1.
PORTFOLIO SUMMARY
Mr. XYZ

2.
About Us
FINSTEM helps individuals and organization create the value they
are looking for by providing a platform for the entire range of
financial services. We offer a complete range of solutions that
includes a combination of best of breed proprietary and non
proprietary(Third Party) products. FINSTEM as an organisation
firmly believes in the tagline "Inspiring with Integrity". We have
maintained the integrity and made sure to be an inspirational
organisation for our employees, clients and channel partners

3.
Mission & Vision
Our Mission
We shall strive to distinguish FINSTEM as an admired and most customer centric
financial services leader, a trusted partner and a provider of innovative financial
solutions for growing and protecting wealth. We at all times shall give our best to
live up the trust and confidence reposed on us by our clients and employees.
Our Vision
To be the most preferred financial institution with the widest distribution network
and a provider of customised financial solutions to become the most trusted and
respected organisation recognized by our clients for delivering excellence

4.
FINSTEM -The Group
Finstem
Financial
Services

5.
INNOVATIVE FINANCIAL PLANNING TOOL
CLIENT INPUT
RISK APPETITE
JUDGED BY RISK
PROFILER
CURRENT
FINANCIAL
SITUATION
ASPIRATION AND
FUTURE GOALS
Current Portfolio
Analysis
Analysis via advisory
tool
Portfolio recommendation and regular
portfolio analysis
1
2
3
4

6.
PORTFOLIO ANANLYSIS

7.
NOTES:
39.7% of the total portfolio is earning only 4% in the savings A/C
14.1 % of the portfolio is not earning any return as kept in Cash
12.0
31.0 32.0
0.0 0.0
66.3
23.5
4.0 0.0
7.2
18.6 19.2
0.0 0.0
39.7
14.1
2.4
0.00.0
20.0
40.0
60.0
80.0
100.0
120.0
Equity Direct Equity Debt Balanced Liquid Savings A/C Cash FD Real Estate
Existing Portfolio
Value Percentage

8.
11.0 11.0
32.0
40.0
20.0
8.8
0.0 4.0
41.0
6.6 6.6
19.2
24.0
12.0
5.2
0.0
2.4
24.6
0.0
10.0
20.0
30.0
40.0
50.0
60.0
70.0
Equity Direct Equity Debt Balanced Liquid Savings A/C Cash FD Real Estate
Recommended Portfolio
Value Percentage
NOTE:
Direct Equity Exposure of 6.6% added to boost the return in the Existing Portfolio
Debt Exposure kept intact
Amount lying in savings A/c at 4% to be shifted in savings a/c fetching 7% return
Cash Exposure to be partially shifted to Liquid Funds to make it return effective.
24.6 % invested in Real Estate fund shall fetch12% guaranteed return

9.
Portfolio (in lacs)
Equity,
12
Direct
Equity,
31
Debt,
32
Savings
at low
ROI,
66.25
Cash,
23.5
Fixed
Deposit
, 4
Existing
Equity
7%
Direct
Equity,
11
Debt
19%
Balance
d
24%
Savings
at high
ROI
5%
Liquid
Fund
12%
Real
Estate
24%
Fixed
Deposit
2%
Recommended

10.
Portfolio (in %age)
Equity
7%
Direct
Equity
7%
Debt
19%
Balance
d
24%Savings
at high
ROI
5%
Liquid
Fund
12%
Real
Estate
24%
Fixed
Deposit
2%
Recommended
Equity
7%
Direct
Equity
19%
Debt
19%
Savings
at low
ROI
39%
Cash
14%
Fixed
Deposit
2%
Existing

