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FINANCIAL PLANNING REPORT FOR MR.AJAY
SHARMA

Prepared By
TABLE OF CONTENTS
Contents:

Page nos.

Assumptions & Risk Profile -------------------------------------------------------------------------------------------------------------------------------------------3
Asset Allocation Bucket --------------------------------------------------------------------------------------------------------------------------------------------------4
Existing Investments Review ----------------------------------------------------------------------------------------------------------------------------5
Hold & Sell ------------------------------------------------------------------------------------------------------------------------------------10
Equity Review -------------------------------------------------------------------------------------------------------------------------------------12
Goal Calendar ----------------------------------------------------------------------------------------------------------------------------------------------------------13
Net Worth -----------------------------------------------------------------------------------------------------------------------------------------------------------14
Protection Analysis -------------------------------------------------------------------------------------------------------------------------------------------------16
Cash Flow ----------------------------------------------------------------------------------------------------------------------------------------------------------------18
Free Cash Allocation ---------------------------------------------------------------------------------------------------------------------------------------------19
Goal 1 ---------------------------------------------------------------------------------------------------------------------------------------------------20
Goal 2 --------------------------------------------------------------------------------------------------------------------------------------------------21
Goal 3 ----------------------------------------------------------------------------------------------------------------------------------------------------------22
Goal 4 -----------------------------------------------------------------------------------------------------------------------------------------------------------------23
Goal 5 -----------------------------------------------------------------------------------------------------------------------------------------24
Goal 6 ---------------------------------------------------------------------------------------------------------------------------------------25
Goal 7 ---------------------------------------------------------------------------------------------------------------------------------------26
Goal 8 ---------------------------------------------------------------------------------------------------------------------------------------29
Goal 9 -------------------------------------------------------------------------------------------------------------------------------------------------30
Recommendations ----------------------------------------------------------------------------------------------------------------------------------------------------------31
3
ASSUMPTIONS
Any change in this data will have a major impact on the cash flow sheets and required corpuses for different goals, due to the power of
compounding and the time value of money.
ASSUMPTIONS FOR THE CALCULATIONS
Return from Equities (post tax)

15%

Return from Debt (post tax) - ST

7%

Return from Debt (post tax) - LT

8%

Return from Gold (post tax)

8%

Rate of Inflation (household)

7%

Post Retirement Rate of Inflation

7%

Inflation for Healthcare, Travel

10%

Inflation for Educational Fee

10%

Life Expectancy (years)

85

Increase in salary income (self)

10%

Retirement Age

58
YOUR RISK PROFILE

LOW

LOW TO MEDIUM

MEDIUM

MEDIUM TO HIGH

HIGH

YES
4
ASSET ALLOCATION ESTIMATES:
These are the suggested asset allocations for different time buckets, based on your risk appetite (shown in the previous page) as
determined in our Financial Risk Assessment Questionnaire.
For example, when your goal is more than 10 years away, your investments can be channelised 75% into equity, 10% debt and 15%
gold. When your goal is less than 3 years away, it is recommended to be 100% into debt (fixed income), and have no equity
exposure. This is done for all goals, to derisk and protect the corpus.
ASSET ALLOCATION BUCKETS
Years to goals

Equity

Debt

Gold

<=3years

0%

100%

0%

4 years

45%

45%

10%

5 years

55%

35%

10%

6-7 years

65%

25%

10%

8-10 years

70%

20%

10%

> 10 years

75%

10%

15%

Asset Allocation will be maintained throughout the Goal period , so that whenever there is a significant profit, that portion alone
will be moved to debt fund to make the asset allocation unchanged.
Benefits of Asset Allocation:::
"A proper asset allocation can outperform the market and can make your life goals acheiveable easily and even at the time of market correction,
there wont be any significant loss in the investment.. So arriving at a proper asset allocation is half the work done and monitering the same will
complete the job"
Assume, an individual invested an amount of Rs.100 in the year 2000, How does his fund grown over the period of last 12 years
when the whole amount invested in sensex (equity market), compared with the same amount being investment with the asset
allocation of 60:30:10 (Equity:Debt:Gold), the returns would be:::::::::::::::::::::::::::::::::::::

YEAR

SENSEX

G-Sec FUND

GOLD

ASSET ALLOCATION
SENSEX (value at the
(value at the end of the
end of the year)
year)

2000

-11.52%

13.06%

3.92%

88.5

2001

-18.94%

30.21%

-2.27%

71.7

97.4
97.4

2002

-12.70%

23.47%

16.05%

62.6

103.9

2003

63.64%

13.38%

12.22%

102.5

136.5

2004

17.12%

-0.05%

4.46%

120.0

147.6

2005

46.29%

3.07%

19.66%

175.6

185.5

2006

26.64%

5.14%

20.00%

222.3

220.2

2007

41.48%

4.85%

28.57%

314.5

284.4

2008

-49.56%

33.09%

15.74%

158.7

218.1

2009

73.89%

-3.10%

16.00%

275.9

290.3

2010

17.58%

5.04%

27.59%

324.4

333.4

2011

-22.02%

3.59%

42.70%

252.9

312.6

2012

24.23%

8.02%

12.80%

314.2

365.3
5
EXISTING INVESTMENTS EVALUATION

S.
NO
1

MUTUAL FUND HOLDING as on ***********
CURRENT
MUTUAL FUND SCHEME NAME
UNITS
Scheme 1

2

Scheme 1

3

Scheme 1

4

Scheme 1

5

Scheme 1

6

Scheme 1

7

Scheme 1

8

Scheme 1

9

Scheme 1

10

Scheme 1

xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx

TOTAL

CURRENT
NAV (INR)

xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx

CURRENT
VALUE (INR)

FUND CATEGORY

100,000 Debt
100,000 Diversified Equity
100,000 Debt
100,000 Diversified Equity
100,000 Debt
100,000 Diversified Equity
100,000 Debt

FUND SUB
CATEGORY

RISK CATEGORY

Liquid

Low

Large and midcap

Medium

Income

Low

Thematic

High

MIP

Low

Tax Saver

Medium

FMP

Low

100,000 Diversified Equity

Midcap

High

100,000 Debt

Liquid

Low

Largecap

Medium

100,000 Diversified Equity

1,000,000
6
GRAPHICAL PRESENTATION OF YOUR INVESTMENTS
CURRENT AMC WISE EXPOSURE
You are currently holding Mutual Funds from 10 Fund Houses.
Description on the Fund House and the selected Schemes…

S. NO
1
2
3
4
5
6
7
8
9
10

AMC

AMOUNT (INR)
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
1,000,000.00

AMC 1
AMC 2
AMC 3
AMC 4
AMC 5
AMC 6
AMC 7
AMC 8
AMC 9
AMC 10

WEIGHTAGE
10%
10%
10%
10%
10%
10%
10%
10%
10%
10%
100%

Fund Houses

AMC 9
11%
AMC 8
11%

AMC 2
11%

AMC 1
12%

AMC 7
11%

AMC 3
11%
AMC 6
11%

AMC 5
11%

AMC 4
11%
CURRENT PORTFOLIO RISK ANALYSIS
Majority of your funds fall in lowrisk bracket. It is recommended to invest according to your risk appetite.
S. NO
RISK CATEGORY
1
Low
2
Medium
3
High
TOTAL

AMOUNT (INR)
500,000
300,000
200,000
1,000,000

WEIGHTAGE
50%
30%
20%
100%

CURRENT PORTFOLIO RISK ANALYSIS
Low
50%
Medium
30%
High
20%
CURRENT PORTFOLIO CATEGORY HOLDING
Your portfolio majorly consists of Diversified Equity schemes.
S. NO
CATEGORY
1
Diversified Equity
2
Debt
TOTAL

AMOUNT (INR)
500,000
500,000
1,000,000

WEIGHTAGE
50%
50%
100%

Portfolio Category Holding

Debt
50%

Diversified
Equity
50%
CURRENT PORTFOLIO SUB-CATEGORY HOLDING
S. NO
CATEGORY
AMOUNT (INR)
1
Income
100,000
2
Largecap
100,000
3
Midcap
100,000
4
Tax Saver
100,000
5
Liquid
200,000
6
Thematic
100,000
7
Largecap and midcap
100,000
8
MIP
100,000
9
FMP
100,000
TOTAL
1,000,000

WEIGHTAGE
10%
10%
10%
10%
20%
10%
10%
10%
10%
100.00%

As a whole, your portfolio holds larger percentage in large-cap funds, which is good to hold

Portfolio Sub Catagory
MIP
10%

Income
10% Largecap
10%

FMP
10%

Midcap
10%
Largecap and
midcap
10%
Thematic
10%

Tax Saver
10%
Liquid
20%
MUTUAL FUND PORTFOLIO REVIEW
10
S. NO

MUTUAL FUND SCHEME

RECOMMENDATION

COMMENTS

1

Scheme 1

Hold

Decent perfoming liquid fund, diversification on the liquid fund is too high, so
better you can opt for any one liquid funds and park your liquid money.

2

Scheme 1

Hold

The Tax saver is locked in for 3 yrs, so Hold till the lock-in gets over.

3

Scheme 1

Hold

A large cap fund with relatively low risk, continue to hold

4

Scheme 1

Hold

One of the best funds currently available, continue to hold this fund. Fresh
additions can be considered.

5

Scheme 1

Sell

Not performing well over the last 24 months, also the portfolio doesn’t look
attractive, so you can sell

6

Scheme 1

Hold

One of the best funds currently available, continue to hold this fund. Fresh
additions can be considered.

7

Scheme 1

Hold

Fresh Investments can be considered, good fund to hold

8

Scheme 1

Sell

Risk fund at the same time, the track record is not good, so you can come out of
this fund

9

Scheme 1

Hold

A large cap fund with a good track record, launched in may-2008, the fund has
outperformed the market and its peer groups. Continue to hold

10

Scheme 1

Hold
Even you can make additional fresh investments into this fund
12
EQUITY PORTOFLIO : as on **************

Script 1

10

Investment Amount
(Rs.)
25,000.00

Script 2

10

25,000.00

30,000.00

5,000.00

Script 3

10

25,000.00

30,000.00

5,000.00

Script 4

10

25,000.00

30,000.00

5,000.00

Script 5

10

25,000.00

30,000.00

5,000.00

Script 6

10

25,000.00

30,000.00

5,000.00

Script 7

10

25,000.00

30,000.00

5,000.00

Script 8

10

25,000.00

30,000.00

5,000.00

Script 9

10

25,000.00

30,000.00

5,000.00

Script 10

10

25,000.00

30,000.00

5,000.00

250,000.00

300,000.00

50,000.00

Name Of Company

Quantity
(No.)

