Graded Unit One文档格式.docx

Graded Unit One文档格式.docx

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2.2.2.Financialneeds14

2.2.3.Howtosolvecustomerneeds14

2.2.4.Providers,ProductsandBenefits-needsanalysis15

2.2.5.Comparisonwithotherproviders,productsandBenefits-needsanalysis15

2.2.6.Taxallowances16

2.2.7.Explainedwhychoosestheseproductsandtheservice,howdotheymeetMr.Alexander'

sneeds.16

2.3Insurance16

2.3.1.Keyfactorsincasestudy16

2.3.2.Financialneeds16

2.3.3.Alexander'

squestionshouldbehowtoresolve.17

2.3.4.Providers,ProductsandBenefits-needsanalysis18

2.3.5Analysisoflifeinsurance,propertyinsurance,unemploymentinsurance,andhealthinsurance.20

2.3.6TaxandInsurance22

2.3.7ExplainwhytheinsurancecompaniestochoosehowtheyhelpMr.Alexander.22

3.Evaluation23

3.1ThemethodusedinPaper23

3.2Actionplanandthedifferenttext23

3.3Whyappearsdifferently23

3.4Appearstobehowthesedifferent23

3.5Aftertheimpactofchangestothetext.24

4.Reference25

1.Actionplan

1.1Introduction

Iamafinancialplanner,myreporttoMr.Alexander,thefirstcapitalinthefinancialmanagementgivesomeadvice.Helphimresolvethecurrentdifficulties.

1.2Likelyresourcestobeused

D2%F8%D0%D0&

fr=ala0_1

1.3Strategyforcarryingoutreport

Alexander,whois48yearsold,istheCompanyDirectorandchiefexecutiveofasoftwarecompany,GraphicDesignLtdthathesetupsevenyearsagowithhisbestfriendJamesEmerson.

Hehassomeproblemsabouthissavinginsuranceandmortgage

Saving

⊕Investmentfundsandotherlow-riskitems。

⊕Theirchildren'

seducationshouldbeconsideredinvestmentsineducationshouldapplyforeducationsavings.

⊕Selecthigh-returnstorageprojectssuchastheTreasuryfunds.

●Insurance

⊕Shouldconsiderinvestinginold-ageinsurance,propertyinsuranceinordertopreventaccidents.

⊕Recommendationsshouldtakeoutmedicalinsurance,propertyinsurance,lifeinsurance.

⊕Reductioninincometobeconsideredold-agepension,itshouldbuysomeold-ageinsurance,unemploymentinsurance.

●Mortgage

⊕Loansinthechoiceshouldbebasedontheactualsituationtochoosetheirpersonalmortgagebank.

⊕Family,corporatelending,howtochooseareasonableloanamount,repaymentperiod.

1.4Howtheprojectwillbemanaged.

TableOne:

ThischartwilltellusabouttheUKbankslaunchtheproductinstorage,Mr.Alexandercanhelptochoosereasonablestorageproject.

Saving

Taxefficient

Deposits

TheRoyalBankofScotlandGroupPLC

●Taxefficientsavings

●Instantaccesssaving

●Fixedratebonds

●2yearsfixedratebond

NatWest

●e-ISAs

●cashISAs

●e-saving

●children’ssaving

Barclaysbank

●e-savingsReward

●monthlysaving

●e-savings

●5yearsfixedratebond

●3yearsfixedratebond

HSBCHolding

●Cashe-ISA

●VariableRateCashISA

●FixedRateCashISA

●RegularSave

●FixedRateSaver

●Savingsforchildren

●Savingforretirement

Santander

●Rewardsavings

●ISAs-saving

TableTwo:

Insurance

ThischartistheUK'

sleadinginsurancecompaniesintroducedavarietyofinsuranceproducts,throughthischarttohelpMr.Alexanderreasonablechoiceofinsuranceproducts.

Insurance

income

health

death

property

●Incomeprotection

●Essentialscontentsinsurance

●Lifeinsurance

●Homeinsurance

●LifeinsurancefromAviv

●Buildingsandcontentsinsurance

●Life,SeriousIllness,SicknessandUnemployment*Cover

●HomeInsurance

TableThree:

Mortgage

Thischartdescribesthenumberofbanksinthelendingprogram,throughthischartcanhelpyouchoosethelinewiththeactualsituationofyourownloans.

