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Creating an Investment Portfolio Research Paper

… Investment Portfolio

It is important for financial planners to evaluate a customer's risk tolerance, which is the degree of comfort an investor has in taking risk (Investopedia, 2013). It is not good practice to assume it. The client interview process is the best way to test risk tolerance. There are several factors that go into risk tolerance. From a rational perspective, the client's wealth, current investment holdings and time horizon all play a role. A younger, wealthier client with a lot of sophisticated investments will have a higher risk tolerance than an older client who has little experience investing. The investment knowledge level of the client can also be gauged to some extent through an analysis of the client's existing portfolio. There are also, however,…. [read more]


Finance One Difference Between Industries Multiple Chapters

… DQ1, Chapter 5, 6. Investors are seldom made whole with the "make whole" provision. A premium of 0.4% over Treasury is not consistent with the risk level of the firm. The YTM on the bond will reflect the actual credit quality of the bond, but ECY is not nearly large enough to have AAA credit, so the make whole provision does not apply a significant enough risk premium to the bonds -- the investors are not entirely made whole.

7. I would recommend regular coupon issue for a couple of reasons. The first is that the company raises more money in the short run, though it pays out more in interest down the road. However, regular coupon bonds are also more common and therefore have…. [read more]


Theory (Mpt) and Its Role Research Paper

… " Lintner specifically demonstrated how managed futures can decrease portfolio risk, while simultaneously enhancing overall portfolio performance (Modern portfolio theory: Dynamic diversification, 2011).

Bernstein (1996) discusses portfolio theory and precious metals equity (PME). He points out that, in inflation adjusted terms, the long-term return of gold is zero; however since most investors do not store bullion, but instead own shares in mining stocks or the mutual funds which own them, it is more appropriate to evaluate the expected return of PME. Bernstein argues that because the return of both bullion and PME has a zero correlation with almost any other asset, they make a superb hedge against inflation. He argues that while the long-term return of bullion is close to the risk free rate, the…. [read more]


Diverse Portfolio How Important Essay

… It is important for the investor to stay completely involved with the market trends in order to make sure that he does not incur much loss.

How would you diversify your investment portfolio?

Mutual funds investments are perhaps one of the most successful ways today to ensure that you have a diverse portfolio. The process of mutual fund is such that the mutual funds corporations take the entire investments bundle and distribute it across different sectors in the industry in an even and systematic manner. This way when one of the sectors falls, the balance remains and no serious loss is incurred as the worth of the investment in its entirety remains good (Gandhi, 2006).

Investing in sectors that are indirectly related like healthcare, IT…. [read more]


Real Estate Funding Chapter Term Paper

… Real Estate Funding Chapter

HOW TO FUND REAL ESTATE INVESTMENTS

CHAPTER ____ HOW TO FIND A MORTGAGE FOR RESIDENTIAL PROPERTY

So you want to buy a residential property and you aren't sure how to go about it. Don't worry - you are not alone. People all over the world want to own their own home and this desire has manifested itself in some interesting ways in the historical record. In Anglo-American law, for example, it was possible to claim a certain amount of land for one's family by simply erecting a simple structure that had a door and to have a fire burning in some type of fireplace by dawn just a few hundred years ago. For more than a hundred years, citizens of the…. [read more]


Unfunded Infrastructure of Canadian Municipalities and the Risk it Poses Term Paper

… Unfunded Infrastructure of Canadian Municipalities and the Risk it Poses

Canadian infrastructure has fallen into a terrible state of disrepair due to lack of funding for such projects in municipalities in Canada. The resulting problems are great and diverse ranging from insurance liabilities for the municipalities in Canada due to health and safety risk posed by lack of funding to lack of recreational space and place for citizens resulting in a loss in social capital and declining health of citizens in Canada. This problem has not gone unnoticed and efforts have been and are being made to address this problem in Canada's municipalities.

