HND大综合.docx

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: