Download - Financial Planning sheet
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7/29/2019 Financial Planning sheet
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Year age
Annual
Expenses
Goals
(Today's
value)
Goals (Future
value)
Annual
Income (post
tax)
Opening Value of
Investment
2012 29 220,000 - 504,000 2,200,000
2013 30 237,600 - 554,400 2,510,173
2014 31 256,608 - 609,840 2,859,5692015 32 277,137 - 670,824 3,252,856
2016 33 299,308 - 737,906 3,695,240
2017 34 323,252 - 811,697 4,192,518
2018 35 349,112 - 892,867 4,751,150
2019 36 377,041 1,200,000 1,904,249 982,153 5,378,328
2020 37 407,205 - 1,080,369 4,177,812
2021 38 439,781 - 1,188,406 4,793,730
2022 39 474,963 - 1,307,246 5,489,269
2023 40 512,961 - 1,437,971 6,274,034
2024 41 553,997 - 1,581,768 7,158,736
2025 42 598,317 - 1,739,945 8,155,323
2026 43 646,183 1,500,000 4,079,436 1,913,939 9,277,113
2027 44 697,877 - 2,105,333 6,459,516
2028 45 753,707 - 2,315,866 7,506,716
2029 46 814,004 - 2,547,453 8,695,149
2030 47 879,124 - 2,802,198 10,042,262
2031 48 949,454 - 3,082,418 11,567,548
2032 49 1,025,411 - 3,390,660 13,292,778
2033 50 1,107,443 - 3,729,726 15,242,263
2034 51 1,196,039 - 4,102,699 17,443,135
2035 52 1,291,722 - 4,512,968 19,925,6692036 53 1,395,060 - 4,964,265 22,723,635
2037 54 1,506,665 - 5,460,692 25,874,688
2038 55 1,627,198 - 6,006,761 29,420,808
2039 56 1,757,374 - 6,607,437 33,408,777
2040 57 1,897,963 - 7,268,181 37,890,718
2041 58 2,049,800 - 7,994,999 42,924,690
2042 59 2,213,785 - 8,794,499 48,575,346
2043 60 2,390,887 - 9,673,949 54,914,662
2044 61 2,582,158 - 61,634,150
2045 62 2,788,731 - 67,009,274
2046 63 3,011,829 - 72,890,398
2047 64 3,252,776 - 79,330,997
2048 65 3,512,998 - 86,391,046
2049 66 3,794,038 - 94,137,919
2050 67 4,097,561 - 102,647,428
2051 68 4,425,365 - 112,005,017
2052 69 4,779,395 - 122,307,144
2053 70 5,161,746 - 133,662,876
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2054 71 5,574,686 - 146,195,735
2055 72 6,020,661 - 160,045,834
2056 73 6,502,314 - 175,372,349
2057 74 7,022,499 - 192,356,394
2058 75 7,584,299 - 211,204,339
2059 76 8,191,043 - 232,151,684
2060 77 8,846,326 - 255,467,5362061 78 9,554,032 - 281,459,833
2062 79 10,318,355 - 310,481,400
2063 80 11,143,823 - 342,937,010
2064 81 12,035,329 - 379,291,592
2065 82 12,998,155 - 420,079,797
2066 83 14,038,008 - 465,917,131
2067 84 15,161,048 - 517,512,945
2068 85 16,373,932 - 575,685,562
2069 86 17,683,847 - 641,379,929
2070 87 19,098,555 - 715,688,203
2071 88 20,626,439 - 799,873,777
2072 89 22,276,554 - 895,399,315
2073 90 24,058,678 - 1,003,959,489
2074 91 25,983,373 - 1,127,519,205
2075 92 28,062,042 - 1,268,358,244
2076 93 30,307,006 - 1,429,123,419
2077 94 32,731,566 - 1,612,889,512
2078 95 35,350,092 - 1,823,230,486
2079 96 38,178,099 - 2,064,302,716
2080 97 41,232,347 - 2,340,942,283
2081 98 44,530,935 - 2,658,778,7202082 99 48,093,409 - 3,024,368,012
2083 100 51,940,882 - 3,445,348,123
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7/29/2019 Financial Planning sheet
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Investment
during that
year
Closing Value of
investment MIP @ 8%
Versus what is
needed for
retirement Assumptions
201,600 2,510,173 176,000 0.8 Inflation
221,760 2,859,569 200,814 0.8 Income Growth