The state of Canadian infrastructure has been due to a lack of funding by the government and has resulted in a terrible…. [read more]


Investment Portfolio Research Proposal

… Investment Portfolio

Over the last several years, the stock market has been through a tremendous amount of ups and downs. Part of the reason for this, is because of the recession that began in 2007, caused the price of stocks to decline sharply from: the global financial crisis and subsequent recession that occurred. This is significant, because it shows how the volatility in the equity markets can become very extreme, as the economy moves between the different cycles.

For investors, this is challenging in trying to find the right areas that can provide significant long-term growth. As most people will often utilize: the latest strategy that is working in the current market conditions. This is problematic, because it can mean that they are purchasing an…. [read more]


Asset Classes Research Paper

… Asset Classes

The Dow component that I have chosen is Microsoft and the mutual fund is Fidelity Asset Manager 20%. This fund is considered to be a conservative allocation fund, but its mandate allows it to draw upon most equity classes.

Over time, the Fidelity Asset Manager 20% expects to maintain an asset composition of 20% equity, 50% debt and 30% in short-term and money market. The present composition of this fund is 13.99% is domestic equities; 7.39% in international equities; 53.80% in debt; and 24.82% in money market. These ratios have changed somewhat in the past six months. The fund has reduced its holding of debt from 58.36%. Domestic equities have decreased from 16.57% and international equities have increased from 4.27%. These changes most…. [read more]


New Regulatory Framework of Financial Institutions in the Aftermath of the Global Financial Crisis Research Paper

… New Regulatory Framework of Financial Institutions in the Aftermath of the Global

Financial Crisis

Over the last several years, the total amounts of regulation in the financial sector have been increasingly brought to the forefront. This is because of the elimination of key guidelines (i.e. The Glass Steagall Act) allowed firms to engage in tremendous amounts of speculation. What was happening is a number of banks had combined their operations with different brokerage firms. The basic idea was to offer consumers with greater amounts of products and services. (Rottman, 2008)

The newest and most popular was the adjustable rate loan (a.k.a. subprime mortgage). This is a home loan that was underwritten by U.S. government backed agencies (such as Fannie Mae and Freddie Mac). They would…. [read more]


Financial Management Firm Organization False Essay

… 4 Financial intermediaries

a. True

1.8 Financial markets

b. False

1.8 Financial markets

a. True. The part where Hale sells to the investment banker is a primary market transaction.

1.11 Stock market transactions

a. True

1.2 Partnership

b. False Partnerships still have difficulty raising large amounts of capital

1.2 Proprietorship

a. True

Multiple Choice:

1.2 Firm Organization

13. C.

1.2 Firm Organization

14. A

1.2 Firm Organization

15. D

1.2 Firm Organization

16. C

1.2 Firm Organization

17. A

1.2 Firm organization

18. C

1.4 Financial transactions

19. B

1.6 Interest rates

20. A

1.7 Hedge Funds

21. E

1.8 Money markets

22. D

1.8 Financial markets

23. B

1.8 Financial markets

24. E

1.8 financial markets

25. c

1.9 Financial markets

26. A

1.9…. [read more]


Bank of America's Strategic Initiatives Essay

… The company does this through innovative technologies, which enable individuals, small businesses, large businesses and corporate clients within the United States and across the globe to manage their financial lives in better ways.

Small Business Banking:

This is one of the major strategies that the company has taken under its marketing department to adapt to changing markets. The small business banking strategy contains a broad range of analysis data that help Bank of America to gain and maintain its market stability ("Bank of America Small Business Banking," n.d.). Through this strategy, the corporation has a comprehensive online banking facility that assists employees to manage their tasks and enables customers to access company information. The small business banking solution also contains business checking, cash management, easy…. [read more]


Charles Merrill: Visionary, Leader, and Wall Street Term Paper

… Charles Merrill: Visionary, Leader, And Wall Street Revolutionary

Charles Merrill, the co-founder of the Wall Street brokerage firm Merrill-Lynch, influenced his company's strategy, and the future of the securities industry as a whole, by his leadership: through offering new Wall Street investment alternatives to average individuals. Specifically, Charles Merrill was first to make possible, (and, with the information he provided, understandable) ways for individual investors to enter the American stock market, a venue previously available to, and understood by, only rich investors or corporations. Merrill "paved the way for the investor class," not just by making the stock market accessible to average Americans, but by offering, again through his company, related services, such as "How to Invest" articles, ads, and seminars aimed at demystifying the…. [read more]