Present Value

Market Value
Profit/Loss (Rs.)
(Rs.)
30,000.00
5,000.00

COMMENTS::
********************************************************************************************************************
*********************
13
GOAL CALENDAR FOR Mr.Ajay Sharma

S. No.

Your Age

Year

Goal

1

35

2012

Contingency fund(General)

2

39

2016

Property Purchase

3

43

2020

Car Purchase

4

47

2024

5

51

6

Value today (Rs)

Value at time of Goal Amount
goal (Rs)
Achieved

Surplus /
(Deficit)

Goal Status

250,000

250,000

260,000

10,000

Achieved

5,000,000

5,000,000

5,025,000

25,000

Achieved

500,000

500,000

550,000

50,000

Achieved

Kid1's Graduation

1,000,000

4,000,000

4,100,000

100,000

Achieved

2028

kid2's Graduation

1,000,000

4,000,000

4,200,000

200,000

Achieved

51

2028

Kid1's Post Graduation

2,000,000

8,000,000

8,300,000

300,000

Achieved

7

55

2032

Kid2's Post Graduation

2,000,000

8,000,000

8,400,000

400,000

Achieved

8

54

2031

Kid1's marriage

1,000,000

4,000,000

4,500,000

500,000

Achieved

9

58

2035

Kid2's marriage

1,000,000

4,000,000

4,600,000

600,000

Achieved

10

60

2037

Retirement

50000 per month

100,000,000

100,700,000

700,000

Achieved

Comments:::

************************************************************************************************
************************************************************************************************
************************************************************************************************
***
14
CURRENT NET WORTH OF MR.Ajay Sharma
COMMENTS
Here we depict your current net worth.
First your current net wealth, assets that are available and not available for the Plan are depicted.
Then we consider your current liabilities.
Finally given is your Net Worth.
Your Net Worth as on Dec-2012 is approximately Rs. ******* crores
975374

CURRENT ASSETS OF MR.Ajay Sharma
Particulars

Amount (Rs)

Weightage

800,000
300,000
500,000

11%

1,000,000
500,000
500,000

14%

100,000

1%

PROPERTY
House
Flat

5,000,000
5,000,000

70%

CASH
cash at bank

200,000
200,000

3%

EQUITY
Direct equity
Mutual funds
DEBT
Debt MFs
EPF
GOLD

Grand Total

7,100,000

YOUR NET WORTH IS AS FOLLOWS
Current Assets (Rs)

7,100,000

Current Liabilities (Rs)

4,000,000

NET WORTH (Rs)

3,100,000

Equity
Debt

Available (Y /
N)
Y
Y

equity
debt
gold
cash
land

14%
1%
3%
70%

Y
Y
Y

N

Y
100.00%

Networth
11%

53%
24%
8%
15%

11%
14%
1%

71%

3%
ASSET TO GOAL MAPPING
GOALS
AMOUNT (Rs) Contingency
fund(General
)
1

EXISTING ASSET
Priority
Mutual Funds
Direct equity
Debt MF
PF
Gold
Cash in hand

500,000
300,000
500,000
500,000
100,000
200,000

Total

260,000

2

Car Purchase

Kid1's
Graduation

kid2's
Graduation

3

4

5

Kid1's Post Kid2's Post
Graduation Graduation
6

Retirement

Kid1's
marriage

8

7

Kid2's
marriage

9
240,000

300,000
500,000
500,000
50,000

50,000
200,000

500,000

-

300,000

-

-

-

TOTAL
ASSET
UTILISED

10

260,000

2,100,000

Property
Purchase

SURPLUS

500,000
300,000
500,000
500,000
100,000
200,000

-

2,100,000

-
INSURANCE REQUIREMENT
This sheet shows how much insurance is required, such that, in case of any unfortunate circumstances:
All liabilities are taken care of, they do not devolve onto your family
Your family members life style is maintained
All goals are met.
Current Insurance Portfolio
Life Assured

COMPANY

Ram

*******

Start Date

Name of Plan

Jan 1, 01 ULIP

Sum Assured Policy Term

100000

12

Premium
paying
Term

Premium
Frequency

Premium

12

Q

50000

Maturity Date

Maturity
Value

Surrender Value

View

1-Jan-2022

Ram

Ram

*******

*******

*******

Jan 1, 01 Term Plan

Jan 1, 01 Money Back Plan

TOTAL SUM ASSURED

250000

1000000+
rider 50 lakhs

15

150000

20

10000000

20

5

20

Y

Y

M

Surrender

1-Jan-2022

20

500000 ********

500000

Continue

1-Jan-2022

Jan 1, 01 Traditional Plan

Surrender

1-Jan-2022

Ram

500000 ********

500000

Continue

50000

50000

50000
RECOMMENDATIONS
Please see below for your Insurance Human Life Value calculation.
HUMAN LIFE VALUE - INSURANCE REQUIREMENT
Monthly Expenditure on Wife (Rs.)
Dependancy Period (Years)

40,000
32

Monthly Expenditure on kid 2 (Rs.)
Dependancy Period (Years)

10,000
20

Goal 1

0

Goal 1 (School Expenses)

Goal 2

0

Goal 2 (Graduation)

3,000,000

0

Goal 3 (Marriage)

2,500,000

Human Life Value

8,627,773

Goal 3
Human Life Value
Monthly Expenditure on Kid 1 (Rs.)
Dependancy Period (Years)

17,833,220
10,000

Monthly Expenditure on other dependent(Rs.)

0

Dependancy Period (Years)

0

500,000

Goal 1

0

Goal 2 (Graduation)

3,000,000

Goal 2

0

Goal 3 (Marriage)

1,000,000

Goal 3

0

Human Life Value

6,701,470

Human Life Value

0

Outstanding Loans

4,000,000

Total Human Life Value

Rs 37,162,463

Rs 10,000,000

Goal 1 (School Expenses)

17

500,000

Other Liabilities

0

Contingency Funds

0

Less: Current Life insurance (Total Sum assured of
insurance policies)

Inflation in household expenditure

7

Less: Current Assets

Return on low risk securities

6

Additional Cover required

COMMENTS:

*********************************************************************

Rs 7,100,000
Rs 20,062,463
18
CASH FLOW FOR MR.AJAY SHARMA
Inflation in Household/Personal Expenditure
Inflation in Educational Expenditure

Growth rate in salary p.a.
Rent increase in %

7%
10%
10%
3%

Income
Year

Your Age
Salary

Rental
Income

Total Annual
Income

Expenses
Household

Personal
Expenses

kid's School
Fees

Medical
Insurance

Existing
Insurance

Insurance
Buffer

Total Annual
Expenses

Free Cash

2013

36

2,000,000

180,000

2,180,000

200,000

100,000

50,000

25,000

125,000

25,000

525,000

1,655,000

2014

37

2,200,000

185,400

2,385,400

214,000

107,000

55,000

25,000

125,000

25,000

551,000

1,834,400

2015

38

2,420,000

190,962

2,610,962

228,980

114,490

120,500

25,000

125,000

25,000

638,970

1,971,992

2016

39

2,662,000

196,691

2,858,691

245,009

122,504

132,550

25,000

125,000

25,000

675,063

2,183,628

2017

40

2,928,200

202,592

3,130,792

262,159

131,080

145,805

25,000

125,000

25,000

714,044

2,416,748

2018

41

3,221,020

208,669

3,429,689

280,510

140,255

160,386

25,000

125,000

25,000

756,151

2,673,538

2019

42

3,543,122

214,929

3,758,051

300,146

150,073

176,424

25,000

125,000

25,000

801,643

2,956,408

2020

43

3,897,434

221,377

4,118,811

321,156

160,578

194,066

25,000

125,000

25,000

850,801

3,268,011

2021

44

4,287,178

228,019

4,515,196

343,637

171,819

213,473

25,000

125,000

25,000

903,929

3,611,267

2022

45

4,715,895

234,859

4,950,755

367,692

183,846

234,820

25,000

125,000

25,000

961,358

3,989,396

2023

46

5,187,485

241,905

5,429,390

393,430

196,715

258,302

25,000

125,000

25,000

1,023,448

4,405,942

2024

47

5,706,233

249,162

5,955,396

420,970

210,485

284,133

25,000

125,000

25,000

1,090,588

4,864,807

2025

48

6,276,857

256,637

6,533,494

450,438

225,219

312,546

25,000

125,000

25,000

1,163,203

5,370,290

2026

49

6,904,542

264,336

7,168,878

481,969

240,985

343,801

25,000

125,000

25,000

1,241,754

5,927,124

2027

50

7,594,997

272,266

7,867,263

515,707

257,853

378,181

25,000

125,000

25,000

1,326,741

6,540,522

2028

51

8,354,496

280,434

8,634,930

551,806

275,903

415,999

25,000

125,000

25,000

1,418,708

7,216,222

2029

52

9,189,946

288,847

9,478,793

590,433

295,216

457,599

25,000

125,000

25,000

1,518,248

7,960,545

2030

53

10,108,941

297,513

10,406,453

631,763

315,882

503,358

25,000

125,000

25,000

1,626,003

8,780,450

2031

54

11,119,835

306,438

11,426,273

675,986

337,993

553,694

25,000

125,000

25,000

1,742,674

9,683,599

2032

55

12,231,818

315,631

12,547,449

723,306

361,653

609,064

25,000

125,000

25,000

1,869,022

10,678,427

2033

56

13,455,000

325,100

13,780,100

773,937

386,968

669,970

25,000

125,000

25,000

2,005,875

11,774,225

2034

57

14,800,500

334,853

15,135,353

828,112

414,056

736,967

25,000

125,000

25,000

2,154,136

12,981,217

2035

58

16,280,550

344,899

16,625,448

886,080

443,040

810,664

25,000

125,000

25,000

2,314,784

14,310,664
19
FREE CASH ALLOCATION FOR MR.AJAY SHARMA
Here we see how your free cash flows (all cash inflows minus all cash outflows) are allocated across your life goals.

