HND大综合.docx
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HND大综合.docx
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HND大综合
1.Planning—ActionPlan
1.1Likelyresourcestobeused
Iamabank'sinvestmentmanager.OurtargetcustomersareDavidandhiswifeMarthaCollins.Thisisthefirstphaseofthereport,includingstrategy,themainresourcesandthetimingoftheproject.InthisreportIwillusesomeresourcesareasfollows:
themainresearch:
Iwillusesurveysandobservationalstudies,toDavidandMarthaplantoclosethelowestriskprofitmaximumprogramme.Secondaryresearch:
Iwillsearchforonlineinformationsearch,informationbooks,buyanewspaper,thequestionnairesurveyway,Iwillalsouse(questionnaireintheappendix),thenIrealizedthatanycustomerisoldpeoplewhoareovertheageof70toobtionlowriskfinancialplan.Alsoresearcherstogenerateafinancialplanfrom2011to2013.Ihaveagroup,wewillhaveadiscussiongroup.Thisinformationcanunderstandthenewrate,newproductinformation,somebanks,Icanwithmygrouptoprovidethebestcustomerproject.
1.2Strategyforcarryingoutreport
Productlifecycleisamarketingstudy,whichcanhelpcustomersknow,theycangetthemaximumprofitinvestment.Inthefirstinstance,IwillconsultbytelephonetounderstandtheideaoftheDavid`sandMartha`sinmindandmakeahouseholdsurvey.Sothattheymaybemoreunderstandingofthefinancialconstructionordertounderstandtheirneeds.
Ontheonehand,accordingtotheirfamilyissaving,pensionsandanyotherexpenditure.Iwillmakealistoffunds,thenanalyzeandidentifythefinancialrisksandotherkindofrisklikethisinvestmentwasfailedandsoon.
Differentportfoliobasedondifferentstagesoflifetime,customerscanchooseaccordingtotheirownsituationofdifferentproducts.Groupdiscussion,therearemanystafftocustomerserviceandwecandiscussthebestsolutionforcustomers
1.3Howtheprojectwillbemanaged
Ispend4monthstocompletethisreportandmake3yearplanforthem,Inthisprojectdividedintothreeparts,planning,developingandevolution.
IntheplanIwillintroducesomebasicinformation,suchastheresourcesandstrategies,Iwillusemyreport,structure,timeformyreport,Ihowtoarrangeatimetofinishmyreport,andhelpresources.Iwillintroducesomeofthekeyfactorsinthesituation,summarycustomerfinancialdemandincludedeposit,loandemand,protectionneeds.Suggestionsforimprovement,potentialsuppliers,Iwilllistrelevantproductsandservices,andbenefit-needanalysis,comparisonbetweensuppliers,fortaxposition,I'llgiveyouareasontochoose.Intheevaluation,anevaluationstandard,inthispartthereisastandardtoevaluatethefinancialplanningcanhelpclientstounderstandmyplanningmoreclearly,thechangesmadetotheprojectthantheoriginalplan,andtheeffectivenessoftheprocess.Thelastistheconclusion,inwhichIcanensurethatthefinalfinancialplanformyclients.
1.4Timescalesforproject
Stages
Weeks
Data
ArrangementActivitycontent
1
planning
W1-4
2.22-2.28
Introductiontothecasestudyandunderstandthestructureofthereport
2.28-3.7
Groupdiscussionandcarryoutinvestigationforcollectingsources,designingscheduleofthereport
3.7-3.21
Thecompletionofplannedactions
2
developing
W5-10
3.21-3.28
Forexample,afinancialplan,identifykeyfactorsinthesituation,knowthefinancialneedsofcustomers
3.28-4.4
Havethegroupdiscussion,suggestionsforimprovements,andanalysislikelyproviders
4.4-4.11
Relevantproductsandservices,benefit-needsanalysis
4.11-4.18
Comparisonbetweensuppliers,fortaxposition,thecompletionofthesecondstageassessment
4.18-4.25
Justificationforselectionsandcompletionof2ndstageandassessment
4.25-5.2
Recomposemyreport
3
Evaluationandconclusions
W11-14
5.2-5.9
Teacherexplanationofthefinalpart,criteriaforevaluation
5.9-5.16
Changesmadeduringprojectcomparedtooriginalactionplan,effectivenessofprocess,andasktheteacherthequestionsaboutthereport
5.16-5.30
Finishanevaluationreport
1.5Sourcesofinformation
IgottheinformationfromnewspapersandtheInternetorotherplace,itcanhelpmegetgoodnews,interested,Icanbetterenablecustomerstomaximizethebenefits,accordingtoalltheirmoney,Icouldhelpthemdothelowriskinvestment,Iwillknowsomethingaboutthephone,theirfamilymembersandalloftheassetsandmakeaquestionnairesurvey,understandtheirneeds,groupdiscussionisakindofcangetsomeusefulinformationfromthedifferentthings,canyouhelpmetoputthebestproject,myclient,theseimportantinformationcanbeprovidedtocoupletosolvetheproblemquickly.
questionnairesurvey
1:
yourgeneralinwhattimeperiodtothebankforbusiness:
AMondaytofive9:
00-12:
00-14:
00-16:
3017.69%
BMondaytofive12:
00-14:
000%
Cweekendorholiday1076.92%
DOther
2:
youchoosewhichwayforbankingbusiness?
