参考号：EM1346499

基本要求是准备为客户提供特定建议的财务报告。

乔西亚（Jossiah）和杰米玛·本森（Jemima Benson）最近结婚了，并计划未来，决定征求财务顾问的服务，以实施其短期和长期的财务计划和生活方式目标。乔西亚（Jossiah）和杰米玛（Jemima）都年龄28岁。

在不久的将来，他们决定要购买新房子和一辆新车。他们想要的房子价值为40万美元，他们非常兴奋，因为乔西亚（Jossiah）和杰米玛（Jemima）以前从未拥有过房屋。他们还想以60,000美元的价格购买一辆新车，但是不确定是否要直接购买汽车或牺牲薪水来获得汽车。他们预计每年约35,000公里。

他们的长期计划涉及建立相当积极的投资组合，目的是直接购买投资物业并投资于您可能建议的其他策略中的某种股票组合。他们还从朋友那里听说，利润贷款可以是实现目标的一种有利可图且加快的方式。

Jossiah works as a minister for a local church and earns $70,000 gross income, while Jemima works for a kindergarten and earns $55,000 gross income. They also enjoy taking holidays and plan to have a holiday each year to the value of $5,000 with an around the world trip planned for five years time to the value of $20,000. Jossiah and Jemima are also keen to retire early and are quite willing to take on additional risk if this assists in them achieving their lifestyle goals faster. They have managed to save between them $180,000 in cash and are looking forward to your advise on how they should go about planning for their future lives together.

报告包含

Background

Objectives

• Return Objective
• Risk Objective

Constraints

• 流动性
• Time Horizon
• Taxes
• Legal and Regulatory
• 独特的情况

Capital Market expectation

资产分配

审查

投资政策声明

Returns

Risk Objective

流动性

Time Horizon

Tax rate

法律和监管要求

Unique Needs

资产配置

资本市场期望

Conclusion

参考书目