FREE CASH ALLOCATION TABLE
Year

Age

Free Cash

100,000

Property
Purchase

Car Purchase

Kid1's
Graduation

kid2's
Graduation

Kid1's Post
Graduation

Kid2's Post
Graduation

Kid1's
marriage

Kid2's
marriage

Annual Net
Free Cash
Flow
1,555,000

Cumulative
Free Cash
Flow
1,555,000

100,000

1,034,400

2,589,400
3,611,392

Retirement

2013

36

1,655,000

2014

37

1,834,400

2015

38

1,971,992

500,000

50,000

100,000

200,000

100,000

1,021,992

2016

39

2,183,628

500,000

50,000

100,000

200,000

100,000

1,233,628

4,845,020

2017

40

2,416,748

500,000

50,000

100,000

200,000

100,000

866,748

5,711,768

2018

41

2,673,538

500,000

50,000

200,000

400,000

100,000

200,000

100,000

1,123,538

6,835,306

2019

42

2,956,408

500,000

50,000

200,000

400,000

1,000,000

400,000

100,000

200,000

100,000

6,408

6,841,714

2020

43

3,268,011

500,000

50,000

200,000

400,000

1,000,000

400,000

100,000

200,000

100,000

318,011

7,159,725

2021

44

3,611,267

500,000

50,000

200,000

400,000

1,000,000

400,000

200,000

200,000

100,000

561,267

7,720,992

2022

45

3,989,396

500,000

50,000

200,000

400,000

1,000,000

800,000

200,000

200,000

100,000

539,396

8,260,389

2023

46

4,405,942

500,000

50,000

200,000

400,000

1,000,000

800,000

200,000

200,000

100,000

955,942

9,216,331

2024

47

4,864,807

500,000

50,000

200,000

400,000

1,000,000

800,000

200,000

200,000

800,000

714,807

9,931,138

2025

48

5,370,290

500,000

50,000

200,000

1,000,000

300,000

200,000

1,500,000

1,620,290

11,551,428

2026

49

5,927,124

500,000

50,000

200,000

1,000,000

300,000

200,000

2,000,000

1,677,124

13,228,553

2027

50

6,540,522

500,000

50,000

300,000

200,000

3,500,000

1,990,522

15,219,074

2028

51

7,216,222

500,000

200,000

5,000,000

1,166,222

16,385,297

2029

52

7,960,545

500,000

200,000

6,000,000

1,260,545

17,645,842

2030

53

8,780,450

500,000

200,000

7,000,000

1,080,450

18,726,292

2031

54

9,683,599

8,000,000

1,683,599

20,409,891

2032

55

10,678,427

9,000,000

1,678,427

22,088,318

2033

56

11,774,225

10,000,000

1,774,225

23,862,543

2034

57

12,981,217

11,000,000

1,981,217

25,843,760

2035

58

14,310,664

12,000,000

2,310,664

28,154,424

500,000

8,500,000

200,000

200,000

400,000

50,000

700,000

300,000

2,000,000

2,400,000

6,000,000

6,400,000

2,600,000

3,400,000

76,900,000

28,154,424
20
GOAL: HOUSE
You require a corpus of Rs***lakhs in today's terms, for the buying a flat ***** year
LOAN Bank will be taken.
Cost of Flat today

Rs

Future value of Flat

5,000,000

5,000,000

EMI CALCULATION:::
Loan Amount
ROI
No. of Years
EMI amount

5,000,000
11.00%
20
50000

AMORTIZATION TABLE:::

Year
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

Installment No
1
12
24
36
48
60
72
84
96
108
120
132
144
156
168
180

Installment Date
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
Total:

Opening Balance
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********

EMI
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********

Loan
Outstanding
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********
*********

10,000,000

Comments::
We have assumed that you will go for the Housing Loan (EMI starts) from April-2013. This is a 20 year Loan
21
GOAL: PURCHASE OF CAR
You require a corpus of ******** in today's terms, for the buying a Car in the year 20**

CAR PURCHASE CALCULATION
COST OF THE CAR

500,000

EMI CALCULATION:::

Loan Amount
500,000
ROI
10.00%
No. of Years
4
EMI amount
25000
Total Int Amount
*******
Total amount (principal+interest)
***********

AMORTIZATION TABLE:::
Year
Principal Amount
1 *******
2 *******
3 *******
4 *******

Interest Amount
*******
*******
*******
*******

Balance Amount
*******
*******
*******
*******

Comments:::
Since it is a depreciating asset, it is always good to go for Loan rather than deploying your saved money, so go with four year tenure, EMI
comes to 25000
22
GOAL: Kid 1's Graduation
You require a corpus of Rs.** lakhs in today's terms, for your kid's graduation which is in the year 20**
EDUCATION CORPUS CALCULATION
Cost of education today
Rs
Years to the goal
yrs
Inflation in education fees p.a.
%
COST OF THE EDUCATION

Kid1's Graduation

1,000,000
10.0
10.0
2,593,742

3000000
2500000
2000000

Corpus achievable
From new investments
From existing investments

2,700,692
1500000
2,339,265Required corpus
2,593,742
361,426
Surplus
106,9491000000
500000

Required corpus (Rs)
Achievable Corpus (Rs)
Surplus (Rs)

2,593,742
2,700,692
106,949

0
Required corpus (Rs)

NEW INVESTMENTS TOWARDS Kid 1's GRADUATION
Asset Allocation
Annual
Year
Son's Age
investments
Equity
Debt
Gold
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

6
7
8
9
10
11
12
13
14
15
16
17
18
19

200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000

80%
80%
80%
60%
60%
60%
40%
40%
40%
25%
25%
25%
0%
0%

20%
20%
20%
40%
40%
40%
60%
60%
60%
75%
75%
75%
100%
100%

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

EXISTING INVESTMENTS MADE TOWARDS Kid 1's GRADUATION
Asset Allocation
Year
Investment
Amount
Equity
Debt
Gold
100,000

Surplus (Rs)

Accumulated Value
Equity

Debt

Total

Gold

75%

25%

0%

212,377
189,622
112,870
100,777
93,312
54,000
50,000
46,296
-

126,950
117,546
163,259
151,165
139,968
162,000
150,000
138,889
171,468
158,766

-

339,327
307,168
276,129
251,942
233,280
216,000
200,000
185,185
171,468
158,766

859,254

2,000,000

2013 Mutual Funds

Achievable Corpus
(Rs)

1,480,011

-

2,339,265

Accumulated Value
Equity
293,436

Debt
67,991

Total
Gold
-

361,426
361,426

Comments
*********************************************************************************************************
23
GOAL: Kid 2's GRADUATION
You require a corpus of Rs. ** lakhs in today's terms, for your kid's graduation in the year 20**

EDUCATION CORPUS CALCULATION
Cost of education today
Rs
Years to the goal
yrs
Inflation in education fees p.a.
%
Future value of education fund (Rs)
Corpus achievable
From existing investments
From New investments

1,000,000
13
10
3,452,271

3,565,627
3,565,627

Required corpus (Rs)
Achievable Corpus (Rs)
Surplus (Rs)

Surplus

Kid2's Graduation
4000000
3000000

113,356

2000000

1000000
0

3,452,271
3,565,627
113,356

Required
corpus (Rs)

NEW INVESTMENTS TOWARDS Kid2'S GRADUATION
Asset Allocation
Annual
Year
Kid2's Age
investments
Equity
Debt
Gold
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028

3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

400,000
400,000
400,000
400,000
400,000
400,000
-

80%
80%
80%
80%
80%
60%
60%
60%
60%
40%
40%
40%
25%
25%
0%
0%

20%
20%
20%
20%
20%
40%
40%
40%
40%
60%
60%
60%
75%
75%
100%
100%

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

EXISTING INVESTMENTS MADE TOWARDS kid2'S GRADUATION
Asset Allocation
Annual
Year
Investment
Equity
Debt
Gold
investments
-

Surplus (Rs)

Accumulated Value
Equity

Debt

Total

Gold

75%

25%

0%

475,723
424,753
379,244
225,740
201,554
186,624
-

274,212
253,900
235,092
326,517
302,331
279,936
-

-

749,935
678,653
614,336
552,258
503,885
466,560
-

1,893,639

2,400,000

2013 Mutual Funds

Achievable
Corpus (Rs)

1,671,988

-

3,565,627

Accumulated Value
Equity

Debt
-

Total
Gold

-

-

-

Comments
*************************************************************************************************************************************
****
24
GOAL: Kid1's Post Graduation
You require a corpus of Rs.15 lakhs in today's terms, for your kid 1's post graduation which is in the year 2030

EDUCATION CORPUS CALCULATION
Cost of education today
Rs
Years to the goal
yrs
Inflation in education fees p.a.
%
COST OF THE EDUCATION

Corpus achievable
From new investments
From existing investments

Kid 1's PG

2,000,000
14.0
10
7,125,702

7,400,426
7,400,426 Required corpus7,125,702
Surplus
274,724

Required corpus (Rs)
Achievable Corpus (Rs)
Surplus (Rs)

7,125,702

7,125,702
7,400,426
274,724

Required
corpus (Rs)

7,400,426

274,724
Achievable
Corpus (Rs)

Surplus (Rs)

NEW INVESTMENTS TOWARDS kid 1's PG
Year
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030

Annual
investments

Kid 1 age
8
9
10
11
12
13
14
15
16
17
18
19
20
21

1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
6,000,000

Asset Allocation

Accumulated Value

Equity

Debt

Gold

80%
60%
60%
60%
60%
40%
40%
40%
40%
25%
25%
0%
0%
0%

20%
40%
40%
40%
40%
60%
60%
60%
60%
75%
75%
100%
100%
100%

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

Equity

Debt

Total

Gold

632,073
564,351
503,885
291,600
270,000
-

881,597
816,293
755,827
874,800
810,000
1,000,000
-

-

1,513,670
1,380,644
1,259,712
1,166,400
1,080,000
1,000,000
-

2,261,909

5,138,517

0

7,400,426

Comments

***************************************************************************************************************************
*************************************************************************************************************
25
GOAL: Kid 2's POST GRADUATION
You require a corpus of Rs. 20 lakhs in today's terms, for your Kid 2's post graduation in the year 20**

EDUCATION CORPUS CALCULATION
Cost of education today
Rs
Years to the goal
yrs
Inflation in education fees p.a.
%
Future value of education fund (Rs)

Corpus achievable
From existing investments
From New investments

6,810,374
6,810,374

1,500,000
17
10
7,016,674

Surplus

Kid 2's PG

-206,299
10000000
Series2

5000000

Required corpus (Rs)
Achievable Corpus (Rs)
Surplus (Rs)

7,016,674
6,810,374
-206,299

0
-5000000

NEW INVESTMENTS TOWARDS Kid 2'S POST GRADUATION
Asset Allocation
Annual
Year
Ishrat's Age
investments
Equity
Debt
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028

