Financial plan presentation

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Financial plan presentation

  1. 1. Private and Confidential ARB Financial Consultants Strictly Private & Confidential Comprehensive Financial Planning Service Planning for MR.Kumar & Family For Planning year July -2011 CMPlan By : Ashish Ramesh Bhave CFP Page 1 of 37
  2. 2. Private and Confidential ARB Financial Consultants DisclaimerA Financial Plan is a generic direction to your cash flows over a period of time. Your future financialcondition may alter due to changes in income/expense patterns, new family commitments, macroeconomic scenario etc which may prompt you to alter some aspects of your goals and add new goals.Therefore this Financial Plan and the Cashflows depicted in it should be used to give you a long termdirection for managing your personal finances while taking immediate actions as a step towardsaccomplishing your financial objectives.These recommendations are subject to review at the time when you are actually taking actions asrecommended because of changes in legal circumstances, economic conditions etc. If considerable time haselapsed since the date of this plan, you should not act on any specific recommendation without furtherconsideration with the planner.Returns from each recommended investment will vary in line with market conditions and investment policies ofthe fund manager. Income and growth assumptions are intended as a guide only and should be treated withcaution. The planner should not be held responsible for the accuracy of the same. Most equity/ growthinvestment are long term in nature and significant variations including capital loss, may occur over shorterperiods. Neither the authorized representative nor the company guarantees the performance or return ofcapital on any of these investments. Performances of investments are subject to market risks. Pastperformances of a particular asset class or investment may not be the true indicator of their performance infuture.These recommendations are based on the information you have supplied. If any material information has beenwithheld or any inaccurate, these recommendations could prove to be inappropriate for you.While we have made every attempt to ensure that the calculations contained in this Financial Plan are correctand complete, kindly note the plan may contain inaccuracies or errors due the manual-computer interfaceinvolved in making the calculations and we expressly exclude liability for any such inaccuracies or errors. In thecase where a error or omission is involved, you can request us to rectify the error or omission, we shall doneedful. DisclosureIf the product recommendation are implemented through us, we would receive applicable brokerage fromall/some the investments recommended. We will be entitled to commission directly from product providers.We will be also eligible to other incentives including allowances and incentives based on volumes, discountedservices and awards. CMPlan By : Ashish Ramesh Bhave CFP Page 2 of 37
  3. 3. Private and Confidential ARB Financial Consultants Scope of Work For Comprehensive Financial Planning consultancy Service. Further to the Data Gathering Meeting held, we shall be covering the following in the your Personal Financial Plan to give you Financial Planning Recommendations & a Goal-Oriented Investment Strategy; Life Goals Yes/No Insurance Planning (HLV - Income replacement Method ) Yes Contingency Planning & Funding Yes Children Higher education & Marrige Exp. Planning Yes Retirement Planning Yes Purchase of House Yes Purchase of Car Yes International Vacation Yes Others Yes Analysis Yes/No Inflow/Outflow Yes Assets/Liabilities Yes Life Cashflows & Goal feasibility study Yes Insurance Policies Yes Mutual Funds Yes Equity Portfolio Yes Debt Instruments Yes Others YesPlan By : Ashish Ramesh Bhave CFPCM Page 3 of 37