Institutional Investors and Corporate Governance Thesis

… Fidelity

Five Holdings of Fidelity: Institutional Ownership

Fidelity Magellan: Noika, Corning, Canadian Natural Resources LTD, Monsanto, Staples

Fidelity Blue Chip Growth Fund: Microsoft, CISCO Systems, International Business Machinery Corporation, Schlumberger, Exxon Mobile

Fidelity Large Cap Stock Fund: Inverness Media Innovations, Honeywell, CISCO Systems, Staples, GE

The predominance of a major financial investment firm such as Fidelity in the holdings of these corporate entities suggests that Fidelity, rather than individual shareholders, may have more influence upon the decision-making of the boards of directors at these firms, because its ownership is so wide and far-reaching in relation to the numbers of the shares it owns and in terms of its influence in the world economy in general. The fact that the companies are already historically major players…. [read more]


Investment Portfolio for This Client Research Paper

… Conclusion

The portfolio is going to be constructed on the basis of providing a long-run return, because there is a relative lack of optimism about prevailing stock market conditions in the United States. The U.S. economy should actually do reasonably well, so stocks were chosen that will hopefully outperform the stock market. Health care and petroleum are obviously ongoing big businesses, along with fast food and beverages. It was also felt that construction & mining equipment was a good business to be in because of the value of commodities, as defense is usually a good business to be in -- it can be a hedge against conflict that otherwise destabilizes the markets. Online advertising is another good business in which to operate, so we have…. [read more]


Investment Strategy Term Paper

… Diversification can level out the risks of investing because the differing sectors of the market respond differently to economic shifts. By diversifying, a client can lower his risk, and thus create a more stable investment future.) Holding a diversified portfolio will not eliminate risk, but " it does allow you to choose what type of risk you are willing to take and the amount of each type of risk you are willing to bear," says William Droms, a finance professor at Georgetown University (Luke, 2000)

Regarding the Smiths, their small event horizon necessitates choosing farily conservative investment vehicles. Bonds, government bonds, and income oriented mutual funds are those which fit into their investment needs. Individual stocks, or aggressively positioned mutual funds will to too large…. [read more]


Business Improvements Research Paper

… In 2012 the company recorded a better than thirty percent increase in revenue year-over-year which was, as Mr. Steinberg the company's CEO attributed to diversification. He added, "We built upon our impressive track record of product development, launching the industry's fourth most successful new ETF based on assets gathered in the first quarter. The WisdomTree Emerging Markets Corporate Bond Fund (EMCB), which listed on March 8, 2012, was the first ETF launched in connection with our sub-advisory collaboration with Western Asset Management Company. (Steinburg, 2012)"

By expanding the company's product mix the company was able to create new opportunities for revenue streams which reflected on the company's financial statement. It is recommended that Wisdom Tree further diversify its product offerings in as many complimentary market…. [read more]


Risk and Return Research Paper

… Moderately conservative investors want to be protected somewhat from large downside market fluctuations, and are willing to not fully participate when the markets rally upwards (Ibid).

The moderately conservative investor's portfolio will still fall when the markets decline, but we want to be somewhat protected from sudden double-digit percentage declines. We also want to see low double-digit percentage gains when the financial markets are going up. This scenario is typically achieved by having a significant exposure to fixed income securities, several different types of stocks, real estate, and commodities that track inflation. Core equity classes are used, but very risky asset classes are still held to a minimum. Moderately conservative portfolios produce significant annual income yields that are typically in the range of 3% to…. [read more]


Strategy Research Paper

… They also have: consistently increasing earnings growth of 45.2% per quarter, they have delivered an ROE of 22.20% and they have low amounts of debt. At the same time, they have been paying a strong dividend going back to 1983. This is important, because the purchase of this security will provide: added amounts of growth and it will protect the portfolio against rises in the price of commodities. (Standard and Poor's, 2010)

