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Sample Comprehensive Personal Financial Plan Created in Excel based Personal Financial Planning Software - XLFinplan

The document is a comprehensive personal financial planning report for Samir Patel and his family, prepared by Satish Mistry of XL Finplan. It includes an analysis of their personal finances, investment strategies, risk protection assessments, and detailed goal prioritization to guide their financial objectives effectively. Key elements covered are cash flow analysis, insurance evaluation, and recommended investment portfolios to meet future financial needs.

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Strictly Private & Confidential Comprehensive Personal Financial Planning Report of Samir Patel & Family Prepared by : Satish Mistry ( Associate Financial Planner ) XL Finplan 2nd Floor, Washwell Chambers, Near Library Sayaji Road, Opp. Hotel Sauras, Navsari, Gujarat, Mobile No.: 91-9725006862, E-mail : satish@xlfinplan.com Website : www.xlfinplan.com
Investments Estate Plan Scope of Personal Financial Plan / Financial Objective :: Based on the information's, we have obtained from you in quantitative or qualitative manner, we have analysed the same. This financial plan may provide guidance on your financial objectives as you have mentioned during our conversation. The scope of financial plan is as follows : Risk Protection Assessment of emergency funds need through short term cash flow. Cash Flow Analysis Analysis of your current Income -Expense structure and certain assumption of rise-fall in income & expenses, assessment of future situation of 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 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 seek adequate Health Insurance including analysis of current General Insurance Policies you have. 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 assessing the financial impact upon death and the disposition.
Goal Priority Present Cost of Goal OR Target Goal Amount Age at Goal Start Fund to be required in Period OR Year Fund to be required for No. of Years % wise Amt. wise Child Age 0 0 0% 0 High 25000 10% 12 2014 - To - 2016 3 High 65000 10% 15 2017 - To - 2020 4 High 100000 10% 19 2021 - To - 2023 3 High 150000 10% 22 2024 - To - 2026 3 0 0 0% 0 High 600000 6% 25 2027 1 0 0 0% 0 High 25000 10% 12 2014 - To - 2016 3 High 65000 10% 15 2017 - To - 2020 4 High 100000 10% 19 2021 - To - 2023 3 High 150000 10% 22 2024 - To - 2026 3 High 2000000 5% 25 2030 1 High 600000 6% 25 2027 1 Your Age High 4000000 6% 48 2018 1 Medium 950000 8% 50 2020 1 High 50000 8% 52 2022 1 High 60000 8% 55 2025 1 0 0 0% 0 0 0 0% 0 Optional 5000000 6% 62 2032 1 Optional 5000000 0% 67 2037 1 Medium 25000 6% 50 2020 - To - 2032 Every 3 Year 0 50000 6% 62 2032 - To - 2050 Every 3 Year 0 0 0% 0 Your Age High 6984881 60 2030 1 High 100000 10% 60 2030 1 High 10000000 5% 60 2030 1 Low 50000 6% 60 2030 1 Optional 100000 6% 60 2030 1 Inflation Effect - Present Goal Amount will rise @Rate Retirement Planning Fund for - For Donation Financial Goal Particulars ChildFuturePlanning Fund for - For Tour - Yatra Fund for - Dream - Long Tour Planning For-Ankita Patel Planning For-Nikunj Patel Fund for - Pre-Primary & Primary Education Fund for - Funds to be required to provide regular expenses from Retirement year onwards. Fund for - For Medical Exp. Fund for - Lumpsum Need Fund for - Pre-Primary & Primary Education Retirement Corpus & Provision Fund for - Marriage Expenses Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Fund for - For start in life Fund for - Dream - Create Wealth Fund for - Dream - Domestic Tour Fund for - Need - Buying a New House Fund for - Need - New Motor Car Fund for - Need - New Activa Scooter for Ankita Fund for - Need - New Motor Bike Fund for - Marriage Expenses Fund for - Post Graduation & Master Degree Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education FutureFinancialGoal Fund for - Dream - Buying A Farm House Future Need Future Dream
Res.: Cell : State : Country: State : Country: Age : 43 No 60 No 80 Yes Age : 38 60 80 Age 43 38 70 64 11 8 0 0 0 0000 0 00 Female Male Ankita Patel 0 Average 0 Doing Job Very Good 15/01/1970Self Daughter Son Savitaben Patel 16/05/1942 24/10/1948Mother Male Father Nikunj Patel Retired Above Average Studying 25/03/2001 18/09/2004Studying Very Good Retired Samir Patel Ekta Patel Chhotubhai Patel Male Female SuratWorking Field : Medical / Pharma Location / City : Have you a habits of Smoking? Retirement Planned at Age-Years Have you a habits of chewing Gutkha? Life Expectancy : Years Have you a habits of drinking alcohol? Birth Date : 15/01/1970 XYZ Pharma Co. Gujarat India If in Job, Started Year 1995 Residential Status : Own E-mail : samir@xlfinplan.com Location / City : Surat Sex Male Gujarat India 93, Ashirwad, Marital Status : Married Residential Address : Education : M.Sc. Current Status Health Status Family / Dependant Information Birth Date : Retirement Planned at Age-Years Life Expectancy : YearsSelf Employed 12/08/1974 If in Job, Started Year 2000 Working Status: Working IfWorking, GiveDetails Working Field : Financial Services Education : B.Com. Organisation : ABC Financial Co. Job / Business? Date of BirthName Sex Relationship Personal & Family Information Name : Samir Patel Office Address : Contact No.: 0261-2324560 123, M. G. Road, 9879865432 0 Personal&FamilyInformation Female Spouse / Wife Working Very Good 12/08/1974 Very Good Organisation : Job / Business? Doing Job Near Parle Point Spouse Information Name : Ekta Patel
Particulars Amount Rs. Particulars Outflow 613843 60% Personal Income 613843 Personal Expenses 40200 221859 22% Spouse Income 221859 Housing Expenses 156500 180000 18% Other Income 186000 Food Expenses 82600 0 Living Expenses 98100 0 Health Expenses 52500 0 Entertainment Expenses 61050 0 Loan Repayment 182400 6000 6000 Investment Outflow 321386 1021702 Outflow % Cumulative Outflow % Surplus Ratio% 40200 8% 156500 32% 82600 17% 98100 20% 52500 11% 61050 12% 490950 530752 52% 182400 18% 673350 66% 348352 34% 321386 31% 994736 97% 26966 3% Total Outflow : Food Expenses Living Expenses Regular Payment towards Loan EMI / Interest Payment Surplus & Investments Net Outflow (After Investment Commitment) : Regular Investment Commitment from Surplus Amount : Basic Surplus : ( Total Income - Total Expenses) Net Total Income : ( Amount Rs.: ) RegularExpenses Basic Surplus & Loan Repayment RegularIncome Yearly Amount Rs. Total Expenses : ( Amount Rs.: ) 1% 1021702 Current Expenses : Health Expenses Entertainment Expenses As per Annexure of Detailed Expenses Sheet Personal Expenses Housing Expenses 48% House Rent Income Other Income Interest Income from Advances / Loan Given Other Income Other Income % of Total Income Agriculture Income etc. Particulars Present Situation, Findings & Analysis Present : Cash Inflow -Outflow Analysis Present Cash Flow Situation : Personal Income / Business Income OR Salary Income Spouse Income / Business Income OR Salary Income Current Income : Net Surplus available for Investments : Net Balance ( + / - ) - C/F to Cash Account : 60% 22% 18% Inflow Personal Income Spouse Income Other Income Personal Expenses 4% Housing Expenses 16% Food Expenses 8% Living Expenses 10% Health Expenses 5% Entertainm ent Expenses 6% Loan Repayment 19% Investment Outflow 32% Outflow 0 100000 200000 300000 400000 500000 600000 700000 2013 2015 2017 2019 2021 2023 2025 2027 2029 Basic Surplus : ( Total Income - Total Expenses)
2500000 5% 0% Yes Yes Yes 200924 2299076 2500000 5% 0% 0 0 0 0 2500000 0 5% 0% 0 0 0 0 0 125000 0% 0% No No No 0 125000 200000 0% 0% No No No 0 200000 0 0% 0% 0 0 0 0 0 160000 0% 10% Yes Yes Yes 45127 114873 0 0% 0% 0 0 0 0 0 35000 0% 10% Yes No No 27823 7177 12000 0% 10% No Yes Yes 0 12000 0 0% 0% 0 0 0 0 0 400000 7% 0 No Yes 400000 0 5% 0% 0 0 0 0 0 0 5% 0% 0 0 0 0 0 0 5% 0% 0 0 0 0 0 0 5% 0% 0 0 0 0 0 1000000 5% 0% 0 0 Yes 0 1000000 0 5% 0% 0 0 0 0 0 200000 7% 0% 0 Yes 200000 0 7% 0% 0 0 0 0 7% 0% 0 0 0 7132000 273874 6858126 5000000 200924 4799076 932000 72950 859050 5932000 273874 5658126 1000000 0 1000000 200000 0 200000 1200000 0 1200000 7132000 273874 6858126 Movable Properties Assetsworth& Liabilities Fixed Assets : : Grand Total Rs.:: Immovable Properties Outstanding Loan Amount Rs. Appreciation (%) Depreciation (%) Assets owner? Wants to use for goal funding? Assets bought on Loan? Under Lien? Residential Building / Flat 0 Investment Purpose only Commercial Land 0 Home Contents / Appliances Home Contents / Appliances Shop / Office Premises Two Wheelers Four Wheelers Four Wheelers 0 0 0 Any Others Appreciation (%) Holiday Home / Farm House Gold / Silver / Ornaments Immovable Properties Agriculture Land Personal Purpose only Gold / Silver / Ornaments Total Amount Rs.: 0 0 Movable Properties Immovable Properties 0 0 FixedAssets- ForPersonal/Familyuse Depreciation (%) Two Wheelers Jewellery / Gold Ornaments 0 0 0Two Wheelers 0 Fixed Assets ( Investments Purpose Only ) 0 0 0 Agriculture Land 0 0 Fixed Assets - (Personal / Family Use ) Immovable Properties Additional Residence / Flat 0 0 Shop / Office Premises Movable Properties Assets ( Personal & Investments ) Movable Properties 0 Furniture / Fixtures / Paintings Total Amount Rs.: Gold / Silver / Ornaments Summary : Assets Worth, as of today? Current Value of Assets Rs. FixedAssets- InvestmentPurpose Total Amount Rs.:
Asset Type Investment Current Value Future Investment Commitment Future Income from Investment Surrender Value / Cash Value Fixed OR Estimated Return (%) Current Allocation (%) Weighted Average Rate of Return (%) Cash 95,530 95,530 4.00% 90,000 85,500 8.00% 95,900 93,982 6.00% - 281,430 - - 275,012 3.93% 5.96% Debt 85,000 94,006 - - 84,605 9.69% - - - - - 0.00% 350,000 353,171 - 69,333 317,854 9.79% 435,000 447,177 - 69,333 402,460 6.24% 9.77% Debt 88,000 107,494 32,000 - 96,745 7.95% 500,000 500,000 - 123,750 450,000 9.00% 300,000 300,000 - 77,900 270,000 8.20% 75,000 109,585 - - 98,627 8.41% 150,000 165,798 - - 149,218 8.58% 40,000 47,646 - - 42,881 8.24% 1,153,000 1,230,523 32,000 201,650 1,107,471 17.18% 8.57% Equity - 46,200 - - 34,650 18.00% 0.65% 18.00% Equity - 956,418 3,264,000 - 860,776 15.00% - 87,110 - - 78,399 15.00% - - - - - 15.00% - 20,937 - - 18,843 15.00% Hybrid - 299,773 1,980,000 - 269,795 12.55% - - - - - 10.00% - - - - - 9.40% Debt - - - - - 8.00% - 1,364,237 5,244,000 - 1,227,814 19.05% 14.46% Gold - - - - - 8.00% 200,000 180,000 7.00% - 200,000 - - 180,000 2.79% 7.00% Properties 1,000,000 800,000 5.0% 13.96% 5.00% Debt 155,000 2,396,565 - 8.50% 125,000 174,000 - - - 8.00% 125,000 329,000 2,396,565 - - 4.59% 8.24% Senior Citizen Savings Scheme Real Estate & Other Properties Gold / Silver- ( Coins / Bars / Ornaments) Properties Investment Post Office Scheme Public Provident Fund Stock Market Debt -Short Term, Income & G. Sec. Kisan Vikas Patra National Savings Certificates Post Office - Time Deposits Retirement Fund Retirement A/c. - Contribution (EPF / EPS) Retirement Fund Real Estate Gold / Silver ( ETF / Coins / Bars ) Debt -Liquid Bank FDR Cash & Equivelant Fixed Return Schemes Bank & Company FDR / NCD's Post Office Schemes Direct Equity Mutual Fund Investments Hybrid Fund - MIP Bank Fixed Deposit : < 1 Year Asset Category Scheme Category Mutual Funds Cash Account + Savings A/c. BalanceCash Account Hybrid Fund - Balanced Equity - Thematic & Others Bank FDR Post Office Monthly Income Scheme Equity - Sectoral Post Office Scheme Bonds & NCD's Post Office Recurring Deposit Scheme Direct Equity Equity - Diversified Equity - Diversified -ELSS Mutual Funds Bonds / NCD's & Co. FD's Bank Fixed Deposits > 1 Year Company FD's Hybrid Fund - Asset Allocation/Others Mutual Funds Gold Funds / ETF
Asset Type Investment Current Value Future Investment Commitment Future Income from Investment Surrender Value / Cash Value IRR (%) Debt 155,000 206,700 - 37,500 152,280 3.93% - - - - - 0.00% 797,863 1,554,863 668,236 620,000 663,565 5.15% 198,000 360,000 22,000 - 288,032 5.16% 1,150,863 2,121,563 690,236 657,500 1,103,877 29.62% 5.04% Equity 60,000 62,000 - - 58,000 8.28% 150,000 80,000 350,000 - 80,000 7.81% - - - - - 0.00% - - - - - 0.00% 210,000 142,000 350,000 - 138,000 1.98% 8.01% 7,162,131 8,712,801 928,483 5,269,284 100.00% 8.11% Planner'sNote Unit Linked Life Insurance / Pension Plan Single Prem.-Unit Linked Pension Plan Reg. Prem. -Traditional Life Insurance Plan Reg. Prem.-Traditional Pension Plan Single Prem.-Unit Linked Insurance Plan Reg. Prem.-Unit Linked Insurance Plan Your Investment Portfolio is growing @pre-tax return (Weighted Average Return) Single Prem.-Traditional Pension Plan Scheme Category Reg. Prem.-Unit Linked Pension Plan Life Insurance Life Insurance Single Prem.-Traditional Life Ins.Plan Investments Asset Category Traditional Life Insurance / Pension Plan
Current Asset Allocation Analysis : Cash Debt Equity Gold Properties Current Value 281430 4233184 1447517 200000 1000000 Surrender Value 275012 2708237 1306035 180000 800000 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 Cash 4% Debt 59% Equity 20% Gold 3% Properties 14% Cash Debt Equity Gold Properties Cash Account Bank FDR Mutual Funds Stock Market Bonds / NCD's & Co. FD's Post Office Scheme Life Insuranc e Physical Gold / Funds / ETF Properti es Investm ent Retirem ent Fund Current Value 95530 184006 1460138 46200 353171 1404523 2263563 200000 1000000 155000 Surrender Value 95530 170105 1321796 34650 317854 1107471 1241877 180000 800000 0 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 Cash Account 1% Bank FDR 2% Mutual Funds 20% Stock Market 1% Bonds / NCD's & Co. FD's 5% Post Office Scheme 20% Life Insurance 32% Physical Gold / Funds / ETF 3% Properties Investment 14% Retirement Fund 2% Cash Account Bank FDR Mutual Funds Stock Market Bonds / NCD's & Co. FD's Post Office Scheme Life Insurance Physical Gold / Funds / ETF Properties Investment Retirement Fund
Basic Sum Assured Paid Up Value of Policy Pension Plan Value Rs. 15% 12% 9% Traditional Plan Samir Patel Ekta Patel Others 4791102 5780940 7126961 150,000 - - 206,700 - - 2043211 2559091 3311512 - - - 1,200,000 1,468,500 240,000 288,500 1,399,417 - - 342,000 200,000 1,350,000 1,468,500 240,000 495,200 1,741,417 200,000 Unit Linked Plan 75,000 - 75,000 - - - 500,000 500,000 - - 334,180 - - - - - - - 575,000 500,000 75,000 - 334,180 - 500,000 500,000 - - - - - - - - - - 500,000 500,000 - - 11,228,375 13,696,527 17,113,715 2,425,000 2,468,500 315,000 495,200 2,075,597 200,000 Less : 7,480,191 9,248,496 11,713,140 @Return : 15% @Return : 12% @Return : 9% Less : As per Income replacement 4791102 5780940 7126961 As per Expenses replacement 4632898 5705805 7189396 As per Need Analysis 11228375 13696527 17113715 Shortfall (If any) - As per Need Analysis-195228 -1963532 -4428176 7,284,964 7,284,964 7,284,964 195,228 1,963,532 4,428,176 For - Samir Patel For - Ekta Patel Available life cover shield through Investments & Life Insurance 1. As per Income Replacement Concept Required Life Insurance Cover as of today : 2. As per Expense Replacement Concept Present - Life Insurance Coverage - Details & Analysis Existing Life Insurance Cover Details : 4632898 5705805 7189396 Present Death Benefit Value Rs. Reg. Prem.-Pension Plan Scheme Type Single Prem.-Life Insurance Reg. Prem.-Life Insurance Single Prem.-Pension Plan Reg. Prem.-Pension Plan Pure Life Cover Term Plan Total Amount Rs. Future Rate of Return in case of Death Claim occurs as of today : 3848689 4469401 3748183 4448031 949249 949249 3. As Per Need Analysis All Future Need for Child 2316162 3192784 4505670 Available Resources Current Year / Immediate Exp. & Need + O/s. Liabilities 949249 Future Family Expenses ( As above) 4632898 5705805 7189396 4816464 All Other Future Need for Family 3330066 2468500 2468500 2468500 Shortfall of Life Insurance Coverage (if any) Required Net Life Insurance Cover Required Total Life Insurance @various scenario Present Value of Spouse / Other Income in Future Surrender Value of All Investments 4816464 4816464 Existing Death Benefit Coverage - through Life Insurance Single Prem.-Life Insurance Single Prem.-Pension Plan Reg. Prem.-Life Insurance 5400576 @Return : 15% @Return : 12% @Return : 9% As per Income replacement 4791102 5780940 7126961 As per Expenses replacement 4632898 5705805 7189396 As per Need Analysis 11228375 13696527 17113715 Shortfall (If any) - As per Need Analysis -195228 -1963532 -4428176 -10000000 -5000000 0 5000000 10000000 15000000 20000000 Life Insurance Need @various concept & scenario
Sr_No. Outstanding Loan Balance Rs. Outstanding Period in Months Interest rate today onwards EMI Amount Rs. Outstanding - Interest Amount to be paid Outstanding - Total Amount to be paid 1 200,924 48 9.00% 5,000 39,076 240,000 2 45,127 24 29.00% 2,500 14,873 60,000 3 27,823 30 21.00% 1,200 8,177 36,000 4 74,483 22 18.00% 4,000 13,517 88,000 5 56,817 28 18.00% 2,500 13,183 70,000 6 40,000 0 0.00% 0 0 0 7 0 0 0.00% 0 0 0 8 0 0 0.00% 0 0 0 9 0 0 0.00% 0 0 0 10 0 0 0.00% 0 0 0 11 0 0 0.00% 0 0 0 12 0 0 0.00% 0 0 0 13 0 0 0.00% 0 0 0 14 0 0 0.00% 0 0 0 15 0 0 0.00% 0 0 0 445,174 15,200 88,826 494,000 Four Wheelers Two Wheelers 0 0 Personal Assets 0 For Expenses / Other Need 0 0 0 0 0 0 Loan from Friend's / Relatives 0 0 0 0 0 0 For Expenses / Other NeedCredit Card Outstanding's Credit Card Outstanding's For Expenses / Other Need Residential Building / Flat Assets Name Loan for? Personal Assets Personal Assets Present - Outstanding Loan Liabilities Details : 0 0 0 0% 5% 10% 15% 20% 25% 30% 2012 2014 2015 2016 2017 2018 Loan Ratio - for Continue Existing Loan Loan Ratio - with Self Earning Loan Ratio - with Total Income 0% 5% 10% 15% 20% 25% 30% 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 Loan Ratio - Continue Existing Loan with Planned Future Loan Loan Ratio - with Self Earning Loan Ratio - with Total Income
Current Valuation Rs. Immediate Liquidation Value Rs. Outstanding Loan Amt. Rs. 5932000 4745600 273874 5932000 4745600 0 Current Valuation Rs. Surrender Valuation Rs. 273874 281430 275012 447177 402460 1230523 1107471 46200 34650 1364237 1227814 200000 180000 1000000 800000 329000 0 2121563 1103877 142000 138000 7162131 5269284 75000 75000 Less : 445174 445174 12723957 9644710 Particulars Current Value Rs.:Surrender Value Rs.: Particulars Current Value Rs.:Surrender Value Rs.: Assets 13169131 10089884 Assets 13169131 10089884 Liabilities 445174 445174 Liabilities 445174 445174 Net Worth 12723957 9644710 Fixed Assets Total : Financial Investments :: Rs.: Traditional Life Insurance / Pension Plan Advances to Friends / Relatives / Others Present Net Worh :: Amount Rs.: For Fixed Assets : Personal Purpose For Investment Purpose : Real Estate / Properties ( Indluding Immovable & Movable Properties) Outstanding Loan Amt. Rs. ( Land / Building /Flats /Vehicles/Home contents Etc.) Outstanding Loan Liabilities Post Office Schemes ( Excluding - PPF A/c.) Direct Equity Mutual Fund -( Excluding - Liquid Fund/Gold ETF) Gold / Silver ( ETF / Coins / Bars ) Real Estate Grand Total :: Assets :: Amount Rs.: 13169131 10089884 Loan Payment - EMI Mode - ( Personal Loan + Credit Card ) Financial Investments Outstanding Loan : On Fixed Assets -Rs.: Net Worth Statement Total : Fixed Assets :: Rs.: For Personal & Family use NetWorthStatementNetWorthStatementNetWorthStatementNetWorthStatement Outstanding Loan : (For Expenses & Other Need) -Rs.: Liabilities Loan from relatives / friends - Regular / Cum. Interest Payment Liabilities for Expenses type Loan Assets Loan Payment Liabilities Cash & Equivelant Bank & Company FDR / NCD's Retirement Fund - ( EPS / EPS / PPF) Unit Linked Life Insurance / Pension Plan 40000 Grand Total : Liabilities :: Amount :: Rs.: 445174 171300 131300 Assets Liabilities Net Worth Current Value Rs.: 13169131 445174 12723957 Surrender Value Rs.: 10089884 445174 9644710 0 2000000 4000000 6000000 8000000 10000000 12000000 14000000 Net Worth Analysis : Current Value Rs.: Surrender Value Rs.: Liabilities 445174 445174 Assets 13169131 10089884 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Assets - Liabilities -(% wise)
Current Value 7162131 835702 8.57 Your Savings /Investments are 8.57 times of your Annual Income -(Self + Spouse Income) 1015702 7.05 Your Savings /Investments are 7.05 times of your Total Annual Income Current Value 445174 835702 0.53 Your Debt to Income Ratio is 0.53 with your Annual Income -(Self + Spouse Income) 1015702 0.44 Your Debt to Income Ratio is 0.44 with your Total Annual Income. Current Value 321386 835702 0.38 Your Savings Rate Ratio is 38% with your Annual Income -(Self + Spouse Income) 1015702 0.32 Your Savings Rate Ratio is 32% with your Total Annual Income Planner's Note : Planner's Note : Planner's Note : Self +Spouse Income Rs. Total Income (Excl. Interest / Div. Income) Rs. ( EPF Contribution (if any) + Regular Investment Commitment) Current Value of your O/s. Payment Liabilities Your Annual Income Self +Spouse Income Rs. Total Income (Excl. Interest / Div. Income) Rs. (Current Investment Value / Current Income) (Current Financial Obligation OR Liabilities / Annual Income) Savings Rate to Income Ratio : Total Annual Savings / Investment Commitment Rs. Your Annual Income is Method / Formula to arrive ratio :Savings to Income Ratio : Current Value of your Savings / Investments is Rs. Your Annual Income Self +Spouse Income Rs. Total Income (Excl. Interest / Div. Income) Rs. Debt to Income Ratio : Method / Formula to arrive ratio : Method / Formula to arrive ratio : (Total Annual Savings / Investment Commitment / Annual Income)
Current Value 281430 Monthly Amt. 490950 40913 182400 15200 56113 5.02 Current Value 5269284 Monthly Amt. 490950 40913 182400 15200 56113 93.91 Planner's Note : Planner's Note : Expanded Liquidity Ratio : Method / Formula to arrive ratio : (Surrender Value of Investments / Monthly Outflow of Expenses & Loan EMI ) Surrender / Liquidity -Value of Investments -Rs. Your Annual Outflow Yearly Expenses Amount Rs. Total Annual Payment of EMI + Interest Your have 93.91 months of provision to sustain living standard, if unable to earn on regular basis. Your have 5.02 months of instant liquid balance to sustain routine expenses. Basic Liquidity Ratio : Method / Formula to arrive ratio : (Total Liquid Assets / Monthly Outflow of Expenses & Loan EMI ) Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) Your Annual Outflow Total Annual Payment of EMI + Interest Yearly Expenses Amount Rs.
