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1樓

Dear Professor,

- Answer:

 1. My portfolio investment plan include:

    + Currency (40%)

    + Gold (30%)

    + Stock (15%)

    + Land or Apartment (15%)

 2. Explain:

   - I choose currency because money is the highest liquidity and always be directly used for payment, circulation, storage. Example: When you want to buy a truck for your company, you must pay cash. If you don't directly pay cash, you need pay in monthly installments and will chagre interest under the loan term.

   - Gold: Gold exchange rate changes daily. Gold may fall today but maybe it will be increase two or three times the next day.I think it is an opportunity to make a profitable investment.

   - Stock: Investing securities make a huge profit. But I think risk of the stock is also very. We need to be clear about the value the industry and the compan we invest in. But as I understand the financial statements of companies are often not transparent so the analysis before investing in a company is very difficult.

   - Land or Apartment: I can buy a apartment or a land in locations that I think will grow in the future. I can sell it to earn a profit when the price goes up or it can be rented to others. It is a short-term asset or a long-term asset depend my investment decisions.

3樓

John, 

Your portfolio investment plan includes:

    1. Currency (40%)

    2. Gold (30%)

    3. Stock (15%)

    4. Land or Apartment (15%)

Before you make your final investment decision, you have to think about what are the risks and return ratio. Then to divide your portfolio into the investment items.

Reminding: 

Land or Apartment investment, you have only keep 15% amount, it's obviously less and insufficient to invest. Therefore, how do you invest and buy a house or an apartment with so less money.

It's a problem you have to think it about again.


Professor Chao