An infographic to easily explain the process of conversion and equity split as consequence of funding with convertible notes.
To find out more check out: https://www.equidam.com/startup-resources/
Compute your company value for free and in minutes at https://www.equidam.com/
The document discusses the trade-off between risk and return in investments. It provides three key points:
1. Expected return represents the marginal benefit of investing while risk is the marginal cost. There is always a trade-off between higher expected return and higher expected risk.
2. The discounted cash flow (DCF) method uses three steps to value risky assets: determining expected cash flows, choosing a discount rate reflecting the asset's risk, and calculating present value.
3. Risk and return are positively correlated both across asset classes and for individual securities - investors require a higher expected return to accept more risk. However, diversification can reduce unsystematic risk for a portfolio.
Very few of us are coached to be financially smart and create assets during early stage of our careers. That results in weak financial positions 5 years or 10 years into our careers. In this presentation I share simple tips to keep financial health and create assets as we progress in our careers
The document discusses wealth management processes such as managing investments, selecting investment managers, developing an investment policy, and monitoring performance. It provides examples of dollar cost averaging versus lump sum investing in different market conditions and concludes that while lump sum investing carries higher risk, it also provides higher potential rewards. The document also covers selecting financial advisors and developing an investment policy statement to guide investment decisions.
An investment is defined as committing funds with the expectation of earning a positive return in the future. It involves sacrificing present consumption for future benefits and always carries some degree of risk that the actual return may be lower than expected. The key elements of any investment are expected return, risk, safety, liquidity, and potential tax benefits. Common avenues of investment include bonds, gold, mutual funds, real assets, equities, insurance policies, and financial derivatives. Factors like current events, currency valuations, production costs, and economic/political uncertainty can influence fluctuations in gold prices over time.
Smart Directions | Bonds & Annuities | March 17, 2016emmetoneallibrary
This document provides information about annuities and bonds. It defines annuities as investments that convert a lump sum into a stream of monthly income for a fixed period or lifetime. It describes different types of annuities including single premium deferred annuities, single premium immediate annuities, variable annuities, and index annuities. It also defines bonds as traded loans that provide predictable income and discusses types of bonds as well as risks associated with bond investments like interest rate risk and default risk.
How Do Convertible Notes Work For Early-stage FinancingEquidam
What is the definition of convertible debt and how to use it in early-stage startup financing. You can also see the calculations we made using our Convertible Note Calculator.
To read more take a look at this article: https://www.equidam.com/practical-advice-pricing-convertible-note/
Compute your company valuation for free at https://www.equidam.com/
This document defines risk and return in investments. Return is the expected profit from an investment based on current information, while risk refers to the chance of losing some or all of the original investment. Generally, investments with higher risk like equity shares have higher expected returns around 10%, while lower risk debt instruments average 3-4% returns. However, equity shares also experience more volatile short-term returns. The relationship between risk and return is such that higher risk investments offer higher potential returns. Diversifying investments across a portfolio can help reduce overall risk.
An infographic to easily explain the process of conversion and equity split as consequence of funding with convertible notes.
To find out more check out: https://www.equidam.com/startup-resources/
Compute your company value for free and in minutes at https://www.equidam.com/
The document discusses the trade-off between risk and return in investments. It provides three key points:
1. Expected return represents the marginal benefit of investing while risk is the marginal cost. There is always a trade-off between higher expected return and higher expected risk.
2. The discounted cash flow (DCF) method uses three steps to value risky assets: determining expected cash flows, choosing a discount rate reflecting the asset's risk, and calculating present value.
3. Risk and return are positively correlated both across asset classes and for individual securities - investors require a higher expected return to accept more risk. However, diversification can reduce unsystematic risk for a portfolio.
Very few of us are coached to be financially smart and create assets during early stage of our careers. That results in weak financial positions 5 years or 10 years into our careers. In this presentation I share simple tips to keep financial health and create assets as we progress in our careers
The document discusses wealth management processes such as managing investments, selecting investment managers, developing an investment policy, and monitoring performance. It provides examples of dollar cost averaging versus lump sum investing in different market conditions and concludes that while lump sum investing carries higher risk, it also provides higher potential rewards. The document also covers selecting financial advisors and developing an investment policy statement to guide investment decisions.
