• Mary has a $27,500 share portfolio inherited from her mother.3 years ago. The portfolio is now valued at $28,300. Cause of the negligible capital gain. I suggest Mary to change this portfolio; she can sell some low return shares and to buy some high growth shares or blue chip companies shares like google. That would increase return of her portfolio and risk as well. She can also buy some defensive shares to protect lost of others shares. An alternative strategy for Mary is she can put the money on the managed fund that has professional skills to manage the fund for you, but aware the high fees for the entry or the ongoing.
• They also have two other “bad” debts which are their personal loans for her car and his utility, An efficient way to improve the financial situation gets rid of credit card debt and personal debt. they should repay the personal loans and credit cards as soon as possible,