ETFmatic Nextbank Madrid (June 2014)

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We help replicate market returns instead of charging huge fees What are your options if you want to get reasonable returns on your long term savings? A checking or savings account that can't keep up with inflation? Online stock brokers with a dazzling number of instruments that require both time and expertise to tackle? Or whatever mutual funds your bank decides to push, even though management fees and kick-backs will eat up most of the returns? As many studies show, typical mutual fund underperforms its relevant benchmark index by approximately the amount of its fees levied and expenses incurred. And although the annual difference between the market return (for example, S&P 500) and that of the typical mutual fund may appear minor, the difference compounds over time and results in significant gaps between market returns and actual accumulation in retirement accounts: Source: The Tyranny of Compounding Fees: Are Mutual Funds Bleeding Retirement Accounts Dry? ETFmatic offers a disciplined approach to savings, where you can set specific goals and contribute to them on a regular basis. These goals are built on top of low cost index portfolios to make it easier for you to achieve them, and our service maintains the right diversification by continuously rebalancing your portfolio through your contributions, minimising tax consequences and maintaining your prefered risk exposure. And because our commissions are really low, your returns compound faster over the years. We enable busy people to easily configure their investment cruise-control With the ETFmatic app for Android and iPad/iPhone our customers can efficiently: Set goals for their savings and contribute regularly, preferably in an automated way, to make it a no-effort habit Diversify their investments into low cost index funds or ETFs with low maintenance fees Ensure that the closer they are to using their savings, the less volatility they will have in their portfolio Easily manage their accounts from at any point and from any location And most importantly, rest assured that their assets are kept safe under the custody of one of the most trusted banks in the world Nobel Laureates such as Markowitz and investors like Buffet, back our approach We have developed a propietary algorithm that enables our customers to simply: Define the asset classes and investment instruments that provide best balance between low cost, high market coverage and low tracking error Create template portfolios matched to various combinations of risk tolerance and duration of investment objectives through Modern Portfolio Theory and Asset-Liability Management techniques Manage the order of your investment portfolio securing them in your Custodian Bank Understand your risk preferences and investment objectives to tailor one of the time diversified template portfolios to your specific need Help you monitor and rebalance your portfolio to stay on track

Business Economy & Finance

If you like spending 6-8 hours per
week working on investments, do it.
If you don't, then dollar-cost
average into index funds. This
accomplishes diversification across
assets
and time.
– Warren Buffett
Passive Investment Strategies

http://www.fpanet.org/journal/currentissue/tableofcontents/thetyrannyofcompoundingfees/
Costs of Active Investment

http://etfdb.com/2014/why-etfs-are-better-than-mutual-funds-in-two-charts/
Costs of Mutual Funds

https://www.spdrs.com/library-content/public/ETF-DIA_20140331_103543.pdf
A Dow Jones Ind. Avg. ETF

Management Team
@luisriverag
CEO
@johan_hellman
COO
@t_carnell
CTO

Advisory Board
Bernard Dumas
Finance Professor
at INSEAD
Juan A. Villalobos
Flashiz, Business Dev.
Former CMO at ING Spain
David M. Lecea
Bain & Co, Financial Services
Principal
Francisco Botella
CFO at Fox Spain
Cristobal Alonso
Telenor Denmark COO

A mutual fund is a trust that encompasses the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciation realized is shared by its unit holders in proportion to the number of units owned by them. Thus, Mutual Fund is one of the most effective instruments for the small & medium investors for investment and offers opportunity to them to participate in capital market with low level of risk. It also provides the facility of diversification i.e. investors can invest across different types of schemes. Indian Mutual Fund has achieved a lot of popularity since last two decades. For a long time UTI enjoyed the monopoly in mutual fund industry. But with the passage of time many new players came in the market and thus the mutual fund industry faces a lot of competition. Now a day this industry has become the major player of the financial system. Therefore it becomes important to investigate the mutual fund performance at continuous basis. The wide variety of schemes floated by these mutual fund companies gave wide investment choice for the investors. Among wide variety of funds equity, diversified fund is considered as substitute for direct stock market investment. In present paper an attempt has been made to investigate the performance of the open ended, growth oriented, equity diversified schemes on the basis of return and risk evaluation. The analysis was achieved by assessing various financial tests like Average Return, Standard Deviation, Beta, Coefficient of Determination (R2), Alpha, Sharpe Ratio and Treynor Ratio whose results will be useful for investors for taking better investment decisions. The data has been taken from various websites of mutual fund schemes and from amfiindia.com. The analysis depicts that majority of funds selected for study have outperformed under Sharpe Ratio as well as Treynor Ratio.