In the case of Nue Core Steel Holdings (NUE), this stock is considered to be more of valuation purchase. The reason why is because the company has seen a tremendous slowdown in ROE. However, it has been modestly increasing by showing a return of: 2.22% over the past year. At the same time,…. [read more]


Diversification, Risk and Transactions Costs Term Paper

… ¶ … Diversification, Risk and Transactions Costs

Suppose that you have $100,000 to invest for one year. You are considering buying stocks. There are many companies whose stock you could potentially buy. Suppose that each company you are considering is very risky: in one year, the company's stock will either be worth nothing, or worth 2.1 times its current value, with each outcome equally likely (that is, each outcome has a probability of one half). Assume for simplicity that there are no dividends and no inflation. Assume that each company's fate is independent of each other company fate. Finally, assume for now that there is no brokerage or other transactions costs to buying stocks.

A a) Suppose you invest your entire $100,000 in one company's…. [read more]


Big Short - Michael Burry & Money Management Essay

… That would, in turn, lead to billions in new money entering the market and the prices of safety assets rising right alongside risk assets.

In Burry’s view, safety comes first. Thus, Burry’s risk mitigation methods are to look for stores of value, which is why he has been investing in land, water, and gold—traditional hedges in times of high risk (Panda Agriculture and Water Fund, 2018). Burry’s methods are based on macro observations—global issues regarding climate change and control, currency debasement the world over, and the perennial need for agriculture. It may not be as exciting as making a 500% return on credit default swaps—but Burry is practical: those things are once in a lifetime events and it does not do one any good…. [read more]


Polish Companies Reacted to Ethical Term Paper

… countrystudies.us/poland.htm).All parts of Poland favor potato cultivation; sugar beets, the most important industrial crop, grow mainly in the west and southeast (www.countrystudies.us/poland.htm).

Section 1.1.3. Labor Force

At the end of 1991, about 30.7% of Poland's estimated population of 38.3 million lived in urban centers with populations of 100,000 or more (www.countrystudies.us/poland.htm).The priority given urbanization and industrialization in postwar Poland caused the urban working class to grow dramatically and the rural working class to shrink proportionately in the first decade of communist rule (www.countrystudies.us/poland.htm).This process slowed considerably over the next three decades (www.countrystudies.us/poland.htm).

Section 1.2. The Polish Economy Under Communism

After World War II, a centrally planned socialist system was transplanted to Poland from the Soviet Union without any consideration for the differences in the level…. [read more]


Retirement and Estate Planning Research Paper

… Financial Management

Current Condition and Life Goals

My current financial condition is that I have a mortgage that I have been paying down for several years. I also have around $20,000 in credit card debt right now. I am in mid-career, working in a hospital as a clinical systems analyst. I have a car loan at present, and I am 45 years of age and a single mom. I expect to progress further in my career, which will come with increased responsibility and income. I have two goals as relating to retirement. The first is that I would like to retire at age 60, which is fifteen years from now. The second is that I would like to be debt-free sooner than that. In particular,…. [read more]


International Political Economics the Impact of UN Peacekeeper Corruption Term Paper

… International Political Economics: The Impacts of UN Peacekeeper Corruption

International political economy tries to understand global and international problems through a diverse interdisciplinary arrangement of theoretical perspectives and analytical tools. International political economy focuses on the constant breakdown of disciplinary boundaries amid politics and economics. it's not easy to image a world devoid of international political economy since the mutual interaction of international economics and international relations is prevalent. The political activities of nations apparently influence international business and the flow of money, which consequently affects the environment in which nations make political preferences, and entrepreneurs make economic preferences.

It appears impracticable to put into consideration significant questions regarding international economics or international politics in devoid of taking into consideration their mutual effects and influences.…. [read more]


Alternative Investment Vehicles Essay

… Determine the holding period return for each of the 3 investment alternatives open to Hector Francisco.

