HND大综合PLANNING1.doc

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content 1 planning-action plan 1.1 introduction-1 1.2 likely resources to be used -2 1.3 strategy for carrying out report-3 1.4 how the project will be managed -4 1.5 timescales for project-8 1.6sources of information-92 developing-case study report 2.1 introduction-11 2.2 savings-12 2.3 lending-19 2.4 protection-24 2.5 tax implication-33 2.6 justification for selections -343 evaluation 3.1 criteria for evaluation-35 3.2changes made during project compared to original action plan-363.3effectiveness of process -373.4 conclusions -384. references-391.1 introductionthis is a report about the customers to choose the financial products like savings,borrowing and personal insurance needs who are busy and located in bourgeoisie.i am an investment services manager with the cadogan bank plc.now i have a client which is a couple ,alexander and his wife janet. this couple has three children, adam,sheila and carina,which the two older children attend school.the family has a large six-bedroom in an expensive part of town. but alexander gets into trouble in his financial affairs,he found that he repay the mortgage and this family has recently decided to build their home. he is too busy to look after his financial affairs. thus , he need me to help to receive the best returns on his saving,or the best protection for his family and income. 1.2 likely resources to be used there are two kinds of researches which i will use,primary research and secondary research. first is the primary research, this type of resource is means created from the text,physical and verbal information,written by the parties according to the information experienced by contemporaries or people from that closer era to a record of information,it is more direct evidence,such as interview,telephone survey,internet survey,questionnaire and mail survey,and this type of resource is my main data resource because its liability.i will get a in-depth interviews with the couple to know their situation,thoughts, tendencies and habits.i will make a focus group to design a questionnaire to be selected by the couple. so i will get some useful informations about they. and i will pay more attention to their financial affairs, such as his wages, the family incomes,their mortgage and so on.i will make group disscussion to find out their financial problems,thereby to help me to come up with the suitable project.then the secondary research refers to the specific investigators according to the original purpose to collect and collate information on a variety of existing resources. the secondary research is important too ,because it is easier to get,relatively cheap,and can easily access.i will search from the internets of many portal sites of varies banks and building societies to find the right products for the couple. and i will read the books ,newspaper or tv which about the financial news and some financial plans to get the informations.i will inquire the saving and lending interests from every banks. according to their conditions,i will find the finance products,insurance products and mortgage products from the companies. 1.3 strategy for carrying out reporti will provide my conciseness action plan.the first step is to understanding the circumstances and details of the customer, such as the economic affordability and cultural background. because the customers background is helpful to select the appropriate plan and financial products such as saving products,insurance product and mortgage products,and also it can effectively reduce the risk of selection and mistakes.the second step is to collect the details of the financial production,through the collecting process that can select the appropriate product. the reason of this step that is summarize the products can filter out other obsolete products. the third step is to release the first version of the questionnaire, will ask the customers financial aspiration. after this step, we can easy to collect the financial aspiration of the customer of the customers,and based on this data,we will further to reduce the range of product.the fourth is to determine the specific products,because after the previous three steps,we have all the data we should known,so this step is to choose the suitable product to the customer.the fifth step is to collect the customer satisfaction ,because after the financial plan. we should collect the information what the customer think and the effort of my plan,it can help me to improve my services and let me provide better service.the sixth ,and also the final step,is exception from liability. in this step will list the exception from liability to the customer,involved in the plan of financial products,providing products,financial institutions have the ultimate power of interpretation of these products.1.4 how the project will be managed this is savings products which i find from banks,building society and ns&i.banks productshsbshsbc global investment funds, world selection,hsbc euro clic 85 fund,portfolio management, feel good deposit account,my way gold savings account,complete payroll account,passbook savings account,fixed deposit account,new deposit productsstandard charteredcash &cash alternatives,structured products,wrap portfolio services,alternative investments,signature balanced portfolios,signature securities portfolios,signature funds portfoliosrbsisas,instant accounts,notice accounts &bonds,treasury reserve,discretionary investment portfolio services,investment management service,multi-asset portfolio service,royalties private saver,tracker funds,stockbroking,junior stocks and shares isa,barclaysftse investment builder,alternative investment,barclays globallbeta,barclays multimanger,structured products,traditional funds,lloyds tsbstocks and shares isa,uk tracker fund isa,oeic,pip,cash isa saver,two year rate cash isa,three &four year fixed rate cash isa,esavings account,easy saver,advantage savernatwestnatweat e-isa,fixed rate bonds& term savings, e-savings, first reserve,reward reserve,advantage reserve,structured deposits,treasury reserveclydesdale bank40 day notice account,cash isa 10 day notice,cash isa instant access,child savings bond,reqular home saver account,signature savings account,vision tax exempt savings plan,stocks and savings isahalifaxscottish windows isa,junior stocks &shares isa,personal investment plan ,oeic,isa saver fixed,isa saver online,online saver,fixed online saver bsaproductsleeds building societytax-free accounts,online accounts,access accounts,notice accounts and bonds, isa tax-free accountsyorkshire building societye-isa,fixed rate anniversary isa,isa plus,monthly reward isa, stocks &shares isaskipton building societybonus cash isa,fixed rate cash isa,regular saver cash isa,super isa, junior cash isa,online isa,online bonus isa,coventry building society60 day notice isa,junior cash isa,callsave square deal isa,callsave privilege isa,norwich &peterborough building societyfixed rate cash isa,gold cash isa,stakeholder cash isa,regular savings ns&i productsindex-linked savings certificates,direct isa,premium bonds,childrens bonus bonds,fixed interest savings certificates,guaranteed income bonds,income bonds,this is insurance products which i find from the banks and insurance companies.banksproductshsbshsbc capital prevoyance ,hsbc famille prevoyance,hsbc garantie des dccidents de la vie ,hsbc garantie habitation,hsbc volassurstandard charteredlife insurance ,savings and retirement planning insurance,health and medical insurance ,home insurance rbshome insurance ,car insurance,travel insurance,life insurance,essentials contents insurance,pet insurancebarclaysfiner high-value home insurance,home insurance,buildings insurance,finer home insurance,student possessions insurancelloyds tsbhome options insurance,caravan insurance,home solutions insurance,life and critical illness insurance,axa european travel insurance,axa worldwide and uk travel insurance ,mobile phone insurance natwestcar insurance, home insurance,travel insurance ,essentials conten