  4. 4. Private and Confidential ARB Financial Consultants ARBs Data & ARB Recommendation CMPlan By : Ashish Ramesh Bhave CFP Page 4 of 37
  5. 5. Private and Confidential ARB Financial Consultants Personal & Dependent Details Todays Date 19-Jul-11 Particulars Self Spouse Title(Mr,Mrs,Ms) Mr. Mrs. Mr. First Name Kumar Kumari Mrs. Gender Male Female Date of Birth 18-Sep-76 10-Sep-77 Male PAN No. KYC complied ? Yes Yes Female Residential Status Indian Indian State of Health Good Good Service Private Critical illness? N Diabetis Service Govt. Smoker? N N Self employed Date of Marriage(if applicable) 15/2/1994 Professional Occupation Service Housewife Housewife Life Expectancy 85 85 Retired NA Dependent Details Name of Dependent Date of Birth Relationship Occupation Health Status Chiranjiv 21-Mar-05 Child -1 NA Good End of page CMPlan By : Ashish Ramesh Bhave CFP Page 5 of 37
  6. 6. Private and Confidential ARB Financial Consultants Income & Expenses details Monthly Income Income Head Self Spouse Total Income from salary( NET/GROSS) 120000 60000 180000 Income from Business or Profession 0 0 0 Income from Other Sources 0 0 0 Gross Total 120000 60000 180000 Deductions if any 0 0 0 Net Income 120000 60000 180000 Growth in salary in % 9% 9% Income from House property 0 0% 0 Total income 120000 60000 180000 Monthly Expenditure Particulars Monthly Annual % of Income Inflation rate Food & Grocery 15,000 1,80,000 House Rent / Maintenance / Repair 8,000 96,000 Conveyance, Fuel & Maintenance 5,000 60,000 Medicines / Doctor / Healthcare 1,000 12,000 Electricity / Water / Labour / AMCs 1,600 19,200 Mobile / Telephone / Internet 1,500 18,000 Household Expenses 32,100 3,85,200 18% 13% Clothes & Accessories 2,000 24,000 Shopping, Gifts, Whitegoods, Gadgets 5,000 60,000 Dining / Movies / Sports 1,000 12,000 Personal Care / Others 0 0 Travel & Annual Vacations 5,000 60,000 Lifestyle Expenses 13,000 1,56,000 7% 13% Childrens Schooling/College Expenses 2,000 24,000 Contribution to Parents, Siblings etc 0 0 Dependent Expenses 2,000 24,000 1% 11% Life Insurance (Term) 0 20,790 Mediclaim/PA/CI 0 3,988 Motor Insurance 250 5,000 Pure Insurance Premiums 250 29,778 0% 0%Plan By : Ashish Ramesh Bhave CFPCM Page 6 of 37
  7. 7. Private and Confidential ARB Financial Consultants Home Loan 1 EMIs 22,000 2,64,000 Home Loan 2 EMIs 0 0 Personal Loan EMIs 12,000 1,44,000 Loan Servicing 34,000 4,08,000 19% 0% Net Outflows 81,350 10,02,978 45% Savings (Inflows-Outflows) 98,650 11,83,800 55% PF + VPF+PPF 0 0 Recurring Deposits (RDs) 0 0 Insurance Premiums (Investments) 25,000 3,00,000 Mutual Fund SIPs 8,500 1,02,000 Regular Monthly Investments 33,500 4,02,000 19% Surplus (Savings-Investments) 65,150 7,81,800 36% Customised Economic inflation 12.92% 47,100 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 7 of 37
  8. 8. Private and Confidential ARB Financial Consultants Equity Investments ARBs Sr. No. Holder Script Market rate No of script Total value Recommendation 1 Self ASHOK LEYLAND LIMITED 24.75 350 8,662.50 Sale 2 Self TATA CONSULTANCY SERVICES 965.00 25 24,125.00 Sale 3 Self HDFC BANK LIMITED 464.45 125 58,056.25 Sale 4 Self SATYAM COMPUTER SERVICES LIMITED 71.05 50 3,552.50 Sale 5 Self SHREE RENUKA SUGARS LIMITED 57.35 500 28,675.00 Sale 6 7 8 9 10 11 12 13 14 15 16 17 18 19 Note : These all the scripts to be sold in Phased manner to enter in Our proposed portfolio. Total 123071 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 8 of 37
