Satish mistry   comprehensive personal financial plan
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  • Download Now, A demo copy of XLFINPLAN - A Excel based Comprehensive Personal Financial Planning Software. For any queries :- Contact Email : satish@xlfinplan.com
    Link is here : http://goo.gl/xvIxF
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  • Fantastic!!!!!!!!!!!. I feel that the report is 'IDEAL'. But, will the clients be patient enough to go through this long report? I give 3 to 4 pages report to my clients.Even then the clients complain that it is too long. Indians have to become aware of such exhaustive analysis. A very nice attempt.
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Satish mistry   comprehensive personal financial plan Satish mistry comprehensive personal financial plan Presentation Transcript

  • Sample Financial Plan Report in Excel 30/09/2012Scope of Personal Financial Plan / Financial Objective ::Based on the informations, we have obtained from you in quantitative or qualitative manner, we have analysed the same. This financial plan may provide guidance on your financialobjectives as you have mentioned during our conversation. The scope of financial plan is as follows : Cash Flow Analysis of your current Income -Expense structure and certain assumption of rise-fall in income & expenses, assessment of future situation of cash flow Analysis Assessment of emergency funds need through short term cash flow. To protect your family through adequate life insurance. To meet the future expenses with future need or in minimum - replacement of your income to your family. Analysis of Risk your current Life Insurance Portfolio & basis on that how much life insurance to be required with efficient & cost effective future cash flow in your survival mode. To seekProtection adequate Health Insurance including analysis of current General Insurance Policies you have. Investments To make a Investment portfolio, which is easy to manage, can provide timely fund for required financial goals with cost effective management & optimum returns. Complete analysis of Mutual Fund Investment Portfolio with recommendation to prepare efficient portfolio, which can earn better risk adjusted return & help to achieve future financial goal smoothly & generate wealth. Also suggest & do analysis of with profit Life Insurance policies, Pension Plans, other Fixed Return Scheme like Post Office Scheme, Company FD, NCD, FDR, Cash A/c. to maintain better liquidity, proper asset allocation with earn return in tax efficient manner. Estate Plan Estate plan assessing the financial impact upon death and the disposition. try h n tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 1
  • Sample Financial Plan Report in Excel Present Cost of Inflation Effect - Fund to be 30/09/2012be Fund to Age at Goal Financial Goal Particulars Goal Priority Goal OR Target Present Goal Amount Start required in Period required for Goal Amount will rise @Rate OR Year No. of Years % wise Amt. wise Child Age High 0 0% 0 Child Future Planning Fund for - Pre-Primary & Primary Education High 50000 10% 12 2013 - To - 2015 3 Fund for - Secondary & Higher Sec. Education High 100000 10% 15 2016 - To - 2019 4 Planning Fund for - Graduation & Higher Education Optional 100000 10% 19 2020 - To - 2022 3 For-Kevin Fund for - Post Graduation & Master Degree High 500000 10% 22 2023 - To - 2025 3 Fund for - For start in life High 1500000 5% 28 2029 1 Fund for - Marriage Expenses High 300000 6% 30 2031 1 High 0 0% 0 Fund for - Pre-Primary & Primary Education High 50000 10% 12 2013 - To - 2015 3 Planning Fund for - Secondary & Higher Sec. Education High 100000 10% 15 2016 - To - 2019 4 For- Fund for - Graduation & Higher Education Optional 100000 10% 19 2020 - To - 2022 3 Fund for - Post Graduation & Master Degree High 500000 10% 22 2023 - To - 2025 3 Sandhya High 0 0% 0 Fund for - Marriage Expenses High 300000 6% 30 2031 1 Your Age Future Financial Goal Fund for - Need - New Residential House High 3500000 6% 47 2020 1 Fund for - Need - Motor Car Medium 800000 6% 42 2015 1 Fund for - Need - Bike for Kevin Medium 70000 6% 45 2018 1 Fund for - Need - Scooty for Sandhya Medium 55000 6% 48 2021 1 Future Fund for - Need - 2 Computer System Medium 80000 5% 44 2017 1 Need & Fund for - Dream - Farm House & Land Optional 3000000 6% 57 2030 1 Fund for - Need - Home Appliances / Furniture Optional 250000 0% 10000 56 2029 1 Dreams Fund for - Dream - Create Wealth for Family Optional 5000000 0% 77 2050 1 High 0 0% 0 Fund for - Dream - Foreign Tour Optional 250000 5% 62 2035 - To - 2055 Every 5 Year Fund for - Dream - Domestic Long Tour Optional 40000 5% 57 2030 - To - 2045 Every 3 Year Your AgeRetirement Fund for - Funds to be required to provide regular expenses Planning try High 7224450 60 2033 1 h n from Retirement year onwards. Retirement tis Pla is Fund for - Medical Expenses High 500000 6% 60 2033 1 Corpus & M Fund for - Tour - Yatra Medium 1000000 5% 60 2033 1 Provision Sa ple Fund for - Donation / Gift Low 1000000 5% 60 2033 1 Fund for - Reserve Balance Optional 1000000 6% 60 2033 1 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 2
  • Sample Financial Plan Report in Excel 30/09/2012 Personal & Family Information Name : Amar Patel Office Address : Res.: 0261-12345678 123, xxxxxxxxxxxxxx Contact No.: Cell : 9999988888 xxxxxxxxxxxxxxxxxxx E-mail : amar.patel@moneycarefp.com Location / City : Surat Sex Male State : Gujarat Country: India Marital Status : Married Residential Address :Personal & Family Information Education : M.Sc. 345, zzzzzzzzzzzzzzzzz Job / Business? Doing Job zzzzzzzzzzzzzzzzzzzzzzzzz Working Field : Medical / Pharma Location / City : Surat Organisation : XYZ Co. State : Gujarat Country: India If in Job, Started Year 2000 Residential Status : Own Birth Date : 07/05/1973 Age : 39 Have you a habits of Smoking? Yes Retirement Planned at Age-Years 60 Have you a habits of chewing Gutkha? Yes Life Expectancy : Years 80 Have you a habits of drinking alcohol? Yes Spouse Information Name : Sangita Patel Working Field : Financial Services Give Details If Working, Education : B.Com. Organisation : ABC. Co. Birth Date : 16/07/1976 Age : 36 If in Job, Started Year 0 Working Status: Working Retirement Planned at Age-Years 60 Job / Business? Self Employed Life Expectancy : Years 80 Family / Dependant Information Name Sex Relationship Current Status Health Status Date of Birth Age Amar Patel Male Self Doing Job Very Good 07/05/1973 39 Sangita Patel Female Spouse / Wife Working Very Good 16/07/1976 36 Maheshbhai Patel Male Father Retired Above Average 05/02/1948 64 Sujataben Patel Female Mother Retired Average 22/11/1951 60 Kevin Male Son Studying Very Good 18/04/2001 11 try h n Sandhya Female Daughter Studying Very Good 26/02/2006 6 tis Pla is 0 0 0 0 0 0 M 0 0 0 0 0 0 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 3
  • Sample Financial Plan Report in Excel 30/09/2012 Present Situation, Findings & Analysis Present : Cash Inflow -Outflow Analysis Present Cash Flow Situation : Inflow Outflow Particulars % of Total Housing Yearly Amount Rs. Income Personal Income Spouse Income Food Expenses Current Income : Particulars Amount Rs. Other Income Personal Particulars Outflow Expenses 10% Personal Expenses Personal Income / Business Income OR Salary Income 620657 64% Personal Expenses 68400 12% Regular Income Income 620657 8% Spouse Income / Business Income OR Salary Income 180000 19% Spouse Income 180000 Housing Expenses 83400 Agriculture Income etc. 150000 16% Other Income 165000 Food Expenses 104600 Living 64% Expenses House Rent Income 0 Living Expenses 114600 13% Other Income 0 Health Expenses 52400 Other Income 0 2% 19% Entertainment Expenses 62000 Other Income 0 Investment Loan Repayment 132000 Health 17% Outflow Expenses Interest Income from Advances / Loan Given 15000 15000 Investment Outflow 257991 29% 6% 965657 Entertainm Net Total Income : ( Amount Rs.: ) 965657 ent Loan Expenses Cumulative Surplus Repayment Current Expenses : Outflow % Regular Expenses 7% Outflow % Ratio% 15% Personal Expenses 68400 14% Basic Surplus : ( Total Income - Total Expenses) Housing Expenses 83400 17% As per 700000 Food Expenses Annexure of 104600 22% Detailed 50% Living Expenses Expenses 114600 24% 600000 Sheet Health Expenses 52400 11% 500000 Entertainment Expenses 62000 13% 400000 Total Expenses : ( Amount Rs.: ) 485400Basic Surplus Basic Surplus : ( Total Income - Total Expenses) 480257 50% 300000 try & Loan Regular Payment towards Loan EMI / Interest Payment 132000 14% h n Repayment 200000 tis Pla Total Outflow : 617400 64% is Net Surplus available for Investments : 348257 36% 100000 M Surplus & Regular Investment Commitment from Surplus Amount : 257991 27% Sa ple 0Investments 2012 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 Net Outflow (After Investment Commitment) : 875391 91% By m Net Balance ( + / - ) - C/F to Cash Account : 90266 9% Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 4
  • Sample Financial Plan Report in Excel 30/09/2012 Present & Projected - Cash : Inflow -Outflow Analysis Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash : Net Total Income : ( Amount Rs.: )350000030000002500000200000015000001000000 500000 0 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033-500000 Regular Investments : Balance C/F to Cash : Net Surplus available for Investments : 700000 600000 500000 400000 300000 try 200000 h n tis Pla 100000 is 0 M 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 -100000 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 5
  • Sample Financial Plan Report in Excel 30/09/2012 Breakup of Outflow Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash : 100% 80% 60% 40% 20% 0% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 -20% Breakup of Expenses Personal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses100%90%80%70%60%50%40% try30% h n tis Pla20% is M10% Sa ple 0% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 6
  • Sample Financial Plan Report in Excel 30/09/2012 Assets ( Personal & Investments )For Personal / Family use Fixed Assets - Outstanding (Personal / Family Use ) Current Value Appreciation Depreciation Assets bought Wants to use for Assets Worth, Assets owner? Under Lien? Loan Amount of Assets Rs. (%) (%) on Loan? goal funding? as of today? Immovable Properties Rs. Fixed Assets - Residential Building / Flat 0 1500000 5% 0% Yes Yes Yes 150183 1349817 Agriculture Land 0 1500000 5% 0% No 0 No 0 1500000 Shop / Office Premises 0 0 5% 0% No 0 0 0 0 Movable Properties Furniture / Fixtures / Paintings 0 750000 0% 5% No 0 No 0 750000 Home Contents / Appliances 0 200000 0% 5% No 0 No 0 200000 Home Contents / Appliances 0 0 0% 0% No 0 0 0 0 Four Wheelers 0 300000 0% 10% Yes 0 Yes 0 300000 Four Wheelers 0 0 0% 0% No 0 0 0 0 Two Wheelers 0 35000 0% 10% Yes 0 Yes 22629 12371 Two Wheelers 0 0 0% 0% No 0 0 0 0 Two Wheelers 0 0 0% 0% No 0 0 0 0 Jewellery / Gold Ornaments 0 250000 6% 0 0 Yes 250000 Fixed Assets Appreciation Depreciation ( Investments Purpose Only )Investment Purpose (%) (%) Immovable Properties Additional Residence / Flat Fixed Assets - 0 0 5% 0% No 0 0 0 0 Commercial Land 0 0 5% 0% No 0 0 0 0 Agriculture Land 0 0 5% 0% No 0 0 0 0 Holiday Home / Farm House 0 0 5% 0% No 0 0 0 0 Shop / Office Premises 0 1000000 5% 0% No 0 0 0 1000000 Any Others 0 0 5% 0% No 0 0 0 0 Movable Properties Gold / Silver / Ornaments 0 350000 6% 0% 0 Yes 350000 Gold / Silver / Ornaments 0 100000 6% 0% 0 Yes 100000 Gold / Silver / Ornaments 0 0 6% 0% 0 0 0 Total Amount Rs.: 5985000 172812 5812188 Summary : Assets worth & Immovable Properties 3000000 150183 2849817 Personal Liabilities Movable Properties 1535000 22629 1512371 Purpose only try Total Amount Rs.: h n 4535000 172812 4362188 tis Pla Immovable Properties 1000000 0 1000000 Investment is Movable Properties 450000 0 450000 Purpose only M Total Amount Rs.: 1450000 0 1450000 Sa ple Fixed Assets : : Grand Total Rs.:: 5985000 172812 5812188 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 7
  • Sample Financial Plan Report in Excel 30/09/2012 Investments Future Future Surrender Fixed OR Weighted Current Current Asset Type Asset Category Scheme Category Investment Investment Income from Value / Cash Estimated Average Rate of Value Return (%) Allocation (%) Return (%) Commitment Investment ValueCash & EquivelantCash Cash Account Cash Account + Savings A/c. Balance 225668 225668 4.00% Bank FDR Bank Fixed Deposit : < 1 Year 120000 114000 8.00% Mutual Funds Debt -Liquid 11424 11195 8.00% - 357092 - - 350863 5.95% 5.47%Fixed Return SchemesBank & Company FDR / NCDsDebt Bank FDR Bank Fixed Deposits > 1 Year 100000 106660 - - 95994 8.16% Bonds / NCDs & Co. FDs Company FDs 135000 137371 - 45943 123634 10.49% Bonds & NCDs 250000 254064 - 40050 228657 10.42% 485000 498094 - 85993 448285 8.30% 9.96%Post Office SchemesDebt Post Office Scheme Post Office Recurring Deposit Scheme 65500 80297 24500 - 72267 7.95% Senior Citizen Savings Scheme 150000 150000 - 50625 135000 9.00% Post Office Monthly Income Scheme 350000 350000 - 106833 315000 8.14% Kisan Vikas Patra 35000 37402 - - 33662 8.41% National Savings Certificates 80000 86073 - - 77466 8.62% Post Office - Time Deposits 25000 26746 - - 24072 8.56% 705500 730518 24500 157458 657467 12.18% 8.38%Direct EquityEquity Stock Market Direct Equity - 86304 - - 64728 18.00% 1.44% 18.00%Mutual FundEquity Mutual Funds Equity - Diversified - 630663 5796000 - 567597 15.00% Equity - Diversified -ELSS - 756828 2142000 - 681146 15.00% Equity - Sectoral - 44704 - - 40234 15.00% Equity - Thematic & Others - 115360 - - 103824 15.00%Hybrid Hybrid Fund - Balanced - 14804 - - 13324 12.55% Hybrid Fund - Asset Allocation/Others - - - - - 10.00% Hybrid Fund - MIP - 17176 - - 15458 9.40%Debt Debt -Short Term, Income & G. Sec. - - - - - 8.00% - 1579536 7938000 - 1421583 26.33% 14.92%Gold / Silver ( ETF / Coins / Bars )Gold Mutual Funds Gold Funds / ETF - - - - - 8.00% try Gold / Silver- ( Coins / Bars / Ornaments) 450000 405000 6.00% h n - 450000 - - 405000 7.50% 6.00% tis Pla isReal EstateProperties Properties Investment Real Estate & Other Properties 1000000 800000 5.0% 16.67% 5.00% M Sa pleRetirement FundDebt Retirement Fund Retirement A/c. - Contribution (EPF / EPS) 315000 1710720 - 9.50% Post Office Scheme Public Provident Fund 85000 124000 147000 - - 8.00% By m 85000 439000 1857720 - - 7.32% 9.08% Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 8
  • Sample Financial Plan Report in Excel 30/09/2012 Investments Future Future Income Surrender Asset Type Asset Category Scheme Category Investment Current Value Investment from Value / Cash IRR (%) Commitment Investment ValueTraditional Life Insurance / Pension PlanDebt Life Insurance Single Prem.-Traditional Life Ins.Plan 50000 92125 - - 53213 4.80% Single Prem.-Traditional Pension Plan 45000 81500 - - 73350 3.93% Reg. Prem. -Traditional Life Insurance Plan 218966 343466 175185 37500 150004 4.78% Reg. Prem.-Traditional Pension Plan 51600 96600 77400 - 38418 5.71% 365566 613691 252585 37500 314984 10.23% 4.81%Unit Linked Life Insurance / Pension PlanEquity Life Insurance Single Prem.-Unit Linked Insurance Plan 50000 53000 - - 51000 4.49% Reg. Prem.-Unit Linked Insurance Plan 50000 30000 - - 20000 -4.23% Single Prem.-Unit Linked Pension Plan 50000 53000 - - 51000 4.49% Reg. Prem.-Unit Linked Pension Plan 60000 108000 90000 - 91000 5.03% 210000 244000 90000 - 213000 4.07% 3.66% 5998235 10162805 280951 4675909 100.00% Your Investment Portfolio is growing @pre-tax return (Weighted Average Return) 8.95% try h n tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 9
  • Sample Financial Plan Report in Excel 30/09/2012 Current Asset Allocation Analysis : 2500000 Equity 32% 2000000 Debt 1500000 38% 1000000 Gold 7% 500000 Properties 0 Cash 17% Cash Debt Equity Gold Properties 6%Current Value 357092 2300226 1890918 450000 1000000Surrender Value 350863 1437765 1682281 405000 800000 Cash Debt Equity Gold Properties 1800000 Post Office Scheme Bonds / NCDs & 14% 1600000 Co. FDs 7% Stock Market Life Insurance 1400000 1% 14% 1200000 1000000 Physical Gold / Funds / ETF 800000 Mutual Funds 7% 27% 600000 400000 Properties try Investment h n 200000 17% Bank FDR tis Pla Cash Account Retirement Fund is 4% 0 4% 5% Physical Properti M Bonds / Post Life Retirem Cash Bank Mutual Stock Gold / es NCDs & Office Insuranc ent Sa ple Account FDR Funds Market Funds / Investm Co. FDs Scheme e Fund ETF ent Cash Account Bank FDR Mutual FundsCurrent Value 225668 226660 1590960 86304 391434 854518 857691 450000 1000000 315000 Stock Market Bonds / NCDs & Co. FDs Post Office Scheme By m Life Insurance Physical Gold / Funds / ETF Properties InvestmentSurrender Value 225668 209994 1432778 64728 352291 657467 527984 405000 800000 0 Retirement Fund Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 10
  • Sample Financial Plan Report in Excel 30/09/2012 Present - Life Insurance Coverage - Details & Analysis Required Life Insurance Cover as of today : Existing Life Insurance Cover Details : Future Rate of Return in case of Death Claim Basic Sum Paid Up Value Pension Plan As per Income Scheme Type Present Death Benefit Value Rs. occurs as of today : Assured of Policy Value Rs. Replacement Concept 15% 12% 9% Traditional Plan Amar Patel Sangita Patel Others For - Amar Patel 4001168 4808964 5931571 Single Prem.-Life Insurance 55000 92125 - - - - For - Sangita Patel 2597390 3475681 4852087 Single Prem.-Pension Plan - - 50000 Reg. Prem.-Life Insurance 325000 344250 68000 86000 306952 - Reg. Prem.-Pension Plan - 95000 125000 As per Expense 4709879 6012848 7930579 380000 436375 68000 86000 401952 175000 Replacement Concept Unit Linked Plan Single Prem.-Life Insurance 60000 - - 60000 - - Reg. Prem.-Life Insurance 200000 200000 - - #DIV/0! - As Per Need Analysis Single Prem.-Pension Plan - - 60000Current Year / Immediate Exp. Reg. Prem.-Pension Plan - #DIV/0! 200000 770777 770777 770777 & Need + O/s. Liabilities 260000 200000 - 60000 #DIV/0! 260000 Future Family Expenses 4709879 6012848 7930579 ( As above) - - - - Pure Life Cover Term - - - - All Future Need for Child 3332765 4619978 6574935 Plan - - - - All Other Future Need for - - - - 2609236 3134164 3800793 Family Required Total Life Insurance @various 11422657 14537767 19077084 Total Amount Rs. 640000 636375 68000 146000 #DIV/0! 435000 scenarioLess : Present Value of Spouse / Other Income in Future 4540286 5838038 7765956 Life Insurance Need @various concept & scenario 25000000Required Net Life Insurance 6882371 8699729 11311128 Cover 20000000 @Return : 15% @Return : 12% @Return : 9%Less : As per Income replacement 15000000 4001168 4808964 5931571 Available Resources As per Expenses replacement 4709879 6012848 7930579 10000000 Surrender Value of All As per Need Analysis 11422657 14537767 19077084 4495138 4495138 4495138 Investments 5000000 Shortfall (If any) - As per Need Analysis -1750858 -3568216 -6179615 Existing Death Benefit 0 Coverage - through Life 636375 636375 636375 try h n Insurance -5000000 tis Pla Available life cover shield is -10000000through Investments & Life 5131513 5131513 5131513 @Return : 15% @Return : 12% @Return : 9% M Insurance As per Income replacement 4001168 4808964 5931571 Sa ple As per Expenses replacement 4709879 6012848 7930579 Shortfall of Life Insurance As per Need Analysis 11422657 14537767 19077084 1750858 3568216 6179615 Coverage (if any) By m Shortfall (If any) - As per Need Analysis -1750858 -3568216 -6179615 Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 11
