your financial planning worksheet

Prepared By

FINANCIAL PLANNING REPORT FOR MR.AJAY SHARMA

TABLE OF 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

Contents:

3

ASSUMPTIONS

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

LOW LOW TO MEDIUM

MEDIUM MEDIUM TO HIGH YES

HIGH

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

YOUR RISK PROFILE

http://www.personalfn.com/investment/mumbaientry.asp

4

ASSET ALLOCATION ESTIMATES:

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%

Benefits of Asset Allocation:::

YEAR SENSEX G-Sec FUND GOLDSENSEX (value at the

end of the year)

ASSET ALLOCATION

(value at the end of the

year)

2000 -11.52% 13.06% 3.92% 88.5 97.4

2001 -18.94% 30.21% -2.27% 71.7 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

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

"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:::::::::::::::::::::::::::::::::::::

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.

5

EXISTING INVESTMENTS EVALUATION

S.

NO MUTUAL FUND SCHEME NAME

CURRENT

UNITS

CURRENT

NAV (INR)

CURRENT

VALUE (INR) FUND CATEGORY

FUND SUB

CATEGORY RISK CATEGORY

1 Scheme 1 xxxxx xxxxx 100,000 Debt Liquid Low

2 Scheme 1 xxxxx xxxxx 100,000 Diversified Equity Large and midcap Medium

3 Scheme 1 xxxxx xxxxx 100,000 Debt Income Low

4 Scheme 1 xxxxx xxxxx 100,000 Diversified Equity Thematic High

5 Scheme 1 xxxxx xxxxx 100,000 Debt MIP Low

6 Scheme 1 xxxxx xxxxx 100,000 Diversified Equity Tax Saver Medium

7 Scheme 1 xxxxx xxxxx 100,000 Debt FMP Low

8 Scheme 1 xxxxx xxxxx 100,000 Diversified Equity Midcap High

9 Scheme 1 xxxxx xxxxx 100,000 Debt Liquid Low

10 Scheme 1 xxxxx xxxxx 100,000 Diversified Equity Largecap Medium

1,000,000TOTAL

MUTUAL FUND HOLDING as on ***********

6

CURRENT AMC WISE EXPOSURE

You are currently holding Mutual Funds from 10 Fund Houses.

S. NO AMC AMOUNT (INR) WEIGHTAGE

1 AMC 1 100,000 10%

2 AMC 2 100,000 10%

3 AMC 3 100,000 10%

4 AMC 4 100,000 10%

5 AMC 5 100,000 10%

6 AMC 6 100,000 10%

7 AMC 7 100,000 10%

8 AMC 8 100,000 10%

9 AMC 9 100,000 10%

10 AMC 10 100,000 10%

1,000,000.00 100%

GRAPHICAL PRESENTATION OF YOUR INVESTMENTS

Description on the Fund House and the selected Schemes…

AMC 1 12%

AMC 2 11%

AMC 3 11%

AMC 4 11% AMC 5

11%

AMC 6 11%

AMC 7 11%

AMC 8 11%

AMC 9 11%

Fund Houses

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 AMOUNT (INR) WEIGHTAGE

1 Low 500,000 50%

2 Medium 300,000 30%

3 High 200,000 20%

TOTAL 1,000,000 100%

Low 50%

Medium 30%

High 20%

CURRENT PORTFOLIO RISK ANALYSIS

CURRENT PORTFOLIO CATEGORY HOLDING

S. NO CATEGORY AMOUNT (INR) WEIGHTAGE

1 Diversified Equity 500,000 50%

2 Debt 500,000 50%

TOTAL 1,000,000 100%

Your portfolio majorly consists of Diversified Equity schemes.

Diversified Equity 50%

Debt 50%

Portfolio Category Holding

CURRENT PORTFOLIO SUB-CATEGORY HOLDING

S. NO CATEGORY AMOUNT (INR) WEIGHTAGE

1 Income 100,000 10%

2 Largecap 100,000 10%

3 Midcap 100,000 10%

4 Tax Saver 100,000 10%

5 Liquid 200,000 20%

6 Thematic 100,000 10%

7 Largecap and midcap 100,000 10%

8 MIP 100,000 10%

9 FMP 100,000 10%

TOTAL 1,000,000 100.00%

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

Income 10% Largecap

10% Midcap

10%

Tax Saver 10%

Liquid 20%

Thematic 10%

Largecap and midcap

10%

MIP 10%

FMP 10%

Portfolio Sub Catagory

MUTUAL FUND PORTFOLIO REVIEW

10

S. NO MUTUAL FUND SCHEME RECOMMENDATION COMMENTS

1 Scheme 1 HoldDecent 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 HoldOne of the best funds currently available, continue to hold this fund. Fresh

additions can be considered.