  9. 9. Private and Confidential ARB Financial Consultants Mutual Funds Sr. Option SIP Total Latest Present Locked in ARBs Fund Name Holder Amount No (gr./div.) Y/N Units NAV Value (Y/N) Recommendation Equity & Hybrid MF 1 Birla frontline growth self yes 3,000 560.00 67.79 37,962 No Hold 2 Franklin India BLUECHIP growth self yes 3,000 140.552 215.76 30,325 No Sale 3 HDFC TOP 200 growth self no 25,000 110 212.46 23,370 No Sale 4 HDFC BALANCED growth self no 45,000 917.436 58.78 53,926 No Sale 5 HDFC MidCap Opportunities growth self no 30,000 1,890.96 16.83 31,819 No Hold 6 7 8 9 To be sold or switched as per the requirement of portfolio. Total 1,06,000 1,77,402 Debt MF 1 2 3 4 Total 0 0 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 9 of 37
  10. 10. Private and Confidential ARB Financial Consultants Retirement Related investments / Benefits Current Investment Investment Interest Date of ARBs Sr.No Particulars On Name Accumulated Maturity Value amount start date rate maturity Recommendation value 1 PF Self 350000 00-Jan-00 9.50% 00-Jan-00 14,28,486.37 2 PF Spouce 125000 00-Jan-00 9.50% 00-Jan-00 3 PPF 4 PPF 5 PF 6 SA 7 Gratuity 8 PPF 9 PPF 10 PPF 11 PPF 12 PPF 13 PPF 14 PPF 15 PPF 16 PPF Total 0 475000 1428486 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 10 of 37
  11. 11. Private and Confidential ARB Financial Consultants Fixed Income Instruments Current Coupon/ Passive Invested Investment Date of ARBs Sr.No Particulars Accumula Interest income Maturity Value amount date maturity Recommendation ted value rate p.a 1 bank FD 50,000.00 19-Apr-11 9.25% 06-Jul-12 55,871.00 2 bank FD 50,000.00 19-Apr-11 9.25% 06-Jul-12 55,871.00 3 bank FD 45,000.00 15-Jul-11 9.25% 30-Jul-12 49,497.00 4 bank FD 1,50,000.00 09-Oct-10 8.00% 08-Dec-12 1,78,077.00 5 6 7 8 9 10 11 12 13 14 15 16 Total 2,95,000.00 0 0 339316 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 11 of 37
  12. 12. Private and Confidential ARB Financial Consultants Real Estate Investments Willing to ARBs Purchase Purchase Passive Sr.No Type of Property Present Value On loan Liquidate recomme Value Date income (Y/N) ndation 1 Resi House 25,00,000 01-Jan-00 45,00,000 yes No 2 Land 2,50,000 01-Jun-08 4,00,000 no Yes Hold 3 4 5 6 7 8 9 Total 4900000 0 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 12 of 37
  13. 13. Private and Confidential ARB Financial Consultants Tangible Asset Investments Liquidatio Willing to ARBs Purchase Purchase Present n Liquidatio Sr. No Particulars Liquidate Recommendati Value Date Value Proportio n Amount (Y/N) on n 1 Car / Bike NA No 2 Car / Bike NA No 3 Car / Bike NA No 4 Car / Bike NA No 5 Jwellery NA No 6 Gold ETFs 25000 50000 y 7 eGold NA No 8 Gold physical NA No 9 Silver No No Total Value 50000 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 13 of 37
  14. 14. Private and Confidential ARB Financial ConsultantsLiquid Assets Sr No. Particulars Present Value ARBs Recommendation 1 Bank a/c 3,20,000.00 2 cash in Hand 10,000.00 3 4 5 6 7 8 9 10 11 12 13 14 15 Total 330000 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 14 of 37
