1. Intel-writers.com
Discus the Investing and Stock Portfolio (updated 2023)
1 Title: Investing in the Market
For each investment (1-3) select:
$10,000 amount invested
One time investment: Yes
Start/End Year:
Recent 10-year period (i.e. 2010-2020)
Recent 25-year period (i.e. 1995-2020)
Adjust the Index/Commodity for Inflation: No
Index: Select a total of 3 (different for each investment 1-3)
The final tab includes a chart of the 3 selected indices. You will want to change Logarithmic
Scale to No, providing a consistent interval on the y-axis. In the right-hand corner of the chart,
you can select the menu, downloading the graph (.png, .jpg, .pdf).
Write a 2–3-page paper including the following components:
Introduction – Identify the purpose of the calculator and what potential applications it could be
used for. Introduce the three indices or investments that you selected. State the purpose of the
assignment.
Body / Analysis – Provide an overview about investment and results of the historical calculator:
Describe the three selected indices. What are they composed of (assets)?
Provide a summary of the 10-year performance, including the chart.
Provide a summary of the 25-year performance, including the chart.

2. Identify the variables discussed in the textbook. Relate your findings from the calculator with
formula 3.1 in the text. Does Future value match the ending dollar amount, given the other
variables?
Conclusion – Summarize your findings of this data exercise. Provide any observations or insights
you may have about this historical investment tool. Was the highest return the same for both the
10-year and 25-year period?
2 Title: GIS and Credit Risk
we focused on Bonds and what variables might impact the interest rate for a given bond (asset).
One of those factors was credit risk. Credit risk is determined by the possibility of default. It is
used for pricing debt instruments (mortgage, business, auto, credit card, etc.). This assignment
will consider geospatial data and the application it might have in determining credit risk, and
ultimately the interest rate charged (CLO #2, CLO #5).
For this assignment, consider one of the following employment scenarios:
1. Mortgage Originator at Spaceship Mortgage (a national financial firm) – as the originator
you are responsible for working with the lender to determine credit worthiness. You have
customers from all over the country applying for mortgages. You can use this geospatial
data to inform your team about potential leads.
2. Portfolio Manager of a municipal bond fund at Goldman Lynch (investment bank) – as
the portfolio manager you buy municipal bonds (debt) throughout the country. Your
clients rely on your credit analysis to ensure that the municipalities (city, county, state,
etc.) make payment and repay the debt on the bonds. You should have a diversified
portfolio, but do the best to mitigate risk.

3. 3. Credit Analyst at CarCredit (a national auto loan institution) – as the credit analyst you
are responsible to estimate risk for new and used car loans throughout the country. Your
role includes updating the team on potential concerns or risks that arise from lending
individuals’ money.
Directions:
1. Select one of the three positions listed above. In addition, you may want to research about
that industry and the use of credit (mortgage, municipal debt, auto).
2. Review available references regarding credit and geospatial data:
3. Review the 9 maps with finance, economic, and education data. Examine the data by
zooming into the state, county, and even zip code level. You will choose 3 of the 9 maps
that you believe could support business decisions at your selected role.
Deliverable: In a Word document, provide a 2–3-page paper that addresses the following:
 Introduction: Provide a brief overview of the employment scenario you selected above
(mortgage originator, portfolio manager, or credit analyst). Identify job functions or roles
you would expect to have at the company. Include the opportunity for geospatial data and
analytics to support your firm.
 Body/Analysis: Identify each of the 3 maps selected from above. For each map you
should include:
1. Explain the information provided in the map.
2. Are there any regional trends (i.e. Southwest, Georgia, Northeast, etc.)?
3. How could this map support credit risk analysis in your business line?
4. Did you find anything interesting about the data (location specific)?

