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Yaseen

Javad Financial Plan

Armstrong

Armstrong

Armstrong Capital Advisory Pvt. Ltd.

Assets Current Investment

Real Estate INR 1,20,00,000

PF INR 2,00,000

FD INR 1,00,000

Direct equity INR 7,50,000

Total INR 1,30,50,000

Current Assets

Investment Allocation

Real estate

PF

FD

direct equity

Armstrong


SIP Allocation

INR 60,000 Monthly

INR 17k SIP

For Retirement

INR 25k Equity

Mutual Fund for

Kids education plan

INR 8k Equity Mutual

Fund for Home loan

repayment

INR 10k into Liquid

funds for Annual

vacations

Armstrong


Asset allocation

Debt /Equity Allocation

Debt• PF-5K contribution

• MF-7K SIP

• Liquid fund-10K SIP

(33%)

Equity• MF-25K SIP

• Home loan MF-8K SIP

(77%)

Armstrong


Investment Done Till Now

ULIP

Fund name Fund premium (PA) Premium payment

term(in years)

Current fund

value/coverage

BSL enhancer 60K - 10 lakh

ICICI pru pinnacle 80K 2010-2017( 7 years) -

TOTAL

Armstrong


Liabilities

• Initial amount of 40 lakh.

• 30 lakh outstanding.

• EMI of 50K with 10% interest.

Home loan

• Initial amount of 4 lakh taken.

• EMI of 17K with 2.5 years remaining.

Car loan

Armstrong


Current home loan repayment

30 lakh outstanding

amount

EMI of INR 50000

Interest component

of INR 1176000

Expected repayment

time of 7 years

Armstrong


Corpus of 2.17 lakh can be created

every 2 years to be added

to EMI.

Start SIP of 8Kinto equity MF

Interest component

will be reduced to

8.9 lakh

Expected repayment

time of 5 years

Proposed Home loan repayment plan

Armstrong


EMI SIP for Retirement

All invested into equity MF with ROI

12% for Retirement

17K SIP from car loan ending in 2018

50K SIP from home loan ending in 2020

Upon retirement in the

year 2035, a total corpus

of 3.61 crore.

Armstrong


Kids Education plan

• Presently 6 years

• Need a higher. education corpus by 2027.

• SIP of 15K per month.

Anushka

• Presently 1 year

• Need a higher education corpus by 2032.

• SIP of 10K per month.Arav

A corpus of 48 lakh can be

attained

A corpus of 66 lakh can be

attained

Armstrong


Retirement SIP allocation

17K SIP

7K into Debt funds

10K into equity MF

Armstrong


Retirement plan(retirement year-2035)

• SIP of 10K into Equity MF. with another SIP of 17K starting in 2018 and 50K in 2020.

Equity MF(12%)

• SIP of 7K into debt MFDebt MF

• Holding portfolio worth 7.5 lakhDirect equity

• Accumulated corpus worth 2 lakh with 5K contribution.PF

98,33,075+24,945,569+11,206,652

53,02,732

30,04,794

43,62,321

Armstrong


Annuity plan

EMI SIP(12%)

Equity MF(12%)

Debt MF(8%)

PF(8%)

TOTAL

EMI SIP

(3,61,522)

Equity MF

(98,330)

Debt MF

(35,351)

PF

(29,082)

524,285

Armstrong


Contact Us


Mb No: +91

E-mail: [email protected]

www.armstrong-cap.com

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