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I need sections 5 thru10 completed please, Ill even send over our current section 1-4 so you can make the whole Investments analysis report look uniform.

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5. INVESTMENT CONSTRAINTS
This section outlines the investment constraints that must be considered when making investment decisions on behalf of the client. These investment constraints include: liquidity needs, time horizon, tax considerations, legal and regulatory considerations, and unique circumstances. (See Chapter 13 of NWM Textbook and Chapter 13 Material in D2L and the information provided in the Client Information and Capital Markets Expectations File to complete this section.)
SUMMARY OF INVESTMENT CONSTRAINTS
Liquidity Needs
Time Horizon
Tax Considerations
Legal and Regulatory Considerations
Unique Circumstances
6. ANALYSIS OF CURRENT INVESTMENTS
This section outlines the purpose behind investment analysis pertaining to both pooled and individual investments, provides an overview of the client’s cu
ent asset allocation, and outlines the investment analysis and conclusions pertaining to the client’s pooled and individual investment holdings. (See information provided in the Cu
ent Investment Portfolio file and the Cu
ent Holdings files for details on the client’s cu
ent investment holdings. See Chapter 17 of the Reilly/Brown textbook and Chapters 14 and 16 of the New Wealth Management textbook for insight on investment analysis.)
Purpose of Individual Investment Analysis
Purpose of Pooled Investment Analysis
Overview of Cu
ent Asset Allocation
Analysis of Cu
ent Pooled Investment Holdings
We consider the following to be attributes of generically bad investment funds; therefore, we exclude the following from our list of investable funds: no load funds, specialty funds, e.g., sector funds, leveraged funds, fixed income funds with an average credit rating of less than A, equity funds with sector weightings that are more than three times the sector weighting of the S&P 500, fixed income funds with an expense ratio that exceeds 0.60%, equity funds with an expense ratio that exceed 1.00%, funds that are in the bottom half of their asset classes performance over the past five years or bottom third of their asset classes performance over the past three years. In addition, unless justified by continual outperformance relative to an appropriate benchmark, we aim to invest in funds that minimize turnover, have lower tax cost ratios, and generate long term returns, e.g., greater than five years, that compare favorably to an appropriate benchmark. Based on these criteria, here are the general findings from our analysis of your cu
ent pooled investment holdings:
The benchmarks that we used to assess the performance of your cu
ent pooled investment holdings can be seen below:
    Client’s Investment
    Investment Style
    Benchmark
    Columbia Government Money Market A - IDSXX
    Money Market
    Vanguard Federal Money Market Fund - VMFXX
    Vanguard Treasury Money Market Investor - VUSXX
    Money Market
    Vanguard Federal Money Market Fund - VMFXX
    ProFunds UltraSector Oil & Gas Investor - ENPIX
    Large Value
    iShares S&P 500 Value ETF - IVE
    Catalyst Insider Buying A - INSAX
    Large Growth
    iShares S&P 500 Growth ETF - IVW
    Rydex S&P 500 A - RYSOX
    Large Core
    iShares Core S&P 500 ETF - IVV
    AB High Income A - AGDAX
    Intermediate-Term Low Quality
    iShares Core U.S. Aggregate Bond ETF - AGG
    T. Rowe Price Instl Lng Dur Crdt - RPLCX
    Long-Term Moderate Quality
    Vanguard Long-Term Bond Index Admiral - VBLAX
    Allspring Municipal Bond A - WMFAX
    Intermediate-Term Moderate Quality
    Intermediate-Term Tax-Exempt Fund Admiral - VWIUX
Please see a summary of the findings from our analysis and our recommendation for each of your cu
ent pooled investment holdings.
    Client’s Investment
    SAP Findings
    SAP Recommendation
    Columbia Government Money Market A - IDSXX
    High expense ratio of 0.40%for a money market fund and underperformance vs. VMFXX benchmark over the last 1, 3, 5, and 10 years.
    Sell due to excessive expense ratio and consistent underperformance relative to its benchmark.
    Vanguard Treasury Money Market Investor - VUSXX
    Low expense ratio of 0.09% and almost identical performance to VMFXX benchmark over the last 1, 3, 5, and 10 years.
    Remain invested in this fund. It has a lower expense ratio (0.09% vs. 0.11%) than its benchmark, VMFXX, with almost identical performance.
    ProFunds UltraSector Oil & Gas Investor - ENPIX
    
