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美国德克萨斯奥斯汀大学本科金融投资学留学生论文代写范例,高分assignment展示

 

Table of Content

1.0  Executive Summary

2.0  Introduction

  2.1 Purpose of the Report

  2.2 Current Condition of the Clients

  2.3 Stage of the Financial Life Cycle

  2.4 Personnel Financial Issue

3.0  Personnel Financial Plan Project

3.1  Financial Assessment

3.2  Financial Goals

3.3  Taxation

3.4  Saving and Investment

3.5  Retirement

3.6  Debt

3.7  Life and Disability Insurance

3.8  Estate Planning

3.9  Budget Issues

4.0  Summary and Conclusion

5.0  Reference

 

 

 

1.0  Executive Summary

The main purpose of the report is to create a personal financial plan project for individuals.The report comprises the financial situation of a recently married couple who want to manage their assets efficiently by creating a life time financial plan.Undoubtedly,this plan should include five major part,just as showed in the last page.Firstly,a detailed information of the clients should be given in order to analyse their current financial condition truthfully.The information is useful to begin planing their future savings and accomplish their financial goals.This part will give a conclusion of the risks of the clients and their investment risk preference .Therefore, whether the clients are risk love, risk neutral or risk averse will come to the table.Then,there comes the financial analysis of the clients.Both the client's assets and liabilities should be well considered and analysed through their incomes ,debts and cash flows .At the same time,the clients will pay taxes to the country as a obligation.Generally,some mathematics tools such as a PV analysis will be used so as to calculate the basic value of the client's cash flows accurately.Also,some mathematics models will be set up.Subsequently,the financial goals of the clients is to be clear.Meanwhile,both the short term benefits and long term benefits are considered as a whole.After that,the clients will be given a advisement for their further investment and debt-paying.They will be suggested to have a diversified financial portfolio including real-estates ,precious metals, negotiable securities such as stocks and bonds,financial derivatives such as options and futures as well as the famous artwork(if they have plenty of idle cash).The portfolio is of great value for the clients for it may decide the future life quality of them.Investment is a long time thing.Some decades later,the clients will get their retirement in great honour.From that day,they are sure to enjoy the rest of their life.Therefore,retirement plan is also important.Moreover,they may confront some decreases or car accidents that can do harm to their health.So,life and disability insurance is a necessity for the clients.The amount,type and the cost of the insurance products the clients required should be determined.Last but not the least important,we should develop a budget that will allow the clients to achieve their financial goals.In other words, the complete financial strategics  for the clients should emerge in order to fit their financial goals.

 

 

2.0  Introduction

2.1 Purpose of the Report

This report aims to discuss with my clients,the Smith Family,and evaluate their financial position and net worth.The report is of great value for their future plan and development as well as their financial goals.The financial plan is only a guideline for my clients and provide relevant suggestions and advices to my clients.

2.2 Current Condition of the Clients 

The Smiths are our clients who have been married for one year.They are living in  Charlottetown, Prince Edward Island and both precently employed.Mr.Smith is working in an local bank called Grace Bank while Mrs Smith is working in a local public school called Charlottetown First School.Mr. Smith is 28 years old and have got his Master's degree in economics at the age of 26. Mrs. Smiths is also 28 years old and got her Master's degree in education at the age of 26.Both of them have two years working experience and not changed their jobs.The salary of Mr. Smith is 60,000 C$ a year when Mrs. Smith is earning 50,000 C$ a year.Their salary is growing at a stable rate of 5% per year if they would not change their jobs.They are renting a house for 1,000 C$ a month including water and electricity fees.

Each of them have two parents,yet no children.Mr. Smith's parents is in good health condition.However, Mrs. Smith is not.Mrs. Smith's father has a heart disease and has to spent 300 C$ in medicine.Both of the clients are financial independent from their family.Now the family of the Smiths has a saving of 50,000 C$.

They aim to buy a house this year at about 300,000 C$ by loaning and mortgaging.After two years,they would like to have a child.Meanwhile,they own a car which is valued at 50,000 C$ by carring a mortgage of 3,8000 C$.

2.3 Stage of the Financial Life Cycle

In the financial life cycle,the Smiths would be considered as the "young couple with no children".Also,they are in the middle class stage.Therefore,their current focus point is to purchase estate properties and durable goods such as household electric appliances and cars.Moreover,they should also take financial investments into consideration in order to make sure their gains are more than before.As to the retirement plan,since they are still young, it is not the most important thing to be discuss for now. However, life and disability insurance of my clients should also be centered on for that their risks is a necessary part to be considered.

2.4 Personnel Financial Issue

For now,the most important financial issue for the Smiths are:

1.Paying the house debt which is approximately 300,000 C$ as well as some durable goods.

2.Investing in financial products to make sure their net worth is increasing.

3.Acquiring some life and disability insurance for the risks to be happened.

 

 

3.0 Personnel Financial Plan Project

Here is a full screen of the Smiths' financial plan project.

3.1  Financial Assessment

The Smiths ' total earing  is 11 ,000 C$ in the whole 2011 and their total expenses is C$.Here is the detailed table of total income and expenses as well as the net worth of the smiths  family.

