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Money, Banking and Investing in an Uncertain
Economy for Tribal Leaders and Enterprise
Board Members




Do you know how to select an investment for your tribal organization? To develop an investment policy statement and direct your investments strategy? Learn how to use this information to support your critical financial decisions during these uncertain economic times.

Managing tribal assets in our current economic times is challenging tribal leaders to take a hard look at all investment strategies while making tough decisions with the financial resources of the tribe. With a seemingly endless array of options, where are you to begin? How much money should be left in the bank? What risks are associated with investment? What investment options are available?

This informative two-day program will alleviate frustration and confusion experienced when reviewing proposals from investment advisors and money managers. You will become and comfortable with the unique language of the investment world. You will learn what questions to ask prospective advisors, how they are compensated and how much you are paying for your investment portfolio. You will gain a solid understanding of the financial markets including the basics of stocks, bonds, mutual funds the risks that are involved with each and how do you keep these risks under control.

Help ensure your tribe’s economic prosperity—register today.

*Instructor subject to change
T O P I C S   I N C L U D E
Building Your In-House Team
  • Tribal council
  • Investment committee
  • Internal compliance
Assessing Goals and Setting Objectives
  • Meeting immediate financial needs
  • Expanding tribal services
  • Funding for emergencies
  • Funding for routine projects
Investment Philosophy and Objectives
  • Why have an investment philosophy
  • Creating investment objectives
  • Risks to consider
  • Safety first
Blending Risk, Return and Liquidity
  • Cash
  • Liquidity
  • Tribal economic development
  • Self determination funds
  • Requirements for investing federal/tribal funds
Cash Flow Forecasting
  • What is cash flow forecasting?
  • Development Process
  • Updating the forecast
Internal Controls
  • What are internal controls?
  • Putting controls in place to safeguard tribal investments
Key Investments
  • What is an investment?
  • Types of money that can be invested
  • Time value of money
  • Your tribe’s attitude towards risk
  • Getting past the Wall Street hype
Managing Risk
  • Credit risk
  • Liquidity risk
  • Inflation risk
  • Fraud and transaction risk
  • Operating policies that reduce risk
  • Short-term and long-term risk
  • Scheduling maturities
  • Access to credit
Types of Investments
  • Bank CDs and repurchase agreements
  • Treasury bills, notes and bonds
  • Savings and money market funds
  • Bonds, individual and mutual funds
  • Equities (stocks) domestic individual and mutual funds:
    • Large cap
    • Mid cap
    • Small cap
  • International bonds and equities
  • Alternative investments:
    • REITS
    • Commodities
    • Hedge funds
    • Private placements
  • Avoiding “bad” investments
Investment Process
  • Define investment goal
  • Analyze:
    • Liquidity
    • Time horizon
    • Risk
  • Implement
  • Monitor (benchmark)
Investment Policy Statement (IPS)
  • Why have a written IPS
  • How many should you have?
  • Key elements of an IPD
Investment Reporting
  • The importance of reporting
  • How often and who prepares and delivers the report
  • What should be included on the report?
  • Who should receive the report?
Selecting Professional Help
  • Determine the help your tribe needs:
    • Accountants
    • Bankers
    • Investment professionals
  • Steps in selecting each of these professionals
  • What is their business structure:
    • Brokerage
    • Registered Investment Advisor (RIA)
    • What is the difference?
    • How are they compensated?
Using Banks
  • Core and ancillary services
  • FDIC
  • Fees and charges – what should you pay
  • Technology services provided:
    • Direct deposit
    • Check writing
    • Electronic transfer
    • On-line banking
    • ATM
    • Wire transfers
  • Sweep accounts
  • Negotiating with banks
Investment Advisors
  • Discretionary vs. non-discretionary
  • Elements of an investment advisory agreement
  • Benefits and risks of using an advisor
  • Steps for selecting an advisor:
    • Request for Proposal (RFP)
    • Interview
  • Value added services
  • Monitor and evaluate

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