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Essay Instructions: I need 3 full pages of reaction on the article "Investment Risk and the Insurance Cycle in the New Millennium "

Evaluate the character, validity and value of the paper. More importantly, consider the investment risk within the context of enterprise risk and comment if this is any more important than the other classes of risk.

I will email the article to you shortly.

Essay Instructions: Money Management ? Final Assessment Requirement

First analyze your own situation and risk profile (character, life-style, time horizon, objectives, etc), then reflect this is a portfolio of funds or ETF using the examples and providers chosen from David Costa?s book and Morningstar ? already downloaded and attached for the ESSAY. Use the selected investment vehicles and the determined asset allocation plus timing into the investment plan to justify the essay writing. A choice is made to prefer ETFs over active investment funds except one fund in the portfolio. Expect the explanation of this choices and in the essay through the literature attached.

See example of risk profiles in this document BCGE. Use similar risk profiles definitions (as explained in the textbook) and in the BCGE in the assessment.

Please note: As this is an essay you will need to use appropriate referencing system using the Harvard referencing system. Otherwise you will be penalized for inaccurate, missing and erroneous referencing.

(Essay: max 3000 words, plus tables as appropriate. tables and annexes are not part of the word count). Word limit: 3000 words (tables, bibliography and annexes excluded).

Pedagogical aim and expectations:
1. To critically evaluate the financial instruments available for investments
2. To analyze and evaluate the role and influence of the main actors in financial markets, both private and public.
3. To analyze the link between macro-economic forces and financial markets
4. To evaluate the risk and reward of investment possibilities and develop an investment strategy and portfolio that demonstrates informed investment decisions.

The overall structure should be as follows:
1. Cover/Title Page (1 page)
2. Table of Contents/List of Exhibits (1 page)
3. Executive Summary
4. Introduction (including description of oneself ? see below)
5. Main Report (with chapter/section listed, Portfolio description, Graphical presentation with the above requirements and conclusions)
5. Exhibits (if any)
6. List of references/Bibliography


Material to use and also reference:
1. The Portable Private Banker (ISBN: B0052P2Y9I) or The Portable Private Banker Printed Edition ISBN: 146355348X
2. www.etf.fm / www.ishares.com / http://library.morningstar.com/default.html
3. www.bloomberg.com / www.cnbc.com
4. Some related documents from Morningstar already attached
5. Behavioral Finance in Asset Management: A Primer
6. Investment Philosophy v4
7. The Triumph of Intelligence
8. 10 Ways to Beat an Index
9. The Active-Passive Debate: Market Cyclicality and Leadership Volatility
10. The High Dividend Yield Return Advantage
11. What Has Worked in Investing
12. AUDIO Lecture: Notes in PDF
13. Commodity ETFs
14. ETF Brochure ? IMPORTANT
15. ETF Investor Newsletter
16. Precious Metals ETFs
17. Sustainable ETFs
18. The Choice Between ETFs and Conventional Index Fund Shares
19. BCGE Rainbow Funds (Examples of Asset Allocation)
20. Global Core Investing
21. Investment Views: VP Bank
22. Private Banking made in Switzerland
23. Vanguard Principles for Investing Success
24. Indexed Investing_Prof. William Sharpe
25. Principle 3_ Minimize cost
26. ETFs and Investing Costs
27. Plus other Credible & Authentic Money Management or Portfolio Construction sources that the Writer/Researcher may find useful.
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My Situation and choices:
I am a European citizen at my 54 years of age living eleven ? thirteen years to retirement. Currently the founder and Managing Director of own Consulting Company ? specialized in Supply Chain, and Sourcing & Procurement processes optimization in most industries.
Prior to this, I had worked for different multinational companies and head different managerial position. I have more than 25 years? of experience in business regionally and globally.

My character:
Willing to accept a calculated risk to grow my wealth and relatively comfortable with investment risk. Aiming for higher long term returns and understand that this can also mean some sustained periods of poorer performance. I am prepared to accept significant fluctuations in value to try and achieve better long term return. High income and long term growth of capital.

My Strategic lifestyle profile: Medium to higher risk

Investment aim/Objectives:
Investing for Retirement supplement. To seize the opportunity in the market to grow the wealth for Retirement supplements therefore willing to include some calculated risky. Cost down, Not too higher volatility and Higher performance.

