Mr and Mrs Roberts are married and are based in Mauritius. In planning their future, they have

decided to solicit the services of a well$-$known financial advisor $($you$)$ with the aim of

implementing their short and long term lifestyle goals and financial plans. Mr Roberts is $55$ years

old and Mrs Roberts is $52$ years old. They have one daughter $($age: $19$ years$).$

For their immediate future they have decided to purchase a new apartment in a Smart City in the

West of the island and a new car. The apartment they are looking for has a value of Rs $12$ million.

The purchase of the apartment will be through a bank loan, if possible. A $30\%$ down payment will

be required. They would also like to consider buying a new luxury car for Rs $5$ million. However,

they are unsure when to buy the car.

Their longer$-$term plans involve setting up a diversified investment portfolio. Mr Roberts however

believes that he should now invest a lot in real estate to achieve some of their goals. A colleague

of Mr Roberts furthermore advises them to invest as much as possible in bitcoin. According to

him, bitcoin is very low risk and that the couple will always make significant gains in the future.

Note that Mr Roberts holds the position of Financial Accountant at a large hotel group and he earns

Rs $2\mathrm{.}9$ million gross income annually. Mrs Roberts is unemployed. They also enjoy taking holidays

and plan to go on a tour of Asia in four years$$ time. Estimated cost is Rs $850,000.$ They are aware

of the need to save for their retirement and they do not contribute to any private pension plan. As

a result, they are willing to even take on high risk if this assists in them achieving their lifestyle

goals faster. They ask you for your views and recommendations on this matter.

They have also managed to save between them around Rs $800,000$ in cash and deposits. They are

aware that inflation $($now above $5\%)$ may potentially have an impact on their lifestyle going

forward. Mr Roberts has taken note of the recent impact of strong cyclones $($damage to houses and

cars, flash floods, etc$)$ in Mauritius. As a result, he believes that the couple should take as much

insurance as possible, irrespective of the premiums payable.

Estimated household expenses are Rs $95,000$ per month.

Your report $/$financial plan should include:

$$ Details of any assumptions made on the client$$s behalf in relation to investment

strategies, client background data or any other relevant information other than those

provided. You may use Mauritian related data $($e$.$g tax rates, interest rates, etc$).$

Reference to relevant measures announced in the latest Mauritian Budget is strongly

encouraged.

$$ Clear advice$/$recommendations on the goals, observations and investment

options$/$suggestions as mentioned in the case study. You should justify your

recommendations.

$$ Specific identification of any risks associated with the financial plan and investment

advice, possibly including a SWOT $($strengths$,$ weaknesses, opportunities, threats$)$

analysis based on the current investment climate.

Learners are encouraged to source additional information from the financial press and the

internet. All advice provided should be realistic and should be based on real life products,

investments, interest rates and economic data. Recommendations should not relate only to

products of a single financial institution as this may demonstrate bias and a lack of research.

Relevant calculations, quantitative assessments and research data should ideally be

incorporated in your APPENDIX. The report should also be well presented