Current Value 281430 445174 0.63 Current Value 5269284 445174 11.84 Current Value 7829529 Your Annual Income - Rs. 613843 12.75 Planner's Note : Planner's Note : Planner's Note : Life Insurance Coverage Ratio : Liquid Assets Coverage Ratio : Method / Formula to arrive ratio : (Cur. value of Investment - liabilities + Death Benefit by Life Ins./ Annual Income ) Your Assets + Death Benefit is covering your annual income is 12.75 times. Value of Investments (Excl.- LI Policy) - Liabilies + Death Benefit of Life Ins. Policy Solvency Ratio : Method / Formula to arrive ratio : (Surrender Value of Investments / Total O/s. Liabilities ) Surrender / Liquidity -Value of Investments -Rs. Your Assets is 11.84 times of debt available to repay your debt. Total Debt / O/s. Liabilities Method / Formula to arrive ratio : ( Total Liquid Assets / Total Debt ) Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) Your Liquid Assets Coverage Ratio is 0.63 Total Debt / O/s. Liabilities
Sr. No. Year Samir Patel Ekta Patel Self Income Spouse Income Agriculture Income (if any) Other Income Total Cash Income Total Expenses Surplus (Basic Cash Flow) Total Loan Repayment Amount Rs. Net Surplus for Savings / Investment Regular Investment Commitme nt (Outflow) Net Balance ( + / - ) @Each Year Ended 0 2013 43 38 613843 221859 180000 6000 1021702 490950 530752 182400 348352 321386 26966 1 2014 44 39 630472 231883 189000 6000 1057355 530128 527227 182400 344827 327386 17441 2 2015 45 40 659635 242058 198450 56000 1156143 572510 583633 139776 443857 319086 124771 3 2016 46 41 684401 253699 208373 0 1146472 618363 528108 60000 468108 337086 131022 4 2017 47 42 709417 266959 218791 39338 1234505 667980 566525 10000 556525 355086 201439 5 2018 48 43 737042 279222 229731 0 1245995 721677 524318 0 524318 373086 151232 6 2019 49 44 765433 292097 241217 0 1298747 779798 518949 0 518949 342332 176617 7 2020 50 45 794647 305628 253278 0 1353553 842716 510837 0 510837 354332 156505 8 2021 51 46 824982 319820 265942 0 1410744 910836 499908 0 499908 366332 133576 9 2022 52 47 856846 334732 279239 0 1470817 984601 486216 0 486216 378332 107884 10 2023 53 48 972688 366501 293201 0 1632391 1064488 567902 0 567902 390332 177570 11 2024 54 49 1007817 384826 307861 0 1700504 1151020 549485 0 549485 396332 153153 12 2025 55 50 1044693 404068 323254 0 1772014 1244760 527254 0 527254 402332 124922 13 2026 56 51 1084330 424271 339417 0 1848018 1346326 501692 0 501692 408332 93360 14 2027 57 52 1126276 445485 356388 0 1928148 1456386 471762 0 471762 389332 82430 15 2028 58 53 1170311 467759 374207 0 2012277 1575668 436609 0 436609 389332 47277 16 2029 59 54 1216551 491147 392917 0 2100616 1704963 395653 0 395653 365593 30060 17 2030 60 55 1265100 514087 412563 0 2191750 1845132 346618 0 346618 360000 -13382 18 2031 61 56 0 537215 0 0 537215 0 537215 0 537215 0 537215 19 2032 62 57 0 561498 0 0 561498 0 561498 0 561498 0 561498 20 2033 63 58 0 587001 0 0 587001 0 587001 0 587001 0 587001 21 2034 64 59 0 613781 0 0 613781 0 613781 0 613781 0 613781 22 2035 65 60 0 641889 0 0 641889 0 641889 0 641889 0 641889 23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 24 2037 67 62 0 0 0 0 0 0 0 0 0 0 0 25 2038 68 63 0 0 0 0 0 0 0 0 0 0 0 26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 28 2041 71 66 0 0 0 0 0 0 0 0 0 0 0 29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 31 2044 74 69 0 0 0 0 0 0 0 0 0 0 0 32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 34 2047 77 72 0 0 0 0 0 0 0 0 0 0 0 35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 Cash - Inflow & Outflow - Statement with Annexures Age : -500000 0 500000 1000000 1500000 2000000 2500000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash : Net Total Income : ( Amount Rs.: ) -100000 0 100000 200000 300000 400000 500000 600000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Regular Investments : Balance C/F to Cash : Net Surplus available for Investments :
Sr. No. Year Samir Patel Ekta Patel Personal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainm ent Expenses Total Expenses 0 2013 43 38 40200 156500 82600 98100 52500 61050 490950 1 2014 44 39 42612 167455 89208 105948 57750 67155 530128 2 2015 45 40 45169 179177 96345 114424 63525 73871 572510 3 2016 46 41 47879 191719 104052 123578 69878 81258 618363 4 2017 47 42 50752 205140 112376 133464 76865 89383 667980 5 2018 48 43 53797 219499 121366 144141 84552 98322 721677 6 2019 49 44 57024 234864 131076 155672 93007 108154 779798 7 2020 50 45 60446 251305 141562 168126 102308 118969 842716 8 2021 51 46 64073 268896 152887 181576 112538 130866 910836 9 2022 52 47 67917 287719 165118 196102 123792 143953 984601 10 2023 53 48 71992 307859 178327 211791 136171 158348 1064488 11 2024 54 49 76312 329409 192593 228734 149789 174183 1151020 12 2025 55 50 80890 352468 208001 247032 164767 191601 1244760 13 2026 56 51 85744 377141 224641 266795 181244 210761 1346326 14 2027 57 52 90888 403541 242612 288139 199369 231837 1456386 15 2028 58 53 96342 431788 262021 311190 219306 255021 1575668 16 2029 59 54 102122 462014 282983 336085 241236 280523 1704963 17 2030 60 55 108249 494355 305621 362972 265360 308575 1845132 18 2031 61 56 0 0 0 0 0 0 0 19 2032 62 57 0 0 0 0 0 0 0 20 2033 63 58 0 0 0 0 0 0 0 21 2034 64 59 0 0 0 0 0 0 0 22 2035 65 60 0 0 0 0 0 0 0 23 2036 66 61 0 0 0 0 0 0 0 24 2037 67 62 0 0 0 0 0 0 0 25 2038 68 63 0 0 0 0 0 0 0 26 2039 69 64 0 0 0 0 0 0 0 27 2040 70 65 0 0 0 0 0 0 0 28 2041 71 66 0 0 0 0 0 0 0 29 2042 72 67 0 0 0 0 0 0 0 30 2043 73 68 0 0 0 0 0 0 0 31 2044 74 69 0 0 0 0 0 0 0 32 2045 75 70 0 0 0 0 0 0 0 33 2046 76 71 0 0 0 0 0 0 0 34 2047 77 72 0 0 0 0 0 0 0 35 2048 78 73 0 0 0 0 0 0 0 36 2049 79 74 0 0 0 0 0 0 0 37 2050 80 75 0 0 0 0 0 0 0 38 2051 81 76 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 Age : 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Breakup of Expenses Personal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses -20% 0% 20% 40% 60% 80% 100% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Breakup of Outflow Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash :
@ Future Int. Rate (%) 9% Present Cost of Goal OR Target Goal Amount Fund to be required in Period OR Year Fund to be required for No. of Years Wants to Protect Need & Provide Life Cover Yes /No. Sr. Year Your Age Spouse Age Life Insurance to be required / Opening Balance Family Expenses Outstanding Loan Liabilities To cover future expenses : Planning For- Ankita Patel To cover future expenses : Planning For- Nikunj Patel Current & Future Financial Needs for Family Spouse Income (Subject to Life Ins.Cover ) Other Income % wise Amt. wise 15% 12% 9% 1 2013 43 38 11713140 394075 445174 110000 203370 165000 580879 1001904 12134165 156500 7% 0 2014 - to - 2030 17 Yes 2 2014 44 39 12134165 487516 27500 27500 0 231883 195000 115633 1081668 13100199 82600 8% 0 2014 - to - 2030 17 Yes 3 2015 45 40 13100199 527341 30250 30250 0 242058 254450 91333 1170798 14179664 98100 8% 0 2014 - to - 2030 17 Yes 4 2016 46 41 14179664 570484 33275 33275 0 253699 208373 174963 1260423 15265124 52500 10% 0 2014 - to - 2030 17 Yes 5 2017 47 42 15265124 617228 95167 36603 0 266959 258129 223910 1353709 16394924 61050 10% 0 2014 - to - 2030 17 Yes 6 2018 48 43 16394924 667880 104683 40263 5352902 279222 229731 5656776 966433 11704581 % wise Amt. wise 7 2019 49 44 11704581 722773 115151 44289 0 292097 241217 348899 1022011 12377693 0 0% Yes 8 2020 50 45 12377693 782270 126667 126667 1628133 305628 253278 2104830 924558 11197421 25000 10% 2014 - To - 2016 3 Yes 9 2021 51 46 11197421 846764 214359 139333 0 319820 265942 614694 952445 11535173 65000 10% 2017 - To - 2020 4 Yes 10 2022 52 47 11535173 916684 235795 153267 99950 334732 279239 791725 966910 11710358 100000 10% 2021 - To - 2023 3 Yes 11 2023 53 48 11710358 992496 259374 168593 0 366501 293201 760762 985464 11935060 150000 10% 2024 - To - 2026 3 Yes 12 2024 54 49 11935060 1074708 427968 427968 0 384826 307861 1237955 962739 11659844 0 0% Yes 13 2025 55 50 11659844 1163870 470764 470764 151090 404068 323254 1529167 911761 11042439 600000 6% 2027 1 Yes 14 2026 56 51 11042439 1260582 517841 517841 0 424271 339417 1532576 855888 10365751 0 0% Yes 15 2027 57 52 10365751 1365497 1356542 759500 0 445485 356388 2679667 691748 8377831 25000 10% 2014 - To - 2016 3 Yes 16 2028 58 53 8377831 1479326 0 835450 0 467759 374207 1472810 621452 7526473 65000 10% 2017 - To - 2020 4 Yes 17 2029 59 54 7526473 1602841 0 918995 0 491147 392917 1637771 529983 6418686 100000 10% 2021 - To - 2023 3 Yes 18 2030 60 55 6418686 1736883 0 4584037 0 514087 412563 5394269 92197 1116614 150000 10% 2024 - To - 2026 3 Yes 19 2031 61 56 1116614 0 0 0 0 0 0 0 100495 1217109 Yes 20 2032 62 57 1217109 0 0 0 0 0 0 0 109540 1326649 600000 6% 2027 1 Yes 21 2033 63 58 1326649 0 0 1326649 0 0 0 1326649 0 0 22 2034 64 59 0 0 0 0 0 0 0 0 0 0 4000000 6% 2018 1 Yes 23 2035 65 60 0 0 0 0 0 0 0 0 0 0 950000 8% 2020 1 Yes 24 2036 66 61 0 0 0 0 0 0 0 0 0 0 50000 8% 2022 1 Yes 25 2037 67 62 0 0 0 0 0 0 0 0 0 0 60000 8% 2025 1 Yes 26 2038 68 63 0 0 0 0 0 0 0 0 0 0 0 0% Yes 27 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0% Yes 28 2040 70 65 0 0 0 0 0 0 0 0 0 0 10279126 12747278 16164467 29 2041 71 66 0 0 0 0 0 0 0 0 0 0 Yes 30 2042 72 67 0 0 0 0 0 0 0 0 0 0 Yes 31 2043 73 68 0 0 0 0 0 0 0 0 0 0 Yes 32 2044 74 69 0 0 0 0 0 0 0 0 0 0 Total Life Insurance required for future need : Amount Rs. : 6899313 8667618 11132261 33 2045 75 70 0 0 0 0 0 0 0 0 0 0 34 2046 76 71 0 0 0 0 0 0 0 0 0 0 35 2047 77 72 0 0 0 0 0 0 0 0 0 0 36 2048 78 73 0 0 0 0 0 0 0 0 0 0 37 2049 79 74 0 0 0 0 0 0 0 0 0 0 36850 Yes 60000 38 2050 80 75 0 0 0 0 0 0 0 0 0 0 143458 Yes 0 39 2051 81 76 0 0 0 0 0 0 0 0 0 0 75717 Yes 0 40 2052 82 77 0 0 0 0 0 0 0 0 0 0 89925 Yes 0 41 2053 83 78 0 0 0 0 0 0 0 0 0 0 48125 Yes 0 42 2054 84 79 0 0 0 0 0 0 0 0 0 0 839249 110000 43 2055 85 80 0 0 0 0 0 0 0 0 0 0 949249 44 2056 86 81 0 0 0 0 0 0 0 0 0 0 368370 45 2057 87 82 0 0 0 0 0 0 0 0 0 0 580879 580879 580879 46 2058 88 83 0 0 0 0 0 0 0 0 0 0 Gross Life Insurance required to protect all need of your family in your absence : (@ various rate ) :: 7480191 9248496 11713140 47 2059 89 84 0 0 0 0 0 0 0 0 0 0 <== Select future Interest Rate on Lump sum Investment from life insurance claim amount to provide a future need to family Required Life Insurance - Death Claim Cash Flow Statement Gross Life Insurance Cover for Future Need : Amount Rs. :: N.A. Wedding exp. Of Niece 50000 Total Life Insurance Cover for Present Need : Amount Rs. :: Family Expenses Amount required for Immediate Need OR in Current Year - i.e. in 2013 Add : Other Need Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses Maternity Exp. For Sister 0 0 0 0 Present OR Immediate Need / Particulars Required Amount Rs. Wants to Protect Need? Present OR Immediate Need / Particulars Required Amount Rs. Loan Repayment O/S. Loan Liabilities - For Assets & Cash Loan Total required Amount Rs.: Total required Amount Rs.: 445174 FutureFinancial Goal Future Need Need - Fund for - Buying a New House Need - Fund for - New Motor Car Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike 4079660 5032205 3330066 3848689 4469401 3379813 ChildFuturePlanning Planning For- Ankita Patel Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Less : Other Income Spouse Income -( Subject to Life Insurance Cover available ) Agriculture Income etc. Total Income from other sources Fund for - Marriage Expenses Planning For- Nikunj Patel Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Life insurance cover amount, which will provided to your family for future expenses & nneds in your absence & generate return on that @diff. (%) 929600 1203103 1583574 1386562 1989681 2922096 Different Rate of Return, Scenario of Future Cash Flow in your absence & Provide Financial Shelter to your Family 4632898 5705805 7189396 I wish to provide Life Insurance cover to my family for following future needs & liabilities. Inflation Effect - Present Goal Amount will rise @Rate Future Expensesfor Family Family Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses Net Amount to be required in future Interest on Balance Amt. Closing Balance Present & Future Need to Family in your absence Less : Future Income Less : Present OR immediate income from spouse & other income Fund for - For start in life Fund for - Marriage Expenses Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education 0 2000000 4000000 6000000 8000000 10000000 12000000 14000000 16000000 18000000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 Required Balance @Each year Net Requirement Interest on Death Claim
For : Basic Sum Assured Present Death Benefit Value Current Value Paid Up Value of Policy Surrender Value Rs. Add : 2,468,500 Traditional Life Insurance Plan 900,000 1,468,500 1,180,398 1,024,250 372,820 - - - - - 900,000 1,468,500 1,180,398 1,024,250 372,820 Unit Linked Life Insurance Plan Cash Account 95530 95530 500,000 500,000 80,000 334,180 80,000 Bank FDR 184006 170105 - - - - - Mutual Funds 1460138 1321796 500,000 500,000 80,000 334,180 80,000 Stock Market 46200 34650 Life Insurance : Pure Term Plan Bonds / NCD's & Co. FD's 353171 317854 500,000 500,000 Post Office Scheme 1404523 1107471 - - Other Life Ins. & Pension Plan 1003165 789057 - - Physical Gold / Funds / ETF 200000 180000 500,000 500,000 Properties Investment 1000000 800000 Retirement Fund 155000 0 For : Basic Sum Assured Present Death Benefit Value Current Value Pension Plan Value Rs. Surrender Value Rs. Particulars @Return : 15%@Return : 12%@Return : 9% Traditional Life Insurance Plan Reqired Life Ins. Cover7480191 9248496 11713140 200,000 240,000 90,265 90,000 29,133 Exsting Life Ins. Cover7284964 7284964 7284964 - - - - - Shortfall (if any) -195228 -1963532 -4428176 200,000 240,000 90,265 90,000 29,133 Unit Linked Life Insurance Plan - - - - - 75,000 75,000 62,000 - 58,000 75,000 75,000 62,000 - 58,000 - - - - - - - - 15% 12% 9% 2043211 2559091 3311512 Analysis - Actual Available Life Insurance Coverage & Shortfall (if any) 9%15% 12% 315,000 315,000 315,000 275,000 315,000 152,265 4816464 7284964 Available Life Insurance Coverage through existing Life Insurance Policies With Coverage through Existing Assets Value Samir Patel Scheme Category / Particulars Surrender Value >> Investment Instrument Reg. Prem.-Unit Linked Insurance Plan Existing Life Insurance Coverage - Death Benefit Value Rs. Existing available coverage to family - Amount Rs. 7284964 Ekta Patel Present available coverage to family - Amount Rs.: Reg. Prem. -Traditional Life Ins.Plan Single Premium -Traditional Life Ins. Plan Current Value Surrender Value Select Option Existing Investment Value Rs. : Total Amount Rs.: 1,900,000 2,468,500 1,260,398 1,358,430 452,820 Single Premium -Unit Linked Ins. Plan 7284964 90,000 87,133 Required Life Insurance Coverage : As per Income Replacement Strategy : 7284964 1963532 4428176 9248496 11713140 Scheme Category / Particulars Reg. Prem. -Traditional Life Ins. Plan Single Prem. -Traditional Life Ins. Plan Reg. Prem.-Unit Linked Insurance Plan Single Premium -Unit Linked Ins. Plan Total Amount Rs.: Available Life Insurance Coverage : 1,728,211 2,244,091 2,996,512 Life Insurance - Pure Term Plan Additional Life Insurance Cover to be required for : Ekta Patel 195228 Gross Life Insurance Need to Family : (As above Calculated) 7480191 Additional Life Insurance cover to be required to protect your family in your absence : @Return : 15% @Return : 12% @Return : 9% Reqired Life Ins. Cover 7480191 9248496 11713140 Exsting Life Ins. Cover 7284964 7284964 7284964 Shortfall (if any) -195228 -1963532 -4428176 -6000000 -4000000 -2000000 0 2000000 4000000 6000000 8000000 10000000 12000000 14000000 11713140 12134165 13100199 14179664 15265124 16394924 11704581 12377693 11197421 11535173 11710358 11935060 11659844 11042439 10365751 8377831 7526473 6418686 1116614 1217109 1326649 0 2000000 4000000 6000000 8000000 10000000 12000000 14000000 16000000 18000000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 Required V/s. Available -Life Insurance Cover Analysis Available Life Ins. Cover Shortall in Life Ins. Cover Required Life Ins. Cover 580879 115633 91333 174963 223910 5656776 348899 2104830 614694 791725 760762 1237955 1529167 1532576 2679667 1472810 1637771 5394269 0 0 1326649 -1000000 0 1000000 2000000 3000000 4000000 5000000 6000000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 Need to be covered V/s.Need to be met & Shortfall to Need CoverShortfall to need with existing cover Need to be met with existing life cover Total Need to be Cover
Self Family History Name Sex Relationship Current StatusHealth Status Date of Birth Age Covered under Health Insurance? Any permanent physical disability? Continue on any Medications or Drugs? Major Surgery /Hospitalisation in last 5 Years? Samir Patel Male Self Doing Job Very Good 15/01/1970 43 Yes No No No 0 High / Low BP Ekta Patel Female Spouse / Wife Working Very Good 12/08/1974 38 Yes No No No 0 Heart Disease Chhotubhai Patel Male Father Retired Above Average 16/05/1942 70 No No Yes No High / Low BP 0 Savitaben Patel Female Mother Retired Average 24/10/1948 64 No No Yes No 0 0 Ankita Patel Female Daughter Studying Very Good 25/03/2001 11 Yes No No No 0 0 Nikunj Patel Male Son Studying Very Good 18/09/2004 8 Yes No No No 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 4 0 0 0 0 0 Policy TypePolicy TypePolicy TypePolicy Type 0 0 0 0 0 0 0 0 0 0 0 0 0 Have you or any family member ever suffered / suffering from? Family Health Information & History Risk Protection Strategies Heartbeat Max Bupa Floating 12000 500000 13/01/2011 Health Insurance Policy Details Policy Name Insurer Company Policy Type Annual Premium Sum Assured Start Date No. of Insured Person 0 0 0 0 0 0 0 0 0 0 0 0 Planner's Comments / Advice - On Health Insurance Coverage Group Mediclaim Individual ORIndividual ORIndividual ORIndividual OR FloatingFloatingFloatingFloating Suggested HealthSuggested HealthSuggested HealthSuggested Health Cover /SumCover /SumCover /SumCover /Sum AssuredAssuredAssuredAssured Indicative Annual Premium Amount Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company 0 0 0 0 Planner's Comment / Remark / Action to Proceeds