243,936 3,252,856 228,765 0.9 Investment Growth268,330 3,695,240 260,229 0.9 % of income saved
295,163 4,192,518 295,619 1.0
324,679 4,751,150 335,401 1.0 3/2/2013
357,147 5,378,328 380,092 1.1 2013
392,861 6,082,061 430,266 1.1
432,148 4,793,730 334,225 0.8
475,362 5,489,269 383,498 0.9
522,898 6,274,034 439,142 0.9 Stocks
575,188 7,158,736 501,923 1.0 Index
632,707 8,155,323 572,699 1.0 Debt
695,978 9,277,113 652,426 1.1 Gold
765,576 10,538,952 742,169 1.1
842,133 7,506,716 516,761 0.7
926,347 8,695,149 600,537 0.8
1,018,981 10,042,262 695,612 0.9
1,120,879 11,567,548 803,381 0.9
1,232,967 13,292,778 925,404 1.0
1,356,264 15,242,263 1,063,422 1.0
1,491,890 17,443,135 1,219,381 1.1
1,641,079 19,925,669 1,395,451 1.2
1,805,187 22,723,635 1,594,054 1.21,985,706 25,874,688 1,817,891 1.3
2,184,277 29,420,808 2,069,975 1.4
2,402,704 33,408,777 2,353,665 1.4
2,642,975 37,890,718 2,672,702 1.5
2,907,272 42,924,690 3,031,257 1.6
3,198,000 48,575,346 3,433,975 1.7
3,517,799 54,914,662 3,886,028 1.8
3,869,579 62,022,752 4,393,173 1.8
- 67,242,858 4,930,732 1.9
- 73,107,118 5,360,742 1.9
- 79,523,424 5,831,232 1.9
- 86,550,118 6,346,480 2.0
- 94,252,631 6,911,284 2.0
- 102,704,470 7,531,034 2.0
- 111,988,344 8,211,794 2.0
- 122,197,473 8,960,401 2.0
- 133,437,094 9,784,571 2.0
- 145,826,198 10,693,030 2.1
Asset
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- 159,499,547 11,695,659 2.1
- 174,610,005 12,803,667 2.1
- 191,331,233 14,029,788 2.2
- 209,860,826 15,388,511 2.2
- 230,423,934 16,896,347 2.2
- 253,277,487 18,572,135 2.3
- 278,715,082 20,437,403 2.3- 307,072,678 22,516,787 2.4
- 338,735,207 24,838,512 2.4
- 374,144,278 27,434,961 2.5
- 413,807,127 30,343,327 2.5
- 458,307,058 33,606,384 2.6
- 508,315,590 37,273,370 2.7
- 564,606,623 41,401,036 2.7
- 628,072,948 46,054,845 2.8
- 699,745,502 51,310,394 2.9
- 780,815,829 57,255,056 3.0
- 872,662,290 63,989,902 3.1
- 976,880,652 71,631,945 3.2
- 1,095,319,803 80,316,759 3.3
- 1,230,123,453 90,201,536 3.5
- 1,383,778,844 101,468,660 3.6
- 1,559,173,650 114,329,874 3.8
- 1,759,662,458 129,031,161 3.9
- 1,989,144,461 145,858,439 4.1
- 2,252,154,264 165,144,217 4.3
- 2,553,968,031 187,275,383 4.5
- 2,900,727,584 212,702,298 4.8- 3,299,585,501 241,949,441 5.0
- 3,758,874,803 275,627,850 5.3
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Value
8.0%
10.0%
9.100%40.0%
14.0% 30.0%
14.0% 5.0%
8.0% 15.0%
6% 50%
Return Allocation
llocation
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1 Debts and Future Expenses
Home Loan outstanding 2,400,000
Car loan outstanding
Other Expense 1
Other Expense 2
Other Expense 3Other Expense 4
Other Expense 5
2 Monthly Expenses 40,000
3 Current Investments 1,000,000
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Instructions
1. Fill in the present value of monthly expenses in C8
2. Tweak C7 till you arrive at a near 0 number in row 46
Assumptions
Retirement Corpus 88,977,298
Monthly Expenses
(Present value) 40,000
Interest Rate 8%
Inflation 7%
Year Starting balance Expense interest Balance
61 88,977,298 304,490 7,118,184 92,441,600
62 92,441,600 325,805 7,395,328 95,927,273
63 95,927,273 348,611 7,674,182 99,418,125
64 99,418,125 373,014 7,953,450 102,895,412
65 102,895,412 399,125 8,231,633 106,337,551
66 106,337,551 427,063 8,507,004 109,719,796
