Faculty of Business, Economics and Accounting

Department of Accounting and Finance

HELP Bachelor of Business (Hons) Year 2

INTERNAL SUBJECT DETAILS

Semester 3, 2021

Subject: FIN 205

Wealth Management

Subject Lecturer/Tutor: Dr. John Murugesu

Telephone: 03-2716 2000
Fax: 03-2093 5311
Email: john.murugesu@help.edu.my

Consultation: Please call or e-mail for appointment

PRE-REQUISITE(S)

FIN202 FINANCIAL MANAGEMENT

SUBJECT OBJECTIVES

This subject is an overview of personal financial planning and investment advising. The
major aspects of financial planning are reviewed to provide an outline for a good
understanding of the subject. Practising financial planner need to gain a wide range of
information on the pertinent topics.

OBJECTIVES

After studying this subject, the student should be able to do the following:

 Provide good knowledge of investment alternatives to potential investors;

 Gain some understanding of the ethical, legal and compliance issues relevant to the
Proper Authorities Holders;
 Understand characteristics of investment choices in light of risk and return;
 Understand the nature of gearing;
 Be aware of the issues related to taxation;
 Understand the role of superannuation for wealth accumulations;
 Introduced to the concept of estate planning
 Provide some experience in the creation of a comprehensive financial plan.

PRESCRIBED TEXTBOOK

 Kapoor, Diabay, Hughes & Hart (2020). Personal Finance, 13th Edition. McGraw Hill,
New York

RECOMMENDED REFERENCES
 Keown, J (2019). Personal Finance: Turning Money into Wealth, 8th Edition. Pearson,
New Jersey

 McKeown, W.,Olynyk, M., Kerry, M., & Bea, D. (2017). Financial Planning. 2nd
Edition Update. Sydney, John Wiley Australia.

 Madura,J (2020). Personal Finance. 7th Edition. Pearson/Prentice Hall, New Jersey

JOURNALS

The Journal of Wealth Management

(http://www.iijournals.com/page/jwm/info) or through Ebsco host

Journal of Personal Finance

(http://www.journalofpersonalfinance.com/current-issue.html)

Financial Planning Research Journals

(http://fpa.com.au/education/financial-planning-research-journal/)

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 Subject Outline / Teaching Plan

Department : Accounting & Finance Subject Code : FIN 205

Lecturer : Dr. John Murugesu Subject Title : Wealth Management
Week LECTURE TOPIC Textbook Tutorial Questions
1 TOPIC 1: Financial planning Kapoor et. MCQ, Practice Quiz,
(23-27/8) al. C1 P1.2, P1.6,
 Personal Finance Basic and Time value of Money
2 TOPIC 2: Savings, financial market and financial Kapoor et. MCQ, Practice Quiz,
(30-3/9) institutions al. C5,6 P6.10
 Financial Services
3 TOPIC 3: Taxation issues for investors Kapoor et. MCQ, Practice Quiz,
(6-10/9) al. C4 P4.1, P4.5,
 Planning your Tax Strategy
4 TOPIC 4: The good, the bad and the ugly Kapoor et. MCQ, Practice Quiz,
(13-17/9) al. C9 P9.1
 The Housing decision
5 TOPIC 5: Risks in investment and insurance Kapoor et. MCQ, Practice Quiz,
(20-24/9) al. C10 P10.6,
 Property and Motor Vehicle Insurance
6 TOPIC 6: Risks in investment and insurance Kapoor et. MCQ, Practice Quiz,
(27-1/10) al. C11 P11.4
 Health, Disability and Long-Term Care Insurance
7 TOPIC 7: Risks in investment and insurance Kapoor et. MCQ, Practice Quiz,
(4-8/10) al. C12 P12.6
Life Insurance
8 MID SEMESTER
(11-16/10)
9 TOPIC 7: Risks in investment and insurance Kapoor et. MCQ, Practice Quiz,
(18-22/10) al. C12 P12.6
 Life Insurance
10 TOPIC 8: Share and efficient market Kapoor et. MCQ, Practice Quiz,
(25-29/10) al.C13,14
 Investing in Stock
11 TOPIC 9: Share and efficient market Kapoor et. MCQ, Practice Quiz,
(1-5/11) al. C15 P15.13
 Investing in Bonds
12 TOPIC 10: Management funds Kapoor et. MCQ, P16.1, P16.3,
(8-12/11) al. C16 P16.7, P16.12
 Investing in Mutual Fund
TOPIC 11: Gearing and negative gearing Kapoor et. MCQ, Practice Quiz,
 Investing in Real Estate and other Alternatives al. C17 P17.11, P17.12
13 TOPIC 12: Retirement planning Kapoor et. MCQ, P18.1
(15-19/11) al. C18
 Starting Early: Retirement Planning
14 TOPIC 13: Estate planning Kapoor et. MCQ, Practice Quiz,
(22-26/11) al. C19 P19.1, 19.2, 19.3
 Estate planning
15 FINAL EXAMINATION
(29-4/12)
16 FINAL EXAMINATION
(6-11/12)
Textbook:
Kapoor, Diabay, Hughes & Hart (2020). Personal Finance, 13th Edition. McGraw Hill,
New York (Kapoor et.al)

