1. Building a Portfolio
May 3, 2013
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Building my portfolio of ...long-term savings
1. Formulating the Long-range goals of the client.
2. Portfolio design: where to find 15% growth per year. Where will i invest my
money, in search of growth stories?
My five-year plan: ________________
My ten-year plan: _________________
How much, would i like to
have, by retirement age?
.......
How much is tuition per
year. __ House payments?
How much, per month?
Approximately ....:
________

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May 3, 2013
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3. Where am i likely to find 15% - 25% annual growth in retirement assets:
a. Asia b. Europe c. Africa d. North America e. South America
4. Which method suits me? Encircle your choice—what fits your personality.
a. Yes, this is for me. I
can do this, easily.
b. Oh, no...Will i have
the discipline...?
Active ?
or
Passive?
*Either one is good..
Encircle the likely options. Start a
personal study program to find out the
growth potential for these economies &
stock markets. Choose from below:

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5. What percentage for mutual funds, what percentage for my selections.
6. what is my objective : volatile capital gain, or stable cash dividends?
How much of my money can
be invested LONG-TERM, >
ten years?
_______%
Short-term: money that is
needed for use ....
in One year’s time: ___
in Two years’ time: ___
in Five years’ time: ___
If i have a strong hunch on a stock, i buy it directly. If i have no particular
preference, i park the funds in a mutual fund. Let them figure out, what is the
best buy, for the day / week / month.
Either way, it requires the
sacrifice of “NOT
Spending”...

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7. yes, i want to be informed about the porfolio management. But am i
determined to retain “control”? it may mean, micro-management.
a. I am a control freak. I must micro-manage my portfolio.
b. I don’t know surgery. I will select a skilled, trusted, surgeon. I will let him do his work.
8. Can i trust the mutual fund, to know how to do this: selling the expensive
stocks, and transferring the money to the less expensive stocks? Yes or No.
I will place _____ percent, in
stocks that grow fast.
I will place _____ percent, in
stocks that pay 3% to 8%
cash dividends.
Can i subcontract
this task, to a
mutual fund?

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9. Encircle the result you want, at retirement age.
10. What are the good sectors for investment.
Place a check mark, if you agree with the percent allocation.
If you happen to disagree with my percent allocation, please cross out the
item or the percent numner, and write out a new answer...
Exercise : encircle the end result, that you want.
what you save percent % 10 20 30 years
this year >> Amount 10 31 81 209 THOUSAND
1000 /MONTH 12 15 49 196 795 THOUSAND
'000 20 74 460 2,849 THOUSAND
percent % 10 20 30 years
Amount 12 373 1,158 3,595 THOUSAND
10k/MONTH 120 18 628 3,287 17,204 THOUSAND
'000 24 1,031 8,864 76,178 THOUSAND
percent % 10 20 30 years
Amount 12 745 2,315 7,190 THOUSAND
20k/MONTH 240 18 1,256 6,574 34,409 THOUSAND
'000 24 2,063 17,727 152,357 THOUSAND

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11. When i am ready to invest abroad, how much would i place in these
stocks? If you agree with the percent allocation, place a check mark. If not,
cross out the item or the percent number, and write a better item or number.
USA stocks, 15
PhiL stocks, 25
Singapore, 15
Malaysia, 15
Thailand, 15
Indo, 15

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12. How about owning some businesses in the other side of the globe. If you
agree with the percent allocation, place a check mark. If not, cross out the
item or the percent number, and write a better item or a different number.