金融学英语论文--.docx

Ladies and gentlemens. We are group 4,my name is xjj, also can call me jack, today, I as a ing merber I’m happy I can stand here to have a speech to u. firstly, I thank ing company giving this valuable chance to us. my major is finance .as the result I’m good at financial analyze. Thank u First of all , we Take Forma’s case into consideration. Forma’s total deposit is 273,000(two hundreds and seventy three thousand dollar ),. By estimation, her yearly income after graduated from master will be 36,000(thirty six thousands). Forma plans to finish the master degree within 4 years and get triple income as well, so we suggest her using her par-time income to start a Imaster account with 169,000(one hudred and sixty nine thousand dollar) first payment and maintain 3000 yearly regular payment around 15 years. during the 3 and 4 years Forma can read her master and afford her tuition through the yearly bonus in B account since the funds in it will be accumulated to over 2500 and her yearly tuition of getting her master degree is around 50,000 dollar our company ING can Provided that the return is abou 9% average, the chart below can show the detail increasing by year. You can see in the chart, Forma’s housing dream that buying a condo less than 100,000 dollar in a warm place can be solved by these benefits within 6 years. I master(US Dollar) 假设回报率为每年9% 保单年满期 岁数 累积定期投保保费 累积额外投资保费 累积提款 户口价值 退保价值 身故赔偿 1 47 3000 169000 0 173399 171000 174878 2 48 6000 169000 0 182709 180517 184536 3 49 9000 199000 50000 172586 170513 174,312 4 50 12000 199000 100000 131866 129954 133185 5 51 15000 219000 100000 159770 158015 161368 6 52 18000 239000 200000 88723 87121 89610 10 56 30000 319000 200000 199976 199032 201976 15 61 45000 419000 200000 364227 364337 367869 20 66 45000 419000 200000 437772 437772 442150 25 71 45000 419000 200000 526167 526167 531429 As her financial target after retirement (she wishes to retire between 59 and 64), the accumulation bonuses in B account will also pre