The Mutual Fund Concept1. LG 12. LG 2Questions of which stoc.docx

dennisa15

The Mutual Fund Concept 1. LG 1 2. LG 2 Questions of which stock or bond to select, how best to build a diversified portfolio, and how to manage the costs of building a portfolio have challenged investors for as long as there have been organized securities markets. These concerns lie at the very heart of the mutual fund concept and in large part explain the growth that mutual funds have experienced. Many investors lack the know-how, time, or commitment to manage their own portfolios. Furthermore, many investors do not have sufficient funds to create a well-diversified portfolio, so instead they turn to professional money managers and allow them to decide which securities to buy and sell. More often than not, when investors look for professional help, they look to mutual funds. Basically, a mutual fund (also called an investment company) is a type of financial services organization that receives money from a group of investors and then uses those funds to purchase a portfolio of securities. When investors send money to a mutual fund, they receive shares in the fund and become part owners of a portfolio of securities. That is, the investment company builds and manages a portfolio of securities and sells ownership interests—shares—in that portfolio through a vehicle known as a mutual fund. An Advisor’s Perspective Catherine Censullo Founder, CMC Wealth Management “Mutual funds are pools of assets.” MyFinanceLab Portfolio management deals with both asset allocation and security selection decisions. By investing in mutual funds, investors delegate some, if not all, of the security selection decisions to professional money managers. As a result, investors can concentrate on key asset allocation decisions—which, of course, play a vital role in determining long-term portfolio returns. Indeed, it’s for this reason that many investors consider mutual funds the ultimate asset allocation vehicle. All that investors have to do is decide in which fund they want to invest—and then let the professional money managers at the mutual funds do the rest. An Overview of Mutual Funds Mutual funds have been a part of the investment landscape in the United States for 91 years. The first one started in Boston in 1924 and is still in business. By 1940 the number of mutual funds had grown to 68, and by 2015 there were more than 9,300 of them. To put that number in perspective, there are more mutual funds in existence today than there are stocks listed on all the major U.S. stock exchanges combined. As the number of fund offerings has increased, so have the assets managed by these funds, rising from about $135 billion in 1980 to $15.8 trillion by the end of 2014. Compared to less than 6% in 1980, 43% of U.S. households (90 million people) owned mutual funds in 2014. The mutual fund industry has grown so much, in fact, that it is now the largest financial intermediary in this country—even ahead of banks. Mutual funds are big business in the United States and, indeed, all.

