Investing strategies by age Essay -- essays research papers

Investing Strategies Pre-Career (16-25) – During this investment period in my life my goal is to have safety of principal while still receiving income. This is a very low risk portfolio strategy. Income will most likely be low because I will hopefully be enrolled in a post secondary education and graduate school. During this time I will be taking very minimal risks by investing in securities such as; T-bills, Canada, government and corporate bonds, stalwarts (blue chips), preferred shares, and possibly two or three small cap stocks in order to diversify my portfolio as well as incorporate some risk into it as well. Blue-chip stocks are very reliable and low risk because they are large companies with millions of assets and a great investment for this stage of my life. Early Years (25-35) – This time in my life will hopefully be one where I am able to spend a proportion of my income on investing in order to grow my portfolio. Hopefully at this point of my life I will have a high paying job after graduate school and will have income to spend. Although cash would be tight when attempting to raise and support a family, the portfolio must be balanced as well. Therefore, having money equally spread out between bonds, blue-chip stocks, and small caps would be the best scenario to grow my portfolio as well as keeping the risk at moderate degree. I would focus on all five types of stocks that I have previously researched; yet I will still have less money in speculative and potential turnaround because the risk is quite high. Establishment Year (35-55) – This is a very important investing stage in my life because I will have the money to be able to invest freely as well as be quite aggressive in the way I invest. The securities that I will most likely invest in are moderate to high-risk securities that can profit in high return. Investing in a few specified bonds for my possible child’s education and for safety of principle. As well as some blue-chip stocks, and mainly higher risk stocks such as cyclical, speculative and potential turnaround. These stocks are the best for growing my portfolio, although they do pose a high risk, at this point in my life I will be able to afford the loss. The key to this time in my life is to use risk to my advantage and be able to receive capital gain and dividends. Pre-Retirement Years (55-65) – This time period in my life will be mu... ...s on the economy. When the economy is doing well, the risk is low and visa-versa. AlarmForce – The AlarmForce Company is a growth stock because of the constant growth that it has had over past years. The best stage to invest in this stock would be when you have a relatively moderate-low risk investment portfolio. This is because the growth stock usually rises at a slower pace but continues to rise, therefore the best period to invest in this stock would be during the early years and the pre-retirement years because there is growth needed, but the risk level is moderate-low. Dimethaid Corporation – The speculative stock that I researched was Dimethaid, which is a drug creator and fabricator. This is one of the riskiest stocks that I researched because of their unstable history and their fluctuating stock prices. The time that I would choose to purchase this investment would definitely only be during the establishment years. This is because it is the only time when I will have freedom to invest in companies and I will have a much higher risk tolerance. Because the stock is high risk, this is the only reasonable investing period where I can afford the loss of the original investment

Experience in a New Country Essay

New Country I can still remember that feeling I had experienced when my mother had told me We’re moving to America. I felt as if time had stopped and I didn’t know what to Think. I couldn’t decide whether this life-changing sentence was something I should look forward to or something that will cause me to face more problems than rewards. However, to tell you the truth, I was more excited rather than being in a panic. Nevertheless, I could not bear the fact that I will no longer be able to stroll along the beach minutes away from my house or watch my favorite cricket players dominate the teams of other countries. After spending nine years in Pakistan, I moved to an environment that was totally different from the one I came from. I knew that this would be my biggest hurdle I would have to overcome. As a new 4th grader in a place where Pakistanis were rare, I felt as if I was invisible in the classroom. Being a novice in English, I was looked down by other students and was not well received. I sat quietly in class and tried not to look at anyone; yet, the others talked to each other while watching me and started to laugh. I can still hear that evil laugh. I could still remember the times when the teacher used ask, â€Å"Who doesn’t have a partner? † and I would be the only one to raise my hand. I was often upset, feeling that there would be no light at the end of the tunnel. However, I continued walking through the tunnel, knowing that light will finally be visible. As the second semester approached, my communication skills slowly started to improve. As a result of this progress, I started to enjoy the ability to converse with my classmates. Soon, I made more friends and noticed that I actually enjoyed going to school. Cricket was no more my favorite sport; now, I enjoyed playing the â€Å"American† football and basketball. To this day, I continue playing these sports and supporting the Ravens and Lakers. The doors finally opened for me, but it took effort. Life was complicated during the Transition stage when I was learning to accustom myself to a new language, culture, And customs. There were times in which I did not want to go to school, times I did Not want to face humiliation, and times I wanted to return to Pakistan. However, as Time passed, I soon discovered that America is exactly the kind of place I would have Want to move to. In America, I decide how my future will turn out to be. It is up to me to use my Independence with responsibility. My journey across the dark tunnel has taught me a Priceless lesson: â€Å"Confidence is the result of hours and days and weeks and years of Consistent work and dedication. † I have used this lesson in my adapting to a new Environment as different as the USA and I expect to use this lesson as my light to Direct me when I stumble upon new tunnels in the future.