5 Scheme 1 SellNot performing well over the last 24 months, also the portfolio doesn’t look

attractive, so you can sell

6 Scheme 1 HoldOne 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 SellRisk fund at the same time, the track record is not good, so you can come out of

this fund

9 Scheme 1 HoldA 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 **************

Name Of Company Quantity

(No.)

Investment Amount

(Rs.)

Market Value

(Rs.) Profit/Loss (Rs.)

Script 1 10 25,000.00 30,000.00 5,000.00

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

Present Value 250,000.00 300,000.00 50,000.00

COMMENTS::

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

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

13

GOAL CALENDAR FOR Mr.Ajay Sharma

S. No. Your Age Year Goal Value today (Rs)

Value at time of

goal (Rs)

Goal Amount

Achieved

Surplus /

(Deficit) Goal Status

1 35 2012 Contingency fund(General) 250,000 250,000 260,000 10,000 Achieved

2 39 2016 Property Purchase 5,000,000 5,000,000 5,025,000 25,000 Achieved

3 43 2020 Car Purchase 500,000 500,000 550,000 50,000 Achieved

4 47 2024 Kid1's Graduation 1,000,000 4,000,000 4,100,000 100,000 Achieved

5 51 2028 kid2's Graduation 1,000,000 4,000,000 4,200,000 200,000 Achieved

6 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:::

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

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

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***

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

Equity 53%

Debt 24%

EQUITY 800,000 11% equity 11% 8%

Direct equity 300,000 Y debt 14% 15%

Mutual funds 500,000 Y gold 1%

cash 3%

DEBT 1,000,000 14% land 70%

Debt MFs 500,000 Y

EPF 500,000 Y

GOLD 100,000 1% Y

PROPERTY 5,000,000 70%

House 5,000,000 N

Flat

CASH 200,000 3%

cash at bank 200,000 Y

Grand Total 7,100,000 100.00%

YOUR NET WORTH IS AS FOLLOWS

Current Assets (Rs) 7,100,000

Current Liabilities (Rs) 4,000,000

NET WORTH (Rs) 3,100,000

Available (Y /

N)

CURRENT ASSETS OF MR.Ajay Sharma

Particulars Amount (Rs) Weightage

11%

14%

1%

3% 71%

Networth

ASSET TO GOAL MAPPING

Priority 1 2 3 4 5 6 7 8 9 10

Mutual Funds 500,000 260,000 240,000 500,000 -

Direct equity 300,000 300,000 300,000 -

Debt MF 500,000 500,000 500,000 -

PF 500,000 500,000 500,000 -

Gold 100,000 50,000 50,000 100,000 -

Cash in hand 200,000 200,000 200,000 -

Total 2,100,000 260,000 500,000 - 300,000 - - - 2,100,000 -

TOTAL

ASSET

UTILISED

SURPLUSEXISTING ASSET

GOALS

RetirementKid1's

marriage

Kid2's

marriageAMOUNT (Rs) Contingency

fund(General

)

Kid1's

GraduationCar Purchase

kid2's

Graduation

Kid1's Post

Graduation

Kid2's Post

Graduation

Property

Purchase

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

Ram ******* Jan 1, 01 100000 12 12 Q 50000

1-Jan-2022 500000 ******** Surrender

Ram ******* Jan 1, 01 250000 20 20 Y 50000

1-Jan-2022 500000 ******** Surrender

Ram ******* Jan 1, 011000000+

rider 50 lakhs15 5 Y 50000

1-Jan-2022 500000 Continue

Ram ******* Jan 1, 01 150000 20 20 M 50000

1-Jan-2022 500000 Continue

10000000

Life Assured COMPANY Start Date Name of Plan

Traditional Plan

Money Back Plan

ViewPremium

paying

Term

Premium

FrequencyPremium

Maturity

ValueSurrender Value Maturity DateSum Assured Policy Term

Term Plan

ULIP

TOTAL SUM ASSURED

RECOMMENDATIONS

Please see below for your Insurance Human Life Value calculation.

