Personal Financial Planning Assignment 2
Personal Financial Planning Assignment 2
Personal Financial Planning Assignment 2
- M
[;,•""
.re
r VI r
'
l '
, ou•,, ;
~- - -- - ~ ,~ -:I...
- r:
= - _1;...,;....___L -.:;c_.._
-r__ r L
- ~
'
'2.) (-2..e cenl c h e1 n 9 es :-
5oy-y,e cc.., u n \ er I e.s
t):., , l t' k. e J_ nd i c\ ,r;-e <~ n
chcn,9e l')--f' g l-U cu-f o n ~ r oo ol-eb }s f und a cg_ L-0 'H'd c, Ftt''l
-
I
"
Cl 5 pe c1Fic al cU- -e . Th-e 1n~'rt'~ -1- ea"rne d on +-hes e f=u ncJ
- yn19hr- t"°)0LU be t-C\ X ec\ d.S pf'Y '-) OL,IY I he o m f> +Cl y
- s I ct.b • ...,,.-e cl u e1 n CJ ¼-~ 7\ eFF,ciency • r)o u.) e...Jf>/), hold i r,4
.
acq_wred 6 e F o r-e t-h -e chah:Je Yri1 g h+ ha ve d 1 Ff eq-f"n}-
+C\1" t It'..' aJ- m eh+ .
I
I 3. 1 d;x - A chtd r td<:=j e d Pccoun}s .' -
Je r en--.-e_cJ e> '"r , +- o ,(' f 1re e Ll n,)- ·1) rh c.1 -r c1 wcu . T ~-x es I
C\o e cipp\\ecl
I
Lu I t" h ch-cHA.:> e,V I h trd-i ~ m-en }1
w h1ch m,
t.4 (-)0 h
I I
C, . ~ l--hey Co n s id e 1- cu- l oh 5 .'-
V
r \) Oiv,dehol.s :-
P1 v,' o\('n~ p ~'j rn-eh)- 5 Fo o rn s~ock ct no.I
-
~
rn uJ- fw nc-ls r>"'lt 9 h~ be .s <.-LbJ c:' ( ~ t- +Cl X CU-/ Oh .
u cu 0
·--,--,--,--.--, ,---..
◄
~,..., =3- '""•·]
'
M TW lr
' MJflJ Ho -. )
--
-
~ 'I.: -1 :, -:r 1 ~
- r
~-
'2) Fe-es '.,
"I n--1 es ~rnf-lnt f-'ee .s c.1.ssoctccJ-ed ~ 1t-h ':J~r
hc\o\\ng.S (' ci.-h ctJs o in o\11rec tl'j 1n) p c\c t y O~')"
0F-\-e1 \-Cl X ,,__eJ- L-1Y h5 ·
I
-----
----..
3) ) .,,.Q;\ ')( -ef f'.='1c 1' eht 1n v-es rin:3 .'· -----
/ . '
'-I l-
.
I h"'\/0 )'Y'(' S c h oos ihg -
1 ~\>-eSrment5 + Ci -x t'"Y)\ n ) rn 1 2.-€ "j O C/'i t-d X b<-i'rd tn -
1\.--i, s n-,,
:J ht 1 n,co )-,,e ho)di'nc, ~ ss tl.s Fe,- t-he
\ DYi r-e) rn f--o
9 b -e he(= i +- r,.. o V'r) lo u..J e/"( Cd pi¼ cJ
~ cu' ns 'rcU eJ 0 )' u}- i \i2in9 +-Cl.~ a dv d h +a 91 ecJ q ccouri1.
~) 1 ex -.x/ P) d n n) n :J .· - ' 1
:,
/ r
"I~ Oh o ,Y" 9 04 n '3 p-aoces5 r As ":J OCI,
.{ nco me oh cl ; riv es)- men+ po,} fo I to €.'-(O \ --t'f , '--]OtJ
n-, ~ Cjht ne e d H> Ct c\) L.l.S f- ''-:} 0 U'Y 5 f,-')-c.J-e ~ '-I 1-- D
o p r I n. 1-z. -e ~ DC,,lo +ax e F Fi'd ehcj ·
-
. .
-
--
---
'
'
----
_____,
. _____,
,
I ' . I '
----
_-/
~ ~
- - ' r
. -----
-----
-- - -------
' ' ' -. -, -
' '
, ~ ,~ -, - , ~, '
.......
,..
I
r F <;
r w
t1 1tr1 ,,.
(0'1VA
fJotr
:i.: r ~
, r t :r l
::-=- ' 1 [ 1 I r I I I
--
Hhcu fs \he ~l--,~ n,e n) hu.J dre ~ h-e
- 1- p\cinnin9 f ),,-....J
---.
'o-ci i ";)--C Y"), -E:' h )- 5 p I c.Ah nl 09 ~
-~
1
Std:J-€1!>
I -
I
I •
\...
