文档介绍：Investment Proposal
Team 4
吴林昊李双红
刘衔蔡跃玲
钟航袁升涛
王玲李忠梅
The basic information of the family
Investment objectives
Financial analysis and risk tolerance
Asset allocation
Investment portfolio
Evaluation the performance of the portfolio
I. The basic information of the family
Name
Age
Job
Monthly e
Mr. Zhao
40
dentist
¥8000
Mrs. Li
37
accountant
¥6000
Mr. Zhao’s son
14
High school student
¥0
They live in Shenzhen
Mr. and Mrs. Zhao have a saving of ¥500,000 cash, a car of ¥150,000 and a balance ¥1,820 of housing fund.
The basic information of the family
Provision ratio
Mr. Zhao
Mrs. Li
Total
e
8000
6000
14000
Pension insurance
8%
640
480
1120
Maternity insurance
%
16
12
28
Medical insurance
2%
160
120
280
Employment injury insurance
1%
80
60
140
Unemployment insurance
1%
80
60
140
Housing fund
13%
1,040
780
1820
Individual e tax
3%
Disposable e
e of one month:
The basic information of the family
Family savings balance sheets(2012)
Items
Amount
Disposable e
123,(=10,*12)
Pension insurance
13,440(=1,120*12)
Medical insurance
3,360(=280*12)
Housing fund
21,840(=1,820*12)
Spending amount
76,950
Saving table
46,
The basic information of the family
The annual balance of payment:
II. Investment objectives
Mr. Zhao wants to pay the full cost of the son to study abroad in Australia in 5 years.
CPI is % in Australia.
Suppose they have a stable e in ing years and there is no big change in CPI.
Investment objectives
The cost in university will be:
FV=PV(1+i)^n
The first year: 170,000× (1+%) ^5= ¥193,300
The second year: 193,300× (1+%) = ¥198,300
The third year: 193,300× (1+%) ^2= ¥203,300
The forth year: 193,300× (1+%) ^3= ¥208,600
The total cost will be: 193,300+198,300+203,300+208,600= ¥803,500
Suppose the cost is ¥800,000.
Investment objectives
If Mr. Zhao wants to meet about ¥800,000 then the rate of return w