6
7
8
9
10
11
12
13
14
15
16
17

400,000
400,000
400,000
400,000
400,000
800,000
800,000
800,000
4,400,000

Series1

80%
80%
60%
60%
60%
60%
60%
40%
40%
40%
40%
25%

20%
20%
40%
40%
40%
40%
40%
60%
60%
60%
60%
75%

Required
corpus (Rs)

Achievable
Corpus (Rs)

Surplus (Rs)

Accumulated Value
Gold
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

Equity

Debt

Total

Gold

596,748
532,810
475,723
283,169
252,829
451,481
403,108
233,280

319,841
296,149
274,212
380,850
352,639
653,035
604,662
699,840

-

916,588
828,959
749,935
664,019
605,468
1,104,515
1,007,770
933,120

3,229,148

3,581,226

-

6,810,374
29
GOAL: kid1'S MARRIAGE
You require a corpus of Rs.** lakhs in today's terms, for kid1's marriage which is in the year 20**
MARRIAGE CORPUS CALCULATION
Cost of marriage today
Years to goal
Inflation in marriage costs p.a.
Future value of marriage fund (Rs)

Rs
yrs
%

Corpus achievable
From New Investments
From existing investments

Kid 1's Marriage

1,000,000
23
10.0
8,954,302

10000000
8000000
6000000
4000000
2000000
0

9,970,017
9,676,444 Required corpus 8,954,302
293,573
Surplus
1,015,715

Required corpus (Rs)
Achievable Corpus (Rs)
Surplus (Rs)

8,954,302
9,970,017
1,015,715

Required Achievable Surplus (Rs)
corpus (Rs) Corpus (Rs)

EXISTING INVESTMENTS TOWARDS kid1S MARRIAGE
Year

Annual
investments

Investment

2013 Gold

50,000

Asset Allocation

Accumulated Value

Equity

Debt

Gold

0%

0%

Equity

100%

Debt

Gold

Total

-

-

293,573

293,573

0

0

293,573

293,573

NEW INVESTMENTS TOWARDS Kid1'S MARRIAGE
Year

Annual
investments

Ishrat's Age

Asset Allocation

Accumulated Value

Equity

Debt

Gold

2013
2014
2015

2
3
4

100,000

60%
60%
60%

0%
0%
0%

40%
40%
40%

2016

5

100,000

60%

0%

40%

2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036

6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

100,000
100,000
100,000
100,000
200,000
200,000
200,000
200,000
300,000
300,000
300,000
300,000
2,600,000

60%
60%
60%
60%
60%
60%
60%
60%
60%
60%
60%
60%
40%
40%
40%
40%
40%
40%
0%
0%

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
100%
100%

40%
40%
40%
40%
40%
40%
40%
40%
40%
40%
40%
40%
60%
60%
60%
60%
60%
60%
0%
0%

Comments:

There might be deficit in the amount.

Equity

Debt

Gold

Total

605,030
539,002

-

201,353
186,438

806,383
725,440

480,180
427,777
381,093
339,504
604,907
538,893
480,083
427,691
571,524
509,153
453,588
404,088
6,762,513

-

172,628
159,841
148,001
137,038
253,774
234,975
217,570
201,454
279,797
259,071
239,881
222,112
2,913,931

652,808
587,618
529,094
476,542
858,681
773,868
697,653
629,144
851,321
768,224
693,469
626,199
9,676,444
GOAL: kid 2'S MARRIAGE
You require a corpus of Rs.** lakhs in today's terms, for kid 2's marriage which is after ** years.

MARRIAGE CORPUS CALCULATION
Cost of marriage today
Years to goal
Inflation in marriage costs p.a.
Future value of marriage fund (Rs)

Rs
yrs
%

1,000,000
24
10.0
9,849,733

kid2's Marriage
Achievable
Corpus (Rs)

16000000
14000000
12000000

Corpus achievable
From New Investments
From existing investments

13,523,959
10000000
13,523,959Required corpus 9,849,733 8000000
Surplus
3,674,226 6000000

Required corpus (Rs)
Achievable Corpus (Rs)
Surplus (Rs)

Required
corpus (Rs)

Surplus (Rs)

4000000

9,849,733
13,523,959
3,674,226

2000000
0
Required corpus
(Rs)

Achievable Corpus
(Rs)

Surplus (Rs)

NEW INVESTMENTS TOWARDS Kid 2'S MARRIAGE
Year

kid 2 age
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032

Annual investments
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
200,000
3,300,000

Equity
75%
75%
50%
50%
50%
50%
50%
50%
50%
25%
25%
25%
25%
25%
25%

Asset Allocation
Debt
10%
10%
20%
20%
20%
20%
20%
20%
20%
25%
25%
25%
25%
25%
25%

Gold
15%
15%
30%
30%
30%
30%
30%
30%
30%
50%
50%
50%
50%
50%
50%

Accumulated Value
Equity
Debt
1,034,267
79,920
615,635
148,001
549,674
137,038
490,781
126,887
438,197
117,488
391,247
108,785
349,328
100,727
311,900
93,266
139,241
107,946
124,322
99,950
111,002
92,547
99,109
85,691
88,490
79,344
79,009
73,466
8,943,250

1,724,495

Gold

Total

119,881
222,001
205,557
190,330
176,232
163,177
151,090
139,898
215,892
199,900
185,093
171,382
158,687
146,933

1,234,068
985,637
892,269
807,998
731,916
663,210
601,145
545,064
463,080
424,173
388,642
356,183
326,521
299,408

2,856,214

13,523,959

Comments:

Expected to be your last financial Goal, yes by this time you would have retired from the services. So, as mentioned in the previous goal, make
sure that you set aside money towards this particular goal… and meeting the expenses without any hassle.
26
GOAL: RETIREMENT
This sheet will show what corpus is required to meet all life's retirement related expenses, starting at time of retirement, going on till age 85
This is separate from the corpus that is required to meet your other goal expenses.
Given below are the following components
Retirement corpus calculation
Income from pension and Rent
Existing investments allocated towards retirement goal

RETIREMENT

Based on the calculations below, a corpus of Rs. 8.2 crores approximately is required at retirement

Achievable
corpus

140,000,000
120,000,000

Corpus achievable
From new investments
From existing investments
From EPF

134,937,758
116,607,784
18,329,974
12%
76,796,584
134,937,758
58,141,174

Required Corpus
Achievable corpus
Surplus / Deficit (Rs)

1. RETIREMENT CORPUS CALCULATION
Age (at present)
Retirement planned at age…
Life expectancy

100,000,000

40,000,000
20,000,000
0
Required
Corpus

yrs
yrs
yrs

35
58
85

Retirement Monthly Expenditure (in today's terms)
Input
Time to retirement
Expected inflation per year
Input
Monthly Expenditure - at retirement age
Annual Expenditure at ret. Age

Rs
yrs
%
Rs
Rs

50,000
23
7.00
237,026
2,844,318

Annual expenditure at retirement

Rs

2,844,318

%
yrs
%
Rs

7.00
27
7.00
76,796,584

Input
Input

Surplus / Deficit
(Rs)

60,000,000

Input
Input
Input

Post retirement inflation
Post retirement life expectancy
Expected return post retirement
Corpus required at time of retirement

Required Corpus

80,000,000

Achievable
corpus

Surplus / Deficit
(Rs)
2.EPF VALUE AT TIME OF RETIREMENT

Year

EPF contribution

Working
years left

Corpus at time
of Retirement

Your Age

2013

500,000

23

3,264,780

33

2014

110,000

22

661,983

34

2015

121,000

21

671,135

35

2016

133,100

20

680,413

36

2017

146,410

19

529,496

37

2018

161,051

18

544,341

38

2019

177,156

17

559,603

39

2020

194,872

16

575,293

40

2021

214,359

15

591,423

41

2022

235,795

14

608,005

42

2023

259,374

13

625,052

43

2024

285,312

12

642,577

44

2025

313,843

11

660,593

45

2026

345,227

10

679,114

46

2027

379,750

9

698,155

47

2028

417,725

8

717,729

48

2029

459,497

7

737,852

49

2030

505,447

6

758,540

50

2031

555,992

5

779,807

51

2032

611,591

4

801,671

52

2033

672,750

3

824,148

53

2034

740,025

2

847,255

54

2035

814,027

1

871,009

55

Corpus at time of retirement (Rs)

18,329,974

Total corpus at time of retirement = Rs. 1.8 cr approximately
Growth rate in salary p.a.

10%
4.NEW INVESTMENTS TOWARDS RETIREMENT
Year

Annual
investments

Your Age
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57

100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
800,000
800,000
1,000,000
3,500,000
5,000,000
6,000,000
7,000,000
8,000,000
9,000,000
10,000,000
11,000,000
12,000,000

Asset Allocation
Equity
Debt
80%
80%
80%
80%
80%
75%
75%
50%
50%
50%
50%
50%
50%
50%
50%
25%
25%
25%
25%
25%
0%
0%
0%

20%
20%
20%
20%
20%
25%
25%
50%
50%
50%
50%
50%
50%
50%
50%
75%
75%
75%
75%
75%
100%
100%
100%

Gol
d
0%

Accumulated Value
Equity
Debt
Gold

Total

75,200,000

972,124
867,968
774,971
691,939
617,802
517,134
461,727
274,837
245,390
219,099
195,624
1,397,312
1,247,600
1,392,411
4,351,284
2,775,054
2,973,272
3,097,158
3,160,365
3,174,474
-

117,429
108,731
100,677
93,219
86,314
99,900
92,500
171,297
158,608
146,860
135,981
1,007,268
932,656
1,079,462
3,498,258
6,940,988
7,712,209
8,331,090
8,815,968
9,183,300
12,597,120
12,830,400
12,960,000

-

1,089,553
976,699
875,648
785,158
704,116
617,034
554,227
446,134
403,999
365,958
331,605
2,404,580
2,180,256
2,471,873
7,849,542
9,716,042
10,685,481
11,428,248
11,976,334
12,357,775
12,597,120
12,830,400
12,960,000

29,407,546

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

87,200,238

0

116,607,784

5. EXISTING INVESTMENTS MADE TOWARDS RETIREMENT
Year

Investment
2013 Direct equity

Annual
investments
-

Asset Allocation
Equity

Debt

75%

25%

Accumulated Value
Gol
d
0%

Equity

Debt
-

Total
Gold

-

-

Comments:
This is the biggest non-negotiable goal, you can borrow money for any other Goal incase requied, whereas the Retirement Goal is a Unique and you need to make sure that you
are on the right track to achieve this particular Goal. Revisit your investments towards this goal time-to-time.