I
' -Y
, h f s f.s
I ~- C o rd· ~ i buJ- -e l-o ,<l i -r-e rn e~t- s CJ "' i r>:J s p\ cJ ns of r- el)--e d b'j I
I y ou, e rnplo-je -. o,scl up a n l h d, --.J l'clua.J f'd- cl 1-re n,..._ ~ n }-
l ft cc oun, CJ P-A)
'·
- t..,., . Focu.5 DY"\ h 19h - q-r ow th ; Yr-! -es 1 rri-e rd s , ike s+ o c ~ c§.
t; ~ eek fY) vJ 1..1 cJ F" ~ nols, c o h s l de') in g ':J Ot.J ?" ;r is k +o )(:'') a (")("f'.
--
~TWyF
Pag, No. · - 1 -.J ...,
-
Dale.
--~-~
I ---...:::......
r'L . 0--rowt-h S~ ci q e C rl lo\ - f=o-Yr-f es 1-- () Po-<. - P.-eJ 1-w m-pn1)>
A'K'
:Jciy
0\ pfoodch f)-cl 1~ rn -e n ~
Fo-orn th-e f oc~.S shiF1.s
I e1 9 ~'rfss1ve 91r ow ~h 1-o cL bcuonre b-eJ-w ee h £l o-otJf~
d n d c ~ pi } cu p">-e .s eYY aJ- i o ri ,
c e1shf)oco •
I
?J . P-re - P.tl !~ )""Y) ent s +a 9 es c F1 -Ye t--o t- € n 'j ee1rs 6€.Fo,e (
io--tl, re m -en~) > I
'1 h Is s ~~ q e , n ,, o )'-I -e5 f'.'.= i n e - +u n l ri 3 'j O~'l'
'r -el- \ .- -e rn f' n } s~-,.:cJ-eg_:1 t!f.ensua1n9 you-Yne..sf e~g ls_l
on \-.-e1 ck· f
-
-
/
• V I<- e::1
'.
A c-\- 1\/ , ti es .'-
C cu c l...lJ cu e YO t.lY e.St lrnc.u-eo\
.
~1-YE>rn-fh}- fnco(Y')~
, a.1s eluiil
--
I
f')- om cul S OU'r(~~ (~Cb/lY"IC} I pensions. Socl --
'l.. . P--e ✓ l~w '-1ou-Y heoJ r-hcore r, ~ -e d5 cJhc(p\dn -
r: ~
-" " e c\ , c oJ (?~pt' Y'I Ct'.5 ~
?:> . cons I cl-e,y de\ci'jtn9 ->--ci- ' ..-e n-i -e " t- 7F':i_O UY nes~eJ1
~ s f"' ~ s u f ~ \ c 1' e n )- ·
l\ . Std')-} p\df"'f'ln:, • fo eel~
Y poi-ehtf~ )qn ;i- +ero~
h eecl , ~
~
IA r w r r 5 'l
11311" No
r YOUV.
flolo
~- ~
T
=--= - --- :=:-r ___ T _ _ _r_ - r- r -=-~ r J ~
01 s+ ri buJ- ,oh -- -
l-t . $~ Cl 9 e C P.cl iremen)- dnd be~ond) •. ,
J
Th~
Lu h -e n ':J O \..I 5 \01-t
ch· c.1 Lu 1" :J 1 n c o y"Y') -e 1-0--o rn ':::)OUY I
ry---eJ-- i ~ l""n 'f'll t ~ Cl V \ n <J~ .
' I
• l~ e~ A c-\- i v 1 \- e I, :-
I) Pe ✓ -eJ op d Lu '1 I h ch- CI LU CLl 5 +,-cu e q 'j J o e n.s Ln-e ':) o u Y n e..{ ~
- e 9 ::J , as t-.s \-h,-01-1 cJ houJ-- '::J o t-1 -r- --a-el- ) 're r-n -e r d- -
- '1- , Co n 51 cJ,e.,. tox I rn p 1 l ccu- ion 5 0 F u.J ·, j h d, CH..D j ('I c_j J:...i nds
- t-Y- O YY" d i F F-eo -e r"-1 )- q ccou rd~ .
?, · (-l cl, W Cl h C € '-jOU'Y por~f='oli'o d5 ne -e d -e d >-o I
............--fY"1 cu' n t c.u' h '-::J Ou'"¥ de~ ired ~ssd cu lo c- cu /Oh
I
,. . . . . .~. . s t-Cf'j i t"'lfo,.-rned %ouJ- .so c l
I ctJ 5 e C <-I ~ -l ~ '-j b e n efi f s
CJ h c\ Y"n e c.\'I Ca ,-e eJ, 9 i bil1 •r':f •
I I
($- 't> l,--1 h cJ- 15 es -tcv e plann1 n<3 '< Hhcd ,· .5 Jh Jn c-l ud i n :J in if?
