Part A. group case study
Each student is asked to write a draft of the speech (500 words) and to present your recommendationto the customer. The speech must satisfy the following requirements: (1) the recommended option, and (2) the reason for your recommendation.
In this case study, you areasked to provide a financial advice to customers who should decide whether to purchaselife insurance policies within or outside the superannuation fund. Read the case carefullyand provide your advice by analysing the tax implication of each choice.
Jack, who is 36 years old, has beenemployed by XYZ Inc. for 12 yearsand subscribed his superannuation fund on his employment starting date at XY. Hehas a superannuation account balance $200,000with $30,000 of tax-free component. Jack’s current income is $190,000 and it is expected to be unchanged until his retirement. Jack would like his non-dependent childrento receive a lumpsum after-tax benefit $500,000 on his death. Because he has only $200,000 in hissuperannuationaccount, he should buy additional life cover to meet his financial plan. Jack can buy the life covereither outside the superannuationthroughthe superannuation.As a financial advisor, which option would you recommend?
Justifyyour advice by providing the pre-tax premium of each option, and in particular, report how/why your advice will depend on whether the policy within superannuationwill be purchasedfrom concessional contribution or not.
(For simplicity, you canmake the following assumptions: first, regarding the tax-payable of death benefits, consider the maximum tax-payablein case Jack dies today (i.e., consider the tax-payable most conservatively); second,the premium of lifecover is 5% of the sum insured. If you need any additional assumptions for your analysis, please clearly state them in your report.)
Personal Reflection on Group Work(400 words)
This is an individual written reflective piece on your experience of working in a team. It is to be submitted separately from the group project. This task provides an opportunity to analyse and honestly reflect on your own performance in the group work. In this report, you should answer the following questions within 500 words (excluding the questions).
Your participation in teamwork:
1.How did you contribute to the group’s teamwork processes and to the group’s achievement of the task?
2.What would you do differently or better next time you work in a team? The team’s processes:
1.What were the strengths of your team in completing the report?
2.What issues/problems (if any) did your team encounter? How did the team address them?
3.How could you improve team processes next time you work in a team?
Part C(800 words)
Please read carefully and answer the following questions. For the questions that ask whether you agree on a given statement, you must provide reasons why you agree/disagree with it.
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