Submission date –using Turnitin submission inbox (guidance notes on how to submit are available on the Moodle site).

Students are required to produce a single Word document of between 3,000 and 3,500 (maximum) words which contains all of the following four parts. NB – the wordcounts listed for the parts below are indicative for guidance purposes. Work should be referenced in accordance with APA 7th edition. All assessment tasks must be completed by students individually.

Marking criteria are given in the following pages, with Level 5 requirements highlighted.

Portfolio requirements (you are required to submit all of the following):-

  1. Client reports. Choose a client profile (SEE BELOW) – one from savings and one from loan or mortgage. Recommend an actual personal finance product to each chosen client and provide financial advice. Use a report format. (600 words).

20%     (LO2,3)


  1. The theoretical means to calculate the prices of shares and bonds are never likely to be accurate. Therefore investors should not rely on logical rationale, but instead use their own intuition and ‘gut feeling’ when making decisions. To what extent do you agree with this statement? (1,500 words). 40%         (LO1)


  1. Personal journal. Pick any three news items which occurred over the period that you have studied this module. Explain briefly what each event was and then critically evaluate how each could affect the decision-making process for someone who is looking to save, invest or borrow (900 words).   25%        (LO1,2,3)



  1. Reflective account. Give a personal reflection account of how the module overall has affected your understanding of personal finance and the key financial decisions that you may need to make in the future (500 words). 15%       (LO1,2,3)








Cont’d ….



  1. Client Profiles: Choose one from ‘savings’ and one from either ‘loan’ or ‘mortgage’




  1. Master Ainslie is only 12 years old. His grandparents would like to save £2,000 on his behalf until he is 18.
  2. Miss Ennis is 21 years old and has recently graduated from University and has started work as an Assistant Accountant for £24,000 per annum. She would like to make regular savings of £200 per month.
  3. Mr Rutherford is a 50 year old company executive with earnings in excess of £150,000. He would like to make regular savings of £2,000 per month.
  4. Mrs Adams is 75 years old and retired. She has total income of less than £10,000 per annum and has a lump sum of £5,000 that she would like to place in a savings account.





  1. Mr Hoy would like to buy a second hand Fiat 500 for £5,000 and is looking for financing for it over a 2 year period.
  2. Mr Murray would like to take his wife on holiday to Italy. The cost is £2,500 and he is looking for the best product to finance this. He would like to pay for the holiday over 3 months.
  3. Mr Farah has a temporary cash shortage. He needs £500 to pay for day to day expenses until he gets his salary at the end of the month, which is in 20 days’ time.





  1. Miss Trott is buying her first home. It is a flat costing £200,000 she has saved up a £20,000 deposit. She intends to pay for the flat over 25 years. She is concerned about the possibility of rising interest rates.  You can assume that she has sufficient monthly income to afford the mortgage payments.
  2. Mr & Mrs Jones have a house that is worth £250,000 which they own outright. They want to move to a new house which will cost £500,000 and they will raise a mortgage for the difference. They plan to pay this off over the next 10 years. You can assume that they have sufficient monthly income to afford the mortgage payments.