MBA

Financial Planning & Wealth Management (BMT6127)

DIGITAL ASSIGNMENT-2

Read the given assignment and get to the details. Then start planning your way of
reporting assuming clients as specified. ALL the students in the group has to submit the
assignment SEPARATELY. EACH submission has to be COMPLETELY DIFFERENT
from others. If SIMILARITY IS FOUND, marks will be DEDUCTED. Submit the
assignment on or before the last date of submission (22/09/2021).

In this DA-2, students can submit their assignment in a word document consisting
of all the relevant information:
a) Introduction
b) Assumption carried out
c) Statement of Purpose
d) your recommendation and ideas
but the above should not be a constraint. If you are coming out with better content
it is ACCEPTED.
Since the submission is in word document, all the students should take care in
preparing the same. Assume that you are submitting this report to a client whom you want
to impress and retain him for your company. What is expected out of you here is …. how
professional you are in showcasing your ideas. That is…do you have the skill set to pitch
your ideas.

This assignment carries 15 marks.

Reg. Nos: (20MBA0005 to 20MBA0017)

Insurance Planning – Life
Classify (only assumptions….) your clients as salaried and business people.
Suggest a suitable Life insurance policy taking into account…. their income level and
Financial Goals (again you are free to assume….)

Reg. Nos:(20MBA0018 to 20MBA0036)

Health Insurance
Each student has to collect Policy details of companies selling Health insurance policy.
Policy details should include all the relevant information that is mandatory for a
policy holder. (Each student should take 2 companies and compare. Then they should come
out with strength and weakness of the policy of these 2 companies). Hint: there are 30 odd
companies offering health insurance in India…...

Reg. Nos: (20MBA0045 to 20MBA0060)

Retirement Planning:
Two samples:
1) Private Sector Employee drawing salary of Rs. 75,000/- per month. Age:27.
2) Central Government Employee drawing salary of Rs. 125,000/- per month. Age: 42.
(they are yet to start planning for retirement!!!)
Your job is to suggest a suitable plan for their retirement life (assuming they approach
you for suggestions!!!) You are free to assume as many factors as appropriate for your
report.

Reg. Nos: (20MBA0061 to 20MBA0068)

Optimal portfolio and Asset allocation:
The company gives you the responsibility to look after the wealth management for
two clients: 1) A High Net worth Investor 2) A high profile individual drawing a high
salary and other incentives from an IT company. They approach you for investment
plans. What could be your suggestion for these clients in terms of planning their
portfolio and asset allocation.

Reg. Nos: (20MBA0070 to 20MBA0074)

Risk Profile mapping:
Submit a report on personality segmentation through risk appetite of clients whose
financial objectives are different…a) Daughter marriage within next two years b) son’s
higher education that would happen in another 15 years, c) a long vacation planned
by a couple that would knock their door in another one year, d) a start-up idea to be
implemented in another two years’ time e) a safe retired life planned in a farm house
after 30 years!!!
(each student can take any one of the above objectives to write their report…...)

Reg. Nos: (20MBA0078 to 20MBA0086)

Portfolio monitoring and rebalancing:
How does portfolio rebalancing work out for clients who face the following situations
in their recommended portfolio?
a) portfolio return is stable with a return of 8% b) with a return of 13% since initiation,
the client is still not happy c) Fixed return asset is to be reshuffled where the return is
only an average of 4% d) portfolio is designed as 70:30 ratio of equity and debt and
still the return is below 12% e) a client who wants to retire earlier and wants your
suggestion for rebalancing his asset plans.

Reg. Nos: (20MB0087 to 20MBA0093)

Tax Planning:
Tax Exemptions – How does tax exemptions help out a person who has invested and
saved money in different assets in his portfolio? Assume you are discussing this with
one medical doctor and one housewife.

Reg. Nos: (20MBA0095 to 20MBA0108)

An economic slump is expected for the next two years (only assumption!!!). In this
context, what could be the apt financial plan that could be recommended for salaried
– married couples and for salaried – unmarried single (but have a desire to get married
soon!!)
Reg. Nos: (20MBA0109 to 20MBA0118)
Tax Planning:
Tax Deductions: For a client whose income source is salary drawn from a government
company wants to plan his tax outgo properly. Suggest ways and means of using tax
deductions for his tax planning.

Reg. Nos: (20MBA0119 to 20MBA0136)

Life Insurance:
Collect information of life insurance products from two companies. Compare the
benefits and drawbacks of a) Endowment b) Money Back c) ULIP policies of these
companies. Which company’s policy is worth looking at?
(each student should collect information from 2 companies…...)