    
    Catalyst Insider Buying A - INSAX
    
    
    Rydex S&P 500 A - RYSOX
    
    
    AB High Income A - AGDAX
    
    
    T. Rowe Price Instl Lng Dur Crdt - RPLCX
    
    
    Allspring Municipal Bond A - WMFAX
    
    
Analysis of Cu
ent Individual Investment Holding
7. RECOMMENDED ASSET ALLOCATION
Proposed Asset Allocation
Cash Reserves
Investment Portfolio
Rebalancing Parameters
Investment Analysis Report – Mr. Jose Gonzales        Page 1 of 10
(11/2022)

8. RECOMMENDED INVESTMENTS
(See information provided in the Cu
ent Investment Portfolio file and the Cu
ent Holdings files for details on the client’s cu
ent investment holdings; See Approved Investment Options for list of investments to choose from for recommended investments; See Chapter 17 of the Reilly/Brown textbook for additional insight on investment funds.)
Recommended Investments by Asset Class
Rationale in Support of Recommended Investments
Summary of Improvements
9. IMPLEMENTATION, MONITORING, AND REVIEW
(See Chapters 13 and 16 of NWM Textbook and Chapter 13 Material in D2L for all sections below.)
Duties and Responsibilities
Performance Measurements
Performance Evaluation and Benchmarks
Process for Hiring, Firing, and Monitoring Managers
Rebalancing Process
Summary of Review Process
10. DISCLAIMER AND APPROVAL SIGNATURES
(See IPS Summary Template in D2L for insight on this section.)
I have reviewed my investment policy and understand the risk and return parameters of the proposed investment strategy. I also recognize that this report assumes at least a 10-year investment horizon for the investment portfolio recommendations. I will notify SAP if my circumstances change.
Approved and accepted by:
________________________________________    Date:     
Jose Gonzales

FINA 7100 – Investment Analysis Report
Objective: This assignment is designed to improve your ability to create and communicate investment policy and analysis through an integration of investment concepts, theory, and methods. It is also designed to improve your ability to provide sound investment recommendations using investment theory, methods, client information, and capital market expectations.
Instructions: Your assigned group members can be viewed in the file that is titled Group Members which is located in the Investment Analysis Report section under the Content tab in D2L. Each group is required to submit one copy of their Investment Analysis Report, a ten to fifteen page written report, to the Investment Analysis Report folder within Assessments and Assignments section in D2L by midnight on Friday, April 19th. You will use the course files located in the Investment Analysis Report section under the Content tab in D2L as well as the required course textbooks, Finra.org, and other resources posted in D2L to complete this assignment. Additional guidance will be provided during office hours and in scheduled meetings outside of normal office hours. Please email me if you would like to schedule a time to meet outside of normal office hours. Your report should include tables and graphs from Microsoft Excel, Value Line and Steele reports, and other sources that best highlight your analysis and support your investment analysis and recommendations. Your investment analysis report should address each of the sections listed below.
1. Purpose and Background – This section should include a statement outlining the purpose of your proposed investment policy and analysis, a summary of your investment philosophy, and investments and activities that are ordinarily excluded.
2. Client Description and Goals – This section should include a preface, context, client information, managed or relevant assets, investment related goals, and scope of advisement.
3. Investment Policy Assumptions – This section should include client related assumptions and capital market assumptions. Client related assumptions include tax rates, expected retirement age, life expectancy, estimated annual growth in salary, Social Security income, and behavioral biases relevant to the client. Capital market expectations include expected investment returns, standard deviation, co
elation, and inflation.
4. Investment Objectives – This section should include capital needs analysis, return objectives, and risk objectives. Capital needs analysis is the math supporting your estimate of the client’s required investment return. Return objectives include the required return and the desired return. Risk objectives include risk tolerance and risk capacity.
5. Investment Constraints – This section should include an overview of constraints relevant to the client in any of the following areas: liquidity needs, legal and regulatory considerations, tax considerations, time horizon, and unique circumstances.
6. Analysis of Cu
ent Investments – This section should include a purpose for both your individual investment analysis and your pooled investment analysis, an overview of the cu
ent asset allocation in both tabular and pie chart format, your analysis of the client’s cu
ent pooled investment holdings, and your analysis of the client’s cu
ent individual investment holdings.
7. Recommended Asset Allocation – This section should include your recommended asset allocation in both tabular and pie chart format, and your rebalancing parameters.
8. Recommended Investments - This section should include your recommended investment or investments within each of your recommended asset classes, rationale in support of your recommended investments, and a summary of improvements (e.g., tax efficiency, lower expenses, a reduction in volatility) that you expect to be realized with the recommended investments.
9. Implementation, Monitoring, and Review – This section should include duties and responsibilities, performance measurements, performance evaluation and benchmarks, a summary of your process for hiring, firing, and monitoring managers, your rebalancing process, and a summary of your review process.
10. Disclaimer and Approval Signatures – This section should include your disclaimer statement and a part for approval and acceptance signatures.

