Premium Essay

Creating Your Investment Strategy

In: Business and Management

Submitted By leigh
Words 738
Pages 3
I am often asked which instruments make good investments. It may sound a bit dry but I have always said that it depends on what you have and what you need.

This sounds like a cop out. It isn’t. The reality is that HOW you invest will be determined by:

* How much you are investing * How big a loss you can afford to accept just in case, * How often you wish to generate returns, * How long you want to keep your investments, * How you react to uncertainties and * How much access you have to information that you would need to monitor and manage your investments.

Investment gurus may impress you with their so-called secret methods, but the truth is, it’s all a question of how much you have and what it is for.

Very few realize that this premise is based on the most basic principle in finance: diversity makes a market. Diversity breeds different instruments with different features to cater to the different needs of a diverse public.

Diversity

What does diversity have to do with investment options? That is like asking the difference between a happy employee who makes PhP10,000.00 a month and a grumpy executive who makes 20 times that amount. It’s all those dizzying zeros to the left of the decimal point and these can easily dictate how aggressive an investor you can be, the type of instruments you can consider in your portfolio and the returns that you can reasonably expect.

If financial institutions describe you as a “high networth individual”, you are in the richest tier of Filipino families. You have lots of savings (or you’re simply wealthy) and a high income allows you to have a high saving rate. This gives you the twin luxury of having a significant stock of investable funds and a strong flow of new savings. Without a doubt, you belong to the group I call the “Haves”.

For this group of investors, returns at par…...

Similar Documents

Premium Essay

Creating Your Dream Job

...Creating Your Dream Job Tanishia Skipper Denise Frevert Human Resource Management December 2, 2012 Create a job description and specifications for your dream job. My dream job would be a fashion buyer (you may know it as apparel buyer). I have always love high end fashion. As a child I would go into my mom’s closet and dress myself with her jewelry, pumps and different high end clothes. My mother always had different designer closes and shoes. I do believe that is where I began to love fashion because she would always dress very stylish. I grew to love to dress other people and show them how to put stuff together. My sisters would come and ask me what looked good together and what did not. By the time that I was 18 I would have my family members asking me about fashion. Then before I knew it it was something that I was doing naturally. I have come to realize that most people have no idea as to what all is involved in fashion. People do not understand that fashion does not only include putting colors together. I have a cousin that is a fashion buyer with Neiman-Marcus. She has been working for them for about 10 years now. She went to the University of New York to earn her degree in Business Management. She has been my inspiration as a fashion buyer. Being in this field of fashion allows you to travel across the country and it also allows you to be able to attend the different fashion weeks across the country. I am attending Strayer University and......

Words: 1247 - Pages: 5

Free Essay

Creating Your Dream Job

...Running head: CREATING YOUR DREAM JOB Creating Your Dream Job Abstract There is nothing more frustrating than to not be able to enjoy life through our sight. Thanks to the medical industry which has created a way to improve a person’s sight, Optometry was created. Doctors of Optometry (ODs) are the primary health care professionals for the eye. Optometrists examine, diagnose, treat, and manage diseases, injuries, and disorders of the visual system, the eye, and associated structures as well as identify related systemic conditions affecting the eye. Creating your Dream Job My dream job is as an Optometrist. The job description for an Optometrist consists of providing primary vision care. They examine people’s eyes to diagnose vision problems, eye disease, prescribe eyeglasses and contact lenses, as well as, coordinate and focus the eyes. As part of the optometrist job description they diagnose conditions caused by systemic diseases such as diabetes and high blood pressure, referring patients to other health practitioners as needed. Optometrists usually work in their own offices, generally a clean, well lighted, and comfortable. Setting their own schedules many work weekends and evenings to suit the needs of patients. Of all the Optometrists employed in the United States over 17,080 of them work in the offices of other healthcare practitioners such as ophthalmologists, physicians and other healthcare providers. Health and personal care stores, outpatient care...

Words: 650 - Pages: 3

Premium Essay

Creating Your Dream Job

...Assignment # 2 – “Creating Your Dream Job” Assignment # 2 – “Creating Your Dream Job” Samantha Conley BUS 310 – Human Resource Management Professor Demao 11/30/12 Create a job description and specifications for your dream job. Research and Development Specialist Job Description: Execute and lead all product research and development activities for approved business initiatives in a cross-functional and collaborative manner in an effort to support in coordinating design, development, validation, and documentation of systems & components. Provide technical support in response to customer needs and typically interacting with engineers at commercial, industrial, and other establishments. Collaborate with other personnel throughout the organization. Assess customer needs and develop solutions utilizing company resources to meet those needs. Communicate project specifics with company’s operational personnel to ensure that the objective of the project is accomplished in accordance with the customers schedule and needs. Provide accurate and current progress reports to management on the status of work activities including critical customer-related activities, and other projects as assigned. Product development, product improvement and product testing. Lab and Field performance testing. Project specific performance improvements. Customer correspondence for all field related performance issues. Lead retrofit......

