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FSC521: The Financial Services Industry

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ask 1: Financial institutions and the tax system Sanjay currently earns $95,000 per annum and his total income has exceeded $90,000 for the past two years. He has inherited $50,000 and wants to place the money on term deposit for 12 months. He’s asked you for advice on the range of financial institutions that offer this product. a) To illustrate the range of providers for Sanjay: • Select three different types of financial institution currently operating in the New Zealand financial services industry that Sanjay can place his money on term deposit with. • For each financial institution, state their name and type of financial institution, and provide a link to the page promoting term deposits. • Discuss the similarities and differences between the three financial institutions you selected in terms of: o their structure/ownership o how they’re regulated o the services they provide. (200 words) b) You explain to Sanjay that with some providers, he has the option of placing his $50,000 on a term deposit or in a PIE Term Deposit Fund for 12 months. Both products currently offer interest at 4% per annum and there are no fees payable for either option. Assume Sanjay invests for the next 12 months, and that his salary remains at $95,000. Also assume his income is derived only from his salary and this investment. Calculate his total after-tax income (salary + interest) for each investment option and clearly highlight which option provides him with the higher after-tax income. Show all your workings. Task 2: The impact of natural disasters and changes in the OCR Aroha runs a small business exporting cut flowers and foliage. A year ago, you helped Aroha purchase her first home using a revolving credit facility. The current balance outstanding on this facility is $451,250. She has sum insured home insurance cover with Aotearoa Insurance. Aotearoa Insurance has a reinsurance treaty with Swiss Re. Aroha has seen the following two newspaper headlines: • Headline 1: ‘Inflation is rising and is expected to reach 5–6% in the next eighteen months’ • Headline 2: ‘Hurricane Fred in the United States and the earthquake in Japan set to impact homeowners. She seeks advice from you on how these factors will affect both her business and her personal financial situation. a) Headline 1: Analyse the impact of rising inflation on Aroha. You are required to: • Predict the action the Reserve Bank of New Zealand will take in response to rising inflation. • Analyse how and why the Reserve Bank of New Zealand’s action will impact Aroha’s personal financial situation in terms of her home loan. • Analyse how and why the Reserve Bank of New Zealand’s action will impact Aroha’s business in terms of its export earnings

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Tellus molestie nunc non blandit massa enim nec dui. Tellus molestie nunc non blandit massa enim nec dui. Ac tortor vitae purus faucibus ornare suspendisse sed nisi. Pharetra et ultrices neque ornare aenean euismod. Pretium viverra suspendisse potenti nullam ac tortor vitae. Morbi quis commodo odio aenean sed. At consectetur lorem donec massa sapien faucibus et. Nisi quis eleifend quam adipiscing vitae proin sagittis nisl rhoncus. Duis at tellus at urna condimentum mattis pellentesque. Vivamus at augue eget arcu dictum varius duis at. Justo donec enim diam vulputate ut. Blandit libero volutpat sed cras ornare arcu. Ac felis donec et odio pellentesque diam volutpat commodo. Convallis a cras semper auctor neque. Tempus iaculis urna id volutpat lacus. Tortor consequat id porta nibh.

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