Return from buying shares:

Purchase price per share

= $57.5/-

Expected dividend per share

=$1.2 per share

% Return

($80 - $57.50 + $1.2)/$57.50 = 41.2%

Return from the call option of $50 strike = $2,200/$800 = 275%

Return from the call option of $60 strike = $1,500/$500 = 300%

c. Which course of action would you recommend if Hector simply wants to maximize profit? Would your answer change if other factors (e.g., comparative risk exposure) were considered along with return? Explain.

I would recommend buying $60 strike call option to maximize the profit because it gives the highest return than other two alternatives.

If we consider other factors…. [read more]


Finance for My Portfolio Term Paper

… 72

$1,944.00

9.72

1944

Options

SBUX

5

1.25

1.25

Bond

AT&T

2000

Mut Fund

Fidelity

40

Cash

CD

1

$283.80

1

$10,000

The portfolio was designed around the principle of long-term growth, emphasizing equity. Only 2% is in cash, with another 24% in a corporate bond. The remainder of the portfolio is in growth equities, or options. The leverage power of the option could be the determining factor of the success or failure of this portfolio, despite the small size that it has now.

The objective is to maximize earnings on this portfolio, while maintaining only a moderate amount of risk. That is why the bond is investment grade, and the stocks are fairly large companies -- there are no emerging markets or small caps…. [read more]


Ethical Issue With Nanomedicine Term Paper

… Ethics in Nanomedicine

The term "nanomedicine" is mainly a reference to the scientific technology called nanotechnology which is used to enhance or sustain health at a small level. This technology is being used in medical domains: such as the processes involved in the production of tissue in the human body; the transportation of drugs that help in the DNA treatment; as well as, studies that concentrate on the diagnostic instruments and procedures. The single most important merit that this form of health sustenance has over other medical procedures is its volume. Its volume is as small as a fragmented particle and this particle influences the duration of the effect of the serum and has a very specific design of deposition. Both these aspects allow the…. [read more]


Retirement Plan Financial Essay

… 4. Emergency cash funds will be part of the $500 per month (initially) that the client sets aside from current income. The amount of emergency cash that will be maintained will fluctuate but will be equal to three months of current living expenses.

5. Client's investment plan will to use the Modern Portfolio Theory and allocate assets into three separate categories for investment purposes. The three categories include; short-term (cash and liquid assets), middle-term (stocks, bonds, mutual funds, CD's etc.) and long-term investments (house, stocks, bonds, life insurance, annuities). Client will pick individual investments based upon the requirements, goals and objectives for each category.

6. Client's retirement plan will also implement the MPT and will be allocated into individual stocks and mutual funds that are…. [read more]


Pay Back Period Essay

… The beta may have periods of volatility that are higher or lower than expected.

Low beta stocks include resale / wholesale food; electric utility; educational services;a nd tobacco.

High beta stocks include semiconductor equipment; hospitality / hotel / gaming; private equity / financial services; and metal fabricating.

Low beta stocks are considered more stable and will show gains when the market is appreciating. Furthermore, when the market is dropping low beta stocks experience less of a drop and the investor will be in a better position than had he invested in riskier stocks.

However, since these gains are less than the market as a whole the investor will be better off investing in high beta stock particularly since these types of stocks rise more rapidly…. [read more]


Nature of a Company's Asset Base (Tangible Research Proposal

… ¶ … NATURE OF a COMPANY'S ASSET BASE (TANGIBLE OR INTANGIBLE) AFFECT CAPITAL STRUCTURE CHOICES: AN EXAMPLE USING INDIA DATA

The purpose of this paper is to investigate whether the nature of a company's asset base (tangible or intangible) affects the capital structure policies of that company. This will be done using company data and information from India, and through interviews examining the choice of capital structure and the role of asset tangibility from the perspective of those who actually operate these companies.

The study employs qualitative data in examining the nature of a company's asset base and whether it affects the capital structure choices. This is a personal choice of the people who operate the company, and the 'why' of what they do is…. [read more]

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