-
Recommendations for the year 2013
From the Cash Flow Analysis, the free cash on hand will be:::
Year
2013

Income
**********

Expenses
*********

Free Cash
********

Goalwise FRESH INVESTMENTS
Fresh Investments (Retirement, Kid's Graduation and marriage)

Goals

Fresh
Investments

Equity Recommendations sip per
Debt
month
Recommendations

Annual Investments
Equity

Debt

Gold
Equity

Debt

Gold

scheme 1

scheme 2

Scheme 3

Gold
Scheme 4

Retirement

*******

60%

40%

0%

*******

*******

*******

*******

*******

*******

*******

Kid's Graduation

*******

70%

30%

0%

*******

*******

*******

*******

*******

*******

*******

kid's Marriage

*******

50%

25%

25%

*******

*******

*******

*******

*******

*******

*******

TOTAL

********

********

********

********

rounded off

********

********

********

********

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Your Financial Planning Worksheet

  • 1. FINANCIAL PLANNING REPORT FOR MR.AJAY SHARMA Prepared By
  • 2. TABLE OF CONTENTS Contents: Page nos. Assumptions & Risk Profile -------------------------------------------------------------------------------------------------------------------------------------------3 Asset Allocation Bucket --------------------------------------------------------------------------------------------------------------------------------------------------4 Existing Investments Review ----------------------------------------------------------------------------------------------------------------------------5 Hold & Sell ------------------------------------------------------------------------------------------------------------------------------------10 Equity Review -------------------------------------------------------------------------------------------------------------------------------------12 Goal Calendar ----------------------------------------------------------------------------------------------------------------------------------------------------------13 Net Worth -----------------------------------------------------------------------------------------------------------------------------------------------------------14 Protection Analysis -------------------------------------------------------------------------------------------------------------------------------------------------16 Cash Flow ----------------------------------------------------------------------------------------------------------------------------------------------------------------18 Free Cash Allocation ---------------------------------------------------------------------------------------------------------------------------------------------19 Goal 1 ---------------------------------------------------------------------------------------------------------------------------------------------------20 Goal 2 --------------------------------------------------------------------------------------------------------------------------------------------------21 Goal 3 ----------------------------------------------------------------------------------------------------------------------------------------------------------22 Goal 4 -----------------------------------------------------------------------------------------------------------------------------------------------------------------23 Goal 5 -----------------------------------------------------------------------------------------------------------------------------------------24 Goal 6 ---------------------------------------------------------------------------------------------------------------------------------------25 Goal 7 ---------------------------------------------------------------------------------------------------------------------------------------26 Goal 8 ---------------------------------------------------------------------------------------------------------------------------------------29 Goal 9 -------------------------------------------------------------------------------------------------------------------------------------------------30 Recommendations ----------------------------------------------------------------------------------------------------------------------------------------------------------31
  • 3. 3 ASSUMPTIONS Any change in this data will have a major impact on the cash flow sheets and required corpuses for different goals, due to the power of compounding and the time value of money. ASSUMPTIONS FOR THE CALCULATIONS Return from Equities (post tax) 15% Return from Debt (post tax) - ST 7% Return from Debt (post tax) - LT 8% Return from Gold (post tax) 8% Rate of Inflation (household) 7% Post Retirement Rate of Inflation 7% Inflation for Healthcare, Travel 10% Inflation for Educational Fee 10% Life Expectancy (years) 85 Increase in salary income (self) 10% Retirement Age 58 YOUR RISK PROFILE LOW LOW TO MEDIUM MEDIUM MEDIUM TO HIGH HIGH YES
  • 4. 4 ASSET ALLOCATION ESTIMATES: These are the suggested asset allocations for different time buckets, based on your risk appetite (shown in the previous page) as determined in our Financial Risk Assessment Questionnaire. For example, when your goal is more than 10 years away, your investments can be channelised 75% into equity, 10% debt and 15% gold. When your goal is less than 3 years away, it is recommended to be 100% into debt (fixed income), and have no equity exposure. This is done for all goals, to derisk and protect the corpus. ASSET ALLOCATION BUCKETS Years to goals Equity Debt Gold <=3years 0% 100% 0% 4 years 45% 45% 10% 5 years 55% 35% 10% 6-7 years 65% 25% 10% 8-10 years 70% 20% 10% > 10 years 75% 10% 15% Asset Allocation will be maintained throughout the Goal period , so that whenever there is a significant profit, that portion alone will be moved to debt fund to make the asset allocation unchanged. Benefits of Asset Allocation::: "A proper asset allocation can outperform the market and can make your life goals acheiveable easily and even at the time of market correction, there wont be any significant loss in the investment.. So arriving at a proper asset allocation is half the work done and monitering the same will complete the job" Assume, an individual invested an amount of Rs.100 in the year 2000, How does his fund grown over the period of last 12 years when the whole amount invested in sensex (equity market), compared with the same amount being investment with the asset allocation of 60:30:10 (Equity:Debt:Gold), the returns would be::::::::::::::::::::::::::::::::::::: YEAR SENSEX G-Sec FUND GOLD ASSET ALLOCATION SENSEX (value at the (value at the end of the end of the year) year) 2000 -11.52% 13.06% 3.92% 88.5 2001 -18.94% 30.21% -2.27% 71.7 97.4 97.4 2002 -12.70% 23.47% 16.05% 62.6 103.9 2003 63.64% 13.38% 12.22% 102.5 136.5 2004 17.12% -0.05% 4.46% 120.0 147.6 2005 46.29% 3.07% 19.66% 175.6 185.5 2006 26.64% 5.14% 20.00% 222.3 220.2 2007 41.48% 4.85% 28.57% 314.5 284.4 2008 -49.56% 33.09% 15.74% 158.7 218.1 2009 73.89% -3.10% 16.00% 275.9 290.3 2010 17.58% 5.04% 27.59% 324.4 333.4 2011 -22.02% 3.59% 42.70% 252.9 312.6 2012 24.23% 8.02% 12.80% 314.2 365.3
  • 5. 5 EXISTING INVESTMENTS EVALUATION S. NO 1 MUTUAL FUND HOLDING as on *********** CURRENT MUTUAL FUND SCHEME NAME UNITS Scheme 1 2 Scheme 1 3 Scheme 1 4 Scheme 1 5 Scheme 1 6 Scheme 1 7 Scheme 1 8 Scheme 1 9 Scheme 1 10 Scheme 1 xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx TOTAL CURRENT NAV (INR) xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx CURRENT VALUE (INR) FUND CATEGORY 100,000 Debt 100,000 Diversified Equity 100,000 Debt 100,000 Diversified Equity 100,000 Debt 100,000 Diversified Equity 100,000 Debt FUND SUB CATEGORY RISK CATEGORY Liquid Low Large and midcap Medium Income Low Thematic High MIP Low Tax Saver Medium FMP Low 100,000 Diversified Equity Midcap High 100,000 Debt Liquid Low Largecap Medium 100,000 Diversified Equity 1,000,000
  • 6. 6 GRAPHICAL PRESENTATION OF YOUR INVESTMENTS CURRENT AMC WISE EXPOSURE You are currently holding Mutual Funds from 10 Fund Houses. Description on the Fund House and the selected Schemes… S. NO 1 2 3 4 5 6 7 8 9 10 AMC AMOUNT (INR) 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 1,000,000.00 AMC 1 AMC 2 AMC 3 AMC 4 AMC 5 AMC 6 AMC 7 AMC 8 AMC 9 AMC 10 WEIGHTAGE 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% 100% Fund Houses AMC 9 11% AMC 8 11% AMC 2 11% AMC 1 12% AMC 7 11% AMC 3 11% AMC 6 11% AMC 5 11% AMC 4 11%
  • 7. CURRENT PORTFOLIO RISK ANALYSIS Majority of your funds fall in lowrisk bracket. It is recommended to invest according to your risk appetite. S. NO RISK CATEGORY 1 Low 2 Medium 3 High TOTAL AMOUNT (INR) 500,000 300,000 200,000 1,000,000 WEIGHTAGE 50% 30% 20% 100% CURRENT PORTFOLIO RISK ANALYSIS Low 50% Medium 30% High 20%
  • 8. CURRENT PORTFOLIO CATEGORY HOLDING Your portfolio majorly consists of Diversified Equity schemes. S. NO CATEGORY 1 Diversified Equity 2 Debt TOTAL AMOUNT (INR) 500,000 500,000 1,000,000 WEIGHTAGE 50% 50% 100% Portfolio Category Holding Debt 50% Diversified Equity 50%
  • 9. CURRENT PORTFOLIO SUB-CATEGORY HOLDING S. NO CATEGORY AMOUNT (INR) 1 Income 100,000 2 Largecap 100,000 3 Midcap 100,000 4 Tax Saver 100,000 5 Liquid 200,000 6 Thematic 100,000 7 Largecap and midcap 100,000 8 MIP 100,000 9 FMP 100,000 TOTAL 1,000,000 WEIGHTAGE 10% 10% 10% 10% 20% 10% 10% 10% 10% 100.00% As a whole, your portfolio holds larger percentage in large-cap funds, which is good to hold Portfolio Sub Catagory MIP 10% Income 10% Largecap 10% FMP 10% Midcap 10% Largecap and midcap 10% Thematic 10% Tax Saver 10% Liquid 20%