  15. 15. Private and Confidential ARB Financial Consultants Life Insurance Name of Yearly Maturity Surrender Maturity ARBsSr No. Type Mode Date of Issue Cover policy premium Date Value Amount Recommendation Self 1 Endowment 0 Yly 5,113 11/09/90 11/09/15 1,00,000 1,30,000 Continue 2 Endowment 0 Yly 565 01/01/97 01/01/17 10,000 20,000 Continue 3 Endowment 0 Yly 6,409 04/01/97 04/01/17 1,00,000 1,25,000 Continue 4 Endowment 0 Yly 5,313 02/14/98 02/14/23 1,00,000 1,30,000 Continue 5 Endowment 0 Yly 10,224 06/07/01 06/09/25 2,60,000 Pension Continue 6 Endowment 0 Yly 20,790 03/05/11 03/05/27 30,00,000 0 Continue Spouce 1 NAV ULIP HIGH NAV Yly 50,000 03/01/19 Total Premium 98414 3570000 0 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 15 of 37
  16. 16. Private and Confidential ARB Financial Consultants Health Insurance Company Individual / Insurance Cover Premium ARBs Sr No. Type Date of Start Name Family cover Amount Amount Recommendation 1 Mediclaim National 250000 Continue 2 3 4 5 6 7 8 9 Premium Total 0 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 16 of 37
  17. 17. Private and Confidential ARB Financial Consultants General Insurance ARBs Policy Policy Policy Date of Premium Claims ( Sr No. Valid Upto Insured Amount Recommenda Name Type Holder Commencement Amount if any ) tion 1 2 3 4 5 6 0 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 17 of 37
  18. 18. Private and Confidential ARB Financial Consultants Liabilities No.of Current rate of Balance Sr.No Liability Type Borrers Name. Current EMI installments ARBs Recommendation interest p.a Outstanding Remaining 1 Housing Loan 1 8.25% 22,000 200 2387100 Continue 2 3 4 Personal loan 12000 12 144000 Continue 5 Personal loan 0 6 Credit Card Debt 0 7 Credit Card Debt 0 8 Other loans 0 9 0 Total 34000 2531100 End of pagePlan By : Ashish Ramesh Bhave CFPCM Page 18 of 37
  19. 19. Private and Confidential ARB Financial Consultants Financial assessment & Goals quantification CMPlan By : Ashish Ramesh Bhave CFP Page 19 of 37
  20. 20. Private and Confidential ARB Financial Consultants Financial Objectives Particulars Present value of expenses At Age Years till expenses Priority Child 1 Education Chiranjiv Graduation 1000000 18 High MS 1000000 23 High Marriage 500000 27 Medium Others NA Child 2 Education 0 Retirement At Age 55 Maintining Std. of living High Medical corpus 400000 High International Tours Europe Tour 400000 5 5 Low Car Frequency of Change For first Such Exp. After Car 1 500000 8 3 Low Car 2 0 0 0 Childs Business seed capitalPlan By : Ashish Ramesh Bhave CFPCM Page 20 of 37
  21. 21. Private and Confidential ARB Financial Consultants Data & Assumptions For Financial plan structuring Particulars Self Spouce Name Kumar Kumari Date of Birth 18-Sep-76 10-Sep-77 Current Age 35 34 Retirement Age 55 55 Life Expectancy 85 85% Income Increase 8% 10% Dependents Particulars Child-1 Child-2 Father Mother Name Chiranjiv NA NA NA Date of Birth 21/03/2005 NA NA NA Current Age 6 NA NA NA Growth rate assumptions Real estate Auto. International tour Education Rental Income 14% 4% 11% 11% 6% Returns Assumptions Investment Aggressive Coutious Conservative Protective Strategy Expected returns 16% 12% 10% 8% Other Assumptions Plan Date 19/07/2011 Inflation Post Post tax return postEconomic Inflation retirement retirement 13% 8% 9% CMPlan By : Ashish Ramesh Bhave CFP Page 21 of 37
  22. 22. Private and Confidential ARB Financial Consultants Networth Statement Particulars Total Percentage Residential Property 45,00,000 Vehicle 0 Jewellery 0 Inheritance of Wealth 0 Others 0 Personal Assets 4500000 71% Savings Bank/Cash in Hand 3,30,000 Receivables 0 Total Liquid Assets 330000 5% Fixed Deposits 2,95,000 PPF (Public Provident Fund) 4,75,000 EPF + Superannuation + 0 Gratuity NSC / POMIS / KVP / RDs etc 0 Debt Mutual Funds 0 Traditional Insurance Policies 0 SV Bonds/Debentures/CDs 0 Total Debt Assets 770000 12% Direct Equity 1,23,071 Equity & Hybrid Mutual Funds 1,77,402 Unit-linked Insurance Policies 0 SV Total Equity Assets 300473.1875 5% Gold/Silver (ETFs, MF, Bars) 50000 1% Real Estate 400000 6% Total Assets 6350473.187 100% Home Loan 23,87,100 Vehicle Loan 1,44,000 Personal Loan 0 Total Liabilities 2531100 Networth (Assets-Liabilities) 3819373.187 CMPlan By : Ashish Ramesh Bhave CFP Page 22 of 37