Words: 873 - Pages: 4

Premium Essay

Investment Strategy

...Running Head: INVESTMENT STRATEGY TUI UNIVERSITY Ford Foundation Investment Strategy James J. Chapa FIN 504 Module 1 Case Assignment Dr. Geoffrey Clarkson January 24, 2009 The Ford Foundation’s investment policies are a critical component of continued organizational success. To support its wide range of programs, the Foundation relies on a solid financial foundation and reliable sources of income. Quality investments provide part of this critical revenue stream. Setting a solid investment strategy requires an understanding of investment fundamentals, coupled with the investment goals of the Foundation. Analysis of these concepts shows why the optimal investment strategy for the Ford Foundation differs from that of other organizations or even individual investors, as the unique goals of foundations require particular investment philosophies. The Foundation faces financial decisions concerning not only how to use money today, but how to manage money and assets saved for later use. The methods used to save or invest this capital have a dramatic effect on the Foundation’s ability to achieve its mission in the future. Inflation constantly threatens to erode the future purchasing power of today’s savings. All investors must find ways to “put their savings to work,” seeking rates of return that compensate or overcome the effects of inflation and ensure adequate funds exist to meet future needs. First, investors must determine their goals....

Words: 1735 - Pages: 7

Premium Essay

Creating and Executing Strategy

...Assignment 1: Creating and Executing Strategy Submitted to: Dr. Laura Pogue BUS 599: Strategic Management Strayer University Develop an argument supporting the importance of a strategic plan for the success of the defined business. The importance of the strategic plan for any company and its success cannot be either ignored or nor minimized. The strategic plan should be established with the groundwork of any potential business. The strategic plan provides a basic foundation and framework that will give executives a path to follow in regard to business operations. The path will affect the entire roster of employees, from the top executive down to the lowest staff member and everyone in between. Understanding the company strategy is vital and ensures total compliance throughout the organization. Lifeline Resources, a new-comer to the financial services arena, must follow a detailed strategic plan to guarantee the company’s successful entry in the market and ensure government compliance. In addition to serving as a guide for a company, the process of strategic planning followed by its implementation offers several additional benefits to upper level management teams. Understanding the plan will allow management to guide and direct the staff to ultimately achieve the great mission and vision created at the inception of the company. Far too often companies come complacent with growth and their success will plateau. Management at a guided...

Words: 1516 - Pages: 7

Premium Essay

Creating Your Dream Job

...WEEK 8 ASSIGNMENT 2 Creating Your Dream Job STUDENT: NDOWAR, TECUMSAY PROFESSOR: MCGRATH, CHRISTOPHER BUS310 DATE: DECEMBER 1, 2013 PAGE 1 Create a job description and specifications for your dream job. Research and Development Specialist Job Description: Execute and lead all product research and development activities for approved business initiatives in a cross-functional and collaborative manner in an effort to support in coordinating design, development, validation, and documentation of systems & components. Provide technical support in response to customer needs and typically interacting with engineers at commercial, industrial, and other establishments. Collaborate with other personnel throughout the organization. Assess customer needs and develop solutions utilizing company resources to meet those needs. Communicate project specifics with company’s operational personnel to ensure that the objective of the project is accomplished in accordance with the customers schedule and needs. Provide accurate and current progress reports to management on the status of work activities including critical customer-related activities, and other projects as assigned. Product development, product improvement and product testing. Lab and Field performance testing. Project specific performance improvements. Customer correspondence for......

Words: 875 - Pages: 4

Premium Essay

Creating Matketing Strategy

...Individual Internet Assignment Strategy is a plan of action developed to achieve a specific goal or objective. Strategic business planning isn’t just for large companies. It’s also required for small and mid-sized companies. Strategic evaluation is the assessment process that provides executives and managers performance information about programs, projects and activities designed to meet business goals and objectives. Corporate level strategies are developed to ensure that value is created in excess of its cost. The best business strategies will add more value than those of your competitors. This requires business leaders to identify where the opportunity for improvement exists and assess the company’s current capability to seize them using existing human capital resources. When evaluating business strategies that have already been implemented, it’s important to look at the company’s business goals and objectives. Projects, tasks and activities are developed to move these goals and objectives forward, which is best achieved by what Management review calls the SMART criteria: specific, measurable, achievable, relevant and time-limited. This will give management the opportunity to set milestones and asses the progress toward strategic business goals and objectives. An organization’s performance data might be the key indication that business goals and objectives need to be reviewed and re-evaluated. Strategic management can increase a small business’s effectiveness, but......

