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.
Watch full video on Youtube - https://youtu.be/Qmw15cG2Mv4
This video enhances your knowledge on portfolio management. It explains the meaning, types, process and objective of managing portfolio which comprises of stocks, mutual funds, commodities, metal, real estate etc. diversified sort of investments.(portfolio management)
Thank You
Watch full video on Youtube - https://youtu.be/Qmw15cG2Mv4
This video enhances your knowledge on portfolio management. It explains the meaning, types, process and objective of managing portfolio which comprises of stocks, mutual funds, commodities, metal, real estate etc. diversified sort of investments.(portfolio management)
Thank You
This presentation discusses the importance of having a diversified portfolio with a variety of different kinds of investments and tips on creating a diversified portfolio.
In this article how risk management in banks is an important concept, what type of risks banks faces and how they curb it through risk management model is described
this ppt is about the financial services .whats the financial services, types of financial services,functions of financial services,importance of financial services,features of financial services,Indian financial system as well as international financial management.
This presentation discusses the importance of having a diversified portfolio with a variety of different kinds of investments and tips on creating a diversified portfolio.
In this article how risk management in banks is an important concept, what type of risks banks faces and how they curb it through risk management model is described
this ppt is about the financial services .whats the financial services, types of financial services,functions of financial services,importance of financial services,features of financial services,Indian financial system as well as international financial management.
The Asset Allocation Decision-investment ch02.pptxFamiFamz1
Questions to be answered:
What is asset allocation?
What are the four steps in the portfolio management process?
What is the role of asset allocation in investment planning?
Why is a policy statement important to the planning process?
Income Matching Using Bonds NorCal 2011Brent Burns
Presentation slides from FPA NorCal 2011. Steve Huxley and I presented on how to create pension-like income usning individual bonds. Also contrasted against annuities, dividends and REITs.
If your company needs to submit a Financial Advisory Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2HwkAEs
Sample Healthcare Business Analysis 20XX.pptxYinka Daramola
Having good insights into your healthcare business or medical practice can help you maximize income and minimize cost. Clarity comes from analysis and gives rise to clear KPIs and strategic shifts as may be required.
Yinka Daramola- Avoiding Recalls at Toyota Motor Corporation Yinka Daramola
Toyota’s corporate image and reputation for being a quality conscious firm is being adversely affected by recent recalls.
This paper was written to suggest ways that Toyota can prevent future recalls and protect their reputation for quality.
Forecasting the Economic Impact of Foxconn-Wisconsin State DealYinka Daramola
Foxconn recently signed a memorandum committing to potentially invest up to US $10 billion in a new production facility to be domiciled in Wisconsin, USA. The rationale for this business decision is analyzed in this presentation- both from the perspective of managerial economic literature and from a practical perspective.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
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Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
2. Why do we do what we do @ ARIAN Capital?
Because we want to help investors to build their wealth over time
• We have the know-how to achieve this objective
• As this is our full-time occupation, we are at a distinct advantage
over the individual because as a team, we can pool bits of data
and convert them into meaningful information that will help us
to make investment decisions on behalf of our clients
• We are able to use our resources to offer attendant scrip and
other yield management services
3. Accumulation Phase Consolidation Phase Spending and Gifting
Phase
25 55 65 85
75
35 45
The rise and fall of Personal Networth over a Lifetime
Net Worth
Age
4. Asset Allocation: The process of deciding how to distribute an
investor’s wealth among different countries and asset classes for
investment purposes
Asset Class: An asset class is comprised of securities that have
similar characteristics, attributes and risk/return relationships. An
example of a broad asset class is “bonds”, which can be divided
into smaller classes like Treasury Bills, corporate bonds and high
yield bonds.
GENERALLY, HIGHER COMPOUNDED RETURNS TEND TO
ACCRUE TO INVESTORS WITH THE LARGER EXPOSURES
TO RISKY ASSETS
Fundamentals/Preliminaries
5. Equities- 40%
Fixed Income- 32%
Specialist
Investments- 8%
Cash- 2%
Real Estate-18%
Investible Funds
Asset Allocation: An Example
6. Investible Assets: Refers to liquid assets such as
cash, jewelry etc.