0 1200 0 0 0 0 0 0 0 0 0 Policy TypePolicy TypePolicy TypePolicy Type 7480191 9248496 11713140 1,468,500 500,000 500,000 4,816,464 7284964 7284964 7284964 195228 1963532 4428176 5,316,464 5,316,464 5,316,464 5,316,464 Required Life Insurance after advice on existing life insurance 2,163,728 3,932,032 6,396,676 - - - - 4000000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 1836272 67968 -2396676 New India 26/03/2006 1000000Personal Accident Samir Patel No. of Family Person / Assets Insured Insurance Policy ( For) Name of Person Insured Insurer Company Start Date Annual Premium Pure Risk Coverage - General Insurance Policy Details 00/01/1900 Vehicles 0 New India 24/03/2004 Sum Assured Rider (if any) 0 Group Pers.Accident 0 0 00/01/1900 0 Critical Illness 0 0 00/01/1900 1700 0 0 0Household 0 0 Available Life Insurance Coverage through -Policy & Investments : ===> Present death benefit available through Traditional Life Insurance Planner's Comments / Advice on other General Insurance Coverage / Risk Protection Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company Suggested HealthSuggested HealthSuggested HealthSuggested Health Cover /SumCover /SumCover /SumCover /Sum AssuredAssuredAssuredAssured Indicative Annual Premium Amount Individual ORIndividual ORIndividual ORIndividual OR FloatingFloatingFloatingFloating 12% 9%For Samir Patel Required Life Insurance Coverage - As per Need Analysis Report ===> Present death benefit available through Unit Linked Insurance Plan ===> Present death benefit available through Term Plan ===> Present coverage through Surrender Value of Current Investments Less : ===> Death Benefit / Sum Assured - will reduce due to advice for Policy Paid up / surrendering bad / junk policy etc. - Traditional & Ulip Plans. Net life insurance coverage available after advice on existing policy 1,968,500 Less: ===> Advice for take additional life ins. coverage through Tradi. Plan +Ulip ===> Advice for take additional life ins. coverage through Pure Term Plan Shortfall in Life Insurance Coverage - with diff. return scenario ( if any) 1,968,500 1,968,500 1,968,500 Shortfall /Excess -After addition of Life Insurance Coverage (if any) Total : Planner's Comment / Remark / Action to Proceeds Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company Life Insurance Coverage 15% Indicative Annual Premium Amount Planner'sAdvice/RemarkonLifeInsurance Suggested Life Insurance CoverSuggested Life Insurance CoverSuggested Life Insurance CoverSuggested Life Insurance Cover /Sum Assured/Sum Assured/Sum Assured/Sum Assured
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 How would you describe yourself as a risk-taker? Balanced - (Medium Risk) Result of Risk Analysis Risk Capacity 1 - 3 years You have a market tip on the price appreciation of a certain scrip, you : Are happy with the Rs.10,000 that you've earned Are satisfied and content with the decision How good is your knowledge of finance? If you lose your job or stop working today, how long do you think your savings can support you Aggregate Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor You are on a TV game show and you win Rs.10,000. You have a choice to keep the money or risk it to win a higher amount. You : Do some enquiry and analysis and then decide Your risk analysis from above questionnaire Buy more of them Medium Balanced - (Medium Risk) The stock market has dropped 25% and a share that you own also dropped 25%, but 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 sum 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 your spouse's income) invest the money in Open ended Equity Oriented Mutual Fund Risk Behaviour Your age is : Findings from your Risk Analysis Which one of the following best describes your feeling immediately after making an investment, you : 41 - 50 between Rs.500,000 and Re.10,00,000 15 years or more Is relatively secure It would far outpace inflation Willing to take risks for higer returns I don't know much about finance but I keep myself updated about the developments through newspapers, journals, TV, etc. The number of years you have until retirement is : Your present job or business is : Your current annual take-home income is : Invest the money in Mutual Funds What is your expectation of how your future earnings would be : If you had Rs.50,000 to invest, which of the following choices would you make ?
Current Value 185530 6% 490,950 95900 6% 182,400 0 8% 321,386 46200 18% 994,736 956418 15% For Months 87110 15% 0 15% 20937 15% 299773 13% 0 10% 0 9% 0 8% 1691868 13.14% 0 - to - 3 8% 281430 17% 9.20% 4 - to - 7 9% 1203892 71% 9.44% 206545 12% 12.00% Total : 1691868 100.00% 9.20% Note : Age : 60 Year : 2030 Age : 80 Year : 2050 Select : 2 Calculation of Required Emergency Fund. Particulars Regular Investment Commitment Total Yearly Outflow Amount Rs. Planner's Note Regular Expenses Loan EMI Amount 4 331579 Also required fund in Cash & Equivalent for Current Year Requirements ( If any) Total Amount to be required in Current Year ( i.e. in Year ) Fairly Important 18 Optimum Return Investment Priorities Preserve Capital Some Extent Regular Income Not Priority Period ( No. of Years ) upto Retirement.: Retirement : Life Expectacy : Ease of Management Very Concern Post Retirement Rate of Return (%) Growth Over Time Very Important Fairly Important Retirement Cash Flow - With Accumulation & Consumption. Maximum Growth Some Extent Hybrid Fund - Asset Allocation/Others Hybrid Fund - MIP Gold Funds / ETF Total Amount & Weighted Avg. Return If retirement period is fall in Short / Medium Term Period, Long Term Return Rate is automatically replaced by Post Retirement Rate of Return. Please check first, how much year left to retirement. RiskAnalysis Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund) Existing Portfolio Portfolio Weightage Short to Medium Term Medium to Long Term Cash / S.B. A/c. / Bank FDR <1 Year Equity - Thematic & Others Post Tax Rate of Return (%) 8% Timely Goal Achievement Short Term Need Medium Term Need 8 - Year onwards Hybrid Fund - Balanced Expected Wighted Average Return (%) Finding from Your Risk Analysis Result of Risk Analysis Future Need - Period breakup with required Rate of Return Post Tax - Return Select 12% For - Pre - Retirement Period : Period (Years) : Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund) Existing Portfolio Expected Return (%) Risk Behaviour Long Term Funds Post Tax Rate of Return - Assumption Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor Aggregate Balanced - (Medium Risk) Risk Capacity Medium Balanced - (Medium Risk) Debt -Liquid Goal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation With Existing Investment Portfolio Tax Relief/advantage Concern Safety/ Security Extremely Concern Liquidity Concern Generating Income Not Concern Debt -Short Term, Income & G. Sec. Direct Equity Equity - Diversified Equity - Diversified -ELSS Equity - Sectoral Long Term Need Very Concern 110000 Emergency Fund - Should be kept in form of Cash & Equivalent Advice to kept emergency fund in Cash or Equivalent for the Month Nos. >>>> Financial Concerns Inflation
Age at Goal Start Present Cost of Goal OR Target Goal Amount Inflation Effect - Present Goal Amount will rise @%wise OR Amt.wise Period ( Years) available for Regular Investments Fund to be required in Period OR Year Fund to be required for No. of Years Goal Priority If Goal Selection is "Yes", Goal Funding from Assets Liquidation / Future Loan? Future Goal - Amount to be required Rs. Goal Funding Amt. from Assets Liquidation / Future Loans - Rs. Goal Funding Amount through Financial Investment A/c. Total Possible Goal Achievement Amt. Rs. Shortfall in Goal Amt. Rs. Possible Goal Achievement %wise Shortfall in Goal %wise Child Age % OR/ Amt,wise 0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0% 12 25000 10.00% 1 2014 - To - 2016 3 High Yes N.A. 91025 0 91025 91025 0 100% 0% 15 65000 10.00% 4 2017 - To - 2020 4 High Yes N.A. 441668 0 441668 441668 0 100% 0% 19 100000 10.00% 8 2021 - To - 2023 3 High Yes N.A. 709528 0 709528 709528 0 100% 0% 22 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 25 600000 6.00% 14 2027 1 High Yes Yes 1356542 271308 1085234 1356542 0 100% 0% Child Age 4015335 271308 3744027 4015335 0 100% 0% 0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0% 9 25000 10.00% 1 2014 - To - 2019 6 High Yes N.A. 212179 0 212179 212179 0 100% 0% 15 65000 10.00% 7 2020 - To - 2023 4 High Yes N.A. 587860 0 587860 587860 0 100% 0% 19 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0% 22 200000 10.00% 14 2027 - To - 2029 3 High Yes N.A. 2513944 0 2513944 2513944 0 100% 0% 25 2000000 5.00% 17 2030 1 High Yes Yes 4584037 3438027 1146009 4584037 0 100% 0% 28 500000 5.00% 17 2033 1 High Yes Yes 1326649 928654 397995 1326649 0 100% 0% Your Age 10641241 4366682 6274559 10641241 0 100% 0% 48 4000000 6.00% 5 2018 1 High Yes Yes 5352902 4014677 1338226 5352902 0 100% 0% 50 950000 8.00% 7 2020 1 Medium Yes Yes 1628133 488440 1139693 1628133 0 100% 0% 52 50000 8.00% 9 2022 1 High Yes Yes 99950 0 99950 99950 0 100% 0% 55 60000 8.00% 12 2025 1 High Yes Yes 151090 75545 75545 151090 0 100% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% Your Age 7232076 4578662 2653414 7232076 0 100% 0% 60 6984881 0 17 2030 1 High Yes 70663066 0 5460413 5460413 65202652 8% 92% 60 100000 10.00% 17 2030 1 High Yes 505447 0 505447 505447 0 100% 0% 60 10000000 5.00% 17 2030 1 High Yes 22920183 0 22920183 22920183 0 100% 0% 60 50000 6.00% 17 2030 1 Low Yes 134639 0 134639 134639 0 100% 0% 60 100000 6.00% 17 2030 1 Optional Yes 269277 0 269277 269277 0 100% 0% Your Age 94492612 29289959 29289959 65202652 31% 69% 62 5000000 6.00% 17 2032 1 Optional Yes Yes 15127998 0 14547823 14547823 580175 96% 4% 67 5000000 17 2037 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100% 50 25000 6.00% 7 2020 - To - 2032 Every 3 Year Medium Yes Yes 274834 0 199194 199194 75640 72% 28% 62 50000 6.00% 17 2032 - To - 2050 Every 3 Year 0 Yes Yes 1468591 0 0 0 1468591 0% 100% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 21871422 0 14747017 14747017 7124406 67% 33% 138252686 9216652 56708977 65925628 72327058 48% 52% Financial Goal Particulars Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Need - Fund for - New Motor Car Fund for -- Pre-Primary & Primary Education Fund for -- Secondary & Higher Sec. Education Fund for -- Graduation & Higher Education Fund for -- Post Graduation & Master Degree Fund for -- For start in life Fund for -- Marriage Expenses Dream - Fund for - Long Tour Dream - Fund for - Buying A Farm House Future Need ChildFuturePlanning Planning For- Ankita Patel Planning For- Nikunj Patel Fund for - Post Graduation & Master Degree FutureFinancial Goal Future Dreams Retirement Planning Retirement Corpus & Provision FutureFinancial Goal Dream - Fund for - Create Wealth Dream - Fund for - Domestic Tour Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Goal SelectionGoal SelectionGoal SelectionGoal Selection Fund for - Marriage Expenses Need - Fund for - Buying a New House After calculating with your actual cash flow Fund for - Graduation & Higher Education Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Wants to include OR Calculate your Goal Amt. with Current Cash Flow?
Sr. No. Year Samir Patel Ekta Patel Ankita Patel Nikunj Patel Self Income ( Net of Tax ) Spouse Income (Net of Tax) Agriculture Income (if any) Other Income Total Income Total Expenses Surplus (Basic Cash Flow) Total Loan Repayment Amount Rs. Loan Repayment For Future Goal Amount Rs. Net Surplus for Savings / Investment Regular Investment Commitment (Outflow) Net Balance ( + / - ) @Each Year Ended 0 2013 43 38 11 8 562690 203370 165000 5000 936060 450038 486022 152000 334022 232093 101929 1 2014 44 39 12 9 630472 231883 189000 6000 1057355 530128 527227 182400 0 344827 327386 17441 2 2015 45 40 13 10 659635 242058 198450 56000 1156143 572510 583633 139776 0 443857 319086 124771 3 2016 46 41 14 11 684401 253699 208373 0 1146472 618363 528108 60000 0 468108 337086 131022 4 2017 47 42 15 12 709417 266959 218791 39338 1234505 667980 566525 10000 0 556525 355086 201439 5 2018 48 43 16 13 737042 279222 229731 0 1245995 721677 524318 0 125253 399065 373086 25979 6 2019 49 44 17 14 765433 292097 241217 0 1298747 779798 518949 0 125253 393696 342332 51364 7 2020 50 45 18 15 794647 305628 253278 0 1353553 842716 510837 0 235206 275631 354332 -78701 8 2021 51 46 19 16 824982 319820 265942 0 1410744 910836 499908 0 235206 264702 366332 -101630 9 2022 52 47 20 17 856846 334732 279239 0 1470817 984601 486216 0 235206 251010 378332 -127322 10 2023 53 48 21 18 972688 366501 293201 0 1632391 1064488 567902 0 235206 332696 390332 -57636 11 2024 54 49 22 19 1007817 384826 307861 0 1700504 1151020 549485 0 235206 314279 396332 -82053 12 2025 55 50 23 20 1044693 404068 323254 0 1772014 1244760 527254 0 125253 402001 402332 -331 13 2026 56 51 24 21 1084330 424271 339417 0 1848018 1346326 501692 0 125253 376439 408332 -31893 14 2027 57 52 25 22 1126276 445485 356388 0 1928148 1456386 471762 0 125253 346509 389332 -42823 15 2028 58 53 26 23 1170311 467759 374207 0 2012277 1575668 436609 0 0 436609 389332 47277 16 2029 59 54 27 24 1216551 491147 392917 0 2100616 1704963 395653 0 0 395653 365593 30060 17 2030 60 55 28 25 1265100 514087 412563 0 2191750 1845132 346618 0 0 346618 360000 -13382 18 2031 61 56 29 26 0 537215 0 0 537215 0 537215 0 0 537215 0 537215 19 2032 62 57 30 27 0 561498 0 0 561498 0 561498 0 0 561498 0 561498 20 2033 63 58 31 28 0 587001 0 0 587001 0 587001 0 0 587001 0 587001 21 2034 64 59 32 29 0 613781 0 0 613781 0 613781 0 0 613781 0 613781 22 2035 65 60 33 30 0 641889 0 0 641889 0 641889 0 0 641889 0 641889 23 2036 66 61 34 31 0 0 0 0 0 0 0 0 0 0 0 0 24 2037 67 62 35 32 0 0 0 0 0 0 0 0 0 0 0 0 25 2038 68 63 36 33 0 0 0 0 0 0 0 0 0 0 0 0 26 2039 69 64 37 34 0 0 0 0 0 0 0 0 0 0 0 0 27 2040 70 65 38 35 0 0 0 0 0 0 0 0 0 0 0 0 28 2041 71 66 39 36 0 0 0 0 0 0 0 0 0 0 0 0 29 2042 72 67 40 37 0 0 0 0 0 0 0 0 0 0 0 0 30 2043 73 68 41 38 0 0 0 0 0 0 0 0 0 0 0 0 31 2044 74 69 42 39 0 0 0 0 0 0 0 0 0 0 0 0 32 2045 75 70 43 40 0 0 0 0 0 0 0 0 0 0 0 0 33 2046 76 71 44 41 0 0 0 0 0 0 0 0 0 0 0 0 34 2047 77 72 45 42 0 0 0 0 0 0 0 0 0 0 0 0 35 2048 78 73 46 43 0 0 0 0 0 0 0 0 0 0 0 0 36 2049 79 74 47 44 0 0 0 0 0 0 0 0 0 0 0 0 37 2050 80 75 48 45 0 0 0 0 0 0 0 0 0 0 0 0 38 2051 81 76 49 46 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 50 47 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 51 48 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 52 49 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 53 50 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 54 51 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 55 52 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 56 53 0 0 0 0 0 0 0 0 0 0 0 0 46 2059 89 84 57 54 0 0 0 0 0 0 0 0 0 0 0 0 47 2060 90 85 58 55 0 0 0 0 0 0 0 0 0 0 0 0 48 2061 91 86 59 56 0 0 0 0 0 0 0 0 0 0 0 0 49 2062 92 87 60 57 0 0 0 0 0 0 0 0 0 0 0 0 50 2063 93 88 61 58 0 0 0 0 0 0 0 0 0 0 0 0 Age :
Sr. No. Year Samir Patel Ekta Patel Age Child Care Expenses Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Amount to be required. Age Child Care Expenses Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Amount to be required. 0 91025 441668 709528 1416572 0 1356542 4015335 0 212179 587860 1416572 2513944 4584037 1326649 10641241 1 2014 44 39 12 0 27500 0 0 0 0 0 27500 9 0 27500 0 0 0 0 0 27500 2 2015 45 40 13 0 30250 0 0 0 0 0 30250 10 0 30250 0 0 0 0 0 30250 3 2016 46 41 14 0 33275 0 0 0 0 0 33275 11 0 33275 0 0 0 0 0 33275 4 2017 47 42 15 0 0 95167 0 0 0 0 95167 12 0 36603 0 0 0 0 0 36603 5 2018 48 43 16 0 0 104683 0 0 0 0 104683 13 0 40263 0 0 0 0 0 40263 6 2019 49 44 17 0 0 115151 0 0 0 0 115151 14 0 44289 0 0 0 0 0 44289 7 2020 50 45 18 0 0 126667 0 0 0 0 126667 15 0 0 126667 0 0 0 0 126667 8 2021 51 46 19 0 0 0 214359 0 0 0 214359 16 0 0 139333 0 0 0 0 139333 9 2022 52 47 20 0 0 0 235795 0 0 0 235795 17 0 0 153267 0 0 0 0 153267 10 2023 53 48 21 0 0 0 259374 0 0 0 259374 18 0 0 168593 0 0 0 0 168593 11 2024 54 49 22 0 0 0 0 427968 0 0 427968 19 0 0 0 427968 0 0 0 427968 12 2025 55 50 23 0 0 0 0 470764 0 0 470764 20 0 0 0 470764 0 0 0 470764 13 2026 56 51 24 0 0 0 0 517841 0 0 517841 21 0 0 0 517841 0 0 0 517841 14 2027 57 52 25 0 0 0 0 0 0 1356542 1356542 22 0 0 0 0 759500 0 0 759500 15 2028 58 53 26 0 0 0 0 0 0 0 0 23 0 0 0 0 835450 0 0 835450 16 2029 59 54 27 0 0 0 0 0 0 0 0 24 0 0 0 0 918995 0 0 918995 17 2030 60 55 28 0 0 0 0 0 0 0 0 25 0 0 0 0 0 4584037 0 4584037 18 2031 61 56 29 0 0 0 0 0 0 0 0 26 0 0 0 0 0 0 0 0 19 2032 62 57 30 0 0 0 0 0 0 0 0 27 0 0 0 0 0 0 0 0 20 2033 63 58 31 0 0 0 0 0 0 0 0 28 0 0 0 0 0 0 1326649 1326649 21 2034 64 59 32 0 0 0 0 0 0 0 0 29 0 0 0 0 0 0 0 0 22 2035 65 60 33 0 0 0 0 0 0 0 0 30 0 0 0 0 0 0 0 0 23 2036 66 61 34 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 0 24 2037 67 62 35 0 0 0 0 0 0 0 0 32 0 0 0 0 0 0 0 0 25 2038 68 63 36 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 0 26 2039 69 64 37 0 0 0 0 0 0 0 0 34 0 0 0 0 0 0 0 0 27 2040 70 65 38 0 0 0 0 0 0 0 0 35 0 0 0 0 0 0 0 0 28 2041 71 66 39 0 0 0 0 0 0 0 0 36 0 0 0 0 0 0 0 0 29 2042 72 67 40 0 0 0 0 0 0 0 0 37 0 0 0 0 0 0 0 0 30 2043 73 68 41 0 0 0 0 0 0 0 0 38 0 0 0 0 0 0 0 0 31 2044 74 69 42 0 0 0 0 0 0 0 0 39 0 0 0 0 0 0 0 0 32 2045 75 70 43 0 0 0 0 0 0 0 0 40 0 0 0 0 0 0 0 0 33 2046 76 71 44 0 0 0 0 0 0 0 0 41 0 0 0 0 0 0 0 0 34 2047 77 72 45 0 0 0 0 0 0 0 0 42 0 0 0 0 0 0 0 0 35 2048 78 73 46 0 0 0 0 0 0 0 0 43 0 0 0 0 0 0 0 0 36 2049 79 74 47 0 0 0 0 0 0 0 0 44 0 0 0 0 0 0 0 0 37 2050 80 75 48 0 0 0 0 0 0 0 0 45 0 0 0 0 0 0 0 0 38 2051 81 76 49 0 0 0 0 0 0 0 0 46 0 0 0 0 0 0 0 0 39 2052 82 77 50 0 0 0 0 0 0 0 0 47 0 0 0 0 0 0 0 0 40 2053 83 78 51 0 0 0 0 0 0 0 0 48 0 0 0 0 0 0 0 0 41 2054 84 79 52 0 0 0 0 0 0 0 0 49 0 0 0 0 0 0 0 0 42 2055 85 80 53 0 0 0 0 0 0 0 0 50 0 0 0 0 0 0 0 0 43 2056 86 81 54 0 0 0 0 0 0 0 0 51 0 0 0 0 0 0 0 0 44 2057 87 82 55 0 0 0 0 0 0 0 0 52 0 0 0 0 0 0 0 0 45 2058 88 83 56 0 0 0 0 0 0 0 0 53 0 0 0 0 0 0 0 0 46 2059 89 84 57 0 0 0 0 0 0 0 0 54 0 0 0 0 0 0 0 0 47 2060 90 85 58 0 0 0 0 0 0 0 0 55 0 0 0 0 0 0 0 0 48 2061 91 86 59 0 0 0 0 0 0 0 0 56 0 0 0 0 0 0 0 0 49 2062 92 87 60 0 0 0 0 0 0 0 0 57 0 0 0 0 0 0 0 0 50 2063 93 88 61 0 0 0 0 0 0 0 0 58 0 0 0 0 0 0 0 0 Age : Child Future Planning - Future Need for Nikunj Patel Total Requirement : >>>> Child Future Planning - Future Need for Ankita Patel
