Thank you for coming in last week. I have looked at your portfolio, and have some initial observations. These are not specific recommendations, but rather investment issues to think about, based on your specific situation.
Your net portfolio is approximately $1,330,000. This does not include what you reported to be approximately $250,000 in various taxable accounts or any checking, savings or other accounts you may have.
Asset Allocation: Your allocation is approximately 86% stocks, 10% bonds, 3% cash & 1% other from the portion I analyzed. Of the stocks 71% are US & 15% foreign. As far as cap weightings, your portfolio is weighted more towards small cap stocks versus large caps by approximately 10% when compared to total US Stock market averages.
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Having a handle on expected spending in 6 years will be important in consideration of asset allocation, pension income and portfolio withdrawals.
New Home Strategy: You mentioned that you may consider moving after retirement, and a new home would require a cash outlay of approximately $400,000 versus your current home. Consideration of how you will pay for that will be important (build cash from current savings, gradually sell off some stock holdings in taxable accounts) as well as if or how much of a new mortgage you will hold.
Consider the TSP: Are you familiar with the TSP, the federal savings program that military members are eligible to participate in? There is a bond fund, the G fund that is in effect a high yield savings account in that it pays a higher rate of interest than traditional savings accounts and does not lose money. (Regular bond mutual funds lose money when interest rates rise). Kevin, as long as you are a member of the Guard, you can open a TSP account by contributing a portion of your Guard pay. Then, once established, you can roll other retirement accounts into a TSP account. The G Fund insulates investors from rising rates, in that the return will increase if interest
I’m actually pretty embarrassed about my performance in the practice of the spells we learned today. I actually did fairly well with the Stunning Spell. My partners and I were able to cast it at about the same time. With quick slashes downwards towards our opponents, we kept saying the incantation, Stupefy! We both also were quite adept at dodging the spells, so it took a little while for one of us to knock the other out. In the end, I won that round. It took a lot of focus, but not as much willpower. I was also holding back a bit, because I didn’t necessarily want to knock them out for long, even knowing the Reviving Charm. After getting some help from Professor Silvers to revive my partner, as I hadn’t mastered the Reviving Charm yet and the designated counter caster hadn’t quite gotten it either, we moved onto our practice of the Full
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
Thank you for your reply and the additional information. I wasn’t sure what direction I was going to go in this week until I begin to write on the topic provided. It is just so many things that influence the economy, even the environment. Supply and demand pushes output numbers; however, interest rates and employment number have a great effect on the economy as well. Again, thanks for the input and I look forward to your posting.
1) If a firm in a purely competitive industry is confronted with an equilibrium price of $5, its marginal revenue:
a. the value of exports is greater than the value of imports b. the value of exports is lower than the value of imports c. the value of exports is equal to the value of imports d. the value of
In this assignment, you need to think about 21st century support systems, the Common Core State Standards (CCSS), and International Society for Technology in Education Student (ISTE-S) standards and their relationship with quality instructional planning, delivery, and learner achievement. Using the Framework for 21st century learning as a resource, you will redesign or modify a prior activity, such as a lesson plan or curriculum project, that you created in a prior course. The redesigned coursework need to
For my TDAU thinkorswim portfolio I have had some technical problems, but overall after reviewing my portfolio over the last few weeks, I had decided to stay with my investments I made and will definitely be purchasing shares in another company and keeping a close eye on my portfolio. The companies that I originally have in my portfolio are AAPL (Apple), SBUX (Starbucks), and WMT (Wal-Mart). As of 10/5/2017, the current value of my portfolio is $19,566.15 and my portfolio’s rate of return as of 10/5/2017 is 2.08% (415.42/20,000*100).
The above calculation shows the optimal selling price of $5.96 using a quantity of 13611 this is compared as to competitor’s selling price of $6.00 from the regression analysis in Assignment 1.
The six stocks that I used to create my portfolio included Altera Corporation, Cabot Oil & Gas Corp., Dominion Resources, FMC Corporation, Chevron Corporation, and Nike Inc. Each of my stocks had weights, which I distributed for my $100,000. 20% of the $100,000 went towards Altera Corp., 15% to Cabot Oil $ Gas Corp., Dominion Resources, and Nike Inc. Finally I allocated 10% towards FMC Corp. and 25% towards Chevron Corporation. The stocks that I chose were intended to make my portfolio as diversified as possible so that I could receive high returns. I found that Dominion (D) Resources was the most steady and reliable
At retirement, we believe your home will sell for $370,000. We recommend placing a down payment greater than 20% on the new home and taking out a 15-year mortgage to cover the remaining costs. The remainder of the amount received from the sale of your current home should be invested and saved to cover costs throughout retirement. We recommend a 15-year mortgage because it increases the chance of you owning the home outright at the end of the plan and thus pass it to your children debt-free. Though the payments are higher than a 30-year mortgage, you will be paying less in interest and increase the likelihood of owning it outright. With a $400,000 dollar home, we recommend an $80,000 down payment and a $320,000 15-year mortgage at a 2.75% interest rate for a yearly payment of $27,245 or $2,271 a month. This annual amount is less than you are paying on your current home. A breakdown of what this mortgage will look like is located in the
1)From Nov.20th-Dec.31, my portfolio loss 5.41%. I can tell that I am losing 5.41% of my money that I invested and that I did not gain any money at all.
To investigate the effects of the land size (lotsize)and house size (sqrft) on the house price (price) in a particular suburb, the following model
This study investigated whether changes in social skills in children with autism spectrum disorders were apparent to camp interventionists and parents after an existing summer camp program that focused on interventions designed to target specific social skills. In this study the researchers were concerned with pre and post intervention measures but were not part of the actual interventions. The researchers asked parents who had children attending this already established summer camp to participate by providing ratings on their children. There was no random assignment in this intervention making this study quasi-experimental research. The researchers were looking for a positive change in children’s pre intervention measures and post intervention measures. Their hypothesis was that the children would have
The market portfolio consisted of 8 asset classes 1 , in which we used an adjusted allocation size based
Though you have several strengths related to your portfolio, our team did find a few areas that could be improved. Our primary issue with your current portfolio is your high equity allocation; this means that a majority of your portfolio is held in stocks. When a majority of your portfolio is held in stocks, you are not diversifying throughout all asset options available to you and are opening yourself up to a higher level of risk. By diversifying throughout different types of assets, cash, bonds, stocks, etc., you minimize your risk and are more likely to reach your goals.