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Essay / Research Paper Abstract
This 8 page paper considers a fictional case and performs a fincial review on the family concerned, Items included are a reconsidering of the investments in order to gain a better return, whilst maintaining a suitable risk profile, rearranging the mortgage to save money and savings for short and long term goals. The bibliography cites 10 sources.
Page Count:
8 pages (~225 words per page)
File: TS14_TEincase1.rtf
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Unformatted sample text from the term paper:
and goals. The risk that he is prepared to take and the required terms of investment that are available. We have been give a case study with various figures,
we need to condense these down into a useable form. We will start with his savings. We see that there is a deposit account wit 400,000 with an interest rate
of 0.75% per annum. There is also a small investment in shares and stocks currently valued at 100,000. In addition to this there
is an investment in a property, this is valued at 2,000,000, but has a mortgage attached of 1,200,000. We are not told the type of mortgage that this is, so
we will assume it is a straightforward repayment mortgage. We are told the interest rate is currently 4.5% and the repayments are 7,600 per month. These are his fixed
asset, the 800,000 equity may be seen as a safety net, but as it is tied up in the flat, which we assume is the flat he is living in,
it is academic only. Therefore, we have total assets of 1,300,000, with 500,000 in liquid assets that can be realised. We
also need to consider the income that the family have. Mrs Chan does not have a regular income, however Mr Chan is in regular employment, and has an annual income
of 300,000. This is in a new technology company, which is also small, and as such he classifies this as a high risk job. We need to remember this when
making plans to ensure that Mr Chan has a sufficient liquid safety net. From this annual figure we need to consider the
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