Assignment One (30 credits version)
Answer both parts
Part A:
Critically evaluate the assets that householders can invest in and
examine how their attitudes towards risk can affect household
portfolio choices. (60 marks)
and
Part B:
Critically evaluate what is meant by the stock market participation
puzzle (SMPP). (40 marks)
Explain and illustrate your answer in no more than 2,500 words. This limit
includes tables and captions but excludes footnotes, endnotes, tables of figures and
references. Answers that exceed this limit will result in a loss of marks. Full
details of penalties for late submission, exceeding the word limit and other
information can be found at the end of this assignment.
Your assignment should be submitted via the Virtual Learning Environment (VLE)
to The Centre for Financial and Management Studies no later than 17th May 2022.
Full instructions are available on the VLE.
Student Assignment Guidelines
This assignment is based on Units 1 and 2 of your learning materials. For Part A you
should discuss what is meant by assets (financial and real) and explain why it is
important to invest in both class of assets. In addition, you should define and discuss
risk and why this is important in household portfolio selection. Relevant examples
can be used to support and develop your answers. A critical evaluation of the issues
raised in the question is needed rather than a descriptive overview.
For Part B you should define what is meant by the SMPP and why this is important
when discussing investment planning. The causes of the SMPP should also be
included in your answer. Relevant examples can be used to support and develop your
answers.
Your assignment must be properly referenced. Further information on referencing
(ie the Harvard system) is available in Studying at a Distance by Talbot on the Virtual
Learning Environment.
M488 Retail Banking and Household Finance Session Three 2022
Plagiarism
All assignments submitted must be your own work and written in your own words.
Where you have used quoted material, you must make full reference to it. You must
cite all references used throughout your work at the end of your assignment. Advice
on what is classified as plagiarism and the action taken against this can be found in
the University of London Regulations and on the Virtual Learning Environment.
Submitting Assignments
Students are required to submit their assignment in one place only on the Virtual
Learning Environment using TurnItIn, the plagiarism detection software. Instructions
on how to do this can be found on the Virtual Learning Environment on your module
assignment page.
Please see the information below for the current policy on penalties.
IMPORTANT INFORMATION
Late Submission
Assignments submitted after the published deadline will be penalised.
Marks will be deducted at a rate of two marks per working day (ie Mon-Fri, and a
maximum of 10 marks for up to one week after the deadline). Assignments will not
be accepted or marked beyond seven days after the deadline. If the submission
deadline beyond seven days is missed, students must re-enrol for the course and
submit all outstanding assignments. There is no procedure for extensions.
Penalties for late submission of assignments (ie up to seven days from the deadline)
may be waived if all the following conditions are met:
Immediate, unexpected or unforeseen difficulties. Such difficulties may
include: illness, bereavement, impact of disability, sudden and severe change
in personal circumstances.
The impact of such difficulties will be of a significant and unavoidable nature.
The request must be accompanied by relevant documentation (eg medical
certification).
Word count & Over length Assignments
Tutor Marked Assignments should be 2500 words in length. The word count excludes
footnotes (provided they contain a reference and are not part of the assignment
answer) endnotes, bibliography and figures. Tables which contain text will be
included in the total word count, whilst tables which contain numerical data will not.
Over length assignments will be penalised as follows: Up to and including 10% – 5 marks
Between 10% & 20% – 10 marks Between 20% & 30% – 15 marks.
Over 30%. The assignment will not be marked but will be given a grade of 0.
In the case of assignments that are not essays, alternative but commensurate limits
and penalties will be applied to over-length submissions.
Referencing and Citation
Students are expected to use the Harvard system of referencing. Incorrect referencing
can lead to penalties and if a student is found to have plagiarised it is an examination
offence. For this reason, all assignments must be submitted to TurnItIn which checks
students’ work against existing books, journals and student assignments.
The penalties for plagiarism are set by the University of London. Please see the
Virtual Learning Environment resources on Referencing and Citation for detailed
examples of how to reference correctly to avoid unnecessary deductions.
Eligibility for examination
Should a student sit an examination without having submitted the required number of
assignments, the examination entry and/or examination result will be declared invalid.
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