Knowing how and when to apply investment information and knowledge to

your advantage are key building blocks behind any successful savings and wealth

management plan. To do this you need to understand the what, why and risks inherent

in any investment product and service. Not all investments turn out well. You will be

disappointed. How do you decide which are suitable and appropriate for you? You will

be given information, advice and recommendations but are you confident that any

para-planned outcomes will be delivered? Whether you are a “mum and dad” investor,

moving into the industry for the first time, a student, day trader or just interested in

capital markets as a hobby or a career this programme will be right for you.

Dynamique

BE IN CONTROL OF YOUR MONEYUNDERSTAND

THE MARKETS

Bond, equities, hedge

funds, derivatives, futures, options, NZX, FMA regulation , commodities,

growth, performance fees, best execution, MER, expensive versus cheap, active versus passive, KiwiSaver, PIEs, and the list goes on each

one a potential trap for the unwary.

HURRAH! At last an easy to use on-line financial training and awareness system to help you to better manage

your hard earned wealth.

KNOWLEDGE * EMPOWERMENT * CONTROL * RESULTSA series of wealth management training programmes designed

for you, taking the complex and making it simple

KNOWLEDGE * EMPOWERMENT * CONTROL * RESULTS

So how much does this programme cost? The programme costs NZ$75 per

user per annum during the initial three month launch period. How do you

know if you have understood what you’ve read? No worries! There is a built in

multiple choice quiz at the end of each investment brief: it’s fun and optional.

There is one big advantage should you decide to test your knowledge.

If you achieve an 80% pass rate, you will qualify to receive two structured

continuing professional development hours which can be used in your own

CPD programme. For example many professions and financial service firms

require you to achieve a minimum number of CPD hours per year to maintain

your practicing certificate.

eBrief no. What you will learn from this comprehensive programme

100 » What forces drive global and local capital markets » Who can access the capital markets directly » How prices are quoted, communicated, trades settled, and transaction types » Importance of market liquidity

101 » Importance of identifying your goals and needs » Importance of clearly identifying your own free cash-flow for saving » Understanding that risk and return go hand-in-hand but not always

102 » Risk is the return driver of an investment » Even the most professional of investors get risk assessments wrong » Predicting future trends is difficult with today’s economy (think Global Financial Crisis)

103 » Gain clear picture of your current income and expenditure » Consider whether you are mentally prepared to make that saving commitment » Commit yourself to an appropriate, timely review cycle of your financial circumstances

104 » Have short term funds set aside for the “known unknowns” (quote Donald Rumsfeld) » Keep your portfolio cash holdings as low as possible » Select good yielding near cash short-term assets with strong credit ratings » Don’t forget to also ask your AFA what exactly is in the near cash fund

105 » Apply a disciplined approach to any investment » Analyse and understand the business of the company whose shares you are buying » Not be put off by short term dips which brokers love to call “market corrections” or

“good buying opportunities”

106 » Active management style must generate profit after transaction costs, fees and taxes » Investment returns evaluated on actual cash that “sees the inside of your wallet!”

107 » Active funds rarely beat the market index » Passive funds are much cheaper than active funds

108

» Range of financial instruments traded on the NZ market » What benefits do owning shares bring to investors » Why companies seek a listing and issue shares » Factors that affect share prices » Not all share listings are good for all companies » Sequence of events when placing an order with your stockbroker

KNOWLEDGE * EMPOWERMENT * CONTROL * RESULTS

eBrief no. What you will learn from this comprehensive programme

109 » How bonds differ from equities: an investor’s perspective » Bonds have a different trading and distribution methodology » How changes in Reserve Bank of New Zealand’s Official Cash Rate impact bond values

110 » Type of investment report you should expect to receive from your AFA » The important facts on which you should focus » Importance of investment strategy in determining returns » Why it is critical to understand the cash flow statement accompanying valuation

111 » Types of funds available in the local market unit trust based and super funds » Important for trustees to police manager’s adherence to investment policy » Investment policy must cover - Risk Exposure: Investment Horizons: Liquidity: Market Risk