Sr. No. Year Samir Patel Ekta Patel Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Dream- Buying A Farm House Dream-Create Wealth 0-0 0-0 0-0 Dream- Domestic Tour Dream-Long Tour Total Amount to be required. Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Amount to be required. 5352902 1628133 99950 151090 15127998 5000000 0 0 0 274834 1468591 29103498 70663066 505447 22920183 134639 269277 94492612 1 2014 44 39 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2015 45 40 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2016 46 41 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2017 47 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 2018 48 43 5352902 0 0 0 0 0 0 0 0 0 0 5352902 0 0 0 0 0 0 6 2019 49 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 2020 50 45 0 1628133 0 0 0 0 0 0 0 37591 0 1665724 0 0 0 0 0 0 8 2021 51 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9 2022 52 47 0 0 99950 0 0 0 0 0 0 0 0 99950 0 0 0 0 0 0 10 2023 53 48 0 0 0 0 0 0 0 0 0 44771 0 44771 0 0 0 0 0 0 11 2024 54 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12 2025 55 50 0 0 0 151090 0 0 0 0 0 0 0 151090 0 0 0 0 0 0 13 2026 56 51 0 0 0 0 0 0 0 0 0 53323 0 53323 0 0 0 0 0 0 14 2027 57 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 2028 58 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 2029 59 54 0 0 0 0 0 0 0 0 0 63509 0 63509 0 0 0 0 0 0 17 2030 60 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 2031 61 56 0 0 0 0 0 0 0 0 0 0 0 0 1349747 505447 22920183 134639 269277 25179293 19 2032 62 57 0 0 0 0 15127998 0 0 0 0 75640 151280 15354917 1485272 0 0 0 0 1485272 20 2033 63 58 0 0 0 0 0 0 0 0 0 0 0 0 1631542 0 0 0 0 1631542 21 2034 64 59 0 0 0 0 0 0 0 0 0 0 0 0 1789430 0 0 0 0 1789430 22 2035 65 60 0 0 0 0 0 0 0 0 0 0 180177 180177 1959888 0 0 0 0 1959888 23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 0 2143941 0 0 0 0 2143941 24 2037 67 62 0 0 0 0 0 5000000 0 0 0 0 0 5000000 2342706 0 0 0 0 2342706 25 2038 68 63 0 0 0 0 0 0 0 0 0 0 214594 214594 2557391 0 0 0 0 2557391 26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0 2789306 0 0 0 0 2789306 27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 0 3039872 0 0 0 0 3039872 28 2041 71 66 0 0 0 0 0 0 0 0 0 0 255584 255584 3310629 0 0 0 0 3310629 29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 0 3603250 0 0 0 0 3603250 30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 0 3919547 0 0 0 0 3919547 31 2044 74 69 0 0 0 0 0 0 0 0 0 0 304405 304405 4261488 0 0 0 0 4261488 32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 0 4631207 0 0 0 0 4631207 33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 0 5031022 0 0 0 0 5031022 34 2047 77 72 0 0 0 0 0 0 0 0 0 0 362551 362551 5463447 0 0 0 0 5463447 35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 0 5931213 0 0 0 0 5931213 36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 0 6437285 0 0 0 0 6437285 37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 0 6984881 0 0 0 0 6984881 38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2059 89 84 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2060 90 85 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2061 91 86 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2062 92 87 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2063 93 88 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Age : Total Requirement : >>>> Future Financial Need & Dream Retirement Need
Marriage Expenses For start in life Marriage Expenses Buying a New House New Motor Car New Motor Bike Regular Regular Lumpsum Lumpsum Regular Regular Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum 0 0 0 1356542 0 0 4584037 1326649 5352902 1628133 0 151090 0 0 0 0 0 0% 0% 0% 20% 0% 0% 75% 70% 75% 30% 0% 50% 0% 0% 0% 0% 0% 0 0 0 271308 0 0 3438027 928654 4014677 488440 0 75545 0 0 0 0 0 0 0 0 2027 0 0 2030 2033 2018 2020 0 2025 0 0 0 0 0 0 0 0 Yes 0 0 Yes Yes Yes Yes 0 Yes 0 0 0 0 0 0 0 0 6 - Gold / Silver / Ornaments 0 0 5 - Shop / Office Premises 4 - Jewellery / Gold Ornaments 1 - Residential Building / Flat 2 - Four Wheelers 0 3 - Two Wheelers 0 0 0 0 0 0 0 0 515707 0 0 2292018 1547874 3190704 76528 0 3389 0 0 0 0 0 0 0 0 271308 0 0 2292018 928654 3190704 76528 0 3389 0 0 0 0 0 0 0 0 0 0 0 1146009 0 823973 411912 0 72156 0 0 0 0 0 0% 0% 0% No 0% 0% Yes No Yes Yes 0% Yes 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 100% 0% 100% 100% 0% 100% 0% 0% 0% 0% 0% 0 0 0 0 0 0 1146009 0 823973 411912 0 72156 0 0 0 0 0 0% 0% 0% No 0% 0% No No Yes Yes 0% No 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 9% 12% 0% 12% 0% 0% 0% 0% 0% 0 0 0 0 0 0 0 0 10 5 0 5 0 0 0 0 0 0 0 0 0 0 0 0 0 10438 9163 0 1605 0 0 0 0 0 0 0 0 0 0 0 0 0 125253 109953 0 19261 0 0 0 0 0 0 0 0 1085234 0 0 1146009 397995 1338226 1139693 0 75545 0 0 0 0 0 0 0 0 244398 0 0 0 619220 0 0 0 0 0 0 0 0 0 Particulars Planning For-Nikunj Patel Future Need & DreamPlanning For-Ankita Patel Projected Loan Payment Period (in Years) Monthly Installments How much % of funding you wants through loan? Goal Funding Amount from Future Loan Future Loan to be paid from your Income? If Yes, Please fill up following details How much amount, you wants to utilise through Assets? Outstanding Goal Amount After funding from Assets Wants to take loan in future for goal funding? Amount to be required in year / from year? Wants to utilise current assets for goal funding? Name of Assets, if you wants to use against Goal Funding Estimated Interest Rate (%) on Future Loan (if any) Yearly Loan Payment After funding from loan (if any ) - Remaining Goal Amount to be mapped with Financial Investment Account Balance of Assets amount (if any) after goal funding to be transfer to cash flow account Requirement / Need type Total Amount to be required for Financial Goal? How much % of funding you expect through Assets Sale OR Future Loan? Goal Funding amount expected through Assets Sale OR Future Loan. Assets value to be available to utilise for Goal funding in that year
Sr. No. Year Samir Patel Ekta Patel 0 2013 43 38 110667 0 110667 0 0 78057 78057 188723 0 188723 1 2014 44 39 27500 27500 0 0 55000 79600 0 79600 37500 0 427244 464744 544344 0 0 55000 544344 2 2015 45 40 30250 30250 0 0 60500 68350 0 68350 690500 0 500000 1190500 1258850 0 0 60500 1258850 3 2016 46 41 33275 33275 0 0 66550 12367 0 12367 0 0 776380 776380 788747 0 0 66550 788747 4 2017 47 42 95167 36603 0 0 131769 0 0 0 75000 0 86446 161446 161446 0 0 131769 161446 5 2018 48 43 104683 40263 5352902 4014677 1483171 0 0 0 0 0 0 0 0 0 0 1483171 0 6 2019 49 44 115151 44289 0 0 159440 0 0 0 175800 0 0 175800 175800 0 0 159440 175800 7 2020 50 45 126667 126667 1665724 488440 1430617 0 0 0 0 132903 0 132903 132903 0 0 1430617 132903 8 2021 51 46 214359 139333 0 0 353692 0 0 0 0 0 0 0 0 0 0 353692 0 9 2022 52 47 235795 153267 99950 0 489012 0 0 0 0 0 0 0 0 0 0 489012 0 10 2023 53 48 259374 168593 44771 0 472739 0 0 0 0 0 0 0 0 0 0 472739 0 11 2024 54 49 427968 427968 0 0 855935 0 0 0 0 0 0 0 0 0 0 855935 0 12 2025 55 50 470764 470764 151090 75545 1017074 0 0 0 0 0 0 0 0 0 0 1017074 0 13 2026 56 51 517841 517841 53323 0 1089005 0 0 0 0 0 0 0 0 0 0 1089005 0 14 2027 57 52 1356542 759500 0 271308 1844734 0 0 0 937500 1207923 0 2145423 2145423 0 0 1844734 2145423 15 2028 58 53 0 835450 0 0 835450 0 0 0 0 0 0 0 0 0 0 835450 0 16 2029 59 54 0 918995 63509 0 982503 0 0 0 1034400 0 0 1034400 1034400 0 0 982503 1034400 17 2030 60 55 0 4584037 0 3438027 1146009 0 0 0 0 0 0 0 0 0 0 1146009 0 18 2031 61 56 0 0 0 0 0 0 0 0 0 0 0 0 0 25179293 15176675 25179293 15176675 19 2032 62 57 0 0 15354917 0 15354917 0 0 0 0 0 0 0 0 1485272 0 16840190 0 20 2033 63 58 0 1326649 0 928654 397995 0 0 0 0 0 0 0 0 1631542 0 2029536 0 21 2034 64 59 0 0 0 0 0 0 0 0 0 0 0 0 0 1789430 0 1789430 0 22 2035 65 60 0 0 180177 0 180177 0 0 0 0 0 0 0 0 1959888 0 2140064 0 23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 0 0 2143941 0 2143941 0 24 2037 67 62 0 0 5000000 0 5000000 0 0 0 0 0 0 0 0 2342706 0 7342706 0 25 2038 68 63 0 0 214594 0 214594 0 0 0 0 0 0 0 0 2557391 0 2771985 0 26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0 0 2789306 0 2789306 0 27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 0 0 3039872 0 3039872 0 28 2041 71 66 0 0 255584 0 255584 0 0 0 0 0 0 0 0 3310629 0 3566214 0 29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3603250 0 3603250 0 30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3919547 0 3919547 0 31 2044 74 69 0 0 304405 0 304405 0 0 0 0 0 0 0 0 4261488 0 4565893 0 32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 0 0 4631207 0 4631207 0 33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 0 0 5031022 0 5031022 0 34 2047 77 72 0 0 362551 0 362551 0 0 0 0 0 0 0 0 5463447 0 5825998 0 35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5931213 0 5931213 0 36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 0 0 6437285 0 6437285 0 37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6984881 0 6984881 0 38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Amount Of Future Need / Dreams / Retirement Need Etc. Regular Income from Debt Investment (Other than MF) Mutual Fund Regular Withdrawal (SWP) Income from Investment Total inflow through Interest / Sys. Withdrawal from Investment Account Inflow through Maturity Proceeds. Investments Account Total Income / Maturity Proceeds Amount from Traditional Plan Aggregate Amt. of Need & Fund Required Net Total Amount of Goal Funding (Other than Retirement Need) Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Investments. ( For Other than Retirement Need ) Retirement Need Total Inflow throgh Maturity Proceeds & Investment Income, Retirement Fund Etc. Summary Data - For Child Future Need / Other Future Need & Dreams / Retirement Needs & Funds available through Maturity proceeds of Investment / Interest Income & Retirement Benefit / PPF A/c. Etc. Total Amount of Goal Funding to be from Sale of Assets & Future Loan - Rs. Child Future Planning - Future Need for Ankita Patel Child Future Planning - Future Need for Nikunj Patel Future Financial Need & Dream Total Amount - Post Retirement Expenses & Funding Need - Rs. Retirement Benefit / Investment Maturity proceeds of Retirement Account Total inflow through Maturity proceeds of Investment Account Total Inflow - Investment Income & Maturity Proceeds of Investment Account Net Amount to be required from Financial Investment Portfolio - Rs. Total Income / Maturity Proceeds Amount from Unit Linked Plan Total Amount of Maturity Proceeds from Postal Schemes / Bonds - NCD / FDR
Year Sr. No. upto Retireme nt Year Age Opening Balance ( Investments in Direct Equity & MF) ( 1 ) C/F - Cash - Net Balance - From Earning Cash Flow ( 2 ) Inflow of Maturity Amount (See Annexure ) ( 3 ) Net Flow During the Year (4) (2+3) Available Balance for Funding ( 5 ) (1+4) Fund Require for - Future Financial Need / Goals ( 6 ) Balance After Fundings ( 7 ) ( 5-6 ) Opening Balance of SIP A/c. at Each Year ( 8 ) Possible Goal fundings from SIP Corpus ( 9 ) ( 8-7) SIP Balance After Fundings ( 10 ) ( 8-9) Outstanding / Shortfall of Goal Amount ( 11 ) ( 7-9) Weighted Average Rate of Return ( Stock + MF Portfolio) ( 11 ) Return on Balance Amount (13) ( 7 x 12) Closing Balance ( On Cash Basis) (14) (7+13) Possible Goal Achievement (Financial Investment) Amt. Rs. Possible Goal Achievement %wise Shortfall in Goal Amt. Rs. Shortfall in Goal %wise Primary Cash Flow Shortfall 0 2013 43 1691868 0 188723 188723 1880591 110000 1770591 0 0 94883 0 0.00% 0 1770591 56708977 44% 72327058 56% 0 1 2014 44 1770591 101929 544344 646274 2416865 55000 2361865 94883 0 227326 0 9.20% 217289 2579154 55000 100% 0 0% 0 2 2015 45 2579154 17441 1258850 1276291 3855445 60500 3794945 227326 0 394081 0 9.20% 349131 4144076 60500 100% 0 0% 0 3 2016 46 4144076 124771 788747 913518 5057594 66550 4991044 394081 0 600663 0 9.20% 459171 5450215 66550 100% 0 0% 0 4 2017 47 5450215 131022 161446 292468 5742683 131769 5610914 600663 0 853476 0 9.44% 529632 6140546 131769 100% 0 0% 0 5 2018 48 6140546 201439 0 201439 6341986 1483171 4858814 853476 0 1159950 0 9.44% 458639 5317453 1483171 100% 0 0% 0 6 2019 49 5317453 25979 175800 201779 5519232 159440 5359792 1159950 0 1528713 0 9.44% 505928 5865720 159440 100% 0 0% 0 7 2020 50 5865720 51364 132903 184267 6049987 1430617 4619370 1528713 0 1969778 0 9.44% 436037 5055407 1430617 100% 0 0% 0 8 2021 51 5055407 -78701 0 -78701 4976706 353692 4623014 1969778 0 2494766 0 12.00% 554762 5177775 353692 100% 0 0% 0 9 2022 52 5177775 -101630 0 -101630 5076145 489012 4587134 2494766 0 3117170 0 12.00% 550456 5137590 489012 100% 0 0% 0 10 2023 53 5137590 -127322 0 -127322 5010268 472739 4537529 3117170 0 3852649 0 12.00% 544503 5082032 472739 100% 0 0% 0 11 2024 54 5082032 -57636 0 -57636 5024396 855935 4168461 3852649 0 4712871 0 12.00% 500215 4668677 855935 100% 0 0% 0 12 2025 55 4668677 -82053 0 -82053 4586624 1017074 3569550 4712871 0 5717887 0 12.00% 428346 3997896 1017074 100% 0 0% 0 13 2026 56 3997896 -331 0 -331 3997565 1089005 2908561 5717887 0 6890975 0 12.00% 349027 3257588 1089005 100% 0 0% 0 14 2027 57 3257588 212505 2145423 2357928 5615516 1844734 3770783 6890975 0 8259153 0 12.00% 452494 4223277 1844734 100% 0 0% 0 15 2028 58 4223277 -42823 0 -42823 4180454 835450 3345005 8259153 0 9847271 0 12.00% 401401 3746405 835450 100% 0 0% 0 16 2029 59 3746405 47277 1034400 1081677 4828082 982503 3845579 9847271 0 11690687 0 12.00% 461469 4307048 982503 100% 0 0% 0 17 2030 60 4307048 30060 0 30060 4337108 1146009 3191099 11690687 0 13830440 0 12.00% 382932 3574031 1146009 100% 0 0% 0 18 2031 61 3574031 -13382 15176675 15163293 18737324 25179293 -6441969 20790007 6441969 14348037 0 8.00% 1147843 15495880 25179293 100% 0 0% 0 0 2032 62 15495880 537215 0 537215 16033095 16840190 -807095 0 0 0 807095 8.00% 0 0 16033095 95% 807095 5% 0 0 2033 63 0 1180718 0 1180718 1180718 2029536 -848819 0 0 0 848819 8.00% 0 0 1180718 58% 848819 42% 0 0 2034 64 0 587001 0 587001 587001 1789430 -1202430 0 0 0 1202430 8.00% 0 0 587001 33% 1202430 67% 0 0 2035 65 0 613781 0 613781 613781 2140064 -1526283 0 0 0 1526283 8.00% 0 0 613781 29% 1526283 71% 0 0 2036 66 0 641889 0 641889 641889 2143941 -1502052 0 0 0 1502052 8.00% 0 0 641889 30% 1502052 70% 0 0 2037 67 0 0 0 0 0 7342706 -7342706 0 0 0 7342706 8.00% 0 0 0 0% 7342706 100% 0 0 2038 68 0 0 0 0 0 2771985 -2771985 0 0 0 2771985 8.00% 0 0 0 0% 2771985 100% 0 0 2039 69 0 0 0 0 0 2789306 -2789306 0 0 0 2789306 8.00% 0 0 0 0% 2789306 100% 0 0 2040 70 0 0 0 0 0 3039872 -3039872 0 0 0 3039872 8.00% 0 0 0 0% 3039872 100% 0 0 2041 71 0 0 0 0 0 3566214 -3566214 0 0 0 3566214 8.00% 0 0 0 0% 3566214 100% 0 0 2042 72 0 0 0 0 0 3603250 -3603250 0 0 0 3603250 8.00% 0 0 0 0% 3603250 100% 0 0 2043 73 0 0 0 0 0 3919547 -3919547 0 0 0 3919547 8.00% 0 0 0 0% 3919547 100% 0 0 2044 74 0 0 0 0 0 4565893 -4565893 0 0 0 4565893 8.00% 0 0 0 0% 4565893 100% 0 0 2045 75 0 0 0 0 0 4631207 -4631207 0 0 0 4631207 8.00% 0 0 0 0% 4631207 100% 0 0 2046 76 0 0 0 0 0 5031022 -5031022 0 0 0 5031022 8.00% 0 0 0 0% 5031022 100% 0 0 2047 77 0 0 0 0 0 5825998 -5825998 0 0 0 5825998 8.00% 0 0 0 0% 5825998 100% 0 0 2048 78 0 0 0 0 0 5931213 -5931213 0 0 0 5931213 8.00% 0 0 0 0% 5931213 100% 0 0 2049 79 0 0 0 0 0 6437285 -6437285 0 0 0 6437285 8.00% 0 0 0 0% 6437285 100% 0 0 2050 80 0 0 0 0 0 6984881 -6984881 0 0 0 6984881 8.00% 0 0 0 0% 6984881 100% 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 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 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 SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing Balance Year Wise Goal Gap / Shortfall Analysis Financial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal Mapping Lumpsum - Financial Investment + Retirement Portfolio
Required Goal Amount Rs. Required Lumpsum Investment Required Amount Rs. Required Lumpsum Investment Required Goal Amount Rs. Required Lumpsum Investment Required Monthly Investment Required Amount Rs. Required Lumpsum Investment Required Monthly Investment Required Goal Amount Rs. Required Lumpsum Investment Required Regular Investment Required Amount Rs. Required Lumpsum Investment Required Regular Investment Monthly Monthly 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25000 1 / 3 91025 77812 0 0 0 0 0 0 0 0 0 0 0 0 0 0 65000 4 / 4 0 0 0 0 441668 273407 5844 0 0 0 0 0 0 0 0 0 100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0 150000 11 / 3 0 0 0 0 0 0 0 0 0 0 1416572 362540 3748 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 600000 14 / 1 0 0 0 0 0 0 0 0 0 0 1356542 277575 2372 0 0 0 91025 77812 0 0 441668 273407 5844 0 0 0 3482643 895233 9517 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25000 1 / 6 91025 77812 0 0 121154 78506 1678 0 0 0 0 0 0 0 0 0 65000 7 / 4 0 0 0 0 126667 69291 850 0 0 0 461193 165826 2208 0 0 0 150000 11 / 3 0 0 0 0 0 0 0 0 0 0 1416572 362540 3748 0 0 0 200000 14 / 3 0 0 0 0 0 0 0 0 0 0 2513944 457950 3913 0 0 0 2000000 17 / 1 0 0 0 0 0 0 0 0 0 0 4584037 667639 4876 0 0 0 500000 17 / 1 0 0 0 0 0 0 0 0 0 0 1326649 147905 1030 0 0 0 91025 77812 0 0 247821 147797 2528 0 0 0 10302395 1801861 15776 0 0 0 4000000 5 / 1 0 0 0 0 5352902 3479019 59688 0 0 0 0 0 0 0 0 0 950000 7 / 1 0 0 0 0 1628133 890645 10929 0 0 0 0 0 0 0 0 0 50000 9 / 1 0 0 0 0 0 0 0 0 0 0 99950 36043 437 0 0 0 60000 12 / 1 0 0 0 0 0 0 0 0 0 0 151090 38781 374 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 6981035 4369664 70617 0 0 0 251040 74824 811 0 0 0 6984881 17 / 1 0 0 0 0 0 0 0 0 0 0 70663066 3931403 39497 65202652 3313709 33291 100000 17 / 1 0 0 0 0 0 0 0 0 0 0 505447 65728 660 0 0 0 10000000 17 / 1 0 0 0 0 0 0 0 0 0 0 22920183 2980531 29944 0 0 0 50000 17 / 1 0 0 0 0 0 0 0 0 0 0 134639 17508 176 0 0 0 100000 17 / 1 0 0 0 0 0 0 0 0 0 0 269277 35017 352 0 0 0 0 0 0 0 0 0 0 0 0 0 94492612 7030187 70629 65202652 3313709 33291 5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 15127998 1821517 12685 580175 69857 486 5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 5000000 409735 2853 5000000 409735 2853 250007 / Every 3 Year 0 0 0 0 37591 20563 252 0 0 0 237243 46103 514 75640 9108 63 50000 17 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 1468591 95431 665 1468591 95431 665 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37591 20563 252 0 0 0 21833832 2372786 16717 7124406 584131 4068 182050 155624 0 0 7708115 4811432 79241 0 0 0 130362522 12174890 113449 72327058 3897840 37359 Financial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall Graduation & Higher Education Post Graduation & Master Degree 0 For Short Term Need - Next 3 Years -Investment required @ 8% For Full Goal Amount For Shortfall Present Cost of Goal OR Target Goal Amount Selected Financial Goal For Donation Buying A Farm House Create Wealth Domestic Tour Long Tour For start in life Marriage Expenses Buying a New House New Motor Car New Activa Scooter for Ankita New Motor Bike Retirement Corpus & Provision Future Dreams Planning For- Ankita Patel For Tour - Yatra Future Need 0 Marriage Expenses Pre-Primary & Primary Education Graduation & Higher Education Post Graduation & Master Degree 0 Secondary & Higher Sec. Education Planning For- Nikunj Patel 0 0 Today onwards - available years for Regular Investment & Funds requirement for No. of Years 0 For Medical Exp. Lumpsum Need Funds to be required to provide regular expenses from Retirement year onwards. Pre-Primary & Primary Education Secondary & Higher Sec. Education For Medium Term Need -4 to 7 Years - Investment required @9% For Long Term Need -8 to 18 Years - Investment required @12% & 19 years onwards - Post Retirement @8% For ShortfallFor Full Goal Amount For Shortfall For Full Goal Amount
0% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 100% 0% 100% 0% 0% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 0% 0% 100% 0% 8% 92% 100% 0% 100% 0% 100% 0% 100% 0% 31% 69% 96% 4% 0% 100% 72% 28% 0% 100% 0% 0% 67% 33% 48% 52% Possible Goal Achievement %wise Shortfall in Goal %wise Financial Goal Gap Analysis Future Dreams FutureFinancial Goal Retirement Planning ChildFuturePlanning Financial Goal Particulars Planning For- Ankita Patel Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Fund for - Marriage Expenses Planning For- Nikunj Patel Fund for -- Secondary & Higher Sec. Education Fund for -- Graduation & Higher Education Aggregate : Retirement Corpus & Provision Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Dream - Fund for - Buying A Farm House Dream - Fund for - Create Wealth Dream - Fund for - Domestic Tour Dream - Fund for - Long Tour FutureFinancialGoal Future Need Need - Fund for - Buying a New House Need - Fund for - New Motor Car Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike Fund for -- Post Graduation & Master Degree Fund for -- For start in life Fund for -- Marriage Expenses Fund for -- Pre-Primary & Primary Education 0 500000 1000000 1500000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 1000000 2000000 3000000 4000000 5000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 2000000 4000000 6000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 10000000 20000000 30000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0 10000000 20000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 50% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0% 50% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds
55000 60500 66550 131769 1483171 159440 1430617 353692 489012 472739 855935 1017074 1089005 1844734 835450 982503 1146009 25179293 16840190 2029536 1789430 2140064 2143941 7342706 2771985 2789306 3039872 3566214 3603250 3919547 4565893 4631207 5031022 5825998 5931213 6437285 6984881 0 5000000 10000000 15000000 20000000 25000000 30000000 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 Yearwise Amountwise Goal Gap Analysis Shortfall in Funds Funds to be available Funds to be required 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 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 Yearwise %wise Goal Gap Analysis
Navsari Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Amount Rs. Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Amount 0 91025 441668 709528 1416572 0 1356542 4015335 0 High High High High 0 High Goal Funding through Sale of Assets 0 0 0 0 0 0 271308 271308 0 25000 65000 100000 150000 0 600000 940000 Goal Funding through Future Loan 0 0 0 0 0 0 0 0 Goal Funding through Financial Investments 0 91025 441668 709528 1416572 0 1085234 3744027 Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 0% 6% Goal Shortfall 0 0 0 0 0 0 0 0 OR @Amountwise year on year 0 0 0 0 0 0 0 0% 100% 100% 100% 100% 0% 100% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0 1 4 8 11 0 14 0 2014 2017 2021 2024 0 2027 0 3 4 3 3 0 1 0 2016 2020 2023 2026 0 2027 0 1 4 8 11 0 14 0 2014 2017 2021 2024 0 2027 0 12 15 19 22 0 25 0 2014 0 0 0 0 0 0 0 0 0 0 0 0 0 91025 0 0 0 0 0 91025 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 77812 0 0 0 0 0 77812 Lumpsum 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 77812 6225 84037 0 0 0 2 2014 44 8% 84037 0 27500 0 0 0 0 0 27500 4523 61060 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 61060 0 30250 0 0 0 0 0 30250 2465 33275 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 33275 0 33275 0 0 0 0 0 33275 0 0 0 0 0 0 0 0 0 0 0 0 0 Your Selection - Planning For- Ankita Patel Required Amount This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. Required in Year / From Year Financial Goal Priority To be required in Year / Or / Goal start beginning from Year Current Cost / Expenses -You wants to provide : Inflation Effect Years left to Financial Goal Arrival Requirement up to Year Regular Investment to be required for No. of Years from today onwards Requirement for Period / Total No. of Years Regular Investment to be required up to year from today onwards Financial Goal / Requirement - will start - Child age at each goal stage ForShortTerm-GrossNeed Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Investment to be required @% 8% Pre Retirement Period Short Term Requirement (if any) Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : Goal Status Summary :: After analysing - Earnings & Investment Cash Flow Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForShortTerm-ShortfallAmt. Planning For-Ankita Patel Particulars :: Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Goal Funding through Future Loan Goal Funding through Financial Investments Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Goal (%wise ) with your Actual Cash Flow : 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
Navsari 0 0 2017 0 0 0 0 0 0 0 0 0 0 0 0 0 441668 0 0 0 0 441668 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 0 273407 0 0 0 0 273407 Lumpsum 0 0 0 0 0 0 0 0 Monthly 0 0 5844 0 0 0 0 5844 Monthly 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 273407 24607 298014 0 0 0 0 2 2014 44 9% 298014 0 0 0 0 0 0 0 0 26821 324835 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 324835 0 0 0 0 0 0 0 0 29235 354070 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 354070 0 0 0 0 0 0 0 0 31866 385937 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 385937 0 0 95167 0 0 0 0 95167 26169 316939 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 316939 0 0 104683 0 0 0 0 104683 19103 231359 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 231359 0 0 115151 0 0 0 0 115151 10459 126667 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 126667 0 0 126667 0 0 0 0 126667 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2021 2024 0 2027 0 0 0 0 0 0 0 0 0 0 709528 1416572 0 1356542 3482643 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 0 0 0 0 0 0 0 0 0 0 0 0 2021 2024 0 2027 0 0 0 0 0 0 0 0 0 0 709528 1416572 0 1356542 3482643 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 0 0 0 255117 362540 0 277575 895233 Lumpsum 0 0 0 0 0 0 0 0 Monthly 0 0 0 3397 3748 0 2372 9517 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 10156 11249 0 7149 28554 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 20208 22509 0 14392 57109 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 40014 45037 0 29123 114174 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 0 3911 4592 0 3108 11611 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 11681 13750 0 9330 34761 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 23212 27418 0 18675 69305 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 45853 54515 0 37391 137760 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 0 4483 5584 0 4025 14092 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 13389 16698 0 12053 42141 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 26606 33242 0 24042 83890 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 52546 65886 0 47831 166264 Yearly 0 0 0 0 0 0 0 0 Pre Retirement Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Post Retirement Consolidate d Requirement 9% SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> ForLongTerm-ShortfallAmt. Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Required in Year / From Year Long Term Requirement Pre Retirement Required Amount Required in Year / From Year Required Amount Consolidat ed Requireme Post Retirement Required in Year / From Year Required Amount 15% Required Amount 15% How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Lumpsum Investment to be required @% ForMediumTerm-GrossNeedForLongTerm-GrossNeed Required in Year / From Year Medium Term Requirement (if any) Investment to be required @% 12% Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Amount required to be invest after calculating & analysing future earning & Investment cash flow. ForMediumTerm-ShortfallAmt. Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Pre Retirement Period 9%
Navsari 0 0 0 255117 362540 0 277575 895233 0 0 0 0 0 0 0 0 0 0 0 3397 3748 0 2372 9517 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance N.A. Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree N.A. Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 895233 107428 1002660 0 0 0 2 2014 44 12% 1002660 0 0 0 0 0 0 0 0 120319 1122980 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 12% 1122980 0 0 0 0 0 0 0 0 134758 1257737 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 12% 1257737 0 0 0 0 0 0 0 0 150928 1408666 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 12% 1408666 0 0 0 0 0 0 0 0 169040 1577706 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 12% 1577706 0 0 0 0 0 0 0 0 189325 1767030 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 12% 1767030 0 0 0 0 0 0 0 0 212044 1979074 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 12% 1979074 0 0 0 0 0 0 0 0 237489 2216563 0 0 0 0 0 0 0 0 0 0 0 9 2021 51 12% 2216563 0 0 0 214359 0 0 0 214359 240264 2242468 0 0 0 0 0 0 0 0 0 0 0 10 2022 52 12% 2242468 0 0 0 235795 0 0 0 235795 240801 2247474 0 0 0 0 0 0 0 0 0 0 0 11 2023 53 12% 2247474 0 0 0 259374 0 0 0 259374 238572 2226672 0 0 0 0 0 0 0 0 0 0 0 12 2024 54 12% 2226672 0 0 0 0 427968 0 0 427968 215845 2014549 0 0 0 0 0 0 0 0 0 0 0 13 2025 55 12% 2014549 0 0 0 0 470764 0 0 470764 185254 1729039 0 0 0 0 0 0 0 0 0 0 0 14 2026 56 12% 1729039 0 0 0 0 517841 0 0 517841 145344 1356542 0 0 0 0 0 0 0 0 0 0 0 15 2027 57 12% 1356542 0 0 0 0 0 0 1356542 1356542 0 0 0 0 0 0 0 0 0 0 0 0 0 16 2028 58 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 17 2029 59 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 2030 60 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19 2031 61 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 2032 62 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 21 2033 63 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 22 2034 64 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 2035 65 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24 2036 66 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25 2037 67 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26 2038 68 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 27 2039 69 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28 2040 70 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29 2041 71 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 2042 72 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 31 2043 73 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 32 2044 74 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 2045 75 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34 2046 76 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35 2047 77 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lump sum Investment to be required for each Goal ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Monthly Investment (up to Goal Start ) to be required for each Goal
Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Amount Rs. Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Amount 0 212179 587860 1416572 2513944 4584037 1326649 10641241 0 High High High High High High Goal Funding through Sale of Assets 0 0 0 0 0 2292018 928654 3220673 0 25000 65000 150000 200000 2000000 500000 2940000 Goal Funding through Future Loan 0 0 0 0 0 1146009 0 1146009 Goal Funding through Financial Investments 0 212179 587860 1416572 2513944 1146009 397995 6274559 Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 5% 5% Goal Shortfall 0 0 0 0 0 0 0 0 OR @Amountwise year on year 0 0 0 0 0 0 0 0% 100% 100% 100% 100% 100% 100% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0 1 7 11 14 17 20 0 2014 2020 2024 2027 2030 2033 0 6 4 3 3 1 1 0 2019 2023 2026 2029 2030 2033 0 1 7 11 14 17 17 0 2014 2020 2024 2027 2030 2030 0 9 15 19 22 25 28 0 2014 0 0 0 0 0 0 0 0 0 0 0 0 0 91025 0 0 0 0 0 91025 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 77812 0 0 0 0 0 77812 Lumpsum 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 77812 6225 84037 0 0 0 2 2014 44 8% 84037 0 27500 0 0 0 0 0 27500 4523 61060 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 61060 0 30250 0 0 0 0 0 30250 2465 33275 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 33275 0 33275 0 0 0 0 0 33275 0 0 0 0 0 0 0 0 0 0 0 0 0 Your Selection - Planning For- Nikunj Patel Financial Goal Priority Current Cost / Expenses -You wants to provide : Years left to Financial Goal Arrival This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. To be required in Year / Or / Goal start beginning from Year Requirement for Period / Total No. of Years Requirement up to Year Regular Investment to be required for No. of Years from today onwards Regular Investment to be required up to year from today onwards Investment to be required @% Short Term Requirement (if any) Pre Retirement Period 8% Required in Year / From Year Required Amount Planning For-Nikunj Patel ForShortTerm-GrossNeed Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Inflation Effect Financial Goal / Requirement - will start - Child age at each goal stage How much shortfall in your future goal & amount required to be invest for shortfall in goal? Goal Status Summary :: After analysing - Earnings & Investment Cash Flow Particulars :: Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Goal Funding through Future Loan Goal Funding through Financial Investments Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Goal (%wise ) with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : ForShortTerm-ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
0 2017 2020 0 0 0 0 0 0 0 0 0 0 0 0 121154 126667 0 0 0 0 247821 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 78506 69291 0 0 0 0 147797 Lumpsum 0 0 0 0 0 0 0 0 Monthly 0 1678 850 0 0 0 0 2528 Monthly 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 147797 13302 161099 0 0 0 0 2 2014 44 9% 161099 0 0 0 0 0 0 0 0 14499 175598 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 175598 0 0 0 0 0 0 0 0 15804 191402 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 191402 0 0 0 0 0 0 0 0 17226 208628 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 208628 0 36603 0 0 0 0 0 36603 15482 187508 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 187508 0 40263 0 0 0 0 0 40263 13252 160497 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 160497 0 44289 0 0 0 0 0 44289 10459 126667 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 126667 0 0 126667 0 0 0 0 126667 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2021 2024 2027 2030 0 0 0 0 0 0 0 0 0 0 461193 1416572 2513944 4584037 0 8975746 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2033 0 0 0 0 0 0 0 0 0 0 0 0 0 1326649 1326649 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 2021 2024 2027 2030 2033 0 0 0 0 0 0 0 0 0 461193 1416572 2513944 4584037 1326649 10302395 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 0 0 165826 362540 457950 667639 147905 1801861 Lumpsum 0 0 0 0 0 0 0 0 Monthly 0 0 2208 3748 3913 4876 1030 15776 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 6601 11249 11795 14763 3123 47531 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 13135 22509 23745 29912 6342 95643 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 26009 45037 48047 61254 13042 193389 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 2542 4592 5128 6863 1486 20611 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 7592 13750 15394 20657 4477 61870 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 15088 27418 30810 41509 9008 123833 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 29805 54515 61689 83727 18216 247952 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 2914 5584 6641 9500 2105 26743 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 8703 16698 19886 28491 6315 80093 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 17294 33242 39666 56947 12632 159780 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 34155 65886 78913 113744 25265 317964 Yearly 0 0 0 0 0 0 0 0 Pre Retirement Post Retirement Consolidate d Requirement Required in Year / From Year Required Amount Pre Retirement Post Retirement How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? ForMediumTerm-ShortfallAmt. Medium Term Requirement (if any) Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. ForLongTerm-GrossNeed Required Amount Investment to be required @% 15% Pre Retirement Period Required in Year / From Year Required in Year / From Year Required Amount 9% 15% Long Term Requirement Consolidat ed Requireme Lumpsum Investment to be required @% Required in Year / From Year Required Amount Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Amount required to be invest after calculating & analysing future earning & Investment cash flow. ForLongTerm-ShortfallAmt. Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. ForMediumTerm-GrossNeed Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. 12% 9%
0 0 165826 362540 457950 667639 147905 1801861 0 0 0 0 0 0 0 0 0 0 2208 3748 3913 4876 1030 15776 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance N.A. Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 1801861 216223 2018084 0 0 0 2 2014 44 12% 2018084 0 0 0 0 0 0 0 0 242170 2260254 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 12% 2260254 0 0 0 0 0 0 0 0 271230 2531484 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 12% 2531484 0 0 0 0 0 0 0 0 303778 2835262 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 12% 2835262 0 0 0 0 0 0 0 0 340231 3175494 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 12% 3175494 0 0 0 0 0 0 0 0 381059 3556553 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 12% 3556553 0 0 0 0 0 0 0 0 426786 3983340 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 12% 3983340 0 0 0 0 0 0 0 0 478001 4461340 0 0 0 0 0 0 0 0 0 0 0 9 2021 51 12% 4461340 0 0 139333 0 0 0 0 139333 518641 4840648 0 0 0 0 0 0 0 0 0 0 0 10 2022 52 12% 4840648 0 0 153267 0 0 0 0 153267 562486 5249867 0 0 0 0 0 0 0 0 0 0 0 11 2023 53 12% 5249867 0 0 168593 0 0 0 0 168593 609753 5691027 0 0 0 0 0 0 0 0 0 0 0 12 2024 54 12% 5691027 0 0 0 427968 0 0 0 427968 631567 5894626 0 0 0 0 0 0 0 0 0 0 0 13 2025 55 12% 5894626 0 0 0 470764 0 0 0 470764 650863 6074725 0 0 0 0 0 0 0 0 0 0 0 14 2026 56 12% 6074725 0 0 0 517841 0 0 0 517841 666826 6223711 0 0 0 0 0 0 0 0 0 0 0 15 2027 57 12% 6223711 0 0 0 0 759500 0 0 759500 655705 6119916 0 0 0 0 0 0 0 0 0 0 0 16 2028 58 12% 6119916 0 0 0 0 835450 0 0 835450 634136 5918603 0 0 0 0 0 0 0 0 0 0 0 17 2029 59 12% 5918603 0 0 0 0 918995 0 0 918995 599953 5599561 0 0 0 0 0 0 0 0 0 0 0 18 2030 60 12% 5599561 0 0 0 0 0 4584037 0 4584037 121863 1137388 0 0 0 0 0 0 0 0 0 0 0 19 2031 61 8% 1137388 0 0 0 0 0 0 0 0 90991 1228379 0 0 0 0 0 0 0 0 0 0 0 20 2032 62 8% 1228379 0 0 0 0 0 0 0 0 98270 1326649 0 0 0 0 0 0 0 0 0 0 0 21 2033 63 8% 1326649 0 0 0 0 0 0 1326649 1326649 0 0 0 0 0 0 0 0 0 0 0 0 0 22 2034 64 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 2035 65 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24 2036 66 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25 2037 67 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26 2038 68 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 27 2039 69 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28 2040 70 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29 2041 71 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 2042 72 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 31 2043 73 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 32 2044 74 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 2045 75 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34 2046 76 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35 2047 77 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lump sum Investment to be required for each Goal Monthly Investment (up to Goal Start ) to be required for each Goal ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt.