  • 10. MUTUAL FUND PORTFOLIO REVIEW 10 S. NO MUTUAL FUND SCHEME RECOMMENDATION COMMENTS 1 Scheme 1 Hold Decent perfoming liquid fund, diversification on the liquid fund is too high, so better you can opt for any one liquid funds and park your liquid money. 2 Scheme 1 Hold The Tax saver is locked in for 3 yrs, so Hold till the lock-in gets over. 3 Scheme 1 Hold A large cap fund with relatively low risk, continue to hold 4 Scheme 1 Hold One of the best funds currently available, continue to hold this fund. Fresh additions can be considered. 5 Scheme 1 Sell Not performing well over the last 24 months, also the portfolio doesn’t look attractive, so you can sell 6 Scheme 1 Hold One of the best funds currently available, continue to hold this fund. Fresh additions can be considered. 7 Scheme 1 Hold Fresh Investments can be considered, good fund to hold 8 Scheme 1 Sell Risk fund at the same time, the track record is not good, so you can come out of this fund 9 Scheme 1 Hold A large cap fund with a good track record, launched in may-2008, the fund has outperformed the market and its peer groups. Continue to hold 10 Scheme 1 Hold Even you can make additional fresh investments into this fund
  • 11. 12 EQUITY PORTOFLIO : as on ************** Script 1 10 Investment Amount (Rs.) 25,000.00 Script 2 10 25,000.00 30,000.00 5,000.00 Script 3 10 25,000.00 30,000.00 5,000.00 Script 4 10 25,000.00 30,000.00 5,000.00 Script 5 10 25,000.00 30,000.00 5,000.00 Script 6 10 25,000.00 30,000.00 5,000.00 Script 7 10 25,000.00 30,000.00 5,000.00 Script 8 10 25,000.00 30,000.00 5,000.00 Script 9 10 25,000.00 30,000.00 5,000.00 Script 10 10 25,000.00 30,000.00 5,000.00 250,000.00 300,000.00 50,000.00 Name Of Company Quantity (No.) Present Value Market Value Profit/Loss (Rs.) (Rs.) 30,000.00 5,000.00 COMMENTS:: ******************************************************************************************************************** *********************
  • 12. 13 GOAL CALENDAR FOR Mr.Ajay Sharma S. No. Your Age Year Goal 1 35 2012 Contingency fund(General) 2 39 2016 Property Purchase 3 43 2020 Car Purchase 4 47 2024 5 51 6 Value today (Rs) Value at time of Goal Amount goal (Rs) Achieved Surplus / (Deficit) Goal Status 250,000 250,000 260,000 10,000 Achieved 5,000,000 5,000,000 5,025,000 25,000 Achieved 500,000 500,000 550,000 50,000 Achieved Kid1's Graduation 1,000,000 4,000,000 4,100,000 100,000 Achieved 2028 kid2's Graduation 1,000,000 4,000,000 4,200,000 200,000 Achieved 51 2028 Kid1's Post Graduation 2,000,000 8,000,000 8,300,000 300,000 Achieved 7 55 2032 Kid2's Post Graduation 2,000,000 8,000,000 8,400,000 400,000 Achieved 8 54 2031 Kid1's marriage 1,000,000 4,000,000 4,500,000 500,000 Achieved 9 58 2035 Kid2's marriage 1,000,000 4,000,000 4,600,000 600,000 Achieved 10 60 2037 Retirement 50000 per month 100,000,000 100,700,000 700,000 Achieved Comments::: ************************************************************************************************ ************************************************************************************************ ************************************************************************************************ ***
  • 13. 14 CURRENT NET WORTH OF MR.Ajay Sharma COMMENTS Here we depict your current net worth. First your current net wealth, assets that are available and not available for the Plan are depicted. Then we consider your current liabilities. Finally given is your Net Worth. Your Net Worth as on Dec-2012 is approximately Rs. ******* crores 975374 CURRENT ASSETS OF MR.Ajay Sharma Particulars Amount (Rs) Weightage 800,000 300,000 500,000 11% 1,000,000 500,000 500,000 14% 100,000 1% PROPERTY House Flat 5,000,000 5,000,000 70% CASH cash at bank 200,000 200,000 3% EQUITY Direct equity Mutual funds DEBT Debt MFs EPF GOLD Grand Total 7,100,000 YOUR NET WORTH IS AS FOLLOWS Current Assets (Rs) 7,100,000 Current Liabilities (Rs) 4,000,000 NET WORTH (Rs) 3,100,000 Equity Debt Available (Y / N) Y Y equity debt gold cash land 14% 1% 3% 70% Y Y Y N Y 100.00% Networth 11% 53% 24% 8% 15% 11% 14% 1% 71% 3%
  • 14. ASSET TO GOAL MAPPING GOALS AMOUNT (Rs) Contingency fund(General ) 1 EXISTING ASSET Priority Mutual Funds Direct equity Debt MF PF Gold Cash in hand 500,000 300,000 500,000 500,000 100,000 200,000 Total 260,000 2 Car Purchase Kid1's Graduation kid2's Graduation 3 4 5 Kid1's Post Kid2's Post Graduation Graduation 6 Retirement Kid1's marriage 8 7 Kid2's marriage 9 240,000 300,000 500,000 500,000 50,000 50,000 200,000 500,000 - 300,000 - - - TOTAL ASSET UTILISED 10 260,000 2,100,000 Property Purchase SURPLUS 500,000 300,000 500,000 500,000 100,000 200,000 - 2,100,000 -
  • 15. INSURANCE REQUIREMENT This sheet shows how much insurance is required, such that, in case of any unfortunate circumstances: All liabilities are taken care of, they do not devolve onto your family Your family members life style is maintained All goals are met. Current Insurance Portfolio Life Assured COMPANY Ram ******* Start Date Name of Plan Jan 1, 01 ULIP Sum Assured Policy Term 100000 12 Premium paying Term Premium Frequency Premium 12 Q 50000 Maturity Date Maturity Value Surrender Value View 1-Jan-2022 Ram Ram ******* ******* ******* Jan 1, 01 Term Plan Jan 1, 01 Money Back Plan TOTAL SUM ASSURED 250000 1000000+ rider 50 lakhs 15 150000 20 10000000 20 5 20 Y Y M Surrender 1-Jan-2022 20 500000 ******** 500000 Continue 1-Jan-2022 Jan 1, 01 Traditional Plan Surrender 1-Jan-2022 Ram 500000 ******** 500000 Continue 50000 50000 50000
  • 16. RECOMMENDATIONS Please see below for your Insurance Human Life Value calculation. HUMAN LIFE VALUE - INSURANCE REQUIREMENT Monthly Expenditure on Wife (Rs.) Dependancy Period (Years) 40,000 32 Monthly Expenditure on kid 2 (Rs.) Dependancy Period (Years) 10,000 20 Goal 1 0 Goal 1 (School Expenses) Goal 2 0 Goal 2 (Graduation) 3,000,000 0 Goal 3 (Marriage) 2,500,000 Human Life Value 8,627,773 Goal 3 Human Life Value Monthly Expenditure on Kid 1 (Rs.) Dependancy Period (Years) 17,833,220 10,000 Monthly Expenditure on other dependent(Rs.) 0 Dependancy Period (Years) 0 500,000 Goal 1 0 Goal 2 (Graduation) 3,000,000 Goal 2 0 Goal 3 (Marriage) 1,000,000 Goal 3 0 Human Life Value 6,701,470 Human Life Value 0 Outstanding Loans 4,000,000 Total Human Life Value Rs 37,162,463 Rs 10,000,000 Goal 1 (School Expenses) 17 500,000 Other Liabilities 0 Contingency Funds 0 Less: Current Life insurance (Total Sum assured of insurance policies) Inflation in household expenditure 7 Less: Current Assets Return on low risk securities 6 Additional Cover required COMMENTS: ********************************************************************* Rs 7,100,000 Rs 20,062,463
  • 17. 18 CASH FLOW FOR MR.AJAY SHARMA Inflation in Household/Personal Expenditure Inflation in Educational Expenditure Growth rate in salary p.a. Rent increase in % 7% 10% 10% 3% Income Year Your Age Salary Rental Income Total Annual Income Expenses Household Personal Expenses kid's School Fees Medical Insurance Existing Insurance Insurance Buffer Total Annual Expenses Free Cash 2013 36 2,000,000 180,000 2,180,000 200,000 100,000 50,000 25,000 125,000 25,000 525,000 1,655,000 2014 37 2,200,000 185,400 2,385,400 214,000 107,000 55,000 25,000 125,000 25,000 551,000 1,834,400 2015 38 2,420,000 190,962 2,610,962 228,980 114,490 120,500 25,000 125,000 25,000 638,970 1,971,992 2016 39 2,662,000 196,691 2,858,691 245,009 122,504 132,550 25,000 125,000 25,000 675,063 2,183,628 2017 40 2,928,200 202,592 3,130,792 262,159 131,080 145,805 25,000 125,000 25,000 714,044 2,416,748 2018 41 3,221,020 208,669 3,429,689 280,510 140,255 160,386 25,000 125,000 25,000 756,151 2,673,538 2019 42 3,543,122 214,929 3,758,051 300,146 150,073 176,424 25,000 125,000 25,000 801,643 2,956,408 2020 43 3,897,434 221,377 4,118,811 321,156 160,578 194,066 25,000 125,000 25,000 850,801 3,268,011 2021 44 4,287,178 228,019 4,515,196 343,637 171,819 213,473 25,000 125,000 25,000 903,929 3,611,267 2022 45 4,715,895 234,859 4,950,755 367,692 183,846 234,820 25,000 125,000 25,000 961,358 3,989,396 2023 46 5,187,485 241,905 5,429,390 393,430 196,715 258,302 25,000 125,000 25,000 1,023,448 4,405,942 2024 47 5,706,233 249,162 5,955,396 420,970 210,485 284,133 25,000 125,000 25,000 1,090,588 4,864,807 2025 48 6,276,857 256,637 6,533,494 450,438 225,219 312,546 25,000 125,000 25,000 1,163,203 5,370,290 2026 49 6,904,542 264,336 7,168,878 481,969 240,985 343,801 25,000 125,000 25,000 1,241,754 5,927,124 2027 50 7,594,997 272,266 7,867,263 515,707 257,853 378,181 25,000 125,000 25,000 1,326,741 6,540,522 2028 51 8,354,496 280,434 8,634,930 551,806 275,903 415,999 25,000 125,000 25,000 1,418,708 7,216,222 2029 52 9,189,946 288,847 9,478,793 590,433 295,216 457,599 25,000 125,000 25,000 1,518,248 7,960,545 2030 53 10,108,941 297,513 10,406,453 631,763 315,882 503,358 25,000 125,000 25,000 1,626,003 8,780,450 2031 54 11,119,835 306,438 11,426,273 675,986 337,993 553,694 25,000 125,000 25,000 1,742,674 9,683,599 2032 55 12,231,818 315,631 12,547,449 723,306 361,653 609,064 25,000 125,000 25,000 1,869,022 10,678,427 2033 56 13,455,000 325,100 13,780,100 773,937 386,968 669,970 25,000 125,000 25,000 2,005,875 11,774,225 2034 57 14,800,500 334,853 15,135,353 828,112 414,056 736,967 25,000 125,000 25,000 2,154,136 12,981,217 2035 58 16,280,550 344,899 16,625,448 886,080 443,040 810,664 25,000 125,000 25,000 2,314,784 14,310,664