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ASSESSMENT

There are 3 assessment items for this subject.

Assessment Items Value Due Date

1. Test (Online) 20% Week 7 (TBC)

Test will be conducted during class

2. Class Quiz (Online) 20% Week 9 & Week 14

3. Final Assessment - 60% Week 14 (22 November 2021)

Final Assignment (Individual)

REQUIREMENTS:

To gain a pass in this subject, students must:

 Achieve a passing mark in the Final Assessment ie. score a minimum of 30 marks out
of 60 marks.

 Attempt ALL areas of assessment; and achieve a total result of 50% or better overall.

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ASSESSMENT DETAILS

ITEM 1: Mid Semester Test 20%

covering topics 1 to 5.
The test will comprise of 40 Multiple Choice Questions (MCQ) and duration of the mid
semester test is 2 hours.

Rationale

The Mid semester test is designed to:

 Allow you to demonstrate your understanding of the subject topics;
 Give you wider scope in answering and in interpreting different concepts and
practical problems in Financial Planning;
 Assess whether you have clearly understood and remembered essential concepts,
knowledge and terms covered in the subject topics.

Marking criteria

 Correctness of your answers.

 Demonstrated evidence of clear understanding of the subject topics and the specific
questions.

ITEM 2: Class Quiz 20%

There will be two (2) open-book and open-notes quizzes.

Quiz 1: Week 9 - Covers Topics 6 & 7 - 10%

Quiz 2: Week 14 - Covers Topic 12 & 13 - 10%

Each quiz comprise of 20 multiple-choice questions and covers both theory and
calculations involving financial problems presented in the topics indicated above.

Assessment rationale:

 Assist in the learning process and to develop an understanding in the current

development of the financial planning industry;
 To understand some of the applicable rules and laws pertaining to financial
planning;
 Develop your understanding of risk and return in the financial planning process;

Marking criteria

 Correctness of your answers.

 Demonstrated evidence of clear understanding of the subject topics and the specific
questions

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Assessment Task

The quiz questions will be available in Microsoft Teams for this subject.
.
Assessment Information

Pass Requirements
Your assessment in this subject will be based on two assessment items (course-work
comprising of quizzes and midterm test) worth a total of 40 % and a final examination (in
the form of take home assignment) worth 60%. In order to meet terms in this subject you
must submit all assessment items. To receive a passing grade you must pass the final
examination. In order to achieve a passing grade in this subject, a student must attain a
minimum passing standard in both the overall total mark and the examination. You must
sit for your final examination as scheduled in the final examination period unless serious
misadventure prevents you from doing so.

