1. Personal Investment Options Team #1 Organizers- Eric Tseng Techie- Kevin Curley Summarizers- Juan Cervantes Alex Camerino

2. Analysis Premise How to make the best personal investment to retire with more money, while analyzing the pros and cons of each investment scenario.

3. Parameters  25 years old  $50,000 starting salary  Working over 30 year period  Salary increase of 5% a year  After 15 years moves to $80,000 salary  Invest 10% of salary per year  Inflation rate of 3%

4. Option #1 Savings Bonds and CDs.  Safe, low risk investment  Guaranteed interest rate  Limited flexibility  Easier to predict future value  Not affected by market fluctuations

5. Option# 2 Stocks and Mutual Funds  Higher risks  More flexibility  Interest rate varies  More potential for higher return  Investments hit harder by recession  Dividends paid regularly

6. Option #3 Private Manager and Hedge Funds  Hands off approach  Improved rates of return  Minimal risk with greater investment potential  Require higher principal  Less investment knowledge required

7. Plan of Action  Research current bond and cd values  Research stock market environment  Contact private money managers  Research details of hedge funds  Organize 30 year plan