Finance Essay

3. Case Study
3.1 Marylebone Bank Plc
You are a financial advisor working for WBS Bank which is a boutique bank that provides private banking services to select high net worth individuals. You have been approached by one of your new clients, Nelson Trotsky, who has asked for advice from your team on how to invest a portion of his savings.
In order to get more information on what Nelson wants, you arranged a meeting with Nelson to discuss his investment preferences, which took place on 30th October 2019 and received the following information at the meeting:
1. Nelson indicated that he wishes to invest £6 million in total and he is interested in investing in three asset classes, i.e. equity, fixed income and real estate.
2. Nelson has also indicated that he would like his investment to be spread evenly across the three asset classes and that while he is not particularly worried about the risk levels of his investment, he would like to ensure that he is maximising his returns for any given level of risk.
3. Nelson indicated that in the case of his equity investment, he would only consider investing in the UK and that he has done some preliminary research and would only be prepared in investing in one of five companies listed on the FTSE, i.e. British American Tobacco, Antfogasta, Prudential, Vodafone and Paddy Power Betfair.
4. Nelson has indicated that in the case of his fixed income investment, he has significant investments in the US, UK and South Africa and therefore would be most comfortable investing in sovereign debt in these markets.
5. Nelson has indicated that in the case of real estate investments, he has been following the markets and believes that the US, UK, Indonesia and Macedonia have the best potential for growth and would only be interested in residential properties.
6. Nelson further indicated that he is considering running for political office and therefore would prefer not to invest in any sin stocks.
7. Nelson also stated that he has been considering matters, and given that he is generally risk averse, he would not like to invest in any fixed income instrument with a credit rating from S&P of less than A-
3.2 Required
Nelson has asked you as his financial advisor to write a report outlining your recommendation as to which specific one stock, one bond and one real estate market he should invest in. When compiling this report, he expects to see tables outlining the respective relevant information for each of these assets as well as appendices demonstrating all relevant calculations.
When preparing the report, you have been asked to address the following points:
1. Calculate the average return on the asset, the standard deviation of the asset’s returns as well as a risk-adjusted return measure for the asset.
2. When conducting your fundamentals analysis, that you use the top-down approach to justify your choice of markets and assets.
3. That you find and highlight the key findings of relevant research or literature (including newspapers articles, investor reports, etc.) on each of the asset classes and specific markets.
3.3 Structure of the Report
The report should be structured as follows:
1. COVER PAGE, which should contain:
(a) A relevant title for the report.
(b)The word count for the report (excluding the title page, executive summary, table of contents, tables and figures, appendices and references).
2. TABLE OF CONTENTS, which should contain:
(a)A full list of sections (including executive summary, references, bibliographic materials and any appendices but excluding).
(b) The page number of which each section begins.
3. EXECUTIVE SUMMARY, which should:
1. (a) Highlight the key points and findings of the report.
2. (b) Be in the third person and use the present tense, e.g. “This report compares…”.
4. INTRODUCTION, which should:
1. (a) Give a succinct explanation of the aims, scope and context of the report.
2. (b) Include brief details and definitions for any information necessary for the reader to understand the report.
5. MAIN BODY, which should:
1. (a) Provide the main critical analysis of the different markets and securities as well as any relevant research on the topic.
2. (b) Provide relevant figures and compare this with the respective base lines.
6. CONCLUSION, which should
1. (a) Briefly summarise the aims and key findings of the report.
2. (b) Make a recommendation as to how the client should invest providing justifications for this recommendation.
7. REFERENCES & BIBLIOGRAPHY, which should:
1. (a) The list of references lists the details of any material that have actually been cited in the report
2. (b) The bibliography lists the details of any other sources that you may have referred to when preparing the report but not actually cited in the report itself
8. APPENDIX, which should:
1. (a) Provide calculations for the figures used in the report and highlight the respective formulae used.
2. (b) Include any other material that you feel may be relevant but does not warrant being included in the report.

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