ITEM 3: Final Assessment (Individual Assignment) 60%

Due date: 5pm 19 November 2021

Terms: Individual assignment.
Turnitin: All Assignment submission MUST include the Turnitin Original
Report.Turnitin I.D and Password will be distributed during lecture
classes.
Citing references: Appropriate referencing is required.
 You should include in your reference list only those articles and
books that you have actually cited.
 You may have read other articles and books but these should be
included only in the bibliography.
 You may lose up to a maximum of 10% of the marks allocated
for this assignment without proper referencing.

The Individual assignment will cover Topics 8 to 11. The assignment question will be
uploaded on 9am, 8 November 2021 to the Learning Management System and must
be submitted by 5pm 19 November 2021.

Assessment rationale:

 Assist in the learning process and to develop an understanding in the current

development of the financial planning industry;
 To understand some of the applicable rules and laws pertaining to financial planning;
 Develop your understanding of risk in the financial planning process;
 Enhance your skill in written communication.

Rationale
This assessment is designed to test your understanding of the concepts and theories
covered in this subject.

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Requirements
To receive a passing grade or higher in this subject, students are required to obtain a mark
of 20/40 or higher.

Marking criteria
Marks will be awarded for your ability to write clearly and to apply the appropriate
concepts or theories to given questions or scenarios.

Assessment Information

Pass Requirements
Your assessment in this subject will be based on two assessment items worth a total of 60
% and a final assessment (individual assignment) worth 40%. In order to meet terms in
this subject you must submit all assessment items. To receive a passing grade you must
pass the final assessment. In order to achieve a passing grade in this subject, a student
must attain a minimum passing standard in both the overall total mark and the
examination. You must sit for your final examination as scheduled in the final
examination period unless serious misadventure prevents you from doing so.

EXTENSIONS AND LATE SUBMISSIONS

If you are having difficulty in completing work in time due to illness or unusual
circumstances, you may request an extension through your lecturer with supporting
documentation eg. medical certificate. Applications for extensions on or after the due
date of the assessment items will not be considered. NO extensions will be given without
documentary evidence of inability to meet deadlines. A deduction of 10% of the marks
awarded per day late applies if a piece of work is submitted late without approved
extension.

Penalties for Late Submission

The assessment in this subject are sequential in the sense that there are generally questions
pertaining to each topic. For this reason assessment extensions for medical reasons will
generally not cover the entire assessment - rather you will be required to submit by the due
date some proportion of the assessment as agreed to with the lecturer. You should contact
the lecturer well before the due date of the assessment. Note that in fairness to other
students, requests for extensions on the basis of excessive work or personal commitments
will not be granted. You should make every effort to ensure that your assessment arrives
on time. If you are unwell and require an extension for your assessment, you must contact
your lecturer prior to the due date. Assessments submitted late with no valid medical
reason will lose marks. The penalty for late submission of an assessment without obtaining
approval for an extension will be 10% deduction per day including weekends, of the
maximum marks allocated for the assessment, i.e. 1 day late - 10% deduction, or 2 days
late - 20% deduction.
For example, for an assessment worth 20 marks, the calculations depending on the
penalty given are as follows:

Marks received (before penalty): 18 marks 

Less 1 day late penalty: 2 marks 

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Student's final mark: 16 marks 