Net Worth: Refers to the balance between your
Assets and your Liabilities
Pure Income: Refers to your gross income
Income Type Grouping
The RELEVANT income IS NET WORTH- It forms
a more REALISTIC AND PREDICTABLE basis for
measuring investible funds
7. No serious investment plan should be started until a
potential investor has adequate income to cover living
expenses and a safety net, should the unexpected occur
How individuals structure their financial plan should be
related to their:
1. Age
2. financial status
3. future plans
4. risk aversion characteristics, and
5. needs
Financial Planning Principles
8. • Liquidity Constraints
• Time Horizon
• Tax Concerns
• Legal and Regulatory
• Unique Circumstances
Investment Constraints
9. POLICY STATEMENT
Focus: The Investor’s short-term and long- term
needs, familiarity with capital market history, and
expectations
MACROECONOMIC EVALUATION
Focus: Examine current and projected
financial, economic, political and social factors.
These will help inform us about short and long-
term possibilities to use in constructing a
specific portfolio
IMPLEMENTATION
Focus: Construct a portfolio that meets the
investor’s needs at minimum risk levels
FEEDBACK LOOP
Focus: Monitoring and updating the investor’s
needs, environmental conditions, and
evaluating portfolio performance
The Portfolio Management Process
10. • The Policy Statement is a road map. In it, investors specify the types
of risk they are willing to take and their investment goals and
constraints.
• All Investment decisions are based on the policy statement to
ensure that they are appropriate for the investor. Hence, a carefully
constructed policy statement determines exactly what kind of assets
to be included in a given investor’s portfolio
• Because of lifecycle needs, the policy statement is typically
reviewed and updated periodically
The Policy Statement
11. Return
•Comes in the form of cashflows attached to the
purchase of a security. Examples include dividends,
coupons/interest income
•Different securities for different reasons may also
provide opportunity to the investor to benefit from
capital appreciation
Our business is to continually seek out opportunities
to maximize return for our clients. Usually, the better
our performance the higher the reward. To achieve
this, certain principles are important to grasp
12. Compounded Annual
Returns: 1981-2004
Before Taxes and
Inflation
After
taxes
After taxes and
Inflation
After
inflation
(only)
Common Stocks 12.36% 9.83% 6.52% 8.98%
Long Term Govt Bonds 11.23% 8.38% 5.12% 7.88%
Treasury Bills 6.20% 4.48% 1.33% 3.46%
Municipal Bonds (etc) 6.00% 6.00% 2.81% 2.81%
Source: CFA Institiute
Real Investment Returns After Taxes and Costs
Assumptions: 28% tax rate on income, 20% on capital appreciation. Compound rate was 3.1% for full period
14. Capital Preservation - The need to MAINTAIN CAPITAL. The return
should, at a minimum, be equal to the inflation rate. With this
objective, an investor simply wants to preserve his existing capital.
Capital Appreciation - The need to GROW CAPITAL. To accomplish
this, the return objective should be equal to a return that exceeds
the expected inflation. With this objective, an investor's intention
is to grow his existing capital base.
Current Income -The need to CREATE INCOME FROM THE
INVESTOR'S CAPITAL BASE. With this objective, an investor
needs to generate income from his investments.
Total Return - The need to GROW THE CAPITAL BASE through
both capital appreciation and reinvestment of that appreciation.
Return Requirements
16. An investor’s risk tolerance can be affected by many factors:
Age– an investor may have lower risk tolerance as they get
older and financial constraints are more prevalent.
Family situation – an investor may have higher income needs
if they are supporting a child in college or an elderly relative.
Wealth and income – an investor may have a greater ability to
invest in a portfolio if he or she has existing wealth or high
income.
Psychological – an investor may simply have a lower
tolerance for risk based on his personality
Factors Affecting Risk Tolerance
17. Risk and Return- Markowitz Portfolio Theory
Harry Markowitz (1952,1959) propounded that a single asset or
portfolio of assets is considered to be efficient if no other asset or
portfolio of assets offers higher expected return with the same (or
lower) risk or lower risk with the same (or higher expected
return)
He used variance, or standard deviation of expected returns
returns to measure risk
Variance is a statistical measure of the dispersion of returns
around the expected value whereby a larger variance indicates
greater dispersion. The more the dispersion, the greater the
uncertainty of returns
18. Probability
Possible rate
of return (%)
Expected
return
0.35 0.08 0.0280
0.30 0.1 0.0300
0.20 0.12 0.0240
0.15 0.14 0.0210
E' (R) 0.1030
Computing Expected Return for An Individual Asset
19. Weight (W!)
(% of Portfolio)
Expected
Security
Return (R!)
Expected
Portfolio
Return
(W! X R!)
0.20 0.10 0.0200
0.30 0.11 0.0330
0.30 0.12 0.0360
0.20 0.13 0.0260
E' (Rport) 0.1150
Computing Expected Return for a Portfolio of Risky Assets