Oптимизиране на съотношението между доходност и риск при структуриране на инвестиционен портфейл от договорни фондове на банковите клиенти
Optimizing the Ratio Between Profitability and Risk Instructuring of the Investment Portfolio of Mutual Funds for Clients of the Bank

Author(s): Gergana Petrova
Subject(s): Economy, Business Economy / Management, Financial Markets
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: investment portfolio; diversification; optimization; profitability; consumers
Summary/Abstract: Development of the economy market in Bulgaria, more of customers are becoming interested in investment strategies in order to preserve the value of money, ensure profitability and “jump” inflation. The last 20 years, apart from the term “consumption” and management of consumption, the concept of investment and “investing” is also discussed. Investing as a form of consumption of various assets from professional and lay investors, implies the formation of strategy of action with a goal achieving optimal and cost – effective results in the shorter long term. Like any actions where large amounts of monetary units are spent, investing in any asset should be well thought out and financially sound. The subject of the report will be the contractual funds as a fundamental unit of the investment portfolio in a banking environment. Based on a comparative analysis of the contractual fund offered by the Bulgarian banking institutions, due to their significant number, it would be difficult for each of the clients to create a “basket” of funds that complement each other and neutralize market, currency, institutional risk and the risk of loss of investment value. The aim of report will be to bring out the benefits and advantages for the bank client in constructing an investment portfolio of contract funds to multiply the possibility of profitability and to diversify the risk of potential losses. Conclusions will be drawn that are specific and geographically limited to the territory of the Republic of Bulgaria, given the peculiarities of the folk psychology of consumers and the characteristic political and economic realities.

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