Personal finance

Financial planning and budget. Financial decisions and credit risk for different credit products. Human capital as part of total assets. Investment planning. Investments into main asset classes including equities, bonds, funds and real estate. Pension planning. Investment portfolio and life cycle.

NB! This course will take place in spring semester 2024/2025 which starts on 3rd of February and ends on 16th of June (you can find that information under Start date section). The real course start and end dates will be announced at the beginning of February at the latest.

After completing the course, a student: 1) can make both short-term and long-term financial plans 2) can compare different loan products and make informed choices among them 3) can choose between different investment opportunities 4) can make applied financial calculations necessary for learning outcomes 1-3.

Final assessment can consist of one test/assignment or several smaller assignments completed during the whole course. After declaring a course the student can re-sit the exam/assessment once. Assessment can be graded or non-graded. For specific information about the assessment process please get in touch with the contact person of this course. For specific information about grade transfer please contact your home university

Prerequisites (but not strict): Basic Finance

• Garman, E. Thomas, and Raymond Forgue. Personal finance. 11th ed. Cengage Learning, 2011.

lectures, exercises