...INVESTOR POLICY STATEMENT Prepared By: Aniruddh Mukerji 13PGP063 INTRODUCTION: “The purpose of this Investment Policy Statement is to establish a clear understanding between the investor Salil Chakole and the investment advisor Aniruddh Mukerji, as to the investment objectives and policies applicable to the Investor's investment portfolio. This Statement will: • Establish reasonable expectations, objectives, and guidelines in the investment of the Portfolio's assets. • Set forth an investment structure detailing permitted asset classes, normal allocations and permissible ranges of exposure for the Portfolio. • Encourage effective communication between the Investor and the Advisor. • Create the framework for a well diversified asset mix that can be expected to generate acceptable long term returns at a level of risk suitable to the Investor. The Statement has been developed from an evaluation of many key factors which impact the Investor's specific situation and investment objectives. This Statement is not a contract. It is intended to be a summary of an investment philosophy that provides guidance for the Investor and the Advisor. THE PORTFOLIO The Portfolio will maintain an active asset allocation strategy. The Portfolio will be invested exclusively in mutual funds. As a result, assets held in the Portfolio will be highly liquid. The Board of Trustees of each mutual fund is ultimately responsible for selecting and monitoring investment managers...
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...Investment Policy Statement - Sample Plan (for reference only) John Doe IRA Prepared on March 30, 2009 Prepared by Brent Mason Charles W. Mason 7474 N. Figueroa St Los Angeles CA 90041 323-254-3072 eekim@cwmason.com Cover Pages Cover Pages Table of Contents Introduction Client Information Statement of Objectives Risk Profile Current Accounts Current Allocation Constraints Miscellaneous Expenses Asset Allocation Current vs. Target Allocation Investments Investment Evaluation & Selection Proposed Portfolio Investment Strategy Analysises Allocation Comparison Equity Investment Style U.S. Stock Sector Analysis Regional Exposure Fixed-Income Investment Style Credit Quality Interest-Rate Risk Mutual Fund Fees and Expenses Performance Risk and Return Statistics MPT Statistics Implementation Plan Action Plan Monitoring Your Progress Legal & Regulatory Agreement Appendices 1 2 3 3 3 3 3 4 4 4 4 4 4 4 5 5 5 5 6 6 7 7 7 7 7 7 8 8 8 8 9 9 9 9 10 Planning Reports Appendices Performance of Proposed Securities Risk Tolerance Questionnaire Data as of 3/30/2009 Page 3 of 10 John Doe IRA Investment Policy Statement Introduction The Investment Recommendation is a detailed list of the changes recommended to your current portfolio holdings. The recommended list of funds, stocks, and/or other investments has been selected in order to implement a new asset allocation policy with either a higher potential return than your current allocation, a lower level of risk...
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...For the three-policy statements below please reference the two REFS below A. ISO/IEC: 27002 B. ISO/IEC: 27001 Organizational policy statement 1. System breach prevention When an employee leaves the company, the company will update their CRL and ACL (certificate revocation list and access control list). This way a previous employee will not have access to company systems. Previous employees having account access to the company’s virtual private networks (VPN) from home or remote locations will be terminated immediately upon employee termination. See ref A, Annex A.8.3.3, pg. 16 a. Any employee going on company approved travel that will require him/her to access company networks remotely, will request access tens days prior to travel. b. Any employee requesting access to the company’s VPN will request access via the proper channels. See ref A, Annex, A.8.1.1, pg 15, A.11.2, pg 22 c. All access requests will be logged and finalized by human resources after employee have reviewed a confidentiality and non-disclosure agreement of company sensitive information IAW ref A, section 8, Annex A.11.4.1, pg 23 A.11.2 pg 22 d. Employee account will expire ten days before employee leaves the company or termination to ensure that all accounts have been closed and access revoked. The network management team will run account active program to see all account active for the employee that is to be released on the 10th day to ensure that the employee is not...
