R语言代写|R语言代做|R语言代考
当前位置:以往案例 > >案例r语言投资管理分析Investment Analysis and Portfolio Man
2017-08-20


Investment Analysis and Portfolio Management Case 2

Ada Lam is the founder and sole stockholder of AL Gifts, Co. Ltd., Ada is a recent divorcee and realizes that her finances may need to be revised now that her divorce has been settled. Her former husband, Kelvin, is the father of her two children and the major stockholder of GOOD Manufacturing, Co. Ltd., GOOD Manufacturing has been in business 15 years, is financially stable, and currently has a book value in excess of $380M.  Kelvin has agreed to pay for 50% of their children’s education.


案例r投资管理案例r投资管理
Personal Information

Name

Age

Health

Occupation

Ada Lam

39

Good

President – AL Gifts, Co. Ltd.

Susan Lam

14

Excellent

Student

Candy Lam

9

Excellent

Student

Kelvin Lam

42

Excellent

President – GOOD Manufacturing, Inc.


Ada Lam

STATEMENT OF FINANCIAL POSITION

As at Aug 31, 2018

ASSETS

LIABILITIES

Cash/Cash equivalents

$ 100,000

Credit cards 1

$  260,000

NAV of AL Gifts, Co. Ltd.

576,000

Mortgage 2

8,432,529

Residence (bought 5 yrs ago, 763 sq. ft 3-Bedroom apt)

13,800,000

Auto loan3

423,137

Auto (BMW 325is, bought 1/2 year ago)

530,000

TOTAL LIABILITIES

$ 9,115,666

NET WORTH

$ 5,890,334

TOTAL ASSETS

$15,006,000

TOTAL LIABILITIES

AND NET WORTH

$ 15,006,000


1 Variable rate, currently 35.71% APR.

2 25 years left with P-2.95% (2.05%)

3 2.5 years left with fixed flat rate at 2.15% for 3 years

Ada Lam

PROJECTED MONTHLY CASH FLOW STATEMENT

Current Monthly


CASH INFLOWS

Gross salary

$ 60,000

Child support

25,000

Total

$ 85,000

CASH OUTFLOWS

Savings and investments

$ 0

Mortgage payment (P+I)

35,948

Maintenance and repairs on the home

2,000

Textbook and miscellaneous (2 Kids)

600

Food and supplies

6,500

Utilities (Electricity, water, gas)

3,500

Transportation (gas, oil, repairs)

9,000

Car payment

14,105

Clothing

2,000

Travel and entertainment

3,500

Credit card payments

4,500

Total

$ 81,653

SURPLUS/(DEFICIT) CASH FLOW

$3,347


AL GIFTS, CO.LTD.

BALANCE SHEET

As at March 31, 2018

ASSETS1

LIABILITIES

Cash/Cash equivalents

$ 200,000

Accounts payable

$298,000

Accounts receivable

400,000

Loan2

500,000

Inventory

600,000

TOTAL LIABILITIES

$798,000

Furniture and fixtures, net of depreciation

130,000

STOCKHOLDER EQUITY

$576,000

Prepaid expenses & other

44,000

TOTAL ASSETS

$1,374,000

TOTAL LIABILITIES AND SHAREHOLDER EQUITY

$1,374,000

1 All assets are listed at fair market value (FMV)

2 $2,000 a month payable to Kelvin Lam at 4.8% interest, which is the going market rate on similar loans.


AL GIFTS, CO. LTD

PROJECTED MONTHLY INCOME STATEMENT


TOTAL SALES

$215,000

EXPENSES

Cost of goods sold

$ 75,250

Advertising and promotion

1,500

Depreciation

2,400

Interest on loan

2,000

Insurance – business

250

Rent (300 sq. ft.)

11,000

Salaries (1part time staff & herself)

68,500

Supplies and miscellaneous

3,500

Utilities

1,200

(165,600)

NET INCOME

49,400


Ms. Lam’s investment objective is to ensure financial security for herself, her business & her children. She plans to send her children to Australia for 5 years (last 2 year of high school and 3 years university) to receive western education.


Ms. Lam wants to pay off the $500,000 loan borrowed from Kelvin (her ex-husband) and be able to save enough funding (approx. $1.5M) to expand her business. She finally would like to retire when she turns 65 years old.

更多 案例R 案例


在线提交订单