retirement plan selection

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retirement plan selection
Business
Essay
APA
4 pages
3 sources
Paper details:
A new employee joins your company at age 24 making $40,000 per year. Currently, banks are paying 5% interest on saving accounts, and the rate of return on the company stock is 4% per year. During benefits enrollment, the employee stated that she would like to retire at age 60 with 3 million dollars in her retirement account.
Compare the following retirement options for this particular employee in 1,050 to 1,400 words:
403B
401K
Pension
Annuities
IRA
Estate planning
Determine which retirement option(s) you would choose if you were this employee.
Assess the factors that this employee should consider when selecting a retirement plan.
Format your paper consistent with APA guidelines.


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STRATEGY IN CONTEXT BHS0035

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                        Criteria EXPLANATION
Case Study Content
Your case study answers the questions set out in the assignment brief. The assignment asks you to explain why a particular organisation made a particular strategic decision. Your completed case study should focus on this explanation. Simply describing the decision, providing an external and/or internal analysis of the organisation, or evaluating the quality of the decision will not answer the assignment question.
The discussion in the case study is informed by relevant theory. Your explanations of why your chosen organisation made the decision must be grounded in theory. In other words, when searching for explanations, you must consider factors set out in the various theoretical perspectives we discussed in this module. You are expected to use a minimum of three or four different theoretical perspectives.
Please avoid exclusively relying on basic planning models such as PESTLE and SWOT. Using basic planning models only will result in a basic pass mark at best.
Your writing demonstrates a solid understanding of the theoretical perspectives you are using. Please make sure that you understand the theoretical perspectives and models you use very well – e.g. what they are intended for, how they work and how they are related to other perspectives.
You are not required to explain in your case study the theoretical perspectives you use. However, the way you use concepts and ideas from those perspectives will provide an indication of your understanding.
Your case study is based on thorough research of your organisation’s decision, the organisation itself and the situation within which the decision was made. You are expected to use a variety of sources to obtain information about your chosen organisation, about the decision that you are analysing and about any relevant circumstantial factors (e.g. various aspects of the external and internal environment, important stakeholders, organisational processes, etc.). Relying on just one or two sources will most likely not be enough.
Please also be aware of potential biases – e.g. your organisation’s own accounts of how the decision was made may not be objective.
Your case study should address the power dimension of organisational decision-making. In your analysis, you should consider how the various forces both in the internal and external environment of the organisation forced or encouraged the organisation to make the decision. These forces may have exerted a direct coercive impact on the organisation (e.g. stakeholder demands), facilitated the decision (e.g. existence of particular resource sets), or set out the boundaries for organisational imagination (e.g. organisational culture and structure). You should also consider the relationships between the various forces.
Case Study Structure
Your case study has a clear introduction. The introduction should provide a brief overview of the organisation that you chose and the decision that you will be explaining. It should contain a phrase such as “In this case study, I will explain how an organisation X reached the decision Y”. You can also provide a brief list of the theoretical perspectives you will use.
Your case study is a coherent narrative. You present your points/arguments in a logical sequence. The structure of the main body of the case study should support a clear communication of the results of your analysis. As this is a fairly long case study, you should split it into several sections. Each section should deal with a specific topic – e.g. background information, the description of the decision-making process, a particular influencing factor, or the discussion of the relationship between particular influencing factors.
Please do not title the main body of your case study “Main body”. The words “main body” are simply used to denote the main substantive section of a piece of writing. They are not an appropriate section title.
The case study must have a clear conclusion, summarising the findings of your analysis. In your conclusion, you should provide a clear outline the key reasons why your organisation made the decision.
Evidence and Referencing
All arguments you make must be supported by evidence, either theoretical or empirical. Your arguments and explanations should be based on thorough research and careful consideration of relevant evidence. Avoid making arguments without supporting them with relevant evidence.
All non-common-knowledge facts and arguments are referenced. You should provide a clear indication of the sources of your evidence by thoroughly referencing your writing. Please use either an APA or Harvard referencing style.
The sources used are up-to-date and appropriate for an academic work Avoid using blogs, social media, ‘yellow press’ newspapers and consultancy websites as your sources. Reputable national and regional newspapers and magazines, websites of reputable non-governmental organisations and commercial and non-profit organisations, government sources and academic journals and books are acceptable.
The references are formatted correctly both in the text and the references pages. Please use either an APA or Harvard referencing style and make sure that you use correct formatting (e.g. the sources should be listed in the reference page in an alphabetical order).
 