  • Sample Financial Plan Report in Excel 30/09/2012 Present - Outstanding Loan Liabilities Details : Outstanding - Outstanding Outstanding Outstanding - Interest rate EMI Amount Interest Sr_No. Assets Name Loan for? Loan Balance Period in Total Amount today onwards Rs. Amount to be Rs. Months to be paid paid 1 Residential Building / Flat Personal Assets 150183 63 9.00% 3000 38817 189000 2 Two Wheelers Personal Assets 22629 12 11.00% 2000 1371 24000 3 Credit Card Outstandings For Expenses / Other Need 63167 48 36.00% 2500 56833 120000 4 Credit Card Outstandings For Expenses / Other Need 43665 36 36.00% 2000 28335 72000 5 Loan from Friends / Relatives For Expenses / Other Need 100000 0 0.00% 0 0 0 6 0 0 0 0 0.00% 0 0 0 7 0 0 0 0 0.00% 0 0 0 8 0 0 0 0 0.00% 0 0 0 9 0 0 0 0 0.00% 0 0 0 10 0 0 0 0 0.00% 0 0 0 11 0 0 0 0 0.00% 0 0 0 12 0 0 0 0 0.00% 0 0 0 13 0 0 0 0 0.00% 0 0 0 14 0 0 0 0 0.00% 0 0 0 15 0 0 0 0 0.00% 0 0 0 379644 9500 125356 405000 Loan Ratio - for Continue Existing Loan Loan Ratio - Continue Existing Loan with Planned Future Loan Loan Ratio - with Self Earning Loan Ratio - with Total Income Loan Ratio - with Self Earning Loan Ratio - with Total Income30% 40% 35%25% 30%20% 25%15% 20% 15%10% try 10% h n5% tis Pla 5% is M0% 0% 2012 2013 2014 2015 2016 2017 2018 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 12
  • Sample Financial Plan Report in Excel 30/09/2012 Net Worth Statement Immediate Current Outstanding Fixed Assets Valuation Rs. Liquidation Loan Payment Liabilities Loan Amt. Rs. Value Rs. For Personal & Family use 4535000 3628000 For Fixed Assets : Personal Purpose 172812 ( Indluding Immovable & Movable Properties) ( Land / Building /Flats /Vehicles/Home contents Etc.) Total : Fixed Assets :: Rs.: 4535000 3628000 For Investment Purpose : Real Estate / Properties 0 Current Surrender Financial Investments Valuation Rs. Valuation Rs. Outstanding Loan : On Fixed Assets -Rs.: 172812 Liabilities Assets Cash & Equivelant 357092 350863 Outstanding Payment Liabilities for Expenses type Loan Loan Amt. Rs. Bank & Company FDR / NCDs 498094 448285 Post Office Schemes ( Excluding - PPF A/c.) 730518 657467 Direct Equity Loan Payment - EMI Mode -Net Worth Statement 86304 64728 106831 Mutual Fund -( Excluding - Liquid Fund/Gold ETF) 1579536 1421583 ( Personal Loan + Credit Card ) Gold / Silver ( ETF / Coins / Bars ) 450000 405000 Real Estate 1000000 800000 Loan from relatives / friends - Regular / Cum. Interest 100000 Retirement Fund - ( EPS / EPS / PPF) 439000 0 Traditional Life Insurance / Pension Plan 613691 314984 Unit Linked Life Insurance / Pension Plan 244000 213000 Outstanding Loan : Total : Financial Investments :: Rs.: 5998235 4675909 206831 Advances to Friends / Relatives / Others 100000 100000 (For Expenses & Other Need) -Rs.: Grand Total :: Assets :: Amount Rs.: 10633235 8403909 Grand Total : Liabilities :: Amount :: Rs.: 379644 Less : Outstanding Loan Liabilities 379644 379644 Assets - Liabilities -(% wise) 100% Present Net Worh :: Amount Rs.: 10253592 8024266 90% 80% Net Worth Analysis : 70% 12000000 60%Particulars Current Value Rs.: Surrender Value Rs.: Particulars Current Value Rs.: Surrender Value Rs.: 10000000 Assets 10633235 8403909 50%Assets 10633235 8403909 8000000 Liabilities 379644 379644 40%Liabilities 379644 379644 Net Worth 10253592 8024266 30% 6000000 4000000 20% try h n 10% 2000000 tis Pla 0% is 0 Current Value Rs.: Surrender Value Rs.: Assets Liabilities Net Worth M Current Value Rs.: 10633235 379644 10253592 Liabilities 379644 379644 Sa ple Surrender Value Rs.: 8403909 379644 8024266 Assets 10633235 8403909 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 13
  • Sample Financial Plan Report in Excel 30/09/2012Savings to Income Ratio : Current Value Method / Formula to arrive ratio : (Current Investment Value / Current Income) Current Value of your Savings / Investments is Rs. 5998235 Your Annual Income Self +Spouse Income Rs. 800657 7.49 Your Savings /Investments are 7.49 times of your Annual Income -(Self + Spouse Income) Total Income (Excl. Interest / Div. Income) Rs. 950657 6.31 Your Savings /Investments are 6.31 times of your Total Annual IncomeDebt to Income Ratio : Current Value Method / Formula to arrive ratio : (Current Financial Obligation OR Liabilities / Annual Income) Current Value of your O/s. Payment Liabilities 379644 Your Annual Income Self +Spouse Income Rs. 800657 0.47 Your Debt to Income Ratio is 0.47 with your Annual Income -(Self + Spouse Income) Total Income (Excl. Interest / Div. Income) Rs. 950657 0.40 Your Debt to Income Ratio is 0.40 with your Total Annual Income. cSavings Rate to Income Ratio : Current Value Method / Formula to arrive ratio : (Total Annual Savings / Investment Commitment / Annual Income) Total Annual Savings / Investment Commitment Rs. 257991 ( EPF Contribution (if any) + Regular Investment Commitment) Your Annual Income is try h n Self +Spouse Income Rs. 800657 32% Your Savings Rate Ratio is 32% with your Annual Income -(Self + Spouse Income) tis Pla is Total Income (Excl. Interest / Div. Income) Rs. 950657 27% Your Savings Rate Ratio is 27% with your Total Annual Income M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 14
  • Sample Financial Plan Report in Excel 30/09/2012Basic Liquidity Ratio : Current Value Method / Formula to arrive ratio : (Total Liquid Assets / Monthly Outflow of Expenses & Loan EMI ) Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) 357092 Your Annual Outflow Monthly Amt. Yearly Expenses Amount Rs. 485400 40450 Total Annual Payment of EMI + Interest 132000 11000 51450 6.94 Your have 6.94 months of instant liquid balance to sustain routine expenses. (Surrender Value of Investments / Monthly Outflow of Expenses & Loan EMIExpanded Liquidity Ratio : Current Value Method / Formula to arrive ratio : ) Surrender / Liquidity -Value of Investments -Rs. 4675909 Your Annual Outflow Monthly Amt. Yearly Expenses Amount Rs. 485400 40450 Total Annual Payment of EMI + Interest 132000 11000 51450 90.88 Your have 90.88 months of provision to sustain living standard, if unable to earn on regular basis. try h n tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 15
  • Sample Financial Plan Report in Excel 30/09/2012Liquid Assets Coverage Ratio : Current Value Method / Formula to arrive ratio : ( Total Liquid Assets / Total Debt ) Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) 357092 Total Debt / O/s. Liabilities 379644 0.94 Your Liquid Assets Coverage Ratio is 0.94Solvency Ratio : Current Value Method / Formula to arrive ratio : (Surrender Value of Investments / Total O/s. Liabilities ) Surrender / Liquidity -Value of Investments -Rs. 4675909 Total Debt / O/s. Liabilities 379644 12.32 Your Assets is 12.32 times of debt available to repay your debt. (Cur. value of Investment - liabilities + Death Benefit by Life Ins./ AnnualLife Insurance Coverage Ratio : Current Value Method / Formula to arrive ratio : Income ) Value of Investments (Excl.- LI Policy) - Liabilies + Death 5657996 try Benefit of Life Ins. Policy h n tis Pla is Your Annual Income - Rs. 620657 9.12 Your Assets + Death Benefit is covering your annual income is 9.12 times. M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 16
  • Sample Financial Plan Report in Excel 30/09/2012 Following is the life insurance cover amount, which will provided to your family in your absence & generate return on that @ various rate by your family to fulfil their needs. Wants toI wish to provide Life Insurance cover to my family for following Present Cost of Inflation Effect - Fund to be Fund to be Protect Need & Different Rate of Return, Scenario of Future Cash Goal OR Target Present Goal Amount will rise required in required for No. Provide Life Flow in your absence & Provide Financial Shelter future needs & liabilities. Goal Amount @Rate Period OR Year of Years Cover to your Family Yes /No. % wise Amt. wise 15% 12% 9%Expenses for Housing Expenses 83400 6% 0 2013 - to - 2033 21 Yes Family Future Family Food Expenses 104600 8% 0 2013 - to - 2033 21 Yes Living Expenses 114600 7% 0 2013 - to - 2033 21 Yes 4709879 6012848 7930579 Expenses Health Expenses 52400 10% 0 2013 - to - 2033 21 Yes Entertainment Expenses 62000 10% 0 2013 - to - 2033 21 Yes % wise Amt. wise 0 0% Yes Fund for - Pre-Primary & Primary Education 50000 10% 2013 - To - 2015 3 Yes Child Future Planning Fund for - Secondary & Higher Sec. Education 100000 10% 2016 - To - 2019 4 Yes Planning Fund for - Graduation & Higher Education 100000 10% 2020 - To - 2022 3 Yes 1915908 2576740 3543851 For-Kevin Fund for - Post Graduation & Master Degree 500000 10% 2023 - To - 2025 3 Yes Fund for - For start in life 1500000 5% 2029 1 Yes Fund for - Marriage Expenses 300000 6% 2031 1 Yes Fund for -- Child Care Expenses Yes Fund for -- Pre-Primary & Primary Education 50000 6% 2013 - To - 2020 8 Yes Planning Fund for -- Secondary & Higher Sec. Education 100000 6% 2021 - To - 2024 4 Yes For- Fund for -- Graduation & Higher Education 100000 10% 2025 - To - 2027 3 Yes 1416858 2043238 3031083 Sandhya Fund for -- Post Graduation & Master Degree 500000 10% 2028 - To - 2030 3 Yes 0 0% Yes Fund for -- Marriage Expenses 500000 6% 2032 1 Yes Future Financial Need - Fund for - New Residential House 3500000 6% 2020 1 Yes Need - Fund for - Motor Car 800000 6% 2015 1 Yes Goal Future Need - Fund for - Bike for Kevin 70000 6% 2018 1 Yes 2609236 3134164 3800793 Need Need - Fund for - Scooty for Sandhya 55000 6% 2021 1 Yes Need - Fund for - 2 Computer System 80000 5% 2017 1 Yes Need - Fund for - Home Appliances / Furniture 250000 0% 10000 2029 1 Yes Gross Life Insurance Cover for Future Need : Amount Rs. :: 10651880 13766990 18306307 try h n Spouse Income -( Subject to Life Insurance Cover available ) Yes Less : tis Pla 4430286 5728038 7655956 is Other Income Agriculture Income etc. Yes Total Income from other sources Yes M Total Life Insurance required for future need : Amount Rs. : 6221594 8038952 10650351 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 17
  • Sample Financial Plan Report in Excel 30/09/2012 B / F => Total Life Insurance required for future need : Amount Rs. : 6221594 8038952 10650351 Required Wants to Required Add : Present OR Immediate Need / Particulars Amount Rs. Protect Need? Present OR Immediate Need / Particulars Amount Rs. Loan Outstanding Loan Liabilities - 379644 N.A. Misc. Need 250000 Repayment For Assets & Cash Loan Amount required for Housing Expenses 22800 Yes 0 0Immediate Need OR in Food Expenses 27800 Yes Other 0 0 Current Year - Family Need Living Expenses 34867 Yes 0 0 i.e. in 2012 Expenses Health Expenses 38200 Yes 0 0 Entertainment Expenses 17467 Yes 0 0 Total required Amount Rs.: 520777 Total required Amount Rs.: 250000 770777 Less : Present OR immediate income from spouse & other income 110000 Total Life Insurance Cover for Present Need : Amount Rs. :: 660777 660777 660777 Gross Life Insurance required to protect all need of your family in your absence : (@ various rate ) :: 6882371 8699729 11311128 12% <== Select future Interest Rate on Lump sum Investment from life insurance claim amount to provide a shelter to family Life Insurance Death Claim Cash Flow Statement Present & Future Need to Family in your absence Less : Future Income Life Insurance To cover future To cover future Current & Net Amount Spouse Income Interest on Closing to be required / Family Outstanding expenses : expenses : Future Financial to be required Sr. Year Your Age Spouse Age (Subject to Life Other Income Balance Amt. Balance Opening Expenses Loan Liabilities Planning For- Planning For- Needs for in future Ins.Cover ) Balance Kevin Sandhya Family 1 2012 39 36 8699729 141133 379644 250000 60000 50000 660777 964674 9003627 2 2013 40 37 9003627 449834 55000 53000 0 197773 180000 180061 1058828 9882394 3 2014 41 38 9882394 485343 60500 56180 0 215513 196500 190010 1163086 10855470 4 2015 42 39 10855470 523753 66550 59551 952813 235038 214650 1152979 1164299 10866790 5 2016 43 40 10866790 565308 146410 63124 0 256297 234615 283930 1269943 11852804 6 2017 44 41 11852804 610275 161051 66911 102103 280818 256577 402945 1373983 12823842 7 2018 45 42 12823842 658942 177156 70926 99296 307324 280734 418262 1488670 13894249 8 2019 46 43 13894249 711625 194872 75182 0 335927 307308 338443 1626697 15182503 9 2020 47 44 15182503 768665 214359 79692 5578468 366925 436538 5837721 1121374 10466155 10 2021 48 45 10466155 830435 235795 168948 92921 401534 353692 572873 1187194 11080476 11 2022 49 46 11080476 897340 259374 179085 0 466874 389061 479864 1272073 11872685 12 2023 50 47 11872685 969820 1426558 189830 0 512160 427968 1646081 1227193 11453797 13 2024 51 48 11453797 1048355 1569214 201220 0 558232 470764 1789792 1159681 10823685 14 2025 52 49 10823685 1133467 1726136 345227 0 608905 517841 2078084 1049472 9795073 15 2026 53 50 9795073 1225724 0 379750 0 664649 569625 371200 1130865 10554739 16 2027 54 51 10554739 1325744 0 417725 0 725959 626587 390923 1219658 11383474 17 2028 55 52 11383474 1434202 0 2297486 0 793404 689246 2249039 1096132 10230568 18 2029 56 53 10230568 1551831 3438027 2527235 420000 867595 758171 6311328 470309 4389549 19 2030 57 54 4389549 1679430 0 2779959 0 949120 833988 2676281 205592 1918860 try 20 2031 58 55 1918860 1817871 907680 0 0 1028589 917386 779576 136714 1275997 h n 21 2032 59 56 1275997 1968103 0 1603568 0 1115994 1009125 1446552 -20466 -191021 tis Pla 22 2033 60 57 -191021 2131160 0 0 0 1212143 1110037 -191021 0 0 is 23 2034 61 58 0 0 0 0 0 0 0 0 0 0 M 24 2035 62 59 0 0 0 0 0 0 0 0 0 0 25 2036 63 60 0 0 0 0 0 0 0 0 0 0 Sa ple 26 2037 64 61 0 0 0 0 0 0 0 0 0 0 27 2038 65 62 0 0 0 0 0 0 0 0 0 0 28 2039 66 63 0 0 0 0 0 0 0 0 0 0 By m 29 2040 67 64 0 0 0 0 0 0 0 0 0 0 30 2041 68 65 0 0 0 0 0 0 0 0 0 0 Sa 31 2042 69 66 0 0 0 0 0 0 0 0 0 0 Contact : Satish Mistry, Email: moneycarefp@gmail.com 18
  • Sample Financial Plan Report in Excel 30/09/2012 Available Life Insurance Coverage through existing Life Insurance Policies With Coverage through Existing Assets Value Exis ng Life Insurance Coverage -Death Benefit Value Rs. 636375 For : Amar Patel Basic Sum Present Death Paid Up Value of Surrender Value Schem Category / Particulars Current Value Add : Assured Benefit Value Policy Rs.Traditional Life Insurance PlanReg. Prem. -Traditional Life Insurance Plan 225000 344250 249178 224286 107559 Existing Investment Value Rs. :Single Premium -Traditional Life Insurance Plan 55000 92125 92125 - 53213 280000 436375 341303 224286 160771 Investment Instrument Current Value Surrender Value Select OptionUnit Linked Life Insurance Plan Cash Account 225668 225668Reg. Prem.-Unit Linked Insurance Plan 200000 200000 30000 33000 20000 Bank FDR 226660 209994Single Premium -Unit Linked Insurance Plan - - - - - Mutual Funds 1590960 1432778 200000 200000 30000 33000 20000 Stock Market 86304 64728Life Insurance : Pure Term Plan Bonds / NCDs & Co. FDs 391434 352291 Surrender - - Post Office Scheme 854518 657467 4495138 Value >> - - Other Life Ins. & Pension Plan 486388 347213 - - Physical Gold / Funds / ETF 450000 405000 - - Properties Investment 1000000 800000 Retirement Fund 315000 0 Total Amount Rs.: 480000 636375 371303 257286 180771 Present available coverage to family - Amount Rs.: 5131513 14000000 For : Sangita Patel 12000000 Basic Sum Present Death Pension Plan Surrender Value 10000000 Schem Category / Particulars Current Value Assured Benefit Value Value Rs. Rs. Particulars 8000000 @Return : 15% @Return : 12% @Return : 9%Traditional Life Insurance Plan Reqired Life Ins. Cover 6882371 6000000 8699729 11311128Reg. Prem. -Traditional Life Insurance Plan 50000 68000 24400 14667 8275 Exsting Life Ins. Cover 5131513 4000000 5131513 5131513Single Prem. -Traditional Life Insurance Plan - - - - - Shortfall (if any) 2000000 -1750858 -3568216 -6179615 50000 68000 24400 14667 8275 0Unit Linked Life Insurance Plan -2000000Reg. Prem.-Unit Linked Insurance Plan - - - - - -4000000Single Premium -Unit Linked Insurance Plan - - - - - -6000000 - - - - - -8000000Life Insurance - Pure Term Plan @Return : 15% @Return : 12% @Return : 9% - - Reqired Life Ins. Cover 6882371 8699729 11311128 - - Exsting Life Ins. Cover 5131513 5131513 5131513 - - Shortfall (if any) -1750858 -3568216 -6179615 - - Gross Life Insurance Need to 15% 12% 9% Total Amount Rs.: 50000 68000 24400 14667 8275 Family : (As above Calculated) 6882371 8699729 11311128 try h n Required Life Insurance Coverage : 15% 12% 9% Existing available coverage to tis Pla 5131513 5131513 5131513 is As per Income Replacement Strategy : 2597390 3475681 4852087 family - Amount Rs. M Available Life Insurance Coverage : 68000 68000 68000 Sa ple Additional Life Insurance cover to be Additional Life Insurance Cover to be required required to protect your family in By m 2529390 3407681 4784087 1750858 3568216 6179615 for : Sangita Patel your absence : Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 19