Investment Profile: ?Dynamic? Profile

Target:
Minimize risk to average or less average for above average or high return at a lowest possible Total Expense Ratio (TER)

Investment Sum: EUR 100,000

Dynamic Asset Allocation: Please refer to the Book ?The Portable Private Banker? by Dr. Costa and BCGE Rainbow Fund

Liquidity 0% - 25%
Bonds 25% - 35%
Equities 45% - 70%

Investment Vehicles Allocation:

Equities (65%)
15% CS ETF (IE) on NASDAQ 100 (IE00B53SZB19 / CSNDX) via
20% iShares Core S&P 500 Index Fund ETF (IVV)
15% SPDR Emerging Asia Pacific ETF (GMF)
15% Comstage ETF Commerzbank Commodity EW Index TR

Bonds
10% Schroder ISF Euro Bond A Acc ? Active Managed Fund via
10% iShares Barclays Capital $ Treasury Bond 7-10 ETF
10% iShares Euro High Yield Corporate Bond UCITS ETF

Cash
5%

Justify the Asset Allocation which is more diversified and geographically oriented. Broader exposure and leveraging for better performance and better protection. Average or less average risk for above and high return. Lower Total Expense Ratios for better outperformance.

Explain the Investment vehicles and the portfolio choices

Important Analysis on the following ratios and measurements:

Ratios:
- Sharpe ratio
- Sortino ratio
- Beta ratio
- TER

Measurements:
- Price/Earnings
- Price/Book
- Price/Sales
- Price/Cash flow
- ROE
- Dividend

Explain the rationales of the allocation, the financial market and the macroeconomics as stated in the material to use attached.

Make sure to report:
- Fund sector allocation
- Index sector allocation
- Fund top 10 holdings
- Index Top 10 holdings
- The type of Replication ( full/physical/complete/direct or Synthetic/Counterparty Swap
- Fund information and constituents per pie and the total constituents
- Compare with the index: 1yr, 3yr, 5yr

Essay Instructions: Trading with India



Due to the difficult financing conditions prevailing in the international credit markets and increased risk aversion by the lending counterparties, gross inflows of short-term trade credit to India declined in 2008-09 and this trend continued in 2009-10.



We'll use India as an example and learning tool to appreciate the complexities of international trade financing. The article in the case assignment readings list provides us with an opportunity to review the issues and appreciate the concepts and challenges.



Read the information in the background material, look for more information, and then write a 3 to 4 page paper answering the following questions:



What would your biggest concerns be if you were financing trade with India?



What could be done to minimize the risks?



Case Assignment Expectations:



In Module 3 Case Assignment, you are expected to:



?Describe the purpose of the paper and conclusion.



?Answer the case assignment questions clearly and provide necessary details.



?Provide a quality argument; that is, no poor sentence structure, no spelling and grammar mistakes or run-on sentences.



?Provide citations to support your argument and references on a separate page. Please use APA format to provide citations and references http://owl.english.purdue.edu/owl/resource/560/01/ or click Student Guide to Writing a High Quality Academic Paper.



?Answer all the case assignment questions in an essay format instead of point format. Please do not type questions in the paper.



?Type and double space the paper.



Grading Rubric: Click here.



Case Assignment Readings:

Anonymous (2010). NEWS: Export credit shows declining trend. Businessline, Chennai, pg. 1. Retrieved from library portal via coursenet.

Gill, A., Biger, N., & Tibrewala, R. (2010). Understanding and Mitigating Direct Investment Risk in the Indian Real Estate Market. Business and Economics Journal, 2010, 1-10. Retrieved from http://astonjournals.com/manuscripts/Vol2010/BEJ-2_Vol2010.pdf

For an overview of export payment methods, see:

Bizmove.com (2010). Methods of Payment and Export. Retrieved from http://www.bizmove.com/export/m7m.htm

Zeromillion.com (2010). Methods of payment in export. Retrieved from http://www.zeromillion.com/business/international/export-payment.html

Essay Instructions: Paper should address:
1. As a financial planner, create a process for assessing clients’ tolerance for investment risk and identify the key
factors evaluated to confirm your understanding of their risk level.
2. Describe the common debt and equity securities, and analyze the relative risks and returns associated with each.
3. Evaluate the level of risk associated with investing in bonds, stocks, and mutual funds.
4. Determine the portfolio mix of bonds, stocks, and mutual funds for someone with a high investment-risk tolerance; low-investment-risk tolerance, to include reason for the selected portfolio mix.



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