@Jagdeesh : Even i dont have any samples.. looking for it not getting any proper sample to study.
If you get some pls do share.
Here we go found one in previous post.
An elderly woman who has received 15 lakhs and want to invest the same . The a list of investment options are given with lock in period , expected return and risk involved. we have to analyse her situation and then suggest an investment plan which will maximize her return and minimize risk.
Investment alternative Return Number of years Risk
--------------------------------------------------------------------
Government securities 6% 15 1
Company deposits 15% 3 3
Equity shares 20% 6 7
Time deposits 10% 3 2
NSC 12% 6 1
Real estate 25% 10 2
First of all thanks Rahul for coming up with topic.
Starting for the discussion...
Since here is an elderly women who is to invest, so we should consider an option with less no of years on highest priority and Risk involved on 2nd priority.
After analysing these 2 things we can choose the option with more return abiding with the other two constraints.
Hi , very nicely explained by VishSS.
Can we start discussing more topics....like what were the GD topics asked and what kind of case studies are given.
Also if anyone can tell what kind of PI questions are asked.
I am already an MBA from reputed institute and is working as wealth manager....i want to change my domain to risk management....so what kind of questions can be expected....
Here we go found one in previous post.
An elderly woman who has received 15 lakhs and want to invest the same . The a list of investment options are given with lock in period , expected return and risk involved. we have to analyse her situation and then suggest an investment plan which will maximize her return and minimize risk.
Investment alternative Return Number of years Risk
--------------------------------------------------------------------
Government securities 6% 15 1
Company deposits 15% 3 3
Equity shares 20% 6 7
Time deposits 10% 3 2
NSC 12% 6 1
Real estate 25% 10 2
This topic was there last time and i was looking fr the exact wordings...grt initiative...Nw my take
As we hv to maximise the return and minimise the risk considering her age so I would suggest her time deposits as it has a lock in period of just 3 yrs and gives a healthy 10% return...though the risk is 2, still it would be a better option fr her considering the returns and time...
Minimising the risk doesn't mean we choose the risk 1 cateogary only...we need to balance between the returns-time and the lock in time...
Common puys with ur views
hey aayush when is ur interview? mine is on 3 feb in hyd.
Jst had a talk with the Branch Manager of ICICI bank abt the credibility of the course...he passed out frm the Manipal branch(where ICICI conducts 1 yr course) and joined as Asst Manager(AM)..then rose up...he had all the praises fr this course & told this is a golden opportunity which we shld nt miss...the M-2 managers work in the regional Head offices and their CTC is indeed in the 12-15L range
so puys tighten ur seat belts further & give this ur best shot...
ATB to everyone(including me)
Hi ayush,
I accede to your point... However my take is as follows
Our aim is to maximise the return and minimise the risk considering her age... So keeping this in point, we can eliminate few plans easily which reduces the list to
Company deposits 15% 3 3
Time deposits 10% 3 2
NSC 12% 6 1
Since everything is relative in the above list ... I feel the executive should show the above 3 plans list saying these plans are feasible to her, and leave the decision of shortlisting one plan from the above three.. Because if the woman is interested in higher investment and is ready to take certain amount of risk then Company Deposits would be a best choice. But If she is not ready to take any amount of risk and need higher return then either Time deposits or NSC would be a good choice...
Wat say puys !!! Pls share your views too
Hi ayush,
I accede to your point... However my take is as follows
Our aim is to maximise the return and minimise the risk considering her age... So keeping this in point, we can eliminate few plans easily which reduces the list to
Company deposits 15% 3 3
Time deposits 10% 3 2
NSC 12% 6 1
Since everything is relative in the above list ... I feel the executive should show the above 3 plans list saying these plans are feasible to her, and leave the decision of shortlisting one plan from the above three.. Because if the woman is interested in higher investment and is ready to take certain amount of risk then Company Deposits would be a best choice. But If she is not ready to take any amount of risk and need higher return then either Time deposits or NSC would be a good choice...
Wat say puys !!! Pls share your views too
agreed...bt if u read the situation carefully, it says that we hv to suggest her the best suitable plan...so everyone plz puys put in ur take on the correct choice
Same with me, no attachment only generic info
guys who all got selected from hyd pls share ur info in the excel format attached.. as the GD for hyd location starts from 2 feb.. we can have a headcount for now as to hw many are appearing for GD/PI.. so that we can estimate the competition in our location...
Anyone from Pune !!!!!
why did everyone stop responding to the thread?
mba85pag Sayswhy did everyone stop responding to the thread?
Mine on 3rd feb hyd .. 8.30am urs?
hey rascala mine is too on 3 feb at 8.30.. call me at 9160522253..
its given that
Government securities 6% 15 1
Company deposits 15% 3 3
Equity shares 20% 6 7
Time deposits 10% 3 2
NSC 12% 6 1
Real estate 25% 10 2
Since the woman is elderly, assuming she ages 55-60 and average life expectancy of 70, i think she needs maximum returns over 10 years.
So, the government secs and Real estate can be locked out as they have a higher lockin periods.
Let her invest a,b,c,d amounts in company depsoits,equity, TD's and NSC.
Now, equity shares can be ignored as return of 20% in 7 years is less than 15% return in 3 years (twice).
Hence b= 0,
Now we need to maximise the money(she has) X = re(a)+ re(c) +re(d)
Looking at 10 year invetsment plan, I suggest going keep 2/3rds of money in TD and 1/3 in companu deposits. ==> d =0
I will not suggest NSC because of inflation. Even considering an average of inflation of 6% (which is normal) , the money value kept in NSC actually goes down over the number of years.
hey, very good analysis... i really liked ur break ups.. 2/3rd in TD and 1/3rd in CD...
Hey, Do v have to bring work exp certificate on the day of gd??
Anyone from Mumbai???
we do not have to bring the exp certificates for GD... once selected for the program.. we might have to submit them to ICICI..
any more topics for GD's guys?
one more topic from my end:
How do u eradicate corruption from india..
this was asked last time..