An investment is defined as committing funds with the expectation of earning a positive return in the future. It involves sacrificing present consumption for future benefits and always carries some degree of risk that the actual return may be lower than expected. The key elements of any investment are expected return, risk, safety, liquidity, and potential tax benefits. Common avenues of investment include bonds, gold, mutual funds, real assets, equities, insurance policies, and financial derivatives. Factors like current events, currency valuations, production costs, and economic/political uncertainty can influence fluctuations in gold prices over time.
Smart Directions | Bonds & Annuities | March 17, 2016emmetoneallibrary
This document provides information about annuities and bonds. It defines annuities as investments that convert a lump sum into a stream of monthly income for a fixed period or lifetime. It describes different types of annuities including single premium deferred annuities, single premium immediate annuities, variable annuities, and index annuities. It also defines bonds as traded loans that provide predictable income and discusses types of bonds as well as risks associated with bond investments like interest rate risk and default risk.
How Do Convertible Notes Work For Early-stage FinancingEquidam
What is the definition of convertible debt and how to use it in early-stage startup financing. You can also see the calculations we made using our Convertible Note Calculator.
To read more take a look at this article: https://www.equidam.com/practical-advice-pricing-convertible-note/
Compute your company valuation for free at https://www.equidam.com/
This document defines risk and return in investments. Return is the expected profit from an investment based on current information, while risk refers to the chance of losing some or all of the original investment. Generally, investments with higher risk like equity shares have higher expected returns around 10%, while lower risk debt instruments average 3-4% returns. However, equity shares also experience more volatile short-term returns. The relationship between risk and return is such that higher risk investments offer higher potential returns. Diversifying investments across a portfolio can help reduce overall risk.
These slides examine some of the positives and negatives of mutual funds. Take a look and find out whether they are the right asset for your portfolio.
This document discusses how to value bonds and stocks. It defines bonds, how bond values are determined from present values of coupon payments and par value, and how bond prices are inversely related to market interest rates. It also discusses how to value common stocks based on present values of expected future dividends and capital gains, using dividend discount models for stocks with zero, constant, or differential growth. Growth opportunities can increase stock value if positive NPV projects are undertaken. The price-earnings ratio is also discussed.
A cashflow model projects financial payments and receipts over time. It distinguishes between positive cashflows (receipts/income) and negative cashflows (payments/outgo). The net cashflow at any point is the difference between positive and negative cashflows. The document discusses cashflow matching, where an entity invests assets to match expected liability cashflows. It also provides examples of cashflow scenarios for different financial instruments like annuities, loans, and insurance policies. These involve initial and ongoing cashflows of known or uncertain amounts depending on factors like mortality rates.
The document discusses various financial metrics and ratios that are important to the Credit Union's strategic plan. It identifies metrics like capital/assets, ROA, delinquency, net charge-off, net interest margin/assets, operating expenses/assets, etc. For each metric, it provides an explanation of what the metric measures and why it is important. Historical data for the Credit Union's metrics are presented along with peer averages for comparison. The document aims to analyze the Credit Union's financial performance and risks.
Risk Return Trade Off PowerPoint Presentation SlidesSlideTeam
Presenting this set of slides with name - Risk Return Trade Off Powerpoint Presentation Slides. This deck consists of total of twenty nine slides. It has PPT slides highlighting important topics of Risk Return Trade Off Powerpoint Presentation Slides. This deck comprises of amazing visuals with thoroughly researched content. Each template is well crafted and designed by our PowerPoint experts. Our designers have included all the necessary PowerPoint layouts in this deck. From icons to graphs, this PPT deck has it all. The best part is that these templates are easily customizable. Just click the DOWNLOAD button shown below. Edit the colour, text, font size, add or delete the content as per the requirement. Download this deck now and engage your audience with this ready made presentation.
Maturity risk premium is the extra return an investor demands for bearing the risk of longer maturity financial instruments. This risk includes default risk, interest rate risk, and reinvestment risk. There is a close connection between maturity risk premium and interest rate risk, as the premium helps offset the risk of interest rates rising above the set rate for longer term securities. Maturity risk premium can be calculated by taking the yield on 10-year Treasury bills and subtracting the yield on 1-year Treasury bills.
Risk involves uncertainty about potential future problems or losses. It describes the variability in returns around an expected average outcome. There are several types of risk, including market risk from macroeconomic factors, purchasing power risk from inflation, interest rate risk for bond prices, and business risks from uncertainties like changes in tastes, competition or policies. Financial risk specifically refers to the possibility of sudden monetary losses related to financing.
