_blank\" rel=\"noreferrer noopener\">write about insurance<\/a> here in RoR)<\/p>\n\n\n\n<p>But additionally, in CFP Module 2 I found out there are more types of insurance products, not just for personal use but also for businesses as well. They can get incredibly specific and random, like, uh, Golf insurance<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">CFP lesson today, learning about General Insurance. TIL &#8211; Golf insurance<\/p>&mdash; Suraya ringgitohringgit.com (@surayaror) <a href=\"https:\/\/twitter.com\/surayaror\/status\/1378236009926651906?ref_src=twsrc%5Etfw\">April 3, 2021<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p>and Marine insurance<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Marine insurance is used to cover losses for vehicles carrying cargo not just via sea, but ALSO by air and road, which makes NO SENSE, naming-wise <a href=\"https:\/\/t.co\/cRaTyXGN80\">https:\/\/t.co\/cRaTyXGN80<\/a><\/p>&mdash; Suraya ringgitohringgit.com (@surayaror) <a href=\"https:\/\/twitter.com\/surayaror\/status\/1378261459776405507?ref_src=twsrc%5Etfw\">April 3, 2021<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p>I think, if you&#8217;re a naturally paranoid person, you will go NUTS over all the possible types of things that *may* go wrong, that you have not even considered before. Fun. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_use_estate_planning_tools\"><\/span>How to use estate planning tools<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This part was incredibly fascinating, I was engrossed by the different financial tools you can use in different scenarios to decide where your wealth goes after you&#8217;re gone (or comatose or physically\/mentally incapable of taking care of yourself). <\/p>\n\n\n\n<p>Listen, if you&#8217;re petty &#8211; and I&#8217;m not saying that to judge, I&#8217;m hella petty myself &#8211; you should hire an estate planner. Go ahead and make a list of people you want to leave money\/assets behind and DON&#8217;T want to leave assets behind, then use wills, trusts, hibah, whatever, to serve your wishes. It&#8217;ll make the thought of dying less morbid, in an &#8216;I&#8217;ll have the last laugh&#8217; kinda way. <\/p>\n\n\n\n<p>More info on getting estate planner (a specialisation of financial planner) &#8211; <a href=\"https:\/\/ringgitohringgit.com\/personal-finance-community\/financial-planner\/\" target=\"_blank\" rel=\"noreferrer noopener\">4 Places to Find &amp; Hire A Financial Planner in Malaysia<\/a><\/p>\n\n\n\n<p>Additionally, if you&#8217;re Muslim AND have irresponsible male family members who will get an inheritance under faraid but you KNOW is not deserving of the money, then check out <a href=\"https:\/\/ringgitohringgit.com\/money-management\/islamic-inheritance-laws-malaysia\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Avoid Islamic Inheritance Laws in Malaysia<\/a> article. Important: read the comments section for input (and contacts) of actual Islamic estate planners. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"End_CFP_Modules_1_and_2_Onwards_to_CFP_Modules_3_and_4\"><\/span>End CFP Modules 1 and 2. Onwards to CFP Modules 3 and 4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>According to my education provider, CFP Module 1 and Module 2 are fairly easy classes, with high passing rates (provided you put in the effort of course). It&#8217;s CFP Module 3 and Module 4 that you have to worry about. <\/p>\n\n\n\n<p>As of time of writing, I have enrolled myself into Module 3 and bucking myself up for topics related to investment planning and retirement planning. I&#8217;m not going to worry about the exams now &#8211; as they say, <strong>worrying early means you suffer twice <\/strong>\ud83d\ude00 <\/p>\n\n\n\n<p>I hope you enjoyed Part 2 of my CFP journey. If you missed the first part, please read it here: <a href=\"https:\/\/ringgitohringgit.com\/personal\/certified-financial-planner-in-malaysia-part-1\/\" target=\"_blank\" rel=\"noreferrer noopener\">My CFP Journey, Part 1: Why, Where and How Much to Be A Certified Financial Planner in Malaysia<\/a><\/p>\n\n\n\n<p>Any of you taking CFP currently? Any of you have taken it before? What did you learn from your last module, and do you have any study tips to share? <\/p>\n\n\n\n<p>Also &#8211; if you took CFP pre-pandemic &#8211; aside from connections with classmates, what else did I miss out on? Please share with us your experience in the comments section below!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This is a continuation of the My CFP Journey, Part 1: Why, Where and How Much to Be A&#8230;<\/p>\n","protected":false},"author":1,"featured_media":12723,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":"","_jetpack_memberships_contains_paid_content":false},"categories":[5],"tags":[1076,1075],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>My CFP Journey, Part 2: What I Learned in CFP Malaysia Module 1 &amp; 2 - Ringgit Oh Ringgit<\/title>\n<meta name=\"description\" content=\"Completing CFP Malaysia modules 1 and 2 means I am halfway through my journey! 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