Edward Jones Instructional Design meeting

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A study found that people's minds wander an average of 15-20% of the time, even when reading. The study had students record their thoughts at random times throughout the day. A mutual fund is an investment company that collects money from shareholders to purchase a portfolio of securities like stocks and bonds. Shareholders own shares of the fund and can make or lose money from rises and falls in the value of the securities held by the fund. There are three main types of mutual funds - stock funds that invest in company shares, bond funds that invest in bonds, and money market funds that invest in short-term securities.

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CHAPTER OVERVIEW This chapter describes mutual funds as an investment alternative. We begin our discussion by considering why investors purchase mutual funds. Then, we examine the characteristics of closed-end, exchange-traded, and open-end mutual funds. The differences between load funds and no-load funds are explained. We also explore the different fees associated with fund investments. We describe the major categories of mutual funds in terms of the types of securities they invest in. Finally, methods that can be used to evaluate mutual fund investments and the mechanics of buying and selling mutual fund transactions are presented. LEARNING OBJECTIVES CHAPTER SUMMARY After studying this chapter, students will be able to: Obj. 1 Describe the characteristics of mutual fund investments. The major reasons why investors choose mutual funds are professional management and diversification. Mutual funds are also a convenient way to invest money. There are three types of mutual funds. A closed-end fund is a mutual fund whose shares are issued only when the fund is organized. An exchange-traded fund (ETF) is a fund that invests in the stock and securities contained in a specific stock or securities index. Both closed-end funds and exchange-traded funds are traded on a stock or in the over-the-counter market. An open-end fund is a mutual fund whose shares are sold and redeemed by the investment company at the net asset value (NAV) at the request of investors. Mutual funds are also classified as load and no-load funds. Load funds charge a commission every time an investor purchases shares. No commission is charged to purchase shares in a no-load fund. Mutual funds can also be classified as “A” shares (commission charged when shares are purchased), “B” shares (commissions charged when money is withdrawn during the first five to seven years, and “C” shares (no commission to buy or sell shares, but higher, ongoing 12b-1 fees. Other possible fees include management fees, contingent deferred sales fees, and 12b-1 fees. Together all the different fees are reported as an expense ratio. Obj. 2 Classify mutual funds by investment objective. The major categories of stock mutual funds, in terms of the types of securities in which they invest, are aggressive growth, equity income, global, growth, index, international, large-cap, mid cap, regional, sector, small cap, and socially responsible. There are also bond funds that include high-yield, intermediate corporate, intermediate U.S. government, long-term corporate, long-term U.S. government, municipal, short-term corporate, short-term U.S. government and world. Finally, other funds invest in a mix of different stocks, bonds, and other investment securities that include asset allocation funds, balanced funds, fund of funds, lifecycle, and money-market funds. Today, many investment companies use a family of funds concept, which allows shareholders to switch their investments among funds as different funds o ...

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Chapter 2 Solution s to Study Questions 2-1.The “Regardless of Your Major” box describes two types of retirement plans: defined contribution and defined benefit. The “defined” part of each name means that benefits are specified, or defined; the difference between the two plans is in when those benefits are defined. Defined benefit (DB) plans specify the amounts to be paid in retirement—that is, the benefits the retiree will receive are specified. Thus, the sponsor of the plan promises to make specific payments to the retiree, and then the sponsor accepts the responsibility for investing a pool of assets now (or at least, before the covered person retires) to ensure that those benefits in fact can be paid in the future. Managing pension assets to ensure future payments is complicated, and companies these days prefer to offer defined contribution plans, like 401(k) plans, instead of defined benefit plans. Defined contribution (DC) plans specify the contributions that will be made to the plan (now), not the benefits that will be paid at retirement. It’s a lot easier to specify an amount to be paid today than it is to ensure that one will be made in the future. With defined contribution plans, employees accept the responsibility of investing their funds to ensure adequate resources in retirement, removing that burden from employers. It’s therefore not surprising that employers prefer defined contribution plans, while employees who have defined benefit plans count themselves lucky. ( Titma n / Keown /Martin • Financial Management, Twelfth Edition ) ( 2- 9 ) ( ©201 4 P ear son Edu c a tion, I n c . ) 2-2. The three players who interact in the financial markets are borrowers, savers, and financial intermediaries. Borrowers need money to help finance some specific purpose—a student loan to help pay for college, an auto loan for a car, or a mortgage for a house. Savers have money that they don’t need for consumption today, so they set this money aside to use in the future. Financial intermediaries bring the two together, channeling the savers’ “extra” money to the borrowers for their immediate use. If the borrowers and savers could get together themselves somehow, they could “cut out the middleman” and save the intermediation costs. This might sound good—but is it feasible? Financial intermediaries specialize in evaluating the creditworthiness of borrowers, so they help ensure that savers’ money is channeled to borrowers who will repay. They also allow efficient aggregation of small amounts of individual savings into blocks of loanable funds large enough to be useful to borrowers. lenders $ FINANCIAL INTERMEDIARIES $ borrowers 2-3. As outlined in section 2.2 of the text, a financial intermediary is a firm that collects money from savers, bundles it into attractive sizes with attractive terms, and lends it to borrowers. The principal types of financial intermediaries in the United States are: ...

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The second day of the residency will focus on explaining knowledge on raising long-tern capital from various sources of finance entrepreneurial projects. The financial method is generally tied to the firm’s life cycle. For Example, start-up firms are often financed by angel investor, Venture capital fund, debt or combination of these sources. As firms grow, they may want to “Go Public” and raise funds through an initial public offering. Which is called an IPO. To better understand entrepreneurial finance, evidence of problems and deal with such problems in the face of advancement in technology, you will have the opportunity to: · Look for peer-reviewed article on Crowdfunding, venture capital funds, or angel investments (please exclude articles on debt financial IPO) · Review the article and respond to the following question: 1. What corporate finance problem is the article addressing? 2. What method of study (Qualitative, Quantitative, or mixed study) does the author use to address the problem? 3. what are the significant finding or ideas of the study? 4. What is the conclusion of the study? Does the finding support the conclusion? 5. What are the strength and limitation of the study? 6. Make a proposal for the future research of the topic that needs to be investigated? Everyone will have the opportunity to present in front of the virtual class. The presentation should not be exceed 30 minutes. .

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原版定制【微信:176555708】【伦敦国王学院毕业证（KCL毕业证书）】【微信:176555708】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。【业务选择办理准则】一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信176555708】文凭即可二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信176555708】即可三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。留信网认证的作用: 1:该专业认证可证明留学生真实身份 2:同时对留学生所学专业登记给予评定 3:国家专业人才认证中心颁发入库证书 4:这个认证书并且可以归档倒地方 5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息 6:个人职称评审加20分 7:个人信誉贷款加10分 8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才留信网服务项目： 1、留学生专业人才库服务（留信分析） 2、国（境）学习人员提供就业推荐信服务 3、留学人员区块链存储服务 → 【关于价格问题（保证一手价格）】我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子我给客户的都是第一手的代理价格，因为我想坦诚对待大家不想跟大家在价格方面浪费时间对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！

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