GRADING SCHEME

Mark Range GRADE GRADE DEGREE MARKING RUBRICS

POINT CLASSIFICATI
ON
 Comprehensive and excellent grasp of
85 - 100 HD 1 4.00 key concepts
 Excellent use of analytical means and
logical arguments
 Excellent synthesis of arguments and
FIRST CLASS excellent use of relevant examples
 Balanced discussions and excellent
80 – 84 HD 2 3.75 flow of ideas
 Excellent command of language with
no errors
 Excellent and consistent referencing
 Comprehensive and excellent grasp of
75 - 79 DI 1 3.50 key concepts
 Excellent use of analytical means and
logical arguments
 Good synthesis of arguments and
SECOND excellent use of relevant examples
UPPER CLASS  Balanced discussions and good flow of
70 – 74 DI 2 3.25 ideas
 Excellent command of language with
no errors
 Excellent and consistent referencing
 Competent grasp of key concepts
65 – 69 CR 1 3.00  Competent use of analytical means
and logical arguments, albeit with
some errors
SECOND  Fair synthesis of arguments and
LOWER CLASS moderate use of relevant examples
60 – 64 CR 2 2.75  Fairly balanced discussions and fairly
clear flow of ideas
 Competent command of language and
limited amount of errors
 Satisfactorily is referencing
 Basic grasp of key concepts
55 - 59 PS 1 2.50  Less than satisfactory use of analytical
means and logical arguments
 Little synthesis of arguments and
hardly any relevant examples
 Some evidence of balanced
THIRD CLASS discussions and poor organisation
50 - 54 PS 2 2.00 PASS  Satisfactorily command of language
and considerable amount of errors
 Relatively flawed referencing
 Shows ignorance of key concepts
0 - 49 FL 0.00  Less than satisfactory use of analytical
means and logical arguments
 Little synthesis of arguments no
relevant examples
 Little or no balanced discussions and
poor organisation
 Relatively poor command of language
and unable to expressed ideas clearly
 No referencing or poor referencing

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 HELP UNIVERSITY

ASSIGNMENT FEEDBACK/MARKING SHEET

FIN205
Wealth Management

Student ID:_______________________________________
Student ID :_______________________________________
StudentID:________________________________________
4.. Student ID:________________________________________

Assessment Criteria Mark Maximum

Achieved Mark

Relevance of materials used 5

Application of appropriate theories 15

Logical flow, sequence and development 15

Evidence of background reading 15

Appropriate depth of analysis 15

Evaluation of issues and results 15

Use of supporting data/evidence 10

Use of referencing system and bibliography 5

Overall presentation 5

Total Mark 100

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 Assignment No.: __

Assignment Cover Sheet

Student Information (For group assignment, please state names of
Grade/Marks
all members)
Name ID

Office
Module/Subject Information
Acknowledgement
Module/Subject Code
Module/Subject Name
Lecturer/Tutor/Facilitato
r
Due Date
Assignment Title/Topic
Intake (where applicable)
Word Count Date/Time

Declaration

. I/We have read and understood the Programme Handbook that explains on plagiarism, and I/we testify
that, unless otherwise acknowledged, the work submitted herein is entirely my/our own.
. I/We declare that no part of this assignment has been written for me/us by any other person(s) except
where such collaboration has been authorized by the lecturer concerned.
. I/We authorize the University to test any work submitted by me/us, using text comparison software, for
instances of plagiarism. I/We understand this will involve the University or its contractors copying my/our
work and storing it on a database to be used in future to test work submitted by others.

Note:1) The attachment of this statement on any electronically submitted assignments will be deemed to
have the same authority as a signed statement.
2) The Group Leader signs the declaration on behalf of all members.

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Signature: Date:

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 mail:
Feedback/Comments*
Main Strengths

Main Weaknesses

Suggestions for improvement

Student acknowledge feedback/comments

Grader’s signature Student’s signature:

Date: Date:
Note:
1)A soft and hard copy of the assignment shall be submitted.
2)The signed copy of the assignment cover sheet shall be retained by the marker.
3)If the Turnitin report is required, students have to submit it with the assignment. However, departments may allow
students up to THREE (3) working days after submission of the assignment to submit the Turnitin report. The
assignment shall only be marked upon the submission of the Turnitin report.
*Use additional sheets if required.

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 Department of Accounting &
Finance

ACADEMIC INTEGRITY

Honesty and Responsibility

Academic integrity is an important tenet for HELP University. In pursuit of the highest
standards of academic integrity, the Department of Accounting & Finance holds it students
to the highest ethical standards defined by the Rules and Regulations section of the
Academic Handbook. All students at the Department of Accounting & Finance are
subjected to and are bound by the Student Academic Misconduct Rule to assure academic
honesty. Students are required to sign a pledge on the assignment cover sheet before
submitting your assignments to the Administration Office of the Faculty of Business,
Economics & Accounting.

