3/30/23, 6:39 PM https://au.waypointoutcomes.com/assessment/34037/preview
https://au.waypointoutcomes.com/assessment/34037/preview 1/4
Description:
Total Possible Score: 30.00
Distinguished - Thoroughly describes the current financial situation at a high level.
Proficient - Describes the current financial situation at a high level. Minor details are missing.
Basic - Minimally describes the current financial situation at a high level. Relevant details are missing.
Below Expectations - Attempts to describe the current financial situation at a high level; however, significant details are missing.
Non-Performance - The description of the current financial situation at a high level is either nonexistent or lacks the components described in the assignment instructions.
Distinguished - Creates at least two clear and accurate personal investment goals that are SMART.
Proficient - Creates at least two personal investment goals that are SMART. Minor details are slightly unclear or inaccurate.
Basic – Creates at least one personal investment goal that is SMART. Relevant details are unclear and/or inaccurate.
Below Expectations - Attempts to create at least one personal investment goal that is SMART; however, significant details are unclear and inaccurate.
Non-Performance - The creation of at least two personal investment goals that are SMART is either nonexistent or lacks the components described in the assignment instructions.
Distinguished - Clearly and accurately identifies at least three major types of investments to invest in aligning with goals.
Proficient - Identifies at least three major types of investments to invest in aligning with goals. Minor details are slightly unclear or inaccurate.
Basic - Vaguely identifies at least three major types of investments to invest in aligning with goals. Minor details are unclear and/or inaccurate.
Below Expectations - Attempts to identify at least three major types of investments to invest in aligning with goals; however, significant details are unclear and inaccurate.
Non-Performance - The identification of at least three major types of investments to invest in aligning with goals is either nonexistent or lacks the components described in the assignment instructions.
Distinguished - Thoroughly explains the rationale for why the three specific investment types were chosen, including how it aligns with SMART goals or how it supports the overall diversification strategy.
Proficient - Explains the rationale for why the three specific investment types were chosen, including how it aligns with SMART goals or how it supports the overall diversification strategy. The explanation is slightly underdeveloped.
Basic - Minimally explains the rationale for why the three specific investment types were chosen, including how it aligns with SMART goals or how it supports the overall diversification strategy. The explanation is underdeveloped.
Below Expectations - Attempts to explain the rationale for why the three specific investment types were chosen, including how it aligns with SMART goals or how it supports the overall diversification strategy; however, the explanation is significantly underdeveloped.
Non-Performance - The explanation of the rationale for why the three specific investment types were chosen, including how it aligns with SMART goals or how it supports the overall diversification strategy is either nonexistent or lacks the components described in the assignment instructions.
BUS405.W4A1.02.2022
Describes the Current Financial Situation at a High Level Total: 2.00
Creates at Least Two Personal Investment Goals That Are Specific, Measurable, Attainable, Realistic and Time-Bound (SMART)
Total: 2.00
Identifies at Least Three Major Types of Investments to Invest in Aligning With Goals
Total: 2.00
Explains the Rationale for Why the Three Specific Investment Types Were Chosen, Including How It Aligns With SMART Goals or How It Supports the Overall Diversification Strategy
Total: 2.00
Explains How to Allocate the $100,000 in the Three Investment Types Total: 2.00
3/30/23, 6:39 PM https://au.waypointoutcomes.com/assessment/34037/preview
https://au.waypointoutcomes.com/assessment/34037/preview 2/4
Distinguished - Thoroughly explains how to allocate the $100,000 in the three investment types.
Proficient - Explains how to allocate the $100,000 in the three investment types. The explanation is slightly underdeveloped.
Basic - Minimally explains how to allocate the $100,000 in the three investment types. The explanation is underdeveloped.
Below Expectations - Attempts to explain how to allocate the $100,000 in the three investment types; however, the explanation is significantly underdeveloped.
Non-Performance - The explanation of how to allocate the $100,000 in the three investment types is either nonexistent or lacks the components described in the assignment instructions.
