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Description

Financial Savings: Analysing Products, Switching and Advising Clients

Compare financial savings products and build an allocation suited to the client's profile

  • 2 days — 14 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

Advisers know their institution's product range but face increasingly well-informed clients: switching between products, the impact of a withdrawal, exposure to risk, investment horizon. Client requests focus less and less on a single product and more and more on the overall consistency of their financial assets.

Two days to deepen your understanding of the main savings vehicles, compare their characteristics and build a well-argued allocation. The cases examined are complete client situations involving liquidity and horizon constraints that are sometimes contradictory.

Learning objectives

  • Compare savings products in terms of risk, liquidity and investment horizon
  • Explain how unit-linked products and investment funds operate
  • Analyse the mechanisms of long-term savings and insurance-based wrappers
  • Build an allocation consistent with the client's profile
  • Explain the effects of a withdrawal or a switch
  • Document the advice given and the reasoning behind it

What makes this programme different

The client cases involve conflicting liquidity and horizon constraints
Proposed allocations are challenged in sub-groups and then decided upon
A client-facing rationale is drafted for each case

Programme

1Overview of savings products

Compare before recommending

  • Position deposit-based savings alongside market-linked savings
  • Compare the risk, liquidity and horizon of each product
  • Understand how a fund is built and how its fees work
  • Identify the products suited to a given objective

2Long-term savings wrappers

Master the contractual mechanisms

  • Analyse how insurance-based savings contracts operate
  • Distinguish capital-protected funds from unit-linked funds
  • Understand exit terms and beneficiary arrangements
  • Position wrappers dedicated to retirement and end-of-service planning

3Allocation and risk profile

Link objectives to the asset mix

  • Gather the client's objectives and constraints
  • Formalise the risk profile
  • Build an allocation structured in buckets
  • Explain gain and loss scenarios

4Effects of a switch and documentation

Secure the recommendation

  • Explain the consequences of a surrender or a switch
  • Take the client's family situation into account
  • Document the recommendation and its suitability
  • Organise follow-up and review points

Who is it for

Retail client advisers, wealth management advisers and relationship managers wishing to deepen their expertise in financial savings.

Prerequisites

Be working in a savings advisory role and be familiar with common banking products.

Dates & locations

24 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.