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MSc RM PL: MSc in Risk Management Programme Level Assessment

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Coursework Brief:
Individual written coursework
Required: Critically review the modern role of insurance in managing the emerging risks of business and society.
Write an essay answering this question. Your paper should be 750 words long +/-10% (excluding bibliography). N.B.
Your answer may focus on specific areas of insurance life, such as environment or cybersecurity, if you wish.
Deadline for individual written coursework: 4.00pm Friday 5 th June 2020. Assignments submitted after this time will
be counted as late submissions and will incur the usual penalties for late submission. Naturally you are free to
submit your assignment in before the deadline!
Advice !
This is a challenging assignment, in that it requires reflection on the material presented in the module and its
relevance to guiding practice. There are no right or wrong answers, and this is an opportunity for reflection and
imaginative thinking. However, you should present clear and convincing explanations of the importance of the
issues you identify.
You will be assessed primarily on the logic of your argument, the appropriateness of the issues you include, and the
quality of the accompanying evaluation of the significance of these issues. Good answers will present a coherent,
integrated perspective of the issues you cover rather than simply identifying a set of independent issues. You do not
need to cover all of the material provided within the lectures. The question allows you to focus on specific issues or
to attempt a more general overview if you wish.
Nature of Assessment: This is a SUMMATIVE ASSESSMENT. See ‘Weighting’ section above for the percentage that
this assignment counts towards your final module mark.
Word Limit: +/-10% either side of the word count (see above) is deemed to be acceptable. Any text that exceeds an
additional 10% will not attract any marks. The relevant word count includes items such as cover page, executive
summary, title page, table of contents, tables, figures, in-text citations and section headings, if used. The relevant
word count excludes your list of references and any appendices at the end of your coursework submission.
You should always include the word count (from Microsoft Word, not Turnitin), at the end of your coursework
submission, before your list of references.
Title/Cover Page: You must include a title/ cover page that includes: your Student ID, Module Code, Assignment
Title, Word Count. This assignment will be marked anonymously, please ensure that your name does not appear on
any part of your assignment.
References: You should use the Harvard style to reference your assignment. The library provide guidance on how to
reference in the Harvard style and this is available from: http://library.soton.ac.uk/sash/referencing
Submission Deadline: Please note that the submission deadline for Southampton Business School is 16.00 for ALL
assessments.
Turnitin Submission: The assignment MUST be submitted electronically via Turnitin, which is accessed via the
individual module on Blackboard. Further guidance on submitting assignments is available on the Blackboard support
pages.
It is important that you allow enough time prior to the submission deadline to ensure your submission is processed
on time as all late submissions are subject to a late penalty. We would recommend you allow 30 minutes to upload
your work and check the submission has been processed and is correct. Please make sure you submit to the correct
assignment link.
You will know that your submission has completed successfully when you see a message stating ‘Congratulations –
your submission is complete…’. It is vital that you make a note of your Submission ID (Digital Receipt Number). This
is a unique receipt number for your submission, and is proof of successful submission. You may be required to
provide this number at a later date.  We recommend that you take a screenshot of this page, or note the number
down on a piece of paper.  You should also receive an email receipt containing this number, and the number can be
found after submitting by following this guide.  This method of checking your submission is particularly useful in the
event that you don’t receive an email receipt.
You are allowed to test submit your assignment via Turnitin before the due date. You can use Turnitin to check your
assignment for plagiarism before you submit your final version. See “Viewing Your Originality Report” for guidance.
Please see the Module Leader/lecturer on your module if you would like advice on the Turnitin Originality report.
The last submission prior to the deadline will be treated as the final submission and will be the copy that is
assessed by the marker.
It is your responsibility to ensure that the version received by the deadline is the final version, resubmissions after
the deadline will not be accepted in any circumstances.
Important: If you have any problems during the submission process you should contact ServiceLine immediately by
email at Serviceline@soton.ac.uk or by phone on +44 (0)23 8059 5656.
Late Penalties: Further information on penalties for work submitted after the deadline can be found here.
Special Considerations: If you believe that illness or other circumstances have adversely affected your academic
performance, information regarding the regulations governing Special Considerations can be accessed via the
Calendar: http://www.calendar.soton.ac.uk/sectionIV/special-considerations.html