  • Sample Financial Plan Report in Excel 30/09/2012 15182503 Required V/s. Available -Life Insurance Cover Analysis 13894249 1282384216000000 11872685 11852804 11453797 11383474 11080476 10866790 10855470 1082368514000000 10554739 10466155 10230568 9882394 979507312000000 9003627 8699729100000008000000 43895496000000 1918860 127599740000002000000 0 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 Available Life Ins. Cover Shortall in Life Ins. Cover Required Life Ins. Cover Need to be covered V/s.Need to be met & Shortfall to Need Cover Need to be met with existing life cover Shortfall to need with existing cover Total Need to be Cover 6311328 5837721 7000000 6000000 5000000 4000000 2676281 2249039 2078084 1789792 3000000 1646081 1446552 try 1152979 h n 2000000 779576 660777 tis Pla 572873 479864 418262 402945 390923 is 371200 338443 283930 190010 180061 1000000 M Sa ple 0 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032-1000000 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 20
  • Sample Financial Plan Report in Excel 30/09/2012 Findings from your Risk Analysis1 Your age is : 30 - 402 Your current annual take-home income is : between Rs.500,000 and Re.10,00,0003 The number of years you have until retirement is : 15 years or more4 Your present job or business is : Is relatively secure5 What is your expectation of how your future earnings would be : It would keep pace with inflation6 How would you describe yourself as a risk-taker? low risk taking capability7 How good is your knowledge of finance? Im proficient in finance If you lose your job or stop working today, how long do you think your savings can8 6 months to 1 year support you9 If you had Rs.50,000 to invest, which of the following choices would you make ? Invest the money in Mutual Funds10 You have a market tip on the price appreciation of a certain scrip, you : Do some enquiry and analysis and then decide You are on a TV game show and you win Rs.10,000. You have a choice to keep the11 Risk the Rs.10,000 on a 50% chance of winning Rs.30,000 money or risk it to win a higher amount. You : Which one of the following best describes your feeling immediately after making an12 Are satisfied and content with the decision investment, you : The stock market has dropped 25% and a share that you own also dropped 25%, but13 Sell some of them the market expects the share to go up again. What would you do ? You have a substantial sum of money spare for about 6 months after which you need this sum14 invest the money in Open ended Equity Oriented Mutual Fund to repay a loan, this sum is currently not invested anywhere. You would: You are financially responsible for (exclude dependants who can be supported by your15 2 to 3 persons besides youself spouses income) Your risk analysis from above questionnaire try h n Result of Risk Analysis Your risk profile is suggest that you are a - tis Pla is Risk Capacity High M Risk Behaviour Balanced - (Medium Risk) Balanced - (Medium Risk) - type of investor Sa ple Aggregate Balanced - (Medium Risk) By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 21
  • Sample Financial Plan Report in Excel 30/09/2012 Goal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation With Existing Investment Portfolio Finding from Your Risk Analysis Non Maturity based Investment Portfolio Existing Expected Calculation of Required Emergency Fund. ( i. e. Direct Equity + Mutual Fund) Portfolio Return (%) Result of Risk Analysis Particulars Current Value Cash / S.B. A/c. / Bank FDR <1 Year 345668 5% Risk Analysis Risk Capacity High Debt -Liquid Regular Expenses 485400 11424 8% Loan EMI Amount 132000 Debt -Short Term, Income & G. Sec. 0 8% Emergency Fund - Risk Behaviour Balanced - (Medium Risk) Regular Investment Commitment 257991 Direct Equity 86304 18%Should be kept in form of Cash Equity - Diversified Total Yearly Outflow Amount Rs. 875391 630663 15% & Equivalent Advice to kept emergency For Months Aggregate Balanced - (Medium Risk) Equity - Diversified -ELSS 756828 15% fund in Cash or Equivalent 291797 Equity - Sectoral 44704 15% for the Month Nos. >>>> 4 Equity - Thematic & Others 115360 15% Hybrid Fund - Balanced 14804 13% Your risk profile is suggest that you are a - Hybrid Fund - Asset Allocation/Others 0 10%Also required fund in Cash & Equivalent Total Amount to be required in Currentfor Current Year Requirements ( If any) Year ( i.e. in Year ) 250000 Balanced - (Medium Risk) - type of investor Hybrid Fund - MIP 17176 9% Gold Funds / ETF 0 8% Total Amount & Weighted Avg. Return 2022932 13.38% Post Tax Rate of Return - Assumption Financial Concerns Future Need - Period breakup with required Rate of Return Non Maturity based Expected Investment Portfolio Existing Portfolio Wighted Inflation Extremely Concern Post Tax - For - Pre - Retirement Period : Period (Years) : ( i. e. Direct Equity + Mutual Portfolio Weightage Average Tax Relief/advantage Slightly Concern Return Select Fund) Return (%) Safety/ Security Slightly Concern Short Term Need 0 - to - 3 8% Short to Medium Term 374268 19% 9.54% Period Liquidity Not Concern Medium Term Need 4 - to - 7 9% Medium to Long Term 1162765 57% 9.88% ( No. of Years ) 22 Generating Income Not Concern Long Term Need Long Term Funds 485900 24% 12.00% upto Retirement.: 12% Ease of Management Extremely Concern 8 - Year onwards Total : 2022932 100.00% 9.54% Note : Age : 60 Post Tax Rate Investment Priorities Retirement : 2033 of Return (%) If retirement period is fall in Short / Medium Term Year : Post Retirement Preserve Capital Some Extent Age : 80 Rate of Return (%) Period, Long Term Return Rate is automatically Life Expectacy : 7% Regular Income Not Priority Year : 2053 replaced by Post Retirement Rate of Return. Please Timely Goal Achievement Very Important check first, how much year left to retirement. Optimum Return Fairly Important Select : Retirement Cash Flow - With Accumulation & Consumption. 2 Growth Over Time Very Important Maximum Growth Some Extent Planners Note try h n tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 22
  • Sample Financial Plan Report in Excel 30/09/2012 Goal Selection Inflation Goal Funding Goal FundingFinancial Goal Particulars Present Cost Effect - Period ( Years) Fund to be Fund to be Wants to include OR If Goal Selection is "Yes", Goal Future Goal - Amt. from Amount Total Possible Possible Goal Age at Goal of Goal OR Present Goal required in Calculate your Assets through Goal Shortfall in Shortfall in available for required for Goal Priority Goal Amt. with Funding from Amount to be Achievement Start Target Goal Amount will Period OR Assets Liquidation required Rs. Liquidation / Financial Achievement Goal Amt. Rs. Goal %wise Regular No. of Years Current Cash %wise Amount rise @%wise Year Flow? / Future Loan? Future Loans - Investment Amt. Rs. Investments OR Amt.wise Rs. A/c. Child Age % OR/ Amt,wise After calculating with your actual cash flow 0 0 0 High Yes N.A. 0 0 0 0 0 0% 0% Fund for - Pre-Primary & Primary Education 12 50000 10.00% 1 2013 - To - 2015 3 High Yes N.A. 182050 0 182050 182050 0 100% 0% Fund for - Secondary & Higher Sec. Education 15 100000 10.00% 4 2016 - To - 2019 4 High Yes N.A. 679489 0 679489 679489 0 100% 0% Child Future Planning Planning Fund for - Graduation & Higher Education 19 100000 10.00% 8 2020 - To - 2022 3 Optional Yes N.A. 709528 0 709528 709528 0 100% 0% For-Kevin Fund for - Post Graduation & Master Degree 22 500000 10.00% 11 2023 - To - 2025 3 High Yes N.A. 4721908 0 4721908 4721908 0 100% 0% Fund for - For start in life 28 1500000 5.00% 17 2029 1 High Yes Yes 3438027 1719014 1719014 3438027 0 100% 0% Fund for - Marriage Expenses 30 300000 6.00% 19 2031 1 High Yes Yes 907680 363072 544608 907680 0 100% 0% Child Age 10638682 2082086 8556597 10638682 0 100% 0% 0 0 0 High Yes N.A. 0 0 0 0 0 0% 0% Fund for -- Pre-Primary & Primary Education 7 50000 6.00% 1 2013 - To - 2020 8 High Yes N.A. 524566 0 524566 524566 0 100% 0% Planning Fund for -- Secondary & Higher Sec. Education 15 100000 6.00% 9 2021 - To - 2024 4 High Yes N.A. 739082 0 739082 739082 0 100% 0% For- Fund for -- Graduation & Higher Education 19 100000 10.00% 13 2025 - To - 2027 3 High Yes N.A. 1142702 0 1142702 1142702 0 100% 0% Sandhya Fund for -- Post Graduation & Master Degree 22 500000 10.00% 16 2028 - To - 2030 3 High Yes N.A. 7604680 0 2297486 2297486 5307194 30% 70% Fund for -- Marriage Expenses 26 500000 6.00% 20 2032 1 High Yes Yes 1603568 801784 801784 1603568 0 100% 0% 0 0 0 High Yes N.A. 0 0 0 0 0 0% 0% Your Age 11614598 801784 5505620 6307404 5307194 54% 46% Future Financial Need - Fund for - New Residential House 47 3500000 6.00% 8 2020 1 High Yes Yes 5578468 2789234 2789234 5578468 0 100% 0% Need - Fund for - Motor Car 42 800000 6.00% 3 2015 1 Medium Yes Yes 952813 476406 476406 952813 0 100% 0% Goal Future Need - Fund for - Bike for Kevin 45 70000 6.00% 6 2018 1 Medium Yes Yes 99296 0 99296 99296 0 100% 0% Need Need - Fund for - Scooty for Sandhya 48 55000 6.00% 9 2021 1 Medium Yes Yes 92921 0 92921 92921 0 100% 0% Need - Fund for - 2 Computer System 44 80000 5.00% 5 2017 1 Medium Yes Yes 102103 0 102103 102103 0 100% 0% Need - Fund for - Home Appliances / Furniture 56 250000 10000 17 2029 1 Optional Yes Yes 420000 0 0 0 420000 0% 100% Your Age 7245601 3265641 3559961 6825601 420000 94% 6% Retirement Funds to be required to provide regular 60 7224450 0 21 2033 1 High Yes 71115515 0 32503095 32503095 38612420 46% 54% Planning expenses from Retirement year onwards. Retirement Retirement Need Provision - Medical Expenses 60 500000 6.00% 21 2033 1 High Yes 1699782 0 1699782 1699782 0 100% 0% Corpus & Retirement Need Provision - Tour - Yatra 60 1000000 5.00% 21 2033 1 Medium Yes 2785963 0 2785963 2785963 0 100% 0% Provision Retirement Need Provision - Donation / Gift 60 1000000 5.00% 21 2033 1 Low Yes 2785963 0 2785963 2785963 0 100% 0% Retirement Need Provision - Reserve Balance 60 1000000 6.00% 21 2033 1 Optional Yes 3399564 0 3399564 3399564 0 100% 0% Your Age 81786786 43174365 43174365 38612420 53% 47% Future Financial try h n Dream - Fund for - Farm House & Land 57 3000000 6.00% 18 2030 1 Optional Yes Yes 8563017 0 0 0 8563017 0% 100% tis Pla Dream - Fund for - Create Wealth for Family 77 5000000 21 2050 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100% is Goal Future 0 0 0 High Yes Yes 0 0 0 0 0 0% 0% M Dreams Dream - Fund for - Domestic Long Tour 57 40000 5.00% 18 2030 - To - 2045 Every 3 Year Optional Yes Yes 859051 0 762786 762786 96265 89% 11% Sa ple Dream - Fund for - Foreign Tour 62 250000 5.00% 21 2035 - To - 2055 Every 5 Year Optional Yes Yes 4595080 0 2998710 2998710 1596369 65% 35% 19017148 0 3761496 3761496 15255652 20% 80% 130302815 6149510 64558039 70707549 59595266 54% 46% By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 23
  • Sample Financial Plan Report in Excel 30/09/2012 Age : Loan Regular Net Balance Spouse Agriculture Surplus Total Loan Repayment Net Surplus Self Income Total Investment (+/-)Sr. No. Year Amar Patel Sangita Patel Kevin Sandhya Income Income Other Income Total Income (Basic Cash Repayment For Future for Savings / ( Net of Tax ) Expenses Commitment @Each Year (Net of Tax) (if any) Flow) Amount Rs. Goal Amount Investment (Outflow) Ended Rs. 0 2012 39 36 11 6 206886 60000 50000 3750 320636 161800 158836 33000 125836 82053 43783 1 2013 40 37 12 7 623026 197773 165000 15000 1000799 522338 478461 126000 0 352461 263991 88470 2 2014 41 38 13 8 622490 215513 181500 15000 1034504 562197 472306 108000 0 364306 281991 82315 3 2015 42 39 14 9 623562 235038 199650 15000 1073249 605218 468031 202000 68790 197240 299991 -102751 4 2016 43 40 15 10 623489 256297 219615 15000 1114402 651661 462740 58500 68790 335450 312991 22459 5 2017 44 41 16 11 625755 280818 241577 15000 1163149 701809 461340 36000 68790 356550 317991 38559 6 2018 45 42 17 12 625405 307324 265734 15000 1213464 755969 457495 0 68790 388705 335991 52714 7 2019 46 43 18 13 625405 335927 292308 15000 1268640 814473 454167 0 68790 385376 353991 31385 8 2020 47 44 19 14 625405 366925 321538 115000 1428868 877684 551184 0 69747 481437 361335 120102 9 2021 48 45 20 15 628495 401534 353692 0 1383721 945995 437726 0 69747 367978 358335 9643 10 2022 49 46 21 16 663598 466874 389061 0 1519533 1019834 499699 0 69747 429952 374217 55735 11 2023 50 47 22 17 663598 512160 427968 0 1603725 1099664 504062 0 69747 434314 386527 47787 12 2024 51 48 23 18 663598 558232 470764 0 1692594 1185989 506605 0 69747 436858 404527 32331 13 2025 52 49 24 19 663598 608905 517841 0 1790343 1279359 510984 0 69747 441237 416077 25160 14 2026 53 50 25 20 663598 664649 569625 0 1897872 1380369 517502 0 69747 447755 434077 13678 15 2027 54 51 26 21 663598 725959 626587 0 2016144 1489669 526475 0 69747 456728 450000 6728 16 2028 55 52 27 22 663598 793404 689246 0 2146247 1607962 538286 0 69747 468538 468000 538 17 2029 56 53 28 23 663598 867595 758171 0 2289363 1736016 553347 0 69747 483600 486000 -2400 18 2030 57 54 29 24 663598 949120 833988 0 2446706 1874667 572038 0 69747 502291 504000 -1709 19 2031 58 55 30 25 663598 1028589 917386 0 2609572 2024822 584750 0 69747 515003 522000 -6997 20 2032 59 56 31 26 663598 1115994 1009125 0 2788717 2187471 601246 0 69747 531499 540000 -8501 21 2033 60 57 32 27 663598 1212143 1110037 0 2985778 2363690 622088 0 69747 552341 558000 -5659 22 2034 61 58 33 28 0 1317908 0 0 1317908 0 1317908 0 69747 1248161 0 1248161 23 2035 62 59 34 29 0 1434254 0 0 1434254 0 1434254 0 0 1434254 0 1434254 24 2036 63 60 35 30 0 1562224 0 0 1562224 0 1562224 0 0 1562224 0 1562224 25 2037 64 61 36 31 0 0 0 0 0 0 0 0 0 0 0 0 26 2038 65 62 37 32 0 0 0 0 0 0 0 0 0 0 0 0 27 2039 66 63 38 33 0 0 0 0 0 0 0 0 0 0 0 0 28 2040 67 64 39 34 0 0 0 0 0 0 0 0 0 0 0 0 29 2041 68 65 40 35 0 0 0 0 0 0 0 0 0 0 0 0 30 2042 69 66 41 36 0 0 0 0 0 0 0 0 0 0 0 0 31 2043 70 67 42 37 0 0 0 0 0 0 0 0 0 0 0 0 32 2044 71 68 43 38 0 0 0 0 0 0 0 0 0 0 0 0 33 2045 72 69 44 39 0 0 0 0 0 0 0 0 0 0 0 0 34 2046 73 70 45 40 0 0 0 0 0 0 0 0 0 0 0 0 35 2047 74 71 46 41 0 0 0 0 0 0 0 0 0 0 0 0 36 2048 75 72 47 42 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 76 73 48 43 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 77 74 49 44 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 78 75 50 45 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 79 76 51 46 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 80 77 52 47 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 81 78 53 48 0 0 0 0 0 0 0 0 0 0 0 0 try h n 43 2055 82 79 54 49 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 83 80 55 50 0 0 0 0 0 0 0 0 0 0 0 0 tis Pla is 45 2057 84 81 56 51 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 85 82 57 52 0 0 0 0 0 0 0 0 0 0 0 0 M 47 2059 86 83 58 53 0 0 0 0 0 0 0 0 0 0 0 0 Sa ple 48 2060 87 84 59 54 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 88 85 60 55 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 89 86 61 56 0 0 0 0 0 0 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 24
  • Sample Financial Plan Report in Excel 30/09/2012 Age : Child Future Planning - Future Need for Kevin Child Future Planning - Future Need for Sandhya Post Post Pre-Primary & Secondary & Graduation & Total Amount Pre-Primary & Secondary & Graduation & Total Amount Child Care Graduation & For start in Marriage Child Care Graduation & For start in MarriageSr. No. Year Amar Patel Sangita Patel Age Primary Higher Sec. Higher to be Age Primary Higher Sec. Higher to be Expenses Master life Expenses Expenses Master life Expenses Education Education Education required. Education Education Education required. Degree Degree Total Requirement : >>>> 0 182050 679489 709528 4721908 3438027 907680 10638682 0 524566 739082 1142702 7604680 0 1603568 11614598 1 2013 40 37 12 0 55000 0 0 0 0 0 55000 7 0 53000 0 0 0 0 0 53000 2 2014 41 38 13 0 60500 0 0 0 0 0 60500 8 0 56180 0 0 0 0 0 56180 3 2015 42 39 14 0 66550 0 0 0 0 0 66550 9 0 59551 0 0 0 0 0 59551 4 2016 43 40 15 0 0 146410 0 0 0 0 146410 10 0 63124 0 0 0 0 0 63124 5 2017 44 41 16 0 0 161051 0 0 0 0 161051 11 0 66911 0 0 0 0 0 66911 6 2018 45 42 17 0 0 177156 0 0 0 0 177156 12 0 70926 0 0 0 0 0 70926 7 2019 46 43 18 0 0 194872 0 0 0 0 194872 13 0 75182 0 0 0 0 0 75182 8 2020 47 44 19 0 0 0 214359 0 0 0 214359 14 0 79692 0 0 0 0 0 79692 9 2021 48 45 20 0 0 0 235795 0 0 0 235795 15 0 0 168948 0 0 0 0 168948 10 2022 49 46 21 0 0 0 259374 0 0 0 259374 16 0 0 179085 0 0 0 0 179085 11 2023 50 47 22 0 0 0 0 1426558 0 0 1426558 17 0 0 189830 0 0 0 0 189830 12 2024 51 48 23 0 0 0 0 1569214 0 0 1569214 18 0 0 201220 0 0 0 0 201220 13 2025 52 49 24 0 0 0 0 1726136 0 0 1726136 19 0 0 0 345227 0 0 0 345227 14 2026 53 50 25 0 0 0 0 0 0 0 0 20 0 0 0 379750 0 0 0 379750 15 2027 54 51 26 0 0 0 0 0 0 0 0 21 0 0 0 417725 0 0 0 417725 16 2028 55 52 27 0 0 0 0 0 0 0 0 22 0 0 0 0 2297486 0 0 2297486 17 2029 56 53 28 0 0 0 0 0 3438027 0 3438027 23 0 0 0 0 2527235 0 0 2527235 18 2030 57 54 29 0 0 0 0 0 0 0 0 24 0 0 0 0 2779959 0 0 2779959 19 2031 58 55 30 0 0 0 0 0 0 907680 907680 25 0 0 0 0 0 0 0 0 20 2032 59 56 31 0 0 0 0 0 0 0 0 26 0 0 0 0 0 0 1603568 1603568 21 2033 60 57 32 0 0 0 0 0 0 0 0 27 0 0 0 0 0 0 0 0 22 2034 61 58 33 0 0 0 0 0 0 0 0 28 0 0 0 0 0 0 0 0 23 2035 62 59 34 0 0 0 0 0 0 0 0 29 0 0 0 0 0 0 0 0 24 2036 63 60 35 0 0 0 0 0 0 0 0 30 0 0 0 0 0 0 0 0 25 2037 64 61 36 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 0 26 2038 65 62 37 0 0 0 0 0 0 0 0 32 0 0 0 0 0 0 0 0 27 2039 66 63 38 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 0 28 2040 67 64 39 0 0 0 0 0 0 0 0 34 0 0 0 0 0 0 0 0 29 2041 68 65 40 0 0 0 0 0 0 0 0 35 0 0 0 0 0 0 0 0 30 2042 69 66 41 0 0 0 0 0 0 0 0 36 0 0 0 0 0 0 0 0 31 2043 70 67 42 0 0 0 0 0 0 0 0 37 0 0 0 0 0 0 0 0 32 2044 71 68 43 0 0 0 0 0 0 0 0 38 0 0 0 0 0 0 0 0 33 2045 72 69 44 0 0 0 0 0 0 0 0 39 0 0 0 0 0 0 0 0 34 2046 73 70 45 0 0 0 0 0 0 0 0 40 0 0 0 0 0 0 0 0 35 2047 74 71 46 0 0 0 0 0 0 0 0 41 0 0 0 0 0 0 0 0 36 2048 75 72 47 0 0 0 0 0 0 0 0 42 0 0 0 0 0 0 0 0 37 2049 76 73 48 0 0 0 0 0 0 0 0 43 0 0 0 0 0 0 0 0 38 2050 77 74 49 0 0 0 0 0 0 0 0 44 0 0 0 0 0 0 0 0 39 2051 78 75 50 0 0 0 0 0 0 0 0 45 0 0 0 0 0 0 0 0 40 2052 79 76 51 0 0 0 0 0 0 0 0 46 0 0 0 0 0 0 0 0 41 2053 80 77 52 0 0 0 0 0 0 0 0 47 0 0 0 0 0 0 0 0 42 2054 81 78 53 0 0 0 0 0 0 0 0 48 0 0 0 0 0 0 0 0 43 2055 82 79 54 0 0 0 0 0 0 0 0 49 0 0 0 0 0 0 0 0 try h n 44 2056 83 80 55 0 0 0 0 0 0 0 0 50 0 0 0 0 0 0 0 0 tis Pla 45 2057 84 81 56 0 0 0 0 0 0 0 0 51 0 0 0 0 0 0 0 0 is 46 2058 85 82 57 0 0 0 0 0 0 0 0 52 0 0 0 0 0 0 0 0 47 2059 86 83 58 0 0 0 0 0 0 0 0 53 0 0 0 0 0 0 0 0 M 48 2060 87 84 59 0 0 0 0 0 0 0 0 54 0 0 0 0 0 0 0 0 Sa ple 49 2061 88 85 60 0 0 0 0 0 0 0 0 55 0 0 0 0 0 0 0 0 50 2062 89 86 61 0 0 0 0 0 0 0 0 56 0 0 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 25