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...MONT INDUSTRIES Code of ethics policy statement To all Employees, At Mont Industries, we like to maintain certain types of policies to help guide its employees in the right direction, in both regards to standards of conduct that are expected within the company as well as any damage to the company’s reputation. The main purpose of this policy is to affirm, in a matter that is understood, what is expected and what is not appropriate. Under this policy, an employee’s action’s indicates their competencies and judgment calls. All actions consist of an important element in the evaluation process of an employee for such positions and including promotions. If at anytime it is deemed that an employee has not adhere to the principles of this policy statement, it will be deemed necessary and will be grounds for disciplinary action. Employers have a right to inspect anything at anytime within company grounds. Any work that has been written by an employee for an assignment or task is property of Mont Industries unless otherwise instructed by a supervisor or owner of company. An employee is not allowed to share what he/she has written in this assignment. An employee is not allowed to take or make copies of assignments with them after assignments are complete. Employees should follow the lead of the owner in executing and fulfilling their duties all the while attending to their responsibilities When providing finished writing assignments, it is expected...
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...Contingency Planning Policy Statement iPremier has chosen to adopt the Contingency Planning principles established in NIST SP 800-34 “Contingency Planning Guide for Information Technology (IT) Systems,” as the official policy for the risk management, incident response for DDoS attacks. The following subsections outline the Contingency Planning standards that constitute iPremier’s policy. Each iPremier Business System, including third-party service providers, is then bound to this policy, and must develop or adhere to a program plan which demonstrates compliance with the policy related the standards documented. Business Impact Analysis Preliminary System Information Organization: iPremier Date BIA Completed: System Name: Customer’s Web...
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...Security policy is a definition of what it means to be secure for a system, organization or other entity. For an organization, it addresses the constraints on behaviour of its members as well as constraints imposed on adversaries by mechanisms such as doors, locks, keys and walls. For systems, the security policy addresses constraints on functions and flow among them, constraints on access by external systems and adversaries including programs and access to data by people. A guideline is a statement by which to determine a course of action. A guideline aims to streamline particular processes according to a set routine or sound practice. By definition, following a guideline is never mandatory. Guidelines are not binding and are not enforced. Any organisation with substantial IT system coverage will have a number of policies in place that specify the actions required to deal with problems, in routine or non-routine circumstances that occur. Disaster recovery policies A disaster recovery plan is a document that defines the policies and procedures for dealing with various types of disasters that can affect an organization, especially the organization's IT (Information Technology) infrastructure. This is a statement or plan of what to do if things go wrong through acts of theft, destruction (by natural causes such as fire, flood, earthquake etc. or by vandalism) or loss of data, which severely impacts on the business function (or security) of an organisation. Updating of...
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...sincerely, Khandkar Imran Bin Khaled (083 362 030) Table of Contents Letter of Transmittal 1 I. Introduction 3 II. Objectives of the report 3 III. CSR Model 3 a. the selected Model: 3 b. Reasoning: 4 c. the model: 5 IV. Justification 5 a) Justification by the product life cycle and Carroll's CSR model : 5 b) Justification by increasing company's value: 6 c) Justification by the income statement: 6 d) Justification by forestalling legislation: 6 e) Justification through increasing loyalty of the employees: 7 f) Justification through increasing productivity: 7 V. Problems to be addressed 7 a) HRM issues to be targeted while formulating policy for managers: 7 b) HRM issues to be targeted while formulating policy for non managerial employees: 8 VI. Human Resource Management Policy 8 VII. Policy for the Managers 9 a) Policies regarding workplace environment and safety: 9 b) Policies regarding Hiring: 10 c) Policies regarding promotion: 11 d) Policies To Reduce Presenteeism: 11 VIII. Policy for the Non-Managerial Employees 12...
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...-4563745.htm If You Face Any Problem E- Mail Us At JohnMate1122@gmail.com Week 1 Discussion Your state legislature is considering the following health policy proposal: Mandating that all female students entering the 6thgrade obtain the cervical cancer vaccine. Discuss the policy and economic questions associated with this proposal. Interest groups do not have the power to pass laws; however, they can and do influence policy decisions. Provide examples and discuss how interest groups have influenced health policy decisions. For example, motorcycle helmet laws – if we know that the use of a safety helmet can protect individuals from severe head and neck injuries in an accident, why do some states not have full helmet laws for all motorcycle riders? Week 2 Discussion Health policy is profoundly influenced by value-driven issues that cut across the entire U.S. policy landscape. Describe both positions (i.e., for and against) a current debate regarding a value-driven health policy issue. What interests in health policy do you bring to this class? McLaughlin’s Table 1-1 specifies the knowledge and skills called for in a policy analyst. Discuss for which of these areas do you currently feel prepared, and in which ones do you want to gain competence? Why? Week 3 Discussion Argue the following statement: Despite our relatively high level of healthcare expenditure, we may still be getting enough for our money. Discuss the social forces and other issues behind the move...
