Portfolio Construction - Cynthia Andrews - Cynthia - Expert Financial Advice - Assessment Answer

 Portfolio Construction - Cynthia Andrews - Cynthia - Expert Financial Advice - Assessment Answer 

Task:

Hypothetical Client Details
Sean and Cynthia Andrews, Australian citizens, are reviewing their financial plans. They have approached your company which preforms market research and provides expert financial advices to clients. Your senior manager assigned your team the task of analyzing the current circumstances and future plans of Andrews and to come up with an asset allocation that fulfils their return and risk objectives. You have had a series of interviews with Sean and Cynthia and collected the following information:

Current circumstances:

• Sean is 55 years old while Cynthia is 50 years old. They are fulltime employees.
• They earn a combined after-tax salary of $125,000 per annum.
• Their annual living expenses amount to $50,000.
• Their house mortgage has only been paid off partly. They estimate that they have to pay $25,000 per annum, on average, on their house mortgage during the remaining life of the mortgage, which is 10 years.
• They have two children who live with them at present. Their son starts tertiary studies next year while their daughter is expected to start her tertiary education in 5 years. Andrews has agreed to pay their tuition fees that cost about $15,000 per annum. This commitment will last over the next 10 years.
• Inflation is expected to be 2% per annum. As both income and expenses are affected by inflation, they expect little change in either their incomes or expenses on an inflation-adjusted basis.
• The Andrews have been managing their own superannuation portfolio. The portfolio is now worth $350,000. The asset allocation of their superannuation portfolio, which followed a strategic\ approach, has been 40% in Australian equities (ASX200), 20% in US equities (S&P 500), 20% in Australian real estate (REITs) and 20% in US fixed income securities (US 10-year Government Bonds).
• They keep $25,000 in a savings account for emergency purposes.

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