  • Sample Financial Plan Report in Excel 30/09/2012 Age : Future Financial Need & Dream Retirement Need Funds to be required to Retirement Retirement Need-New Need-2 Need-Home Dream-Create Dream- Total Amount Retirement Retirement Total Amount Need-Motor Need-Bike for Need-Scooty Dream-Farm Dream- provide regular Need Provision - Need Provision -Sr. No. Year Amar Patel Sangita Patel Residential Computer Appliances / Wealth for 0-0 Domestic to be expenses from Medical Need Provision - Need Provision - Reserve to be Car Kevin for Sandhya House & Land Foreign Tour Tour - Yatra Donation / Gift House System Furniture Family Long Tour required. Retirement year Expenses Balance required. onwards. Total Requirement : >>>> 5578468 952813 99296 92921 102103 8563017 420000 5000000 0 4595080 859051 26262749 71115515 1699782 2785963 2785963 3399564 81786786 1 2013 40 37 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 42 39 0 952813 0 0 0 0 0 0 0 0 0 952813 0 0 0 0 0 0 4 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 2017 44 41 0 0 0 0 102103 0 0 0 0 0 0 102103 0 0 0 0 0 0 6 2018 45 42 0 0 99296 0 0 0 0 0 0 0 0 99296 0 0 0 0 0 0 7 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 2020 47 44 5578468 0 0 0 0 0 0 0 0 0 0 5578468 0 0 0 0 0 0 9 2021 48 45 0 0 0 92921 0 0 0 0 0 0 0 92921 0 0 0 0 0 0 10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 11 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 13 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 14 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 17 2029 56 53 0 0 0 0 0 0 420000 0 0 0 0 420000 0 0 0 0 0 0 18 2030 57 54 0 0 0 0 0 8563017 0 0 0 0 96265 8659282 0 0 0 0 0 0 19 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 21 2033 60 57 0 0 0 0 0 0 0 0 0 0 111439 111439 0 0 0 0 0 0 22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 1165379 1699782 2785963 2785963 3399564 11836649 23 2035 62 59 0 0 0 0 0 0 0 0 0 767881 0 767881 1320672 0 0 0 0 1320672 24 2036 63 60 0 0 0 0 0 0 0 0 0 0 129004 129004 1487159 0 0 0 0 1487159 25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 0 0 0 1665701 26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 0 0 0 1857225 27 2039 66 63 0 0 0 0 0 0 0 0 0 0 149338 149338 2062740 0 0 0 0 2062740 28 2040 67 64 0 0 0 0 0 0 0 0 0 980032 0 980032 2283333 0 0 0 0 2283333 29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 0 0 0 2520184 30 2042 69 66 0 0 0 0 0 0 0 0 0 0 172878 172878 2774571 0 0 0 0 2774571 31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 0 0 0 3047879 32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 0 0 0 3341609 33 2045 72 69 0 0 0 0 0 0 0 0 0 1250797 200128 1450925 3657387 0 0 0 0 3657387 34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 0 0 0 3996981 35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 0 0 0 4362304 36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 0 0 0 4755438 37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 0 0 0 5178639 38 2050 77 74 0 0 0 0 0 0 0 5000000 0 1596369 0 6596369 5634359 0 0 0 0 5634359 39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 0 0 0 6125262 40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 0 0 0 6654243 41 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 0 0 0 7224450 try 42 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 h n 43 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 tis Pla 44 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 is 45 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 M 46 2058 85 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 86 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Sa ple 48 2060 87 84 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 88 85 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 89 86 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 26
  • Sample Financial Plan Report in Excel 30/09/2012 Planning For-Kevin Planning For-Sandhya Future Need & Dream Particulars For start in Marriage Marriage New Residential Motor Car life Expenses Expenses HouseRequirement / Need type Regular Regular Lumpsum Lumpsum Regular Regular Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum LumpsumTotal Amount to be required for Financial Goal? 0 0 3438027 907680 0 0 0 1603568 5578468 952813 0 0 0 0 0 0 0How much % of funding you expect through Assets Sale OR 0% 0% 50% 40% 0% 0% 0% 50% 50% 50% 0% 0% 0% 0% 0% 0% 0%Future Loan?Goal Funding amount expected through Assets Sale OR 0 0 1719014 363072 0 0 0 801784 2789234 476406 0 0 0 0 0 0 0Future Loan.Amount to be required in year / from year? 0 0 2029 2031 0 0 0 2032 2020 2015 0 0 0 0 0 0 0Wants to utilise current assets for goal funding? N.A. N.A. No Yes N.A. N.A. N.A. Yes Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0 4 - Jewellery / 5 - Gold /Name of Assets, if you wants to use against Goal 1 - Residential 2 - Four Gold 0 0 0 Silver / 0 0 0 0 0Funding Building / Flat Wheelers Ornaments OrnamentsAssets value to be available to utilise for Goal funding in that 0 0 0 756400 0 0 0 1122497 2216183 218700 0 0 0 0 0 0 0yearHow much amount, you wants to utilise through Assets? 0 0 0 363072 0 0 0 801784 2216183 218700 0 0 0 0 0 0 0Outstanding Goal Amount After funding from Assets 0 0 1719014 0 0 0 0 0 573051 257706 0 0 0 0 0 0 0Wants to take loan in future for goal funding? N.A. N.A. Yes No N.A. N.A. N.A. No Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0%How much % of funding you wants through loan? 0% 0% 100% 0% 0% 0% 0% 0% 100% 100% 0% 0% 0% 0% 0% 0% 0%Goal Funding Amount from Future Loan 0 0 1719014 0 0 0 0 0 573051 257706 0 0 0 0 0 0 0Future Loan to be paid from your Income? N.A. N.A. No No N.A. N.A. N.A. No Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0%If Yes, Please fill up following detailsEstimated Interest Rate (%) on Future Loan (if any) 0% 0% 10% 0% 0% 0% 0% 0% 9% 12% 0% 0% 0% 0% 0% 0% 0%Projected Loan Payment Period (in Years) 0 0 10 0 0 0 0 0 15 5 0 0 0 0 0 0 0Monthly Installments 0 0 22717 0 0 0 0 0 5812 5733 0 0 0 0 0 0 0Yearly Loan Payment 0 0 272603 0 0 0 0 0 69747 68790 0 0 0 0 0 0 0After funding from loan (if any ) - Remaining Goal Amount to 0 0 1719014 544608 0 0 0 801784 2789234 476406 0 0 0 0 0 0 0be mapped with Financial Investment Account try h nBalance of Assets amount (if any) after goal funding to be 0 0 0 393328 0 0 0 320714 0 0 0 0 0 0 0 0 0transfer to cash flow account tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 27
  • Sample Financial Plan Report in Excel 30/09/2012 Required Net Total Amount of Goal Funding Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Aggregate Amt. of Summary Data - Retirement Need (Other than Retirement Need) Investments. ( For Other than Retirement Need ) Need & FundFor Child Future Need / Other Future Need & Inflow through Maturity Proceeds. Dreams / Retirement Needs Income from Investment Total Inflow Total Amount Total inflow Investments Account Total Inflow - Retirement & of Goal Net Amount through Total inflow Investment Total Amount - Benefit / Total Amount throgh Child Future Child Future Future to be required Regular Total Amount of through Post Of Future Maturity Funds available through Maturity proceeds Funding to be Interest / Sys. Total Income / Total Income / Income & Investment Planning - Planning - Financial from Income from Mutual Fund Withdrawal Maturity Maturity Retirement Need / Proceeds &of Investment / Interest Income & Retirement from Sale of Maturity Maturity Maturity Future Need Future Need Need & Financial Maturity Proceeds from proceeds of Expenses & Dreams / Investment Assets & Debt Regular from Proceeds Proceeds of proceeds of Benefit / PPF A/c. Etc. for Kevin for Sandhya Dream Investment Proceeds Amount from Postal Investment Funding Need Retirement Income, Future Loan - Investment Withdrawal Investment Amount from Schemes / Investment Retirement Portfolio - Rs. (Other than (SWP) Unit Linked Account - Rs. Need Etc. Retirement Rs. Account Traditional Plan Bonds - NCD / Account AccountSr. No. Year Amar Patel Sangita Patel MF) Plan Fund Etc. FDR 0 2012 39 36 23205 0 23205 0 0 73862 73862 97067 0 97067 1 2013 40 37 55000 53000 0 0 108000 72910 0 72910 18750 44000 0 62750 135660 0 0 108000 135660 2 2014 41 38 60500 56180 0 0 116680 59160 0 59160 0 0 260000 260000 319160 0 0 116680 319160 3 2015 42 39 66550 59551 952813 476406 602507 48410 0 48410 0 155195 50000 205195 253605 0 0 602507 253605 4 2016 43 40 146410 63124 0 0 209534 38058 0 38058 0 0 854190 854190 892247 0 0 209534 892247 5 2017 44 41 161051 66911 102103 0 330065 1708 0 1708 171225 0 48031 219256 220964 0 0 330065 220964 6 2018 45 42 177156 70926 99296 0 347378 0 0 0 18750 0 0 18750 18750 0 0 347378 18750 7 2019 46 43 194872 75182 0 0 270053 0 0 0 0 0 70000 70000 70000 0 0 270053 70000 8 2020 47 44 214359 79692 5578468 2789234 3083285 0 0 0 255000 0 0 255000 255000 0 0 3083285 255000 9 2021 48 45 235795 168948 92921 0 497664 0 0 0 0 227187 117171 344357 344357 0 0 497664 344357 10 2022 49 46 259374 179085 0 0 438459 0 0 0 108500 0 0 108500 108500 0 0 438459 108500 11 2023 50 47 1426558 189830 0 0 1616388 0 0 0 89625 0 0 89625 89625 0 0 1616388 89625 12 2024 51 48 1569214 201220 0 0 1770434 0 0 0 0 0 0 0 0 0 0 1770434 0 13 2025 52 49 1726136 345227 0 0 2071363 0 0 0 243125 0 0 243125 243125 0 0 2071363 243125 14 2026 53 50 0 379750 0 0 379750 0 0 0 0 0 0 0 0 0 0 379750 0 15 2027 54 51 0 417725 0 0 417725 0 0 0 108500 0 0 108500 108500 0 0 417725 108500 16 2028 55 52 0 2297486 0 0 2297486 0 0 0 0 0 0 0 0 0 0 2297486 0 17 2029 56 53 3438027 2527235 420000 1719014 4666249 0 0 0 0 0 0 0 0 0 0 4666249 0 18 2030 57 54 0 2779959 8659282 0 11439241 0 0 0 0 0 0 0 0 0 0 11439241 0 19 2031 58 55 907680 0 0 363072 544608 0 0 0 0 0 0 0 0 0 0 544608 0 20 2032 59 56 0 1603568 0 801784 801784 0 0 0 0 0 0 0 0 0 0 801784 0 21 2033 60 57 0 0 111439 0 111439 0 0 0 0 0 0 0 0 0 0 111439 0 22 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 11836649 15916649 11836649 15916649 23 2035 62 59 0 0 767881 0 767881 0 0 0 0 0 0 0 0 1320672 0 2088553 0 24 2036 63 60 0 0 129004 0 129004 0 0 0 0 0 0 0 0 1487159 0 1616163 0 25 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 1665701 0 26 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 1857225 0 27 2039 66 63 0 0 149338 0 149338 0 0 0 0 0 0 0 0 2062740 0 2212078 0 28 2040 67 64 0 0 980032 0 980032 0 0 0 0 0 0 0 0 2283333 0 3263365 0 29 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 2520184 0 30 2042 69 66 0 0 172878 0 172878 0 0 0 0 0 0 0 0 2774571 0 2947449 0 31 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 3047879 0 32 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 3341609 0 33 2045 72 69 0 0 1450925 0 1450925 0 0 0 0 0 0 0 0 3657387 0 5108312 0 34 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 3996981 0 35 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 4362304 0 36 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 try 0 0 0 0 4755438 4755438 h n 37 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 5178639 0 tis Pla 38 2050 77 74 0 0 6596369 0 6596369 0 0 0 0 0 0 0 0 5634359 0 12230728 0 is 39 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 6125262 0 M 40 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 6654243 0 41 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 7224450 0 Sa ple 42 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 By m 45 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 28
  • Sample Financial Plan Report in Excel 30/09/2012 Financial Investment Portfolio - Cash Flow with Goal Mapping Year Wise Goal Gap / Shortfall Analysis Lumpsum - Financial Investment + Retirement Portfolio SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing Balance Year Opening Inflow of Weighted Closing C/F - Cash - Net Flow Available Fund Require Opening Possible Goal SIP Balance Outstanding / Return on Possible Goal Balance Maturity Balance After Average Rate Balance Sr. No. Net Balance - During the Balance for for - Future Balance of fundings from After Shortfall of Balance Achievement Possible Goal ( Investments Amount Fundings of Return ( On Cash Shortfall in Shortfall in Primary Cash upto Year Age in Direct From Earning (See Annexure Year Funding Financial (7) SIP A/c. at SIP Corpus Fundings Goal Amount ( Stock + MF Amount Basis) (Financial Achievement Goal Amt. Rs. Goal %wise Flow ShortfallRetireme Cash Flow (4) (5) Need / Goals Each Year (9) ( 10 ) ( 11 ) (13) Investment) %wise Equity & MF) ) ( 5-6 ) Portfolio) (14) nt (2) (2+3) (1+4) (6) (8) ( 8-7) ( 8-9) ( 7-9) ( 7 x 12) Amt. Rs. (1) (3) ( 11 ) (7+13) 0 2012 39 2022932 0 97067 97067 2119999 250000 1869999 0 0 49519 0 0.00% 0 1869999 64558039 52% 59595266 48% 10902 1 2013 40 1869999 43783 135660 179443 2049441 108000 1941441 49519 0 226754 0 9.54% 185128 2126569 108000 100% 0 0% 0 2 2014 41 2126569 88470 319160 407630 2534199 116680 2417519 226754 0 445501 0 9.54% 230524 2648044 116680 100% 0 0% 0 3 2015 42 2648044 82315 253605 335920 2983964 602507 2381456 445501 0 712434 0 9.54% 227086 2608542 602507 100% 0 0% 0 4 2016 43 2608542 -102751 892247 789496 3398038 209534 3188504 712434 0 1035299 0 9.88% 315157 3503662 209534 100% 0 0% 0 5 2017 44 3503662 22459 220964 243423 3747085 330065 3417020 1035299 0 1423087 0 9.88% 337744 3754764 330065 100% 0 0% 0 6 2018 45 3754764 38559 18750 57309 3812073 347378 3464694 1423087 0 1886235 0 9.88% 342456 3807151 347378 100% 0 0% 0 7 2019 46 3807151 52714 70000 122714 3929864 270053 3659811 1886235 0 2436857 0 9.88% 361742 4021553 270053 100% 0 0% 0 8 2020 47 4021553 31385 255000 286385 4307938 3083285 1224653 2436857 0 3089015 0 12.00% 146958 1371611 3083285 100% 0 0% 0 9 2021 48 1371611 120102 344357 464459 1836070 497664 1338406 3089015 0 3859031 0 12.00% 160609 1499015 497664 100% 0 0% 0 10 2022 49 1499015 9643 108500 118143 1617159 438459 1178700 3859031 0 4765852 0 12.00% 141444 1320144 438459 100% 0 0% 0 11 2023 50 1320144 55735 89625 145360 1465503 1616388 -150885 4765852 150885 5656330 0 12.00% 0 0 1616388 100% 0 0% 0 12 2024 51 0 47787 0 47787 47787 1770434 -1722646 5656330 1722646 4878548 0 12.00% 0 0 1770434 100% 0 0% 0 13 2025 52 0 32331 243125 275456 275456 2071363 -1795907 4878548 1795907 3903717 0 12.00% 0 0 2071363 100% 0 0% 0 14 2026 53 0 25160 0 25160 25160 379750 -354590 3903717 354590 4458214 0 12.00% 0 0 379750 100% 0 0% 0 15 2027 54 0 13678 108500 122178 122178 417725 -295547 4458214 295547 5183404 0 12.00% 0 0 417725 100% 0 0% 0 16 2028 55 0 6728 0 6728 6728 2297486 -2290758 5183404 2290758 3722243 0 12.00% 0 0 2297486 100% 0 0% 0 17 2029 56 0 538 0 538 538 4666249 -4665711 3722243 1718475 2703495 2947235 12.00% 0 0 1719014 37% 2947235 63% 0 18 2030 57 0 -2400 0 -2400 -2400 11439241 -11441641 2703495 0 3528727 11441641 12.00% 0 0 0 0% 11439241 100% 2400 19 2031 58 0 391619 0 391619 391619 544608 -152989 3528727 152989 4322058 0 12.00% 0 0 544608 100% 0 0% 0 20 2032 59 0 313716 0 313716 313716 801784 -488067 4322058 488067 4866998 0 12.00% 0 0 801784 100% 0 0% 0 21 2033 60 0 -8501 0 -8501 -8501 111439 -119940 4866998 111439 5949734 8501 12.00% 0 0 111439 100% 0 0% 8501 22 2034 61 0 -5659 15916649 15910990 15910990 11836649 4074341 13514755 0 13514755 0 7.00% 1231237 18820333 11836649 100% 0 0% 0 0 2035 62 18820333 1248161 0 1248161 20068494 2088553 17979941 0 0 0 0 7.00% 1258596 19238537 2088553 100% 0 0% 0 0 2036 63 19238537 1434254 0 1434254 20672791 1616163 19056627 0 0 0 0 7.00% 1333964 20390591 1616163 100% 0 0% 0 0 2037 64 20390591 1562224 0 1562224 21952816 1665701 20287115 0 0 0 0 7.00% 1420098 21707213 1665701 100% 0 0% 0 0 2038 65 21707213 0 0 0 21707213 1857225 19849988 0 0 0 0 7.00% 1389499 21239487 1857225 100% 0 0% 0 0 2039 66 21239487 0 0 0 21239487 2212078 19027409 0 0 0 0 7.00% 1331919 20359327 2212078 100% 0 0% 0 0 2040 67 20359327 0 0 0 20359327 3263365 17095962 0 0 0 0 7.00% 1196717 18292680 3263365 100% 0 0% 0 0 2041 68 18292680 0 0 0 18292680 2520184 15772496 0 0 0 0 7.00% 1104075 16876570 2520184 100% 0 0% 0 0 2042 69 16876570 0 0 0 16876570 2947449 13929121 0 0 0 0 7.00% 975038 14904160 2947449 100% 0 0% 0 0 2043 70 14904160 0 0 0 14904160 3047879 11856281 0 0 0 0 7.00% 829940 12686220 3047879 100% 0 0% 0 0 2044 71 12686220 0 0 0 12686220 3341609 9344612 0 0 0 0 7.00% 654123 9998735 3341609 100% 0 0% 0 0 2045 72 9998735 0 0 0 9998735 5108312 4890423 0 0 0 0 7.00% 342330 5232752 5108312 100% 0 0% 0 0 2046 73 5232752 0 0 0 5232752 3996981 1235771 0 0 0 0 7.00% 86504 1322275 3996981 100% 0 0% 0 0 2047 74 1322275 0 0 0 1322275 4362304 -3040029 0 0 0 3040029 7.00% 0 0 1322275 30% 3040029 70% 0 0 2048 75 0 0 0 0 0 4755438 -4755438 0 0 0 4755438 7.00% 0 0 0 0% 4755438 100% 0 try 0 2049 76 0 0 0 0 0 5178639 -5178639 0 0 0 5178639 7.00% 0 0 0 0% 5178639 100% 0 h n 0 2050 77 0 0 0 0 0 12230728 -12230728 0 0 0 12230728 7.00% 0 0 0 0% 12230728 100% 0 tis Pla is 0 2051 78 0 0 0 0 0 6125262 -6125262 0 0 0 6125262 7.00% 0 0 0 0% 6125262 100% 0 0 2052 79 0 0 0 0 0 6654243 -6654243 0 0 0 6654243 7.00% 0 0 0 0% 6654243 100% 0 M 0 2053 80 0 0 0 0 0 7224450 -7224450 0 0 0 7224450 7.00% 0 0 0 0% 7224450 100% 0 Sa ple 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0 By m 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0 Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 29
