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{财务管理财务分析}个人财务与投资分析
SuggestionsonAndrew’sinvestment
Introduction
Tohavefortablelife,itisimportantforonetoearnmore,butnolessistherightmanagementofmoney,asacclaimedbyCarlos(2009).Andrewisfacingtheproblemofmanaginghismoneyeffectively,sothisreportiswrittentogivehimsomesuggestions.Beforewriting,theworkofreferringtotheintroductionofhissituationandthecheckingoftheinternetforinformationofproperfinancialproductsandserviceshasbeendonecarefully.
Aswaswrittentoillustratethefactthathowtoscheduleyourfinanceandhowtoinvestefficiently,thisreportisnotonlyfitAndrewverywellbutwillalsobehelpfulforsomeonewhoisunfamiliarwithfinancialservicesandproductsbutwanttomanagetheirwealthmoreefficiency.
ThereportfirstlyanalyzedthefinancialstructureofAndrew;inaddition,ItworkedoutthefuturefinancialneedsofAndrew;then,Itcheckedtofindproperfinancialproductsorservicesmainlybyinternet;andfinally,IteupwithaconclusionwhichincludesaseriesoffinancialproductsandservicesthatfitsAndrewwell,alsoIthelpedhimonhowtodealwithiteffectively.
Analysisoffinancialservices
CurrentfinancialstructureofAndrew
Current account£1,800
Current account
£1,800
Income
Income
???
??? Portfolio
Table1.Andrew’sfinancialstructure
Formtable1wecanclearlyknowwhatAndrewhasandhowmucharetheytoinvestment.Thecalculationofhisassetsandnetineindetailisasfollowing:
Ashehasbuyapersonalpensionforfiveyears,andhedoescurrentlypay6%ofhisgrosssalaryintoit,sointotalhehasput$14400intothepersonalpensionschedule.
AccordingtotheTaxreliefonpersonalpensions,heendsuptohave$18000inhispensionpot.
Hisassetsincludesomeordinarysharesofthreepanies,moneyinbankaccountsandaflat.
Thenumberofordinarysharesisasfollowing:
AberdeenAssetManagement
30,000
Prudential
6,000
RoyalBankofScotland
60,000
Moneyinhiscurrentaccountis£1,800andinhiseasy-accesssavingsaccountis£5,000.Theflatisa2-bedroomflatnearthecentreofEdinburgh.
Hisdebtisthemortgageofhisflattopayinfiveyears.
Hemaypaytaxincludeinetaxandtaxonsavesandinvestments.
AccordingtotherulefromthewebsiteofUK(2011),tocalculatehista
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