        Investment Analysis Report Ru
ic
    
    Exceptional (100%)
    Proficient (85%)
    Basic (70%)
    Developing (55%)
    Unacceptable (0%)
    Points Earned
    Key Concepts and Terminology
    Complete and accurate use and description of key investment concepts and terminology. All concepts and terminology are relevant to conclusions and recommendations. Neat and organized.
    Accurate use, description, and relevancy of key investment concepts and terminology. Minor omissions of some key investment concepts and terminology.
    Minor omissions and e
ors regarding the use, description, and/or relevancy of key investment concepts and terminology to conclusions and recommendations.
    Material omissions and/or significant e
ors regarding the use, description, and/or relevancy of key investment concepts and terminology to conclusions and recommendations. Unorganized and sloppy.
    Egregious e
ors and/or omissions that render the use and description of key investment concepts and terminology useless in relation to the objective of sound investment recommendations.
    
    Analysis and Evaluation
    Complete and accurate analysis and evaluation that fully supports all conclusions and recommendations. Neat and organized.
    Evaluation and analysis are accurate and support conclusions and recommendations. Minor omissions of some required analysis and evaluation.
    Analysis and evaluation have some minor omissions, minor e
ors, and/or do not fully support conclusions and recommendations.
    Analysis and evaluation have material omissions, material e
ors, and/or do not fully support conclusions and recommendations. Unorganized and sloppy.
    Egregious e
ors and/or omissions that render the analysis and evaluation useless.
    
    Diagrams and Visuals
    Relevant, accurate, and co
ectly labelled diagrams and visuals are included with full explanation.
    Relevant, accurate, and co
ectly labelled diagrams and visuals are included with partial explanation.
    Relevant diagrams and visuals are included with minor e
ors in accuracy. Explanations are limited and/or contain minor e
ors.
    Diagrams, visuals, and associated explanations have material omissions and/or material e
ors. Unorganized and sloppy.
    Egregious e
ors and/or omissions that render the diagrams, visuals, and associated explanations useless.
    
    Use of Tools, Techniques, and Theories
    Accurate use and understanding of relevant theoretical concepts and investment analysis methods. Neat, organized, and fully explained.
    Relevant theoretical concepts and investment analysis methods used with partial explanation.
    Relevant theoretical concepts and investment analysis methods used with minor e
ors in accuracy. Explanations are limited and/or contain minor e
ors.
    Theoretical concepts and investment analysis methods have material omissions and/or material e
ors. Unorganized and sloppy.
    Egregious e
ors and/or omissions that render the theoretical concepts and investment analysis methods useless.
    
    Conclusions and Recommendations
    All conclusions and recommendations are appropriate for the client, consistent with the assumptions, and substantiated by the evidence and analysis in the report. Neat, organized, and fully explained.
    Conclusions and recommendations are appropriate for the client, consistent with the assumptions, and mostly substantiated by the evidence and analysis in the report. Explanations are limited.
    Explanations are limited and there are minor e
ors in the conclusions and recommendations as it pertains to appropriateness for the client as well as consistency with assumptions and evidence provided.
    Explanations are limited and there are material e
ors and/or omissions in the conclusions and recommendations as it pertains to appropriateness for the client as well as consistency with assumptions and evidence provided.
    Egregious e
ors and/or omissions that render the conclusions and recommendations useless.
    

Investment
Analysis Report
    Client’s Name: Mindy Hampton
INVESTMENT ANALYSIS REPORT
Parties: This investment analysis report (“IAR”) is provided by 2MD Investments, LLP (“2MD”) and its advisors to Mindy Hampton (“the client”) on April 19, 2024.
1. PURPOSE AND BACKGROUND
This section outlines the purpose of this IAR as well as 2MD’s core investment-related beliefs and principles that guide this IAR and the investment process.
PURPOSE OF INVESTMENT ANALYSIS AND POLICY
General Purpose of the Investment Analysis Report
The purpose of this IAR is to communicate a clear understanding of 2MD’s foundational investment philosophies, principles, and our investment analysis that serve as the framework and guide our investment decisions and recommendations pertaining to the investments that are being managed by 2MD. The design, implementation, and monitoring of this IAR serve as the cornerstone, i.e., are the central focus, of the asset management process. 2MD believes that consistently following the philosophies and guidelines in this IAR will minimize the detrimental impact of emotions and lead to sound investment decisions that generate superior long-term investment results. A more detailed and separate overview of investment policy and
Answered 1 days After Apr 18, 2024