This document discusses the importance of understanding an individual's risk tolerance and capacity for loss when developing an investment strategy. It recommends using online tools to determine a risk profile and expected returns. The document also emphasizes focusing on managing risk rather than chasing returns, maintaining a diversified portfolio, and rebalancing over time. It stresses the importance of low fees and working with a regulated financial advisor to develop an appropriate long-term investment plan.
Partners Healthcare is a not-for-profit healthcare system in Massachusetts with dozens of partner organizations. It has a centralized investment council that manages several investment pools, including a short-term pool (STP) and long-term pool (LTP). The LTP previously consisted of domestic and foreign equities and long-term bonds. The council is now considering adding real assets like REITS and commodities to the LTP.
Analyzing the addition of these real assets shows that including REITS or commodities each improve the risk-return profile compared to the baseline LTP. When considering an investor with lower risk tolerance, REITS provide a better risk-return tradeoff than commodities when added to the
The document discusses the concepts of realized return, expected return, risk, and the efficient market hypothesis. It provides examples of calculating realized returns from investments in stocks and defines expected return as the average of possible future returns weighted by their probabilities. Risk is measured using variance and standard deviation, with higher values indicating greater risk. The efficient market hypothesis suggests that market prices reflect all available information.
This document discusses global investment options including:
1) Money market securities like T-bills that are very liquid but low return.
2) Fixed income investments like Treasury securities, municipal bonds, corporate bonds that provide regular interest payments but carry various credit risks.
3) International bonds have additional risks from exchange rate fluctuations.
4) Preferred stock provides regular dividends but dividends are not legally guaranteed like bond interest.
Stock valuation ppt @ bec doms on finaceBabasab Patil
The document discusses various methods for valuing stocks, including forecasting future cash flows, earnings, dividends and stock prices. It outlines three main steps: 1) forecasting future sales and profits, 2) forecasting EPS and dividends, and 3) forecasting the stock's future price using the P/E ratio. Several valuation models are described, such as the dividend valuation model using zero, constant and variable growth assumptions, as well as price-earnings, price-to-cash-flow and price-to-book-value approaches. Required rates of return and intrinsic value are also discussed as factors in determining if a stock is undervalued or overvalued.
The document provides an overview of a market neutral income investment strategy that aims to produce regular income through short-term investments lasting less than a month. It uses a combination of equity tools like stocks, puts, calls, and spreads to generate returns regardless of market direction. The strategy involves screening securities for risk and return factors and executing both long and short transactions. It aims to generate returns through the collection of option premiums as contracts near expiration while maintaining diversification and minimizing correlation to markets.
STOCKS, SHARES, EQUITY SHARES, PREFERENCE SHARES, BONDS, DEBENTURES, STOCK VALUATION, FEATURES OF COMMON STOCK, DETERMINING COMMON STOCK VALUES, EFFECTIVE MARKETS, etc.
The document discusses portfolio management of Partners Healthcare's long term investment pool. It analyzes including real assets like real estate investment trusts (REITs) and commodities to diversify risk and boost returns. Mean-variance analysis of different asset mixes shows portfolios including REITs and commodities achieve higher expected returns with lower risk than the baseline mix or portfolios with just one real asset. The recommendation is to incorporate real assets into the long term investment pool to improve the risk-return profile.
The document discusses international diversification and its benefits. It explains that international diversification reduces total portfolio risk because securities in different countries tend to have low correlations. While international investments carry additional risks like foreign exchange risk, a portfolio manager can decrease overall risk by including global securities that behave differently than domestic holdings. The document also reviews several international investment concepts like purchasing power parity and covered interest arbitrage.
Asset allocation involves dividing investments among different asset classes to reduce risk through diversification. The key steps are determining an appropriate risk profile based on goals and time horizon, then allocating funds across stocks, bonds, and other assets. The main strategies are strategic asset allocation, which assigns long-term weights, and tactical asset allocation, which allows short-term deviations. The optimal mix depends on an individual's risk tolerance and time horizon.
Three analyst reports were sent to an investment adviser about Vegas Chips, Inc., a young, growing company. The reports depicted the company as speculative but had different projections for future earnings and dividend growth rates. All three reports showed that in the last year, Vegas Chips earned $1.20 per share and that a fair return for investors is 14%. Management also expects to consistently earn a 15% return on book value. The variable growth model should be used to value the stock since the company's dividend growth rate is expected to vary, with rapid growth in the first few years becoming constant later.