Swot Analysis A Swot - 3101 Words

a) Carry out a SWOT analysis to reflect your own current skills and competencies A SWOT analysis is â€Å"a structured planning method used to evaluate the strengths, weaknesses, opportunities and threats involved in a project or in a business venture.†(en.wikipedia.org/wiki/SWOT analysis, 03/11/14). A swot analysis can also be used to examine a person’s attributes. The strengths and weaknesses usually are internal factors whereas threats and opportunities are mainly external. Advantage Disadvantage Internal Strengths 1. Self-motivated 2. I am organised; accurate and pay attention to detail 3. Multilingual and passionate to learn more languages and different cultures. 4. Good with computers; keyboard skills and knowledge of Microsoft applications. 5. I like cleaning 6. Time management skills; I’m good at managing my busy schedule. 7. Friendly personality and get on well with others. 8. Good listening skills. 9. I like to work under pressure Weaknesses 1. Intensely self-critical; overblown sense of responsibility. 2. Control freak. 3. Speech impediment. 4. No qualification to prove my knowledge of computers. 5. Use of too much bleach is not healthy. 6. I spend a lot of time doing unnecessary things. 7. If I don’t know someone personally I can get shy and nervous. 8. Poor writing skills 9. Sometimes I take on more work than I can chew and give up. External Opportunities 1. Accept and appreciate help from others 2. Accept that I cannot control everything in my life,Show MoreRelatedSwot Analysis Of Swot And Swot Analysis738 Words   |  3 Pagesknown as SWOT analysis. The SWOT analysis is business analysis method that business can use for each of its department when deciding on the most perfect way to increase their business and future growth. This procedure identifies the internal and external strengths, weaknesses, opportunities and threats that are in the markets. SWOT analysis helps you decide your position against your competitors, identifies best future opportunities, and highlight current and future threats. SWOT analysis is an acronymRead MoreSwot Analysis Of Swot Analysis : Swot1223 Words   |  5 PagesOnStar – SWOT Analysis To help OnStar determine if home monitoring services should be added to its list of products and services, a SWOT analysis should be completed. A SWOT analysis is a situation analysis or tool used to identify the strengths, weaknesses, opportunities and threats of an organization (SWOT Analysis Definition | Investopedia, 2005). Thus, it is a basic straightforward model that determines what an organization, like OnStar, can and cannot do, as well as determines its opportunitiesRead MoreSwot Analysis : Swot And Swot2320 Words   |  10 PagesSWOT analysis focuses on the internal factors which are the company’s strengths and weaknesses as well as the external factors which are the opportunities and threats which are gained from situational analysis, which focuses on summarizing all the pertinent information acquired about the key three environments of internal, customer, and external (Ferrell Hartline, 2014, p. 39). A SWOT analysis further gives a company precise advantages and disadvantages in satisfying the needs of its selectedRead MoreSwot Analysis Of Swot Analysis : Swot911 Words   |  4 Pages SWOT Analysis In the article â€Å"SWOT analysis† Harmon (2015) offered a definition for SWOT analysis, the purpose of the SWOT analysis, the advantages of performing a SWOT analysis, and outlined and discussed the four components of the SWOT analysis. SWOT analysis is a planning and brainstorming tool that helps people evaluate an idea or project for a business or formulate a business plan (Harmon, 2015). It should be noted that SWOT analysis is an acronym for Strengths, Weaknesses, OpportunitiesRead MoreSwot Analysis : Swot And Swot1081 Words   |  5 PagesSWOT Analysis: A SWOT analysis (SWOT matrix) first used by Stanford Research Institute during 1960-1970 and it was presented by Mr. Albert S. Humphrey a American business and management consultant by using data from fortune 500 companies. We can succeed in our life if we use our talents to our full extent. Similarly, we‘ll have some problems if we know our weakness are, and if we manage these weaknesses so that we don’t matter in the work we do. To understand more about our self and our externalRead MoreSwot Analysis : A Swot1371 Words   |  6 Pages SWOT analysis is valuable in understanding and revising the position of the company before decisions are made about company direction or the application of a new business idea. PEST is a tool to assess external factors. It is useful to complete a PEST analysis before a SWOT, although it may be more useful to complete a PEST analysis during, or after, a SWOT. SWOT and PEST are vital in determining the success of a business. SWOT analysis is a form of situational analysis in which internal strengthsRead MoreSwot Analysis : Swot And Swot1957 Words   |  8 PagesSWOT analysis focuses on the internal factors which are the company’s strengths and weaknesses as well as the external factors which are the opportunities and threats which are gained from situational analysis which focuses on summarizing all the pertinent information acquired about the key three environments of internal, customer, and external (Ferrell Hartline, 2014, p. 39). A SWOT analysis further gives a company precise advantages and disadvantages in satisfying the needs of its selected marketsRead MoreSwot Analysis : A Swot1708 Words   |  7 Pages A SWOT analysis is â€Å"a structured planning method used to evaluate the strengths, weaknesses, opportunities and threats involved in a project or in a business venture.†(en.wikipedia.org/wiki/SWOT analysis, 03/11/14). A swot analysis can also be used to examine a person’s attributes. The strengths and weaknesses usually are internal factors whereas threats and opportunities are mainly external. Advantage Disadvantage Internal Strengths 1. Self-motivated 2. I am organised; accurate and pay attentionRead MoreSwot Analysis : A Swot852 Words   |  4 PagesStrength, weaknesses, opportunities and threats, commonly known as a SWOT analysis is used by businesses. Organizations use the SWOT analysis technique to figure out and understand their areas of strong suits (strengths), their inevitable flaws (weaknesses), prospects that the organization could look into (opportunities) and things that pose as intimidations to the organization (threats). There are many obstacles to overcome when it comes to international expansion. Obstacles such as; language andRead MoreSwot Analysis : The Swot1888 Words   |  8 PagesThe SWOT analysis, a strategic planning tool was developed by Albert Humphrey in the 1960’s and 1970’s. Albert is said to have come up with this strategic planning tool through the use of data the Fortune 500 companies in the United States of America at that time (Lancaster Massingham, 2011). A SWOT analysis determine s the strengths, weaknesses, opportunities and threats, which are a relevant part of any organization especially the ones that get involved in new ventures. This tool assists the users