Solution

Sandeep answered on Apr 20 2024
7 Votes
Investment
Analysis Report
Client’s Name: Mindy Hampton
INVESTMENT ANALYSIS REPORT
Parties: This investment analysis report (“IAR”) is provided by 2MD Investments, LLP (“2MD”) and its advisors to Mindy Hampton (“the client”) on April 19, 2024.
5. INVESTMENT CONSTRAINTS
This section outlines the investment constraints that must be considered when making investment decisions on behalf of the client.
When crafting an investment strategy, it is important to consider the specific constraints that may impact the client's portfolio and its performance. These constraints guide the selection of investments and the management of the portfolio to align with the client's personal preferences, financial situation, and long-term objectives. The following are common investment constraints that we take into account:
Liquidity Needs:
The client's need for readily accessible funds for short-term expenses or emergencies can affect the choice of investments. We aim to maintain an appropriate level of cash or cash equivalents in the portfolio to accommodate these liquidity requirements.
Time Horizon:
The length of time the client plans to keep the money invested influences the risk profile of the portfolio. Longer time horizons typically allow for a greater emphasis on growth-oriented investments, while shorter horizons may favor more conservative assets.
Tax Considerations:
The client's tax situation can affect investment choices, particularly regarding the location of investments (taxable vs. tax-advantaged accounts) and the selection of tax-efficient securities. We strive to minimize the tax impact on the portfolio while maximizing after-tax returns.
Legal and Regulatory Constraints:
Any legal or regulatory restrictions, such as those related to retirement accounts, must be considered when making investment decisions. We ensure the client's portfolio remains compliant with applicable laws and regulations.
Unique Circumstances and Preferences:
The client may have specific investment preferences or restrictions, such as ethical or socially responsible investing (SRI), that dictate certain types of investments to include or exclude from the portfolio. We take these preferences into account to ensure the portfolio aligns with the client's values.
Risk Tolerance:
The client’s willingness and ability to withstand fluctuations in portfolio value can limit the level of risk we can take on. We aim to construct a portfolio that aligns with the client's risk tolerance, balancing the potential for returns with the acceptable level of risk.
These constraints play a crucial role in shaping the client's investment strategy. By addressing these considerations, we create a tailored approach that seeks to achieve the client's financial objectives while respecting their specific limitations and requirements.
6. ANALYSIS OF CURRENT INVESTMENTS
This section outlines the purpose behind investment analysis pertaining to both pooled and individual investments, provides an overview of the client’s cu
ent asset allocation, and outlines the investment analysis and conclusions pertaining to the client’s pooled and individual investment holdings.
Purpose of Individual Investment Analysis:
The purpose of analyzing individual investments—such as individual stocks, bonds, or other securities—is to assess their performance and risk within the context of the client's portfolio. By examining each security's historical performance, financial health (in the case of equities), and credit rating (in the case of fixed income), we can determine how well they align with the client’s risk tolerance and investment goals. This analysis helps identify underperforming securities, areas for diversification, and potential opportunities for growth within the portfolio.
Purpose of Pooled Investment Analysis:
The analysis of pooled investments—such as mutual funds and exchange-traded funds (ETFs)—is aimed at evaluating the performance, risk, and diversification provided by these collective investment vehicles. By comparing their performance against benchmarks and assessing their expense ratios, asset allocations, and investment strategies, we can determine their effectiveness in meeting the client's investment objectives. Pooled investments can offer diversification and professional management, which are key factors in building a resilient and well-rounded portfolio.
Overview of Cu
ent Asset Allocation:
The overview of the client’s cu
ent asset allocation outlines how the client's investments are distributed across different asset classes, such as equities, fixed income, cash, and alternatives. This distribution reflects the client's financial objectives, risk tolerance, and time horizon. A balanced asset allocation is designed to optimize the trade-off between risk and return, while also providing appropriate diversification. By reviewing the cu
ent allocation, we can identify any over- or under-exposure to certain asset classes and adjust the portfolio accordingly.
Analysis of Cu
ent Pooled Investment Holdings:
Analyzing the client’s cu
ent pooled investment holdings involves evaluating the performance, risk, and expense ratios of mutual funds and ETFs in the portfolio. This analysis includes:
Performance Evaluation: Assessing how the funds have performed relative to their benchmarks and peers over various time frames.
Expense Ratios: Reviewing the cost-efficiency of the funds, as higher expenses can erode returns over time.
Diversification and Asset Allocation: Examining the diversification within each fund and how it aligns with the client's overall asset allocation strategy.
Management and Strategy: Evaluating the fund managers' strategies and their consistency with the fund's stated objectives.
The following attributes are considered indicative of potentially poor investment funds, and therefore we exclude funds with these characteristics from our investable list:
Load Funds: Funds that charge sales fees or commissions, either...
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