24 Hours with Michal Žofaj, CFA

11:30 , 19 Comments


Employer and position: Portfolio Manager at ČSOB Asset Management, a.s.

Professional Credo: „ Consult not your fears but your hopes and your dreams. Think not about your frustrations, but about your unfilled potential.Concern yourself not with what you tried and failed in, but with what it is still possible for you to do. "
Pope John XXIII



8:00 - 11:00
My working day programme does not usually have a firm schedule. I wake up around 7 a.m. or even earlier when I go to the gym in the morning. I usually come to the office between 8 and 9 a.m. As soon as I get to work, I immediately check my e-mails, the breaking news from the overseas markets, and I also update the portfolios that are under my management. According to the cash flow needs of each portfolio, I perform necessary trades and adjustments. At this time, I also have to attend a lot of irregular meetings or tele-conferences with the KBC group, which we are part of, as well as with our colleagues from other departments if necessary.

11:00 - 14:00
After lunch, I usually check the investment opportunities and discuss them with our investment analysts. I focus on fixed income world, so most of the time I look at various investments, mainly in corporate and government bonds from the EU region. I am also responsible for balanced funds of funds. I have to plan the setting of asset allocation and discuss it with my colleagues in Belgium to cover all the topics on the broad scope of the financial markets.

14:00 - 17:00
In the afternoon, I check and analyse economic data coming from US markets. As a portfolio manager I have to devote 20 percent of my time to sales support. With this in mind, I try to respond to all their questions. Since I am also responsible for the investment point of view of ČSOB insurance company investment strategy, our group client, I also respond to their requests, provide new investment ideas, and execute the necessary investments.

17:00 - 20:00 
I usually leave my office between 5 and 6 p.m. and then to gym. I like playing soccer or floorball, too. I usually finish exercising at 8 p.m. When I get home I spend my free time with my girlfriend or go for a beer with my friends. However, in the evening, I tend to check the current situation in the US markets as they close at 10 p.m. I usually go to bed between 11 p.m. and midnight.

19 comments:

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    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
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    Website: https://cucinafinance.com
    Email: finance@cucinafinance.com
    Tel: +44 (123) 388-5014
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    ReplyDelete
  11. Dear Sir,

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    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
    Description OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)
    2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
    3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

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    Regards,
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    Phone/Whatsapp: +447546769978

    ReplyDelete


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    Age :One (1) years and One (1)

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  14. (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES

    Dear Sir/Ma,

    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days

    I will be glad to share with you our working procedures.

    Name : Scott james

    Email : inquiry.securedfunding@gmail.com
    Skype : Inquiry.securedfunding@gmail.com

    ReplyDelete
  15. I am the sole (direct) Mandate to several genuine providers offering Cash Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures.

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    ReplyDelete
  16. We are able to finance your signatory projects and help you enhance your business plan. Furthermore, our financial instrument can be used for the purchase of goods from any manufacturer irrespective of their location. It can also serve as collateral with any bank in the world to secure loans for your project or to activate credit line to finance your business plan. We have {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed. Email : nat.mandate18@gmail.com Skype : nat.mandate18@gmail.com Regards Nat

    ReplyDelete
  17. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    Dear Sir/Ma,
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : Inquiry.securedfunding@gmail.com

    ReplyDelete
  18. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    Dear Sir/Ma,
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : Inquiry.securedfunding@gmail.com

    ReplyDelete
  19. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    PRICE = 32%+2%
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : inquiry.securedfunding@gmail.com

    ReplyDelete