Agotothebankcounterservice323.08%
BintheInternetbankbusiness0%
CuseATMautomatictellermachineforbusiness
3:
Doyouthinkthebankqueueisserious?
Ayes
Bno
4.Howmuchreturnsofinvestmentdoyouexpecttoobtainthroughthefinancialplandesignedbyus?
A.≤3%
B.3%-6%
C.>6%
2.Developing—casestudyreport
2.1Keyfactorsincasestudy
1.Fundamentsituationofclients
DavidCollins,whois73yearsold,heisaretiredformerArmyColonel.
MarthaCollins,Davids'wife,aged70andalsoretired,wasformerlyalegalsecretary.
Bothofthemkeepinverygoodhealthandenjoyagoodstandardoslivingformtheirgenerouspensions.
Thecoupleshavetwogrown-upchildrenJonathanandJeanette.Jonathanis51yearsoldandhasnevermarried.Jeanetteis48yearsoldhavingfourchildrenagedbetween24and14yearsofage
2.Familystatementofincomeandexpenditure
Thecoupleshaveathree-bedroomtownhouseinafairlypopularpartoftown,whichhasbeenestimatedatavalueof310,000andwhichtheirownoutright.
Theyhave4,500chequeaccountand12.00instantaccesssavingsaccountsinCadoganBank.having40,00nationalsavingcapitalbonds,2500nationalsavingincomebondsand10,000premiumbonds.Theycouplesalsohavetreasurystokewhichhashadatavalue15,00until2014
3.Financialsituation
DavidretiredformerArmyColonel,hisannualincomeis70,000.MarthaCollinretiredformalegalsecretary,herannualincomeis50,00.
Collin'sannualincomeos120.000.Iwillmakeadetaildiagram.
AnnualincomeaftertaxValuePercentage
David£70,00058%
Martha£50.00041%
Totalincome£120000100%
4.DavidandMarthaCollinsfamilytree
5,Accordingtothecase,takingsomeassumption
(1)Inflationrate
Accordingtothisyearreport,thehighestinflationrateis4.4%inFebruary,butthegovernment
Controlsgreat,sotheratefallto1.9%justundertheexpectation.Frommyperspective,theinflationratewillbe3%during2011to2013
(2)Emergecashavailable:
ConsideringtheCollin`sbothsenior,sotheymustkeepsomeemergecashtoresolveaccident.
Iarguetheycouldkeep£40,000.
(3)Lifeexpenses:
Imaintainthecouplelifeexpensesare£3600.
(4)Bills:
Collinisbillare£4800.
(5)Travelingexpenses:
Theytravelingexpensesare£3000
(6)Someotherexpenditureis£1000.
(7)Therentofthree-bedroomtownhouseinafairlypopularpartoftownis£12000
(8)Thetwobedroomhousevalueis£250000.
2.2Likelyfinancialneedsoftheclients
2.2.1Savings
Thecollinsexpecttohaveanadditional40,000incashavailableforsavings,afterpurchaseandallassociatedlegalandremovalcosts,DavidandMarthabothareseniorsotheirfinancialportfolioarelowriskandtheirhavebeencarefulsaversthroughouttheirlifetimeandhavetendedtoinvestmentsthatcarryanyrisk.
2.2.2Mortgageneeds
Accordingtotheyreliesthat,astheyarenotgettinganyyoungersotheyplanningtomovetoshelteredaccommodationandhaveidentifiedatwo-bedroompropertynearertoJeanette'shome.2.2.3Protectionneeds
DavidandMarthaaredeterminedthattheirgrandchildrenshouldbenefitformtheirestatewhenthecoupledieandareconcernedthatshouldtheyeverneedtogointoanursinghome,thattheirfinancialassetswillbedrainedtopayforthecosts.Theydonotwishtoplacetheburdenofpayingforcareontheirchildren..theyareawarethatthevalueoftheirestateissuchthatthismayleadtothepaymentofinheritancetax.Theyareanxioustoavoidthis.
2.3Suggestionsforimprovement
AccordingtoDavidandMarthaisfinancialneeds,Imakethissuggestionsforthreepartssavings,Mortgageandtheirprotectionneeds.
Saving:
Forhelpingthecoupleknowmoreabouttheriskofsavingandtheprofitofsaving,Imakealistandadiagram.
ThetypesofsavinRiskProfitinterestrate
ChequyAccountlowlow0%
SavingAccountlowlow0.50%
Capitalbondsmiddlemiddle2.50%
Incomebondsmiddlemiddle1.75%
Treasurystockhighthight10%
Premiumbondslowlow0.90%
Iwilldosomeadjustmentintheirsavingsportfolio.Iinsistthecoupleleave£4000intheirCheque
Accountbecausethecoupleneedthatincashavailable.Leaving£5000intheirInstantAccessSavingAccountbecausethecouplecouldhandlesomeemergethingsandwithdrawallcash£10000inPremiumBonds.TransferringallthiscashinCapitalBondsandTreasuryStoke.
Theadjustmentsavingportfoliois:
£4000CadoganBankChequeAccount
£5000CadoganBankInstantAccessSavingsAccount
£60000NationalSavingsCapitalBounds
£5000NationalSavingsIncomeBounds
£32500TreasuryStock2014
Total:
£106500
Mortgage:
Strategy1:
ThecouplesbuythesecondhousewhichisshelteredaccommodationandhaveidentifiedatwobedroompropertynearertoJeanetteishomeandtheirdonotmovetonursinghouse.
Strategy2:
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