  • Sample Financial Plan Report in Excel 30/09/2012 Financial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall Today onwards - For Short Term Need - Next 3 Years -Investment For Long Term Need -8 to 22 Years - Investment required @12% & 23 years available years For Medium Term Need -4 to 7 Years - Investment required @9% for Regular required @ 8% onwards - Post Retirement @7% Present Cost of Investment Selected Financial Goal Goal OR Target & For Full Goal Amount For Shortfall For Full Goal Amount For Shortfall For Full Goal Amount For Shortfall Goal Amount Funds Required Required Required Required Required Required Required Required Required Required requirement for Required Goal Required Required Goal Required Required Goal Required Lumpsum Lumpsum Lumpsum Monthly Lumpsum Monthly Lumpsum Regular Lumpsum Regular No. of Years Amount Rs. Amount Rs. Amount Rs. Amount Rs. Amount Rs. Amount Rs. Investment Investment Investment Investment Investment Investment Investment Investment Investment Investment Monthly Monthly 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre-Primary & Primary Education 50000 1 / 3 182050 155624 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Secondary & Higher Sec. Education 100000 4 / 4 0 0 0 0 679489 420627 8990 0 0 0 0 0 0 0 0 0Planning Graduation & Higher Education 100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0For-Kevin Post Graduation & Master Degree 500000 11 / 3 0 0 0 0 0 0 0 0 0 0 4721908 1208465 12493 0 0 0 For start in life 1500000 17 / 1 0 0 0 0 0 0 0 0 0 0 3438027 500729 3657 0 0 0 Marriage Expenses 300000 19 / 1 0 0 0 0 0 0 0 0 0 0 907680 105388 701 0 0 0 182050 155624 0 0 679489 420627 8990 0 0 0 9777143 2069700 20249 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre-Primary & Primary Education 50000 1 / 8 168731 144513 0 0 276143 171624 3668 0 0 0 79692 32186 429 0 0 0Planning Secondary & Higher Sec. Education 100000 9 / 4 0 0 0 0 0 0 0 0 0 0 739082 224804 2724 0 0 0 For- Graduation & Higher Education 100000 13 / 3 0 0 0 0 0 0 0 0 0 0 1142702 233138 2113 0 0 0Sandhya Post Graduation & Master Degree 500000 16 / 3 0 0 0 0 0 0 0 0 0 0 7604680 1104352 8476 5307194 729582 5328 Marriage Expenses 500000 20 / 1 0 0 0 0 0 0 0 0 0 0 1603568 166237 1058 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 168731 144513 0 0 276143 171624 3668 0 0 0 11169724 1760718 14800 5307194 729582 5328 New Residential House 3500000 8 / 1 0 0 0 0 0 0 0 0 0 0 5578468 2253050 30002 0 0 0 Motor Car 800000 3 / 1 952813 756374 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Future Bike for Kevin 70000 6 / 1 0 0 0 0 99296 59207 848 0 0 0 0 0 0 0 0 0 Need Scooty for Sandhya 55000 9 / 1 0 0 0 0 0 0 0 0 0 0 92921 33508 406 0 0 0 2 Computer System 80000 5 / 1 0 0 0 0 102103 66360 1138 0 0 0 0 0 0 0 0 0 Home Appliances / Furniture 250000 17 / 1 0 0 0 0 0 0 0 0 0 0 420000 61171 447 420000 61171 447 952813 756374 0 0 201399 125567 1986 0 0 0 6091390 2347729 30855 420000 61171 447 Funds to be required to provide regular expenses from Retirement 7224450 21 / 1 0 0 0 0 0 0 0 0 0 0 71115515 2716122 25362 38612420 1057555 9875 year onwards.Retirement Medical Expenses 500000 21 / 1 0 0 0 0 0 0 0 0 0 0 1699782 140474 1312 0 0 0 Corpus & Provision Tour - Yatra 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0 Donation / Gift 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0 Reserve Balance 1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 3399564 280948 2623 0 0 0 try h n 0 0 0 0 0 0 0 0 0 0 81786786 3598023 33596 38612420 1057555 9875 tis Pla Farm House & Land 3000000 18 / 1 0 0 0 0 0 0 0 0 0 0 8563017 1113531 7755 8563017 1113531 7755 is Create Wealth for Family 5000000 21 / 1 0 0 0 0 0 0 0 0 0 0 5000000 139969 818 5000000 139969 818 M Future 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Sa ple Dreams Domestic Long Tour 40000 18 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 859051 57117 398 96265 12518 87 Foreign Tour 250000 21 / Every 5 Year 0 0 0 0 0 0 0 0 0 0 4595080 207075 1210 1596369 44689 261 By m 0 0 0 0 0 0 0 0 0 0 19017148 1517693 10180 15255652 1310707 8921 1303594 1056511 0 0 1157030 717817 14645 0 0 0 127842191 11293862 109680 59595266 3159016 24571 Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 30
  • Sample Financial Plan Report in Excel 30/09/2012 Financial Goal Particulars Possible Goal Achievement %wise Shortfall in Goal %wise Financial Goal Gap Analysis 0% 0% Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds Fund for - Pre-Primary & Primary Education 100% 0% 4000000 100% Fund for - Secondary & Higher Sec. Education 100% 0% 80% 3000000 Planning 60% Fund for - Graduation & Higher Education 100% 0% Child Future Planning For-Kevin 2000000 40% Fund for - Post Graduation & Master Degree 100% 0% 1000000 20% Fund for - For start in life 100% 0% 0 0% Fund for - Marriage Expenses 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 100% 0% 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 100% 0% 0% 0% Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds Fund for -- Pre-Primary & Primary Education 100% 0% 4000000 100% Planning Fund for -- Secondary & Higher Sec. Education 100% 0% 80% 3000000 For- Fund for -- Graduation & Higher Education 100% 0% 60% 2000000 Sandhya Fund for -- Post Graduation & Master Degree 30% 70% 40% 1000000 Fund for -- Marriage Expenses 100% 0% 20% 0 0% 0% 0% 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 54% 46% Need - Fund for - New Residential House 100% 0% Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in FundsFuture Financial Need - Fund for - Motor Car 100% 0% 6000000 100% 80% Future Need - Fund for - Bike for Kevin 100% 0% 4000000 60% Goal Need Need - Fund for - Scooty for Sandhya 100% 0% 2000000 40% 20% Need - Fund for - 2 Computer System 100% 0% 0 0% 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 Need - Fund for - Home Appliances / Furniture 0% 100% 94% 6% Funds to be required to provide regular 46% 54% Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds expenses from Retirement year onwards. 100%Retirement Retirement Retirement Need Provision - Medical Expenses 100% 0% 15000000 Planning Corpus & Retirement Need Provision - Tour - Yatra 10000000 50% 100% 0% Provision 5000000 Retirement Need Provision - Donation / Gift 100% 0% 0 0% 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 Retirement Need Provision - Reserve Balance 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 100% 0% 53% 47% Dream - Fund for - Farm House & Land 0% 100%Future Financial Funds to be available Shortfall in Funds Funds to be required Funds to be available Shortfall in Funds try 10000000 100% h n Dream - Fund for - Create Wealth for Family 0% 100% Future tis Pla Goal is 0% 0% 5000000 50% Dreams Dream - Fund for - Domestic Long Tour M 89% 11% 0 0% Dream - Fund for - Foreign Tour 65% 35% 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 Sa ple 2013 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 20% 80% By m Aggregate : 54% 46% Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 31
  • Sample Financial Plan Report in Excel 30/09/2012 Yearwise Amountwise Goal Gap Analysis 14000000 12230728 11836649 11439241 12000000 Shortfall in Funds 10000000 7224450 6654243 8000000 6125262 Funds to be available 5178639 5108312 4755438 4666249 6000000 4362304 3996981 3341609 3263365 3083285 3047879 2947449 4000000 2520184 2297486 2212078 2088553 2071363 1857225 1770434 1665701 1616388 1616163 Funds to be required 801784 2000000 602507 544608 497664 438459 417725 379750 347378 330065 270053 209534 116680 108000 111439 0 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 Yearwise %wise Goal Gap Analysis100% 90% 80% 70%60%50%40%30% try h n20% tis Pla10% is 0% M 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 32
  • Sample Financial Plan Report in Excel 30/09/2012 Personal & Dependant Information Name Sex Relationship Current Status Health Status Date of Birth AgeAmar Patel Male Self Doing Job Very Good 07/05/1973 39Sangita Patel Female Spouse / Wife Working Very Good 16/07/1976 36Maheshbhai Patel Male Father Retired Above Average 05/02/1948 64Sujataben Patel Female Mother Retired Average 22/11/1951 60Kevin Male Son Studying Very Good 18/04/2001 11Sandhya Female Daughter Studying Very Good 26/02/2006 60 0 0 0 0 00 0 0 0 0 0 Family Health Information & History Major Surgery Have you or any family member ever suffered / suffering Covered under Health Any permanent physical Continue on any Name /Hospitalisation in last 5 from? Insurance? disability? Medications or Drugs? Years? Self Family HistoryAmar Patel Yes No No No 0 Heart DiseaseSangita Patel Yes No No No 0 0Maheshbhai Patel No No Yes No High / Low BP Heart DiseaseSujataben Patel No No Yes No Diabetes 0Kevin Yes No No No 0 0Sandhya Yes No No No 0 00 0 0 0 0 0 00 0 0 0 0 0 0 Health Insurance Policy Details Policy Name Insurer Company Policy Type Annual Premium Sum Assured Start Date No. of Insured PersonXYZ ABC Floating 4400 200000 22/09/2003 4 try h n 0 0 0 0 0 0 0 tis Pla 0 0 0 0 0 0 0 is 0 0 0 0 0 0 0 M 0 0 0 0 0 0 0 Sa pleGroup Mediclaim 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 33
  • Sample Financial Plan Report in Excel 30/09/2012 Planners Comments / Advice - On Health Insurance Coverage Policy Type Indicative From Suggested Annual Individual OR Policy Name Company Health Cover Premium Floating Amount Pure Risk Coverage - General Insurance Policy Details No. of Rider Annual Family Insurance Policy ( For) Name of Person Insured Insurer Company Start Date Sum Assured (if any) Premium Person / AssetsPersonal Accident 0 0 0 0 0 0 0Group Pers.Accident 0 0 0 0 0 0 0Critical Illness 0 0 0 0 0 0 0Vehicles 0 0 0 0 0 0Household 0 0 0 0 0 0 Planners Comments / Advice on other General Insurance Coverage / Risk Protection Indicative Policy For / To From Suggested Annual Policy Name Cover Company Cover Premium Amount try h n tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 34
  • Navsari Sample Financial Plan Report in Excel 30/09/2012 Planning For-Kevin Pre-Primary & Secondary & Graduation &Your Selection - Planning For- Post Graduation Marriage Total Amount Primary Higher Sec. Higher For start in life & Master Degree Expenses Rs. Kevin Education Education Education Financial Goal Priority 0 High High Optional High High High Current Cost / Expenses -You wants to provide : 0 50000 100000 100000 500000 1500000 300000 2550000 Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 5% 6%Inflation Effect OR @Amountwise year on year 0 0 0 0 0 0 0 Years left to Financial Goal Arrival 0 1 4 8 11 17 19 This period is remain same in To be required in Year / Or / Goal start beginning from Year 0 2013 2016 2020 2023 2029 2031 most of time, try Requirement for Period / Total No. of Years 0 3 4 3 3 1 1 except if there h n is early Requirement up to Year tis Pla 0 2015 2019 2022 2025 2029 2031 retirement is desired before M Fin. Goal yearRegular Investment to be required for No. of Years from today onwards 0 1 4 8 11 17 19 arrival. Sa ple Regular Investment to be required up to year from today onwards 0 2013 2016 2020 2023 2029 2031 By m SaFinancial Goal / Requirement - will start - Child age at each goal stage 0 12 15 19 22 28 30 Contact : Satish Mistry, Email: moneycarefp@gmail.com 35
  • Navsari Sample Financial Plan Report in Excel 30/09/2012 Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Short Term Required in Year / From Year 0 2013 0 0 0 0 0Requirement (if any) Required Amount 0 182050 0 0 0 0 0 182050 Investment to be required @% 0 0 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 155624 0 0 0 0 0 155624 Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on Closing Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher For start in life Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 8% 155624 12450 168074 2 2013 40 8% 168074 0 55000 0 0 0 0 0 55000 9046 122120 try h n 3 2014 41 8% 122120 0 60500 0 0 0 0 0 60500 4930 66550 tis Pla is 4 2015 42 8% 66550 0 66550 0 0 0 0 0 66550 0 0 M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 36
  • Navsari Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 0 2016 0 0 0 0 Medium Term Required Amount 0 0 679489 0 0 0 0 679489 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 0 0 9% Lumpsum 0 0 420627 0 0 0 0 420627 Pre Retirement Period 15% Monthly 0 0 8990 0 0 0 0 8990 Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on Closing Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher For start in life Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 9% 420627 37856 458483 2 2013 40 9% 458483 0 0 0 0 0 0 0 0 41263 499746 3 2014 41 9% 499746 0 0 0 0 0 0 0 0 44977 544724 4 2015 42 9% 544724 0 0 0 0 0 0 0 0 49025 593749 5 2016 43 9% 593749 0 0 146410 0 0 0 0 146410 40260 487599 6 2017 44 9% 487599 0 0 161051 0 0 0 0 161051 29389 355937 7 2018 45 9% 355937 0 0 177156 0 0 0 0 177156 16090 194872 8 2019 46 9% 194872 0 0 194872 0 0 0 0 194872 0 0 Required in Year / From Year 0 0 0 2020 2023 2029 2031 Pre Retirement Required Amount 0 0 0 709528 4721908 3438027 907680 9777143 Required in Year / From Year Post 0 0 0 0 0 0 0 Long Term Required Amount Retirement 0 0 0 0 0 0 0 0 Regular Investment Requirement 0 0 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 0 0 0 2020 2023 2029 2031 Goal Starting Required Amount Requirement 0 0 0 709528 4721908 3438027 907680 9777143 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% Retirement 7% Lumpsum 0 0 0 255117 1208465 500729 105388 2069700 try Year - h n SIP OR Other Regular Investment Monthly 0 0 0 3397 12493 3657 701 20249 Whichever is tis Pla recommendations are for need away 5 Year arising earlier. is Quarterly 0 0 0 10156 37496 11072 2129 60854 15% from now and upto Goal Starts OR Retirement M period starts,whichever arises earlier only.- Half Yearly 0 0 0 20208 75029 22434 4333 122004 Sa ple @Projected Return ->> Yearly 0 0 0 40014 150123 45941 8948 245026 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 37
  • Navsari Sample Financial Plan Report in Excel 30/09/2012 Lump sum Investment to be required for each Goal 0 0 0 255117 1208465 500729 105388 2069700 Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal 0 0 0 3397 12493 3657 701 20249 Total amt. required - Monthly Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on ClosingSr. No. Year Age Rate of Return Require / N.A. Primary Higher Sec. Higher For start in life Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 12% 2069700 248364 2318064 2 2013 40 12% 2318064 0 0 0 0 0 0 0 0 278168 2596232 3 2014 41 12% 2596232 0 0 0 0 0 0 0 0 311548 2907779 4 2015 42 12% 2907779 0 0 0 0 0 0 0 0 348934 3256713 5 2016 43 12% 3256713 0 0 0 0 0 0 0 0 390806 3647518 6 2017 44 12% 3647518 0 0 0 0 0 0 0 0 437702 4085221 7 2018 45 12% 4085221 0 0 0 0 0 0 0 0 490226 4575447 8 2019 46 12% 4575447 0 0 0 0 0 0 0 0 549054 5124501 9 2020 47 12% 5124501 0 0 0 214359 0 0 0 214359 589217 5499359 10 2021 48 12% 5499359 0 0 0 235795 0 0 0 235795 631628 5895192 11 2022 49 12% 5895192 0 0 0 259374 0 0 0 259374 676298 6312116 12 2023 50 12% 6312116 0 0 0 0 1426558 0 0 1426558 586267 5471824 13 2024 51 12% 5471824 0 0 0 0 1569214 0 0 1569214 468313 4370923 14 2025 52 12% 4370923 0 0 0 0 1726136 0 0 1726136 317374 2962162 15 2026 53 12% 2962162 0 0 0 0 0 0 0 0 355459 3317621 16 2027 54 12% 3317621 0 0 0 0 0 0 0 0 398115 3715736 17 2028 55 12% 3715736 0 0 0 0 0 0 0 0 445888 4161624 18 2029 56 12% 4161624 0 0 0 0 0 3438027 0 3438027 86832 810428 19 2030 57 12% 810428 0 0 0 0 0 0 0 0 97251 907680 20 2031 58 12% 907680 0 0 0 0 0 0 907680 907680 0 0 21 2032 59 12% 0 0 0 0 0 0 0 0 0 0 0 22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 0 23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 0 24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 0 25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 0 26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 0 27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 0 28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 0 29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 0 30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 0 31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 0 32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 0 try h n 33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 0 tis Pla 34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 0 is 35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 0 M 36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 0 37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 0 Sa ple 38 2049 76 7% 0 0 0 0 0 0 0 0 0 0 0 51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 38
  • Navsari Sample Financial Plan Report in Excel 30/09/2012 Goal Status : Pre-Primary & Primary Secondary & Higher Sec. Graduation & Higher Post Graduation For start in life Marriage Total Amount & Master Degree Expenses Particulars Education Education Education Total Amount of Future Goal : - 0 182050 679489 709528 4721908 3438027 907680 10638682 To be required - (Amount Rs. ) :Possible Achievement of Future Goal (Amount Rs. ) : : 0 with your Actual Cash Flow : Goal Funding through Sale of Assets 0 0 0 0 0 0 363072 363072 Goal Funding through Sale of Assets Goal Funding through Future Loan 0 0 0 0 0 1719014 0 1719014 Goal Funding through Future Loan Goal Funding through Financial Investments 0 182050 679489 709528 4721908 1719014 544608 8556597 Goal Funding through Financial Investments Shortfall of Goal Amount : : 0 0 0 0 0 0 0 0 Calculating with your actual cash flow. : Goal Shortfall Possible Achievement of Future Goal ( %wise ) : : 0% 100% 100% 100% 100% 100% 100% 100% with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : 0% 0% 0% 0% 0% 0% 0% 0% Calculating with your actual cash flow. : Goal Gap Analysis 100% Goal Shortfall 90% 80% 70% Goal Funding through 60% Financial Investments 50% Goal Funding through 40% Future Loan 30% 20% try Goal Funding through Sale h n 10% of Assets tis Pla is 0% Pre-Primary & Secondary & Graduation & Post Graduation For start in life Marriage M Primary Higher Sec. Higher & Master Expenses Sa ple Education Education Education Degree By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 39
  • Navsari Sample Financial Plan Report in Excel 30/09/2012 Lumpsum Or Regular Cash amount required to be invest after calculating & analysing future earning & Investment cash flow for shortfall (if any) Short Term Required in Year / From Year 0 0 0 0 0 0 0Requirement (if any) Required Amount 0 0 0 0 0 0 0 0 Investment to be required @% 0 0 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 0 0 0 0 0 0 0 Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on Closing Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher For start in life Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 8% 0 0 0 try h n 2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 0 tis Pla is 3 2014 41 8% 0 0 0 0 0 0 0 0 0 0 0 4 2015 42 8% 0 0 0 0 0 0 0 0 0 0 0 M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 40
  • Navsari Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 0 0 0 0 0 0 Medium Term Required Amount 0 0 0 0 0 0 0 0 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 0 0 9% Lumpsum 0 0 0 0 0 0 0 0 Pre Retirement Period 15% Monthly 0 0 0 0 0 0 0 0 Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on Closing Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher For start in life Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 9% 0 0 0 0 2 2013 40 9% 0 0 0 0 0 0 0 0 0 0 0 3 2014 41 9% 0 0 0 0 0 0 0 0 0 0 0 4 2015 42 9% 0 0 0 0 0 0 0 0 0 0 0 5 2016 43 9% 0 0 0 0 0 0 0 0 0 0 0 6 2017 44 9% 0 0 0 0 0 0 0 0 0 0 0 7 2018 45 9% 0 0 0 0 0 0 0 0 0 0 0 8 2019 46 9% 0 0 0 0 0 0 0 0 0 0 0 Required in Year / From Year 0 0 0 0 0 0 0 Pre Retirement Required Amount 0 0 0 0 0 0 0 0 Required in Year / From Year Post 0 0 0 0 0 0 0 Long Term Required Amount Retirement 0 0 0 0 0 0 0 0 Regular Investment Requirement 0 0 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 0 0 0 0 0 0 0 Goal Starting Required Amount Requirement 0 0 0 0 0 0 0 0 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% Retirement 7% Lumpsum 0 0 0 0 0 0 0 0 Year - SIP OR Other Regular Investment Monthly 0 0 0 0 0 0 0 0 Whichever is try recommendations are for need away 5 Year arising earlier. h n Quarterly 0 0 0 0 0 0 0 0 15% from now and upto Goal Starts OR Retirement tis Pla is period starts,whichever arises earlier only.- Half Yearly 0 0 0 0 0 0 0 0 @Projected Return ->> M Yearly 0 0 0 0 0 0 0 0 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 41