C..---('
I
£stcu--e plannln<3 ,s
'
e. ss e n ➔ 1 c.oJ I '-J Fn ct.k j r, C::J cq- ,.- d I" 'J e-- 1
I
fhenrs F o -v how '-j OU ci.ss e)-5 e1nd d f: r cJ -,5 co i J I b e l
helhdled ft -err 'j o u dfe 0 ')- b e c orne i n c dpct c i l-- o.Jed~
~
-- ·--
1LT ·11 T r ~lilllli4
[r•Q~ llo r
~oro 1·,ou-,A
t: ~ r - ~ · r _ r _ - _ r :_ _;;r - .x~- - r
~
<1 .
I Bene {:, c: i c11 ':} cl es 1 ~ ncJ I on s ,'· ___ ____----_
'3 . Powe --r o~ cu-to- Yne'j dncl heCA. Jth ccio-e. p~o-i< ::3 :---... .
1hese -
fh c\..k e t- h 'f: rn '-j O tXr .S V f=' • -,
I
I - P\Clnn iny I
r--- - - i - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
r--- - r - - - - - - - - - - - - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - ----
-n re- b- \
Oi rre')e
l::._;llu...)een 4 e")'rr,
I
LIP p- I
-- U \ ns ~-ran c-e c.i n '
'
1
- N ct.J-0 '1--e o .( I ri s u Yon c--e
.
ULIP C ur,i,\- linked I.nsu-rdnrPf~'
l
I oF J:.n S UYclhc-e cove,ya:1-e
d n ol l n yes.\- rn -e n.\- 9 r o c..uth -
+he f=-'ornil:j f n\-h-e ev enl in
I
I
l~ -- - - - - - - r -- - - - - --1
I I
M T w T
Pnge No.·
F ~
On ie: vouvA
=-
·~
'--
=--r.-
-
=-.: __r:._ ,- r- J -, l ::r = x = _ 1 I
·= I
'
-
-
__
,
-- - - -
-
Ct. Lh" ~.s -1rr-.f nt co rr, po nerd· .
.. -- ~
?
/
s . r teis-16; \itj
----- - ._
--
-r e-y m T ns uroh ce p ) Cl f'I S UtI-P s o f Fery F 1-e ~ i bi Ii +j iri
cl.o{' s t'o--,':) \- ~O'Y Wa'rd w ·1\-h t- er h") S 0 i= sw i+-h, r.g 6-clLOe&
\1 '(Y')ited f \f x, \o 1\ i \-1j poI·1 c:3 Fd T"'\ c\:, a t +-e-/1n9 r re rn1u1Y)
h o ld M-5 usuetJ 1:::, Cc.I i, n ot- Pel 'f n, -e n+ F'T(:' cJ....u -en ci cs Dlhc)
a f= r er t--h e. · c.o ve,o.ge. 6-Y odJ<:45 t l h:J th -e l e v-e.J~{
P'r{' m, um Te,- Y"("\ o h ce :i--i.,e I h S L.1,d h ce CO\/ f"YCJ CJ e,
p o \ l c y , .s , ss u -e.c.l .
/
/ 6 , P. , s '"' P')-o f='i \e
--
Ye'Y M 'lnSct,ci n l e p l c.t n s ULI.P '5 'J h ; :J h-e r ,,-iskJ~
C d o 'l"
-
d~
S (nc e
\ 0 u.) 'o~~
+'n ej
p 'rOol u cJ .S
f oc t..\ S So ld ~
t-o \-h ei, ; r.,'\/ e.s t men+ cornP~
nen r- cJ5 +h e 1 cl- u -. nsd?t___
--
I n p-.-o'<I di r- 3
--- -
'
0 c.l ecL.H1 s u..b i ed· t-o m d -r~ cl
b Q h ·, f ·, ~ (= 1<.. 1 c\: u oJ-i o n.s · t---
------
-
t---
I
---------
______,,,
t--
__.--/
t--
__.---/
r--
-- --·
1.1 r W T
I. r r
r J: %
--+-- - - - - ~ - - - - - -- - - - - -----i
__+-_______ __ 1-, Loe.\.,_ in p-e~1od
p ~? 1Dc\s
\
I
I
I
I U LI. P s rn e> 'j o F Fe y d s t.ro'?r(' h -
t e -Y 'rr> T n s u rd h ce p \ 0\ n s do U Ll P •~ rY\ d j c1 r rf ~
11 o u.) pd
no t-- cu I o c..us po o"}-f oJ Lu 1+heh-a, t.v -, \-hd,-c.1 u..,a.Js at= te,. .\-he
Cu cU..5 S j h Ce cl O Y> 0 t n a '1-e d Y")