This document discusses balancing saving for retirement and paying for college. It notes that things were different for previous generations who had lower college costs and more robust pensions. While the most expensive option is paying for an Ivy League education, focusing only on retirement means children may have limited college options. The best approach is open communication where both retirement and college are prioritized, including getting children involved in saving for college. Tax-advantaged retirement accounts can be used for college with some pros and cons. 529 plans are also an option after addressing retirement needs. The document provides details on Alabama's 529 plan options.
AES International is a multi-award winning international wealth management and employee benefits organisation.
Find out why you should join our movement: https://www.aesinternational.com/
AES International is a multi-award winning international wealth management and employee benefits organisation.
Find out why you should join our movement: https://www.aesinternational.com/
These slides examine some of the positives and negatives of mutual funds. Take a look and find out whether they are the right asset for your portfolio.
This document discusses how to value bonds and stocks. It defines bonds, how bond values are determined from present values of coupon payments and par value, and how bond prices are inversely related to market interest rates. It also discusses how to value common stocks based on present values of expected future dividends and capital gains, using dividend discount models for stocks with zero, constant, or differential growth. Growth opportunities can increase stock value if positive NPV projects are undertaken. The price-earnings ratio is also discussed.
A cashflow model projects financial payments and receipts over time. It distinguishes between positive cashflows (receipts/income) and negative cashflows (payments/outgo). The net cashflow at any point is the difference between positive and negative cashflows. The document discusses cashflow matching, where an entity invests assets to match expected liability cashflows. It also provides examples of cashflow scenarios for different financial instruments like annuities, loans, and insurance policies. These involve initial and ongoing cashflows of known or uncertain amounts depending on factors like mortality rates.
The document discusses various financial metrics and ratios that are important to the Credit Union's strategic plan. It identifies metrics like capital/assets, ROA, delinquency, net charge-off, net interest margin/assets, operating expenses/assets, etc. For each metric, it provides an explanation of what the metric measures and why it is important. Historical data for the Credit Union's metrics are presented along with peer averages for comparison. The document aims to analyze the Credit Union's financial performance and risks.
Risk Return Trade Off PowerPoint Presentation SlidesSlideTeam
Presenting this set of slides with name - Risk Return Trade Off Powerpoint Presentation Slides. This deck consists of total of twenty nine slides. It has PPT slides highlighting important topics of Risk Return Trade Off Powerpoint Presentation Slides. This deck comprises of amazing visuals with thoroughly researched content. Each template is well crafted and designed by our PowerPoint experts. Our designers have included all the necessary PowerPoint layouts in this deck. From icons to graphs, this PPT deck has it all. The best part is that these templates are easily customizable. Just click the DOWNLOAD button shown below. Edit the colour, text, font size, add or delete the content as per the requirement. Download this deck now and engage your audience with this ready made presentation.
Maturity risk premium is the extra return an investor demands for bearing the risk of longer maturity financial instruments. This risk includes default risk, interest rate risk, and reinvestment risk. There is a close connection between maturity risk premium and interest rate risk, as the premium helps offset the risk of interest rates rising above the set rate for longer term securities. Maturity risk premium can be calculated by taking the yield on 10-year Treasury bills and subtracting the yield on 1-year Treasury bills.
Risk involves uncertainty about potential future problems or losses. It describes the variability in returns around an expected average outcome. There are several types of risk, including market risk from macroeconomic factors, purchasing power risk from inflation, interest rate risk for bond prices, and business risks from uncertainties like changes in tastes, competition or policies. Financial risk specifically refers to the possibility of sudden monetary losses related to financing.
This document discusses the importance of understanding an individual's risk tolerance and capacity for loss when developing an investment strategy. It recommends using online tools to determine a risk profile and expected returns. The document also emphasizes focusing on managing risk rather than chasing returns, maintaining a diversified portfolio, and rebalancing over time. It stresses the importance of low fees and working with a regulated financial advisor to develop an appropriate long-term investment plan.
Partners Healthcare is a not-for-profit healthcare system in Massachusetts with dozens of partner organizations. It has a centralized investment council that manages several investment pools, including a short-term pool (STP) and long-term pool (LTP). The LTP previously consisted of domestic and foreign equities and long-term bonds. The council is now considering adding real assets like REITS and commodities to the LTP.