Investment_Performance_BenchmarksBrandon Parrish, CFA, CAIA

Researching Industry Financial Statistics Grading GuideFIN57.docx

ronak56

Researching Industry Financial Statistics Grading Guide FIN571 Version 9 4 Researching Industry Financial Statistics Grading Guide FIN/571 Version 9 Foundations of Corporate Finance Copyright Copyright © 2017, 2016, 2013 by University of Phoenix. All rights reserved. University of Phoenix® is a registered trademark of Apollo Group, Inc. in the United States and/or other countries. Microsoft®, Windows®, and Windows NT® are registered trademarks of Microsoft Corporation in the United States and/or other countries. All other company and product names are trademarks or registered trademarks of their respective companies. Use of these marks is not intended to imply endorsement, sponsorship, or affiliation. Edited in accordance with University of Phoenix® editorial standards and practices. Learning Team Assignment: Researching Industry Financial Statistics Purpose of Assignment The purpose of this assignment is to allow the students an opportunity to complete their financial evaluation of a company using the financial research database Plunkett Research Online. Plunkett Research Online provides in-depth analysis of a company’s financials, comparisons to industry averages, a list of top executives, how the company compares to other competitors in terms of revenue, number of employees, market capitalization and other key financial metrics.Resources Required · Plunket Research Online · Microsoft® Excel®Grading Guide Content Met Partially Met Not Met Comments: Accessed the UOPX Library by clicking on the University Library Link. Clicked “Company Directories and Financials” under Library Resources. Clicked “Plunkett Research Online” under Company Directory and Financials Reviewed “HOW TO USE” videos: · Plunkett Research Online Overview · How to Export Company and Exec. Lists · How to Build-a-Report · How to Use Industry Analytics · How to Research an Industry · How to Use Company Profiles Clicked “Research A Company” Selected a company (i.e. Walmart) and input into the Search Box. Scrolled through the search results to choose the correct company. Clicked the link to the company profile (in blue). Reviewed the Company Profile and answer the following questions in Microsoft® Word: · What is the Ticker Symbol for the Company? · When was the company established? · How many employees does it have? · What is the NAICS Code? · Who is the CEO? · Where does the company rank in terms of Total Revenue when compared to its competitors? · Where does the company rank in terms of Net Income when compared to its competitors? · Where does the company rank in terms of Return on Assets when compared to its competitors? · What is the Revenue in 2014 and 2015? · What was the Gross Margin in 2014 and 2015? · What was the Earnings per Share in 2014 and 2015? Saved the Company Profile as a PDF document. Compared the 2015 Company Financials to the Industry Averages ...

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Palm leaf intro

Gopinath Radhakrishnan

Key questions for the long term investor

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ProjectCompany NameCommunication PlanOverviewThe pu.docx

woodruffeloisa

Project/Company Name Communication Plan Overview The purpose of a Communications Plan is to document the key elements of a communications strategy, including · frequency (schedule); · method of delivery; · recipients; · format; and · owner. Effective communication can be · formal or informal; · verbal or written; and · periodic or as needed. Elements to Include in the Communication Plan The format of a Communication plan can vary, but they should include the following types of information. VERBAL COMMUNICATION WHAT WHEN WHERE OWNER ATTENDEES Type of Meeting Frequency Day Time Meeting Location Meeting Owner Project Team Members (it is good to identify them by role or title if possible) WRITTEN COMMUNICATION WHAT WHEN METHOD OF DELIVERY SENDER RECEIVER Type of Communication FrequencyDay (if applicable) Electronic? Paper? Person or Group responsible for sending Person or Group who receives the information Example Of A Communication Plan: This document outlines the plan of communication for the XYZ Project Team. WHAT WHEN WHERE OWNER ATTENDEES Status Meeting Every 2 weeks Monday 10-noon 28G1 Project Manager Project Team Called Meetings As Needed TBD Person who calls and leads meeting To Be DeterminedWRITTEN COMMUNICATION WHAT DUE WHEN METHOD OF DELIVERY SENDER RECEIVER Meeting Minutes Two days after the meeting E-mail Note Taker All participants Action Item Log Four days after the PMO Status meeting E-mail Note Taker All participants Meeting Agenda Two days before a meeting E-mail Meeting Facilitator All meeting participants Status Reports to Project Manager Weekly Tuesday By noon Paper Copy Team Members Project Manager Status Reports to Strategic Alignment Team Project Schedule Updates Every 2 weeks Tuesday By COBUpdate Project Schedule then E-mail Team Members Implementation Schedule Owner You have done a great job on this assessment thus far! All calculations are perfect and you have provided great insight into your comparison of the key stock measures. Please see my feedback below, then resubmit the assessment once you discuss the advantages shareholders have. Please reach out to our course tutor if you need assistance and please highlight your changes. Keep up the great work in our course! Dana Competency: evaluate the global financial environment. Criterion: describe the advantages of stock ownership. Distinguished Proficient Basic Non-performance Non-performance Does not describe the advantages of stock ownership. Faculty comments:“ This section is missing. Going back to sherman (2011) chapter 9, what are some of the advantages/perks of being a shareholder? ” Criterion: calculate how much money is needed to buy a specific amount of stock. Distinguished Proficient Basic Non-performance Distinguished Calculates how much money is needed to buy a specific amount of stock and explains the calculations. Faculty comments:“ You did a great job on ...

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