40,000 10,000

32 20

0 500,000

0 3,000,000

0 2,500,000

17,833,220 8,627,773

10,000 0

17 0

500,000 0

3,000,000 0

1,000,000 0

6,701,470 0

4,000,000 Total Human Life Value Rs 37,162,463

0

0

7 Less: Current Assets Rs 7,100,000

6 Additional Cover required Rs 20,062,463

COMMENTS:

Monthly Expenditure on Kid 1 (Rs.)

Goal 3

Goal 1 (School Expenses)

HUMAN LIFE VALUE - INSURANCE REQUIREMENT

Monthly Expenditure on other dependent(Rs.)

Monthly Expenditure on Wife (Rs.)

Human Life Value

Contingency Funds

Goal 3 (Marriage)

Human Life Value

Goal 2

Goal 1

Goal 2 (Graduation)

Goal 1 (School Expenses)

Dependancy Period (Years)

Dependancy Period (Years)Dependancy Period (Years)

Goal 1

Return on low risk securities

Rs 10,000,000

Less: Current Life insurance (Total Sum assured of

insurance policies)

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

Goal 2

Inflation in household expenditure

Other Liabilities

Outstanding Loans

Goal 2 (Graduation)

Human Life Value

Goal 3 (Marriage) Goal 3

Human Life Value

Monthly Expenditure on kid 2 (Rs.)

Dependancy Period (Years)

18

CASH FLOW FOR MR.AJAY SHARMA

7%

10%

10%

Rent increase in % 3%

SalaryRental

IncomeHousehold

Personal

Expenses

kid's School

Fees

Medical

Insurance

Existing

Insurance

Insurance

Buffer

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

Inflation in Household/Personal Expenditure

Inflation in Educational Expenditure

Growth rate in salary p.a.

Total Annual

Income

Total Annual

ExpensesFree CashYear Your Age

ExpensesIncome

19

FREE CASH ALLOCATION FOR MR.AJAY SHARMA

FREE CASH ALLOCATION TABLE

2013 36 1,655,000 100,000 1,555,000 1,555,000

2014 37 1,834,400 500,000 200,000 100,000 1,034,400 2,589,400

2015 38 1,971,992 500,000 50,000 100,000 200,000 100,000 1,021,992 3,611,392

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 50,000 200,000 400,000 100,000 200,000 100,000 866,748 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 50,000 300,000 200,000 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

8,500,000 700,000 2,000,000 2,400,000 6,000,000 6,400,000 2,600,000 3,400,000 76,900,000 28,154,424

Free Cash

Here we see how your free cash flows (all cash inflows minus all cash outflows) are allocated across your life goals.

Kid2's

marriageRetirement

Kid1's

marriage

Cumulative

Free Cash

Flow

Car PurchaseYear AgeAnnual Net

Free Cash

Flow

Kid2's Post

Graduation

Property

Purchase

kid2's

Graduation

Kid1's Post

Graduation

Kid1's

Graduation

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 5,000,000

Future value of Flat 5,000,000

EMI CALCULATION:::

Loan Amount 5,000,000

ROI 11.00%

No. of Years 20

EMI amount 50000

AMORTIZATION TABLE:::

Year Installment No Installment Date Opening Balance EMI

Loan

Outstanding

0 1 ********* ********* ********* *********

1 12 ********* ********* ********* *********

2 24 ********* ********* ********* *********

3 36 ********* ********* ********* *********

4 48 ********* ********* ********* *********

5 60 ********* ********* ********* *********

6 72 ********* ********* ********* *********

7 84 ********* ********* ********* *********

8 96 ********* ********* ********* *********

9 108 ********* ********* ********* *********

10 120 ********* ********* ********* *********

11 132 ********* ********* ********* *********

12 144 ********* ********* ********* *********

13 156 ********* ********* ********* *********

14 168 ********* ********* ********* *********

15 180 ********* ********* ********* *********

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

Total:

21

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 Interest Amount Balance Amount

1 ******* ******* *******

2 ******* ******* *******

3 ******* ******* *******

4 ******* ******* *******

Comments:::