Analyzing the addition of these real assets shows that including REITS or commodities each improve the risk-return profile compared to the baseline LTP. When considering an investor with lower risk tolerance, REITS provide a better risk-return tradeoff than commodities when added to the
The document discusses the concepts of realized return, expected return, risk, and the efficient market hypothesis. It provides examples of calculating realized returns from investments in stocks and defines expected return as the average of possible future returns weighted by their probabilities. Risk is measured using variance and standard deviation, with higher values indicating greater risk. The efficient market hypothesis suggests that market prices reflect all available information.
This document discusses global investment options including:
1) Money market securities like T-bills that are very liquid but low return.
2) Fixed income investments like Treasury securities, municipal bonds, corporate bonds that provide regular interest payments but carry various credit risks.
3) International bonds have additional risks from exchange rate fluctuations.
4) Preferred stock provides regular dividends but dividends are not legally guaranteed like bond interest.
Stock valuation ppt @ bec doms on finaceBabasab Patil
The document discusses various methods for valuing stocks, including forecasting future cash flows, earnings, dividends and stock prices. It outlines three main steps: 1) forecasting future sales and profits, 2) forecasting EPS and dividends, and 3) forecasting the stock's future price using the P/E ratio. Several valuation models are described, such as the dividend valuation model using zero, constant and variable growth assumptions, as well as price-earnings, price-to-cash-flow and price-to-book-value approaches. Required rates of return and intrinsic value are also discussed as factors in determining if a stock is undervalued or overvalued.
The document provides an overview of a market neutral income investment strategy that aims to produce regular income through short-term investments lasting less than a month. It uses a combination of equity tools like stocks, puts, calls, and spreads to generate returns regardless of market direction. The strategy involves screening securities for risk and return factors and executing both long and short transactions. It aims to generate returns through the collection of option premiums as contracts near expiration while maintaining diversification and minimizing correlation to markets.
STOCKS, SHARES, EQUITY SHARES, PREFERENCE SHARES, BONDS, DEBENTURES, STOCK VALUATION, FEATURES OF COMMON STOCK, DETERMINING COMMON STOCK VALUES, EFFECTIVE MARKETS, etc.
The document discusses portfolio management of Partners Healthcare's long term investment pool. It analyzes including real assets like real estate investment trusts (REITs) and commodities to diversify risk and boost returns. Mean-variance analysis of different asset mixes shows portfolios including REITs and commodities achieve higher expected returns with lower risk than the baseline mix or portfolios with just one real asset. The recommendation is to incorporate real assets into the long term investment pool to improve the risk-return profile.
The document discusses international diversification and its benefits. It explains that international diversification reduces total portfolio risk because securities in different countries tend to have low correlations. While international investments carry additional risks like foreign exchange risk, a portfolio manager can decrease overall risk by including global securities that behave differently than domestic holdings. The document also reviews several international investment concepts like purchasing power parity and covered interest arbitrage.
Asset allocation involves dividing investments among different asset classes to reduce risk through diversification. The key steps are determining an appropriate risk profile based on goals and time horizon, then allocating funds across stocks, bonds, and other assets. The main strategies are strategic asset allocation, which assigns long-term weights, and tactical asset allocation, which allows short-term deviations. The optimal mix depends on an individual's risk tolerance and time horizon.
Three analyst reports were sent to an investment adviser about Vegas Chips, Inc., a young, growing company. The reports depicted the company as speculative but had different projections for future earnings and dividend growth rates. All three reports showed that in the last year, Vegas Chips earned $1.20 per share and that a fair return for investors is 14%. Management also expects to consistently earn a 15% return on book value. The variable growth model should be used to value the stock since the company's dividend growth rate is expected to vary, with rapid growth in the first few years becoming constant later.
This document discusses balancing saving for retirement and paying for college. It notes that things were different for previous generations who had lower college costs and more robust pensions. While the most expensive option is paying for an Ivy League education, focusing only on retirement means children may have limited college options. The best approach is open communication where both retirement and college are prioritized, including getting children involved in saving for college. Tax-advantaged retirement accounts can be used for college with some pros and cons. 529 plans are also an option after addressing retirement needs. The document provides details on Alabama's 529 plan options.
