ASSET ALLOCATION STRATEGY, EDUCATION INVESTMENT PLAN, AND PENSION PREPARATION OF MR. HARDI

This research is a study on High Net Worth Individual where HNWIs then as the research object (Client). The main issues in this research are strategy to raise wealth, allocating assets based on client�s profile, education and pension preparation. Client is Mr. Hardi who has a wife and two daughters. In current condition client invest in less profitable assets, and most of his assets are fixed assets which means it takes time to transfer it into cash with this reason client needs to rebalancing of assets in order to find assets that have a high return with a risk that can be accept by client�s risk profile. Client needs to make an education preparation for his two daughters, he also needs a pension preparation because he will keep his current lifestyle. Evaluation and analysis is based on family financial data and client risk tolerance. From these data it will be proposed two scenarios, then describe it into balance sheet and cash flow