Distinguished - Includes a clear and accurate graphic illustrating the dollar or percent allocation of investment funds.
Proficient - Includes a graphic illustrating the dollar or percent allocation of investment funds. Minor details are slightly unclear or inaccurate.
Basic - Includes a limited graphic illustrating the dollar or percent allocation of investment funds. Relevant details are unclear and/or inaccurate.
Below Expectations - Attempts include a graphic illustrating the dollar or percent allocation of investment funds; however, significant details are unclear and inaccurate.
Non-Performance - The graphic illustrating the dollar or percent allocation of investment funds is either nonexistent or lacks the components described in the assignment instructions.
Distinguished - Thoroughly discusses the estimated financial return for the investment portfolio to deliver five years from now using data and calculations.
Proficient - Discusses the estimated financial return for the investment portfolio to deliver five years from now using data and calculations. Minor details are missing.
Basic - Minimally discusses the estimated financial return for the investment portfolio to deliver five years from now using data and calculations. Relevant details are missing.
Below Expectations - Attempts to discuss the estimated financial return for the investment portfolio to deliver five years from now using data and calculations; however, significant details are missing.
Non-Performance - The discussion of the estimated financial return for the investment portfolio to deliver five years from now using data and calculations is either nonexistent or lacks the components described in the assignment instructions.
Distinguished - Thoroughly explains two key assumptions used to arrive at the estimated financial return five years from now.
Proficient - Explains two key assumptions used to arrive at the estimated financial return five years from now. The explanation is slightly underdeveloped.
Basic - Minimally explains two key assumptions used to arrive at the estimated financial return five years from now. The explanation is underdeveloped.
Below Expectations - Attempts to explain two key assumptions used to arrive at the estimated financial return five years from now; however, the explanation is significantly underdeveloped.
Non-Performance - The explanation of two key assumptions used to arrive at the estimated financial return five years from now is either nonexistent or lacks the components described in the assignment instructions.
Distinguished - Thoroughly discusses one potential risk to the overall portfolio to achieve a desired return.
Proficient - Discusses one potential risk to the overall portfolio to achieve a desired return. Minor details are missing.
Basic - Minimally discusses one potential risk to the overall portfolio to achieve a desired return. Relevant details are missing.
Below Expectations - Attempts to discuss one potential risk to the overall portfolio to achieve a desired return; however, significant details are missing.
Non-Performance - The discussion of one potential risk to the overall portfolio to achieve a desired return is either nonexistent or lacks the components described in the assignment instructions.
Includes a Graphic Illustrating the Dollar or Percent Allocation of Investment Funds
Total: 2.00
Discusses the Estimated Financial Return for the Investment Portfolio to Deliver Five Years From Now Using Data and Calculations
Total: 2.00
Explains Two Key Assumptions Used to Arrive at the Estimated Financial Return Five Years From Now
Total: 2.00
Discusses One Potential Risk to the Overall Portfolio to Achieve a Desired Return
Total: 2.00
3/30/23, 6:39 PM https://au.waypointoutcomes.com/assessment/34037/preview
https://au.waypointoutcomes.com/assessment/34037/preview 3/4
Distinguished - Thoroughly explains the importance of monitoring a personal investment portfolio on a routine basis.
Proficient - Explains the importance of monitoring a personal investment portfolio on a routine basis. The explanation is slightly underdeveloped.
Basic - Minimally explains the importance of monitoring a personal investment portfolio on a routine basis. The explanation is underdeveloped.
Below Expectations - Attempts to explain the importance of monitoring a personal investment portfolio on a routine basis; however, the explanation is significantly underdeveloped.
Non-Performance - The explanation of the importance of monitoring a personal investment portfolio on a routine basis is either nonexistent or lacks the components described in the assignment instructions.
Distinguished - Displays meticulous comprehension and organization of syntax and mechanics, such as spelling and grammar. Written work contains no errors and is very easy to understand.
Proficient - Displays comprehension and organization of syntax and mechanics, such as spelling and grammar. Written work contains only a few minor errors and is mostly easy to understand.