  • 18. 19 FREE CASH ALLOCATION FOR MR.AJAY SHARMA Here we see how your free cash flows (all cash inflows minus all cash outflows) are allocated across your life goals. FREE CASH ALLOCATION TABLE Year Age Free Cash 100,000 Property Purchase Car Purchase Kid1's Graduation kid2's Graduation Kid1's Post Graduation Kid2's Post Graduation Kid1's marriage Kid2's marriage Annual Net Free Cash Flow 1,555,000 Cumulative Free Cash Flow 1,555,000 100,000 1,034,400 2,589,400 3,611,392 Retirement 2013 36 1,655,000 2014 37 1,834,400 2015 38 1,971,992 500,000 50,000 100,000 200,000 100,000 1,021,992 2016 39 2,183,628 500,000 50,000 100,000 200,000 100,000 1,233,628 4,845,020 2017 40 2,416,748 500,000 50,000 100,000 200,000 100,000 866,748 5,711,768 2018 41 2,673,538 500,000 50,000 200,000 400,000 100,000 200,000 100,000 1,123,538 6,835,306 2019 42 2,956,408 500,000 50,000 200,000 400,000 1,000,000 400,000 100,000 200,000 100,000 6,408 6,841,714 2020 43 3,268,011 500,000 50,000 200,000 400,000 1,000,000 400,000 100,000 200,000 100,000 318,011 7,159,725 2021 44 3,611,267 500,000 50,000 200,000 400,000 1,000,000 400,000 200,000 200,000 100,000 561,267 7,720,992 2022 45 3,989,396 500,000 50,000 200,000 400,000 1,000,000 800,000 200,000 200,000 100,000 539,396 8,260,389 2023 46 4,405,942 500,000 50,000 200,000 400,000 1,000,000 800,000 200,000 200,000 100,000 955,942 9,216,331 2024 47 4,864,807 500,000 50,000 200,000 400,000 1,000,000 800,000 200,000 200,000 800,000 714,807 9,931,138 2025 48 5,370,290 500,000 50,000 200,000 1,000,000 300,000 200,000 1,500,000 1,620,290 11,551,428 2026 49 5,927,124 500,000 50,000 200,000 1,000,000 300,000 200,000 2,000,000 1,677,124 13,228,553 2027 50 6,540,522 500,000 50,000 300,000 200,000 3,500,000 1,990,522 15,219,074 2028 51 7,216,222 500,000 200,000 5,000,000 1,166,222 16,385,297 2029 52 7,960,545 500,000 200,000 6,000,000 1,260,545 17,645,842 2030 53 8,780,450 500,000 200,000 7,000,000 1,080,450 18,726,292 2031 54 9,683,599 8,000,000 1,683,599 20,409,891 2032 55 10,678,427 9,000,000 1,678,427 22,088,318 2033 56 11,774,225 10,000,000 1,774,225 23,862,543 2034 57 12,981,217 11,000,000 1,981,217 25,843,760 2035 58 14,310,664 12,000,000 2,310,664 28,154,424 500,000 8,500,000 200,000 200,000 400,000 50,000 700,000 300,000 2,000,000 2,400,000 6,000,000 6,400,000 2,600,000 3,400,000 76,900,000 28,154,424
  • 19. 20 GOAL: HOUSE You require a corpus of Rs***lakhs in today's terms, for the buying a flat ***** year LOAN Bank will be taken. Cost of Flat today Rs Future value of Flat 5,000,000 5,000,000 EMI CALCULATION::: Loan Amount ROI No. of Years EMI amount 5,000,000 11.00% 20 50000 AMORTIZATION TABLE::: Year 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Installment No 1 12 24 36 48 60 72 84 96 108 120 132 144 156 168 180 Installment Date ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* Total: Opening Balance ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* EMI ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* Loan Outstanding ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* ********* 10,000,000 Comments:: We have assumed that you will go for the Housing Loan (EMI starts) from April-2013. This is a 20 year Loan
  • 20. 21 GOAL: PURCHASE OF CAR You require a corpus of ******** in today's terms, for the buying a Car in the year 20** CAR PURCHASE CALCULATION COST OF THE CAR 500,000 EMI CALCULATION::: Loan Amount 500,000 ROI 10.00% No. of Years 4 EMI amount 25000 Total Int Amount ******* Total amount (principal+interest) *********** AMORTIZATION TABLE::: Year Principal Amount 1 ******* 2 ******* 3 ******* 4 ******* Interest Amount ******* ******* ******* ******* Balance Amount ******* ******* ******* ******* Comments::: Since it is a depreciating asset, it is always good to go for Loan rather than deploying your saved money, so go with four year tenure, EMI comes to 25000
  • 21. 22 GOAL: Kid 1's Graduation You require a corpus of Rs.** lakhs in today's terms, for your kid's graduation which is in the year 20** EDUCATION CORPUS CALCULATION Cost of education today Rs Years to the goal yrs Inflation in education fees p.a. % COST OF THE EDUCATION Kid1's Graduation 1,000,000 10.0 10.0 2,593,742 3000000 2500000 2000000 Corpus achievable From new investments From existing investments 2,700,692 1500000 2,339,265Required corpus 2,593,742 361,426 Surplus 106,9491000000 500000 Required corpus (Rs) Achievable Corpus (Rs) Surplus (Rs) 2,593,742 2,700,692 106,949 0 Required corpus (Rs) NEW INVESTMENTS TOWARDS Kid 1's GRADUATION Asset Allocation Annual Year Son's Age investments Equity Debt Gold 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 6 7 8 9 10 11 12 13 14 15 16 17 18 19 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 80% 80% 80% 60% 60% 60% 40% 40% 40% 25% 25% 25% 0% 0% 20% 20% 20% 40% 40% 40% 60% 60% 60% 75% 75% 75% 100% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% EXISTING INVESTMENTS MADE TOWARDS Kid 1's GRADUATION Asset Allocation Year Investment Amount Equity Debt Gold 100,000 Surplus (Rs) Accumulated Value Equity Debt Total Gold 75% 25% 0% 212,377 189,622 112,870 100,777 93,312 54,000 50,000 46,296 - 126,950 117,546 163,259 151,165 139,968 162,000 150,000 138,889 171,468 158,766 - 339,327 307,168 276,129 251,942 233,280 216,000 200,000 185,185 171,468 158,766 859,254 2,000,000 2013 Mutual Funds Achievable Corpus (Rs) 1,480,011 - 2,339,265 Accumulated Value Equity 293,436 Debt 67,991 Total Gold - 361,426 361,426 Comments *********************************************************************************************************
  • 22. 23 GOAL: Kid 2's GRADUATION You require a corpus of Rs. ** lakhs in today's terms, for your kid's graduation in the year 20** EDUCATION CORPUS CALCULATION Cost of education today Rs Years to the goal yrs Inflation in education fees p.a. % Future value of education fund (Rs) Corpus achievable From existing investments From New investments 1,000,000 13 10 3,452,271 3,565,627 3,565,627 Required corpus (Rs) Achievable Corpus (Rs) Surplus (Rs) Surplus Kid2's Graduation 4000000 3000000 113,356 2000000 1000000 0 3,452,271 3,565,627 113,356 Required corpus (Rs) NEW INVESTMENTS TOWARDS Kid2'S GRADUATION Asset Allocation Annual Year Kid2's Age investments Equity Debt Gold 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 400,000 400,000 400,000 400,000 400,000 400,000 - 80% 80% 80% 80% 80% 60% 60% 60% 60% 40% 40% 40% 25% 25% 0% 0% 20% 20% 20% 20% 20% 40% 40% 40% 40% 60% 60% 60% 75% 75% 100% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% EXISTING INVESTMENTS MADE TOWARDS kid2'S GRADUATION Asset Allocation Annual Year Investment Equity Debt Gold investments - Surplus (Rs) Accumulated Value Equity Debt Total Gold 75% 25% 0% 475,723 424,753 379,244 225,740 201,554 186,624 - 274,212 253,900 235,092 326,517 302,331 279,936 - - 749,935 678,653 614,336 552,258 503,885 466,560 - 1,893,639 2,400,000 2013 Mutual Funds Achievable Corpus (Rs) 1,671,988 - 3,565,627 Accumulated Value Equity Debt - Total Gold - - - Comments ************************************************************************************************************************************* ****
  • 23. 24 GOAL: Kid1's Post Graduation You require a corpus of Rs.15 lakhs in today's terms, for your kid 1's post graduation which is in the year 2030 EDUCATION CORPUS CALCULATION Cost of education today Rs Years to the goal yrs Inflation in education fees p.a. % COST OF THE EDUCATION Corpus achievable From new investments From existing investments Kid 1's PG 2,000,000 14.0 10 7,125,702 7,400,426 7,400,426 Required corpus7,125,702 Surplus 274,724 Required corpus (Rs) Achievable Corpus (Rs) Surplus (Rs) 7,125,702 7,125,702 7,400,426 274,724 Required corpus (Rs) 7,400,426 274,724 Achievable Corpus (Rs) Surplus (Rs) NEW INVESTMENTS TOWARDS kid 1's PG Year 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Annual investments Kid 1 age 8 9 10 11 12 13 14 15 16 17 18 19 20 21 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 6,000,000 Asset Allocation Accumulated Value Equity Debt Gold 80% 60% 60% 60% 60% 40% 40% 40% 40% 25% 25% 0% 0% 0% 20% 40% 40% 40% 40% 60% 60% 60% 60% 75% 75% 100% 100% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Equity Debt Total Gold 632,073 564,351 503,885 291,600 270,000 - 881,597 816,293 755,827 874,800 810,000 1,000,000 - - 1,513,670 1,380,644 1,259,712 1,166,400 1,080,000 1,000,000 - 2,261,909 5,138,517 0 7,400,426 Comments *************************************************************************************************************************** *************************************************************************************************************
