Step 1 Investment Objectives and Constraints For Sajid

Return

Generate a return sufficient to meet personal expenses, purchase a car, laptop, cell phone, meet marriage e expenses, and a secured investment.

Objectives Risk

Ability: Due to long term investment, with no liquidity needs, and desired to secure investment sajid has below average risk tolerance. Willingness: sajid statements indicate an below-average willingness to tolerate risk. Because he has already seen some business failures regarding the family business Overall: below-average risk tolerance. sajids statement about not losing money would ordinarily indicate a below-average willingness to take risk. Taken into context with his other statements, however, this statement does appear to be an indication of his less risk tolerance.

Step 2 The first constraint is the time horizon. Sajid want to invest only for the five years till his marriage.

Time Horizon

University Fee Constraints Charity

Sajid have to pay the final years fee from his inherited money. Sajid has to give some amount in charity at the end of each month.

The Sajids wealth is the result of a recent inheritance and he Unique Circumstances has no investment experience.