Basic - Displays basic comprehension of syntax and mechanics, such as spelling and grammar. Written work contains a few errors which may slightly distract the reader.
Below Expectations - Fails to display basic comprehension of syntax or mechanics, such as spelling and grammar. Written work contains major errors which distract the reader.
Non-Performance - The assignment is either nonexistent or lacks the components described in the instructions.
Distinguished - Accurately uses APA formatting consistently throughout the paper, title page, and reference page.
Proficient - Exhibits APA formatting throughout the paper. However, layout contains a few minor errors.
Basic - Exhibits limited knowledge of APA formatting throughout the paper. However, layout does not meet all APA requirements.
Below Expectations - Fails to exhibit basic knowledge of APA formatting. There are frequent errors, making the layout difficult to distinguish as APA.
Non-Performance - The assignment is either nonexistent or lacks the components described in the instructions.
Distinguished - Uses more than the required number of scholarly sources, providing compelling evidence to support ideas. All sources on the reference page are used and cited correctly within the body of the assignment.
Proficient - Uses the required number of scholarly sources to support ideas. All sources on the reference page are used and cited correctly within the body of the assignment.
Basic - Uses less than the required number of sources to support ideas. Some sources may not be scholarly. Most sources on the reference page are used within the body of the assignment. Citations may not be formatted correctly.
Below Expectations - Uses an inadequate number of sources that provide little or no support for ideas. Sources used may not be scholarly. Most sources on the reference page are not used within the body of the assignment. Citations are not formatted correctly.
Non-Performance - The assignment is either nonexistent or lacks the components described in the instructions.
Distinguished - The length of the paper is equivalent to the required number of correctly formatted pages.
Proficient - The length of the paper is nearly equivalent to the required number of correctly formatted pages.
Basic - The length of the paper is equivalent to at least three quarters of the required number of correctly formatted pages.
Below Expectations - The length of the paper is equivalent to at least one half of the required number of correctly formatted pages.
Non-Performance - The assignment is either nonexistent or lacks the components described in the instructions.
Explains the Importance of Monitoring a Personal Investment Portfolio on a Routine Basis
Total: 2.00
Written Communication: Control of Syntax and Mechanics Total: 3.00
Written Communication: APA Formatting Total: 1.00
Written Communication: Resource Requirement Total: 5.00
Written Communication: Page Requirement Total: 1.00
3/30/23, 6:39 PM https://au.waypointoutcomes.com/assessment/34037/preview
https://au.waypointoutcomes.com/assessment/34037/preview 4/4
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1. Should prosecutor's get absolute immunity from civil liability when they are acting as advocates? Should they every have immunity from willful malice behavior? Should judges have immunity? In what circumstances should they be liable? (150-200 words)
2. Read the file attach “Study” executive summary and write a 2 page response paper
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Investment Analysis
Kevin Sessions
University of Arizona Global Campus
BUS 405 Principles of Investments
Mark Stricklett
Mar 20, 2023
Investment Analysis
If I won $100,000 in a lottery, I would be excited at the opportunity to invest it wisely and grow my wealth over time. However, my current financial situation could be more pleasing, and I have a substantial debt that I need to pay off. I am struggling to maintain the interest payments on the debt. My income potential is high and my work stability is certain, long-term financial planning is challenging due to my lack of dollar for dollar accountability utilizing a zero based budget.
In terms of current investments, I do not have any significant investments aside from a traditional 401k and some savings that I accumulated over the past 23 years. A lottery win would provide me with a substantial windfall, and I would like to invest it prudently to help protect my financial future. Considering my current financial status, my top two investing priorities would be to pay off my mortgage and save more for retirement. My mortgage is close to $340,000, so it's a sizable burden that I want to pay off as quickly as possible. The interest I pay on my mortgage would be lowered, and long-term savings would be realized if I used any of my lotto winnings toward paying it off.
