Mortgage-backed securities
i. Choose a research topic from the chapter readings or from the list provided by your professor.
ii. Research/find a minimum at least four (4), preferably five (5) or more, different peer- reviewed articles on your topic from the University of the Cumberlands Library online business database. The article(s) must be relevant and from a peer-reviewed source. While you may use relevant articles from any time frame, current/published within the last five (5) years are preferred. Using literature that is irrelevant or unrelated to the chosen topic will result in a point reduction.
iii. Write a four (4) to five (5) page double spaced paper in APA format discussing the findings on your specific topic in your own words. Note - paper length does not include cover page, abstract, or references page(s).
iv. Structure your paper as follows:
a. Cover page
b. Overview describing the importance of the research topic to current business and professional practice in your own words.
c. Purpose of Research should reflect the potential benefit of the topic to the current business and professional practice and the larger body of research.
d. Review of the Literature summarized in your own words. Note that this should not be a “copy and paste” of literature content, nor should this section be substantially filled with direct quotes from the article. A literature review is a summary of the major points and findings of each of the selected articles (with appropriate citations). Direct quotations should be used sparingly. Normally, this will be the largest section of your paper (this is not a requirement; just a general observation).
e. Practical Application of the literature. Describe how your findings from the relevant research literature can shape, inform, and improve current business and professional practice related to your chosen topic.
f. Conclusion in your own words
g. References formatted according to APA style requirements
Sample Solution
Mortgage-backed securities (MBS) are a type of asset-backed security that is secured by a pool of mortgages. They have become an increasingly important source of financing for the real estate market in recent decades, as they provide liquidity to lenders who can then use those funds to purchase more properties and offer loans to borrowers. In essence, MBS allow lenders to fund more loans than what their traditional sources of funding would otherwise permit.
The research conducted on mortgage-backed securities has helped inform decision making related to how best to structure these investments so as to maximize returns while mitigating risk. For example, studies have explored how MBS are affected by certain macroeconomic factors such as interest rates and housing prices, helping practitioners better understand when it makes sense to invest in them versus other forms of debt (Fabozzi et al., 2006). By using this knowledge, investors can design portfolios that properly weigh the various risks associated with different types of investments in order change strategies according; aiding them not only in finding the most profitable opportunities but also in avoiding potential losses due to unforeseen conditions or events elsewhere within the economy (Fabozzi et al., 2006). Furthermore, data collected from analysis related to mortgage-backed security performance can be used both by individuals looking for new ways make money from investing but also policy makers attempting determine which regulations should apply within different markets and contexts.
Overall, understanding mortgage-backed securities – and researching topics around them – is incredibly valuable given their prominence within modern finance industry; providing insight into how best optimize investment options while minimizing risks along way.
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