GOAL: PURCHASE OF CAR

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

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

Rs 1,000,000

yrs 10.0

% 10.0

2,593,742

2,700,692

2,339,265 Required corpus2,593,742

361,426 Surplus 106,949

2,593,742

2,700,692

106,949

NEW INVESTMENTS TOWARDS Kid 1's GRADUATION

Equity Debt Gold Equity Debt Gold

2013 6 - 80% 20% 0% - - - -

2014 7 - 80% 20% 0% - - - -

2015 8 - 80% 20% 0% - - - -

2016 9 - 60% 40% 0% - - - -

2017 10 200,000 60% 40% 0% 212,377 126,950 - 339,327

2018 11 200,000 60% 40% 0% 189,622 117,546 - 307,168

2019 12 200,000 40% 60% 0% 112,870 163,259 - 276,129

2020 13 200,000 40% 60% 0% 100,777 151,165 - 251,942

2021 14 200,000 40% 60% 0% 93,312 139,968 - 233,280

2022 15 200,000 25% 75% 0% 54,000 162,000 - 216,000

2023 16 200,000 25% 75% 0% 50,000 150,000 - 200,000

2024 17 200,000 25% 75% 0% 46,296 138,889 - 185,185

2025 18 200,000 0% 100% 0% - 171,468 - 171,468

2026 19 200,000 0% 100% 0% - 158,766 - 158,766

2,000,000 859,254 1,480,011 - 2,339,265

EXISTING INVESTMENTS MADE TOWARDS Kid 1's GRADUATION

Total


2013 Mutual Funds 100,000 75% 25% 0% 293,436 67,991 - 361,426

361,426

Comments

YearAccumulated Value

Investment AmountAsset Allocation

Cost of education today

Years to the goal

GOAL: Kid 1's Graduation

Inflation in education fees p.a.

Required corpus (Rs)

Year Son's Age

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

Achievable Corpus (Rs)

COST OF THE EDUCATION

Corpus achievable

Annual

investments

From new investments

From existing investments

Surplus (Rs)

Asset Allocation Accumulated Value

Total

0

500000

1000000

1500000

2000000

2500000

3000000

Required corpus (Rs) Achievable Corpus (Rs)

Surplus (Rs)

Kid1's Graduation

23

You require a corpus of Rs. ** lakhs in today's terms, for your kid's graduation in the year 20**


Rs 1,000,000

yrs 13

% 10

3,452,271

3,565,627

- Surplus 113,356

3,565,627

3,452,271

3,565,627

113,356

NEW INVESTMENTS TOWARDS Kid2'S GRADUATION


2013 3 - 80% 20% 0% - - - -

2014 4 - 80% 20% 0% - - - -

2015 5 - 80% 20% 0% - - - -

2016 6 - 80% 20% 0% - - - -

2017 7 - 80% 20% 0% - - - -

2018 8 - 60% 40% 0% - - - -

2019 9 400,000 60% 40% 0% 475,723 274,212 - 749,935

2020 10 400,000 60% 40% 0% 424,753 253,900 - 678,653

2021 11 400,000 60% 40% 0% 379,244 235,092 - 614,336

2022 12 400,000 40% 60% 0% 225,740 326,517 - 552,258

2023 13 400,000 40% 60% 0% 201,554 302,331 - 503,885

2024 14 400,000 40% 60% 0% 186,624 279,936 - 466,560

2025 15 - 25% 75% 0% - - - -

2026 16 - 25% 75% 0% - - - -

2027 17 - 0% 100% 0% - - - -

2028 18 - 0% 100% 0% - - - -

2,400,000 1,893,639 1,671,988 - 3,565,627

EXISTING INVESTMENTS MADE TOWARDS kid2'S GRADUATION

Total


2013 Mutual Funds - 75% 25% 0% - - - -

- -

Comments

Corpus achievable


GOAL: Kid 2's GRADUATION


Years to the goal


Future value of education fund (Rs)

Accumulated Value

Year



Surplus (Rs)

From New investments

YearAccumulated Value

Asset Allocation

Kid2's AgeAnnual

investments

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

****

Total

InvestmentAnnual

investments

Asset Allocation

0

1000000

2000000

3000000

4000000



Surplus (Rs)