What is Plagiarism?
Plagiarism is academic dishonesty or academic theft, and it is a serious academic offence.
Plagiarism includes, but is not limited to, the followings:
1. quote, paraphrase or summarize someone else’s ideas, theories or data, in whole or
in part, without appropriate acknowledgement
2. borrow ideas, opinion or words, in whole or in part, from other sources without
properly crediting the author(s)
3. use any facts, statistics, diagrams or graphs, in whole or in part, without
acknowledging the source clearly
4. claim or imply original authorship of someone else’s ideas, theories or data, in
whole or in part, as your own
5. employ or allow someone to help to revise, amend or write your work and pass off
as your own original work
6. collaborate with or allow other students to copy your work
7. draw on sources more than what you have acknowledged by citations

While a student is not discouraged to discuss an assignment with his/her friends or

classmates, the work he/she submits must be done by the student alone. If a student shares
his/her assignment with other students and they plagiarize it, the student is as guilty as
those students who plagiarized his/her assignment. All parties to plagiarism are considered
equally guilty. Under no circumstances should a student be involved in collusion with
other students unless he/she is permitted to work on an assignment jointly by the
lecturer/tutor. If a student is unsure what constitutes plagiarism, he/she is obliged to
consult the lecturer/tutor on the matter before submission of his/her assignment.

When and How to Reference?

Knowing when and how to cite is a student’s responsibility. If he/she is in doubt or need
more help on this matter, the student may consult the lecturer/tutor. The following list
comprises some of the sources a student will need to reference. The list is by no means
exhaustive, but simply consists of the most common sources used by students to complete
their work.
1. Books
2. Chapters in books

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 3. Journal articles
4. Conference papers
5. Newspaper articles
6. Magazines
7. Websites
8. Study guide

Students are advised to cite in the following cases [1]:

1. When he/she quotes two or more words verbatim, or even one word if it is used in
a way that is unique to the source
2. When he/she introduce facts that he/she have found in a source
3. When he/she paraphrase or summarize ideas, interpretations, or conclusions that
he/she find in a source
4. When he/she introduce information that is not common knowledge or that may be
considered common knowledge in your field, but the reader may not know it
5. When he/she borrow the plan or structure of a larger section of a source’s
argument (for example, using a theory from a source and analyzing the same three
case studies that the source uses)
6. When he/she build on another’s method found either in a source or from
collaborative work in a lab
7. When he/she build on another’s program in writing computer code or on a not-
commonly-known algorithm
8. When he/she collaborate with others in producing knowledge

In general, a referencing system requires two parts:

1. In-text citations
This is information about a source within the text of an assignment.
2. List of references
This is a list of all sources a student has used to research his/her assignment. It is
alphabetically arranged by author surname and appears immediately after the last
page of an assignment.

Different faculties or departments may have different requirement on how referencing for
an assignment should be done. The various formats used for in-text citations and list of
references are available in the following websites:
1. Harvard System (http://www.adelaide.edu.au/library/guide/gen/harvard.html)
2. Chicago Style (http://www.chicagomanualofstyle.org/index.html)
3. American Psychological Association or APA Style (http://www.apastyle.org)
4. Modern Language Association of America or MLA Style (http://www.mla.org)

Once a student has selected a referencing style for his/her assignment, he/she must follow
the same style consistently throughout the assignment. We strongly suggest that the
student consults the lecturer/tutor about which method to use before submission of his/her
assignment.

What are the Procedures and Penalties for Plagiarism?

1
http://www.yale.edu/bass/writing/sources/plagiarism/warning.html, accessed May 18, 2008.

