You just inherited $100,000 (tax free) from your long lost uncle Jedediah, who found a lost gold mine in the Aquarius Mountains of Arizona. [Some people have all the luck!] You have decided to invest your inheritance for retirement. So, your assignment is to create a retirement investment portfolio with this $100,000. Your portfolio could consist of 3 stocks, 3 mutual funds including at least one stock fund and one bond fund, and 2 ETFs. You can save any leftover funds, but state where you would save them: short-term Treasury debt (bills and notes)? A CD? A Savings Account? A Money Market Account or Fund? These leftover funds cannot be more than 5% ($5,000) of your total amount inherited. You must explain the tax consequences of each investment selected and how any taxes will affect the projected gain or income for you.
Why did you select the investments? How do they meet your needs? Did you buy or refrain from buying any securities because of your personal beliefs (socially conscious investing)? How have they performed – both recently and over the years? What are their current yields? What are the yields over a longer term? What expenses are associated with the instruments – i.e. expense ratios for the mutual funds? How do they compare to other similar investments? How much did you invest in each investment? How many shares where you able to buy? Do not discuss the generalities of investing: this paper is about YOU, your investment goals, and investment strategies. Be very detailed in your paper.
Remember, you have $100,000 to invest. NO MORE AND NO LESS! This is “real life”. You cannot buy partial shares of stock. You can buy partial shares of mutual funds. Give me the real numbers.
Late Assignments: Please refer to the course syllabus for the late assignment policy and penalties.
Investment Project Grading Rubric – This project is weighted at 30% of your final grade for the Investment class in this cluster.
|Timely Submission: refer to syllabus for late submission penalties|
|Length: 7 pages – 3 percentage point deduction for each page short|
|Grammar and Punctuation: percentage point deductions for typos, grammar and structure errors.|
|All required information provided with rationale for a retirement plan.||Most required information provided with some rationale for a retirement plan.||Some information provided with some discussion for a retirement plan.||Not all information provided and vague retirement information provided.|
|Appropriate discussion of how risk tolerance was determined and implications on investment decisions.||Appropriate discussion of how risk tolerance was determined with some implications on investment decisions.||Appropriate discussion of how risk tolerance was determined and minimal discussion on implications on investment decisions.||Risk tolerance discussion not included.|
|Investment choices detailed
|At least 8 securities were selected, details with performance, cost and risk data.||At least 8 securities were selected, with some details with performance, cost and risk data.||Some securities were selected, with little detailed performance, cost and risk data.||Some securities were selected, no details about performance, cost and risk data.|
|Appropriateness and rationale for investment choices
|All securities were thoroughly discussed as to why they were selected and appropriate for investing for retirement.||All securities were basically discussed as to why they were selected and appropriate for investing for retirement.||Some securities were discussed as to why they were selected and appropriate for investing for retirement.||Poor discussion as to the rationale for choosing securities.|
|Thoroughly completed with projected ending balance.||Mostly completed with projected ending balance.||Investments are listed leaving out much detail and performance information.||Not included.|
|All references identified and appropriately cited using the MLA format.||All references identified and appropriately cited mostly using the MLA format.||Some references identified and not appropriately cited using the MLA format.||Not all references identified and not using the MLA format.|
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