  23. 23. Private and Confidential ARB Financial Consultants Networth % Networth Networth 38,19,373 60% Total Liabilities 25,31,100 40% Total Assets 63,50,473 63,50,473 38,19,373 25,31,100ARBs Comment : The Solvency ratio is very Good . Requested to maintain the same. Networth Total Liabilities Total Assets Monthly Cashflow % Monthly Income 1,80,000 100% Monthly Cashflow Monthly Exp. 81,350 45% 1,80,000Investable Surplus 98,650 55% 98,650 81,350 ARBs Comment : The expenses are with in thelimits & investment surplus ratio is healthy, a good sign. Monthly Income Monthly Exp. Investable Surplus CMPlan By : Ashish Ramesh Bhave CFP Page 23 of 37
  24. 24. Private and Confidential ARB Financial ConsultantsExisting investment portfolio % Debt 11,00,000 59% Existing investment portfolio Equity 3,00,473 16% Commodity 50,000 3% Real estate 4,00,000 22% Total Assets 18,50,473 100% Real estate Commodity 22% 3% ARBs Comment : The Investment portfolio is slightly tilted Equity Debt towards Debt , less exposure to commodity. 16% 59% Current Income - Expenses distribution % Income 1,80,000 100% Household 32,100 18% Expenses Current Income - Expenses distribution Lifestyle Expenses 13,000 7% Dependents 2,000 1% Expenses 18% Household Expenses Pure Insurance 250 0% Lifestyle Expenses Premiums 36% 7% Dependents Expenses Loan Servicing 34,000 19% Regular Pure Insurance Premiums 1% 33,500 19% Loan Servicing Investments 0% Surplus 65,150 36% Regular Investments 19% Surplus 19% ARBs Comment : Proportion to House hold , Life style ,Loan servising to Income is with in the limits.Plan By : Ashish Ramesh Bhave CFPCM Page 24 of 37
  25. 25. Private and Confidential ARB Financial Consultants Life insurance need analysis Type Discription Present value of Financial goals Child Education 3066309.185 Retirement 7591947.235 Goals Contingency Fund 6,38,100.00 Other goals 28,20,248.20 Household Exp. 75,52,113.05 Life style Exp. 30,58,488.15 Liabilities Loans 25,31,100.00 Total liability 27258305.82 Existing life cover (Post 35,70,000.00 surrendered policies) Existing Asset 6,80,473.19 Additional required 23007833 Life insurance need analysis Existing life cover (Post surrendered policies) 13%Existing Asset 3% Additional required 84% CMPlan By : Ashish Ramesh Bhave CFP Page 25 of 37
  26. 26. Private and Confidential ARB Financial Consultants Contingency Fund Particulars Amount Current Monthly Expenses Household Exp. 32,100 Life style exp 13,000 Commited Exp. 2,000 Insurance premiums 25,250 Loan EMI 34,000 Total Monthly Expenses 1,06,350 Contingency Funding RequirementContingency Period (No. of Months) 6 Contingency Funds 6,38,100 Planners Comment : This is the Fund which is required to be maintained in the easily accassable form. This will help a Family to Sustain in any type of contingency.Plan By : Ashish Ramesh Bhave CFPCM Page 26 of 37
