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Investment & Life. Investment Option and Strategies. Agenda. Case Study Investment Strategies formulation LZ Products Q&A 401K, Real Estate, investment mistake, and etc. case. Tuition/Living Cost will inflated at 7% annually Current tuition/living cost for BA $ 280,000

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investment life

Investment & Life

Investment Option and Strategies

agenda
Agenda

Case Study

Investment Strategies formulation

LZ Products

Q&A

401K, Real Estate, investment mistake, and etc

slide3
case

Tuition/Living Cost will inflated at 7% annually

Current tuition/living cost for BA $280,000

本剧故事,纯属虚构,如有雷同,实属巧合。

case 1
Case #1

Sean have 5 years boy and smart

Within 15 years, boy will go to Stanford

Sean have $300,000 Budget for his kid Now

Sean already is 60.

case 2
Case #2
  • John and his wife are having their second child. They plan to send their kids to Stanford, but not sure if they will have enough money to do it. Only thing they have is both of John and his wife have jobs, which paid them about $200,000 annually. They are young…
  • John’s family has cost as following:
    • Income tax: $60,000
    • Daily Cost: $24,000
    • Kids Related: $20,000
    • Mortgage: $60,000
    • 401K: $30,000
    • Others: $5,000
case study
Case Study
  • Case #1: (Return Rate)
    • Inflation 7%
    • Sustainable
    • Practical
    • Low risk
  • Case #2: (NPVCash FlowCalculation)
    • Cash Flow/(Rr-Rg) : $1,000/(7%-5%)=$50,000
    • Cash Flow Return Rate >7%
    • Annual Growth Rate >5%
    • With 10% sustainable return: >$91,000
strategic investment
Strategic Investment

Process

Risk

Return

Cash Flow

Example

Summary

Take Away

Top 100 Hedge Fund in the market

strategies formulation process
Strategies Formulation Process
  • StrategicLevel
    • Macro and/or Micro Econ Analysis
    • Market and Scenario Analysis
    • BusinessEvaluation/Operation Assessment
  • Tactic Level
    • Riskand/or Return Analysis
    • Operation Simulation (Crystal Ball/ War Game)
    • Operation Design
    • Financial Lab
    • Demo/Performance Tracking
    • Product finalization
    • Product Promotion
    • Business Operation
slide9
Risk
  • Risk vs. Rich…
  • Symptoms
    • Catching up inflation…
    • Opportunity Cost…
  • Solutions:
    • Investment Size
    • Time Frame
    • Life time event
    • Profit Withdraw
  • Unavoidable even without invest in anything
return
Return

Full Capacity Potential…

Reasonable Return…

Goal Orientated Rate…

Mortgagee Rate…

WSJ Prime Rate…

Libor…

Banking Interest Rate…

Income Tax Rate…

cash flow
Cash Flow

Fluctuation

Wiped out

Balance

Duration

Loss Reserve

Cash I/O

option strategy example
Option Strategy Example

Writing straddle hedging via Long butterfly

Following writing Call/Put Long spread

strategies formula
Strategies Formula

Holding Capacity 1/3 (FC Gain 52%)

Loss Reserve 5% (5 years)

Base Rate WSJ/Libor/Mortgage

Income Rate 20-80

Return Expectation 500 to 1000 Over LIBOR

Total Return 1500 to 2000 BP

summary
Summary

Sustainable

Tri-directional

Affordable

Marketable

Practical

take away
Take Away
  • Target
    • Over 10% gain
    • Sustainable
    • Min Balance below $100,000
    • Min Duration within 5 years
  • Within one market: Mission Impossible
    • Solutions: Combination of Stock, Option, Future, ETF, Index, Commodities, Forex, Real Estate, and etc.
  • General Principle
    • Taking Care of Risk
    • Clear Exit Strategies
top 100 hedging fund
Top 100 Hedging Fund

Top tier: 15%-123%

Average: 5%-20%

Balance: $100,000

Duration: 5 Years

lz capital
LZ Capital

Products

Targeted Customers

products from lz capital
Products From LZ Capital
  • Generic Accounts
    • Flex-D
      • Return Expectation: 6-9% Over Libor
        • Guaranteed Rate: WSJ Prime Rate
        • Plus 20% of Profit Sharing
      • Min Balance: No requirement
      • Min Duration: 1 Year
    • Magic-I
      • Return Expectation: 10-15% Over Libor
        • Base Rate: 30 years Fixed Mortgagee Rate
        • 50% of Gain up to 5% as Loss Reserve
        • 80% of Gain unlimited as Income
      • Min Balance: $25,000
      • Min Duration: 1 Year
  • Customized Accounts
    • CSA(Customized Single Account)
      • Min Balance: $50,000
      • Min Duration: 1 Year
    • CCA (Customized Comprehensive Account)
      • Mortgage (Interest Focus)
      • 401K(Retirement Focus)
      • Brokerage (1 Year Return Focus)
customized single account
Customized Single Account

