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The second Homework FRM (David) ( The second Homework announcement (FRM Homework 002))
1樓
1. My portfolio investment plan have 5 items: Gold (20%), Currency (20%), Insurance (15%), Stock (20%), Real estate (25%).
2. Explain: 
  • I choose Gold and Currency because they are high liquidity items. The majority of portfolio (40%) will help me to urgent investment.
  • I think invest to stock with 20% is reasonable. Because the security market is stable now, development of companies, more data information for investors. So I think I control fluctuation of prices, I can get profit.
  • The real estate with the largest percentage (25%), I expect I will get a big profit. The risk is also more than because the real estate market is so changeable, you can get more cash today, but you can loss tomorrow, especially in my country (VietNam). But I think to get a big profit you must accept it. To reduce the risk I must work very hard! Don't stop research the market and having good decisions to adjust my portfolio.
  • Finally, Investing to insurance with 15%, this is a safe choice. It mean I sell a part of the risk (from The real estate) by a insurance contract with a cost is 15% of my portfolio.
2樓
David, 
Your investment plan have 5 items
Gold (20%), 
Currency (20%), 
Insurance (15%), 
Stock (20%), 
Real estate (25%). 

In fact, the above options have lower investment risk inside, and the portfolio is very balanced between investment return ratio and risk. Therefore you may get positive ROI (Return ratio on investment) finally.

Your portfolio plan is considered risk-sharing and more safety to operate.
It's a good and safety portfolio planning.

Professor Chao
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