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1樓

1. Write down your portfolio investment plan?
Insurance 20 %
My business plan 40%
Charity 5%
Securities 20%
Education 15%
2. Why you make this portfolio investment plan, explain.
I spilt my investment plan into 5 groups:
a. Firstly, education invesment (higher education - 15%)
  I believe that investing in education is worth any cost. Maybe in the real world, i have many kind of investment instrument, but the best investment instrument is still myself. As Warren Buffet said “Invest in as much of yourself as you can, you are your own biggest asset by far”. Even though there will be no refund for those tution fees, education is the key to help us not only gaining more knowledge but also maybe earning 20 – 100 times money that we have paid for education . Therefore, I would like invest 20% of my money in investment plan. I expect to complete those thing in 2 years later:
-  A high level of language proficiency: English (Master), Japanese (Intermediate), Chinese (Basic).
-  GMAT for entrancing Master degree.
-  CFA certificate.
b. Secondly, financial investment (Stock - 20%)
  Stock market is the main financial investment objective of me. Instead of short-term investment, I prefer to invest stocks in long-term. Vietnam stock market is the emerging market so that it is risky than those developed market. Therefore, even though i invest stock in long-term, i still allocate my portfolio which is based on market information and economic period. In my portfolio, there will be 4 or 5 stock (bluechips in each sector) because I “do not put all eggs in one basket”. I extremely want to apply all my academic knowledge which I have studied before to invest in Vietnam stock market. I am willing to suffer 20% loss of earning in order to put it down to experience. However, I expect to earn 30% of my money during 5 years.
c. Thirdly, community investment ( Charity 5%) :
  From earliest childhood, my family taught me that helping people was valuable thing even I was rich or not. Though charity is neither profitable nor refundable, it makes me feel nonchalantly and happily. Besides, I would like use this money in order to support students who have great startup ideas and want to fulfil their dreams. I look forward to seeing that my money is not only stopped at giving but it  also encourage them create money for a better life more and more.
d. Fourly, dream investment (Business plan 40%).
  Beside being a saler in banking sector, I would like to establish a rating company in 3 sectors: Financial sector, service sector and education sector. In Vietnam, there are 3 prevalent sectors that almost are interested in, but very few even no rating companies offer a quality evaluation board for those sector. For example, it is really difficult for my parents to find a great english center which is based on their demand ( quality and amount of money) for my younger brother. My parents used to surf the internet in order to seek lots of reviews but the quality of many english center are exacerbated by those internet users. Therefore, I will use 40% of my fund to build my company. My company objectives: Foreign investors, Corporation and individual consumers.
e. Finally, health investment (Insurance 20%):
  I choose life insurance is the whole point of health investment because it comprises of 3 factors: saving for my retirement, insuring my life and reducing the burden cost for my family. I think good health is the greatest blessing of life. Therefore, a person in the pink of health enjoys all the good things of life.

2樓

Yunnie, your portfolio investment plan mentioned

Insurance 20 %
My business plan 40%
Charity 5%: very few people to take this item into consideration
Securities 20%
Education 15%: To plan to get MBA or Master degree in Financial management

I have found that there have a challenge, you have mentioned that 
" Beside being a saleswoman in banking sector, I would like to establish a rating company in 3 sectors: Financial sector, service sector and education sector.
This investment need more money and excellent staff to make it run professional.

I am very glad that you have ambitious investment plan to take the risk.
Hoping that you can get into the smooth route in the future.

Your homework contents and thinking way seem to be embedded in challenge but still have possibility to succeed. I think that you have courage and ambition to create a successful business company.

Professor Chao
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