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I need this in 10 hours. kindly read it first before asking.
I have a case study that is in need of completing. I will be working on this but I am hoping someone here can also complete it at the same time so I can multiple responses to the questions. This is for a financial portfolio assignment. I need it completed by 1pm Eastern Standard time today if possible. Please only serious inquiries only and financial experts only. All assignment paperwork is attached. Some of the tables are snapshots so you won’t be able to type them in but if you can either write the answers in and scan or write them in a way that I can copy them into my table that would be great.Thanks
FinancialPortfolio Management
The assignment is laid out as follows:
1. Fact Pattern – this provides the details you will use to execute the case study.
2. Investment Policy Statement – you will need to complete this based on the details in the case.
3. Balance Sheet – you will need to prepare a simple balance sheet which will help you solve the calculation portion of the case.
4. Cash Flow Timeline – you will need to complete this exercise in order to calculate the correct required rate of return for the client.
5. Required Rate of Return Calculation – this simple exercise will enable you to assess whether the proposed portfolio will meet the client’s needs.
6. Asset Allocation Analysis – this section will focus on whether or not the proposed asset allocation is still at the proposed target weights after one year of market activity.
7. Performance Attribution Analysis – this sections requires you to look at the performance of the proposed portfolio and identify what asset classes performed relative to established benchmarks.
FACT PATTERN
Elizabeth Yeo, age 55, will retire one year from now as managing director of Sawit Palm Oil Industries, a Malaysia-based palm oil plantation company. At retirement, Yeo will receive a MYR 450,000 taxable lump sum cash payment from Sawit and a MYR 500,000 tax-exempt lump sum cash payment from the Employees Provident Fund, the country’s retirement savings plan. Upon retirement, Yeo will also receive MYR 8,500,000 as proceeds from the dale of her stock in Sawit. Her original investment in the Sawit stock was MYR 1,500,000.
Yeo is widowed and has son, Jonathan Lok, who will be attending a foreign university. She intends to pay all expenses associated with his four-year undergraduate education. She estimates the first year’s expenses with be MYR 150,000 payable one-year from now, and that these expenses will increase approximately 6% annually as a result of inflation in educational costs.
Yeo maintains a money market fund currently valued at MYR 1,200,000 and earning 2.5% annually. To honor her late husband, she plans to make a non-tax deductible fixed donation of MYR 100,000 annually, beginning one year from now, to a Malaysian charity. Yeo’s current after-tax salary is equal to her living expenses of MYR 250,000 annually. Both she and Lok currently reside in the family home, which has a current value of MYR 1,400,000. She intends to give the house to Lok as part of her estate upon her death. she has expressed a desire to maintain the real value of her investable assets.
Yeo is taxed at 28% on salary, benefits, and investment income. Capital gains are not taxable under Malaysian tax law. Her living expenses are expected to grow at an annual inflation rate of 3% throughout her retirement period, which is expected to be 25 years given her family’s mortally history. Yeo is working with Ismail Hamid, her financial advisor, to prepare an investment policy statement for her retirement period.
In an interview with Hamid, Yeo admits to having little knowledge about investing, as evidenced by her preference to maintain all excess cash reserves in the money market fund. she tells Hamid that she also view the money market funds as a way to safeguard the wealth she has “worked so hard for.” She add that regardless of her wealth situation, she is habitually conservative in all decisions except where she believes she has control. Citing a case in point, Yeo tells Hamid about her aggressive leveraging of Sawit to expand capacity in order to guarantee a customer’s purchase order. In contrast, she describes two different occasions where she did not take advantage of potentially attractive personal investment opportunities because she could not be certain o the outcome.
INVESTMENT POLICY STATEMENT
A. Formulate each of the following constraints and justify each of your responses with one reason based on Yeo’s specific circumstances and/or her interview with Hamid.
1. Time Horizon
Justification
2. Tax Concerns
Justification
B. Risk Assessment – Characterize Yeo as below average, average, or above average with respect to each of the components of the risk objective in her investment policy statement.
1. Ability to Take Risk:
2. Willingness to take risk:
3. Overall risk tolerance:
C. Formulate the return objective in Yeo’s investment policy statement. (This is in essence a statement of her major goals when she retires.)
D. Summarize Yeo’s liquidity needs and identify the purpose and the time period she needs to liquid assets.
E. Summarize the tax policies that Yeo is subject to in Malaysia.
F. Calculate the after-tax nominal rate of return that is required to achieve this objective for her first year of retirement. (Utilize the templates below to capture the necessary data.)
G. Portfolio Review – Given the size of the Malaysian capital markets, Hamid suggests that Yeo consider implementing a United States focused investment strategy and presents a 60/40 equity/fixed income strategy. He shows her the results for the past one year for another client (names removed). Hamid discusses this portfolio with Yeo to review asset classes, the importance of diversification, and to demonstrate the type of periodic review he would conduct with her on an ongoing basis as part of their relationship. Evaluate the following elements of the enclosed portfolios (Appendices 1 and2).
1. In looking at those securities which are indicated as benchmarks for several asset classes identify by asset category (Large Cap Domestic Equities) which of them outperfomed their benchmark during the past 1 year period of time?
2. What is the current weight of equities versus the target weight for all equity strategies?
a. Which equity category (large cap, etc.) had the largest percentage change over the one-year period of time?
b. Which equity category had a lower weight at year-end than it did at the beginning of the year.
3. In looking at the fixed income categories which category outperformed their benchmark during the past 1 year period of time?
a. Which fixed-income category (taxable, tax-exempt, etc.) had the largest percentage change over the one-year period of time?
b. Which fixed income category had a lower weight at year-end than it did at the beginning of the year?
4. In looking at the alternative investment categories of Identify:
a. The best performing strategy during the period.
b. The worst performing strategy during the period.
c. Did any of the four categories have a higher current allocation at the end of the year than they did at the beginning of the year?
5. Hamid has a usual approach of re-balancing all asset classes at year end. Using appendix 1 Identify in the grid below changes you would make to rebalance.