11.
Recommendation Sheet
Type Asset Class Risk Category Amount Return
RemarksExiting
Recommen
ded Exiting
Recommen
ded Exiting
Recommend
ed Exiting
Recommen
ded Exiting
Recommen
ded
Savings
Savings
Saving
s savings
Very
Conservative
Very
Conservative
62500
0 625000 4% 7%
Open a bank account in
YES/Kotak/Indusind
Liquid MF
Saving
s liquid
Very
Conservative
Very
Conservative
20000
00 2000000 4% 8%
Funds available for business
expansion
MF
Saving
s Balanced
Very
Conservative Conservative
20000
00 2000000 4% 10% Invest in Balance Fund (MF)
Real Estate
Saving
s Real Estate
Very
Conservative Moderate
20000
00 2000000 4% 12% Savings to RE
MF MF Equity Equity Aggressive Aggressive
11000
00 1100000 .+/- 15% .+/- 15% No Change
FMP FMP Debt Debt Conservative Conservative
32000
00 3200000 8-10% 8-10% No Change
Accenture
Stocks
Direct
Equity Equity Equity Aggressive
Very
Aggressive
11000
00 1100000 .+/- 10% .+/-30% Open a trading/demat account
MF Equity Balanced Aggressive Moderate
20000
00 2000000 .+/- 10% 10% Invest in Balance Fund (MF)
Fixed
Deposit
Fixed
Deposit fixed fixed
Very
Conservative
Very
Conservative
40000
0 400000 8% 8% No Change
Other Liq
Assets Savings Cash savings
Very
Conservative
Very
Conservative
25000
0 250000 0% 7% move the funds to Savings account
Guwahati Real Estate Cash Real Estate
Very
Aggressive Moderate
21000
00 2100000 0% 12%

12.
Effect on Portfolio
Asset Class
Existing Recommended
Amount ROI
1 year expected
return(Taking the
return on the
positive side) Amount ROI
1 year expected
return(Taking the
return on the
positive side)
Savings 6625000 4% 265000 875000 7% 61250
Equity 4200000 .+/- 15% 630000 1100000 .+/- 15% 165000
Direct Equity 0 0 0 1100000 .+/-30% 330000
Debt 3200000 8-10% 288000 3200000 8-10% 288000
Balanced 0 0 0 4000000 10% 400000
FD 400000 8% 32000 400000 8% 32000
Cash 2350000 0 0 0 0 0
Liquid 0 0 0 2000000 8% 160000
Real Estate 0 0 0 4100000 12% 492000
TOTAL 16775000 1215000 16775000 1928250

13.
The Recommendation Impact in %age
0
2
4
6
8
10
12
Existing Recommended
7.24
11.494
Return
Return

14.
Liability Planning
Auto Loan
EMI @
11%
10000
Home
Loan EMI
@ 10.75%
60000
Home
Loan EMI
@ 10.15%
27000
EXISTING RECOMMENDED
NOTE:
Existing 25 Lacs Home Loan and 2 Lac Auto Loan is advised to merge as one home loan of 27
Lacs
This results into net saving of 43000 on the current EMI being paid
2 Lacs
25 Lacs
27 Lacs

15.
Existing vs Recommended Portfolio
0
5
10
15
Existing Recommended
7.24
14.77
Return
Return
NOTE:
43000 saved from the Loan EMI can further be invested in the form of SIP
Considering 10% return per annum on 5.16Lacs(43000*12),the portfolio return
increases by 5.55 Lacs, enhancing the return from 7.24% to 14.77 %

16.
DISCLAIMER:
Finstem India Pvt Ltd makes no representation or warranty, express or implied, with respect to the fairness, correctness,
accuracy, reasonableness, viability for any particular purpose or completeness of the information. Finstem has no obligation to update,
modify or amend this publication or to otherwise notify a reader in the event that any matter stated herein, or any opinion, projection,
forecast or
estimate set forth herein, changes or subsequently becomes inaccurate. This presentation is provided for information purposes only. Any
potential
offering or transaction may be subject to the applicable regulations, acceptable market practices, negotiated terms & conditions reflected
appropriately in legal documentation in final form. In addition, because this presentation is a summary only, it may not contain all
material terms, this
presentation, in and of itself should not form the basis for any investment decision. We are not acting and do not purport to act in any
way as an
advisor or in a fiduciary capacity. We therefore strongly suggest that potential investors seek their own independent advice in relation to
any legal,
tax, accounting or regulatory issues relating to the matters discussed herein. This presentation and the information contained herein is
confidential
and may not be reproduced or distributed in whole or in part without our prior written consent

17.
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