NAME: ______________ Shelanie D. Sarsalejo ______________ Date: __________________________
Culminating Assessment Task. Design an investment plan and justify it by presenting a Return of Investment.
INVESTMENT PLANNING
1. When and how much you are saving
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10 years from now I will have a convenient store that has been running for 2 years.
Average sale of P 500,000.00 per month
Average sale of P 6,000,000.00 per annum
Net income P 4,200,000.00 per annum
Total Asset of P 3,360,000.00
2. Set Financial Goals
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Safety. To maintain level of income to provide for the future‟s expenses.
House and Lot. To meet the basic need (shelter).
Car. For efficient transportation.
Health Insurance. To meet financial expenses caused by a sudden incidents.
Marriage Life. To meet financial expenses for married life in the future.
Travel Goals. For self-reward purposes and to learn about other cultures.
Retirement. To meet financial expenses as I get older.
3. Investment Risk: Analyze your risk taking ability
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Due to the dynamic characteristic of the stock market, I consider myself as a moderate risk tolerant.
- Moderate Risk Tolerance. Accept some risk to the principal but adopt a balanced approach with intermediate-term
time horizons of five to 10 years. Combining large-company mutual funds with less volatile bonds and riskless
securities, moderate investors often pursue a 50/50 structure. A typical strategy might involve investing half of the
portfolio in a dividend-paying, growth fund.
Possible risk to encounter
- Liquidity Risk – known as „liquidity shortage‟ unable to convert assets into cash or the stocks bought cannot be
bought or sold quickly.
- Speculative Risk – happens when gains has uncertain chance of success especially if there are unpredictable events.
- Pure Risk – uncertain danger that are not controllable.
4. Savings Portfolio
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I will invest my money to financial institutions that offers retirement investments, asset management services and mutual
funds, bonds, and stocks diversification to help and guide me in my investment.
- Wealth management incorporates financial planning, investment portfolio management and a number of aggregated
financial services.
Savings Porfolio of Php
100,000.00
Savings Porfolio by
percentage
10%
30%
10%
₱30,000.00
₱10,000.00
₱25,000.00
25%
25%
₱10,000.00
₱25,000.00
Shakey’s Pizza Asia Ventures, Inc.
Shakey’s Pizza Asia Ventures, Inc.
MacroAsia Corporation
Security Bank
Philippine National Bank
BDO Unibank, Inc.
MacroAsia Corporation
Security Bank
Philippine National Bank
BDO Unibank, Inc.
5. Investment Options
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Stocks – units of ownership in a corporation. To put it simply, when you buy stock from a certain corporation, you
technically “own” part of the company.
Bank Products – these are the common type of investment. You basically deposit a sum of money and it will be held
securely and limits withdrawal. Savings Accounts, Certificates of Deposit (CDs), Money Market, and Federal Insurance
all count as bank products.
Life Investments
 Insurance – a contract, represented by a policy, in which an individual or entity receives financial protection or
reimbursement against losses from an insurance company.
 Retirement Fund – a special fund which people pay money into so that, when they retire from their job, they will
receive money regularly as a pension.
6. Asset Allocation
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As a moderate risk tolerant investor, I will invest money to five different investment firms to have a multiple returns
within 7 years in order to meet my financial goals.
RETURN
OF I N V E S T M EN T
Access to Capital: Borrow 50% from alternative lenders another 50% from the business‟ net income.
Amount: P 100,00.00
Where to Investment: Stock Market
Company
Investment Summary:
SECB
BDO
PNB
PIZZA
MAC
No. of
stocks
271
340
1,262
1,694
1,883
Price/Share
(Buy)
P 92
P 88
P 19.80
P 5.90
P 5.31
Equity
P 25,000.00
P 30,000.00
P 25,000.00
P 10,000.00
P 10,000.00
Price/Share
(Sell)
P 140
P 150
P 135.80
P 37.90
P 67.31
Equity
Gain
P 37,940.00
P 52,500.00
P 47,829.80
P 64,202.60
P 126,744.73
P 12,940.00
P 22,500.00
P 22,829.80
P 54,202.60
P 116,744.73
Total
P 229,217.13
ACTUAL ROLLING OF THE BUSINESS
Transaction
1 Quarter
2nd Quarter
3rd Quarter
4th Quarter
ST
Sales
P 1,116,000.00
P 1,395,000.00
P 1,885,000.00
P 1,760,000.00
COGS
(P 90,000.00)
(P 105,000.00)
(P 177,000.00)
(P 105,000.00)
Expenses
(P 220,000.00)
(P 150,000.00)
(P 240,000.00)
(P 250,000.00)
TOTAL
Net Income
P 1,300,000.00
P 1,170,000.00
P 1,468,000.00
P 1,355,000.00
P 5,293,000.00
Net Income/Total Asset = ROI
P 5,293,000.00/P 3,360,000.00 = 1.58 or 158%
Motives:
Transaction Motive
The business‟ sales will be used to meet the day-to-day expenses and needs. Though it would depend on the
buying season of the customer and some unpredictable events.
Precautionary Motive
The business‟ investments will be used to cater future expenses for the business and for my financial goals as
well.
References
https://www.investopedia.com/terms/r/risktolerance.asp
https://localfirstbank.com/article/four-different-types-of-services-banking/
https://localfirstbank.com/wealth/wealth-services/
https://citiglobal.com.ph/blog/ideal-investments-philippines-2020/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwj_r
MPRrPTqAhUHq5QKHTvWAfEQFjABegQIChAD&url=https%3A%2F%2Fwww.collinsdictionary.com%2Fd
ictionary%2Fenglish%2Fretirement-fund&usg=AOvVaw1PMjteBm85l_vNxgtRWLaW
https://www.investopedia.com/terms/i/insurance.asp