Mortgage

loans

mortgages

●Personalloans

●Borrowingforhomeowes

●Fixedratemortgages

●Variableratemortgages

●Offsetmortgages

●Buytoletmortgages

●AdditionalBorrowing

●SharedEquityMortgage

●flexiLoan

●Bridgingloan

●Fixed-ratemortgages

●Variable-ratemortgages

●Flexiblemortgages

●Sharedequitymortgages

●Homeownerloan

●Careerdevelopmentloan

●Fixedratemortgages

●Offsetmortgages

●Trackermortgages

●BuytoLetmortgages

●First-timebuyermortgages

●PersonalLoans

●Remortgaging

●Firsttimebuyers

●Movinghouse

1.5Timescalesforproject

Firstweek

Readthecasetoidentifytheproblems

Secondweed

Givensolutionoftheproblem

Thirdweek

Casereportwaschangedbydeletingthequestiondoesnotmeet

fourthweek

Iwillwritekeyfactorsincasestudy

Fifthweek

Iwillwritesaving,mortgageneed,protectionneeds

Sixthweek

Iwillwritesuggestionsforimprovements

Seventhweek

Iwillwritelikelyproviders

Eighthweek

Iwillwriterelevantproductsandservices

Ninthweek

Iwillwritebenefit-needsanalysisandcomparisonamongproviders

Tenthweek

Iwillwriteeffectontaxposition

Eleventhweek

Iwillwritejustificationforselections

Twelfthweek

Iwillwritecriteriaforevaluation

Thirteenthweek

Iwillwritechangesmadeduringprojectcomparedtooriginalactionplan

Fourteenthweek

Iwillwriteeffectivenessofprocess

1.6Sourcesofinformation

PrimaryandSecondaryData

First-handinformationistheholdersofinformationarethefirstcontactwiththeinformation,butalsohasahighdegreeofconfidentiality.Secondarydata,alsothroughthehandsoftheinformation,insidersandmorefirst-handinformationisfarlessvaluable,norwithconfidentiality.

Iwillbethroughthewebsite,telephone,newspaper,TVtocollectfirst-handinformation.Mysecond-handinformationthroughthereferencecase,andsomeanalysisandcase-relatedcasesarerelatedtosomerecentreports.

2.Developing

2.1Saving

2.1.1.Keyfactorsincasestudy

InthecaseofAlexander,wecanfindalotofproblems.Forexample,heandhiswifebelongtohighincomegroups,Alexander'

sannualsalaryis£

420,000,andhiswife'

ssalaryis£

55,000,sotheyhavetopayalotoftax.Alexanderalsomorecautious,donotlikerisk,sochooselow-riskinvestment.

2.1.2.Financialneeds

ThroughanalyzesMr.andMrs.Alexander'

ssituation,Ithoughtthattheyshouldchoosethetax-freememoryproject,aswellaslowriskhighrepaymentfinancialproduct.

AlexanderincomecouplesintheUKareveryhigh,higherthantheUKaverageincomeismuchhigher.Britainisacountrywithhightaxrates,sotheyhavetopayalotoftax.Iwillofferthemlow-taxortax-freecouplesstorageprojectstohelpthemreducetaxes.Alexander,likethelow-riskinvestment,Iwouldrecommendsomeofhislow-risk,high-returnstorageproject.

2.1.3.Suggestinghowtheneedsofaclientcanberesolved.

IndividualSavingsAccount（ISA）isanaccountwhereinterestandgainsmadeoncapitalisnot

taxedatsource.ISAintheUKbanksisacommonstorageprojects,withthehelpoftheISA,Alexandercanbeaneffectivereliefforhighincomeofthehightaxes.So,IthinkAlexanderneedsittoareasonabletaxrelief.

Timedepositisalongtimeofstorageprojects.Ingeneral,timedepositinterestrateswereveryhigh.Alexander,likeforlow-riskhigh-returninvestmentprojects,Isuggestedthatheshouldchoosethetimedeposits,timedepositsbecausetheriskisverylow.

2.1.4.Provide,ProductandBenefits-needs

●ThistableisabouttheISAmemoryproject

Providers

Products

AER

Themainbenefitsofproducts

FixedRateCash

ISA

2.85%AERfor12monthsonbalancesof£

20,0002.75%AERforbalancesunder£

20,000.standardrateiscurrently2.50%AER

●Securitywithafixedratefor12months

●Openyouraccountwithaminimumsumof£

5,100

●Availabletoanyoneaged16yearsorover,providedyouareaUKresidentandordinarilyresidentfortaxpurposes.

●CashISAtransfersinfromotherprovidersarepermitted（excludingfirstdirect）.

BarclaysBank

CashISA-GoldenISA

2.08%AER/2.06%tax-free

●Earninterestonyoursavingstax-free

●Saveupto£

5,100inthe2010/11taxyear

TheRoyalBankofScotland

InstantAccessCashISA

0.55%AERvariabletaxfreefrom£

1+

2.00%AERvariabletaxfreefrom£

50,000+

●Accesstoyourmoneywhenyouneedit-pluswaystomakesavingeasy.

e-ISA

2.50%AER

●TieredInterestRatessothemoreyousavethemoreyouearn

●Easyto