 
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MGT397: Consumer psychology

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Module Code: MGT397 Coursework Code: 1
Module Title: Consumer psychology
Date Available: April 2020
Submission details: 
Deadline: Monday 8th June 2020, 12pm (noon)

Electronic submission only through BLACKBOARD/MOLE
Students should note that the time of submission is taken from once the document has been successfully uploaded and confirmed – this may take more than five minutes during busy periods. Late penalties will be applied to any work submitted from 12.01pm on 8th June 2020 onwards. Details of how to calculate a late penalty can be found in the UG Handbook. It is the student’s responsibility to ensure the document/file has uploaded successfully.
When submitting students must:

  1. Include a completed cover sheet (available from BLACKBOARD/MOLE)
  2. Use ‘Student Number, MGTXXX-1’ (e.g. 150011001-1 MGT397) as the document’s file name and also as the Assignment Title in Turnitin.
Contribution to Final Mark for Module:
100%
Maximum Word Length: 2000 words excluding title page, contents page, references section, bibliography.
This word limit includes the content of any tables, diagrams etc. but excludes the reference list. No appendices are allowed. If you exceed the word length you will be penalised.  For details see the Management School Handbooks
Requirements:
This assessment requires you to reflect on your own recent purchases and to analyse your behaviour using consumer psychology models, theories and techniques etc. learnt during the course of the module. To begin, choose two recent purchases (in the last year), one from each of the two categories below:
1. A product or service that you bought for yourself.
2. A product or service that you bought for somebody else.
For each of these purchases you must reflect on why and how you made the purchase using the theories, models and areas we have covered in the module. For each purchase highlight and apply, models/theories/areas that explain your purchase the best. Make sure you choose different theories/models for each of the purchases. Through the application of models/theories etc. you will be able to dissect and scrutinize various aspects of your decision making processes and should be able to comment on various aspects such as conscious or unconscious influences, planned or impulsive/ irrational aspects, emotional or cognitive components and ethical or unethical elements etc. You are not required to conclude on whether your decisions or purchases were correct or incorrect.
Theories/models which were discussed in the lectures do not need explanations or descriptions in your assignment. The focus is on application on these in your reflection. You must use at least one theory/model covered in the lectures in your assignment. You can also include other theories/models and examples of consumer research from your additional reading from journal articles. If you use a theory/model, which has not been covered in the lectures, you will need to explain this briefly in the assignment. However, be aware that lengthy descriptions or inclusion of too many new theories or results of too many studies of consumer research will use your word count quickly. You can also draw on non-academic literature such as industry examples and case studies.
A word count breakdown is suggested below along with the general structure of the assignment. However, this breakdown of words and structure is simply a guide; you may choose to present your assessment in a different format if you feel this is appropriate. For each assignment section use both numbers and a heading/subheading and signpost that you have covered both types of purchases and which theories you are using to explain each one.
1. Introduction: approx. 100 words 2. Background for the product/service you bought for yourself (when did you buy it, what specifically did you buy, where were you when you made the purchase, where you alone etc.): approx. 150 words 3. Reflection of the decision making process for the product/service you bought for yourself. This reflection must include a reflection on issues related to ethics or sustainability aspects of your product/service and your own decision: approx. 750 words. 4. Background for the product/service you bought for somebody else (when did you buy it, what specifically did you buy, where were you made the purchase, where you alone etc.): approx. 150 words 5. Reflection of the decision making process for the product/service you bought for somebody else. This reflection must include a reflection on issues related to ethics or sustainability aspects of your product/service and your own decision: approx. 750 words.           6. Conclusion: approx. 100 words.
 

Assessment criteria <40%
(Fail)		 40-44%
(Pass)		 45-49%
(3rd  class)		 50-59%
(2.2 )		 60-69%
(2.1)		 70-79 %
(1st class)		 80 % and above
(1st class)
Knowledge and understanding of consumer psychology and marketing theories and principles applied to purchases (25%) Insufficient understanding and selection of the most appropriate theories Limited understanding and selection of the most appropriate theories Some understanding and selection of the most appropriate theories Good understanding and selection of the most appropriate theories Very good understanding and selection of the most appropriate theories Excellent understanding and selection of the most appropriate theories Outstanding understanding and selection of the most appropriate theories
Critical assessment and application of consumer psychology theories to purchases (30%) No critical assessment and application of relevant theories/ concepts. Limited critical assessment of relevant theories/ concepts, and minimal application.
 		 Some critical assessment of theories/ concepts, and some application.
 		 Good critical assessment of theories/ concepts, and some application.
 		 Very good critical assessment of theories/ concepts, and good application.
 		 Excellent critical assessment of theories/ concepts, and good application.
 		 Outstanding critical assessment of theories/concepts, and excellent application.
Ability to draw upon relevant academic literature including consumer research & industry/marketing examples to inform and support the purchase analysis (20%) No use of academic literature and examples which may be inaccurate or misunderstood Very limited range of both academic literature and industry examples which is used largely descriptively. Limited range of both academic literature and industry examples which is used largely descriptively. Draws upon some academic literature and industry examples but may be limited in range or be used in places descriptively. Draws upon a range of academic literature and industry examples to inform and support the analysis. Draws upon a wide range of academic literature and industry examples to inform and support the analysis effectively. Draws upon an exceptionally wide range of academic literature and industry examples to inform and support the analysis effectively
Reflection on any ethical and sustainability-related issues (15%) No consideration of relevant issues Limited consideration of relevant issues. Some consideration of relevant issues Good consideration of some relevant issues Very good consideration of most relevant issues Excellent consideration of all the relevant issues Outstanding consideration of all the relevant issues
Presentation and referencing (10%)
 		 Poor presentation with many errors in syntax and spelling. Not using the Harvard method. Satisfactory presentation with significant weakness in syntax and spelling. Harvard method used minimally and with significant amount of errors. Satisfactory presentation with satisfactory syntax and spelling errors. Harvard method used partially and with some errors. Good presentation with good syntax and spelling. Harvard method used largely and with some errors. Very good quality presentation with very good syntax and spelling. Harvard method used throughout and with minimal errors Excellent presentation with  very good syntax and spelling and/or fluent expression. Correct use of Harvard method throughout. Outstanding presentation with flawless syntax and spelling and/or fluent expression. Flawless use of Harvard method
Referencing: you must reference your work correctly using the Harvard method.  Failure to do so will result in the deduction of marks and possible proceedings under the University’s Regulations as to the Use of Unfair Means
Independence of working:
You are reminded of the University’s Regulations on the Use of Unfair Means, which are outlined in the School’s Handbooks.  Should you be found to be in breach of them you will be subject to disciplinary procedures.
Other Submission Details:
NA
 
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