HND 金融专业 GU 1（第三篇， 第一部分）.docVIP

Group Award Graded Unit 1 Table of contents 1. Introduction 3 2. Action plan 3 2.1 Strategy and management of the project 3 2.2 Resources and documentation 3 2.3 Timescale 4 3 Case study report 5 3.1 Key factors 5 3.2 Key financial needs of the customers 5 3.3 Criteria for making decisions 6 3.4 Saving products 6 3.4.1 Individual Savings Account (ISA) 6 3.4.2 Term deposits 7 3.4.3 Fixed Interest Savings Certificates (FISCs) 7 3.4.4 Index-linked Savings Certificates (ILSCs) 7 3.4.5 Children’s Bonus Bonds 8 3.5 Individual protection needs 8 3.5.1 Permanent Health Insurance (PHI) 8 3.5.2 Term assurance 8 3.5.3 Critical Illness Cover (CIC) 8 3.5.4 Property insurance 9 3.6 Mortgage needs 9 3.6.1 Capital and interest mortgage 9 3.7 Providers and services 10 3.7.1 Cash ISA 10 3.7.2 Term deposits 11 3.7.3 Children’s Bonus Bonds 11 3.7.4 Long term income protection (PHI) 12 3.7.5 Term life assurance 12 3.7.6 Critical illness cover 13 3.7.7 Property insurance 14 3.7.8 Capital and interest mortgage 15 4. Evaluation report 16 4.1 Criteria for evaluation 16 4.2 The variance of the researching methods used in actual process and action plan 16 4.3 The differences between actual process and original proposals 16 4.4 The methods that how to deal with the arising problems 17 4.5 The effectiveness of the decision-making process 17 5 Conclusion 17 6. Reference 18 1. Introduction Today, with rapid development of economy, people’s values are experiencing changes. People tend to pursuit of profits and material satisfactions more eagerly than ever before. From that we can imagine the personal financial services are playing an extremely important role in our daily life. I am an Investment Service Manager with the Cadogan Bank plc. In this report, I will provide some solutions and advice to my clients Alexander and Janet about their savings, borrowing and personal insurance needs based on their background information. 2. Action plan 2.1 Strategy and management of the project There are