The Uses of Funds schedule needed for a Business Plan and/or Projections and/or Forecasts should be a straightforward, one to two page document completed in Excel. For Business Plans that have multiple phases or expansions that require phased or tiered investment, additional Use of Funds schedules, or a single schedule with columns for Phase I, Phase II, etc., should be utilized. When completing Forecasts, let alone Uses of Funds, it is imperative to structure these documents in one file with multiple worksheets so they can be easily edited to suit the needs and expectations of individual investors or institutions

1. uses of funds

2. Savings Accounts:
Short term –
An example of a very short-term savings account (6 months-one
year), could be a money market mutual fund or income fund.
Midterm –
An example of a mid- term savings account (2- 3 years) could be
an income -equity fund.
Long- term –
An example of long-term (greater than 3 years) could be a growth
or growth and income mutual fund.
Very long-term –
an example of very long term, (five years or more) are growth,
growth and appreciation, growth and income, and international
funds.

3. Retirement accounts:
Retirement accounts are long-term accounts, so examples of
mutual fund types appropriate for these accounts would be growth,
growth appreciation, international, growth and income or a
combination of these funds.
College Plans:
The fund choices will be similar to retirement funds. Many mutual
fund companies have specific college funds. It is best to start saving
for college when your children are babies.
Mutual funds work best when held long term

4. LENDING TO GOVERNMENT
Treasury notes
Short-term discount securities issued by the Commonwealth
Government.
Treasury bonds
Medium- to longer-term securities issued by the commonwealth
government that pay a specified interest coupon stream
State government debt securities
Low risk and low return

5. PERSONAL FINANCE:
•Housing finance
•Mortgage
•Amortized loan
•Investment property
•Fixed-term loan
•Credit card
•Other bank assets (e.g. infrastructure, shares in controlled
entities)

6. COMMERCIAL LENDING:
•
•
•
•
•
•
•
•



Fixed-term loan
A loan with negotiated terms and conditions
Period of the loan
Interest rates
Fixed or variable rates set to a specified
reference rate
Timing of interest payment
Repayment of principal
Your subtopic goes here
Overdraft
Bank bills held
leasing

7. Sources of funds

8. Money Market Scheme:
Money Market Funds are among the safest and most stable.
These funds invest in short term debt instruments
such as Treasury bills and bank deposits.
Income Scheme:
These funds focus on providing investors with a steady stream of
fixed income. They invest in short term and long term debt
instruments like TFCs, government securities like T-bills/ PIBs, or
preference shares.
Aggressive Fixed Income Scheme:
The aim of aggressive income fund is to generate a high return by
investing in fixed income securities while taking exposure in
medium to lower quality of assets also.

9. Asset Allocation Fund:
These Funds may invest its assets in any type of securities at any
time .
Fund of Fund Scheme:
Fund of Funds are those funds, which invest in other mutual
funds.
Shariah Compliant (Islamic) Scheme:
Islamic funds are those funds which invest in Shariah Compliant
securities i.e. shares, Sukuk, Ijara sukuks etc.

10. Index Tracker Scheme:
Index funds invest in securities to mirror a market index, such as
the KSE 100. An index fund buys and sells securities in a manner
that mirrors the composition of the selected index.
Capital Protected Scheme:
In this type of scheme, the payment of original investment is
guaranteed with any further capital gain which may accrue at the
end of the contractual term of the Fund .
Such funds are for a specific period.