Client Memo: Understand and Mitigate Risk

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%)

view longer description

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%)

view longer description

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%)

view longer description

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%)

view longer description

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%)

view longer description

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%)

view longer description

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.

/ 1