  • Navsari Sample Financial Plan Report in Excel 30/09/2012 Lump sum Investment to be required for each Goal 0 0 0 0 0 0 0 0 Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal 0 0 0 0 0 0 0 0 Total amt. required - Monthly Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on ClosingSr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher For start in life Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 12% 0 0 0 2 2013 40 12% 0 0 0 0 0 0 0 0 0 0 0 3 2014 41 12% 0 0 0 0 0 0 0 0 0 0 0 4 2015 42 12% 0 0 0 0 0 0 0 0 0 0 0 5 2016 43 12% 0 0 0 0 0 0 0 0 0 0 0 6 2017 44 12% 0 0 0 0 0 0 0 0 0 0 0 7 2018 45 12% 0 0 0 0 0 0 0 0 0 0 0 8 2019 46 12% 0 0 0 0 0 0 0 0 0 0 0 9 2020 47 12% 0 0 0 0 0 0 0 0 0 0 0 10 2021 48 12% 0 0 0 0 0 0 0 0 0 0 0 11 2022 49 12% 0 0 0 0 0 0 0 0 0 0 0 12 2023 50 12% 0 0 0 0 0 0 0 0 0 0 0 13 2024 51 12% 0 0 0 0 0 0 0 0 0 0 0 14 2025 52 12% 0 0 0 0 0 0 0 0 0 0 0 15 2026 53 12% 0 0 0 0 0 0 0 0 0 0 0 16 2027 54 12% 0 0 0 0 0 0 0 0 0 0 0 17 2028 55 12% 0 0 0 0 0 0 0 0 0 0 0 18 2029 56 12% 0 0 0 0 0 0 0 0 0 0 0 19 2030 57 12% 0 0 0 0 0 0 0 0 0 0 0 20 2031 58 12% 0 0 0 0 0 0 0 0 0 0 0 21 2032 59 12% 0 0 0 0 0 0 0 0 0 0 0 22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 0 23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 0 24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 0 25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 0 26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 0 27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 0 28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 0 29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 0 30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 0 31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 0 32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 0 33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 0 34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 0 try 35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 0 h n 36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 0 tis Pla is 37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 0 M 38 2049 76 7% 0 0 0 0 0 0 0 0 0 0 0 39 2050 77 7% 0 0 0 0 0 0 0 0 0 0 0 Sa ple 40 2051 78 7% 0 0 0 0 0 0 0 0 0 0 0 41 2052 79 7% 0 0 0 0 0 0 0 0 0 0 0 By m 42 2053 80 0% 0 0 0 0 0 0 0 0 0 0 0 43 2054 81 0% 0 0 0 0 0 0 0 0 0 0 0 Sa 51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0 Contact : Satish Mistry, Email: moneycarefp@gmail.com 42
  • Sample Financial Plan Report in Excel 30/09/2012 Planning For-Sandhya Pre-Primary & Secondary & Graduation &Your Selection - Planning For- Post Graduation Marriage Total Amount Primary Higher Sec. Higher & Master Degree Expenses Rs. Sandhya Education Education Education Financial Goal Priority 0 High High High High High 0 Current Cost / Expenses -You wants to provide : 0 50000 100000 100000 500000 500000 0 1250000 Goal Cost / Expenses Will Grow @% wise 0% 6% 6% 10% 10% 6% 0%Inflation Effect OR @Amountwise year on year 0 0 0 0 0 0 0 Years left to Financial Goal Arrival 0 1 9 13 16 20 0 This period is remain same in To be required in Year / Or / Goal start beginning from Year 0 2013 2021 2025 2028 2032 0 most of time, try Requirement for Period / Total No. of Years except if there h n 0 8 4 3 3 1 0 is early tis Pla Requirement up to Year 0 2020 2024 2027 2030 2032 0 retirement is desired before M Fin. Goal yearRegular Investment to be required for No. of Years from today onwards 0 1 9 13 16 20 0 arrival. Sa ple Regular Investment to be required up to year from today onwards 0 2013 2021 2025 2028 2032 0 By m SaFinancial Goal / Requirement - will start - Child age at each goal stage 0 7 15 19 22 26 0 Contact : Satish Mistry, Email: moneycarefp@gmail.com 43
  • Sample Financial Plan Report in Excel 30/09/2012 Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Short Term Required in Year / From Year 0 2013 0 0 0 0 0Requirement (if any) Required Amount 0 168731 0 0 0 0 0 168731 Investment to be required @% 0 0 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 144513 0 0 0 0 0 144513 Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on Closing Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 8% 144513 11561 156074 2 2013 40 8% 156074 0 53000 0 0 0 0 0 53000 8246 111320 try h n 3 2014 41 8% 111320 0 56180 0 0 0 0 0 56180 4411 59551 tis Pla is 4 2015 42 8% 59551 0 59551 0 0 0 0 0 59551 0 0 M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 44
  • Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 2016 0 0 0 0 0 Medium Term Required Amount 0 276143 0 0 0 0 0 276143 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 0 0 9% Lumpsum 0 171624 0 0 0 0 0 171624 Pre Retirement Period 15% Monthly 0 3668 0 0 0 0 0 3668 Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on Closing Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 9% 171624 15446 187070 2 2013 40 9% 187070 0 0 0 0 0 0 0 0 16836 203906 3 2014 41 9% 203906 0 0 0 0 0 0 0 0 18352 222258 4 2015 42 9% 222258 0 0 0 0 0 0 0 0 20003 242261 5 2016 43 9% 242261 0 63124 0 0 0 0 0 63124 16122 195260 6 2017 44 9% 195260 0 66911 0 0 0 0 0 66911 11551 139900 7 2018 45 9% 139900 0 70926 0 0 0 0 0 70926 6208 75182 8 2019 46 9% 75182 0 75182 0 0 0 0 0 75182 0 0 Required in Year / From Year 0 2020 2021 2025 2028 2032 0 Pre Retirement Required Amount 0 79692 739082 1142702 7604680 1603568 0 11169724 Required in Year / From Year Post 0 0 0 0 0 0 0 Long Term Required Amount Retirement 0 0 0 0 0 0 0 0 Regular Investment Requirement 0 0 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 0 2020 2021 2025 2028 2032 0 Goal Starting Required Amount Requirement 0 79692 739082 1142702 7604680 1603568 0 11169724 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% Retirement 7% Lumpsum 0 32186 224804 233138 1104352 166237 0 1760718 Year - try h n SIP OR Other Regular Investment Monthly 0 429 2724 2113 8476 1058 0 14800 Whichever is tis Pla recommendations are for need away 5 Year arising earlier. is Quarterly 0 1281 8154 6359 25624 3218 0 44636 15% from now and upto Goal Starts OR Retirement M period starts,whichever arises earlier only.- Half Yearly 0 2550 16254 12775 51805 6564 0 89948 @Projected Return ->> Sa ple Yearly 0 5048 32294 25751 105659 13611 0 182364 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 45
  • Sample Financial Plan Report in Excel 30/09/2012 Lump sum Investment to be required for each Goal 0 32186 224804 233138 1104352 166237 0 1760718 Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal 0 429 2724 2113 8476 1058 0 14800 Total amt. required - Monthly Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on ClosingSr. No. Year Age Rate of Return Require / N.A. Primary Higher Sec. Higher N.A. Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 12% 1760718 211286 1972004 2 2013 40 12% 1972004 0 0 0 0 0 0 0 0 236640 2208644 3 2014 41 12% 2208644 0 0 0 0 0 0 0 0 265037 2473682 4 2015 42 12% 2473682 0 0 0 0 0 0 0 0 296842 2770524 5 2016 43 12% 2770524 0 0 0 0 0 0 0 0 332463 3102986 6 2017 44 12% 3102986 0 0 0 0 0 0 0 0 372358 3475345 7 2018 45 12% 3475345 0 0 0 0 0 0 0 0 417041 3892386 8 2019 46 12% 3892386 0 0 0 0 0 0 0 0 467086 4359472 9 2020 47 12% 4359472 0 79692 0 0 0 0 0 79692 513574 4793354 10 2021 48 12% 4793354 0 0 168948 0 0 0 0 168948 554929 5179334 11 2022 49 12% 5179334 0 0 179085 0 0 0 0 179085 600030 5600280 12 2023 50 12% 5600280 0 0 189830 0 0 0 0 189830 649254 6059704 13 2024 51 12% 6059704 0 0 201220 0 0 0 0 201220 703018 6561502 14 2025 52 12% 6561502 0 0 0 345227 0 0 0 345227 745953 6962228 15 2026 53 12% 6962228 0 0 0 379750 0 0 0 379750 789897 7372375 16 2027 54 12% 7372375 0 0 0 417725 0 0 0 417725 834558 7789209 17 2028 55 12% 7789209 0 0 0 0 2297486 0 0 2297486 659007 6150729 18 2029 56 12% 6150729 0 0 0 0 2527235 0 0 2527235 434819 4058313 19 2030 57 12% 4058313 0 0 0 0 2779959 0 0 2779959 153403 1431757 20 2031 58 12% 1431757 0 0 0 0 0 0 0 0 171811 1603568 21 2032 59 12% 1603568 0 0 0 0 0 1603568 0 1603568 0 0 22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 0 23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 0 24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 0 25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 0 26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 0 27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 0 28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 0 29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 0 30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 0 31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 0 32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 0 try h n 33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 0 tis Pla 34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 0 is 35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 0 M 36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 0 Sa ple 37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 0 38 2049 76 7% 0 0 0 0 0 0 0 0 0 0 0 51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 46
  • Sample Financial Plan Report in Excel 30/09/2012 Goal Status : Pre-Primary & Primary Secondary & Higher Sec. Graduation & Higher Post Graduation Marriage Total Amount & Master Degree Expenses Particulars Education Education Education Total Amount of Future Goal : - 0 524566 739082 1142702 7604680 1603568 0 11614598 To be required - (Amount Rs. ) :Possible Achievement of Future Goal (Amount Rs. ) : : 0 with your Actual Cash Flow : Goal Funding through Sale of Assets 0 0 0 0 0 801784 0 801784 Goal Funding through Sale of Assets Goal Funding through Future Loan 0 0 0 0 0 0 0 0 Goal Funding through Future Loan Goal Funding through Financial Investments 0 524566 739082 1142702 2297486 801784 0 5505620 Goal Funding through Financial Investments Shortfall of Goal Amount : : 0 0 0 0 5307194 0 0 5307194 Calculating with your actual cash flow. : Goal Shortfall Possible Achievement of Future Goal ( %wise ) : : 0% 100% 100% 100% 30% 100% 0% 54% with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : 0% 0% 0% 0% 70% 0% 0% 46% Calculating with your actual cash flow. : Goal Gap Analysis 100% 90% Goal Shortfall 80% 70% Goal Funding through Financial 60% Investments 50% 40% Goal Funding through Future Loan 30% 20% try Goal Funding through Sale of Assets h n 10% tis Pla is 0% M Pre-Primary & Secondary & Higher Graduation & Post Graduation & Marriage Expenses Sa ple Primary Education Sec. Education Higher Education Master Degree By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 47
  • Sample Financial Plan Report in Excel 30/09/2012 Lumpsum Or Regular Cash amount required to be invest after calculating & analysing future earning & Investment cash flow for shortfall (if any) Short Term Required in Year / From Year 0 0 0 0 0 0 0Requirement (if any) Required Amount 0 0 0 0 0 0 0 0 Investment to be required @% 0 0 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 0 0 0 0 0 0 0 Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on Closing Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 8% 0 0 0 try h n 2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 0 tis Pla is 3 2014 41 8% 0 0 0 0 0 0 0 0 0 0 0 M 4 2015 42 8% 0 0 0 0 0 0 0 0 0 0 0 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 48
  • Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 0 0 0 0 0 0 Medium Term Required Amount 0 0 0 0 0 0 0 0 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 0 0 9% Lumpsum 0 0 0 0 0 0 0 0 Pre Retirement Period 15% Monthly 0 0 0 0 0 0 0 0 Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on Closing Sr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 9% 0 0 0 0 2 2013 40 9% 0 0 0 0 0 0 0 0 0 0 0 3 2014 41 9% 0 0 0 0 0 0 0 0 0 0 0 4 2015 42 9% 0 0 0 0 0 0 0 0 0 0 0 5 2016 43 9% 0 0 0 0 0 0 0 0 0 0 0 6 2017 44 9% 0 0 0 0 0 0 0 0 0 0 0 7 2018 45 9% 0 0 0 0 0 0 0 0 0 0 0 8 2019 46 9% 0 0 0 0 0 0 0 0 0 0 0 Required in Year / From Year 0 0 0 0 2029 0 0 Pre Retirement Required Amount 0 0 0 0 5307194 0 0 5307194 Required in Year / From Year Post 0 0 0 0 0 0 0 Long Term Required Amount Retirement 0 0 0 0 0 0 0 0 Regular Investment Requirement 0 0 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 0 0 0 0 2029 0 0 Goal Starting Required Amount Requirement 0 0 0 0 5307194 0 0 5307194 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% Retirement 7% Lumpsum 0 0 0 0 729582 0 0 729582 Year - SIP OR Other Regular Investment Monthly 0 0 0 0 5328 0 0 5328 Whichever is try arising earlier. h n recommendations are for need away 5 Year Quarterly 0 0 0 0 16132 0 0 16132 tis Pla 15% from now and upto Goal Starts OR Retirement is period starts,whichever arises earlier only.- Half Yearly 0 0 0 0 32687 0 0 32687 M @Projected Return ->> Yearly 0 0 0 0 66937 0 0 66937 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 49
  • Sample Financial Plan Report in Excel 30/09/2012 Lump sum Investment to be required for each Goal 0 0 0 0 729582 0 0 729582 Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal 0 0 0 0 5328 0 0 5328 Total amt. required - Monthly Lump sum Investment Pre-Primary & Secondary & Graduation & Post Graduation Marriage Interest on ClosingSr. No. Year Age Rate of Return Require / Primary Higher Sec. Higher Total Needs & Master Degree Expenses Balance Amt. Balance Opening Education Education Education Balance 1 2012 39 12% 729582 87550 817132 2 2013 40 12% 817132 0 0 0 0 0 0 0 0 98056 915188 3 2014 41 12% 915188 0 0 0 0 0 0 0 0 109823 1025010 4 2015 42 12% 1025010 0 0 0 0 0 0 0 0 123001 1148012 5 2016 43 12% 1148012 0 0 0 0 0 0 0 0 137761 1285773 6 2017 44 12% 1285773 0 0 0 0 0 0 0 0 154293 1440066 7 2018 45 12% 1440066 0 0 0 0 0 0 0 0 172808 1612874 8 2019 46 12% 1612874 0 0 0 0 0 0 0 0 193545 1806419 9 2020 47 12% 1806419 0 0 0 0 0 0 0 0 216770 2023189 10 2021 48 12% 2023189 0 0 0 0 0 0 0 0 242783 2265972 11 2022 49 12% 2265972 0 0 0 0 0 0 0 0 271917 2537888 12 2023 50 12% 2537888 0 0 0 0 0 0 0 0 304547 2842435 13 2024 51 12% 2842435 0 0 0 0 0 0 0 0 341092 3183527 14 2025 52 12% 3183527 0 0 0 0 0 0 0 0 382023 3565550 15 2026 53 12% 3565550 0 0 0 0 0 0 0 0 427866 3993416 16 2027 54 12% 3993416 0 0 0 0 0 0 0 0 479210 4472626 17 2028 55 12% 4472626 0 0 0 0 0 0 0 0 536715 5009341 18 2029 56 12% 5009341 0 0 0 0 2527235 0 0 2527235 297853 2779959 19 2030 57 12% 2779959 0 0 0 0 2779959 0 0 2779959 0 0 20 2031 58 12% 0 0 0 0 0 0 0 0 0 0 0 21 2032 59 12% 0 0 0 0 0 0 0 0 0 0 0 22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 0 23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 0 24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 0 25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 0 26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 0 27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 0 28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 0 29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 0 30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 0 try 31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 0 h n 32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 0 tis Pla is 33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 0 34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 0 M 35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 0 Sa ple 36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 0 37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 0 51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 50
  • Sample Financial Plan Report in Excel 30/09/2012 Analysis & Cash Flow Statement Need-New Need-Home Your Selection for Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Total Amount Residential Appliances / Car Kevin Sandhya System Rs. Financial Need House Furniture Financial Goal Priority High Medium Medium Medium Medium Optional Current Cost / Expenses -You wants to provide : 3500000 800000 70000 55000 80000 250000 4755000 Goal Cost / Expenses Will Grow @% wise 6% 6% 6% 6% 5% 0%Inflation Effect OR @Amountwise year on year 0 0 0 0 0 10000 Years left to Financial Goal Arrival 8 3 6 9 5 17 This period is remain same in To be required in Year / Or / Goal start beginning from Year 2020 2015 2018 2021 2017 2029 most of time, try except if there h n Requirement for Period / Total No. of Years 1 1 1 1 1 1 is early tis Pla Requirement up to Year 2020 2015 2018 2021 2017 2029 is retirement desired before M Fin. Goal yearRegular Investment to be required for No. of Years from today onwards 8 3 6 9 5 17 arrival. Sa ple Regular Investment to be required up to year from today onwards 2020 2015 2018 2021 2017 2029 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 51
  • Sample Financial Plan Report in Excel 30/09/2012 Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Short Term Required in Year / From Year 0 2015 0 0 0 0Requirement (if any) Required Amount 0 952813 0 0 0 0 952813 Investment to be required @% 0 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 756374 0 0 0 0 756374 Lump sum Investment Need-New Need-Home Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Interest on Closing Sr. No. Year Age Rate of Return Require / 0 Residential Appliances / Total Needs Car Kevin Sandhya System Balance Amt. Balance Opening House Furniture Balance 1 2012 39 8% 756374 60510 816883 2 2013 40 8% 816883 0 0 0 0 0 0 0 65351 882234 try 3 2014 41 8% 882234 0 0 0 0 0 0 0 70579 952813 h n tis Pla 4 2015 42 8% 952813 0 952813 0 0 0 0 952813 0 0 is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 52
  • Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 0 2018 0 2017 0 Medium Term Required Amount 0 0 99296 0 102103 0 201399 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 0 9% Lumpsum 0 0 59207 0 66360 0 125567 Pre Retirement Period 15% Monthly 0 0 848 0 1138 0 1986 Lump sum Investment Need-New Need-Home Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Interest on Closing Sr. No. Year Age Rate of Return Require / 0 Residential Appliances / Total Needs Car Kevin Sandhya System Balance Amt. Balance Opening House Furniture Balance 1 2012 39 9% 125567 11301 136868 2 2013 40 9% 136868 0 0 0 0 0 0 0 12318 149186 3 2014 41 9% 149186 0 0 0 0 0 0 0 13427 162613 4 2015 42 9% 162613 0 0 0 0 0 0 0 14635 177248 5 2016 43 9% 177248 0 0 0 0 0 0 0 15952 193200 6 2017 44 9% 193200 0 0 0 0 102103 0 102103 8199 99296 7 2018 45 9% 99296 0 0 99296 0 0 0 99296 0 0 8 2019 46 9% 0 0 0 0 0 0 0 0 0 0 Required in Year / From Year 2020 0 0 2021 0 2029 0 Pre Retirement Required Amount 5578468 0 0 92921 0 420000 0 6091390 Required in Year / From Year Post 0 0 0 0 0 0 0 Long Term Required Amount Retirement 0 0 0 0 0 0 0 0 Regular Investment Requirement 0 0 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 2020 0 0 2021 0 2029 0 Goal Starting Required Amount Requirement 5578468 0 0 92921 0 420000 0 6091390 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% Retirement 7% Lumpsum 2253050 0 0 33508 0 61171 0 2347729 Year - try h n SIP OR Other Regular Investment Monthly 30002 0 0 406 0 447 0 30855 Whichever is tis Pla recommendations are for need away 5 Year arising earlier. is Quarterly 89693 0 0 1215 0 1353 0 92261 15% from now and upto Goal Starts OR Retirement M period starts,whichever arises earlier only.- Half Yearly 178465 0 0 2423 0 2741 0 183628 Sa ple @Projected Return ->> Yearly 353384 0 0 4814 0 5612 0 363810 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 53
  • Sample Financial Plan Report in Excel 30/09/2012 Lump sum Investment to be required for each Goal 0 2253050 0 0 33508 0 61171 2347729 Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal 0 30002 0 0 406 0 447 30855 Total amt. required - Monthly Lump sum Investment Need-New Need-Home Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Interest on ClosingSr. No. Year Age Rate of Return Require / Residential Appliances / Total Needs Car Kevin Sandhya System Balance Amt. Balance Opening House Furniture Balance 1 2012 39 12% 2347729 281727 2629456 2 2013 40 12% 2629456 0 0 0 0 0 0 0 315535 2944991 3 2014 41 12% 2944991 0 0 0 0 0 0 0 353399 3298390 4 2015 42 12% 3298390 0 0 0 0 0 0 0 395807 3694197 5 2016 43 12% 3694197 0 0 0 0 0 0 0 443304 4137500 6 2017 44 12% 4137500 0 0 0 0 0 0 0 496500 4634000 7 2018 45 12% 4634000 0 0 0 0 0 0 0 556080 5190080 8 2019 46 12% 5190080 0 0 0 0 0 0 0 622810 5812890 9 2020 47 12% 5812890 5578468 0 0 0 0 0 5578468 28131 262552 10 2021 48 12% 262552 0 0 0 92921 0 0 92921 20356 189987 11 2022 49 12% 189987 0 0 0 0 0 0 0 22798 212785 12 2023 50 12% 212785 0 0 0 0 0 0 0 25534 238319 13 2024 51 12% 238319 0 0 0 0 0 0 0 28598 266918 14 2025 52 12% 266918 0 0 0 0 0 0 0 32030 298948 15 2026 53 12% 298948 0 0 0 0 0 0 0 35874 334821 16 2027 54 12% 334821 0 0 0 0 0 0 0 40179 375000 17 2028 55 12% 375000 0 0 0 0 0 0 0 45000 420000 18 2029 56 12% 420000 0 0 0 0 0 420000 420000 0 0 19 2030 57 12% 0 0 0 0 0 0 0 0 0 0 20 2031 58 12% 0 0 0 0 0 0 0 0 0 0 21 2032 59 12% 0 0 0 0 0 0 0 0 0 0 22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 try h n 33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 tis Pla 34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 is 35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 M 36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 Sa ple 37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 38 2049 76 7% 0 0 0 0 0 0 0 0 0 0 51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 54
  • Sample Financial Plan Report in Excel 30/09/2012 Goal Status : Need-New Residential Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Need-Home Appliances / Total Amount Car Kevin Sandhya System Particulars House Furniture Total Amount of Future Goal : - 5578468 952813 99296 92921 102103 420000 7245601 To be required - (Amount Rs. ) :Possible Achievement of Future Goal (Amount Rs. ) : : 0 with your Actual Cash Flow : Goal Funding through Sale of Assets 2216183 218700 0 0 0 0 2434883 Goal Funding through Sale of Assets Goal Funding through Future Loan 573051 257706 0 0 0 0 830757 Goal Funding through Future Loan Goal Funding through Financial Investments 2789234 476406 99296 92921 102103 0 3559961 Goal Funding through Financial Investments Shortfall of Goal Amount : : 0 0 0 0 0 420000 420000 Calculating with your actual cash flow. : Goal Shortfall Possible Achievement of Future Goal ( %wise ) : : 100% 100% 100% 100% 100% 0% 94% with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : 0% 0% 0% 0% 0% 100% 6% Calculating with your actual cash flow. : Goal Gap Analysis 100% 90% Goal Shortfall 80% 70% Goal Funding through Financial 60% Investments 50% 40% Goal Funding through Future Loan 30% try 20% Goal Funding through Sale of Assets h n tis Pla 10% is 0% M Need-New Residential Need-Motor Car Need-Bike for Kevin Need-Scooty for Need-2 Computer Need-Home Sa ple House Sandhya System Appliances / Furniture By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 55
  • Sample Financial Plan Report in Excel 30/09/2012 Lumpsum Or Regular Cash amount required to be invest after calculating & analysing future earning & Investment cash flow for shortfall (if any) Short Term Required in Year / From Year 0 0 0 0 0 0Requirement (if any) Required Amount 0 0 0 0 0 0 0 Investment to be required @% 0 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 0 0 0 0 0 0 Lump sum Investment Need-New Need-Home Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Interest on Closing Sr. No. Year Age Rate of Return Require / Residential Appliances / Total Needs Car Kevin Sandhya System Balance Amt. Balance Opening House Furniture Balance 1 2012 39 8% 0 0 0 try h n 2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 tis Pla is 3 2014 41 8% 0 0 0 0 0 0 0 0 0 0 M 4 2015 42 8% 0 0 0 0 0 0 0 0 0 0 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 56
  • Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 0 0 0 0 0 Medium Term Required Amount 0 0 0 0 0 0 0 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 0 9% Lumpsum 0 0 0 0 0 0 0 Pre Retirement Period 15% Monthly 0 0 0 0 0 0 0 Lump sum Investment Need-New Need-Home Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Interest on Closing Sr. No. Year Age Rate of Return Require / 0 Residential Appliances / Total Needs Car Kevin Sandhya System Balance Amt. Balance Opening House Furniture Balance 1 2012 39 9% 0 0 0 0 2 2013 40 9% 0 0 0 0 0 0 0 0 0 0 3 2014 41 9% 0 0 0 0 0 0 0 0 0 0 4 2015 42 9% 0 0 0 0 0 0 0 0 0 0 5 2016 43 9% 0 0 0 0 0 0 0 0 0 0 6 2017 44 9% 0 0 0 0 0 0 0 0 0 0 7 2018 45 9% 0 0 0 0 0 0 0 0 0 0 8 2019 46 9% 0 0 0 0 0 0 0 0 0 0 Required in Year / From Year 0 0 0 0 0 2029 Pre Retirement Required Amount 0 0 0 0 0 420000 420000 Required in Year / From Year Post 0 0 0 0 0 0 Long Term Required Amount Retirement 0 0 0 0 0 0 0 Regular Investment Requirement 0 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 0 0 0 0 0 2029 Goal Starting Required Amount Requirement 0 0 0 0 0 420000 420000 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% Retirement 7% Lumpsum 0 0 0 0 0 61171 61171 Year - SIP OR Other Regular Investment Monthly 0 0 0 0 0 447 447 Whichever is try arising earlier. h n recommendations are for need away 5 Year Quarterly 0 0 0 0 0 1353 1353 tis Pla 15% from now and upto Goal Starts OR Retirement is period starts,whichever arises earlier only.- Half Yearly 0 0 0 0 0 2741 2741 M @Projected Return ->> Yearly 0 0 0 0 0 5612 5612 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 57
  • Sample Financial Plan Report in Excel 30/09/2012 Lump sum Investment to be required for each Goal 0 0 0 0 0 0 61171 61171 Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal 0 0 0 0 0 0 447 447 Total amt. required - Monthly Lump sum Investment Need-New Need-Home Need-Motor Need-Bike for Need-Scooty for Need-2 Computer Interest on ClosingSr. No. Year Age Rate of Return Require / Residential Appliances / Total Needs Car Kevin Sandhya System Balance Amt. Balance Opening House Furniture Balance 1 2012 39 12% 61171 7340 68511 2 2013 40 12% 68511 0 0 0 0 0 0 0 8221 76732 3 2014 41 12% 76732 0 0 0 0 0 0 0 9208 85940 4 2015 42 12% 85940 0 0 0 0 0 0 0 10313 96253 5 2016 43 12% 96253 0 0 0 0 0 0 0 11550 107804 6 2017 44 12% 107804 0 0 0 0 0 0 0 12936 120740 7 2018 45 12% 120740 0 0 0 0 0 0 0 14489 135229 8 2019 46 12% 135229 0 0 0 0 0 0 0 16227 151456 9 2020 47 12% 151456 0 0 0 0 0 0 0 18175 169631 10 2021 48 12% 169631 0 0 0 0 0 0 0 20356 189987 11 2022 49 12% 189987 0 0 0 0 0 0 0 22798 212785 12 2023 50 12% 212785 0 0 0 0 0 0 0 25534 238319 13 2024 51 12% 238319 0 0 0 0 0 0 0 28598 266918 14 2025 52 12% 266918 0 0 0 0 0 0 0 32030 298948 15 2026 53 12% 298948 0 0 0 0 0 0 0 35874 334821 16 2027 54 12% 334821 0 0 0 0 0 0 0 40179 375000 17 2028 55 12% 375000 0 0 0 0 0 0 0 45000 420000 18 2029 56 12% 420000 0 0 0 0 0 420000 420000 0 0 19 2030 57 12% 0 0 0 0 0 0 0 0 0 0 20 2031 58 12% 0 0 0 0 0 0 0 0 0 0 21 2032 59 12% 0 0 0 0 0 0 0 0 0 0 22 2033 60 12% 0 0 0 0 0 0 0 0 0 0 23 2034 61 7% 0 0 0 0 0 0 0 0 0 0 24 2035 62 7% 0 0 0 0 0 0 0 0 0 0 25 2036 63 7% 0 0 0 0 0 0 0 0 0 0 26 2037 64 7% 0 0 0 0 0 0 0 0 0 0 27 2038 65 7% 0 0 0 0 0 0 0 0 0 0 28 2039 66 7% 0 0 0 0 0 0 0 0 0 0 29 2040 67 7% 0 0 0 0 0 0 0 0 0 0 30 2041 68 7% 0 0 0 0 0 0 0 0 0 0 try 31 2042 69 7% 0 0 0 0 0 0 0 0 0 0 h n 32 2043 70 7% 0 0 0 0 0 0 0 0 0 0 tis Pla is 33 2044 71 7% 0 0 0 0 0 0 0 0 0 0 34 2045 72 7% 0 0 0 0 0 0 0 0 0 0 M 35 2046 73 7% 0 0 0 0 0 0 0 0 0 0 Sa ple 36 2047 74 7% 0 0 0 0 0 0 0 0 0 0 37 2048 75 7% 0 0 0 0 0 0 0 0 0 0 51 2062 89 0% 0 0 0 0 0 0 0 0 0 0 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 58
  • Sample Financial Plan Report in Excel 30/09/2012 Pre - Retirement Expenses Details Current Current Retirement After Ret.you will be able to Expenses Inflation effect on Expenses Expenses at Final Expenses Amount - Year Age Current Expenses / Particulars Period Retirement Year reduce lump sum expenses Amount Rs. Retirement - Rs. Retirement Year Onwards %wise OR Amount wise 2012 39 %wise OR Amount wise ( In Years) Personal Expenses 68400 6% 0 21 2033 232530 40% 0 139518 Housing Expenses 83400 6% 0 21 2033 283524 5% 0 269347 Food Expenses 104600 8% 0 21 2033 526539 5% 0 500212 Living Expenses 114600 7% 0 21 2033 474508 5% 0 450783 2130523 Health Expenses 52400 10% 0 21 2033 387773 -10% 0 426550 Entertainment Expenses 62000 10% 0 21 2033 458815 25% 0 344112 Total Amount Rs. 485400 2363690 Reduction >> 10% 2130523 8000000 6000000 Pre -Retirement Expenses 4000000 Post -Retirement Expenses 2000000 0 Post - Retirement Income -Expenses Details Retirement year onwards Expenses Retirement year onwards IncomeRetirement Retirement Expenses Inflation effect after retirement Retirement Retirement Retirement Income will rise Life Expectancy Less : Retirement year onwards Year Age Amount at Income from / Income Amount Retirement Expenses / Particulars Retirement Source Rs. Income - Rs. 2033 60 %wise Amt.wise %wise OR Amt.wise Age Upto Yr. Personal Expenses 139518 6% 0 0 1110037 0% 0 80 2053Total Period Housing Expenses 269347 6% 0 0 0 0% 0 80 2053 20 in Years Food Expenses 500212 6% 0 0 0 0% 0 80 2053 try h n Living Expenses 450783 6% 0 0 0 0% 0 80 2053 1110037 tis Pla is Life Expectancy Health Expenses 426550 10% 0 0 0 0% 0 80 2053 Entertainment Expenses M Year Age 344112 6% 0 80 2053 1110037 2053 80 Total Amount Rs. 2130523 Sa ple By m Net Expenses Rs. : ( Retirement onwards Expenses - Income ) - to be required at start of retirement period 1020485 Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 59
  • Sample Financial Plan Report in Excel 30/09/2012 Gross Retirement Corpus Need -Calculation Sheet Amount needed in year Aggressive Moderate Rate Conservative Calculation of Post Retirement Corpus with 3 scenario at different rate of return Rate (%) (%) Rate (%) 2033 60 Expenses amount at retirement year onwards ( As per Income - Expenses calculation sheet) 1020485 1020485 1020485 Post Retirement - Expected Rate of Return on Retirement Corpus 8% 7% 6% Requirement duration : Total No. of Years ( Retirement Year to Life Expectancy Year ) 20 20 20 Total corpus to be required for retirement period ( upto 20 years) to cover post retirement expenses 29886121 32865924 36276567 Current Cost Current Cost - ( Inflation ) Add : Additional Requirement at Retirement OR Target Amount will Rise @ % Or Amt. wise Medical Expenses 500000 6% 0 1699782 1699782 1699782 Tour - Yatra 1000000 5% 0 2785963 2785963 2785963 Donation / Gift 1000000 5% 0 2785963 2785963 2785963 Reserve Balance 1000000 6% 0 3399564 3399564 3399564 10671271 10671271 10671271 Total corpus to be required at retirement to cover post retirement expenses & 40557391 43537194 46947838 Additional provisional fund requirement (if any) Funds to be required to Retirement Retirement Retirement Need Retirement Need Your Selection for provide regular Need Provision Total Amount Need Provision Provision - Provision - expenses from - Medical Rs. Retirement Need Retirement year Expenses - Tour - Yatra Donation / Gift Reserve Balance onwards. Financial Goal Priority High High Medium Low Optional Current Cost / Expenses -You wants to provide : 485400 500000 1000000 1000000 1000000 3985400 Goal Cost / Expenses Will Grow @% wise As mentioned 6% 5% 5% 6%Inflation Effect OR @Amountwise year on year in above sheet try Years left to Financial Goal Arrival 21 21 21 21 21 h n This period is tis Pla remain same in is To be required in Year / Or / Goal start beginning from Year 2033 2033 2033 2033 2033 most of time, M Requirement for Period / Total No. of Years 1 1 1 1 1 except if there is early Sa ple Requirement up to Year 2033 2033 2033 2033 2033 retirement desired before Fin. Goal year By mRegular Investment to be required for No. of Years from today onwards 21 21 21 21 21 arrival. Regular Investment to be required up to year from today onwards 2033 2033 2033 2033 2033 Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 60
  • Sample Financial Plan Report in Excel 30/09/2012 Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Short Term Required in Year / From Year 0 0 0 0 0Requirement (if any) Required Amount 0 0 0 0 0 0 Investment to be required @% 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 0 0 0 0 0 Lump sum Funds to be Retirement Investment required to Retirement Retirement Need Retirement Need Need Provision Interest on Closing Sr. No. Year Age Rate of Return Require / 0 provide regular Need Provision Provision - Provision - Total Needs - Medical Balance Amt. Balance Opening expenses from - Tour - Yatra Donation / Gift Reserve Balance Expenses try Balance Retirement year h n 1 2012 39 8% 0 0 0 tis Pla is 2 2013 40 8% 0 0 0 0 0 0 0 0 0 3 2014 41 8% 0 0 0 0 0 0 0 0 0 M 4 2015 42 8% 0 0 0 0 0 0 0 0 0 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 61
  • Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 0 0 0 0 Medium Term Required Amount 0 0 0 0 0 0 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 9% Lumpsum 0 0 0 0 0 0 Pre Retirement Period 15% Monthly 0 0 0 0 0 0 Funds to be Lump sum required to Retirement Investment Retirement Retirement Need Retirement Need provide regular Need Provision Interest on Closing Sr. No. Year Age Rate of Return Require / 0 Need Provision Provision - Provision - Total Needs expenses from - Medical Balance Amt. Balance Opening - Tour - Yatra Donation / Gift Reserve Balance Retirement year Expenses Balance onwards. 1 2012 39 9% 0 0 0 2 2013 40 9% 0 0 0 0 0 0 0 0 0 3 2014 41 9% 0 0 0 0 0 0 0 0 0 4 2015 42 9% 0 0 0 0 0 0 0 0 0 5 2016 43 9% 0 0 0 0 0 0 0 0 0 6 2017 44 9% 0 0 0 0 0 0 0 0 0 7 2018 45 9% 0 0 0 0 0 0 0 0 0 8 2019 46 9% 0 0 0 0 0 0 0 0 0 Required in Year / From Year 0 0 0 0 0 0 Pre Retirement Required Amount 0 0 0 0 0 0 0 Required in Year / From Year Post 2034 2034 2034 2034 2034 0 Long Term Required Amount Retirement 71115515 1699782 2785963 2785963 3399564 0 81786786 Regular Investment Requirement 0 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 2034 2034 2034 2034 2034 0 Goal Starting Required Amount Requirement 71115515 1699782 2785963 2785963 3399564 0 81786786 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% Retirement 7% Lumpsum 2716122 140474 230239 230239 280948 0 3598023 Year - SIP OR Other Regular Investment Monthly 25362 1312 2150 2150 2623 0 33596 Whichever is try arising earlier. h n recommendations are for need away 5 Year Quarterly 76706 3967 6502 6502 7934 0 101612 15% from now and upto Goal Starts OR Retirement tis Pla is period starts,whichever arises earlier only.- Half Yearly 155216 8028 13157 13157 16055 0 205613 @Projected Return ->> M Yearly 317230 16407 26891 26891 32813 0 420231 Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 62
  • Sample Financial Plan Report in Excel 30/09/2012 Lump sum Investment to be required for each Goal 0 2716122 140474 230239 230239 280948 3598023 Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal 0 25362 1312 2150 2150 2623 33596 Total amt. required - Monthly Funds to be Lump sum required to Retirement Investment Retirement Retirement Need Retirement Need provide regular Need Provision Interest on ClosingSr. No. Year Age Rate of Return Require / Need Provision Provision - Provision - Total Needs expenses from - Medical Balance Amt. Balance Opening - Tour - Yatra Donation / Gift Reserve Balance Retirement year Expenses Balance onwards. 1 2012 39 12% 3598023 431763 4029786 2 2013 40 12% 4029786 0 0 0 0 0 0 483574 4513360 3 2014 41 12% 4513360 0 0 0 0 0 0 541603 5054963 4 2015 42 12% 5054963 0 0 0 0 0 0 606596 5661559 5 2016 43 12% 5661559 0 0 0 0 0 0 679387 6340946 6 2017 44 12% 6340946 0 0 0 0 0 0 760914 7101859 7 2018 45 12% 7101859 0 0 0 0 0 0 852223 7954083 8 2019 46 12% 7954083 0 0 0 0 0 0 954490 8908573 9 2020 47 12% 8908573 0 0 0 0 0 0 1069029 9977601 10 2021 48 12% 9977601 0 0 0 0 0 0 1197312 11174913 11 2022 49 12% 11174913 0 0 0 0 0 0 1340990 12515903 12 2023 50 12% 12515903 0 0 0 0 0 0 1501908 14017811 13 2024 51 12% 14017811 0 0 0 0 0 0 1682137 15699949 14 2025 52 12% 15699949 0 0 0 0 0 0 1883994 17583942 15 2026 53 12% 17583942 0 0 0 0 0 0 2110073 19694016 16 2027 54 12% 19694016 0 0 0 0 0 0 2363282 22057297 17 2028 55 12% 22057297 0 0 0 0 0 0 2646876 24704173 18 2029 56 12% 24704173 0 0 0 0 0 0 2964501 27668674 19 2030 57 12% 27668674 0 0 0 0 0 0 3320241 30988915 20 2031 58 12% 30988915 0 0 0 0 0 0 3718670 34707585 21 2032 59 12% 34707585 0 0 0 0 0 0 4164910 38872495 22 2033 60 12% 38872495 0 0 0 0 0 0 4664699 43537194 23 2034 61 7% 43537194 1165379 1699782 2785963 2785963 3399564 11836649 2219038 33919583 24 2035 62 7% 33919583 1320672 0 0 0 0 1320672 2281924 34880835 25 2036 63 7% 34880835 1487159 0 0 0 0 1487159 2337557 35731233 26 2037 64 7% 35731233 1665701 0 0 0 0 1665701 2384587 36450120 27 2038 65 7% 36450120 1857225 0 0 0 0 1857225 2421503 37014397 28 2039 66 7% 37014397 2062740 0 0 0 0 2062740 2446616 37398274 29 2040 67 7% 37398274 2283333 0 0 0 0 2283333 2458046 37572987 30 2041 68 7% 37572987 2520184 0 0 0 0 2520184 2453696 37506499 31 2042 69 7% 37506499 2774571 0 0 0 0 2774571 2431235 37163162 32 2043 70 7% 37163162 3047879 0 0 0 0 3047879 2388070 36503353 33 2044 71 7% 36503353 3341609 0 0 0 0 3341609 2321322 35483067 34 2045 72 7% 35483067 3657387 0 0 0 0 3657387 2227798 34053477 35 2046 73 7% 34053477 3996981 0 0 0 0 3996981 2103955 32160451 try h n 36 2047 74 7% 32160451 4362304 0 0 0 0 4362304 1945870 29744017 37 2048 75 7% 29744017 4755438 0 0 0 0 4755438 1749201 26737779 tis Pla is 38 2049 76 7% 26737779 5178639 0 0 0 0 5178639 1509140 23068280 M 39 2050 77 7% 23068280 5634359 0 0 0 0 5634359 1220374 18654296 40 2051 78 7% 18654296 6125262 0 0 0 0 6125262 877032 13406066 Sa ple 41 2052 79 7% 13406066 6654243 0 0 0 0 6654243 472628 7224450 42 2053 80 0% 7224450 7224450 0 0 0 0 7224450 0 0 By m 43 2054 81 0% 0 0 0 0 0 0 0 0 0 44 2055 82 0% 0 0 0 0 0 0 0 0 0 Sa 45 2056 83 0% 0 0 0 0 0 0 0 0 0 Contact : Satish Mistry, Email: moneycarefp@gmail.com 63