Kid2's Graduation

24

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


Rs 2,000,000

yrs 14.0

% 10

7,125,702

7,400,426

7,400,426 Required corpus7,125,702

- Surplus 274,724

7,125,702

7,400,426

274,724

NEW INVESTMENTS TOWARDS kid 1's PG


2017 8 - 80% 20% 0% - - - -

2018 9 - 60% 40% 0% - - - -

2019 10 - 60% 40% 0% - - - -

2020 11 - 60% 40% 0% - - - -

2021 12 - 60% 40% 0% - - - -

2022 13 - 40% 60% 0% - - - -

2023 14 1,000,000 40% 60% 0% 632,073 881,597 - 1,513,670

2024 15 1,000,000 40% 60% 0% 564,351 816,293 - 1,380,644

2025 16 1,000,000 40% 60% 0% 503,885 755,827 - 1,259,712

2026 17 1,000,000 25% 75% 0% 291,600 874,800 - 1,166,400

2027 18 1,000,000 25% 75% 0% 270,000 810,000 - 1,080,000

2028 19 1,000,000 0% 100% 0% - 1,000,000 - 1,000,000

2029 20 - 0% 100% 0% - - - -

2030 21 - 0% 100% 0% - - - -

6,000,000 2,261,909 5,138,517 0 7,400,426

Comments

Total



Surplus (Rs)

Year Kid 1 age

Corpus achievable

From new investments


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

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


Years to the goal


COST OF THE EDUCATION

GOAL: Kid1's Post Graduation

Accumulated ValueAnnual

investments

Asset Allocation

Required corpus (Rs) Achievable

Corpus (Rs) Surplus (Rs)

7,125,702 7,400,426

274,724

Kid 1's PG

25

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


Rs 1,500,000

yrs 17

% 10

7,016,674

6,810,374

- Surplus -206,299

6,810,374

7,016,674

6,810,374

-206,299

NEW INVESTMENTS TOWARDS Kid 2'S POST GRADUATION


2017 6 - 80% 20% 0% - - - -

2018 7 - 80% 20% 0% - - - -

2019 8 - 60% 40% 0% - - - -

2020 9 - 60% 40% 0% - - - -

2021 10 400,000 60% 40% 0% 596,748 319,841 - 916,588

2022 11 400,000 60% 40% 0% 532,810 296,149 - 828,959

2023 12 400,000 60% 40% 0% 475,723 274,212 - 749,935

2024 13 400,000 40% 60% 0% 283,169 380,850 - 664,019

2025 14 400,000 40% 60% 0% 252,829 352,639 - 605,468

2026 15 800,000 40% 60% 0% 451,481 653,035 - 1,104,515

2027 16 800,000 40% 60% 0% 403,108 604,662 - 1,007,770

2028 17 800,000 25% 75% 0% 233,280 699,840 - 933,120

4,400,000 3,229,148 3,581,226 - 6,810,374

GOAL: Kid 2's POST GRADUATION


Years to the goal


Future value of education fund (Rs)

Corpus achievable


From New investments



Surplus (Rs)

Year Ishrat's Age TotalAnnual

investments

Asset Allocation Accumulated Value

Series1

Series2

-5000000

0

5000000

10000000



Surplus (Rs)

Kid 2's PG

29

You require a corpus of Rs.** lakhs in today's terms, for kid1's marriage which is in the year 20**

