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Submitted To:
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SUBMITTED BY:?
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Department Of Commerce

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Gujranwala Campus
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 Name
 Address
 Age
 Job
$ Marital status
% Monthly income
& Do you have any children?
a. Yes b. No
' Age of your children?
 What is your percentage of your salary are used in expenditure?
 What is your saving percentage?
 Do you consider that your monthly income is?
a. Tight b.Comfortable

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 Can you invest in the money market?
a. Yes b. No
 Can you invest in the Capital market?
a. Yes b. No
 Do u have any insurance?
a. Yes b. No
?Do you arrange some emergency funds?
a. Yes b. No
$?If the discount rate of the economy is changed then what will you do?
% What events in which you mostly liquidate?
& When market goes down then you sell your risky assets and put in to a safe assets?
a. Agree b.Disagree

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 What is your primary investment objective?
 What is your secondary investment objective?
 If you invest then how much amount does u invest?
 Can you invest in the portfolio to preserve the capital?
a. Yes b. No
$ Can you invest for the appreciation of our capital?
a. Yes b. No
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 Do u invest for?
a. Short term b. Mid term c. Long term

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 Historically what is your longer one¶s time horizon for the investment?
 For how much time do you invest in that portfolio?
 If there are some fluctuations in the economy then you will change our time horizon?

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 Do you want the return of our investment monthly?
a. Yes b. No
 Do you want the return of our investment annually?
a. Yes b. No
 Do you want the net return or which the fluctuate with the market?
 What return do you want?

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 Do you have your own life style assets?
a. Yes b. No
If yes then describe your life style assets?
 Allocate the asset percentage

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 . Mr.Rana Tahir Mehmood
 
 W block Kashmir Road Peoples colony Gujranwala
? + 52
?/ Quality manager and ISO auditor in Anwar Industries GT
road Gujranwala
$ 
 ? Married
%  ?* Rs. 40,000
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a. Yes b. No
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is yes
Four childs
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25 years old son, 23 years old daughter, 21 years old son, 18 years old son
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is 80 percent of total salary is used in expenditure
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is the saving is 20 percent of total salary
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a. Tight b.Comfortable
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is our monthly income is little comfortable to me.

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a. Yes b. No
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is yes because in money market there is less risk the amount which is given by
us to the company is the debt and the 1st claim on the company has investor so it is a safe
investment
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a. Yes b. No
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is Yes because the rate of return on the capital market is more.
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a. Yes b. No
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is the no because he has not enough fund to invest it.
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a. Yes b. No
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is yes because Mr. Tahir does not take any risk and it is the risk averse so that¶s
why he creates some emergency funds.
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Mr. Tahir says that if the discount rate of the economy is changed then he will
liquidate because he does not take any risk.
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Mr. Tahir says that I mostly liquidate in that condition when there is some political or
economical instability.
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a. Agree b.Disagree
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?is agree
Because Mr. Tahir is risk averse because they can¶t face any risk and they want to secure
of our investment in unstable condition.
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is that the primary objective of our investment is the maximum appreciation of
our capital and the security of our investment in the short and long term.
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is that the secondary objective of our investment is the income because he wants
to invest in that portfolio in which he receives the monthly income.
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Our client answered that I invest Rs.5 lakh in that portfolio.
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a. Yes b. No
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is the yes because it is the main objective of our client to invest the amount in
that portfolio.
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a. Yes b. No
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is the no because it is invest for the secure and appreciation of our capital.

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a. Short term b. Mid term c. Long term
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?is that medium term because the age of our client is 52 so that¶s why they invest
medium term and there is need in near future for the marriage of his daughter.
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Mr.Tahir says that I invest in that portfolio for 3 years.
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He says that yes I change our time horizon because he can¶t face any risk in the
investment.

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a. Yes b. No
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is yes
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a. Yes b. No
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is no
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He says that I want the net return because in that return which is fluctuate with the market
there is a chance of uncertainty.
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He says that I want the net 3 percent return monthly because he is currently receiving 1.4
percent from qomi bachat saving account

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a. Yes b. No
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is yes
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And these assets are house, car,bike.
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a? 45% in Equities Shares with diversification strategy with maximum return with
minimum risk
o? 25% in Oil and Gas
o? 30% in Cement sector
o? 25% in Petroleum Marketing Sector
o? 20% in Automobile Sector
a? 45% in Corporate Bonds with the rule of diversification
o? 40% @ 13% p.a.
 o? £0% @ more than 14% p.a.
a? 10% in Government Bonds @ 10% p.a.

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The portfolio seeks to provide High return low risk and secure of our investment in
medium and short time period. And the goals of the investment of my client is the high
return as compare to the others and face the low risk in the fluctuation in the economy.

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Mr. Tahir has a medium time horizon for 3 years because he want liquidity in future for
the marriage of his daughter so that¶s why he choose medium term.

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Asset is liquid if it can be quickly converted into fair market value. Investor may have
liquidity needs, as I tell he need cash in future so that¶s why he its is best portfolio for
him.

62?3: ?
Mr. Arif has significant capital gains (an amount that could push his into the next highest
marginal tax bracket) in his taxable accounts. Tax relate to Mr. Arif capital gain if their
will occur change in capital gain the tax will be change according to policies.
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As the investment of my client is medium term so that¶s why its shows that he avoid risk.
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If the Mr. Tahir liquidate before actual date of an agreement then some limitations or
penalties are impose on the withdrawal of the money.
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Finally, it is essential for all investor-created Investment Policy Statement to contain a

unique circumstances section. This section would detail any investor specific
information. For example they may request that no firms that manufacture or sell
tobacco, alcohol, or environmentally harmful products be included in their portfolio.
And there is a no unique need and preferences of the Mr. Tahir which will influence it to
the liquidate our stocks.
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Every asset class has an associated level of risk and expected return. The amount of
assets you put in each category depends on how much volatility you can tolerate. Mr.
Tahir plans to always have at least 5% in cash, but never more than 10%. He would never
want to have more than 40% of his assets in bonds. And the current percentage of the
stock of Mr. Tahir is 40%.Further; he¶d never want to have less than 20% of his assets in
shares. These limits represent how much risk Mr. Tahir is willing to take with his overall
portfolio.
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Invest the total assets with the above asset allocation module and follow the rule of
diversification to minimize the chances of risk. Try to maintain the rate of return above
from minimum level of 3%. If the share losses it 1.4% of market price, sell it and try to
compensate the loss from other shares or invest in the qomi bachet saving scheme.
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For evaluation, Mr. Tahir will compare the total return of each security to the benchmark
which they set. He'll also ask whether he is able to reach his goals.
Even if your investments fall short of your benchmarks, you may not want to sell them if
they¶re still getting you to your goals.?