PERSONAL FINANCIAL STATEMENTS OF THE SMITHS FAMILY

Statement of Cash Flows for 2011-1-1 for the 12 Months Ending 2012-1-1

 

INCOME

"MR. SMITH""

"MR. SMITH"

"MRS.SMITH"

"MRS.SMITH"

 

Total Family

 

Total% of

 

 

 

By Pay Period

Yearly

By Pay Period

Yearly

 

Yearly

 

Income

 

 

Employment

6000

 72,000

3000

 36,000

 

 108,000

 

74.9%

 

 

Welfare

1200

 14,400

2000

 24,000

 

 38,400

 

26.6%

 

 

Investment: Interest

50

 600

 

 

 

 600

 

0.4%

 

 

Investment: Dividends

 

 500

 

 200

 

 700

 

0.5%

 

 

Investment: Realized Capital Gains

 

 -3,500

 

 -

 

 -3,500

 

-2.4%

 

 

Total Income

 

 84,000

 

 60,200

 

 144,200

 

100.0%

 

:

DEDUCTIONS FROM INCOME

 

 

 

 

 

 

 

 

 

 

Income Tax

1400

 16,800

600

 7,200

 

 24,000

 

16.6%

 

 

CPP Premiums

400

 4,800

100

 1,200

 

 6,000

 

4.2%

 

 

EI Premiums

50

 600

50

 600

 

 1,200

 

0.8%

 

 

Pension Contributions

50

 600

40

 480

 

 1,080

 

0.7%

 

 

Health/Life/Disability Insurance

80

 960

50

 600

 

 1,560

 

1.1%

 

 

Union Dues

20

 240

10

 120

 

 360

 

0.2%

 

 

Total Deductions

 

 24,000.00

 

 10,200

 

 34,200

 

23.7%

 

 

DISPOSABLE INCOME

 

 60,000

 

 50,000

 

 110,000

 

76.3%

 

 

 

 

 

 

Total Family

 

 

 

Total% of

 

 

EXPENSES

 

 

 

Monthly

 

Annual

 

Income

 

 

Housing

 

 

 

 

 

 

 

 

 

 

Mortgage/Rent (Lease)

 

 

 

 900

 

 10,800

 

7.5%

 

 

Utilities

 

 

 

 50

 

 600

 

0.4%

 

 

Heat

 

 

 

 100

 

 1,200

 

0.8%

 

 

Telephone

 

 

 

 80

 

 960

 

0.7%

 

 

Other

 

 

 

 20

 

 240

 

0.2%

 

 

Subtotal

 

 

 

 

 

 13,800

 

9.6%

 

 

Food (Groceries)

 

 

 

 900

 

 10,800

 

7.5%

 

 

Food (Restaurants)

 

 

 

 500

 

 6,000

 

4.2%

 

 

Clothing

 

 

 

 500

 

 6,000

 

4.2%

 

 

Cable TV

 

 

 

 100

 

 1,200

 

0.8%

 

 

Gifts: Holiday

 

 

 

 40

 

 480

 

0.3%

 

 

Donations: Charitable

 

 

 

 100

 

 1,200

 

0.8%

 

 

Subtotal

 

 

 

 

 

 25,680

 

17.8%

 

 

Auto Payments (Loan/Lease)

 

 

 

 1,200

 

 14,400

 

10.0%

 

 

Licence/Insurance

 

 

 

 100

 

 1,200

 

0.8%

 

 

Maintenance and Repairs

 

 

 

 100

 

 1,200

 

0.8%

 

 

Gas/Oil/etc.

 

 

 

 200

 

 2,400

 

1.7%

 

 

Public Transportation

 

 

 

 20

 

 240

 

0.2%

 

 

Subtotal

 

 

 

 

 

 19,440

 

13.5%

 

 

Alcohol/Tobacco

 

 

 

 50

 

 600

 

0.4%

 

 

Entertainment

 

 

 

 100

 

 1,200

 

0.8%

 

 

Vacations/Travel (list)

 

 

 

 200

 

 2,400

 

1.7%

 

 

Recreation/Hobbies

 

 

 

 100

 

 1,200

 

0.8%

 

 

Subscriptions/Books/Papers

 

 

 

 100

 

 1,200

 

0.8%

 

 

Subtotal

 

 

 

 

 

 6,600

 

4.6%

 

 

Medical/Dental

 

 

 

 10

 

 120

 

0.1%

 

 

Drugs/Eyeglasses

 

 

 

 50

 

 600

 

0.4%

 

 

Toiletries/Haircuts

 

 

 

 200

 

 2,400

 

1.7%

 

 

Subtotal

 

 

 

 

 

 3,120

 

2.2%

 

 

Interest: Credit Cards

 

 

 

 20

 

 240

 

0.2%

 

 

Life Insurance

 

 

 

 50

 

 600

 

0.4%

 

 

Health/Disability Insurance

 

 

 

 50

 

 600

 

0.4%

 

 

Service Charges/Fees

 

 

 

 60

 

 720

 

0.5%

 

 

Accounting/Investment Fees

 

 

 

 20

 

 240

 

0.2%

 

 

Subtotal

 

 

 

 

 

 2,400

 

1.7%

 

 

TOTAL EXPENSES

 

 

 

 

 

 71,040

 

49.3%

 

 

Net Cash Flow

 

 

 

 

 

 $38,960

 

27.0%

 

This is a table of net cash flow in Jan 1,2012.

 

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