Describe the importance of factors to consider when developing a retirement plan. These will include age, marital status, number of dependents, health, life expectancy, and other sources of income such as social security and pensions.
Week 7 Assignment – Client Memo: Understand and Mitigate Risk
Criteria
Ratings
Pts
Describe the importance of factors to consider when developing a retirement plan. (15%)
view longer description
16.5 to >14.85 pts
Exemplary
Describes the importance of factors to consider when developing a retirement plan.
14.85 to >13.2 pts
Competent
Describes the factors to consider when developing a retirement plan. Descriptions of their importance to retirement planning need elaboration.
13.2 to >11.55 pts
Needs Improvement
Lists the factors to consider when developing a retirement plan. Descriptions and importance need elaboration.
11.55 to >0 pts
Unacceptable
Does not list the factors to consider when developing a retirement plan.
/ 16.5 pts
Examine the relationship between risk and return and its impact on decisions about saving for retirement. Provide examples of the relationship. (15%)
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16.5 to >14.85 pts
Exemplary
Examines the relationship between risk and return and its impact on decisions about saving for retirement. Provides examples of the relationship.
14.85 to >13.2 pts
Competent
Examines the relationship between risk and return and its impact on decisions about saving for retirement. Examples of the relationship are missing or need elaboration.
13.2 to >11.55 pts
Needs Improvement
Identifies the relationship between risk and return. Does not explain the relationship or provide examples or examine its relationship with retirement savings decisions.
11.55 to >0 pts
Unacceptable
Does not identify the relationship between risk and return.
/ 16.5 pts
Explain how risk factors (such as age and personal risk tolerance) impact the allocation of assets included in a retirement plan. Support your explanation with examples of how asset allocation changes as the risk factors change. (15%)
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16.5 to >14.85 pts
Exemplary
Explains how risk factors (such as age and personal risk tolerance) impact the allocation of assets included in a retirement plan. Supports the explanation with examples of how asset allocation changes as the risk factors change.
14.85 to >13.2 pts
Competent
Explains how risk factors (such as age and personal risk tolerance) impact the allocation of assets included in a retirement plan. Examples of how asset allocation changes need elaboration or do not support the explanation.
13.2 to >11.55 pts
Needs Improvement
Identifies a relationship between risk factors and the allocation of assets included in a retirement plan. Does not explain the impact or provide examples of how asset allocation changes as the risk factors change.
11.55 to >0 pts
Unacceptable
Does not identify a relationship between risk factors and the allocation of assets included in a retirement plan.
/ 16.5 pts
Analyze how fiscal and monetary policies impact retirement plans. Support your answer with examples of policy actions and their effects. (15%)
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16.5 to >14.85 pts
Exemplary
Analyzes how fiscal and monetary policies impact retirement plans. Supports the answer with examples of policy actions and their effects.
14.85 to >13.2 pts
Competent
Analyzes how fiscal or monetary policies impact retirement plans but neglects one policy area. Provides examples of policies and their impacts, but examples require elaboration.
13.2 to >11.55 pts
Needs Improvement
Describes fiscal or monetary policies and their economic impacts in general. Does not analyze their impacts on retirement plans.
11.55 to >0 pts
Unacceptable
Does not describe fiscal or monetary policies and their economic impacts.
/ 16.5 pts
Evaluate the implications of the time value of money with respect to saving for retirement. Support the answer with specific examples and explanations. (20%)
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22 to >19.8 pts
Exemplary
Evaluates the implications of the time value of money with respect to saving for retirement. Supports the answer with specific examples and explanations.
19.8 to >17.6 pts
Competent
Evaluates the implications of the time value of money with respect to saving for retirement. Provides general examples and explanations.
17.6 to >15.4 pts
Needs Improvement
Identifies the concept of the time value of money. Does not evaluate the implications for retirement savings.
15.4 to >0 pts
Unacceptable
Does not identify the concept of the time value of money.
/ 22 pts
Use 4–5 sources to support your writing. Choose sources that are credible, relevant, and appropriate. Cite each source listed on your source page at least one time within your assignment. (10%)
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11 to >9.9 pts
Exemplary
Meets or exceeds the required number of sources and cites each one in the assignment; all sources are credible, relevant, and appropriate.
9.9 to >8.8 pts
Competent
Meets the required number of sources and cites each one in the assignment; some or all sources are not credible, relevant, and appropriate.
8.8 to >7.7 pts
Needs Improvement
Does not meet the required number of sources or does not cite each one in the assignment; some or all sources are not credible, relevant, and appropriate.
7.7 to >0 pts
Unacceptable
No references provided.
/ 11 pts
Clarity, writing mechanics, and formatting requirements. (10%)
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11 to >9.9 pts
Exemplary
Writing has very few spelling, punctuation, and grammatical errors; few fragments, comma splices, and run-ons. 0–2 errors.
9.9 to >8.8 pts
Competent
Writing has spelling, punctuation, and grammatical errors that are distracting in a few places; few fragments, comma splices, and run-ons. 3–4 errors.
8.8 to >7.7 pts
Needs Improvement
Writing has spelling, punctuation, and grammatical errors that are distracting in some places. 5–6 errors present.
7.7 to >0 pts
Unacceptable
Writing has spelling, punctuation, and grammatical errors, fragments, comma splices and run-ons that distract from the message. More than 6 errors.
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