Words: 1109 - Pages: 5

Free Essay

Creating Your Dream Job

...Creating Your Dream Job Creating Your Dream Job Denise Frevert 12/15/2013 Bus 310 My Dream Job There is nothing more frustrating that waking up in the morning and going to work, but when you wake up to do what you love then you not working you are enjoying yourself. My dream job is to be a Register Nurse, ever since I was a little girl I dream of being a nurse to help people. Register Nurse is a nurse who has graduated from a nursing program at a college or university and has passed a national licensing exam. As a child I always play that I was the nurse and my cousins and brothers were my patients. I would provide care and medication to make them feel better: stickers were bandages and water or juice was the medication. It feels good helping others in need and it’s a pleasure to feel needed. Creating a job description and specifications for your dream job. When creating my dream job I need to know the basic functions of my job description and job specifications. Job description is a lists of tasks, duties and responsibilities that a particular job entails (Denisi /Griffin, 2012). A job specification focuses more on the individual who will perform the job, which indicate the knowledge, abilities, skills and other characteristics (Denisi/ Griffin, 2012). These are some of the job description and specification with this profession as registered nurses that I will typically be responsible in order to perform my job: * Record patients' medical histories and......

Words: 1648 - Pages: 7

Premium Essay

Investment Strategy and Portfolio Management

...INVESTMENT STRATEGY AND PORTFOLIO MANAGEMENT Executive Summary Kaplan is a charitable fund established in 2007 to provide an investment vehicle for investors seeking to finance some educational objectives. The aim of the fund is to grow members’ contributions through investment in securities. Investors in Kaplan are yet to start making withdrawals from the fund but are due to begin in June 2012. This report looks at current issues in the investment environment in the UK, Europe, and the rest of the world which have an impact on Kaplan’s operations. It also examines strategic asset allocation and investment strategies that Kaplan should employ to achieve its goals. In addition, the report recommends areas in which the fund’s management should actively manage investments and those areas in which passive management would be the better option. Overview of the Investment Environment In recent years, the global fund sector has continued to register robust growth in many countries with developed financial markets. Collective investment schemes are becoming the most preferred investment vehicles for investors because of their obvious advantages including diversification, professional management of investments, liquidity and investment advice for investors and superior returns (Roll, 2008). Indeed, as by the end of 2011, the global investment fund industry was worth US $11.7 trillion which translates to 17 percent of primary securities holdings around the world.......

Words: 2861 - Pages: 12

Premium Essay

Rising Rates and Your Investments

...Essay (Name) (University) Rising Rates and Your Investments Part I: Issues that I already know The interest rates in the bond markets keep on changing from time to time. This is as a result of various activities in the bond markets and a combination of factors that include shifts in the demand and supply of credits, policies enforced by Federal Reserve, inflation, prevailing conditions of the economy, the rates of exchange of various currencies and fiscal policies. Presently, the prices of bonds are affected by increasing rates of interest and prospects of economic recovery. The changes in interest rates affect the values of bonds in the stock markets. Therefore, for a person considering buying bonds, it is important to be aware of the effects of the various factors on the bonds. When the rate of interest increases, the prices of bonds owned decrease and on the other hand, when the rates of interest decrease, the bind prices increase. However, the change in interest rates does not affect all bonds equally. Generally, mature bonds are not much affected by changes in interest rates. Also, bonds are not similar as some have fixed bond rates while others have variable ones. Investors are advised to stay calm even if the interest rates of bonds increase until their bonds mature. Then they will be able to earn interests as opposed to selling their bonds when they realize that interest rates increase. In case the interest rates increase when......

Words: 709 - Pages: 3

Premium Essay

Investment Strategies

...DEVELOPING A STRATEGY FOR INVESTING FOR RETIREMENT Principles of Investment April 10, 2013 Abstract This paper explores the strategies for saving for retirement. It also looks into the reasons for early savings, the various ways to develop a retirement portfolio, and how to fund and maintain a retirement portfolio. This paper examines the advantages and disadvantages to various investment strategies. A close look is taken at the stock market and how this type of investment can benefit an investor. It also explores the dangers of the stock market and other types of investment strategies. This paper also provides an in-depth view of why it is important to save for retirement. DEVELOPING A STRATEGY FOR INVESTING FOR RETIREMENT According to Wikipedia, An investment strategy is a set of rules, behaviors or procedures, designed to guide an investor's selection of an investment portfolio. Usually the strategy will be designed around the investor's risk-return tradeoff: some investors will prefer to maximize expected returns by investing in risky assets, others will prefer to minimize risk, but most will select a strategy somewhere in between. (Wikipedia) The first step in my investment tactic is to define my goal. The second step will be to decide on an investment strategy. I will need to select the best way to put money into investments that have a solid track record. The third step will be to......