67 109,719,796 456,958 8,777,584 113,013,887
68 113,013,887 488,945 9,041,111 116,187,661
69 116,187,661 523,171 9,295,013 119,204,624
70 119,204,624 559,793 9,536,370 122,023,48071 122,023,480 598,978 9,761,878 124,597,619
72 124,597,619 640,907 9,967,810 126,874,547
73 126,874,547 685,770 10,149,964 128,795,267
74 128,795,267 733,774 10,303,621 130,293,598
75 130,293,598 785,138 10,423,488 131,295,426
76 131,295,426 840,098 10,503,634 131,717,883
77 131,717,883 898,905 10,537,431 131,468,454
78 131,468,454 961,828 10,517,476 130,443,991
79 130,443,991 1,029,156 10,435,519 128,529,635
80 128,529,635 1,101,197 10,282,371 125,597,640
81 125,597,640 1,178,281 10,047,811 121,506,07982 121,506,079 1,260,761 9,720,486 116,097,437
83 116,097,437 1,349,014 9,287,795 109,197,065
84 109,197,065 1,443,445 8,735,765 100,611,492
85 100,611,492 1,544,486 8,048,919 90,126,578
86 90,126,578 1,652,600 7,210,126 77,505,504
87 77,505,504 1,768,282 6,200,440 62,486,560
88 62,486,560 1,892,062 4,998,925 44,780,743
89 44,780,743 2,024,506 3,582,459 24,069,128
2000000
4000000
6000000
8000000
10000000
12000000
14000000
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90 24,069,128 2,166,222 1,925,530 0
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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
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Money present today
Annual Investment Today
Increment 0%
Annual Return 15% 45,000
718,143,485
Age
Annual
investment Value at Year 6023 540,000 95,107,300 4.2
24 540,000 82,702,000 4.62
25 540,000 71,914,783 5.082
26 540,000 62,534,594 5.5902
27 540,000 54,377,907 6.14922
28 540,000 47,285,137 6.764142
29 540,000 41,117,510 7.4405562
30 540,000 35,754,357 8.18461182
31 540,000 31,090,745 9.003073002
32 540,000 27,035,431 9.903380302
33 540,000 23,509,070 10.89371833
34 540,000 20,442,670 11.98309017
35 540,000 17,776,234 13.18139918
36 540,000 15,457,595 14.4995391
37 540,000 13,441,387 15.94949301
38 540,000 11,688,163 17.54444231
39 540,000 10,163,620
40 540,000 8,837,930
41 540,000 7,685,157
42 540,000 6,682,745
43 540,000 5,811,08344 540,000 5,053,115
45 540,000 4,394,013
46 540,000 3,820,881
47 540,000 3,322,505
48 540,000 2,889,135
49 540,000 2,512,291
50 540,000 2,184,601
51 540,000 1,899,653
52 540,000 1,651,872
53 540,000 1,436,411
54 540,000 1,249,05355 540,000 1,086,133
56 540,000 944,463
57 540,000 821,273
58 540,000 714,150
59 540,000 621,000
60 540,000 540,000
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Category Fund Name
1 Nifty ETF Benchmark Nifty
1 Gold ETF Gold BeeS
1 Tax HDFC Tax saver / Canara Rebeco
JM MONEY MANAGER FUND SUPER PLAN - GROWTH
HDFC Cash Management Savings
1 Balanced HDFC PrudenceDSPBR Top 100
HDFC Top 200
ICICI PRUDENTIAL DISCOVERY FUND -GROWTH
ICICI Prudential Dynamic fund
HDFC Equity
5 Equity MFs
2 Debt
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Type Feb-12 May-12 Aug-12 Nov-12 Feb-13 May-13
ETF NA NA NA
ETF NA Na Na
ELSS NA NA NA
Debt - UST 5 star 5 star 5 star 5 star 5 star
Debt - Liquid 4 star 4 star
Balanced 5 star 5 star 4 star 5 star 5 starLarge Cap 5 Star 5 star 5 star 5 star 4 star
Large / Mid cap 5 Star 5 star 4 star 4 star 4 star
Mid / Small Cap 4 star 5 star 5 star 5 star 5 star
Large/ Mid cap 4 star 4 star