Need- Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Amount Rs. Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Amount 5352902 1628133 99950 151090 0 0 7232076 High Medium High High 0 0 Goal Funding through Sale of Assets 3190704 76528 0 3389 0 0 3270621 4000000 950000 50000 60000 0 0 5060000 Goal Funding through Future Loan 823973 411912 0 72156 0 0 1308041 Goal Funding through Financial Investments 1338226 1139693 99950 75545 0 0 2653414 Goal Cost / Expenses Will Grow @% wise 6% 8% 8% 8% 0% 0% Goal Shortfall 0 0 0 0 0 0 0 OR @Amountwise year on year 0 0 0 0 0 0 100% 100% 100% 100% 0% 0% 100% 0% 0% 0% 0% 0% 0% 0% 5 7 9 12 0 0 2018 2020 2022 2025 0 0 1 1 1 1 0 0 2018 2020 2022 2025 0 0 5 7 9 12 0 0 2018 2020 2022 2025 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 Lumpsum 0 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Need- Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 0 0 0 0 0 0 2 2014 44 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Goal Funding through Future Loan Goal Funding through Financial Investments Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Goal (%wise ) with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : Goal Status Summary :: After analysing - Earnings & Investment Cash Flow Particulars :: Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForShortTerm-GrossNeed ForShortTerm-ShortfallAmt. Required in Year / From Year Required Amount Investment to be required @% Short Term Requirement (if any) Pre Retirement Period 8% Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. To be required in Year / Or / Goal start beginning from Year Requirement for Period / Total No. of Years Requirement up to Year Regular Investment to be required for No. of Years from today onwards Regular Investment to be required up to year from today onwards Your Selection for Financial Need Financial Goal Priority Current Cost / Expenses -You wants to provide : Inflation Effect Years left to Financial Goal Arrival Analysis & Cash Flow Statement 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
2018 2020 0 0 0 0 0 0 0 0 0 0 5352902 1628133 0 0 0 0 6981035 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 3479019 890645 0 0 0 0 4369664 Lumpsum 0 0 0 0 0 0 0 Monthly 59688 10929 0 0 0 0 70617 Monthly 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Need- Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance 0 Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 4369664 393270 4762933 0 0 0 0 2 2014 44 9% 4762933 0 0 0 0 0 0 0 428664 5191598 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 5191598 0 0 0 0 0 0 0 467244 5658841 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 5658841 0 0 0 0 0 0 0 509296 6168137 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 6168137 0 0 0 0 0 0 0 555132 6723269 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 6723269 5352902 0 0 0 0 0 5352902 123333 1493700 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 1493700 0 0 0 0 0 0 0 134433 1628133 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 1628133 0 1628133 0 0 0 0 1628133 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2022 2025 0 0 0 0 0 0 0 0 0 0 0 99950 151090 0 0 0 251040 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 0 0 0 0 0 0 0 2022 2025 0 0 0 0 0 0 0 0 0 0 0 99950 151090 0 0 0 251040 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 0 0 36043 38781 0 0 0 74824 Lumpsum 0 0 0 0 0 0 0 Monthly 0 0 437 374 0 0 0 811 Monthly 0 0 0 0 0 0 0 Quarterly 0 0 1307 1125 0 0 0 2433 Quarterly 0 0 0 0 0 0 0 Half Yearly 0 0 2606 2256 0 0 0 4862 Half Yearly 0 0 0 0 0 0 0 Yearly 0 0 5178 4530 0 0 0 9708 Yearly 0 0 0 0 0 0 0 Monthly 0 0 0 513 469 0 0 982 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 1534 1405 0 0 2939 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 3051 2805 0 0 5856 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 6040 5590 0 0 11630 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 0 599 582 0 0 1181 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 1791 1741 0 0 3532 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 3562 3468 0 0 7030 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 7042 6882 0 0 13925 Yearly 0 0 0 0 0 0 0 0 Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForMediumTerm-GrossNeed ForMediumTerm-ShortfallAmt. Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Amount required to be invest after calculating & analysing future earning & Investment cash flow. Pre Retirement Post Retirement Consolidate d Requirement Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> 12% 9% Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Required in Year / From Year Required in Year / From Year Required Amount Pre Retirement Post Retirement Consolidated Requirement Lumpsum Investment to be required @% 15% 9% 15% Medium Term Requirement (if any) Required in Year / From Year Required Amount Investment to be required @% Required Amount Required in Year / From Year Required Amount Long Term Requirement Pre Retirement Period How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost?
0 0 0 36043 38781 0 0 74824 0 0 0 0 0 0 0 0 0 0 0 437 374 0 0 811 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Need- Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike N.A. N.A. Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 74824 8979 83803 0 0 0 2 2014 44 12% 83803 0 0 0 0 0 0 0 10056 93859 0 0 0 0 0 0 0 0 0 0 3 2015 45 12% 93859 0 0 0 0 0 0 0 11263 105123 0 0 0 0 0 0 0 0 0 0 4 2016 46 12% 105123 0 0 0 0 0 0 0 12615 117737 0 0 0 0 0 0 0 0 0 0 5 2017 47 12% 117737 0 0 0 0 0 0 0 14128 131866 0 0 0 0 0 0 0 0 0 0 6 2018 48 12% 131866 0 0 0 0 0 0 0 15824 147690 0 0 0 0 0 0 0 0 0 0 7 2019 49 12% 147690 0 0 0 0 0 0 0 17723 165412 0 0 0 0 0 0 0 0 0 0 8 2020 50 12% 165412 0 0 0 0 0 0 0 19849 185262 0 0 0 0 0 0 0 0 0 0 9 2021 51 12% 185262 0 0 0 0 0 0 0 22231 207493 0 0 0 0 0 0 0 0 0 0 10 2022 52 12% 207493 0 0 99950 0 0 0 99950 12905 120448 0 0 0 0 0 0 0 0 0 0 11 2023 53 12% 120448 0 0 0 0 0 0 0 14454 134902 0 0 0 0 0 0 0 0 0 0 12 2024 54 12% 134902 0 0 0 0 0 0 0 16188 151090 0 0 0 0 0 0 0 0 0 0 13 2025 55 12% 151090 0 0 0 151090 0 0 151090 0 0 0 0 0 0 0 0 0 0 0 0 14 2026 56 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 2027 57 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 2028 58 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 17 2029 59 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 2030 60 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19 2031 61 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 2032 62 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 21 2033 63 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 22 2034 64 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 2035 65 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24 2036 66 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25 2037 67 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26 2038 68 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 27 2039 69 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28 2040 70 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29 2041 71 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 2042 72 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 31 2043 73 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 32 2044 74 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 2045 75 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34 2046 76 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35 2047 77 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Lump sum Investment to be required for each Goal Monthly Investment (up to Goal Start ) to be required for each Goal
Year Age 2013 43 %wise OR Amount wise ( In Years) 2030 60 40200 6% 0 17 2030 108249 50% 0 54125 156500 7% 0 17 2030 494355 0% 0 494355 82600 8% 0 17 2030 305621 0% 0 305621 98100 8% 0 17 2030 362972 0% 0 362972 52500 10% 0 17 2030 265360 0% 0 265360 61050 10% 0 17 2030 308575 50% 0 154288 490950 1845132 Reduction >> 11% 1636720 Retirement Year Retirement Age 30232351 33165279 36519067 2030 60 %wise Amt.wise %wise OR Amt.wise Age Upto Yr. 54125 6% 0 0 412563 0% 0 80 2050 494355 7% 0 0 0 0% 0 80 2050 305621 8% 0 0 0 0% 0 80 2050 10% 0 505447 505447 505447 362972 8% 0 0 0 0% 0 80 2050 5% 0 22920183 22920183 22920183 265360 10% 0 0 0 0% 0 80 2050 6% 0 134639 134639 134639 Year Age 154288 5% 0 80 2050 6% 0 269277 269277 269277 2050 80 1636720 23829546 23829546 23829546 1224157 54061897 56994825 60348613 Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Amount Rs. Funds to be required to provide regular expenses from Retirement year Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Amount High High High Low Optional 70663066 505447 22920183 134639 269277 94492612 490950 100000 10000000 50000 100000 10740950 Goal Funding through Investment 5460413 505447 22920183 134639 269277 29289959 Goal Cost / Expenses Will Grow @% wise As mentioned 10% 5% 6% 6% Goal Shortfall 65202652 0 0 0 0 65202652 OR @Amountwise year on year in above sheet 8% 100% 100% 100% 100% 31% 17 17 17 17 17 92% 0% 0% 0% 0% 69% 2030 2030 2030 2030 2030 1 1 1 1 1 2030 2030 2030 2030 2030 17 17 17 17 17 2030 2030 2030 2030 2030Regular Investment to be required up to year from today onwards Your Selection for Retirement Need Financial Goal Priority Current Cost / Expenses -You wants to provide : Inflation Effect Years left to Financial Goal Arrival To be required in Year / Or / Goal start beginning from Year Requirement for Period / Total No. of Years Requirement up to Year Regular Investment to be required for No. of Years from today onwards Less : Retirement Income - Rs. 412563 Inflation effect after retirementRetirement year onwards Expenses / Particulars Life ExpectancyRetirement Income from / Source Retirement Income will rise Housing Expenses Personal Expenses Retirement Income Amount Rs. 412563 Total Amount Rs. Current Expenses / Particulars Expenses Amount Rs. Current Year Retirement Year Expenses at Retirement - Rs. Entertainment Expenses Personal Expenses Housing Expenses Final Expenses Amount - Retirement Year Onwards Current Age Health Expenses After Ret.you will be able to reduce lump sum expenses %wise OR Amt. wise Total Amount Rs. Living Expenses Pre - Retirement Expenses Details Post - Retirement Income -Expenses Details Inflation effect on Expenses Retirement Period Food Expenses 1636720 Retirement year onwards Expenses Retirement year onwards Income Food Expenses Living Expenses Health Expenses Entertainment Expenses Expenses Amount at Retirement Life Expectancy 20 Total Period in Years 1224157 1224157 Calculation of Post Retirement Corpus with 3 scenario @different rate of return At Retirement will Rise @ % Or Amt. wise Cost Inflation Total corpus to be required at retirement to cover post retirement expenses & Additional provisional fund requirement (if any) Add : Additional Requirement at Retirement For Medical Exp. Lumpsum Need For Tour - Yatra For Donation 10000000 100000 50000 100000 Current Cost OR Target Amount Gross Retirement Corpus Need -Calculation Sheet Amount needed in year Goal Status : Particulars Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. Net Expenses Rs. : ( Retirement onwards Expenses - Income ) - to be required at start of retirement period Aggressive Rate (%) Moderate Rate (%) Conservativ e Rate (%) Total corpus to be required for retirement period ( upto 20 years) to cover post retirement expenses Requirement duration : Total No. of Years ( Retirement Year to Life Expectancy Year ) 20 20 20 Post Retirement - Expected Rate of Return on Retirement Corpus Expenses amount at retirement year onwards ( As per Income - Expenses calculation sheet) 8% 7% 6% 1224157 0 2000000 4000000 6000000 8000000 Pre -Retirement Expenses Post -Retirement Expenses 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Goal Funding through Investment Goal Shortfall
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 Lumpsum 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Funds to be required to provide regular expenses from Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Funds to be required to provide regular expenses Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 0 0 0 0 0 0 2 2014 44 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 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 0 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 Monthly 0 0 0 0 0 0 Monthly 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Funds to be required to provide regular expenses from Retirement Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance 0 Funds to be required to provide regular expenses from Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 0 0 0 0 0 0 0 2 2014 44 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 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 2031 2031 2031 2031 2031 0 2031 0 0 0 0 70663066 505447 22920183 134639 269277 0 94492612 65202652 0 0 0 0 65202652 0 0 0 0 0 0 0 0 0 0 0 0 0 2031 2031 2031 2031 2031 0 2031 0 0 0 0 70663066 505447 22920183 134639 269277 0 94492612 65202652 0 0 0 0 65202652 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 3931403 65728 2980531 17508 35017 0 7030187 Lumpsum 3313709 0 0 0 0 3313709 Monthly 39497 660 29944 176 352 0 70629 Monthly 33291 0 0 0 0 33291 Quarterly 118993 1989 90213 530 1060 0 212786 Quarterly 100297 0 0 0 0 100297 Half Yearly 239430 4003 181520 1066 2133 0 428152 Half Yearly 201811 0 0 0 0 201811 Yearly 484185 8095 367077 2156 4313 0 865826 Yearly 408111 0 0 0 0 408111 Monthly 49924 835 37849 222 445 89275 Monthly 42080 0 0 0 0 42080 Quarterly 149957 2507 113688 668 1336 268156 Quarterly 126396 0 0 0 0 126396 Half Yearly 300436 5023 227771 1338 2676 537244 Half Yearly 253232 0 0 0 0 253232 Yearly 602729 10077 456950 2684 5368 1077809 Yearly 508030 0 0 0 0 508030 Monthly 62556 1046 47426 279 557 111863 Monthly 52727 0 0 0 0 52727 Quarterly 187524 3135 142169 835 1670 335334 Quarterly 158061 0 0 0 0 158061 Half Yearly 374616 6263 284009 1668 3337 669893 Half Yearly 315757 0 0 0 0 315757 Yearly 747470 12497 566682 3329 6658 1336635 Yearly 630029 0 0 0 0 630029 ForShortTerm-GrossNeedForMediumTerm-GrossNeed Required in Year / From Year Required Amount Investment to be required @% 8% Medium Term Requirement (if any) Required in Year / From Year Required Amount Investment to be required @% Short Term Requirement (if any) Pre Retirement Period Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Lumpsum Investment to be required @% Required Amount Required in Year / From Year 12% Post Retirement Consolidate d Requiremen Pre Retirement Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForShortTerm- ShortfallAmt. Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForMediumTerm -ShortfallAmt. 15% Pre Retirement Period 9% Amount required to be invest after calculating & analysing future earning & Investment cash flow. ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. 10% 8% Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Long Term Requirement Pre Retirement Post Retirement Consolidated Requirement Required Amount Required in Year / From Year Required Amount Required in Year / From Year Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
0 3931403 65728 2980531 17508 35017 7030187 0 3313709 0 0 0 0 3313709 0 39497 660 29944 176 352 70629 0 33291 0 0 0 0 33291 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 7030187 843622 7873809 3313709 397645 3711354 2 2014 44 12% 7873809 0 0 0 0 0 0 944857 8818667 3711354 0 0 0 0 0 0 445362 4156716 3 2015 45 12% 8818667 0 0 0 0 0 0 1058240 9876906 4156716 0 0 0 0 0 0 498806 4655522 4 2016 46 12% 9876906 0 0 0 0 0 0 1185229 11062135 4655522 0 0 0 0 0 0 558663 5214185 5 2017 47 12% 11062135 0 0 0 0 0 0 1327456 12389592 5214185 0 0 0 0 0 0 625702 5839887 6 2018 48 12% 12389592 0 0 0 0 0 0 1486751 13876342 5839887 0 0 0 0 0 0 700786 6540673 7 2019 49 12% 13876342 0 0 0 0 0 0 1665161 15541504 6540673 0 0 0 0 0 0 784881 7325554 8 2020 50 12% 15541504 0 0 0 0 0 0 1864980 17406484 7325554 0 0 0 0 0 0 879067 8204621 9 2021 51 12% 17406484 0 0 0 0 0 0 2088778 19495262 8204621 0 0 0 0 0 0 984554 9189175 10 2022 52 12% 19495262 0 0 0 0 0 0 2339431 21834694 9189175 0 0 0 0 0 0 1102701 10291876 11 2023 53 12% 21834694 0 0 0 0 0 0 2620163 24454857 10291876 0 0 0 0 0 0 1235025 11526901 12 2024 54 12% 24454857 0 0 0 0 0 0 2934583 27389440 11526901 0 0 0 0 0 0 1383228 12910130 13 2025 55 12% 27389440 0 0 0 0 0 0 3286733 30676172 12910130 0 0 0 0 0 0 1549216 14459345 14 2026 56 12% 30676172 0 0 0 0 0 0 3681141 34357313 14459345 0 0 0 0 0 0 1735121 16194467 15 2027 57 12% 34357313 0 0 0 0 0 0 4122878 38480191 16194467 0 0 0 0 0 0 1943336 18137802 16 2028 58 12% 38480191 0 0 0 0 0 0 4617623 43097813 18137802 0 0 0 0 0 0 2176536 20314339 17 2029 59 12% 43097813 0 0 0 0 0 0 5171738 48269551 20314339 0 0 0 0 0 0 2437721 22752059 18 2030 60 12% 48269551 0 0 0 0 0 0 5792346 54061897 22752059 0 0 0 0 0 0 2730247 25482307 19 2031 61 8% 54061897 1349747 505447 22920183 134639 269277 25179293 2310608 31193213 25482307 0 0 0 0 0 0 2038585 27520891 20 2032 62 8% 31193213 1485272 0 0 0 0 1485272 2376635 32084575 27520891 0 0 0 0 0 0 2201671 29722562 21 2033 63 8% 32084575 1631542 0 0 0 0 1631542 2436243 32889276 29722562 848819 0 0 0 0 848819 2309899 31183643 22 2034 64 8% 32889276 1789430 0 0 0 0 1789430 2487988 33587834 31183643 1202430 0 0 0 0 1202430 2398497 32379711 23 2035 65 8% 33587834 1959888 0 0 0 0 1959888 2530236 34158182 32379711 1346106 0 0 0 0 1346106 2482688 33516293 24 2036 66 8% 34158182 2143941 0 0 0 0 2143941 2561139 34575380 33516293 1502052 0 0 0 0 1502052 2561139 34575380 25 2037 67 8% 34575380 2342706 0 0 0 0 2342706 2578614 34811287 34575380 2342706 0 0 0 0 2342706 2578614 34811287 26 2038 68 8% 34811287 2557391 0 0 0 0 2557391 2580312 34834208 34811287 2557391 0 0 0 0 2557391 2580312 34834208 27 2039 69 8% 34834208 2789306 0 0 0 0 2789306 2563592 34608494 34834208 2789306 0 0 0 0 2789306 2563592 34608494 28 2040 70 8% 34608494 3039872 0 0 0 0 3039872 2525490 34094111 34608494 3039872 0 0 0 0 3039872 2525490 34094111 29 2041 71 8% 34094111 3310629 0 0 0 0 3310629 2462679 33246160 34094111 3310629 0 0 0 0 3310629 2462679 33246160 30 2042 72 8% 33246160 3603250 0 0 0 0 3603250 2371433 32014343 33246160 3603250 0 0 0 0 3603250 2371433 32014343 31 2043 73 8% 32014343 3919547 0 0 0 0 3919547 2247584 30342380 32014343 3919547 0 0 0 0 3919547 2247584 30342380 32 2044 74 8% 30342380 4261488 0 0 0 0 4261488 2086471 28167364 30342380 4261488 0 0 0 0 4261488 2086471 28167364 33 2045 75 8% 28167364 4631207 0 0 0 0 4631207 1882893 25419049 28167364 4631207 0 0 0 0 4631207 1882893 25419049 34 2046 76 8% 25419049 5031022 0 0 0 0 5031022 1631042 22019070 25419049 5031022 0 0 0 0 5031022 1631042 22019070 35 2047 77 8% 22019070 5463447 0 0 0 0 5463447 1324450 17880073 22019070 5463447 0 0 0 0 5463447 1324450 17880073 36 2048 78 8% 17880073 5931213 0 0 0 0 5931213 955909 12904768 17880073 5931213 0 0 0 0 5931213 955909 12904768 37 2049 79 8% 12904768 6437285 0 0 0 0 6437285 517399 6984881 12904768 6437285 0 0 0 0 6437285 517399 6984881 38 2050 80 0% 6984881 6984881 0 0 0 0 6984881 0 0 6984881 6984881 0 0 0 0 6984881 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lump sum Investment to be required for each Goal Monthly Investment (up to Goal Start ) to be required for each Goal ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt.
