As our class move forward, you will be familiar with a lot of concept related with require rate of return, portfolio management and etc. Suppose you have $100,000 in cash, please figure out under the following situations, what particular investment assets you should choose to manage your personal wealth. 1. Your required rate of return is 5% 2. Your required rate of return is 10% 3. Your required rate of return is 15% 4. Your required rate of return is 20% 5. Your required rate of return is 100% 6. Your required rate of return is 200%

Submission requirement:

Individual project part:

The core issue for personal finace is to store your value. You don't want save $100 today (could afford 20 cups of coffees today) but after holding this $100 in cash for 10 years and end up with its value to 1 cup of coffee. You do not want lose your personal wealth value. You want store it in a way which protect your wealth in a reliable way.

As a result, your individual project may only contain 3 parts. You are free to do more if you want.

First, you need to pin down one or several assets. These assets could be anything which you think could bring you benefit or profit. Like, invest in your future education, invest in your children, invest in stock or financial market, real estate market. You could decide your portfolio contains 1 asset, 2 assets or more.

Second, you should explain in words/intuition why you think this investment could bring you potential positive profit or rate of return. Like invest in graduate study for computer science degree. This may help your to find a higher paid job after your graduation.

Third, you get some data from market. Like invest in education example, you got the annual average income is 100k for Software Developement Engineer with a Master degree in CS. Annual Salary will be around $50,000 without a master degree. And then you could define a 10 years horizon, and calculate how large this education investment could increase your future 10 years income. Finally, deliver the estiamted rate of return for your investment in education.