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...Consensual Relationship Agreements or CRA; a CRA is a written contract in which romantically involved partners acknowledge workplace policies regarding romance. The CRA is confirmation of their relationship being voluntary and consensual; ensuring that the statutes of the relationship does not affect the dynamics of the workplace ethical infrastructure. Both parties agree to abide by the employers antidiscrimination, anti-harassment, and workplace conduct policies. Many employers and employees find that CRAs can be both beneficial and detrimental in the workplace; affecting personal relationships, workplace infrastructure, and productivity. There are several benefits that CRAs provide in today’s workplace not all companies have policies in place but they are beneficial to productivity. Consensual Relationship Agreements create boundaries for workplace relationships and legally binds employees to behave in a professional manner. A majority of companies do not have any policy in place. The dynamics of the workplace was jeopardized because several people dated romantically. This caused a loss of productivity because there was nothing to ensure that favoritism didn’t occur, or that employees maintained professionalism when dating in the business environment, and to procure documentation to protect employees in cases of resentment. Most companies now have policies against supervisors and managers engaging in relationships with subordinates; the CRA will acknowledge this union and take the...
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...security policy for your school or organization. Based on what you now know about security, do you think it is sufficient? Does it adequately address security for the organization? Is it up to date and timely? What changes would you suggest? Write a one-page paper on your findings in a Word document and submit via file upload here. The security policy for Arundel Senior High School is designed very sufficiently to be implemented by the school. Policy includes detailed rules and responsibilities for each group of the school. The policy defined exactly what the policy statement was for the school, the arrangements that are to be made for the security for the students. The development of the policy is created in such a way where each group must enforce each policy towards the school and students. Even though the security statement is lengthy but it is written in very concisely manner and in easy wording to understand. It is clearly stating the necessary reasons, and includes how the violation of the policies will be addressed. The statement includes risk assessment where the assessment will be completed annually by the Headteacher/ School Manager; the findings will be used in the review of the security policy. The statement is monitored timely by the Headteacher of this policy and reports breaches, failings or security related incidents to the Governing Body. This policy is reviewed annually by the School Manager. The only additions I would like in the policy are the risk...
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...Surprise Ending for A Modest Proposal John J Bradley IV Professor Nancy Pettigrew Humanities 112: World Cultures II November 5th, 2012 A Modest Proposal by Jonathan shift is a literary work of the 18th century that takes a symbolic aim at the greed of England’s renting policies and a plan to reduce the burdens, in this case children, caused by it. According to Sayre (2011) Swift composes with his tongue lodged in his cheek, quite possible, as never before. You can detect this in his work from the outrageous suggestions intended to lift the burden of children in poverty-stricken Ireland and alternatively to reap benefits from them. It is earlier stated that the proposal would be geared toward Irish families that could not afford to provide for their children, thus the slaughter of their children to cater the English would be the possible solution. The ‘Surprise Ending” in this proposal would be the revelation of Swift’s true proposition, the consideration of the poor and rebuttal of policy makers with realistic ideals to correct this ever so abundant problem. According to Lynch (n.d.) Swift preferred living in England, although he was Irish, which causes him to begrudge the policies toward his own people. With that being said, it becomes clear that the proposal will indeed have a surprise ending when swift speaks of his American acquaintance discoursing the subject, offering refinement. Although prior Knowledge obtained from Native Salmanaazor of Formosa Island offered...
