1. WOMEN & INVESTMENT
Sabah Almoayyed

2. Index Challenges Facing Private Sector Portfolio Management
Value Diversification
How to conduct your Business and Investment
Asset Allocation
What is Investment?
What are Funds
Investor Profile Quiz
Factor Definitions
Why Invest?
Selection of Investment Banks
Which of the Following reasons do you need
Conclusion
to save and invest your money?
Collaboration Vs. Competition
Why Women make better Investors?
Consolidation
Women’s Right to Invest
Business Investment
Building Blocks
Ways to Improve Business
Ways to Improve Business Hedging Mechanism
Portfolio Investment
Types of Investment
Keys Steps to Follow

3. Women & Investment Challenges Facing Private Sector
How to be better conduct your Business and Investment

4. A. Challenges Facing Private Sector
COMPETITION Domestic
GLOBALIZATION - Open Market
REGULATIONS Internal & External
MANAGEMENT OF CHANGE - Customer
Employee
Shareholder

5. B. How to conduct your Business and Investment
What is Investment?
Types of Investment
Types of Investors
Why Invest?

6. What is Investment?
Investment differs from savings in that savings are funds or cash put aside for ones daily requirements and use. Investments are funds to be utilized for long term wealth accumulation and future use.

7. Why Invest? To Build Capital To Educate Your Children
To Retire Comfortably
To Protect the Future Purchasing Power of Your Assets

8. Which of the Following reasons do you need to save and invest your money?
Buy a Home
Buy a Car
Fund a Child’s Education
Start a Business
Have a comfortable Retirement
Provide for the long-term care of dependent or elderly parent
BECOME RICH

9. Why Women make Better Investors?
Women’s Right to Invest
Cautious
Conservative
Think Ahead
Family oriented

10. A. Business Investment Building Blocks Market Study
Feasibility Analysis
Financial Analysis
Amount of Investment
Reward Measurement

11. Ways to Improve Business
B. Business Investment
Ways to Improve Business
Debt to Equity Ratio
Balance Sheet Management – Inventory, Debt
Hedging Mechanism
Management Information System
Growth Analysis

12. Ways to Improve Business Hedging Mechanism
Date: 14th Feb Delivery Date: 14th May 2002 Spot Price: 1$ = 110 Yen
Pay Yen
IMPORTER
BAHRAIN
EXPORTER
JAPAN
Car Delivery
Forward Hedging Car Cost
Date Price ______ No Hedging Hedging Hedging Transaction
14th Feb 1$=110 Yen (spot) If importer receives car
value 14th Feb, Then he will
pay $20,000=Yen 2,200,000
14th May 1$=100 Yen Yen 2,200,000=$22, Yen 2,200,000=$20, Buy Yen outright value
14th May at 14th Feb
prevailing price
14th May 1$=120 Yen Yen 2,200,000=$18,333

13. Hedging Mechanism IMPORTER BAHRAIN EXPORTER JAPAN
Date: 14th Feb Delivery Date: 14th May 2002 Spot Price: 1$ = 110 Yen
Pay Yen
IMPORTER
BAHRAIN
EXPORTER
JAPAN
Car Delivery
Foreign Currency Options: Buys Yen 110/ - call option with expiry date 14th May which gives him the right not the obligation to buy Yen at predetermined price.
Date Price
14th May 1$=110 Yen (spot) - Exercise his right to be long the Yen at 110,making 10% profit and save his company 10% on the price of the car.
14th May 1$=120 Yen - Does not exercise his option and can benefit from the favorable exchange rate.
Hence, Importer buys Insurance Policy in the form of Options to ensure company is not exposed to currency fluctuation

14. Cash & Cash Equivalent Fixed Income Real Estate Equity Derivatives
Portfolio Investment
Types of Investment
Cash & Cash Equivalent
Fixed Income
Real Estate
Equity
Derivatives

15. Portfolio Investment Key Steps to Follow
Create a written Financial Plan
Research, Research, Research
Select appropriate Investments
Diversify your Assets
Determine your Investment Time Horizon
Develop a Strategy
Learn the Language
Know the Laws

16. Value of Diversification
Portfolio Management
Value of Diversification
Hypothetical situation: Investors A and B have US$500,000/-
Investor A Scenario:
Invest all US$ 500,000 in Super Savings Account offering 6% p.a for 10 years
Investor B Scenario:
Bets and loses US$ 20,000 on the horses
Wisely invests balance (US$ 480,000) in diversified investment portfolio for 10 years:
US$ 153,600 (32%) in stocks at 12% pa
US$ 153,600 (32%) in stocks at 8% pa
US$ 76,800 (16%) in cash at 4% pa
US$ 96,000 (20%) in alternative investment at 18% pa

17. Value of Diversification
Portfolio Management
Value of Diversification

18. Process of Portfolio Management
(Determine Customer’s Investment Profile)
Objective
Age
Return Requirement
Male/female
Risk Tolerance
Income
Number of Dependents
Constrains
Time Horizon
Liquidity Needs
Tax Constraints
Legal requirements
Unique Needs and Preferences
Other Factors

19. Conservative Balanced (Growth & Income) Growth Aggressive Growth
Portfolio Management
Asset Allocation
Conservative
Balanced (Growth & Income)
Growth
Aggressive Growth

20. Portfolio Management What are Funds?
A Mutual Fund is a company that invest on behalf of individuals and institutions with similar financial goals. Pooling is the key to Mutual Fund Investing.

21. Equities Investment Factor Definitions Market Capitalization
Price/Earning (PE) Ratio
Price Sales Ratio
Relatives Strength
Dividends Yield
Cash Flows

22. Selection of Investment Banks
Portfolio Management
Selection of Investment Banks
Catering to all types of Investors
No exit fee
Wide Range of Complementary Asset Classes
Freedom of Shift & Exchange
One Stop Banking
Excellent Track Record

23. Role of Business Women in Change Management
Conclusion
Role of Business Women in Change Management
‘Out of the Box’
Collaboration Vs. Competition
Consolidation of Business
Strategic Alliances
Merger
Public Floatation
Lead the Market

24. Collaboration vs. Competition
Market Analysis
Information Sharing
Financial Management

25. Consolidation Pooling of Resources Similar Businesses
Diversified Businesses
Formation of Shareholding Continuity
Trading
Property Development
Portfolio Management
Women Bank
To attract Capital
Become a Leading force

26. WOMEN & INVESTMENT
Thank you