AES International is a multi-award winning international wealth management and employee benefits organisation.
Find out why you should join our movement: https://www.aesinternational.com/
AES International is a multi-award winning international wealth management and employee benefits organisation.
Find out why you should join our movement: https://www.aesinternational.com/
This document provides key information about the TD Monthly Income Fund, including its objectives, risks, costs and past performance. The fund invests mainly in Canadian stocks and bonds and aims to generate income. It carries a low to medium risk level. Over the past 10 years, the fund has generated an average annual return of 5.4%. Fees include a 1.47% MER for management and administration.
This document discusses investment policies and strategies for non-profit organizations. It provides examples of investment policy statements and discusses key components like objectives, asset allocation, spending policies, and performance monitoring. It emphasizes the importance of having a documented investment roadmap to protect against emotional decisions and outlines factors like market conditions and inflation that non-profits should consider for short and long-term spending goals. The document also cautions against back-tested strategies and suggests non-profits evaluate investment manager performance against both static and dynamic benchmarks.
This document discusses key concepts in investments including the components of required rate of return, types of investments, basic investment philosophies, and careers in the investment field. It explains that an investment requires committing resources for a period of time in expectation of future compensation for time, inflation, and risk. The required rate of return has three components - the real interest rate, expected inflation, and a risk premium. Investors should consider the risk-return tradeoff, market efficiency, taxes and expenses, and diversification. Ethics and regulations are important in the investment industry. Potential careers include being a financial representative, analyst, portfolio manager, or planner.
This document provides information about Confluence Investment Advisors, a fee-only advisory firm that constructs low-cost ETF portfolios for individual investors. Key points:
- Confluence charges significantly lower fees than a typical advisor, saving clients thousands per year.
- The firm's founder, Paul Fraker, has decades of experience in finance and investment management.
- Confluence takes a passive approach, constructing globally diversified ETF portfolios tailored to each client's goals, risk tolerance, and tax situation. ETFs provide broad exposure at very low costs.
- By using low-fee ETFs and charging only for portfolio management, Confluence aims to maximize investors' returns over time
Probate To Distribution Of Assets Case Studyshulmandemeo
This document outlines a multi-strategy income portfolio designed for a client who recently inherited $15M and needs substantial income immediately. The portfolio includes high yield closed-end equity funds, high yield preferred equity funds, master limited partnerships, real estate investment trusts, high yield corporate closed-end funds, and government closed-end funds. These different strategies are expected to provide an average effective yield of 7.44% while balancing income and capital appreciation. The portfolio was created by an advisor to meet the client's goals of retiring immediately and maintaining their lifestyle with a moderately conservative inheritance.
Introduction to investing power point presentation 1.12.1.g1nadinesullivan
The document provides an introduction to investing, including key concepts like rates of return, risk, inflation, common investment tools (stocks, bonds, mutual funds, etc.), and tax-sheltered investments. It explains that the Rule of 72 allows investors to calculate how long it takes an investment to double based on its interest rate. It also emphasizes that higher potential returns generally come with higher risks and discusses strategies like diversification to reduce risk.
This document discusses key concepts related to investment risk and returns. It explains that return allows investors to measure investment performance and build wealth over time. Both internal factors like management and external forces like economic environment impact investment returns. The document also distinguishes between market risk, which is outside an investor's control, and business risk, which depends on management decisions. Finally, it defines concepts like required rate of return, real rate of return, and risk premium that investors use to evaluate investments.
The document provides an overview of the portfolio management process at ARIAN Capital. It discusses that ARIAN aims to help investors build wealth over time by leveraging the team's expertise and resources. The document then covers various aspects of portfolio management including asset allocation, investment constraints, developing a policy statement, evaluating risk and return, and factor affecting an investor's risk tolerance.
This document discusses low-cost investing using exchange traded funds (ETFs) for retirement. It argues that mutual funds are a flawed model for most investors due to their high fees which eat into returns over time. ETFs provide a better, cheaper alternative for gaining exposure to stock and bond markets while minimizing taxes and costs. The document presents strategies using low-cost ETFs from Vanguard, iShares and other providers to build globally diversified portfolios and outlines the services provided by Confluence Investment Advisors to manage ETF portfolios.
This document provides an overview of company analysis, industry analysis, macroeconomic analysis, and valuation. Some key points:
1) When analyzing companies, it's important to view stocks as shares of a business and understand the business model, management, growth prospects, and price paid. Growth is the most important factor for long-term returns.
