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YourEssay原创案例——美国essay代写英文原创理财管理Wealth Management

发布时间:2019-05-23  | 点击数:1479

      youressay美国essay代写原创案例执行摘要个人和组织都必须规划自己的财富。 特别是当我们把人口老龄化,负担不起,市场不稳定以及各种投资决策考虑在内时。


Executive Summary

It is always necessary for both individuals and organizations to plan their wealth. Especially when we take the aging population, unaffordable, unstable market as well as kinds of investment decision into consideration.


Personal Details of Client

The client is a single lady with no children. Besides, she doesn’t need to afford the cost for her parent’s living. Her total revenue per month is 17,300 dollars with 5900 dollars as total cost. The investment income is the biggest part of her income. In addition, her salary is 4,000 dollars per month. Thus, there are 11,400 dollars left per month.


Objectives

Thus, the client needs to make a financial plan to make full use of her excess money. Moreover, as for the asset she already owned, she owns some stock shares, a house worth 400,000 dollars and a car which worth 20,000 dollars.

Therefore, the goal of this client is to make full use of the rest of money, the asset that she already has and prepares herself for the risk that she might come with in the future.


Recommendations

The first recommendation aims to help her on the salary she received. Since she gets 4,000 dollars per month for her salary, which means that her yearly income is 48,000 dollars. Thus, her tax payable equals 7147 dollars. She could minimize her tax through several ways, such as getting more annual bonus instead of salary and increasing the base of contributions for insurance and provident funds.

The second recommendation is about the allocation of her main asset. The asset she already owned includes cash, stock shares, real estates like cars and house. Cash is useful for the most conservative and short horizon portfolios while shares offer potential growth and liquidity. It is important to understand that different asset class differs in the risk and expected returns. For example, although stock shares have very high potential returns, the risk and the possibility of loss is also extremely high. Thus, the recommended allocation of the asset is to allocate 10% for daily consumption such as clothing, food, and education, 20% for emergency insurance like the car accident and serious illness, 30% of the total asset for equity earning like fixed interest, share trust which has both high returns and high risk, 40% of the total asset can be allocated to long-term income, like the bond, pension, and bonus.

The next recommendation concerns about the managed fund. It is a way to manage people’s wealth(Sawicki& Julia,2000). From my point of view, I would prefer to choose an emerging wealth management method, that is P2P wealth management platform, which is becoming more and more popular with the fast development of the Internet (Zhao, Hongke, et al, 2016) The advantage of P2P platform is that it is safe and reliable with stable profit rate. Besides, it is also easy to operate.

The third recommendation relates to some insurance and superannuation, which could help us to defend potential risks in the future life. The most two important insurances are private health insurance and life insurance(Amelie C,2016. When choosing these two type of insurance, it is necessary to pay attention to the method of compensation, the hospital cover, the term of the grace period as well as your own financial state into consideration.

The last recommendation is about the will. Some people especially some young people may think that a will is not necessary for them since they are young and health. However, it is wise to make a will which is a way to protect my wealth and asset.


Expected Outcomes

As for the expected outcome, the client would save a certain amount of money on tax. Besides, the allocation of her current asset would make sure that she would get more extra returns under her own risk preference. The insurance and superannuation could protect her from potential risk and secure her life after retirement.

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