Words: 272 - Pages: 2

Free Essay

Creating Your Paper and Bibliography

...Creating Your Paper and Bibliography Format a Bibliography From a List of References 1. From the menu, select the Bibliography button. 2. Select an output format. 3. Click on Format a Bibliography from a List of References. 4. Select what file type to create. 5. Select to format all of your references or only those from a specific folder. 6. Click on Create Bibliography. 7. A new window will open with your bibliography. 8. Save your bibliography to your computer or disk. Write-N-Cite Paper Create a paper with in-text citations using the RefWorks Write-N-Cite feature. NOTE: This utility is comparable with both Windows and Macintosh applications. In order to use this feature, you must first download the Write-N-Cite utility from the Tools pull-down menu. 1. Open a new blank document in Microsoft Word. 2. Launch Write-N-Cite. 3. Put the cursor in your Microsoft Word document where the reference should be inserted; click Cite next to the reference in the RefWorks screen. 4. Save your Microsoft Word document when finished. Write-N-Cite Bibliography 1. Launch Write-N-Cite. 2. Click on Bibliography. 3. Select the output style. 4. Click on Create Bibliography. 5. A new window will open with the reformatted Microsoft Word document containing the bibliography. 6. Save your Microsoft Word document. One Line/Cite View Bibliography 1. Save the document you have just created before formatting the paper and the bibliography. 2. Click on the Bibliography button from the Citation Viewer......

Words: 593 - Pages: 3

Premium Essay

Creating Your Own Stencils

...Creating your own Stencils. A Simple Step by Step Students have ask many times ‘Do you make your own stencils?’ and ‘How?’ Yes we do, and with this short demo, I will show you how to make a negative space stencil from an image found on the internet. (A negative space stencil, is a stencil you spray thru. A positive space stencil, is a stencil you spray around) This step by step assumes that you have basic knowledge of searching the internet, saving images to your computer and using an editing software to send files to a plotter/cutter. This demo will only scratch the surface of the use of a plotter. For more in-depth and detailed instruction of the plotter and how it can be a valuable tool in your airbrush tool box, I highly recommend you take the Plotter Mastery Class with Mike Learn. Step 1: Search the internet for the image you desire. For purposes of this demo, we will search for a sailing boat vector. Always search for the largest sized vector file when possible. Enter ‘sailing boats vector’ into the search bar. Step 2: Search Images and change the Search Tools to Large. Figure A: I chose an image that is 1300 x 1390 in size. Figure B: This should give us good clean edges for the stencil Figure A: Figure B: Step 3: Open the image, right click and save. Step 4: Open the file in Photoshop, or compatible software. As you can see, there are many boats on the image I saved. I crop out......

Words: 485 - Pages: 2

Premium Essay

Personal Investment Strategy

...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......

Words: 1232 - Pages: 5

Premium Essay

Redefining Your Management Strategy

...Redefining Your Management Strategy The Six Sigma management theory still appeals to me because it helps to identify process inefficiencies and strategies on how to measure error rates and decrease project cycle time. It also focuses to eliminate non-value added processes to deliver quality, and yield higher productivity and revenue. I could proactively use the DMAIC model (Define, Measure, Analyze, Improve, and Control) to help complete project reviews, and also prepare for internal and external audits. However, I will add that the Contingency management theory slightly appealed to me after reading this week’s resources. While I can apply Six Sigma to improve internal operations, the Contingency management theory was insightful in proving that no two studies are alike. It allows an alternative plan or decision to prepare for the unknown in advance, depending on project context. My studies vary in start date, therapeutic indication, and marketed outcomes; therefore, this theory supports that different approaches yield better performance based on different factors related to uncertainty, complexity, team empowerment criticality, and urgency (Howell, Seidel, & Windahl, 2010). The Situational Leadership theory appealed to me because leadership style is adjusted per team knowledge and individual development. My leadership style is divided between directing and supporting, and my behavior is both supportive and directive – leaning slightly more towards......

Words: 741 - Pages: 3