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Describe an investment portfolio

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Reference no: EM133035805

With three dependent children, the Brocks are assessing their life insurance. Pam has $5,000 of coverage. Josh has life insurance coverage equal to approximately eight times his annual salary.

With approximately 20 years until retirement, Pam and Josh Brock want to establish a more aggressive investment program to accumulate funds for their long-term financial needs. Josh does have a retirement program at work. This money, about $110,000, is invested in various conservative mutual funds. Since Pam has been working sporadically over this time frame, she does not have a formal retirement fund.

The Brocks established their own investment program about four years ago, and today they have about $36,000 invested in conservative stocks and mutual funds. In addition to their investment program, the Brocks have accumulated $11,000 to help pay for the children's college educations. Also, they have $5,000 tucked away in a savings account that serves as the family's emergency fund. Finally, both will qualify for Social Security when they reach retirement age.

1.)  Describe an investment portfolio (asset types, allocation, risk-return) that you would recommend for the Brocks. Assuming a portfolio of 100%, how would you break out the investments by their weight (as a percentage)?

Use the Reference below to pull information from

Kapoor, J. R. (2021). Focus on Personal Finance (7th Edition). McGraw-Hill Higher Education (US)

Life Situation

Financial Data

 

Pam, 43
Josh, 45
3 Children, ages 16, 14 and 11

Monthly income

$4,900

Living expenses

$4,450

Assets

$262,700

Liabilities

$84,600

Emergency Fund

$5,000

Reference no: EM133035805

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