MARRIAGE CORPUS CALCULATION

Rs 1,000,000

yrs 23

% 10.0

8,954,302

9,970,017

9,676,444 Required corpus 8,954,302

293,573 Surplus 1,015,715

8,954,302

9,970,017

1,015,715

EXISTING INVESTMENTS TOWARDS kid1S MARRIAGE


2013 Gold 50,000 0% 0% 100% - - 293,573 293,573

0 0 293,573 293,573

NEW INVESTMENTS TOWARDS Kid1'S MARRIAGE


2013 2 - 60% 0% 40% - - - -

2014 3 - 60% 0% 40% - - - -

2015 4 100,000 60% 0% 40% 605,030 - 201,353 806,383

2016 5 100,000 60% 0% 40% 539,002 - 186,438 725,440

2017 6 100,000 60% 0% 40% 480,180 - 172,628 652,808

2018 7 100,000 60% 0% 40% 427,777 - 159,841 587,618

2019 8 100,000 60% 0% 40% 381,093 - 148,001 529,094

2020 9 100,000 60% 0% 40% 339,504 - 137,038 476,542

2021 10 200,000 60% 0% 40% 604,907 - 253,774 858,681

2022 11 200,000 60% 0% 40% 538,893 - 234,975 773,868

2023 12 200,000 60% 0% 40% 480,083 - 217,570 697,653

2024 13 200,000 60% 0% 40% 427,691 - 201,454 629,144

2025 14 300,000 60% 0% 40% 571,524 - 279,797 851,321

2026 15 300,000 60% 0% 40% 509,153 - 259,071 768,224

2027 16 300,000 60% 0% 40% 453,588 - 239,881 693,469

2028 17 300,000 60% 0% 40% 404,088 - 222,112 626,199

2029 18 - 40% 0% 60% - - - -

2030 19 - 40% 0% 60% - - - -

2031 20 - 40% 0% 60% - - - -

2032 21 - 40% 0% 60% - - - -

2033 22 - 40% 0% 60% - - - -

2034 23 - 40% 0% 60% - - - -

2035 24 - 0% 100% 0% - - - -

2036 25 - 0% 100% 0% - - - -

2,600,000 6,762,513 - 2,913,931 9,676,444

Comments:

There might be deficit in the amount.

Year Ishrat's AgeAnnual

investments

Asset Allocation

Accumulated Value

Total

Total

Accumulated Value

Year InvestmentAnnual

investments

From New Investments


Surplus (Rs)



Asset Allocation

Years to goal

Inflation in marriage costs p.a.

GOAL: kid1'S MARRIAGE

Cost of marriage today

Future value of marriage fund (Rs)

Corpus achievable

0

2000000

4000000

6000000

8000000

10000000



Surplus (Rs)

Kid 1'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

Rs 1,000,000

yrs 24

% 10.0

9,849,733

13,523,959

13,523,959 Required corpus 9,849,733

- Surplus 3,674,226

9,849,733

13,523,959

3,674,226

NEW INVESTMENTS TOWARDS Kid 2'S MARRIAGE


2018 9 - 75% 10% 15% - - - -

2019 10 200,000 75% 10% 15% 1,034,267 79,920 119,881 1,234,068

2020 11 200,000 50% 20% 30% 615,635 148,001 222,001 985,637

2021 12 200,000 50% 20% 30% 549,674 137,038 205,557 892,269

2022 13 200,000 50% 20% 30% 490,781 126,887 190,330 807,998

2023 14 200,000 50% 20% 30% 438,197 117,488 176,232 731,916

2024 15 200,000 50% 20% 30% 391,247 108,785 163,177 663,210

2025 16 200,000 50% 20% 30% 349,328 100,727 151,090 601,145

2026 17 200,000 50% 20% 30% 311,900 93,266 139,898 545,064

2027 18 200,000 25% 25% 50% 139,241 107,946 215,892 463,080

2028 19 200,000 25% 25% 50% 124,322 99,950 199,900 424,173

2029 20 200,000 25% 25% 50% 111,002 92,547 185,093 388,642

2030 21 200,000 25% 25% 50% 99,109 85,691 171,382 356,183

2031 22 200,000 25% 25% 50% 88,490 79,344 158,687 326,521

2032 23 200,000 25% 25% 50% 79,009 73,466 146,933 299,408

-

3,300,000 8,943,250 1,724,495 2,856,214 13,523,959

Comments:

Annual investmentsAsset Allocation

TotalAccumulated Value


Year kid 2 age


Surplus (Rs)

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.

GOAL: kid 2'S MARRIAGE

Cost of marriage today

Years to goal


Inflation in marriage costs p.a.

Future value of marriage fund (Rs)

Corpus achievable

From New Investments



Surplus (Rs)

0

2000000

4000000

6000000

8000000

10000000

12000000

14000000

16000000



Surplus (Rs)

kid2's Marriage

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

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

Corpus achievable 134,937,758

From new investments 116,607,784

From existing investments -

From EPF 18,329,974

12%

Required Corpus 76,796,584Achievable corpus 134,937,758 Surplus / Deficit (Rs) 58,141,174

