Investment Seminar Series

17 Modules / One Intensive Workshop

1. Personal Objectives Assessment

You the investor will learn to evaluate your personal circumstances in areas of:

  • Personal data

  • Net worth and family budgeting

  • Your personal tax situation
Your overall investment knowledge

Also, you will be able to differentiate
your:
  • Primary investment objectives
    (Income, Growth, Safety)

  • Secondary investment objectives
    (Tax Minimization, Liquidity,
    Other Individualized Objectives)

2. Time Horizon Assessment

You the investor will familiarize yourself with:

  • Your investment time horizon

  • Personal constraints

3. Risk/Reward Assessment

You will identify:

  • Your unacceptable risks
  • Your tolerance for risk
  • The difference between systemic and un-systemic risk
  • Target setting (expectations) based on your risk/reward

4. Asset Allocation Assessment

You will be able to:

  • Determine the appropriate asset mix

  • Allocate investment capital to various asset groups.

  • Recognize each asset group's expectations.

  • Understand your Asset Mix and your Investment Objectives as each
    contribute to the structure of a your balanced portfolio.

  • Implement the Asset Mix Decision

5. Comprehensive Portfolio Evaluation

  • Snapshot of total holdings with asset allocation determination on an Excel spreadsheet to visualize totals and percentages on one page.

  • Address high concentration positions

  • Individual needs assessment versus portfolio structure

  • List discrepancies between personal investment needs and
    objectives versus actual portfolio structure

  • Determining portfolio risk and time horizon versus personal risk and time horizon

  • Re-examine personal objectives assessment and personal circumstances to determine appropriate portfolio structure

  • Re-address asset allocation if needed

  • Monthly "snapshot" to stay focused

6. Model Portfolio Assessment

Determining and understanding the selection of the appropriate Model Portfolio suited for you.

The four Portfolio Models are:

  • Fee-Based

  • All-Loaded Mutual Fund

  • All-No-Load Mutual Funds,

  • All Index/ETF
    (which serves as the benchmark for portfolios in comparing actively vs. passively managed asset allocations).

Each of the four Portfolio Models has five asset allocations for use with the most commonly used investment risk tolerance categories today:

1) Conservative
2) Moderately Conservative
3) Moderate
4) Moderately Aggressive, and

5) Aggressive

7. Strategic Portfolio Optimization

You will learn and understand:

  • That the key or goal to portfolio optimization is in Creating an "efficient" investment portfolio based on your particular needs as outlined in the investment process.

  • It requires an understanding of the fundamental concepts of diversification and asset allocation, and while risk is not completely avoidable in investing, diversifying your investments may help manage and reduce your level of risk.

  • That diversification means spreading out your investments

  • That diversification is a strategy that recognizes the inherent fluctuations in the market, and in various types of investments.

  • That there are different ways to diversify; there are many levels of diversification.

  • You can diversify by asset classes - choosing a mix of stocks, bonds, and cash.

That you can diversify by various asset sub-classes, which often fall into one of the following categories:

1) Market sector - Economic cycles affect various sectors (i.e., manufacturing, energy, technology) differently.

2) Investment style - Securities based on a specific investment style (i.e., growth, value) also respond differently to change

3) Geographic region - Specific countries or regions may have very different financial markets and economic conditions.

8. Core Holdings Review

You will learn how to identify Core vs. Non-core Investments

  • A core holding is just what it sounds like, hence, the central part of your investment portfolio.

  • The core requires investments that will be reliable year in and year out.

  • They're the solid foundation for the rest of a portfolio.

  • Reaching your investment goals, your portfolio needs a solid, reliable core, usually a combination of stable, blue-chip companies.

  • That great core stocks share a handful of qualities; they're profitable, consistently earning great returns on the money shareholders have invested.


Tony Spagnolo, FCSI
Founder, Investment Coach and Educator



Glossary of
Investment Terms

 

Click here
for Personal Financial Self-Assessment Quiz, and Model Portfolio profiles.


Adobe Reader

 


9. Buy/Hold/Accumulate/Reduce Strategies

You will learn the meaning the various investment strategies:

  • That complement your Personal Investor Profile

  • That are based on you the diversification and asset allocation of your portfolio, and the your Personal Objectives Assessment.

