Student-centered do-it-yourself Learning Management Systems at the 6th eLearning in Action conference at the Sharjah Higher Colleges of Technology, "an event where teachers, eLearning developers and educational technology specialists from HCT and other educational institutions convene to share, connect, discuss and learn about the best ideas and technologies for eLearning;" see:
At the highest level, this refers to a split between stocks and bonds. Many more finely defined sub-asset allocations are also common.
Ian Ayres and Barry J. This outstanding article covers the same ground as the "Diversification Across Time" paper above, but at a level which is more readable for the layperson.
Randolph Hood, and Gilbert P. This was the paper which revolutionized portfolio construction by emphasizing the importance of asset allocation. It found that, on average, Further, it found that active management resulted in an annual reduction of 1. Singer, and Gilbert P.
Bogle, " The Riddle of Performance Attribution: Much of the advice presented to investors during periods of unusual market activity should be ignored.
It is more important to rebalance the retirement portfolio on the basis of a change in risk aversion, rather than on the conditions in the financial markets. Pragmatic advice on asset allocation. For a smaller file version, see here kb.
This paper studies the relative efficacy of various asset classes as inflation hedges. It finds that treasury bonds are a complete hedge against expected inflation.
It also finds that private residential real estate is a complete hedge against both expected and unexpected inflation. Gibson, " A Timely Reminder: The recent market tumult offers a perfect opportunity to remember the advantages of a diversified, balanced portfolio ," Financial Planning, October An excerpt from Mr.
Another outstanding version of his timeless message, reprinted from its original appearance in this Journal in March This study builds on Reichenstein and Sibley papers below.
Steven Horan, " An alternative approach to after-tax valuations ," Financial Services Review, 16pp. Junkans, and Carmen M. This study reviews and revises the Brinson studies above. This study concludes that strategic asset allocation only explains about In general, we do not agree that most retirees should use such a high stock allocation unless they have a very high willingness and ability to tolerate risk.
Ibbotson and Paul D. An analysis of criticisms of the two "Determinants of Portfolio Performance" papers. Lummer and Mark W. This paper also appeared in Global Asset Allocation: This excellent article puts Monte Carlo simulations into perspective.
Consumers are increasingly being led to believe that use of a Monte Carlo simulator accurately projects the probability of meeting their financial goals. The article correctly exposes this fraud.
The principal problem with them is that the entire analysis depends solely on the validity of the data inputs as predictors of the future. Unfortunately, there is only one thing we know for certain about those inputs, whatever they might be: Good bibliography at the end and good sidebar by John Kingston.Part One: General Marking Principles for Computing Studies Intermediate 1 This information is provided to help you understand the general principles you must apply when marking candidate responses to questions in this Paper.
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