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Investment Objectives - MOST IMPORTANT FACTORS
Quality of Management
Convenience and Services
Minimum Purchase Requirements
Sales and distribution charges
Preservation of capital - keeping money safe by purchasing
high grade bonds and money market securities.
Current income - investments that pay interest and dividends
(bonds, preferred stocks, high yielding common stocks, income funds, etc.)
Growth of invested capital - buying stocks of growth companies that
reinvest money instead of paying dividends.
Performance Statics - examined may include:
Total Return - gains and income
Total Yield - income
Diversification - Investors can minimize the risk that a particular security might decrease in value by diversifying investments (buying several different securities or funds at once).
NOTE: Diversification reduces business risk, but does not eliminate market risk or interest risk.
Defensive Investment Strategy - investing a large portion of the portfolio in bonds and a small portion in equity securities.
Aggressive Investment Strategy - investing a large portion of the portfolio in equity securities and a small portion in bonds.
Expenses - Ex: mortgage, college expenses, insurance etc.
Discretionary income - Income that is not needed for necessities (money that can be risked)
Assets and liabilities - What the investor owns as compared to what he or she owes
Assets: cash, securities, cars, properties, etc.
Liabilities: rent, mortgage payments, taxes, car payments, bills, etc.
NOTE: Net worth = Assets - Liabilities
Liquid assets - cash, liquid securities, etc.
Insurance needs - Life, Health, etc.
Participation in retirement programs - IRAs, Keogh, Pension Plans, etc.
Tax status - Tax bracket. Does the investor have the need for additional write-offs?
Short and long-term liquidity needs - Child going college, buying a house, retiring soon, etc.
Fluctuations in value of invested capital - Can investors handle the ups and downs of the market?
Income level changes - Expecting a raise, retiring soon, etc.
Purchasing power of income and/or principal - Can investors handle inflation risk if keeping money safe?