Multi Cap 5 star 5 star 5 star 5 star 4 star
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Trade # Scrip Qty Buy Date Cost Price Sell Date
1 Force Motors - (BSE) 16 18-Dec-09 301.41 11-Aug-10
2 Bliss GVS - (BSE) 162 18-Dec-09 32.60 11-Aug-10
3 Mangalam Cement - (BSE) 34 18-Dec-09 148.24 11-Aug-10
4 Ashiana Housing - (BSE) 43 18-Dec-09 116.98 11-Aug-105 Nava Bharat Ven - (BSE) 13 18-Dec-09 386.22 11-Aug-10
6 Genesys Int - (BSE) 26 18-Dec-09 195.18 11-Aug-10
7 Oil Country - (BSE) 41 18-Dec-09 124.54 11-Aug-10
8 JK Cement - (BSE) 33 18-Dec-09 150.15 11-Aug-10
9 Symphony - (BSE) 25 18-Dec-09 153.08 3-Jan-11
10 IFB Industries - (BSE) 40 18-Dec-09 66.55 3-Jan-11
21 IFB Industries - (BSE) 35 18-Dec-09 66.55 10-Jan-11
11 Majestic Auto - (BSE) 77 9-Nov-10 130.77 19-Jan-11
19 Asian Paints 15 1-Jan-06 848.00
20 Symphony - (BSE) 9 18-Dec-09 153.08
12 Oriental Carbon - (BSE) 66 9-Nov-10 152.95
13 Panama Petro - (BSE) 32 9-Nov-10 309.20
14 ABC Bearings - (BSE) 62 9-Nov-10 160.59
15 Ador Fontech - (BSE) 27 9-Nov-10 375.62
16 Mayur Uniquoter - (BSE) 31 9-Nov-10 314.95
17 Mafatlal Ind - (BSE) 30 9-Nov-10 339.00
18 DCM - (BSE) 64 9-Nov-10 158.17
22 A K Capital Services 14 3-Jan-11 723.50
23 Cera Sanitaryware 61 3-Jan-11 163.50
24 Insecticides 44 3-Jan-11 224.39
25 National Peroxide 17 3-Jun-11 565.7026 Shree Ganesh Jewellery House 38 3-Jun-11 264.70
28 Thangamayil Jewelery 61 3-Jun-11 165.40
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Sale Price
Value at
Cost
Value
when sold Profit Profit % Status Age
Execution
Performance
926.15 4,822.56 14,818.40 9,995.84 207% Closed
42.00 5,281.20 6,804.00 1,522.80 29% Closed
154.00 5,040.16 5,236.00 195.84 4% Closed
172.00 5,030.14 7,396.00 2,365.86 47% Closed347.00 5,020.86 4,511.00 (509.86) -10% Closed
302.00 5,074.68 7,852.00 2,777.32 55% Closed
101.00 5,106.14 4,141.00 (965.14) -19% Closed
171.00 4,954.95 5,643.00 688.05 14% Closed
857.50 3,827.00 21,437.50 17,610.50 460% Closed
121.23 2,662.00 4,849.20 2,187.20 82% Closed
117.00 2,329.25 4,095.00 1,765.75 76% Closed
91.70 10,069.29 7,060.90 (3,008.39) -30% Closed
12,720.00 Passive 2617
1,377.72 Passive 1170
10,094.70 Active 844
9,894.40 Active 844
9,956.58 Active 844
10,141.74 Active 844
9,763.45 Active 844
10,170.00 Active 844
10,122.88 Active 844
10,129.00 Active 789
9,973.50 Active 789
9,873.16 Active 789
9,616.90 Active 63810,058.60 Active 638
10,089.40 Active 638
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Next day orders
Entry
Run a filter with the following parameters on Capital4.com screene
Adj P/E TTM < 10
Long term debt to Equity ratio < 1ROCE > 20
Market Capital > 100 Cr
Sort the list by descending relative strength (Based on 52 wk return
Market Conditions
For Entry - PE percentile over 5 years to be in the bottom 30%
For Exit - PE percentile over 5 years to be in the top 30%
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r. Tweak the filters until you get to about 100 stocks.
)
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Year Inflow Outflow Net 23%
2013 2,500,000.00 (660,000.00) 1,840,000.00$
2014 (660,000.00) (660,000.00)$
2015 (660,000.00) (660,000.00)$
2016 (660,000.00) (660,000.00)$
2017 (660,000.00) (660,000.00)$
2018 (660,000.00) (660,000.00)$2019 4,934,556.71 (660,000.00) 4,274,556.71$