Following the Email From LZ Capital

It is slave account

You have total control of cash flow

LZ Capital fully control of trading

Account operating regarding to Agreement

Income Tax arrangement

how lz capital fit into your money
How LZ Capital Fit Into Your Money

Looking for sustainable 10%+ gain…

$150,000+ in your 401K…

Accessible Home equity…

Mortgage and other loans…

Extra Cash…

Commitment for a whole year…

slide21
Q & A

Goals vs. Plans…

Strategic vs. tactic mistakes…

Risk vs. Return…

Exiting vs. entering Strategies…

Liquidatability vs. Duration…

Balance vs. Return…

Optimization vs. Opportunities…

NPV method…

Moving evaluation approaches…

Possibility mindset…

Avoidability of the game…

qualification to playing strategies
Qualification to Playing Strategies

Macro Econ

Micro Econ

Tech Analysis

Fundamental Analysis

Derivatives

3 to 5 years trading Experiences

Market Research/Business analytics

Political vs. Econ

personal investment options
Personal Investment Options
  • Highly Liquidable Equity
    • Stock
    • Future
    • ETF
    • Derivative
  • Moderately Liquidable Equity
    • Real Estate
    • Commodity
    • Stamp
    • Wine
    • Liquor
  • Low Liquidable Equity
    • Antique
  • Etc.
real estate market
Real Estate Market
  • It is Commodity, Saving in most, Investment in some degree
  • Natures:
    • Took many years to build up the value
    • Took few years to crash
    • Low liquidation
    • Risk to be leveraged about 5 time
  • Major Function
    • Great saving tool to against inflation
  • Key G/L factors
    • Mortgage Interest Rate
    • Tax Benefits
    • Cash Flowing
    • Transaction Cost
    • Key is Exit rather than Enter
housing recovery roadmap
Housing Recovery Roadmap

Macro/Micro Econ

Job (Unemployment, Available, Job vs. Population)

Housing Trading

New Permit Application (Qualy and Quanti)

New Housing Invent (<5 Month)

Payroll (Quanti and Quali)

Job Distribution

Housing Trading Environment

Loan Requirement (Down payment, Rate, and etc.)

Other Tactical Index…

real estate investment key factor
Real Estate Investment Key Factor
  • Risk
    • Price downside
    • Interest Rate Fluctuation
    • Property tax, management, maintenance, and other costs
  • Return
    • Sustainable Rent Income and/or Saving
    • Tax advantage (Limitation)
    • Cash Flow
      • Leveraging mortgage
      • Net Present Value Measurement
slide37
401K
  • Benefits: ($5,000, $5,000-$8,500)
    • Companies’ Match ($5,000)
    • Tax Benefits (30%-50%)
    • Annual Cap ($15,000)
  • Total Value of 401K % of Benefit % of Active Inv
    • $50,000 20% 33%
    • $100,000 10% 16%
    • $150,000 7% 11%
  • Entering & Exiting
    • Entering biweekly or monthly basis
    • No Exiting Strategies
  • Actable Transactions
    • Take Loan Out ($50,000)
    • Allocate to Money market fund
    • Adjustment of Portfolio (100% of Active Investment)
    • Self direct IRA, IRA Loan, Trust, and etc.
  • Takeaway
    • Market fluctuation before your retirement way over the benefits
    • 10% sustainable return over all scenarios will change the game
    • You must do something
stock and derivatives
Stock and Derivatives
  • Traditional Strategies
    • Buy and Hold
    • Diversification
  • Alternative focus
    • Pricing Pattern
    • Short and Hold
    • Crossing Time
    • Crossing Markets
  • Individual Stocks are typical “击鼓传花GAME”
1 million powerful cash
$1 Million Powerful Cash
  • Real Estate: $300K cash to secure $1M Investment
    • Gain Rate 9% Amount $90K
  • $500,000 401K
    • Gain Rate 11% Amount $55K
  • $200,000 Equity and/or Derivatives
    • Gain Rate 15% Amount $30K
  • Annual income $175,000