In addition, I would like to save more for retirement, as I am only contributing five percent towards a retirement plan, and my future is fairly-certain regarding employment. When the time comes for retirement, I can rest easy knowing I have enough money for my needs. Real estate is one type of investment that I consider as part of my investment plan. Real estate investment has a long history of popularity due to its potential for reliable returns and sustained growth (Waldron, 2018). As someone in my financial condition, I know firsthand the importance of having a stable feeling of security, which can be provided by owning property.
Real estate is a significant investment decision for many reasons. First, it has the potential to bring in a regular stream of cash through rent. Real estate also has a history of steady price increases that can add up to substantial profits over time. Furthermore, real estate ownership can positively impact my tax return through deductions for mortgage interest and property taxes.
In terms of stocks, I would consider investing in, Apple, Amazon, PayPal Holdings, Diageo plc, and EOG Resources Inc. These corporations have proven records of success and are leaders in their respective fields.
Apple Inc. is a multi-trillion-dollar company, making it one of the most valuable companies in the world. The company is well-known in the market for its long tradition of innovation and commitment to producing only the highest quality goods. In addition to a healthy cash flow, the company's balance sheet boasts over $200 billion in reserves.
Amazon is another digital giant that has expanded rapidly in recent times. Its market valuation is almost $1.5 trillion, and the corporation has expanded into many other industries, from e-commerce to cloud computing. In addition, the firm has shown remarkable financial performance, growing its revenues by more than 20% annually on average.
PayPal Holdings is a leading online payment service provider with over $300 billion in market capitalization. The company has shown remarkable financial performance over the years, with annual sales growth of over 20% (ZXhang et al., 2023). Nevertheless, the firm's financial sheet is robust, with over $14 billion in cash reserves.
Diageo plc is a leading producer of alcohol and has a market capitalization of over $110 billion. Guinness, Johnnie Walker, and Smirnoff are just a few well-known brands the corporation owns. The firm has also shown consistent success, with annual sales growth above 5%.
EOG Resources Inc. is an oil production company with over $50 billion in market capitalization. The corporation owns shale oil and gas deposits, among other assets, and has regularly shown strong financial performance. The firm has a proven history of dividend payments, now at a yield of around 2%.
I chose these specific stocks based on available data and company information. These companies have proven reliable throughout time by producing consistently solid financial outcomes. In addition to being at the forefront of their fields, each of these businesses has a significant edge over its rivals.
Furthermore, these stocks have a promising future, with a significant opportunity for growth in their respective industries. Apple Inc. stands to gain from the rising need for wearable technology and the ever-expanding smartphone market. Both Amazon and PayPal Holdings stand to gain from the expansion of online shopping, but Amazon stands to gain more from the change to digital payment methods (Bhandary, 2019). Diageo plc is set to benefit from the intensified demand for premium alcoholics and the increasing popularity of craft beer. EOG Resources Inc. is also set up to profit from the rising demand for oil and gas, especially in developing economies.
Overall, my choices of investment align with my financial goals. Real estate is an excellent way to diversify my portfolio since it offers the possibility of both stable income and long-term gain. To add to the benefits of diversifying my portfolio and lowering my risk, I can make high returns by purchasing these stocks. By paying off my mortgage and saving for retirement, I can ensure that I am on track to achieving my financial goals and securing my future.
According to Smart, S., & Zutter, C. J. (2020)."REITs typically offer investors some income in addition to their appreciation potential." With my future in mind, the accumulation and interest of real estate investment trust (REIT) sound exciting.
References
Bhandary, B. (2019). Amazon Pay: Banking on new thinking diagnosis white paper. Available at SSRN 3413354.
Smart, S., & Zutter, C. J. (2020). Fundamentals of investing (14th ed.). Retrieved from https://platform.virdocs.com.
Waldron, R. (2018). Capitalizing on the State: The political economy of real estate investment trusts and the ‘resolution’ of the crisis. Geoforum, 90, 206-218.
ZXhang, Y. X., Haxo, Y. M., & Mat, Y. X. (2023). PYPL PayPal Holdings Inc. Common Stock (No. Stock Analysis). AC Investment Research.
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