Write ten observation of the actual world from your own experience….

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Question Answered step-by-step Write ten observation of the actual world from your own experience…. Write ten observation of the actual world from your own experience. These observations shouldn’t be connected just things from your experience;like something in your house or something or something you saw on your walk today. . The whole point is to describe what you see without likening it to anything else No metaphor or comparison Arts & Humanities Writing ENG 111 Share QuestionEmailCopy link Comments (0)

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Description 3-1 Final Project Milestone One: Client AnalysisInstructionsThis milestone will allow you to create a draft of the Client Analysis portion of the final project.To complete this assignment, review the Milestone One Guidelines and Rubric PDF document 2 attachmentsSlide 1 of 2attachment_1attachment_1attachment_2attachment_2.slider-slide > img { width: 100%; display: block; } .slider-slide > img:focus { margin: auto; } Unformatted Attachment Preview FIN 340 Final Project Scenarios and Tables You will use these scenarios and tables to complete the final project. Client 1: Ezra, age 26, is single. However, he is dating and preparing to get engaged. He will need roughly $5,000 for an engagement ring almost immediately, and expects he will need $10,000–$15,000 for the wedding in the next 12–24 months. He is currently employed and earns about $70,000 a year in salary. This salary is enough to cover all his taxes and normal living expenses of approximately $4,800. This leaves him with about $1,000 in savings each month ($350 to 401K, $650 to savings). He has been able to save roughly $15,000 to date in a 401K plan from work and about $20,000 in cash savings. His 401K plan has been invested 100% in the stock market, including some sector-specific funds. His other savings have been in interest-bearing savings and cash substitutes such as money market funds. He recently received a windfall of $60,000, and this prompted him to come to you for some advice. The following are few of Ezra’s comments to help guide your thoughts: 1. 2. 3. 4. 5. “I understand I am young, so I need to take on as much risk as I can.” “I am willing to lose 30–40% on my invested capital if the return is commensurate.” “I do like to have a decent sized cushion in the bank in case something happens at my job.” “I don’t foresee my risk tolerance changing after I get married.” “Do you have any good stock tips?” Client 2: Jacob and Rachel, 53 and 52 respectively, are married with four children. Two of the children are currently in college, and two are in high school. They expect the other two children to attend college. The couple has done relatively well for themselves and earn roughly $275,000 before tax between the two of them, which equates to $190,000 after taxes. They live well below their means, and this should allow them to cover all of their children’s college expenses out of pocket, but it will not leave much for them to save over the next six to eight years. Through savings and portfolio growth, they have managed to accumulate $900,000. To this point, they have been moderately aggressive (70–75% equities) with their portfolio, but they feel that they need to begin preparing the portfolio for partial retirement in eight years, and full retirement in 13 years. 1. 2. 3. 4. 5. “I know we still need to be somewhat aggressive—we could live until we’re 90—so we need to plan for some growth even in retirement.” “We definitely can’t afford to take a big hit in our portfolio. We don’t have enough time to recover.” “Our jobs allow us to work part-time in retirement, and we will probably do so as long as we are able.” “What do bond yields look like today?” “I think we’ll need to draw on 3–5% of our portfolio in retirement. We’d like to earn enough income from the portfolio to cover that.” CAPM Inputs: Market Return Risk-free Rate 9% 0.75% Stock Analysis Table: Symbol Estimated Beta Dividends Earnings Sales Free Cash Flow 5-Year Dividend Growth Average Industry P/E Ratio Average Industry P/S Ratio Free Cash Flow Growth IBM 0.86 Use Last Year Use Last Year Use Last Year Use Last Year 13.7 23.7 1.12 2.60% KO 0.66 Use Last Year Use Last Year Use Last Year Use Last Year 8.3 22.6 2.2 6.50% BMY 0.78 Use Last Year Use Last Year Use Last Year Use Last Year 2.9 24.4 3.37 N/A ORCL 1.1 Use Last Year Use Last Year Use Last Year Use Last Year 21.1 20.5 4.45 10% MMM 0.98 Use Last Year Use Last Year Use Last Year Use Last Year 15.1 23.8 2.59 7% BAX 0.75 Use Last Year Use Last Year Use Last Year Use Last Year -16.9 36.09 3.68 N/A BIG 1.04 None Use Last Year Use Last Year Use Last Year N/A 23 1.12 N/A NFLX 1.57 None Use Last Year Use Last Year Use Last Year N/A 52.5 6 N/A AKAM 1.34 None Use Last Year Use Last Year Use Last Year N/A 41.8 3.58 17% GE 1.12 Use Last Year Use Last Year Use Last Year Use Last Year 9.7 23.8 2.59 N/A Available Assets Table: Stocks listed in Analysis Table and these additional assets Symbol Estimated Beta Standard Deviation SPY 1 13% IWM 1.15 16.50% EFA 1.03 15% EEM 1.09 20% SHY 0 1% IEF -0.2 6% TLT -0.48 13% LQD -0.02 5.25% HYG 0.38 7.50% Ex-post Return Statistics: Symbol Holding Period Return Standar d Deviatio n Benchmarks Holding Standard Period Deviation Return IBM 8% 20.00% Growth 9.6% 13.1% KO 6% 13.00% Capital Appreciation 8.1% 8.6% BMY 13% 28.00% Income 7.7% 7.2% ORCL 2% 16.00% Capital Preservation 5.8% 5.2% MMM 6% 14.00% BAX -6% 16.00% BIG 13% 32.00% NFLX 18% 45.00% AKAM 21% 37.00% GE 10% 16.00% SPY 9% 11.00% IWM 14% 18.00% EFA 9% 15.00% EEM -1% 19.00% SHY 1% 1.00% IEF 4% 6.00% TLT 4% 13.50% LQD 7% 6.00% HYG 8% 8.00% FIN 340 Milestone One Guidelines and Rubric Overview: As an investor for yourself or your clients, you have the job of developing investment objectives and