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...Salix Pharmaceuticals Security Policy Introduction The Salix Pharmaceuticals Security Policy Template is for the use of creating a strong security policy. Each sub policy contains a title with a description and a brief summary of what the certain section will contain. The purpose of the security policies is to ensure that Salix Pharmaceuticals is safe and under strong commands. The Salix Pharmaceutical Security Policy should be reviewed when new materials and changes are to be preceded amongst this company. Scope Salix Pharmaceuticals security policy will keep the company running for years if followed by the procedures. Following the sub policies will lead to a successful company that will be ran smooth and processed like no other company. Antivirus, encryption, passwords, and backups will protect this company like no other before. Purpose Salix purpose for the security template is to have the company, employees, managers, assistant manager, and volunteer’s, and temporary follow all these policies to make the company operate under a easy and fast pace. By making this policy the company should be protected from several things and kept up to date on every policy. Employees should obey this policy and read over every so often in case changes and updates are needed to be added. Acceptable Use Workers must report any signs of violation and a misunderstanding of the policies. Workers are not allowed to access any information they do not have the authority to look...
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...EMPHASIS SALON SYSTEMS, INC. FINANCIAL ACCOUNTING POLICIES AND PROCEDURES STUDY PROBLEM AND GENERAL PURPOSES OF RESEARCH STUDY PROBLEM: Financial accounting procedures and policies in Emphasis Salon Systems, Inc. RESEARCH PURPOSE: Improvement and standardization of financial accounting policies and procedures. Different types of purposes include: Exploration Description Explanation Prediction/Control Solution The purpose of this study is to determine: 1. What were the implemented financial accounting policies and procedures? 2. How was it implemented? 3. What were the impacts to the employees and to the company? 4. Is there any need for revisions or improvement? 5. If certain policy or rule was violated, what were the solutions that the company did to solve it? 6. In terms of financial assistance to employees, what are the requirements needed to grant it and how far does it affect the flow of company’s operation ABSTRACT: Policies and procedures are designed to influence and determine all major decisions, actions, and all activities that take place within the boundaries set by them. Procedures are the specific methods employed to express policies in action in day-to-day operations of the organization. Policies and procedures ensure that a point of view held by the governing body of an organization is translated into steps that result in an outcome compatible with that view. A set of policies are principles, rules and guidelines formulated...
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...The cost of health care Executive Summary: Introduce the topic that you chose. Provide a brief overview of content of your proposal. Statement of the problem: Clearly describe the topic that you chose. Define and explain the major problems related to this issue. History of the problem: Review the major developments in the evolution of this problem in the U.S. How did this issue develop historically? How did we get to where we are now? International context: Compare and contrast this problem in the U.S. to that of other countries. How does this issue in the U.S. compare to other countries? Is the issue more common here or in other countries and why? Stakeholders: Describe the role of major stakeholders in the problem. How have federal and state governments and the health care industry worked to address this issue so far? What have been the successes and failures of their attempts? Policy: Provide examples of how the P.P.A.C.A. and other federal policies have attempted to address this issue. What has been the impact of their action or non-action? Recommendations: Provide a set of recommendations on what should be done to address this issue in the future. What should the major stakeholders, such as the government, the health care industry, and health care consumers do to implement these recommendations and how? Provide a justification for why you believe each recommendation will address one or more of the problems related to this issue. Conclusion: Construct a brief conclusion...
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...Factors Political And Legal Factors Autor: aarronyao 24 October 2012 Tags: Words: 368 | Pages: 2 Views: 425 Save essay in my profile Printable Version Political and Legal Factors As Thomas (2007) suggests politics is focus on government’s work, it may affect the product line via some government policies. In recently, UK's Food Standards Agency released a statement that an EU-wide health warning must be put on any food or drink which contains the colours may cause hyperactivity in some children (Alicia, 2010). Asda put a health policy on its website to announce there is none any artificial colours or hydrogenated fat in its 'smart price' food which may be though unsafe about its quality by its low price (Asda, 2010). In additional, UK government's Department for Environment, Food and Rural Affairs (Defra) and Department for International Development (DFID) has taken on the policy to balance future demand and sustainable supply of food industry (National Archives, 2011). The government policy hopes food industries can put more attention on a sustainable development and an adequate stability in food prices. Looking back to Asda's 'smart price' food range, they do keeping follow UK government's requirement and gaining food by using its pioneering partnership Cumbrian food hub, Plumgarths (BBC GOOD FOOD, 2012). Asda use its nine hub network to open a door for these small business who normally wouldn't have the opportunity to deal with a major supermarket. Their action...
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