  27. 27. Private and Confidential ARB Financial Consultants Childs Education. Childrens Future Child-1 Name Child 1 Goal Graduation Post Graduation Marriage Others Goal @ Age 18 23 27 NA Years to Goal 12 17 21 NA Current Value 10,00,000 10,00,000 5,00,000 0 Year OF Goal 17/03/2023 15/03/2028 14/03/2032 NA Future value of 3379488 5694633 4322427 NA Goal Childrens Future Child-2 Name Child 2 Goal Graduation Post Graduation Marriage Others Goal @ Age 0 0 0 0 Years to Goal #VALUE! #VALUE! #VALUE! #VALUE! Current Value 0 0 0 0 Year OF Goal #VALUE! #VALUE! #VALUE! #VALUE! Future value of #VALUE! #VALUE! #VALUE! #VALUE! GoalPlan By : Ashish Ramesh Bhave CFPCM Page 27 of 37
  28. 28. Private and Confidential ARB Financial Consultants Car Purchase Planning Car 1 Todays price Funture Projected Year to buy Year Count of a Car price of a car 21-Jul-12 500000 562432 3 19-Jul-20 500000 769727.0282 11 17-Jul-28 500000 1053424.588 19 15-Jul-36 500000 1441684.288 27 Car 2 Todays price Funture Projected Year to buy Year Count of a Car price of a car 0 #VALUE!Plan By : Ashish Ramesh Bhave CFPCM Page 28 of 37
  29. 29. Private and Confidential ARB Financial Consultants Retirement Planning Particulars Amount Remarks/Notes Current Expenses Household Exp. 32,100 Life style exp. 13,000 Addition/Deduction (Vacations, 2,000 Insurance etc) Total Monthly Expenses 47,100 Total Annual Expenses 5,65,200 Future Expenses at Retirement Retirement Age 55 Reduction is considered as family Reduction in Exp. 20% size will reduce to 2 from 3 Inflation 10% No. of Years for Retirement 20 Retirement Year 5-Sep-31 Expenses in the First Year of 30,84,298 RetirementCorpus Required to Fund Retirement Expenses No. of Years in Retirement 30 Inflation during Retirement Years 8.00% Tax adjusted Investment Returns on 9.00% Retirement Corpus Net Returns 0.93% Retirement Corpus Required 8,05,03,470 considering rental income Medical corpus Amount at present value 4,00,000 Inflation 13% Amount at the time of retirement 46,21,238 Total Corpus required Retirement Fund ( Cost of living ) 8,05,03,470 Medical corpus 46,21,238 Total 8,51,24,708 CMPlan By : Ashish Ramesh Bhave CFP Page 29 of 37
  30. 30. Private and Confidential ARB Financial Consultants International Tours Todays price of a Funture Year to tour Year Count Tour Projected price 17-Jul-16 400000 674023 5 16-Jul-21 400000 1135768.394 10 15-Jul-26 400000 1913835.795 15 14-Jul-31 400000 3224924.614 20 12-Jul-36 400000 5434185.521 25 11-Jul-41 400000 9156918.629 30Plan By : Ashish Ramesh Bhave CFPCM Page 30 of 37
  31. 31. Private and Confidential ARB Financial Consultants Other Goals Funture Todays Year Plan For Year Of Goal Projected Amount Count Amount 0 0-Jan-00 0 0 0.00 0 0-Jan-00 0 0 0 0-Jan-00 0 0 0 0-Jan-00 0 0 0 0-Jan-00 0 0 0 0-Jan-00 0 0 0 0-Jan-00 0 0 0 0-Jan-00 0 0 0 0-Jan-00 0 0Plan By : Ashish Ramesh Bhave CFPCM Page 31 of 37
  32. 32. Private and Confidential ARB Financial Consultants Financial Planners Summary CMPlan By : Ashish Ramesh Bhave CFP Page 32 of 37
  33. 33. Private and Confidential ARB Financial Consultants Planners Comment - Planning year July 2011 Future value of Sr. No Goals Goal can be achived Goal Child 1 Education 1 Graduation 33,79,488 Yes Successfully 2 MS 56,94,633 Yes Successfully 3 Marriage 43,22,427 Yes Successfully 4 Others NA Child 2 Education 1 0 NA Yes Successfully 2 0 NA Yes Successfully 3 0 NA Yes Successfully 4 0 NA Yes Successfully Retirement 1 Retirement Fund 8,51,24,708 Yes Successfully International Tours 1 Europe Tour 6,74,023 Yes Successfully 2 Europe Tour 11,35,768 Yes Successfully 3 Europe Tour 19,13,836 Yes Successfully 4 Europe Tour 32,24,925 Yes Successfully 5 Europe Tour 54,34,186 Yes Successfully 6 Europe Tour 91,56,919 Yes Successfully Car 1 Car 1 5,62,432 Yes Successfully 2 1 st change 7,69,727 Yes Successfully 3 2nd change 10,53,425 Yes Successfully 4 3rd change 14,41,684 Yes Successfully CMPlan By : Ashish Ramesh Bhave CFP Page 33 of 37