  • 24. 25 GOAL: Kid 2's POST GRADUATION You require a corpus of Rs. 20 lakhs in today's terms, for your Kid 2's post graduation in the year 20** EDUCATION CORPUS CALCULATION Cost of education today Rs Years to the goal yrs Inflation in education fees p.a. % Future value of education fund (Rs) Corpus achievable From existing investments From New investments 6,810,374 6,810,374 1,500,000 17 10 7,016,674 Surplus Kid 2's PG -206,299 10000000 Series2 5000000 Required corpus (Rs) Achievable Corpus (Rs) Surplus (Rs) 7,016,674 6,810,374 -206,299 0 -5000000 NEW INVESTMENTS TOWARDS Kid 2'S POST GRADUATION Asset Allocation Annual Year Ishrat's Age investments Equity Debt 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 6 7 8 9 10 11 12 13 14 15 16 17 400,000 400,000 400,000 400,000 400,000 800,000 800,000 800,000 4,400,000 Series1 80% 80% 60% 60% 60% 60% 60% 40% 40% 40% 40% 25% 20% 20% 40% 40% 40% 40% 40% 60% 60% 60% 60% 75% Required corpus (Rs) Achievable Corpus (Rs) Surplus (Rs) Accumulated Value Gold 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Equity Debt Total Gold 596,748 532,810 475,723 283,169 252,829 451,481 403,108 233,280 319,841 296,149 274,212 380,850 352,639 653,035 604,662 699,840 - 916,588 828,959 749,935 664,019 605,468 1,104,515 1,007,770 933,120 3,229,148 3,581,226 - 6,810,374
  • 25. 29 GOAL: kid1'S MARRIAGE You require a corpus of Rs.** lakhs in today's terms, for kid1's marriage which is in the year 20** MARRIAGE CORPUS CALCULATION Cost of marriage today Years to goal Inflation in marriage costs p.a. Future value of marriage fund (Rs) Rs yrs % Corpus achievable From New Investments From existing investments Kid 1's Marriage 1,000,000 23 10.0 8,954,302 10000000 8000000 6000000 4000000 2000000 0 9,970,017 9,676,444 Required corpus 8,954,302 293,573 Surplus 1,015,715 Required corpus (Rs) Achievable Corpus (Rs) Surplus (Rs) 8,954,302 9,970,017 1,015,715 Required Achievable Surplus (Rs) corpus (Rs) Corpus (Rs) EXISTING INVESTMENTS TOWARDS kid1S MARRIAGE Year Annual investments Investment 2013 Gold 50,000 Asset Allocation Accumulated Value Equity Debt Gold 0% 0% Equity 100% Debt Gold Total - - 293,573 293,573 0 0 293,573 293,573 NEW INVESTMENTS TOWARDS Kid1'S MARRIAGE Year Annual investments Ishrat's Age Asset Allocation Accumulated Value Equity Debt Gold 2013 2014 2015 2 3 4 100,000 60% 60% 60% 0% 0% 0% 40% 40% 40% 2016 5 100,000 60% 0% 40% 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 100,000 100,000 100,000 100,000 200,000 200,000 200,000 200,000 300,000 300,000 300,000 300,000 2,600,000 60% 60% 60% 60% 60% 60% 60% 60% 60% 60% 60% 60% 40% 40% 40% 40% 40% 40% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 100% 100% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 60% 60% 60% 60% 60% 60% 0% 0% Comments: There might be deficit in the amount. Equity Debt Gold Total 605,030 539,002 - 201,353 186,438 806,383 725,440 480,180 427,777 381,093 339,504 604,907 538,893 480,083 427,691 571,524 509,153 453,588 404,088 6,762,513 - 172,628 159,841 148,001 137,038 253,774 234,975 217,570 201,454 279,797 259,071 239,881 222,112 2,913,931 652,808 587,618 529,094 476,542 858,681 773,868 697,653 629,144 851,321 768,224 693,469 626,199 9,676,444
  • 26. GOAL: kid 2'S MARRIAGE You require a corpus of Rs.** lakhs in today's terms, for kid 2's marriage which is after ** years. MARRIAGE CORPUS CALCULATION Cost of marriage today Years to goal Inflation in marriage costs p.a. Future value of marriage fund (Rs) Rs yrs % 1,000,000 24 10.0 9,849,733 kid2's Marriage Achievable Corpus (Rs) 16000000 14000000 12000000 Corpus achievable From New Investments From existing investments 13,523,959 10000000 13,523,959Required corpus 9,849,733 8000000 Surplus 3,674,226 6000000 Required corpus (Rs) Achievable Corpus (Rs) Surplus (Rs) Required corpus (Rs) Surplus (Rs) 4000000 9,849,733 13,523,959 3,674,226 2000000 0 Required corpus (Rs) Achievable Corpus (Rs) Surplus (Rs) NEW INVESTMENTS TOWARDS Kid 2'S MARRIAGE Year kid 2 age 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 Annual investments 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 3,300,000 Equity 75% 75% 50% 50% 50% 50% 50% 50% 50% 25% 25% 25% 25% 25% 25% Asset Allocation Debt 10% 10% 20% 20% 20% 20% 20% 20% 20% 25% 25% 25% 25% 25% 25% Gold 15% 15% 30% 30% 30% 30% 30% 30% 30% 50% 50% 50% 50% 50% 50% Accumulated Value Equity Debt 1,034,267 79,920 615,635 148,001 549,674 137,038 490,781 126,887 438,197 117,488 391,247 108,785 349,328 100,727 311,900 93,266 139,241 107,946 124,322 99,950 111,002 92,547 99,109 85,691 88,490 79,344 79,009 73,466 8,943,250 1,724,495 Gold Total 119,881 222,001 205,557 190,330 176,232 163,177 151,090 139,898 215,892 199,900 185,093 171,382 158,687 146,933 1,234,068 985,637 892,269 807,998 731,916 663,210 601,145 545,064 463,080 424,173 388,642 356,183 326,521 299,408 2,856,214 13,523,959 Comments: Expected to be your last financial Goal, yes by this time you would have retired from the services. So, as mentioned in the previous goal, make sure that you set aside money towards this particular goal… and meeting the expenses without any hassle.
  • 27. 26 GOAL: RETIREMENT This sheet will show what corpus is required to meet all life's retirement related expenses, starting at time of retirement, going on till age 85 This is separate from the corpus that is required to meet your other goal expenses. Given below are the following components Retirement corpus calculation Income from pension and Rent Existing investments allocated towards retirement goal RETIREMENT Based on the calculations below, a corpus of Rs. 8.2 crores approximately is required at retirement Achievable corpus 140,000,000 120,000,000 Corpus achievable From new investments From existing investments From EPF 134,937,758 116,607,784 18,329,974 12% 76,796,584 134,937,758 58,141,174 Required Corpus Achievable corpus Surplus / Deficit (Rs) 1. RETIREMENT CORPUS CALCULATION Age (at present) Retirement planned at age… Life expectancy 100,000,000 40,000,000 20,000,000 0 Required Corpus yrs yrs yrs 35 58 85 Retirement Monthly Expenditure (in today's terms) Input Time to retirement Expected inflation per year Input Monthly Expenditure - at retirement age Annual Expenditure at ret. Age Rs yrs % Rs Rs 50,000 23 7.00 237,026 2,844,318 Annual expenditure at retirement Rs 2,844,318 % yrs % Rs 7.00 27 7.00 76,796,584 Input Input Surplus / Deficit (Rs) 60,000,000 Input Input Input Post retirement inflation Post retirement life expectancy Expected return post retirement Corpus required at time of retirement Required Corpus 80,000,000 Achievable corpus Surplus / Deficit (Rs)
  • 28. 2.EPF VALUE AT TIME OF RETIREMENT Year EPF contribution Working years left Corpus at time of Retirement Your Age 2013 500,000 23 3,264,780 33 2014 110,000 22 661,983 34 2015 121,000 21 671,135 35 2016 133,100 20 680,413 36 2017 146,410 19 529,496 37 2018 161,051 18 544,341 38 2019 177,156 17 559,603 39 2020 194,872 16 575,293 40 2021 214,359 15 591,423 41 2022 235,795 14 608,005 42 2023 259,374 13 625,052 43 2024 285,312 12 642,577 44 2025 313,843 11 660,593 45 2026 345,227 10 679,114 46 2027 379,750 9 698,155 47 2028 417,725 8 717,729 48 2029 459,497 7 737,852 49 2030 505,447 6 758,540 50 2031 555,992 5 779,807 51 2032 611,591 4 801,671 52 2033 672,750 3 824,148 53 2034 740,025 2 847,255 54 2035 814,027 1 871,009 55 Corpus at time of retirement (Rs) 18,329,974 Total corpus at time of retirement = Rs. 1.8 cr approximately Growth rate in salary p.a. 10%
  • 29. 4.NEW INVESTMENTS TOWARDS RETIREMENT Year Annual investments Your Age 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 800,000 800,000 1,000,000 3,500,000 5,000,000 6,000,000 7,000,000 8,000,000 9,000,000 10,000,000 11,000,000 12,000,000 Asset Allocation Equity Debt 80% 80% 80% 80% 80% 75% 75% 50% 50% 50% 50% 50% 50% 50% 50% 25% 25% 25% 25% 25% 0% 0% 0% 20% 20% 20% 20% 20% 25% 25% 50% 50% 50% 50% 50% 50% 50% 50% 75% 75% 75% 75% 75% 100% 100% 100% Gol d 0% Accumulated Value Equity Debt Gold Total 75,200,000 972,124 867,968 774,971 691,939 617,802 517,134 461,727 274,837 245,390 219,099 195,624 1,397,312 1,247,600 1,392,411 4,351,284 2,775,054 2,973,272 3,097,158 3,160,365 3,174,474 - 117,429 108,731 100,677 93,219 86,314 99,900 92,500 171,297 158,608 146,860 135,981 1,007,268 932,656 1,079,462 3,498,258 6,940,988 7,712,209 8,331,090 8,815,968 9,183,300 12,597,120 12,830,400 12,960,000 - 1,089,553 976,699 875,648 785,158 704,116 617,034 554,227 446,134 403,999 365,958 331,605 2,404,580 2,180,256 2,471,873 7,849,542 9,716,042 10,685,481 11,428,248 11,976,334 12,357,775 12,597,120 12,830,400 12,960,000 29,407,546 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 87,200,238 0 116,607,784 5. EXISTING INVESTMENTS MADE TOWARDS RETIREMENT Year Investment 2013 Direct equity Annual investments - Asset Allocation Equity Debt 75% 25% Accumulated Value Gol d 0% Equity Debt - Total Gold - - Comments: This is the biggest non-negotiable goal, you can borrow money for any other Goal incase requied, whereas the Retirement Goal is a Unique and you need to make sure that you are on the right track to achieve this particular Goal. Revisit your investments towards this goal time-to-time. -
  • 30. Recommendations for the year 2013 From the Cash Flow Analysis, the free cash on hand will be::: Year 2013 Income ********** Expenses ********* Free Cash ******** Goalwise FRESH INVESTMENTS Fresh Investments (Retirement, Kid's Graduation and marriage) Goals Fresh Investments Equity Recommendations sip per Debt month Recommendations Annual Investments Equity Debt Gold Equity Debt Gold scheme 1 scheme 2 Scheme 3 Gold Scheme 4 Retirement ******* 60% 40% 0% ******* ******* ******* ******* ******* ******* ******* Kid's Graduation ******* 70% 30% 0% ******* ******* ******* ******* ******* ******* ******* kid's Marriage ******* 50% 25% 25% ******* ******* ******* ******* ******* ******* ******* TOTAL ******** ******** ******** ******** rounded off ******** ******** ******** ********