54061897 56994825 60348613 8% 7% 6% Year Age 2030 60 5047975 5047975 5047975 2035 60 2545463 2545463 2545463 Total : 7593438 Total : 0 7593438 7593438 7593438 623670 623670 623670 6959567 6959567 6959567 7583237 7583237 7583237 15176675 15176675 15176675 2030 60 38885222 41818150 45171938 2013 43 38885222 41818150 45171938 38885222 41818150 45171938 38885222 41818150 45171938 Aggressive Moderate Conservative Aggressive Moderate Conservative Aggressive Moderate Conservative 8% 7% 6% 8% 7% 6% 8% 7% 6% 445871 479501 517957 622765 669737 723449 863762 928911 1003409 35654 38343 41418 51309 55179 59605 72499 77968 84221 3142125 3379121 3650124 5056618 5438015 5874140 8243424 8865186 9576168 Total Retirement Corpus to be required at Retirement : Ekta Patel Value of Retirement Benefit Corpus EPF & EPS Valuation at Retirement Retirement Ekta Patel- in 2035 12% 18 Mutual Fund -SIP Valuation (Retirement) Gratuity Value at Retirement 0 Lump sum Investment to be required total Corpus to be accumulated Investment Tenure ( Years) Samir Patel 15% 18 Current Year Current Age So, as of today how much amount to be invested to build retirement corpus 5047975 Retirement benefits corpus Samir Patel- in 2030 2545463 Moderate Separate Retirement Plan Calculation Sheet - to find Investment Need with Retirement Corpus Assumed Return - Post Retirement Assumed Return - Pre Retirement Yearly Investment to be required Monthly Investment to be required PPF Valuation of all Accounts 0 Other Investment / Retirement Corpus 18 Conservative 9% Aggressive Less : Amount receivable towards retirement benefits / other investment contributed for retirements Total value of retirement benefit corpus at Retirement Rs. :: Therefore, total amount to be accumulated at retirement year
9% 6% Samir Patel Ekta Patel Age Age Samir Patel Ekta Patel Maturity Value of other Investments Rs. Reserve Fund - Provisional Requirement Fund for Yearly Expenses 1 2013 43 38 9576168 0 0 0 9576168 0 0 9576168 9% 861855 10438023 2 2014 44 39 10438023 0 0 0 10438023 0 0 10438023 9% 939422 11377445 3 2015 45 40 11377445 0 0 0 11377445 0 0 11377445 9% 1023970 12401415 4 2016 46 41 12401415 0 0 0 12401415 0 0 12401415 9% 1116127 13517543 5 2017 47 42 13517543 0 0 0 13517543 0 0 13517543 9% 1216579 14734121 6 2018 48 43 14734121 0 0 0 14734121 0 0 14734121 9% 1326071 16060192 7 2019 49 44 16060192 0 0 0 16060192 0 0 16060192 9% 1445417 17505610 8 2020 50 45 17505610 0 0 0 17505610 0 0 17505610 9% 1575505 19081115 9 2021 51 46 19081115 0 0 0 19081115 0 0 19081115 9% 1717300 20798415 10 2022 52 47 20798415 0 0 0 20798415 0 0 20798415 9% 1871857 22670272 11 2023 53 48 22670272 0 0 0 22670272 0 0 22670272 9% 2040325 24710597 12 2024 54 49 24710597 0 0 0 24710597 0 0 24710597 9% 2223954 26934550 13 2025 55 50 26934550 0 0 0 26934550 0 0 26934550 9% 2424110 29358660 14 2026 56 51 29358660 0 0 0 29358660 0 0 29358660 9% 2642279 32000939 15 2027 57 52 32000939 0 0 0 32000939 0 0 32000939 9% 2880085 34881024 16 2028 58 53 34881024 0 0 0 34881024 0 0 34881024 9% 3139292 38020316 17 2029 59 54 38020316 0 0 0 38020316 0 0 38020316 9% 3421828 41442145 18 2030 60 55 41442145 0 0 0 41442145 0 0 41442145 9% 3729793 45171938 19 2031 61 56 45171938 7593438 0 7583237 60348613 23829546 1349747 35169320 6% 2110159 37279479 20 2032 62 57 37279479 0 0 0 37279479 0 1485272 35794207 6% 2147652 37941859 21 2033 63 58 37941859 0 0 0 37941859 0 1631542 36310317 6% 2178619 38488936 22 2034 64 59 38488936 0 0 0 38488936 0 1789430 36699506 6% 2201970 38901476 23 2035 65 60 38901476 0 0 0 38901476 0 1959888 36941589 6% 2216495 39158084 24 2036 66 61 39158084 0 0 0 39158084 0 2143941 37014143 6% 2220849 39234991 25 2037 67 62 39234991 0 0 0 39234991 0 2342706 36892285 6% 2213537 39105822 26 2038 68 63 39105822 0 0 0 39105822 0 2557391 36548431 6% 2192906 38741336 27 2039 69 64 38741336 0 0 0 38741336 0 2789306 35952030 6% 2157122 38109152 28 2040 70 65 38109152 0 0 0 38109152 0 3039872 35069280 6% 2104157 37173437 29 2041 71 66 37173437 0 0 0 37173437 0 3310629 33862808 6% 2031768 35894576 30 2042 72 67 35894576 0 0 0 35894576 0 3603250 32291326 6% 1937480 34228805 31 2043 73 68 34228805 0 0 0 34228805 0 3919547 30309258 6% 1818556 32127814 32 2044 74 69 32127814 0 0 0 32127814 0 4261488 27866326 6% 1671980 29538306 33 2045 75 70 29538306 0 0 0 29538306 0 4631207 24907099 6% 1494426 26401525 34 2046 76 71 26401525 0 0 0 26401525 0 5031022 21370503 6% 1282230 22652733 35 2047 77 72 22652733 0 0 0 22652733 0 5463447 17189286 6% 1031357 18220644 36 2048 78 73 18220644 0 0 0 18220644 0 5931213 12289430 6% 737366 13026796 37 2049 79 74 13026796 0 0 0 13026796 0 6437285 6589511 6% 395371 6984881 38 2050 80 75 6984881 0 0 0 6984881 0 6984881 0 6% 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% 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% 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% 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% 0 0 Retirement Planning : Cash Flow Statement Pre-Retirement Rate of Return on Investment :: Select Here Select Here :: Post-Retirement Rate of Return on Investment Sr. Interest Rate% Required Fund Blanace each year Retirement NeedsRetirement Benefits & Corpus Value Net_Need_Rs. Interest Amount Rs. Closing Balance Rs. Year Opening Balance Rs.
Retirement Need Retirement Corpus Interest on Balance Required Balance Each Year 0 5000000 10000000 15000000 20000000 25000000 30000000 35000000 40000000 45000000 50000000 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 9576168 10438023 11377445 12401415 13517543 14734121 16060192 17505610 19081115 20798415 22670272 24710597 26934550 29358660 32000939 34881024 38020316 41442145 45171938 37279479 37941859 38488936 38901476 39158084 39234991 39105822 38741336 38109152 37173437 35894576 34228805 32127814 29538306 26401525 22652733 18220644 13026796 6984881 Retirement Cash Flow Retirement Need Retirement Corpus Interest on Balance Required Balance Each Year
Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Amount Rs. Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Amount 15127998 5000000 274834 1468591 0 21871422 Optional Optional Medium 0 0 Goal Funding through Sale of Assets 0 0 0 0 0 0 5000000 5000000 25000 50000 0 10075000 Goal Funding through Future Loan 0 0 0 0 0 0 Goal Funding through Financial Investments 14547823 0 199194 0 0 14747017 Goal Cost / Expenses Will Grow @% wise 6% 0% 6% 6% 0% Goal Shortfall 580175 5000000 75640 1468591 0 7124406 OR @Amountwise year on year 0 0 0 0 0 96% 0% 72% 0% 0% 67% 4% 100% 28% 100% 0% 33% 19 24 7 19 0 2032 2037 2020 2032 0 1 1 13 19 0 2032 2037 2032 2050 0 17 17 7 17 0 2030 2030 2020 2030 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 Lumpsum 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 0 0 0 0 0 0 2 2014 44 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Goal Status Summary :: After analysing - Earnings & Investment Cash Flow Particulars :: Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Goal Funding through Future Loan Goal Funding through Financial Investments Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Goal (%wise ) with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : ForShortTerm-GrossNeed ForShortTerm- ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Short Term Requirement (if any) Pre Retirement Period Required in Year / From Year Required Amount Investment to be required @% 8% This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. To be required in Year / Or / Goal start beginning from Year Requirement for Period / Total No. of Years Requirement up to Year Regular Investment to be required for No. of Years from today onwards Regular Investment to be required up to year from today onwards Your Selection for Financial Dream Financial Goal Priority Current Cost / Expenses -You wants to provide : Inflation Effect Years left to Financial Goal Arrival 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Dream-Buying A Farm House Dream-Create Wealth Dream-Domestic Tour Dream-Long Tour Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
0 0 2020 0 0 0 0 0 0 0 0 0 0 37591 0 0 37591 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 0 20563 0 0 20563 Lumpsum 0 0 0 0 0 0 0 Monthly 0 0 252 0 0 252 Monthly 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance 0 Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 20563 1851 22414 0 0 0 0 2 2014 44 9% 22414 0 0 0 0 0 0 2017 24431 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 24431 0 0 0 0 0 0 2199 26630 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 26630 0 0 0 0 0 0 2397 29027 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 29027 0 0 0 0 0 0 2612 31639 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 31639 0 0 0 0 0 0 2848 34487 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 34487 0 0 0 0 0 0 3104 37591 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 37591 0 0 37591 0 0 37591 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2023 0 0 0 0 0 0 0 0 0 0 161603 0 0 0 161603 0 0 0 0 0 0 2032 2037 2032 2032 0 0 2031 2031 2031 2031 0 15127998 5000000 75640 1468591 0 0 21672229 580175 5000000 75640 1468591 0 7124406 0 0 0 0 0 0 0 0 0 0 0 0 0 2032 2037 2023 2032 0 0 2031 2031 2031 2031 0 15127998 5000000 237243 1468591 0 0 21833832 580175 5000000 75640 1468591 0 7124406 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 1821517 409735 46103 95431 0 0 2372786 Lumpsum 69857 409735 9108 95431 0 584131 Monthly 12685 2853 514 665 0 16717 Monthly 486 2853 63 665 0 4068 Quarterly 38464 8652 1540 2015 0 50672 Quarterly 1475 8652 192 2015 0 12335 Half Yearly 78109 17570 3076 4092 0 102847 Half Yearly 2996 17570 391 4092 0 25048 Yearly 160614 36129 6132 8415 0 211289 Yearly 6160 36129 803 8415 0 51506 Monthly 18300 4116 616 959 0 23991 Monthly 0 702 4116 91 959 0 5868 Quarterly 55133 12402 1844 2888 0 72266 Quarterly 0 2114 12402 276 2888 0 17680 Half Yearly 110934 24954 3672 5812 0 145372 Half Yearly 0 4254 24954 555 5812 0 35575 Yearly 224335 50462 7285 11753 0 293836 Yearly 0 8603 50462 1122 11753 0 71941 Monthly 25922 5831 734 1358 0 33845 Monthly 0 994 5831 130 1358 0 8313 Quarterly 77774 17495 2195 4075 0 101539 Quarterly 0 2983 17495 389 4075 0 24941 Half Yearly 155566 34993 4368 8150 0 203078 Half Yearly 0 5966 34993 778 8150 0 49888 Yearly 311148 69990 8646 16301 0 406086 Yearly 0 11933 69990 1556 16301 0 99780 ForMediumTerm-GrossNeed ForMediumTerm-ShortfallAmt. ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Amount required to be invest after calculating & analysing future earning & Investment cash flow. SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Consolidat ed Requireme Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Required Amount Required in Year / From Year Required Amount Required in Year / From Year Required Amount Pre Retirement Post Retirement Consolidat ed Requireme 9% 15% Long Term Requirement Medium Term Requirement (if any) Required in Year / From Year Required Amount Investment to be required @% Pre Retirement Period Required in Year / From Year Pre Retirement Post Retirement 12% 9% Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Lumpsum Investment to be required @% 15%
0 1821517 409735 46103 95431 0 2372786 0 69857 409735 9108 95431 0 584131 0 12685 2853 514 665 0 16717 0 486 2853 63 665 0 4068 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour N.A. Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 2372786 284734 2657520 584131 70096 654227 2 2014 44 12% 2657520 0 0 0 0 0 0 318902 2976423 654227 0 0 0 0 0 0 78507 732734 3 2015 45 12% 2976423 0 0 0 0 0 0 357171 3333594 732734 0 0 0 0 0 0 87928 820662 4 2016 46 12% 3333594 0 0 0 0 0 0 400031 3733625 820662 0 0 0 0 0 0 98479 919141 5 2017 47 12% 3733625 0 0 0 0 0 0 448035 4181660 919141 0 0 0 0 0 0 110297 1029438 6 2018 48 12% 4181660 0 0 0 0 0 0 501799 4683459 1029438 0 0 0 0 0 0 123533 1152971 7 2019 49 12% 4683459 0 0 0 0 0 0 562015 5245474 1152971 0 0 0 0 0 0 138356 1291327 8 2020 50 12% 5245474 0 0 0 0 0 0 629457 5874931 1291327 0 0 0 0 0 0 154959 1446286 9 2021 51 12% 5874931 0 0 0 0 0 0 704992 6579922 1446286 0 0 0 0 0 0 173554 1619841 10 2022 52 12% 6579922 0 0 0 0 0 0 789591 7369513 1619841 0 0 0 0 0 0 194381 1814222 11 2023 53 12% 7369513 0 0 44771 0 0 44771 878969 8203711 1814222 0 0 0 0 0 0 217707 2031928 12 2024 54 12% 8203711 0 0 0 0 0 0 984445 9188156 2031928 0 0 0 0 0 0 243831 2275760 13 2025 55 12% 9188156 0 0 0 0 0 0 1102579 10290735 2275760 0 0 0 0 0 0 273091 2548851 14 2026 56 12% 10290735 0 0 53323 0 0 53323 1228489 11465901 2548851 0 0 0 0 0 0 305862 2854713 15 2027 57 12% 11465901 0 0 0 0 0 0 1375908 12841810 2854713 0 0 0 0 0 0 342566 3197278 16 2028 58 12% 12841810 0 0 0 0 0 0 1541017 14382827 3197278 0 0 0 0 0 0 383673 3580952 17 2029 59 12% 14382827 0 0 63509 0 0 63509 1718318 16037636 3580952 0 0 0 0 0 0 429714 4010666 18 2030 60 12% 16037636 0 0 0 0 0 0 1924516 17962152 4010666 0 0 0 0 0 0 481280 4491946 19 2031 61 8% 17962152 0 0 0 0 0 0 1436972 19399125 4491946 0 0 0 0 0 0 359356 4851302 20 2032 62 8% 19399125 15127998 0 75640 151280 0 15354917 323537 4367744 4851302 580175 0 75640 151280 0 807095 323537 4367744 21 2033 63 8% 4367744 0 0 0 0 0 0 349419 4717163 4367744 0 0 0 0 0 0 349419 4717163 22 2034 64 8% 4717163 0 0 0 0 0 0 377373 5094536 4717163 0 0 0 0 0 0 377373 5094536 23 2035 65 8% 5094536 0 0 0 180177 0 180177 393149 5307508 5094536 0 0 0 180177 0 180177 393149 5307508 24 2036 66 8% 5307508 0 0 0 0 0 0 424601 5732109 5307508 0 0 0 0 0 0 424601 5732109 25 2037 67 8% 5732109 0 5000000 0 0 0 5000000 58569 790677 5732109 0 5000000 0 0 0 5000000 58569 790677 26 2038 68 8% 790677 0 0 0 214594 0 214594 46087 622170 790677 0 0 0 214594 0 214594 46087 622170 27 2039 69 8% 622170 0 0 0 0 0 0 49774 671944 622170 0 0 0 0 0 0 49774 671944 28 2040 70 8% 671944 0 0 0 0 0 0 53756 725700 671944 0 0 0 0 0 0 53756 725700 29 2041 71 8% 725700 0 0 0 255584 0 255584 37609 507725 725700 0 0 0 255584 0 255584 37609 507725 30 2042 72 8% 507725 0 0 0 0 0 0 40618 548343 507725 0 0 0 0 0 0 40618 548343 31 2043 73 8% 548343 0 0 0 0 0 0 43867 592210 548343 0 0 0 0 0 0 43867 592210 32 2044 74 8% 592210 0 0 0 304405 0 304405 23024 310829 592210 0 0 0 304405 0 304405 23024 310829 33 2045 75 8% 310829 0 0 0 0 0 0 24866 335696 310829 0 0 0 0 0 0 24866 335696 34 2046 76 8% 335696 0 0 0 0 0 0 26856 362551 335696 0 0 0 0 0 0 26856 362551 35 2047 77 8% 362551 0 0 0 362551 0 362551 0 0 362551 0 0 0 362551 0 362551 0 0 36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Lump sum Investment to be required for each Goal Monthly Investment (up to Goal Start ) to be required for each Goal
91025 91025 0 0 0 182050 0 0 0 0 0 0 0 0 Lumpsum 77812 77812 0 0 0 155624 Lumpsum 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 155624 12450 168074 0 0 0 2 2014 44 8% 168074 27500 27500 0 0 0 55000 9046 122120 0 0 0 0 0 0 0 0 0 3 2015 45 8% 122120 30250 30250 0 0 0 60500 4930 66550 0 0 0 0 0 0 0 0 0 4 2016 46 8% 66550 33275 33275 0 0 0 66550 0 0 0 0 0 0 0 0 0 0 0 441668 247821 6981035 0 37591 7708115 0 0 0 0 0 0 0 0 Lumpsum 273407 147797 4369664 0 20563 4811432 Lumpsum 0 0 0 0 0 0 Monthly 0 Monthly 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance 0 Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 4811432 433029 5244461 0 0 0 0 2 2014 44 9% 5244461 0 0 0 0 0 0 472001 5716462 0 0 0 0 0 0 0 0 0 3 2015 45 9% 5716462 0 0 0 0 0 0 514482 6230944 0 0 0 0 0 0 0 0 0 4 2016 46 9% 6230944 0 0 0 0 0 0 560785 6791728 0 0 0 0 0 0 0 0 0 5 2017 47 9% 6791728 95167 36603 0 0 0 131769 599396 7259356 0 0 0 0 0 0 0 0 0 6 2018 48 9% 7259356 104683 40263 5352902 0 0 5497848 158536 1920043 0 0 0 0 0 0 0 0 0 7 2019 49 9% 1920043 115151 44289 0 0 0 159440 158454 1919057 0 0 0 0 0 0 0 0 0 8 2020 50 9% 1919057 126667 126667 1628133 0 37591 1919057 0 0 0 0 0 0 0 0 0 0 0 3482643 8975746 251040 0 161603 12871032 0 0 0 0 0 0 0 1326649 0 94492612 21672229 117491489 0 0 0 65202652 7124406 72327058 0 0 3482643 10302395 251040 94492612 21833832 130362522 0 0 0 65202652 7124406 72327058 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 895233 1801861 74824 7030187 2372786 12174890 Lumpsum 0 0 0 3313709 584131 3897840 ForLongTerm GrossNeed ForLongTerm ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? ForMediumTerm-GrossNeed ForMediumTerm-ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Pre Retirement Post Retirement Consolidated Requirement Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Required Amount Required in Year / From Year Required Amount Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForShortTerm-GrossNeed ForShortTerm- ShortfallAmt. Investment to be required @% Short Term Requirement (if any) Pre Retirement Period 8% Required in Year / From Year Required Amount Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Pre Retirement Post Retirement Consolidated Requirement Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Medium Term Requirement (if any) Required in Year / From Year Required Amount Investment to be required @% Pre Retirement Period 9% 15% Required in Year / From Year Long Term Requirement Required Amount Lumpsum Investment to be required @% Required in Year / From Year