10. Psychological Market Theory

You will learn various aspects of Psychology & Behavioural Finance

  • Much of economic and financial theory is based on the notion that humans act rationally and consider all available information in the decision-making process.

  • However, researchers have discovered significant evidence that this is frequently not the case, and that this evidence revealed repeated patterns of irrationality, inconsistency, and incompetence in the ways individuals arrive at decisions and choices when faced with uncertainty.

  • Many researchers believe that the study of psychology and other social sciences can shed considerable light on the efficiency of financial markets as well as explain many stock market anomalies or irregularities

11. Understanding & Interpreting Securities Analyst Recommendations

You will understand two basic types of issues.

  • The first stems from the fact that analysts' ratings today do not have clear, standardized meanings.

  • The second relates to the potential conflicts of interest that you, as an investor, should be aware of in assessing the usefulness to you of any particular analyst recommendation.

  • As stock market participation has expanded on all major stock markets as general investment interest has broadened, investment information has exploded as well. With the media in its many forms, such as; TV financial news, business magazines, newspapers, Internet Web sites and chat rooms, corporate filings and news releases, stock analyst reports, there is plenty of conflicting data for investors to sift through today, not thoroughly understanding its true meaning.

  • Unfortunately, quantity is no guarantee of quality:

    It has never been harder for small investors to assess which information they should rely upon in making decisions. As a result, some investors have depended too heavily on the one-word recommendations of just a few analysts.

    Many don't understand the particular context in which such recommendations are often generated, and the particular ways in which they often must be read.

  • As such, analysts play a useful role in our capital markets, but investors should understand that role. For example, by doing in-depth research for their large institutional clients and employers, analysts can help substantial sums of capital be directed to more productive uses in our economy.

  • Analysts usually summarize their research reports with a brief recommendation. Every firm uses its own rating system. Examples of such recommendations will be explained in this Module.

12. Research - Fundamental Analysis

You will learn and understand

  • This form of security analysis is based on fundamental facts about a company as revealed through its financial statements and an analysis of economic conditions that affect the company's business in trying to understand the factors that cause equity price movements.

  • That in fundamental analysis, investors attempt to predict the direction of asset prices by examining the overall economy, the industry, the individual companies, as well as the internals of the companies being researched, such as, the management, the financials, the competition in any given industry.

13. Research - Technical Analysis

You will learn and understand:

  • This form of security analysis focuses on the price movement itself in trying to determine or predict future price movements by analyzing charts patterns and formations, momentum and sentiment indicators, with the main emphasis on price and volume indicators

14. Strategic Portfolio Rebalancing

  • In following the investor profile, the original designed portfolio structure would be maintained by periodic rebalancing the portfolio to reflect the proper asset mix and individual diversified holdings.

  • This process should be implemented as soon as necessary as per the investor profile.

15. Quarterly Monitoring Review

You will learn and adapt:

  • A habit of properly monitoring your investment portfolio on a quarterly basis, which is crucial in a successful portfolio program.

  • General guidelines ensuring your investment needs and objectives are met.

  • To make required adjustments in a disciplinary manner to ensure continued success.

16. Savings & Retirement Assessment

You will learn:

  • How a progressive savings and investment program will ensure adequate retirement assets and a comfortable revenue stream in the retirement years.

17. Personal Objectives
Re- assessment

  • On a yearly basis on or when personal circumstances significantly change, the investors will re-assess their Personal Objectives once again to re-align their portfolios if necessary to reflect the current conditions of their personal circumstances and lifestyles.

| Home | About Us | Service Center | Contact Us | Request Info | Coach's Credentials |

PORTFOLIO RESOURCE CENTER, 2140 Quesnel Street, Montreal, Quebec (CANADA), H3J 2R8
Telephone/text: 514.583.5864 Email:
tonyspagnolo.ts@gmail.com

© Copyright 2006-2019 Portfolio Resource Center - Your Personal Investment Coach.
All Rights Reserved.
All logos, trademarks, brandnames or product names included in this web site
are trademarks, registered trademarks, tradenames or copyright of their respective holders.