1. RETIREMENT CORPUS CALCULATION

Age (at present) Input yrs 35Retirement planned at age… Input yrs 58

Life expectancy Input yrs 85

Retirement Monthly Expenditure (in today's terms)Input Rs 50,000

Time to retirement yrs 23

Expected inflation per year Input % 7.00

Monthly Expenditure - at retirement age Rs 237,026

Annual Expenditure at ret. Age Rs 2,844,318

Annual expenditure at retirement Rs 2,844,318

Post retirement inflation Input % 7.00

Post retirement life expectancy yrs 27

Expected return post retirement Input % 7.00

Corpus required at time of retirement Rs 76,796,584

0

20,000,000

40,000,000

60,000,000

80,000,000

100,000,000

120,000,000

140,000,000

Required Corpus Achievable

corpus Surplus / Deficit (Rs)

Required Corpus

Achievable corpus

Surplus / Deficit (Rs)

RETIREMENT

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

18,329,974

Total corpus at time of retirement = Rs. 1.8 cr approximately

Growth rate in salary p.a. 10%

Corpus at time of retirement (Rs)

4.NEW INVESTMENTS TOWARDS RETIREMENT

Equity Debt Gol

dEquity Debt Gold

2013 35 100,000 80% 20% 0% 972,124 117,429 - 1,089,553

2014 36 100,000 80% 20% 0% 867,968 108,731 - 976,699

2015 37 100,000 80% 20% 0% 774,971 100,677 - 875,648

2016 38 100,000 80% 20% 0% 691,939 93,219 - 785,158

2017 39 100,000 80% 20% 0% 617,802 86,314 - 704,116

2018 40 100,000 75% 25% 0% 517,134 99,900 - 617,034

2019 41 100,000 75% 25% 0% 461,727 92,500 - 554,227

2020 42 100,000 50% 50% 0% 274,837 171,297 - 446,134

2021 43 100,000 50% 50% 0% 245,390 158,608 - 403,999

2022 44 100,000 50% 50% 0% 219,099 146,860 - 365,958

2023 45 100,000 50% 50% 0% 195,624 135,981 - 331,605

2024 46 800,000 50% 50% 0% 1,397,312 1,007,268 - 2,404,580

2025 47 800,000 50% 50% 0% 1,247,600 932,656 - 2,180,256

2026 48 1,000,000 50% 50% 0% 1,392,411 1,079,462 - 2,471,873

2027 49 3,500,000 50% 50% 0% 4,351,284 3,498,258 - 7,849,542

2028 50 5,000,000 25% 75% 0% 2,775,054 6,940,988 - 9,716,042

2029 51 6,000,000 25% 75% 0% 2,973,272 7,712,209 - 10,685,481

2030 52 7,000,000 25% 75% 0% 3,097,158 8,331,090 - 11,428,248

2031 53 8,000,000 25% 75% 0% 3,160,365 8,815,968 - 11,976,334

2032 54 9,000,000 25% 75% 0% 3,174,474 9,183,300 - 12,357,775

2033 55 10,000,000 0% 100% 0% - 12,597,120 - 12,597,120

2034 56 11,000,000 0% 100% 0% - 12,830,400 - 12,830,400

2035 57 12,000,000 0% 100% 0% - 12,960,000 - 12,960,000

75,200,000 29,407,546 87,200,238 0 116,607,784

5. EXISTING INVESTMENTS MADE TOWARDS RETIREMENT

Total

Equity DebtGol

dEquity Debt Gold

2013 Direct equity - 75% 25% 0% - - - -

- -

Comments:

Year

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.

Accumulated ValueTotalYear Your Age

Annual

investments

Asset Allocation

Accumulated Value

InvestmentAnnual

investments

Asset Allocation

Recommendations for the year 2013

From the Cash Flow Analysis, the free cash on hand will be:::

Year Income Expenses Free Cash

2013 ********** ********* ********

Goalwise FRESH INVESTMENTS

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

Debt

RecommendationsGold

Retirement ******* 60% 40% 0% ******* ******* ******* ******* ******* ******* *******

Kid's Graduation ******* 70% 30% 0% ******* ******* ******* ******* ******* ******* *******

kid's Marriage ******* 50% 25% 25% ******* ******* ******* ******* ******* ******* *******

TOTAL ******** ******** ******** ********

rounded off ******** ******** ******** ********

Scheme 3 Scheme 4

Equity Recommendations sip per

month

Equity Debt Gold scheme 1 scheme 2

GoalsFresh

InvestmentsEquity Debt Gold

Annual Investments

your financial planning worksheet

Economy & Finance

proper asset allocation

total sum assured

free cash allocation

existing investments made

current net worth

education corpus calculation

asset allocation accumulated

retirement corpus calculation