  34. 34. Private and Confidential ARB Financial Consultants Immidiate Corrective actions - Planning year July 2011 Sr. No Discription Need Calculation criteria Amount / Action to take Financial plan - Portection system This is the fund required 6 X (monthly Household Exp + Rs. 638100/- to be maintained ( as a support to Families Monthly Life style exp. + Monthly Contingency Fund 50% in Savings Flexi Fix a/c & requirements in commited Exp. Like insurance remaining in FD ) emergencies. premiums, EMI Etc.) Contingency To protect our existing Medical Insurance The Life style of Individual & Age. Continue with existing plan asset. Accidenental & To protect our existing For earning member in the family. SA : 7500000/- to Self & 4500000 General Disability Policy asset. Monthly income X 75 for spouce Insurance 2 wheeler Plolicy To protect liability Third party liability insurance. As per company rules. Creation of Fund to take care of Basic Additional SA of Rs. 66 lac& 33 lac To protect the important Term insurance Financial Goals & liabinities - Existing to you & your spouce each for 10 & financial goals & liabilities life insurance. 20 years duration Life insurance Financial Plan - Existing Investment Investments to be made Life insurance Yield from investment Continue all the policies in Efficient way ent Fixed Income instrum PPF Self NA NA NAPlan By : Ashish Ramesh Bhave CFPCM Page 34 of 37
  35. 35. Private and Confidential ARB Financial Consultants Investment strategy - Planning year July 2011 Investment Statistics Existing Financial Asset 6,80,473 Goals Funding for current year. 6,38,100 Net asset 42,373 Income in this year - regular exp. 8,57,022 Total investable surplus 8,99,395 Reserves to be maintained in short term deposits 1,79,879 timing market Available funds for regular investment 7,19,516 investment Product recommnendation Products SIP Amount Yearly amount Remarks HDFC Equity Fund 6000 72,000 DSPBR Equity Fund 6000 72,000 IDFC Premier equity 13000 1,56,000 Fund HDFC Midcap 8000 96,000 Opportunities Fund Canara Robeco 5400 64,800 emerging Equity ICICI Pru Dynamic Fund 5400 64,800 Birla Divident Yield Plus 3600 43,200 DSPBR Micro cap fund 3000 36,000 SBI Gold ETF 3,000 36,000 Total Equity & Gold 6,40,800 Bank FD Nationlised Bank 3,19,050 50% of Contingency Fund Savings A/C with Auto 3,19,050 50% of Contingency Fund sweep facility Nationlised Bank 72,000 Debt Portion of asset allocation Nationlised Bank 1,79,879 Reserves to time market Total Debt 8,89,979 CMPlan By : Ashish Ramesh Bhave CFP Page 35 of 37
  36. 36. Private and Confidential ARB Financial Consultants Investment strategy - Planning year July 2011 Asset Class Amount investment % Distribution Large cap Equity 144000 16% Midcap Equity 316800 35% Small cap Equity 36000 4% Opportunity Equity 108000 12% Gold 36000 4% Debt 72000 8% Reserves to time market 179879.0375 20% Total 892679.0375 100% Investment strategy - Planning year July 2011 Reserves to time Large cap Equity market 16% 20% Debt 8% Midcap Equity Opportunity Equity 36% 12% Gold 4% Small cap Equity 4% CMPlan By : Ashish Ramesh Bhave CFP Page 36 of 37
  37. 37. Private and Confidential ARB Financial Consultants Financial plan Prepared by Ashish Ramesh Bhave. MBA. CFP CM Contact Details : Flat no . 33, 1535,Sadashiv peth , Tilak Road Pune -411030 email : arbfinancials@gmail.com Mobile : 8793107044 CMPlan By : Ashish Ramesh Bhave CFP Page 37 of 37

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