112 » Reasons that may limit you taking the “Do-it Yourself” route » What differentiates value from growth shares » Variety of strategies and sub-funds available

113 » Know where to look if errors or delays occur in the trade settlement process » Keep a watchful eye on any errant brokerage or investment costs » Know where and how your assets are held – separate client money accounts » Be clear as to the investing process ‘Post broker instruction” » Be clear as regards your legal /ownership title

114 » Snap history on New Zealand stock exchange helps understand role played in NZ capital markets » How indices are used to benchmark and risk manage fund performance » Difference between primary and secondary markets » Useful daily share price information available in local quality newspapers

115 » Shortcomings and lack of diversifiable opportunities when investing in a small market » Risk of buying shares already “fully priced” – do not overpay » Fifteen things to consider when buying small company shares

116 » What are the underlying characteristics of good companies and therefore good shares » Importance of market timing and market behaviour when buying and selling shares » Low priced and neglected shares offer potential opportunities » Stockbrokers analysts may influence share prices more than financial journalists’ tips » Analysts’ reports are often biased by client relationships and profile of trading book

117 » Some of the key questions to ask your AFA or investment manager » Be aware a firm’s structure/culture can be detrimental to your portfolio performance » No merit in not asking the right questions: don’t be scared of asking “dumb” questions » Realize that you are entrusting your hard earned monies to the investment firm » Attitude: culture: soundness: stability of investment firm enables a better night’s sleep!

118 » Efficiency Ratios help us understand how well the company is using its assets » Ratios give us an indication of future capital requirements » Market Ratios tell us what the market thinks about the company » Forward financial ratios based on forecasts : assumptions may be undermined by events

119 » Debt and interest gearing ratios help determine a firm’s use of debt and interest cover » Sales and operational gearing helps to assess a firm’s trading volatility and flexibility » Liquidity ratios help you to reach a conclusion as to likely cash demands of a firm

120 » Diversification at different points of the economic cycle reduces investment risk » Importance of diversifying across industry sectors that are not correlated » Benefits of diversification diminish as portfolio becomes more diversified

KNOWLEDGE * EMPOWERMENT * CONTROL * RESULTS

HOW DO I SIGN UP?To sign up just click on this GATEWAY CPD PLUS link. All you need

to do is follow instructions and upon completion of registration

process you will be issued with a user name and password. Log

on and learn how to become a better informed investor. On the

anniversary of your purchase you will be invited to renew. You will

also be kept up-to-date on other available programmes under the

GET AHEAD SERIES IN WEALTH MANAGEMENT.

CUSTOMER PROPOSITION INFORMATION: Dynamique Ltd, as a

subject matter expert will issue you with a certificate of achievement

upon completion of assessment quiz and achieving 80% pass rate.

Programme content is being continually reviewed with updates

carried out each quarter. The design, research and content of this

product is provided by Dynamique Ltd, New Zealand. The customer

experience CPD registration and delivery platform is provided by

Mentor Education, Australia. Payment details will appear as RG146

on your credit/debit card statement. Payment can also be made

by internet banking. For this facility please email our support

desk and help-line DYNAMIQUE SUPPORT. If you are not entirely

satisfied we will refund your licence fee within 10 business days of

the subscription date.

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©2015 Dynamique. All rights reserved

Dynamique Ltd (registered company No.1179648) Wellington Any questions, any concerns or if you just need help please contact us on +64 21 0425 766

Established in London in 1998, Dynamique provides investment research, risk management consulting, and best practice

workshops to global institutional/wholesale investment firms. Part of the research feeds into leading edge financial

training products for advanced professional continuing development systems covering the complete investment risk

spectrum from hedge funds, through to global investor services and the basic nuts and bolts of the wealth management

industry. Since 2001, the firm has had representation in Wellington servicing Pacific Rim markets.

www.dynamique.co.nz

Dynamique LONDON * WELLINGTON