0 895233 1801861 74824 7030187 2372786 12174890 0 0 0 0 3313709 584131 3897840 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 12174890 1460987 13635877 3897840 467741 4365580 2 2014 44 12% 13635877 0 0 0 0 0 0 1636305 15272182 4365580 0 0 0 0 0 0 523870 4889450 3 2015 45 12% 15272182 0 0 0 0 0 0 1832662 17104844 4889450 0 0 0 0 0 0 586734 5476184 4 2016 46 12% 17104844 0 0 0 0 0 0 2052581 19157425 5476184 0 0 0 0 0 0 657142 6133326 5 2017 47 12% 19157425 0 0 0 0 0 0 2298891 21456316 6133326 0 0 0 0 0 0 735999 6869325 6 2018 48 12% 21456316 0 0 0 0 0 0 2574758 24031074 6869325 0 0 0 0 0 0 824319 7693644 7 2019 49 12% 24031074 0 0 0 0 0 0 2883729 26914803 7693644 0 0 0 0 0 0 923237 8616881 8 2020 50 12% 26914803 0 0 0 0 0 0 3229776 30144580 8616881 0 0 0 0 0 0 1034026 9650907 9 2021 51 12% 30144580 214359 139333 0 0 0 353692 3574907 33365794 9650907 0 0 0 0 0 0 1158109 10809016 10 2022 52 12% 33365794 235795 153267 99950 0 0 489012 3945214 36821996 10809016 0 0 0 0 0 0 1297082 12106098 11 2023 53 12% 36821996 259374 168593 0 0 44771 472739 4361911 40711169 12106098 0 0 0 0 0 0 1452732 13558830 12 2024 54 12% 40711169 427968 427968 0 0 0 855935 4782628 44637862 13558830 0 0 0 0 0 0 1627060 15185889 13 2025 55 12% 44637862 470764 470764 151090 0 0 1092619 5225429 48770672 15185889 0 0 0 0 0 0 1822307 17008196 14 2026 56 12% 48770672 517841 517841 0 0 53323 1089005 5721800 53403468 17008196 0 0 0 0 0 0 2040984 19049179 15 2027 57 12% 53403468 1356542 759500 0 0 0 2116042 6154491 57441917 19049179 0 0 0 0 0 0 2285902 21335081 16 2028 58 12% 57441917 0 835450 0 0 0 835450 6792776 63399243 21335081 0 0 0 0 0 0 2560210 23895291 17 2029 59 12% 63399243 0 918995 0 0 63509 982503 7490009 69906748 23895291 0 0 0 0 0 0 2867435 26762725 18 2030 60 12% 69906748 0 4584037 0 0 0 4584037 7838725 73161437 26762725 0 0 0 0 0 0 3211527 29974253 19 2031 61 8% 73161437 0 0 0 25179293 0 25179293 3838572 51820716 29974253 0 0 0 0 0 0 2397940 32372193 20 2032 62 8% 51820716 0 0 0 1485272 15354917 16840190 2798442 37778968 32372193 0 0 0 0 807095 807095 2525208 34090306 21 2033 63 8% 37778968 0 1326649 0 1631542 0 2958191 2785662 37606439 34090306 0 0 0 848819 0 848819 2659319 35900806 22 2034 64 8% 37606439 0 0 0 1789430 0 1789430 2865361 38682370 35900806 0 0 0 1202430 0 1202430 2775870 37474247 23 2035 65 8% 38682370 0 0 0 1959888 180177 2140064 2923384 39465690 37474247 0 0 0 1346106 180177 1526283 2875837 38823801 24 2036 66 8% 39465690 0 0 0 2143941 0 2143941 2985740 40307488 38823801 0 0 0 1502052 0 1502052 2985740 40307488 25 2037 67 8% 40307488 0 0 0 2342706 5000000 7342706 2637183 35601965 40307488 0 0 0 2342706 5000000 7342706 2637183 35601965 26 2038 68 8% 35601965 0 0 0 2557391 214594 2771985 2626398 35456378 35601965 0 0 0 2557391 214594 2771985 2626398 35456378 27 2039 69 8% 35456378 0 0 0 2789306 0 2789306 2613366 35280438 35456378 0 0 0 2789306 0 2789306 2613366 35280438 28 2040 70 8% 35280438 0 0 0 3039872 0 3039872 2579245 34819811 35280438 0 0 0 3039872 0 3039872 2579245 34819811 29 2041 71 8% 34819811 0 0 0 3310629 255584 3566214 2500288 33753885 34819811 0 0 0 3310629 255584 3566214 2500288 33753885 30 2042 72 8% 33753885 0 0 0 3603250 0 3603250 2412051 32562686 33753885 0 0 0 3603250 0 3603250 2412051 32562686 31 2043 73 8% 32562686 0 0 0 3919547 0 3919547 2291451 30934590 32562686 0 0 0 3919547 0 3919547 2291451 30934590 32 2044 74 8% 30934590 0 0 0 4261488 304405 4565893 2109496 28478193 30934590 0 0 0 4261488 304405 4565893 2109496 28478193 33 2045 75 8% 28478193 0 0 0 4631207 0 4631207 1907759 25754745 28478193 0 0 0 4631207 0 4631207 1907759 25754745 34 2046 76 8% 25754745 0 0 0 5031022 0 5031022 1657898 22381621 25754745 0 0 0 5031022 0 5031022 1657898 22381621 35 2047 77 8% 22381621 0 0 0 5463447 362551 5825998 1324450 17880073 22381621 0 0 0 5463447 362551 5825998 1324450 17880073 36 2048 78 8% 17880073 0 0 0 5931213 0 5931213 955909 12904768 17880073 0 0 0 5931213 0 5931213 955909 12904768 37 2049 79 8% 12904768 0 0 0 6437285 0 6437285 517399 6984881 12904768 0 0 0 6437285 0 6437285 517399 6984881 38 2050 80 0% 6984881 0 0 0 6984881 0 6984881 0 0 6984881 0 0 0 6984881 0 6984881 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Amount 4015335 10641241 7232076 94492612 21871422 138252686 Goal Funding through Sale of Assets271308 3220673 3270621 0 6762602 Goal Funding through Future Loan0 1146009 1308041 0 2454050 Goal Funding through Financial Investments3744027 6274559 2653414 29289959 14747017 56708977 Goal Shortfall 0 0 0 65202652 7124406 72327058 100% 100% 100% 31% 67% 48% 0% 0% 0% 69% 33% 52% Total amt. required - Monthly Total Lump sum amt. required Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : Goal Status : Particulars Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Goal Funding through Future Loan Goal Funding through Financial Investments Lump sum Investment to be required for each Goal Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Child Future - Planning For-Ankita Patel Child Future - Planning For-Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
Before Recommendation 1625000 1713000 32000 270983 2224355 8.62% 8.85% 1851701 1509931 After Recommendation 32000 270983 2224355 1851701 1509931 Proposed Changes-Cash Flow 0 0 0 0 0 Sr. No. Type of Scheme Scheme Name Holder Name Certificate No. Investment Date Regular Inflow Outflow Frequency / Mode Regular Investment Outflow Amount Regular Investment Inflow from Investment Maturity Date Maturity Period (In Years) Lumpsum Investment Amount Rs. Total Invested Amount Rs. Total Amount Payable towards Future Investment from Today Total Amount Receivable towards Interest from Today Maturity Value Rs. Interest Rate (%) Effective Rate of Return (%) Current Valuation of Investment Estimated Surrender Value of Investment Rs. Liquidate? OR Continue? Planner's Advice 1 Public Provident Fund 0 0 34534543 12/12/2006 0 0 0 11/12/2021 15.00 80000 80000 0 0 196199 8.00% 8.00% 106000 0 2 0 0 0 76688884 08/04/2009 0 0 0 07/04/2024 15.00 45000 45000 0 0 160029 8.00% 8.00% 68000 0 3 Post Office Recurring Deposit Scheme 0 Samir Patel 984321 08/07/2009 Monthly 2000 0 07/07/2014 5.00 0 88000 32000 0 147724 7.72% 7.95% 107494 96745 Continue 4 Post Office Monthly Income Scheme 0 Chhotubhai Patel 542987 04/04/2011 Monthly 0 2050 03/04/2016 5.00 300000 300000 0 77900 300000 7.91% 8.20% 300000 270000 Continue 5 Senior Citizen Savings Scheme 0 Chhotubhai Patel 2333987 03/09/2010 Quarterly 0 11250 02/09/2015 5.00 500000 500000 0 123750 500000 8.71% 9.00% 500000 450000 Continue 6 Regular Income Bonds - NCD's 0 Samir Patel 5677333 08/12/2008 Yearly 0 18000 07/12/2014 6.00 200000 200000 0 36000 200000 9.00% 9.00% 200000 180000 Continue 7 0 0 Ekta Patel 122222 09/06/2011 Monthly 0 833 08/06/2016 5.00 100000 100000 0 33333 100000 10.00% 10.47% 100000 90000 Continue 8 Post Office - Time Deposits 0 Samir Patel 566444 12/12/2010 On Maturity 0 0 11/12/2013 3.00 40000 40000 0 0 50730 8.00% 8.24% 47646 42881 Continue 9 National Savings Certificates 0 Savitaben Patel 490345 09/12/2011 On Maturity 0 0 08/12/2016 5.00 150000 150000 0 0 226380 8.40% 8.58% 165798 149218 Continue 10 Kisan Vikas Patra 0 Ekta Patel 1127894 17/06/2008 On Maturity 0 0 16/06/2016 8.58 75000 75000 0 0 150000 8.41% 8.41% 109585 98627 Continue 11 Cumulative - Growth - Bonds & NCD 0 Savitaben Patel 654789 04/08/2012 On Maturity 0 0 03/08/2017 5.00 50000 50000 0 0 86446 11.00% 11.57% 53171 47854 Continue 12 Bank Fixed Deposits > 1 Year 0 Samir Patel 347765 03/12/2011 On Maturity 0 0 02/12/2014 3.00 60000 60000 0 0 79520 9.50% 9.84% 67363 60627 Continue 13 0 0 Samir Patel 4336899 09/06/2012 On Maturity 0 0 08/06/2013 1.00 25000 25000 0 0 27327 9.00% 9.31% 26643 23979 Continue 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
Before Recommendation 1350000 200000 86386 1150863 690236 657500 2838200 5.02% 2121563 1741417 1103877 After Recommendation 300000 200000 24353 176095 0 1058500 734465 717167 578777 Proposed Changes-Cash Flow -1050000 0 -62033 -514141 -657500 -1779700 -1387098 -1024250 -525100 Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Policy Start Date Regular Premium Payment Frequency Mode Regular Insurance Premium Outflow Amount Maturity Date Maturity Period (In Years) Regular Premium Payment Term (In Years) Estimated Bonus Rate Per Rs. 1000 Sum Assured Policy Status Attached Rider (if any) Sum Assured Amount Rs. Pension Plan Value Rs. Yearly Premium Outflow Total Amount Paid towards Premium Amt. Rs. Total Amount Payable towards Future Premium from Today Total Amount Receivable towards Survival Benefit from Today Maturity Value Rs. Effective Rate of Return (%) Current Valuation of Policy / Plan. Paid UP Value of Policy / Plan - Rs. Surrender Value of Policy / Plan - Rs. Liquidate? OR Continue? Make Policy Paid Up? Planner's Recommendation 1 Regular Premium - Traditional Life Insurance Plan LIC Komal Jeevan Samir Patel 11111111 05/03/2003 Yearly 42754 04/03/2027 24 16 75 In Force 0 500000 0 42754 470294 213770 500000 937500 4.99% 882794 756250 286997 Liquidate Policy with Current Surrender Value 2 0 LIC Endowment Ekta Patel 43543543 04/04/2009 Yearly 10053 03/04/2029 20 20 40 In Force 0 200000 0 10053 50265 150795 0 368000 5.46% 90265 90000 29133 Continue to Pay Premium up to Maturity 3 0 LIC Endowment Samir Patel 6576765 20/03/2004 Yearly 8093 19/03/2029 25 25 42 In Force 0 200000 0 8093 80930 121395 0 418400 5.21% 164930 164000 53989 Liquidate Policy with Current Surrender Value 4 0 LIC Endowment Chhotubhai Patel 76876868 14/06/1985 Yearly 3300 13/06/2015 30 30 65 In Force 0 100000 0 3300 95700 3300 0 301500 6.46% 284200 285167 261612 Continue to Pay Premium up to Maturity 5 0 LIC Money Back Samir Patel 56755777 26/09/2004 Half Yearly 5593 25/09/2029 25 25 40 In Force 0 200000 0 11186 100674 178976 120000 248000 4.83% 132674 104000 31834 Liquidate Policy with Current Surrender Value 6 Regular Premium - Traditional Pension Plan LIC 0 Chhotubhai Patel 34545435 24/08/1995 Yearly 11000 23/08/2015 20 20 45 In Force 0 0 200000 11000 198000 22000 0 389000 5.16% 360000 342000 288032 Continue to Pay Premium up to Maturity 7 Single Premium - Traditional Life Insurance Plan LIC 0 0 22222222 08/07/2004 Single 0 07/07/2019 15 0 42 N.A. 0 150000 0 0 155000 0 37500 175800 3.93% 206700 0 152280 Liquidate Policy with Current Surrender Value 0 0 0 0 0 0 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
Before Recommendation 575000 0 25000 210000 350000 1340826 10.00% 7.94% 142000 138000 After Recommendation 75000 0 0 0 132903 62000 58000 Proposed Changes-Cash Flow -500000 0 -25000 -350000 -1207923 -80000 -80000 Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Policy Start Date Regular Premium Payment Frequency Mode Regular Insurance Premium Outflow Amount Maturity Date Maturity Period (In Years) Regular Premium Payment Term (In Years) Policy Status Attached Rider (if any) Sum Assured Amount Rs. Pension Plan Value Rs. Yearly Premium Outflow Total Amount Paid towards Premium Amt. Rs. Total Amount Payable towards Future Premium from Today Maturity Value Rs. Projected Growth Rate from today on ULIP / ULPP Effective Rate of Return (%) Current Valuation of Policy / Plan. Surrender Value of Policy / Plan - Rs. Liquidate? OR Continue? Make Policy Paid Up? Planner's Recommendation 1 Regular Premium - Unit Linked Insurance Plan HDFC Plan1 Samir Patel 23434433 26/09/2007 Yearly 25000 25/09/2027 20 20 In Force 0 500000 0 25000 150000 350000 1207923 10.00% 7.81% 80000 80000 Liquidate Policy with Current Surrender Value 2 Single Premium - Unit Linked Insurance Plan Bajaj Splan1 Ekta Patel 56577666 04/09/2010 Single 0 03/09/2020 10 0 N.A. 0 75000 0 0 60000 0 132903 10.00% 8.28% 62000 58000 Stay Invested & Continue 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
25/02/2013 1066500 1460138 393638 14.85% Date of Investment OR Start Date Present Investment Mode IF SIP OR SWP, Monthly Amt. of SIP OR SWP Total No. of Monthly Transaction through SIP OR SWP Investment Amount Rs. Price NAV Rs. Unit Alloted Dividend Recd. / SWP Amount Holder Name Folio No. Asset Class Scheme Type Scheme Primary Purpose Fund House Scheme Name Fund Category Fund Sub- Category No. of Units Current NAV Price Current Fund Value Rs. Net Profit / Loss CAGR (%) For >1 Year Abs. Ret. For <1 Year 31/10/2007 Lumpsum 0 0 25000 97.25 257.07 0 Samir Patel 4565464565 Equity Open Ended Growth Birla Birla Sun Life MIDCAP Fund-Growth Equity Diversified Mid & Small Cap 257.069 119.94 30833 5833 4.02% 25/02/2009 SIP Running -For General Goal 5000 48 240000 400.56 599.16 0 Samir Patel 4565465467 Equity Open Ended Growth Reliance Reliance Growth Fund-Growth Plan- Growth Option Equity Diversified Multi Cap 599.164 505.3754 302803 62803 11.04% 24/03/2011 STP Out 0 0 80000 18.90 4232.80 0 Samir Patel 464534888 Debt Open Ended Liquid HDFC HDFC Liquid Fund-GROWTH Debt -Liquid Liquid 4232.804 22.6564 95900 15900 9.85% 10/10/2007 Lumpsum 0 0 12500 259.98 48.08 0 Ekta Patel 345465777 Equity Open Ended Growth Birla Birla Sun Life Equity Fund-Plan B(Growth) Equity Diversified Multi Cap 48.081 278.57 13394 894 1.29% 24/03/2011 STP in 0 0 70000 12.12 5775.58 0 Samir Patel 8823434323 Equity Open Ended Growth HDFC HDFC MID-CAP OPPORTUNITIES FUND - Growth Option Equity Diversified Mid & Small Cap 5775.578 18.799 108575 38575 25.56% 04/01/2008 Lumpsum 0 0 72000 16.18 4449.39 0 Samir Patel 663665465 Equity Open Ended Growth DSP DSP BlackRock Equity Fund - Regular Plan - Growth Equity Diversified Multi Cap 4449.388 18.048 80303 8303 2.14% 27/07/2007 Lumpsum 0 0 18000 40.21 447.65 0 Samir Patel 965675675 Equity Open Ended Growth DSP DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth Equity -Thematic & Others Infrastructure 447.650 46.771 20937 2937 2.74% 23/08/2011 Lumpsum 0 0 25000 126.93 196.96 0 Samir Patel 96786776 Equity Open Ended ELSS ICICI ICICI Prudential Tax Plan - Regular Plan - Growth Equity Diversified Tax Planning 196.959 159.05 31326 6326 16.09% 14/04/2009 Lumpsum 0 0 76000 129.73 585.85 0 Ekta Patel 5475675676 Equity Open Ended Growth HDFC HDFC Equity Fund - Growth Option Equity Diversified Large & Mid Cap 585.852 296.876 173925 97925 23.84% 07/10/2011 Lumpsum 0 0 23500 94.58 248.47 0 Samir Patel 2342423323 Equity Open Ended Growth ICICI ICICI Prudential Dynamic - Regular Plan - Growth Equity Diversified Large & Mid Cap 248.467 117.0761 29090 5590 16.60% 24/07/2010 SIP Running -For Retirement 7500 31 232500 188.72 1232.00 0 Samir Patel 324324324 Hybrid Open Ended Balanced HDFC HDFC Prudence Fund - Growth Option Balanced Equity-oriented 1232.000 243.322 299773 67273 18.50% 10/10/2011 Lumpsum 0 0 45000 54.50 825.69 0 Samir Patel 345435435 Equity Open Ended ELSS SBI SBI MAGNUM TAXGAIN SCHEME 1993 - REGULAR PLAN- GROWTH Equity Diversified Tax Planning 825.688 67.56 55783 10783 16.83% 01/01/2009 SIP Running -For General Goal 3000 49 147000 154.74 950.00 0 Samir Patel 234432432 Equity Open Ended Growth HDFC HDFC Top 200 Fund - Growth Option Equity Diversified Large & Mid Cap 950.000 228.943 217496 70496 17.89% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
OR Price Data on : 01-Jan-13 Price Data on : Cash=> 0 Sr. No. (Optional) Investment Date NSE Symbol NSE Series BSE Stock Name Group Type Stock Name Quantity / No. of Stocks Purchase Cost / Average Cost Rs. Total Investment Value Rs. Current Price of Stock (Rs.) Total Market Value of Stock - (Rs.) Profit / Loss Amount - Rs. Abs. Return OR CAGR % Sale Qty. ( if any) Amount Rs. 1 22/12/2011 AJANTPHARM EQ 0 0 0 Ajanta Pharma 120 247 29640 385.00 46200 16560 45.63% 0 2 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 3 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 4 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 5 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 6 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 7 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 8 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 9 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 10 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 11 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 12 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 13 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 14 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 15 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 16 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 17 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 18 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 19 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 20 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 21 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 22 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 23 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 24 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 25 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 26 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 27 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 28 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 Planner's AdviceTotal Value << Stock Portfolio Select Stock - NSE Select Stock - BSEPlan Date : N.A.25/02/2013 46200 Total Value >> Stock Portfolio 29640
Liquidate Amt 331579 0 110000 525100 441579 441579 80000 Available Balance : Existing 100010 95530 40% 176631 0 705110 90000 30% 132474 Existing Liquidate Amt 95900 30% 132474 From Physical Gold / Silver 200000 281430 100% 441579 From Properties 1000000 160149 From Retirement Fund 155000 From O/s. Receivables / Loan 25000 From O/s. Receivables / Loan 50000 0 544961 131300 131300 413661 Balance Allocated towards Investment A/c. - Rs. : 394679 18982 LT Direct Equity 46200 46200 ST Cash A/C. + SB A/c. Balance 95530 95530 81101 ML Large & Mid Cap 420511 420511 ST Bank Fixed Deposit : < 1 Year 90000 90000 42474 LT Mid & Small Cap 139408 108575 ST Liquid 95900 95900 36574 0 - to - 3 8% ML Multi Cap 396499 383106 114679 ST FMP 0 0 4 - to - 7 9% ML Tax Planning 87110 31326 ST Gilt Medium & Long Term 0 0 ML Large Cap 0 0 140000 ST Gilt Short Term 0 0 60000 LT Banking 0 0 ST Income 0 0 80000 LT FMCG 0 0 ST Short Term 0 0 Age : 60 LT Pharma 0 0 ST Ultra Short Term 0 0 Year : 2030 LT Technology 0 0 SM Debt-oriented Aggressive 0 0 Age : 80 LT Equity: Others 0 0 SM Debt-oriented Conservative 0 0 Year : 2050 LT Infrastructure 20937 20937 ST Arbitrage 0 0 LT International 0 0 SM Asset Allocation 0 0 ML Equity-oriented 299773 299773 SM Hybrid: Others 0 0 LT Public Provident Fund 174000 174000 LT Reg. Prem.-ULIP 80000 0 MT Post Office Rec.Deposit 107494 107494 LT Reg. Prem.-ULPP 0 0 331579 MT Post Office MIS 300000 300000 LT Single Prem.-ULIP 62000 62000 110000 MT Senior Citizen Savings Scheme 500000 500000 LT Single Prem.-ULPP 0 0 281430 SM Post Office - Time Deposits 47646 47646 LT Reg. Prem. -Tradi. Life Ins. 1554863 374465 ML National Savings Certificates 165798 165798 LT Reg. Prem. -TradI. Pension Plan 360000 360000 1203892 17% 1203892 LT Kisan Vikas Patra 109585 109585 LT Single Prem.-Tradi. Life Ins. 206700 0 LT Single Prem.-Tradi. Pension Plan 0 0 SM Income Bond's & NCD 300000 300000 SM Income -Co. FD's 0 0 LT Gold 0 0 SM Growth -Bond's & NCD 53171 53171 LT Gold /Silver 200000 200000 SM Growth -Co. FD's 0 0 SM Bank FDR > 1 Year 94006 94006 LT Real Estate 1000000 1000000 LT Retirement Fund 155000 155000 Cash Reconciliation, Asset Allocation & Portfolio RebalancingCash Reconciliation, Asset Allocation & Portfolio RebalancingCash Reconciliation, Asset Allocation & Portfolio RebalancingCash Reconciliation, Asset Allocation & Portfolio Rebalancing RiskAnalysisRiskAnalysisRiskAnalysisRiskAnalysis Ideal Asset Allocation - As per your Risk Profile - (Select Below) Aggregate Balanced - (Medium Risk) Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor Your risk analysis from above questionnaire Result of Risk Analysis Risk Capacity Medium Risk Behaviour Balanced - (Medium Risk) Liquid Available Balance Rs. Proposed Allocation Financial Concerns Inflation Very Concern Tax Relief/advantage Concern Safety/ Security Extremely Concern Liquidity Concern LifeInsuranceGoldCashDebtMutualFund PostOfficeSchemeBonds&FDR -160149 Cash -From Liquidation of Investments From Unit Linked Life Ins./ Pension Plan From Mutual Fund Portfolio From Stock Market Portfolio Net Cash Balance Amount Rs. : ( It should be = 0) From Traditional Life Ins./ Pension Plan Add: Less: For Loan - Additional Repayment Total Available Cash to utilise / OR / Re-Invest : From Fixed Return Scheme Portfolio For Current Year Need Total required Amt. Rs. Required - Cash & Equivalent Less: Cash A/C. + SB A/c. Balance Cash reqd. from Existing Portfolio Balanced ( Medium Risk ) For Allocation of Gold : For Allocation of Properties Minimum Portfolio Size of Rs. : 10000000 Scheme Particulars Existing Portfolio After Changes(-) After Changes(- ) Proposed Addition Existing Portfolio 12% Retirement : Life Expectacy : