...Personal Investment Project Student’s Name Institutional Affiliation 25th June 2016 Introduction When creating an investment policy statement, the first step is to consider an investor’s objectives, preferences, and constraints in investing. One should quantify and specify their investment needs and hence seek out those investments which meet these criteria. My personal investment strategy is based on the analysis of the company’s fundamentals and the macroeconomic environment in which it operates. As such, I invest in historically steady companies in less volatile industries. This strategy may be considered as fundamental investing. For this reason, I desire to invest in a company that has a proven track record of strong financial performance and operates in an industry that is not overly disruptive. For this project, I will elaborate this investment strategy with reference to the Coca-Cola Company, which is one of the companies I am interested in investing in. Coca-Cola (KO) is a well-known brand in the world, consistently ranked as the most valuable brand in the world by Forbes Magazine. Statement of Strategy and Investor Style In my investment strategy, the most important factors I consider are the company’s earnings performance, dividend payout, value of stock and the company’s market leadership in the industry it operates. Earnings Performance I also analyze the company’s earnings per share (EPS) to measure the profitability per unit of equity. High EPS means...
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...my favorite restaurants, Chipotle. On the 6th, a share of Chipotle was going for $450.29. I purchased 10, totaling my investment into Chipotle at $4,502.90. I then invested in one of my favorite movie companies, Disney. On the 6th, a share of Disney was going for $113.05. I purchased 10 shares of Disney, totaling a $1130.50 investment in Disney. Then I invested into the well known department store, Macy’s, to have some diversity in my stock. My total investment in Macy’s totaled at $2942.00. For that much money, I purchased 100 shares, making each share $29.42. I then picked a company where I could support my home state, Michigan: Ford. With each Ford share going for $11.27 on April 6th, I calculated that I could purchased 126 shares with my remaining budget. My total investment in Ford ended up being $1,420.02, and my grand total from all four investments was $9,995.42....
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...Walking down the protracted tiled hallway my recently polished shoes squeaked, as the wide overhead lights glared down upon my shoulders. Behind me, trailed an old black carry-on suitcase whose wheels seemed like they would break with every turn and whose fabric was so thin I was afraid the contents would rip through. As I rounded the corner, I realized that I had finally reached my destination, terminal 7B. Straightening my tie I looked around through the rows of families and other businessmen who desperately attune themselves on the mangled blue leather seats trying to get comfortable. Finding no seat I walked over to the side and sat on the ground. The trip that awaited me would be a brisk three-day excursion to the A-grade Investments...
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...Finance has a close relationship to a number of other business disciplines. It is important that we understand why a finance major needs these other skills and abilities. Let's take them one at a time: 1. Economics provides the theory that finance uses. The field of finance is a very new discipline, beginning formally around 1920. Before that, financial problems were referred to as "economic problems" or (even earlier) "problems in political economy." During the 1920s, finance broke away from economics and became a discipline of its own. Think of finance today as being applied economics. In other words, economics provides the theory; finance takes that theory and applies it to real world situations. 2. Accounting is sometimes called "the language of business" and it is certainly true that it is a language that finance practitioners need to be familiar with. Finance majors work with numbers generated by the accounting profession: income statements, balance sheets, cash flow statements, etc. Although finance practitioners don't need to know the intricate details of how these numbers were determined, they do need to know enough accounting to properly use these numbers in an analysis of financial problems. 3. Management provides the communication and organizational skills that all finance personnel need. Finance practitioners spend most of their day interacting with other people, so the ability to work effectively with others is crucial. 4. Marketing skills...
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...BDO UNIBANK Inc. Personal: eBanking- online, mobile, atm and phone banking => Bank easy. Bank secure. Bank-on-the-go with BDO. BDO Electronic Banking suits your lifestyle and empowers you to get ahead. It is the fastest, safest, and easiest way to keep track of your finances anytime, anywhere through your personal gadgets i.e. PCs, laptops, tablets, and smartphones. You don't have to wait in line or plan your day around the bank hours as BDO Electronic Banking gives you complete control over your banking needs on demand. Accounts – peso savings, checking- automatic transfer facility, us dollar savings, third currency savings account- time deposit, debit card, cash card and visa travel money card. =>The best way to start. Flexibility that makes a difference in your deposit accounts. Savings and checking accounts are the most basic banking products and all these are offered by BDO. But, did you know that BDO also has customized deposit accounts that have the flexibility to make the most of your money, whatever your stage in life? Throughout these life stages, you will have different needs. As a parent, you would want your children to learn the value of money and how to manage it wisely. As a retiree, you would want to enjoy perks that reward you for your years of hard work. Whether you are single with a career, married with kids, working as an OFW or empty nesting, BDO has a variety of deposit accounts tailor fit to your needs. What’s more, our extended banking hours...
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...the money works for the holder. The concept of is different from the concept of saving as saving refers to the passive use of the money with the safety of principal being the major requirement, on the other hand, investing refers to proactive and a bit aggressive use of the money to earn return on investment. It is never too early to start investing in things which help to earn profit, and by earning that profit it will be easier to do if one gets an early start in life. As a young investor i can remember quite vividly how easy it was for me to invest in a business which started out small but began to grow as business got better. The decision to invest my earnings was not easy, but as I think things through I came to a conclusion, if I was to invest into this company and business start to enlarge, then I can make a huge profit off it. In fact making that decision to invest was a bit hard but the realization is that investing at a young age may not always be easy, but the advantages of it are numerous and can be overlooked by simply having a money management plan which can help individuals build a better future and have peace of mind. The major advantages of starting the investments at a early age includes better money management, peace of mind and building of a better future. Each of the advantages are discussed below: Money Management: 1. Improvement in spending habits: Investing early on in the career helps in developing positive spending habits. Those who invest early...
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...Markets Personal Finance Active Trading Forex Professionals Tutorials Bag Holder An informal investment term used to describe an investor who holds a position in a stock which decreases in value until it is worthless. Typically, the bag holder will hold the position for an extended period of time in which most of the investment is lost. Investopedia Says: ymbolically, the investor is left holding a bag full of worthless material, representing worthless stock. The bag holder... Learn More Share: A Look At Exit Strategies Traders need to understand what exits are available to them and know how to create an exit strategy that will help minimize... Share: Tips For When To Buy, Sell Or Hold In this article, we'll point to key information that will help you make good decisions under pressure... Share: Top 4 Most Scandalous Insider Trading Debacles In this article, we will look at some landmark incidents of insider trading... Share: The Art Of Selling A Losing Position Let's take a look at why selling is important and then talk about a selling strategy that works for any type of investor.... Share: To Sell Or Not To Sell In this article, we will take a look at the main points you should consider when selling an investment... ...
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...funds, small investors can easily diversify their investments and enjoy the benefits of professional management. * Investors own units or shares in the fund and benefit proportionately from any increase in value and/or income earned by the investments owned by the fund. The Reasons Investors Choose Mutual Funds | Mutual funds have grown in importance in Canada over the last twenty-five years. As of February 2008, there were 2,038 mutual funds with a total worth of nearly $679 billion – up from only $3.5 billion in 1981.The two major reasons investors choose mutual funds are: 1. Professional management - although there is no guarantee that the fund will outperform the market. 2. Diversification - by asset class (i.e. by holding a mix of stocks, bonds and money market investments) or within each asset class (i.e. by holding a variety of securities within each class). The risk of mutual funds arises from the risks associated with the investments they hold. * For example, a bond fund will be subject to interest rate risk – as interest rates rise, the value of the bonds owned by the fund will decline. | Mutual Funds With and Without Loads A load is a sales commission. In a load fund, the investor pays a commission every time he or she buys units (front-end load) or sells units (back-end load or contingent deferred sales charge). FRONT-END LOAD | * Typically between 3% and 5%, but declines with larger investments. * If an investor invests $1,000 and is charged...
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... 7 6. Fees and costs 9 7. How super is taxed 12 8. Insurance in your super 13 9. How to open an account 16 This PDS provides a summary of significant information and it includes links to important information which forms part of this PDS. The ‘REST Super Member Guide’, ‘REST Super Insurance Guide’, and ‘Investment Guide’ are important information you should consider before making a decision to invest in this product. The information in this document is general information only and doesn’t take into account your personal financial situation or needs. You should consult a licensed financial adviser to obtain financial advice that is tailored to suit your personal circumstances. The information contained in this PDS is up to date at the time of preparation. However, the Trustee reserves the right to change the insurer* and vary the benefits, insurance costs, procedures or terms and conditions from time to time. Some of the information may also be subject to change, such as information about investment fees, other fees or the investment strategy or asset allocation of a particular investment option. From time to time there may be changes to non-materially adverse information which may be updated through member communications other than the PDS or on our website at rest.com.au/governance If you are...
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...Definitions • Finance- The science that describes the management, creation and study of money, banking, credit, investments, assets and liabilities. Finance consists of financial systems, which include the public, private and government spaces, and the study of finance and financial instruments, which can relate to countless assets and liabilities. • Efficient market- A market whose prices quickly respond to the announcement of new information. • Primary market- A part of the financial market where new security issues are initially bought and sold. • Secondary market- The financial market where previously issued securities such as stocks and bonds are sold. • Risk - The chance that an investment's actual return will be different than expected. Risk includes the possibility of losing some or all of the original investment. Different versions of risk are usually measured by calculating the standard deviation of the historical returns or average returns of a specific investment. A high standard deviation indicates a high degree of risk. • Security - A negotiable instrument that represents a financial claim that has value. Securities are broadly classified as debt securities (bonds) and equity securities (shares of common stock). • Stock – An instrument that signifies an ownership position in a corporation. • Bond - A long-term (10-year or more) promissory note issued by a borrower, promising to pay the owner of the security a predetermined amount of interest each year. ...
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...Confidential Financial Investment Opportunities Prepared for: Ms. Joey Lai (Lecturer) Financial Investment Opportunities Banking Academy, Hanoi BTEC HND in Business (Finance) Prepared by: BBQ CLASS: F06B 1 Confidential Table of Contents INTRODUCTION .......................................................................................................................... 3 1.1 Assess the risk tolerance/attitudes of individual investors to risk when evaluating the suitability of investments. ............................................................................................................... 4 1.1.1: Low risk ............................................................................................................................ 4 1.1.2: Mid risk ............................................................................................................................. 5 1.1.3: High risk ........................................................................................................................... 5 1.2 Evaluate a range of investments available from banks, building societies, insurance companies and national savings. ..................................................................................................... 7 1.2.1: Bank .................................................................................................................................. 7 1.2.1: Building society .......................................................
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...Letter of Transmittal Date: November 30, 2010 To Mr. Md. Maksudur Rahman Sarker, FCMA Professor Department of Accounting & Information Systems University of Dhaka Subject: Prayer for granting the Report. Dear Sir, Here is the report on “Personal Portfolio Management”. I shall be pleased to thank you for assigning me such an interesting topic. While dealing with the topic, I have gone through different books on portfolio management, local and international research papers, national dailies, annual reports, stock market websites and other world wide webs. It is a great pleasure for me that I have got a practical orientation with portfolio management and the relevant finance theories. Though I have tried my best to include all deserving and relevant information and discussion in the report, it might be considered insufficient to your expertise. But I think you would be generous enough to evaluate the report with a merciful look considering my attempt and effort. Sincerely Yours, Mohammad Munir Hossen MBA-EVENING ID No. 10814062 Department of Accounting & Information Systems University of Dhaka TAble of contents |SL. No. |Topic |Page | | |Executive Summary |v | |1 |Introduction ...
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...1. In terms of my personal characteristics, risk preference, and market beliefs, I concluded my investment philosophy as the following: Medium and long-term approach is preferred in my portfolio. It takes patience to get long-term returns. Market opportunities occur every day. Yet, success doesn't come for those who seized every chance but for those who knew when to resist temptation. I would emphasis on protecting my nest egg while still in market opportunities. I strongly advocate tactical asset allocation process and diversification over several different income and growth strategies. I believe that risk management and protection of investor's endowment are major objectives. In my portfolio, stocks may occupy a large portion and the rest would be the combination of bonds and funds. My portfolio also covers various industries and fields, mainly concentrating on education, banking, retailing, public utility and some well-known mature organizations in other fields. The use of fundamental analysis that focuses on current performance of a company, the industry, and economy is the most important ingredient in my portfolio management process. I also believe that being aware of the global macroeconomic environment, along with the knowledge on current and historical financial information, could provide a useful idea in the interpretation of current trends. I've been trying to find the firms with stable growth rate or those with strong caterlyzer. All the materials I collected...
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...All businesses have their own way of doing things. They all have their own strengths, weaknesses, structures, procedures, opportunities, and hindrances. At the end of the day, a business has to do what works for them. Our company is known as a comprehensive financial planning firm with a focus on the elderly population. We concentration on Tax, investment and Legal Planning with estate and elder law and elder care health issues. Our goal is to make sure our clients not only enjoy their retirement but stay in retirement. The company principals are to provide exceptional customer service with dignity to our clients. We provide this element of service by starting the relationship with our clients by focusing on what their life goals are. We feel that by helping better define their goals and what steps need to be taken to accomplish them, it brings purpose to their investments, assets and lifetime of hard work, which goes beyond just the idea of growing your money with no end in mind or purpose. We also strive to find creative ways to give back to our communities we live and work in. We feel it is our responsibility to give back to the communities that support us and assist the less fortunate. We have tried to focus a lot of our marketing towards giving to charities and helping our clients give towards causes that are close to their hearts. During the year we have chosen certain causes to donate towards as our clients will give us a referral or donate a percentage of sales...
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...2012 Level II Mock Exam: Afternoon Session The afternoon session of the 2012 Level II Chartered Financial Analyst (CFA®) Mock Examination has 60 questions. To best simulate the exam day experience, candidates are advised to allocate an average of 18 minutes per item set (vignette and 6 multiple choice questions) for a total of 180 minutes (3 hours) for this session of the exam. By accessing this mock exam, you agree to the following terms of use: This mock exam is provided to currently registered CFA candidates. Candidates may view and print the exam for personal exam preparation only. The following activities are strictly prohibited and may result in disciplinary and/or legal action: accessing or permitting access by anyone other than currently registered CFA candidates and copying, posting to any website, e-mailing, distributing, and/or reprinting the mock exam for any purpose. Marcus Pinto Case Scenario A struggling asset management company recently hired Marcus Pinto, CFA, as chief operating officer (COO). Pinto’s first responsibility is to recommend to the Board of Directors how they can lower costs while still retaining the firm’s client base and how to increase assets under management. Pinto analyzes the firm, its clients’ needs, and general market conditions before presenting his findings to the Board of Directors. At the presentation, he makes the following statements: Statement 1: “If the company adopts the CFA Institute Standards of Professional Conduct, the...
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