Financial Goal Planner

1. FINANCIAL GOAL PLANNER
YOUR PRIORITIES: - RANK YOUR PRIORITIES FROM 1ST TO 3rd
PROTECTION
AGAINST
PREMATURE DEATH
HAPPY
RETIREMENT
LIFE
BETTER FUTURE
FOR CHILD

2. TODAY

5. MAGIC BILL

6. How much RESERVE FUND do I required ?
4 C formula
1st C
Creation of Income
2nd C 3rd C
Consumption of Income Conservation of Income
4th C
Continuation of Income
Human Life Value- FINANCIAL INVERTER
MONTHLY EXPENSES 10000 * 200 25000 * 200 50000 * 200 100000 * 200
SECURITY DEPOSIT 20,00,000 50,00,000 1,00,00,000 2,00,00,000
RETURN @ 6% p.a. 1,20,000 3,00,000 6,00,000 12,00,000
MONTHLY RETURN 10,000 25,000 50,000 1,00,000

7. 1st option FIXED DEPOSIT 100 % of SECURITY DEPOSIT
2nd option GOLD 100 % of SECURITY DEPOSIT
3rd option ADD ON PROPERTY 100 % of SECURITY DEPOSIT
4th LIC 0.1 % of SECURITY DEPOSIT
Inflation on Day to Day Necessities
Year 1980 2012 Inflation 2022 2032
-----------
Rice Rs.4 Rs.48 7.68% Rs.99 Rs.203
Wheat Rs.2.25 Rs.28 7.89% Rs.60 Rs.128
Wada Pav Rs.0.25 Rs.10 12.22% Rs.32 Rs.100
Masala Dosa Rs.3 Rs.30 7.46% Rs.61 Rs.126
Toothpaste Rs.4 Rs.45 7.75% Rs.92 Rs.194
Happy Retirement LIFE
Chart – historic CPI inflation India (yearly basis) – full term

8. Do Waqt ki ROTI
What will be Total food cost after Retirement for
Couple?
Today,
Actual expenses for Do Waqt ki Roti is Rs. 240/Couple (excluding Delivery
Charge)
Term Food Cost/day for couple
After 10 Years Rs.480
After 20 Years Rs.960
After 30 years Rs.1920

9. After Retirement, a couple survive for next 20 years then actual cost
for DO WAQT KI ROTI, is as follows:
If Retire after 10 Years If Retire after 20 Years If Retire after 30 Years
Cost/da
Year Cost/day Cost/Year y Cost/Year Cost/day Cost/Year
1 480 175200 960 350400 1920 700800
2 513 187245 1027 374855 2054 749856
3 549 200385 1099 401135 2198 802345
4 588 214620 1176 429240 2352 858510
5 629 229585 1258 459170 2517 918605
6 673 245645 1346 491290 2693 982908
7 720 262800 1440 525600 2881 1051712
8 770 281050 1541 562465 3083 1125332
9 824 300760 1649 601885 3299 1204105
10 882 321930 1765 644225 3530 1288392

10. 11 944 344560 1888 689120 3777 1378580
12 1010 368650 2020 737300 4041 1475080
13 1081 394565 2162 789130 4324 1578336
14 1156 421940 2313 844245 4627 1688819
15 1237 451505 2475 903375 4951 1807037
16 1324 483260 2648 966520 5297 1833529
17 1417 517205 2834 1034410 5668 2068876
18 1516 553340 3032 1106680 6065 2213698
19 1622 592030 3244 1184060 6489 2368657
20 1735 633275 3471 1266915 6944 2534462
Total 71,79,550 Total 1,43,62,020 Total 2,86,29,639
But, According to latest survey at the age 60 out of
100 Indian Peoples
1%
are Wealthy
4% Maintain their Standard of Living
32% Still Working
63 % Depend on Children& Charity
Only 5 % people are Financially independent after the age of 60
years
In which category do you want to belong?