2) Industry analysis involves defining industry characteristics like growth drivers, profitability, competition, and analyzing macro factors that could impact the industry.
3) Macroeconomic analysis can help determine overall market outlook and identify economic cycle points for entry or exit. Tracking consistency of valuations and earnings is important.
4) Valuation is the single biggest determinant of investment success.
The document provides information about Ameriprise Financial and its services. It discusses Ameriprise Financial's history of helping clients through challenging economic times with a focus on goals and dreams. It also outlines four cornerstones of financial planning: liquidity, investment, protection, and tax planning.
Forming an efficient portfolio and client educationAmit Mittal
The document discusses key concepts in wealth management including investment process, risk-return relationship, diversification, and asset allocation. It explains that the investment process involves understanding a client's needs, planning investments, implementing the plan, and evaluating performance. Diversifying across uncorrelated asset classes can lower portfolio risk without reducing returns. Asset allocation is important as it determines expected returns and risk levels based on allocating investments across equity, fixed income, real estate, and cash assets according to a client's goals and risk tolerance.
This document provides information to educate investors on various investment concepts and strategies. It discusses the impacts of inflation on investments and how starting early allows one to benefit more from compounding returns. It explains traditional investment options and their after-tax returns. The document also covers capital market basics, mutual funds, taxation, and the importance of financial planning and asset allocation. It aims to help investors understand different investment vehicles and strategies to grow their wealth over the long run in a prudent manner.
The document provides an overview of mutual funds, including what they are, how net asset value is calculated, common types of mutual funds, expenses and fees associated with mutual funds, and factors to consider when purchasing and selling mutual funds. It discusses key mutual fund concepts such as returns, risks, performance, and strategies for mutual fund investment.
This document provides information on bond ladders and total return strategies for investors. It summarizes the pros and cons of each approach. A bond ladder can match liabilities but lacks diversification and yield is slow to rise with interest rates. A total return strategy has a greater likelihood of maintaining purchasing power over time but returns will vary each year. The document also discusses when each approach may be suitable based on an investor's objectives, such as liability-driven investing, principal protection, or needing regular income. It concludes that a bond ladder is only appropriate if the investor can dynamically manage risk, implement the strategy in a diversified and liquid manner.
Wealthsimple is for people who dream of a smart and simple way to invest their savings. We use technology to make investing smarter, easier, and more transparent. Here are our 5 rules of smart investing. For more information and tips on how to be smart about your savings, visit https://www.wealthsimple.com
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
5. Client
speaks to
‘broker’
Goes to
brokerage
Goes to
provider
sales
Product
provider
Fund
salesperson
Fund
house
Fund
manager
Execution
venue
Custodian
bank
Underlying
equities
$ $ $$$$$$ $ $
Here’swhy:
Client wants
to invest Client eventually
buys this
29. Ourotherviews:
Click to view
5waysto
INVESTlikea
millionaire
The AES International
Financial Advice vs. Investment Management.
8Habits
ofSelf-made
Millionaires
Becomea
MillionaireWith These Five Principles
The AES International
Financial Advice vs. Investment Management.
HOWTOGET
BETTER
INVESTMENT
RESULTS
Great wealth management
INVESTMENT
CODE
Where science and investment meet
CULTURE
CODE
Redesigning the future of financial services
30. MORE ABOUT US
• We are an international Wealth Management and
Employee Benefits Business. Our focus is on delivering
better financial education to global expats and...
• Values are what we value.
You can learn more about our Culture HERE
• We like to talk because of the importance of our mission in transforming
peoples lives. You can hear what we say by clicking any of these:
31. REGULATORY STUFF
• Risk warning: Investment into any investment portfolios should be regarded
as medium to long term. The value of investments and the income from them
can fall as well as rise. The value of your fund is not guaranteed and you may
get back less than the amount invested, and you could lose part or all of your
capital. Past performance is not a guide to future performance. Changes in
exchange rates could affect the value of overseas investments. The effect of
inflation could reduce the future purchasing power of your investments.
• Regulatory information: For all of our authorisations and regulatory
information, CLICK HERE
• Copyright: Please feel free to copy or share any of our ideas or work as
widely as you like. We think that the more people who engage and learn
about good investment from us or others the better.