  • Sample Financial Plan Report in Excel 30/09/2012 Funds to be required to Retirement Goal Status : provide regular Need Provision Retirement Need Provision Retirement Need Retirement Need Provision - Provision - 0 Total Amount expenses from - Medical Particulars Retirement year Expenses - Tour - Yatra Donation / Gift Reserve Balance onwards. Total Amount of Future Goal : - 71115515 1699782 2785963 2785963 3399564 81786786 To be required - (Amount Rs. ) :Possible Achievement of Future Goal (Amount Rs. ) : : 32503095 1699782 2785963 2785963 3399564 43174365 with your Actual Cash Flow : Goal Funding through Investment Shortfall of Goal Amount : : 38612420 0 0 0 0 38612420 Calculating with your actual cash flow. : Goal Shortfall Possible Achievement of Future Goal ( %wise ) : : 46% 100% 100% 100% 100% 53% with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : 54% 0% 0% 0% 0% 47% Calculating with your actual cash flow. : Goal Gap Analysis 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Funds to be required to Retirement Need Provision - Retirement Need Provision - Retirement Need Provision - Retirement Need Provision - provide regular expenses from Medical Expenses Tour - Yatra Donation / Gift Reserve Balance Retirement year onwards. try h n Goal Funding through Investment Goal Shortfall tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 64
  • Sample Financial Plan Report in Excel 30/09/2012 Lumpsum Or Regular Cash amount required to be invest after calculating & analysing future earning & Investment cash flow for shortfall (if any) Short Term Required in Year / From Year 0 0 0 0 0Requirement (if any) Required Amount 0 0 0 0 0 0 Investment to be required @% 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 0 0 0 0 0 Funds to be Lump sum required to Retirement Investment Retirement Retirement Need Retirement Need provide regular Need Provision Interest on Closing Sr. No. Year Age Rate of Return Require / Need Provision Provision - Provision - 0 Total Needs expenses from - Medical Balance Amt. Balance Opening - Tour - Yatra Donation / Gift Reserve Balance Retirement year Expenses Balance onwards. 1 2012 39 8% 0 0 0 2 2013 40 8% 0 0 0 0 0 0 0 0 0 try h n 3 2014 41 8% 0 0 0 0 0 0 0 0 0 tis Pla is 4 2015 42 8% 0 0 0 0 0 0 0 0 0 M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 65
  • Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 0 0 0 0 Medium Term Required Amount 0 0 0 0 0 0 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 9% Lumpsum 0 0 0 0 0 0 Pre Retirement Period 15% Monthly 0 0 0 0 0 0 Funds to be Lump sum required to Retirement Investment Retirement Retirement Need Retirement Need provide regular Need Provision Interest on Closing Sr. No. Year Age Rate of Return Require / 0 Need Provision Provision - Provision - 0 Total Needs expenses from - Medical Balance Amt. Balance Opening - Tour - Yatra Donation / Gift Reserve Balance Retirement year Expenses Balance onwards. 1 2012 39 9% 0 0 0 0 2 2013 40 9% 0 0 0 0 0 0 0 0 0 3 2014 41 9% 0 0 0 0 0 0 0 0 0 4 2015 42 9% 0 0 0 0 0 0 0 0 0 5 2016 43 9% 0 0 0 0 0 0 0 0 0 6 2017 44 9% 0 0 0 0 0 0 0 0 0 7 2018 45 9% 0 0 0 0 0 0 0 0 0 8 2019 46 9% 0 0 0 0 0 0 0 0 0 Required in Year / From Year 0 0 0 0 0 Pre Retirement Required Amount 0 0 0 0 0 0 Required in Year / From Year Post 2034 0 0 0 0 Long Term Required Amount Retirement 38612420 0 0 0 0 38612420 Regular Investment Requirement 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 2034 0 0 0 0 Goal Starting Required Amount Requirement 38612420 0 0 0 0 38612420 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% 7% Lumpsum 1057555 0 0 0 0 1057555 try Retirement Year - h n SIP OR Other Regular Investment Monthly 9875 0 0 0 0 9875 Whichever is tis Pla is recommendations are for need away 5 Year Quarterly 29866 0 0 0 0 29866 arising earlier. 15% from now and upto Goal Starts OR Retirement M period starts,whichever arises earlier only.- Half Yearly 60435 0 0 0 0 60435 Sa ple @Projected Return ->> Yearly 123517 0 0 0 0 123517 By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 66
  • Sample Financial Plan Report in Excel 30/09/2012 Lump sum Investment to be required for each Goal 0 1057555 0 0 0 0 1057555 Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal 0 9875 0 0 0 0 9875 Total amt. required - Monthly Funds to be Lump sum required to Retirement Investment Retirement Retirement Need Retirement Need provide regular Need Provision Interest on ClosingSr. No. Year Age Rate of Return Require / Need Provision Provision - Provision - Total Needs expenses from - Medical Balance Amt. Balance Opening - Tour - Yatra Donation / Gift Reserve Balance Retirement year Expenses Balance onwards. 1 2012 39 12% 1057555 126907 1184462 2 2013 40 12% 1184462 0 0 0 0 0 0 142135 1326597 3 2014 41 12% 1326597 0 0 0 0 0 0 159192 1485789 4 2015 42 12% 1485789 0 0 0 0 0 0 178295 1664084 5 2016 43 12% 1664084 0 0 0 0 0 0 199690 1863774 6 2017 44 12% 1863774 0 0 0 0 0 0 223653 2087427 7 2018 45 12% 2087427 0 0 0 0 0 0 250491 2337918 8 2019 46 12% 2337918 0 0 0 0 0 0 280550 2618468 9 2020 47 12% 2618468 0 0 0 0 0 0 314216 2932684 10 2021 48 12% 2932684 0 0 0 0 0 0 351922 3284606 11 2022 49 12% 3284606 0 0 0 0 0 0 394153 3678759 12 2023 50 12% 3678759 0 0 0 0 0 0 441451 4120210 13 2024 51 12% 4120210 0 0 0 0 0 0 494425 4614635 14 2025 52 12% 4614635 0 0 0 0 0 0 553756 5168391 15 2026 53 12% 5168391 0 0 0 0 0 0 620207 5788598 16 2027 54 12% 5788598 0 0 0 0 0 0 694632 6483230 17 2028 55 12% 6483230 0 0 0 0 0 0 777988 7261218 18 2029 56 12% 7261218 0 0 0 0 0 0 871346 8132564 19 2030 57 12% 8132564 0 0 0 0 0 0 975908 9108471 20 2031 58 12% 9108471 0 0 0 0 0 0 1093017 10201488 21 2032 59 12% 10201488 0 0 0 0 0 0 1224179 11425666 22 2033 60 12% 11425666 0 0 0 0 0 0 1371080 12796746 23 2034 61 7% 12796746 0 0 0 0 0 0 895772 13692519 24 2035 62 7% 13692519 0 0 0 0 0 0 958476 14650995 25 2036 63 7% 14650995 0 0 0 0 0 0 1025570 15676565 26 2037 64 7% 15676565 0 0 0 0 0 0 1097360 16773924 27 2038 65 7% 16773924 0 0 0 0 0 0 1174175 17948099 28 2039 66 7% 17948099 0 0 0 0 0 0 1256367 19204466 29 2040 67 7% 19204466 0 0 0 0 0 0 1344313 20548778 30 2041 68 7% 20548778 0 0 0 0 0 0 1438414 21987193 31 2042 69 7% 21987193 0 0 0 0 0 0 1539104 23526296 32 2043 70 7% 23526296 0 0 0 0 0 0 1646841 25173137 33 2044 71 7% 25173137 0 0 0 0 0 0 1762120 26935257 34 2045 72 7% 26935257 0 0 0 0 0 0 1885468 28820725 try h n 35 2046 73 7% 28820725 0 0 0 0 0 0 2017451 30838175 36 2047 74 7% 30838175 3040029 0 0 0 0 3040029 1945870 29744017 tis Pla is 37 2048 75 7% 29744017 4755438 0 0 0 0 4755438 1749201 26737779 M 38 2049 76 7% 26737779 5178639 0 0 0 0 5178639 1509140 23068280 39 2050 77 7% 23068280 5634359 0 0 0 0 5634359 1220374 18654296 Sa ple 40 2051 78 7% 18654296 6125262 0 0 0 0 6125262 877032 13406066 41 2052 79 7% 13406066 6654243 0 0 0 0 6654243 472628 7224450 By m 42 2053 80 0% 7224450 7224450 0 0 0 0 7224450 0 0 43 2054 81 0% 0 0 0 0 0 0 0 0 0 Sa 44 2055 82 0% 0 0 0 0 0 0 0 0 0 Contact : Satish Mistry, Email: moneycarefp@gmail.com 67
  • Sample Financial Plan Report in Excel 30/09/2012 Separate Retirement Plan Calculation Sheet For Working Couple to find Investment Need with Retirement Corpus Total Retirement Corpus to be required at Retirement : 40557391 43537194 46947838 8% 7% 6% Retirement Year Age Less : Amount receivable towards retirement benefits / other investment contributed for retirements Amar Patel Value of Retirement Benefit Corpus Retirement benefits corpus 2033 60 Amar Patel- in 2033 Sangita Patel- in 2036 Sangita Patel EPF & EPS Valuation at Retirement 6307986 0 6307986 6307986 6307986 2036 60 Gratuity Value at Retirement 904327 0 904327 904327 904327 Total : 7212313 Total : 0 7212313 7212313 7212313 Other Investment / Retirement Corpus PPF Valuation of all Accounts 1139315 1139315 1139315 Mutual Fund -SIP Valuation (Retirement) 7565021 7565021 7565021 8704336 8704336 8704336 Total value of retirement benefit corpus at Retirement Rs. :: 15916649 15916649 15916649 2033 60 Therefore, total amount to be accumulated at retirement year 24640742 27620545 31031189Current Current Year Age So, as of today how much amount to be invested to build retirement corpus 2012 39 Aggressive Moderate Conservative Assumed Return - Pre Retirement 15% 12% 9% Investment Tenure ( Years) 22 22 22 total Corpus to be accumulated 24640742 27620545 31031189 24640742 27620545 31031189 24640742 27620545 31031189 Aggressive Moderate Conservative Aggressive Moderate Conservative Aggressive Moderate Conservative Assumed Return - Post Retirement 8% 7% 6% 8% 7% 6% 8% 7% 6% Yearly Investment to be required 155682 174508 196057 237838 266600 299520 359551 403032 452799Monthly Investment to be required 12049 13506 15173 19205 21527 24185 29858 33469 37602 tryLump sum Investment to be required 1138417 1276085 1433659 2036373 2282631 2564495 3700589 4148101 4660317 h n tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 68
  • Sample Financial Plan Report in Excel 30/09/2012 Retirement Planning : Cash Flow Statement Pre-Retirement Rate of Return on Investment :: Select Here 12% 7% Select Here :: Post-Retirement Rate of Return on Investment Amar Patel Sangita Patel Retirement Benefits & Corpus Value Retirement Needs Required Fund Opening Maturity Value Blanace each Reserve Fund - Interest ClosingSr. Year Fund for Yearly Net_Need_Rs. Interest Rate% Age Age Balance Rs. Amar Patel Sangita Patel of other Provisional Amount Rs. Balance Rs. year Expenses Investments Requirement 1 2012 39 36 2282631 0 0 Rs. 0 2282631 0 0 2282631 12% 273916 2556547 2 2013 40 37 2556547 0 0 0 2556547 0 0 2556547 12% 306786 2863333 3 2014 41 38 2863333 0 0 0 2863333 0 0 2863333 12% 343600 3206932 4 2015 42 39 3206932 0 0 0 3206932 0 0 3206932 12% 384832 3591764 5 2016 43 40 3591764 0 0 0 3591764 0 0 3591764 12% 431012 4022776 6 2017 44 41 4022776 0 0 0 4022776 0 0 4022776 12% 482733 4505509 7 2018 45 42 4505509 0 0 0 4505509 0 0 4505509 12% 540661 5046170 8 2019 46 43 5046170 0 0 0 5046170 0 0 5046170 12% 605540 5651711 9 2020 47 44 5651711 0 0 0 5651711 0 0 5651711 12% 678205 632991610 2021 48 45 6329916 0 0 0 6329916 0 0 6329916 12% 759590 708950611 2022 49 46 7089506 0 0 0 7089506 0 0 7089506 12% 850741 794024712 2023 50 47 7940247 0 0 0 7940247 0 0 7940247 12% 952830 889307613 2024 51 48 8893076 0 0 0 8893076 0 0 8893076 12% 1067169 996024514 2025 52 49 9960245 0 0 0 9960245 0 0 9960245 12% 1195229 1115547515 2026 53 50 11155475 0 0 0 11155475 0 0 11155475 12% 1338657 1249413216 2027 54 51 12494132 0 0 0 12494132 0 0 12494132 12% 1499296 1399342817 2028 55 52 13993428 0 0 0 13993428 0 0 13993428 12% 1679211 1567263918 2029 56 53 15672639 0 0 0 15672639 0 0 15672639 12% 1880717 1755335519 2030 57 54 17553355 0 0 0 17553355 0 0 17553355 12% 2106403 1965975820 2031 58 55 19659758 0 0 0 19659758 0 0 19659758 12% 2359171 2201892921 2032 59 56 22018929 0 0 0 22018929 0 0 22018929 12% 2642271 2466120122 2033 60 57 24661201 0 0 0 24661201 0 0 24661201 12% 2959344 2762054523 2034 61 58 27620545 7212313 0 8704336 43537194 10671271 1165379 31700545 7% 2219038 3391958324 2035 62 59 33919583 0 0 0 33919583 0 1320672 32598911 7% 2281924 3488083525 2036 63 60 34880835 0 0 0 34880835 0 1487159 33393676 7% 2337557 3573123326 2037 64 61 35731233 0 0 0 35731233 0 1665701 34065533 7% 2384587 3645012027 2038 65 62 36450120 0 0 0 36450120 0 1857225 34592895 7% 2421503 3701439728 2039 66 63 37014397 0 0 0 37014397 0 2062740 34951657 7% 2446616 3739827429 2040 67 64 37398274 0 0 0 37398274 0 2283333 35114941 7% 2458046 3757298730 2041 68 65 37572987 0 0 0 37572987 0 2520184 35052803 7% 2453696 3750649931 2042 69 66 37506499 0 0 0 37506499 0 2774571 34731927 7% 2431235 3716316232 2043 70 67 37163162 0 0 0 37163162 0 3047879 34115283 7% 2388070 3650335333 2044 71 68 36503353 0 0 0 36503353 0 3341609 33161744 7% 2321322 3548306734 2045 72 69 35483067 0 0 0 35483067 0 3657387 31825679 7% 2227798 3405347735 2046 73 70 34053477 0 0 0 34053477 0 3996981 30056496 7% 2103955 3216045136 2047 74 71 32160451 0 0 0 32160451 0 4362304 27798146 7% 1945870 2974401737 2048 75 72 29744017 0 0 0 29744017 0 4755438 24988579 7% 1749201 2673777938 2049 76 73 26737779 0 0 0 26737779 0 5178639 21559140 7% 1509140 2306828039 2050 77 74 23068280 0 0 0 23068280 0 5634359 17433921 7% 1220374 18654296 try40 2051 78 75 18654296 0 0 0 18654296 0 6125262 12529034 7% 877032 13406066 h n41 2052 79 76 13406066 0 0 0 13406066 0 6654243 6751823 7% 472628 7224450 tis Pla is42 2053 80 77 7224450 0 0 0 7224450 0 7224450 0 7% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0 M 0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0 Sa ple 0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0 By m 0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0 Sa 0 0 0 0 0 0 0 0 0 0 0 0 0% 0 0 Contact : Satish Mistry, Email: moneycarefp@gmail.com 69
  • 0 5000000 10000000 15000000 20000000 25000000 30000000 35000000 40000000 2012 2013 2014 2015 2282631 2016 2556547 2017 2863333 2018 3206932 2019 3591764 2020 4022776 Retirement Need 2021 4505509 2022 5046170 2023 5651711 2024 6329916 2025 7089506 2026 7940247 2027 8893076 2028 9960245 2029 11155475 2030 12494132 2031 13993428 2032 15672639 2033 Retirement Corpus 17553355 2034 19659758 2035 22018929 2036 24661201 2037 27620545 2038 33919583 2039 34880835 2040 35731233 2041 Sample Financial Plan Report in Excel 36450120 2042 37014397 2043 37398274 2044 37572987 Contact : Satish Mistry, Email: moneycarefp@gmail.com 2045 37506499 Interest on Balance 2046 37163162 2047 36503353 Retirement Cash Flow 2048 35483067 2049 34053477 2050 32160451 2051 29744017 2052 26737779 2053 23068280 18654296 13406066 7224450 Retirement Need Retirement Corpus Interest on Balance Required Balance Each Year Required Balance Each Year SaBy m Sa ple 70 30/09/2012 tis Pla h n M is try
  • Sample Financial Plan Report in Excel 30/09/2012 Dream-Create Your Selection for Dream-Farm Dream-Domestic Dream-Foreign Total Amount Wealth for House & Land Long Tour Tour Rs. Financial Dream Family Financial Goal Priority Optional Optional 0 Optional Optional Current Cost / Expenses -You wants to provide : 3000000 5000000 0 40000 250000 8290000 Goal Cost / Expenses Will Grow @% wise 6% 0% 0% 5% 5%Inflation Effect OR @Amountwise year on year 0 0 0 0 0 Years left to Financial Goal Arrival 18 38 0 18 23 This period is remain same in To be required in Year / Or / Goal start beginning from Year 2030 2050 0 2030 2035 most of time, Requirement for Period / Total No. of Years 1 1 0 16 21 except if there is early Requirement up to Year 2030 2050 0 2045 2055 retirement desired before try Fin. Goal year h nRegular Investment to be required for No. of Years from today onwards 18 21 0 18 21 arrival. tis Pla is Regular Investment to be required up to year from today onwards 2030 2033 0 2030 2033 M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 71
  • Sample Financial Plan Report in Excel 30/09/2012 Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Short Term Required in Year / From Year 0 0 0 0 0Requirement (if any) Required Amount 0 0 0 0 0 0 Investment to be required @% 0 0 0 0 0 0Pre Retirement Period 8% Lumpsum 0 0 0 0 0 0 Lump sum Investment Dream-Create Dream-Farm Dream-Domestic Dream-Foreign Interest on Closing Sr. No. Year Age Rate of Return Require / 0 Wealth for Total Needs House & Land Long Tour Tour Balance Amt. Balance Opening Family Balance 1 2012 39 8% 0 0 0 2 2013 40 8% 0 0 0 0 0 0 0 0 0 3 2014 41 8% 0 0 0 0 0 0 0 0 0 try h n 4 2015 42 8% 0 0 0 0 0 0 0 0 0 tis Pla is M Sa ple By m Sa Contact : Satish Mistry, Email: moneycarefp@gmail.com 72
  • Sample Financial Plan Report in Excel 30/09/2012 Required in Year / From Year 0 0 0 0 0 Medium Term Required Amount 0 0 0 0 0 0 Requirement (if any) Investment to be required @% 0 0 0 0 0 0 9% Lumpsum 0 0 0 0 0 0 Pre Retirement Period 15% Monthly 0 0 0 0 0 0 Lump sum Investment Dream-Create Dream-Farm Dream-Domestic Dream-Foreign Interest on Closing Sr. No. Year Age Rate of Return Require / 0 Wealth for Total Needs House & Land Long Tour Tour Balance Amt. Balance Opening Family Balance 1 2012 39 9% 0 0 0 2 2013 40 9% 0 0 0 0 0 0 0 0 0 3 2014 41 9% 0 0 0 0 0 0 0 0 0 4 2015 42 9% 0 0 0 0 0 0 0 0 0 5 2016 43 9% 0 0 0 0 0 0 0 0 0 6 2017 44 9% 0 0 0 0 0 0 0 0 0 7 2018 45 9% 0 0 0 0 0 0 0 0 0 8 2019 46 9% 0 0 0 0 0 0 0 0 0 Required in Year / From Year 2030 0 0 2030 0 0 Pre Retirement Required Amount 8563017 0 0 207703 0 0 8770721 Required in Year / From Year Post 0 2050 0 2036 2035 0 Long Term Required Amount Retirement 0 5000000 0 651347 4595080 0 10246427 Regular Investment Requirement 0 0 0 0 0 0 0 Amount is suggested upto Required in Year / From Year Consolidated 2030 2050 0 2030 2035 0 Goal Starting Required Amount Requirement 8563017 5000000 0 859051 4595080 0 19017148 Year Lumpsum Investment to be required @% 0 0 0 0 0 0 0 OR Upto Post RetirementPre Retirement 12% Retirement