11. What is the Secret of these 5% people who are financially
independent at the age 60?
In financial matter, people are either organised or unorganised
Organised people save a definite amount first and spend the
balance.

12. Unorganised people go on spending and save something, if left.
Today’s basic necessities of life
1. Food.
2. Clothing.
3. Shelter.
4. Medicine.
5. Travelling.
6. Tele-communication.
7. Entertainment.
How much will be a monthly family budget after 10, 20 or 30
years to satisfy these basic necessities?

13. Year Family 1 Family 2 Family 3 Family 4
Today Rs.1,00,000 Rs.50,000 Rs.25,000 Rs.10,000
10 Rs.2,00,000 Rs.1,00,000 Rs.50,000 Rs.20,000
20 Rs.4,00,000 Rs.2,00,000 Rs.1,00,000 Rs.40,000
30 Rs.8,00,000 Rs.4,00,000 Rs.2,00,000 Rs.80,000
Reverse Preview
Year Family 1 Family 2 Family 3 Family 4
Today Rs.1,00,000 Rs.50,000 Rs.25,000 Rs.10,000
-10 Rs.50,000 Rs.25,000 Rs.12,000 Rs.5,000
-20 Rs.25,000 Rs.12,000 Rs.6,000 Rs.2,000
-30 Rs.12,000 Rs.6,000 Rs.3,000 Rs.1,000
HAPPY RETIREMENT PLANNING
How much corpus will be required for Retirement Planning?
Family 1 Family 2 Family 3 Family 4
AFTER 10 YEARS 2,00,000 * 200 1,00,000 * 200 50000 * 200 20,000 * 200
Retirement corpus 4 crore 2 crore 1 crore 40 lakhs
Annual pension @ 6 % 24 lakhs 12 lakhs 6 lakhs 2.40 lakhs
Monthly pension 2 lakhs 1 lakhs 50,000 20,000
AFTER 20 YEARS 4,00,000* 200 2,00,000 * 200 1,00,000* 200 40,000* 200

14. Retirement corpus 8 crore 4 crore 2 crore 80 lakhs
Annual pension @ 6 % 48 lakhs 24 lakhs 12 lakhs 4.80 lakhs
Monthly pension 4,00,000 2,00,000 1,00,000 40,000
AFTER 30 YEARS 8,00,000* 200 4,00,000* 200 2,00,000* 200 80,000* 200
Retirement corpus 16 crore 8 crore 4 crore 1.6 crore
Annual pension @ 6 % 96 lakhs 48 lakhs 24 lakhs 9.60 lakhs
Monthly pension 8,00,000 4,00,000 2,00,000 80,000
Best wishes for your
“happy retirement”
Better Future for Child
A child is a source of joy for every parent. You decide to make your child’s Best career but
will your decision be based on wish or money?
Cost of education is rising much FASTER than inflation.
Inflation in Education Expenses
Fee Per Year
1980 2012 Inflation 2022 2027
School Fee Rs. 240 Rs. 48,000 18.29% Rs. 2,50,000 Rs. 5,73,000

15. junior College Rs. 300 Rs. 28,000 15.48% Rs. 1,25,000 Rs. 2,60,000
Govt Engg College Rs. 360 Rs. 1,50,000 20.75% Rs. 9,90,000 Rs. 25,40,000
Govt Medical College Rs. 1200 Rs. 1,80,000 16.91% Rs. 8,50,000 Rs. 18,40,000
MBA Rs. 1200 Rs. 12,00,000 24.20% Rs. 1.07 crore Rs. 2.95 crore
Inflation in GOLD
1980 2012 Inflation 2022 2032
Gold Rs.1330 Rs.31,400 10.24% Rs.83,134 Rs.2,20,580
As a parent you want to be the pillar of strength and support for your child.
Have you saved enough to make your child’s ultimate dream come true?
Make sure that child’s future plans remain undisturbed even when you are around
or not.
Help us to understand your requirements and serve you better.
If you don’t SAVE money If you SAVE money

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