Investment Portfolio Essay Example

Investment Portfolio Essay Example Investment Portfolio Essay Investment Portfolio Essay Investment Portfolio Name: Course: Institution: Instructor: Date: Investment Portfolio The investment portfolio would take more than seven years considering there are bonds that will mature after 10 years. Therefore, the time horizon for this project would be in the long term. Although other investments such as securities are within seven years, the bonds make the investment a long-term project. The investment experience for this project can be described as extensive considering the time horizon as well as the investment portfolio itself, which combines several investments in the long term. With securities and bonds that go for more than seven years, the investment can be describes as extensive (Goldie Murray, 2011). Additionally, it is an investment by the same person, meaning the portfolio is diversified making it extensive. I do not intend to withdraw retirement savings for non-retirement expenses. This raises the risk of having no retirement savings in the end. Therefore, I would prefer leaving the retirement savings untouched and exploit other means. I would consider retirement savings to be a future investment, and should not be withdrawn since it means having no savings at the end. However, if it is an investment withdrawal likely to earn more, I could consider withdrawing. In case of an emergency, my long-term investment would last for quite some time if the emergency were not solved by short-term investments. My long-term investments would last for more than a year, about two years in the event of a significant amount of emergency. The monthly income used for paying up the installment debt is between 25% and 50% per month, which does not include the mortgage. The installment debt does vary with the variation of interest rate in the market but does not exceed 50% of my salary. In the future, about five years from now I expect that my salary and earnings will be able to grow and exceed the inflation, considering the investments I have made. As I expect my investment to grow within the five years, I would also expect my earnings to exceed the inflation rate or grow faster than the inflation rate within the five-year period (Goldie Murray, 2011). I could be ready to take some risks for my investment in order to exceed the inflation rate. Currently, the investment is likely to exceed the inflation rate in the future. However, if it would require taking more risks, I would take some, but not to a big extent. During steep decline in the equity markets, many people or investors are under pressure to sell their investment. At this time, the equities sell at a cheap price. Therefore, I would see it as a chance of increasing my investment by buying more equities. Therefore, after a steep decline, I would be comfortable, and see it as a chance of buying more equities (Hagin, 2004). If I had $100,000 invested and lost 20%, which is $20,000, I would see it as an investment opportunity and buy more since many investors would sell cheap at that time to avoid further loss. I would probably hope they would gain in the future, when I shall have some profit. However, if the investment dropped by another $12,000, which is 15% loss to make it 35 in total, I would still hold on and wait for them to gain. Selling the entire investment would mean a bigger loss than waiting for them to gain and earn some earnings. References Goldie, D. C., Murray, G. S. (2011). The investment answer: Learn to manage your money protect your financial future. New York, NY: Business Plus. Hagin, R. (2004). Investment management: Portfolio diversification, risk, and timing–fact and fiction. Hoboken, N.J: Wiley.

The Three Restauranteers

The Three Restauranteers The Three Restauranteers The Three Restauranteers By Maeve Maddox A reader asks about a word that means â€Å"a person who owns and manages a restaurant†: I recently saw the term restauranteer on someones resume. Ive heard of musketeers, and even mountaineers; but I thought restauranteurs and connoisseurs were in a different category? The reader may be surprised to know that the Word spellchecker flags both restauranteer and restauranteurs as misspellings. The standard form is restaurateur. The suffix -eer is an Anglicized form of the French suffix -ier. It is used to form nouns denoting persons. For example, French canonnier gives English cannoneer; French muletier gives English muleteer. The usual sense of such nouns is â€Å"one who is concerned with† or â€Å"one who deals in.† Some French borrowings retain the -ier in English, for example bombardier, brigadier, cashier, clothier, courier, and chocolatier. The suffix -eur is a French suffix unchanged in English. Its usual use is to form agent nouns from verbs, for example: amateur, one who does something for the love of it. connoisseur (from Latin cognÃ… scÄ•re, â€Å"to know†), one who knows, especially about matters of taste. provocateur, one who provokes a disturbance. raconteur (from French raconter, â€Å"to recount, tell†), one who tells stories. restaurateur, one who owns and manages a restaurant. saboteur, one who commits sabotage. secateur, something that cuts. All three forms- restaurateur, restauranteur, and restauranteer- appear on the Ngram Viewer, but restauranteur is close to the bottom of the grid, and restauranteer is barely a blip. The Chicago Manual of Style points out that restauranteur may appear in some dictionaries without being an example of good usage. The Associated Press Stylebook lists restaurateur as the only spelling. The reader who asked the question also asks to know how to remember the correct spelling. Perhaps this will help: Restaurateur begins like restaurant, but does not include the n, and it ends with the suffix -teur. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:English Grammar 101: All You Need to KnowUse a Dash for Number RangesHow to Send Tactful Emails from a Technical Support Desk