Financial Plans

OPEN ACCOUNT

This table represents the short term profit cash flow of a fraction(10%) of deposit. This is completely different from fractionalized banking specifically with the debt base dollar. We use a full reserve mutual credit banking system and take a fraction of the deposit to give to the traders. As your personal or business income increases so does the investment risk level, which would amount to 10% initially of your total personal or business income as a pre-investor.

An investment strategy is a set of rules, behaviors or procedures, designed to guide an investor’s selection of an investment portfolio. Individuals have different profit objectives, and their individual skills make different tactics and strategies appropriate. Most decisions involve a tradeoff between risk and return. Common investors fall somewhere in between, accepting some risk for the expectation of higher returns.

Asset Allo 2
Investment Chart from INVESTOPEDIA
Pre-investor planPassive investor plan  Active investor plan
BONDS: 2.5%BONDS: 2.5%BONDS:
5%
MUTUAL ASSETS: 2.5%MUTUAL ASSETS:
5%
MUTUAL ASSETS:
5%
REAL PROPERTY: 2.5%REAL PROPERTY: 5%REAL PROPERTY: 10%
STOCK: 2.5%STOCKS: 2.5%STOCKS: 10%
WCU WEALTH PLAN

Investor Types:

Pre-Investor

Most of you were not born with a silver spoon in your mouth and a trust fund to match, then you likely began life as most of us do: a pre-investor. A pre-investor is simply someone who isn’t investing. Pre-investors are characterized by minimal financial consciousness or awareness. There’s little thought of investing, and there’s correspondingly little savings or investment to show for that minimal thought.

Active vs PassivePassive strategies like buy and hold and passive indexing are often used to minimize transaction costs. Passive investors don’t believe it is possible to time the market. Active strategies such as momentum trading are an attempt to outperform benchmark indexes. Active investors believe they have the better than average skills.

Conservative plan: Moderate wealth plan:Aggressive wealth plan: 
BONDS: 2%BONDS:
1%
BONDS:
5%
STOCK: 3%STOCKS: 6%STOCKS: 5%
REAL PROPERTY: 3%REAL PROPERTY: 6%REAL PROPERTY: 10%
MUTUAL ASSETS: 2%MUTUAL ASSETS: 2%MUTUAL ASSETS: 10%
WCU TRADER PLAN

Conservative model portfolios generally allocate a large percentage of the total to lower-risk securities such as fixed-income and money market securities. 

The main goal of a conservative portfolio is to protect the principal value of your portfolio. That’s why these models are often referred to as “capital preservation portfolios.”

Asset Allo 3
Investment Chart from INVESTOPEDIA

A moderate portfolio works for the investor who wishes to preserve most of the portfolio’s total value but is willing to take on some risk for inflation protection. A known strategy within this risk level is called “current income.” With this strategy, you choose securities that pay a high level of dividends or coupon payments. The Aggressive form of the moderate model portfolios are often referred to as balanced portfolios since the asset composition is divided almost equally between fixed-income securities and equities. The balance is between growth and income. Since moderately aggressive portfolios have a higher level of risk than conservative portfolios, this strategy is best for investors with a longer time horizon (generally more than five years) and a medium level of risk tolerance.

Aggressive Portfolio
Investment Chart from INVESTOPEDIA

Aggressive portfolios consist of equities, so their value can fluctuate widely from day-to-day. If you have an aggressive portfolio, your main goal is to achieve long-term growth of capital. The strategy of an aggressive portfolio is often called a “capital growth” strategy. To provide diversification, investors with aggressive portfolios usually add some fixed-income securities.

Family Wealth plan Private Treasury Management Plan 
BONDS:
10%
BONDS:
10%
STOCK:
10%
STOCKS:
10%
REAL PROPERTY: 5%REAL
PROPERTY:
10%
MUTUAL ASSETS:
5%
MUTUAL
ASSETS:
10%
WCU PRIVATE PLAN

INVESTOR RELATIONS

OPEN ACCOUNT

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