关于金融投资、越详尽越好!最好是英文的解答哦

Topic

Youruncleisaskingyoutohelphimtowriteupaplanforhisretirement.Hehasthefollowinginformationsuppliedtoyou:

1.Youruncleisnow48yearsoldandisinexcellenthealth.

2.Yourauntis43yearsoldandalsoisinexcellenthealth.

3.Theyhaveadaughterwhohasjustfinisheduniversity.

4.Bothyouruncleandauntplantoretireattheageof65butuntilnow,neitheronehasanysavingthatislockedinforretirement.

5.YouruncleisworkingforanelectroniccompanywithamonthlysalaryCNY9,000;yourauntisworkingtoo,atadepartmentstoreasasalessupervisorwithamonthlysalaryofCNY5,000.Bothexpectthattheirsalarywillincreaseby5%peryearuntiltheyretire.

6.Sincetheirdaughterisfinanciallyindependent,theyplantoputinthebalanceoftheirsalariesthatareleftoverfromtheday-to-daylivelihoodspendingtowardsaretirementplan.

7.Youruncleisnottookeentoleavethemoneyinabankaccountbecausetheinterestrateisonly3%peryear.Heisaskingyoutohelphimtobuysomeinvestments,includingbothbondsandstocks,butmustproducefixedincomeoverthe3%range.

8.YouruncleandauntexpectthattheirmonthlyretirementspendingwillbearoundCNY5,000permonth,inconsiderationtoinflation.

Task

Pleasewriteupaninvestmentplanforyouruncleandauntinspecificationofthefollowing:

a.Howmuchwillheandhiswifeneedwhentheyreachtheageof65?

b.Whatkindofinvestmenttoolyouwillrecommendtothem,specifythedetailssuchastypeofinvestment,howlongshouldtheykeeptheinvestmentandwhatistherateofreturnyouarelookingfor?

c.Howmuchdoyourecommendthemtostartsavingorinvestingandwhenshouldtheystartdoingthat?

d.Showallcalculationsindetailshowyouobtainthenumbers.

e.Stateallassumptionsabouttheirsituation.

Requirement

Theassignmentshouldbepreparedinareportformatthatincludes:

1.ThetitlepagewithyournameinChineseandyourstudentnumber.

2.Layoutinspecificthetypeofinvestmentyourecommendtoyouruncle.Whentobuy?Howmuchtobuy?Andatwhatpriceleveltobuy?