4. Remember, GIS is a tool you can use to improve decision making at your company. Make sure
to apply the data to the potential decisions being made (lending, investing, etc.).
 Conclusion: Summarize your research and findings regarding the use of GIS and data
analytics. Given the data you identified, would you feel more confident making a credit
decision?
#3Title: Portfolio creation
This assignment provides students with the opportunity of creating a stock portfolio. Risk and
reward analysis of this portfolio will be conducted using historical prices. (CLO #2, CLO #5).
Directions: Today is July 26th, 2021 and you started a new job with a financial planning
company. You have been asked to present the risk/reward profile of your own recommended 5
stock portfolio for one of the clients at an upcoming meeting. Specifically, they would like you
to present the monthly average returns and standard deviation for the last 5 years. Given you are
a new employee, the firm has offered you the option to select the client you would like to present
your suggested portfolio. You must select one of the following clients:
1. Brad Smith: Brad is a recent college graduate who just started his career. He considers
himself to be a “risk-seeking” investor. He would like to get his retirement account going
by seeking above-average returns in the next five years. He is not concerned about risk as
he has many years left in his career.
2. Andrew and Julia Peters: The Peters are newlyweds and would like to consider saving for
a home. They have a five year horizon to save for a down payment on a house. They
would like to invest in a portfolio that offers average growth and understand the risk of
investing in stocks.

5. 3. George and Mary Bell: The Bells are looking to retire in five years. They are on track
given their savings, but would like you to invest in a portfolio of “conservative” stocks.
This might include stocks paying dividends as it will allow them to receive income. They
would like to see below average to average returns without a lot of risk.
The firm has suggested that you adhere to two rules:
1. Select five stocks that you believe as a portfolio represent the client’s interest
(risk/reward)
2. Always diversify!
Note: For Week 7 Discussion Post, you will want to provide your selected client and the
potential five stock portfolio you might construct. This discussion post should be a first attempt
at constructing your portfolio, getting feedback and suggestions from your peers.
After selecting your client and deciding on your portfolio:
1) Collect price information from the Yahoo! Finance website (finance.yahoo.com) as follows:
a. Enter the stock symbol. On that page click “Historical Data”
b. For time period, enter the “start date” as July 1, 2016 and the “end date” as July 26, 2021, to
cover the period. Choose monthly frequency.
c. After hitting “Apply” click “Download Data”.
d. Open the downloaded data in an Excel spreadsheet. Delete all the columns except the date and
the adjusted close. Label the adjusted close the name of the stock.
e. Enter the next stock symbol in the main search box and search for the next stock. Repeat the
same steps above for each stock, maintaining the same time frame. Make sure the first and last
prices are in the same rows and lined up correctly.

6. 2) Convert these stock prices to percent change in monthly prices (hint: create a separate
worksheet within the Excel file).
3) Compute the mean monthly returns and standard deviations for the monthly returns of each of
the stocks. Convert the statistics to annual for easier interpretation (multiply the mean return by
12, and the standard deviation by square root of 12: √12).
4) Add a column in your Excel worksheet with the average return across stocks for each month.
This is the monthly return of an equally weighted portfolio of these 10 stocks. Compute the mean
and standard deviation of monthly returns for the equally weighted portfolio. Convert these
monthly statistics to annual (see step 3).
5) Create an Excel plot with the annual standard deviation (volatility) on the x-axis and annual
average return on the y-axis.
a. Create three columns on your spreadsheet with the statistics you solved. The first column will
have the ticker (symbol) and “Portfolio”, the second will have annual standard deviation, and the
third will have annual mean return.
b. Highlight the data in the last two columns (standard deviation and mean), choose: > Insert >
Chart > XY Scatter Plot. Complete the chart wizard with labels, titles, and headings.
Deliverable: Write a 1-2 page paper with:
 Introduction: Identify the client, their interests, and what portfolio you selected.
 Body/Analysis: Compare and contrast the investments from a risk / reward perspective
over the last five years. What do you notice about the average of the volatilities with the
individual stocks compared to the volatility of the equally weighted portfolio? What is
the advantage of owning the portfolio?

7.  Conclusion: Summarize the findings from your portfolio analysis. Provide any insight
about future investment.
Upload the Word document and Excel file to Blackboard Assignments Week 7 folder. Make sure
to cite the sources using APA format.
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