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When a lecturer/tutor encounters a possible case of plagiarism, the lecturer/tutor shall
report the matter to the Head of the Department, who then initiates an investigation on the
matter. The following procedures would be carried out:
1. The lecturer/tutor shall provide evidence that substantiates an academic offence
has occurred. The following documentations must be ready prior to reporting of
alleged plagiarism:
a. Copy of the alleged plagiarized assignment
b. Copy of the source material (e.g. articles, websites, newspaper, etc.)
c. Report of plagiarism
d. Any other information that would support the claim of plagiarism
2. If the evidence warrants an accusation of academic offence, the Head of
Department shall establish a Board of Inquiry comprising 3 academic staff. The
Department shall provide all necessary documentations, including report on prior
academic offences if applicable, to the Board of Inquiry.
3. The Board of Inquiry shall put the matter to the student in writing and give him/her
an opportunity to respond to the accusation within 3 working days.
4. The student will be required to attend a meeting with the Board of Inquiry. After
meeting the student, the Board of Inquiry shall decide whether or not the alleged
plagiarism has occurred. The following documentations shall be submitted to the
Head of Department at the end of the meeting:
a. Findings of the investigation
b. Recommended action(s) to be taken or imposed
5. The Head of Department shall review the Board of Inquiry’s report with
supporting evidence and shall decide on an appropriate action(s) based on the
recommendation of the Board of Inquiry.
6. The decision of the Head of Department shall be put in writing to the student.
Copies of all documentations will be retained in the Department.
7. If the student feels that he/she has been unfairly accused or treated, the student may
appeal to the Head of Department within 5 working days.
8. The Head of Department shall review the appeal and the final decision will be
communicated to the student in writing and a copy will be kept with the
Department. Once a determination of plagiarism and penalty has been made by the
Head of Department, the investigative process will be deemed to have ended and
the student will not be allowed to appeal.

Possible penalties for plagiarism range from mark reduction for the assignment to
expulsion from the University. The student will not be allowed to make up the assignment.
If plagiarism has been found to have occurred, the Department will take action(s) as
determined by the forms of plagiarism implicated:

1. Complete plagiarism
Verbatim copying another person’s work without acknowledgement
1st offence : A grade of “F” in the subject and a warning letter will be
issued
nd
2 offence : Expulsion from the University at the discretion of the Head of
Department
2. Substantial plagiarism
Near-verbatim copying another person’s work by simply altering the order of the
sentences or the format of presentation or by changing a few words or phrases
without acknowledgement.
1st offence : Zero mark on the assignment and a warning letter will be

15
 issued
2nd offence : A grade of “F” in the subject and a warning letter will be
issued
3rd offence : Expulsion from the University at the discretion of the Head of
Department
3. Minimal plagiarism
Acknowledgement is made but paraphrasing by changing and/or eliminating some
words
1st offence : Deduction of 50% of available marks on the assignment and a
warning letter will be issued
2nd offence : A grade of “F” in the subject and a warning letter will be
issued
3rd offence : Expulsion from the University at the discretion of the Head of
Department
4. Unintentional plagiarism
Insufficient acknowledgement by not applying citation or quotation marks
correctly
1st offence : Deduction of up to 50% of available marks on the assignment
and a warning letter will be issued
2nd offence : A grade of “F” in the subject and a warning letter will be
issued
3rd offence : Expulsion from the University at the discretion of the Head of
Department
Pleading ignorance or unintentional plagiarism does not constitute valid reasons for
plagiarism and will not avoid the penalties from being imposed. Excuses for acts of
plagiarism such as the following, but not limited to, will not be entertained:
1. I don’t have time to do the assignment
2. I have too many assignments due on the same day
3. I don’t know, I really didn’t do it
4. I am not aware
5. I don’t understand what plagiarism means
6. I have no intention to plagiarize
7. I forgot to cite the reference
8. I forgot to include the bibliography
9. My English is not good
10. My lecturer/tutor did not explain to me
11. In my country, it is alright to copy someone else’s work
12. My friend copied my assignment when I let him/her to look at my assignment
13. My friend copied my assignment when I allow him/her to use my laptop
14. I did my assignment in the computer lab, someone must have copied my work
15. I asked my friend to submit my assignment and he/she copied my work
16. I discussed my assignment with my friends, so our answers are the same/similar
17. Even though I do not have in-text citation but I have bibliography/reference list
Students should be reminded that it is their responsibilities to take due care throughout
their written work to effectively reference or cite when they use others’ ideas from any
source.

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