a plan to achieve those objectives and then make subsequent investments in appropriate assets accordingly. This process can be collectively termed “the investment process.” It is helpful to break the process down into the four core concepts that underpin any sound investment process. First, you must understand what you are investing in. You have to know the underlying characteristics of the investment. What type of asset is it? What type of security? How is it priced? What are the expected cash flows? Who are the typical investors and what are their typical motives? If you do not understand the answers to those questions, then the initial expectations you develop about the value and risk of the asset will be fundamentally flawed. This sets you up for missteps that can lead to underperforming your investment objectives. Second, you must be able to estimate the value of the asset. Valuation is about assessing the estimated cash flows of the asset. This is a key component of discerning absolute return potential and the differences between competing assets. It has a significant influence on the third step in the process as well. The third step is developing a thesis about an asset's expected return and the associated risk. This is accomplished by assessing your valuation estimates against the current market price and any developing economic or market dynamics that may impact your expected valuation or its pricing. The market is constantly changing, and these expectations need to be monitored on a regular basis to ensure they continue to correspond to the objectives you are trying to achieve. Finally, you must understand how the assets in a portfolio interact with one another. It is likely that you will not have just one investment, so any additional assets will impact the overall performance of the portfolio. You want to formulate a plan to add assets that, when combined together, will have the potential to meet your objectives. Putting all of these steps together into a consistent, thorough process will position you to better meet the investment objectives laid out at the beginning. Prompt: This milestone involves creating a draft of the client analysis section of the final project. Use the Final Project Scenarios document, which has the client scenarios and tables needed to complete the final project. Specifically, the following critical elements must be addressed in this milestone: I. Client Analysis: In this section, you will analyze your clients’ financial documentation and determine their risk tolerance and objectives. To effectively address the critical elements in this section, you must analyze the information for both client one and client two. A. Analyze each client’s financial documentation in order to perform the following evaluative activities. Be sure to support your analysis with relevant client information. 1. Explain the clients’ risk tolerances. 2. Explain the clients’ return objectives. 3. Explain the clients’ liquidity objectives. B. Using the three objectives above, write a brief investment statement classifying the clients into one of the following categories: growth, income, or capital preservation. Justify your response with specific client information. Rubric Guidelines for Submission: Your client analysis should a 2- to 4-page Microsoft Word document, double spaced, with 12-pt. Times New Roman font, one-inch margins, and citations cited in APA format. Critical Elements Client Analysis: Client Information: Risk Tolerances Client Analysis: Client Information: Return Objectives Client Analysis: Client Information: Liquidity Objectives Client Analysis: Brief Investment Statement Proficient (100%) Explains the clients’ risk tolerances, supporting the explanation with relevant client information Needs Improvement (75%) Explains the clients’ risk tolerances, supporting with client information, but explanation is missing components, or supporting information is missing or contains inaccuracies Explains the clients’ return objectives, Explains the clients’ return objectives, supporting the explanation with supporting with client information, but relevant client information explanation is missing components, or supporting information is missing or contains inaccuracies Explains the clients’ liquidity Explains the clients’ liquidity objectives, objectives, supporting the supporting with client information, but explanation with relevant client explanation is missing components, or information supporting information is missing or contains inaccuracies Writes a brief investment statement Writes a brief investment statement based based on client analysis and classifies on client analysis and classifies clients into a clients into a category, justifying category, justifying response with specific response with specific client client information, but response is missing information components, or supporting information is missing or contains inaccuracies Not Evident (0%) Does not explain the clients’ risk tolerances Value 35 Does not explain the clients’ return objectives 20 Does not explain the clients’ liquidity objectives 20 Does not write a brief investment statement 20 Articulation of Response Submission has no major errors related to citations, grammar, spelling, syntax, or organization Submission has major errors related to citations, grammar, spelling, syntax, or organization that negatively impact readability and articulation of main ideas Submission has critical errors related to citations, grammar, spelling, syntax, or organization that prevent understanding of ideas Total 5 100% Purchase answer to see full attachment Tags: Invested capital high risk tolerance Return objectives Investment statement Growth category User generated content is uploaded by users for the purposes of learning and should be used following Studypool's honor code & terms of service.
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