CFP® Module 2 — Retirement & Tax Planning Specialist

About this course

Retirement and personal taxation in depth — NPS, EPF, annuities, capital gains, deductions, and the case-driven planning every CFP candidate must master.

1. 1

   Module 2.1

   Retirement planning fundamentals

   • Goal setting, real-rupee targets
   • Sequence of returns and longevity risk
2. 2

   Module 2.2

   NPS in depth

   • Tier structures, asset choices, PFM selection
   • Withdrawal rules and annuity options
3. 3

   Module 2.3

   Other retirement vehicles

   • EPF, PPF, superannuation, gratuity
   • Atal Pension Yojana and others
4. 4

   Module 2.4

   Annuity products

   • Immediate, deferred, joint-life, increasing
   • Comparing yields and structures
5. 5

   Module 2.5

   Indian income tax structure

   • Heads of income; old vs new regime
   • Slabs, surcharges, cess
6. 6

   Module 2.6

   Capital gains taxation

   • Equity, debt, real estate, gold
   • Indexation, grandfathering, the 2024 debt-fund changes
7. 7

   Module 2.7

   Deductions and exemptions

   • 80C, 80D, 80E, 80G, 80CCD(1B)
   • HRA, LTA, gratuity exemption
8. 8

   Module 2.8

   Tax-loss harvesting and structuring

   • STCL, LTCL set-off and carry-forward
   • Year-end planning workflow
9. 9

   Module 2.9

   NRI and resident taxation

   • NRO, NRE, FCNR taxation
   • DTAA basics
10. 10

    Module 2.10

    Integrated retirement-and-tax case studies

    • Three full-household case studies
    • Common pitfalls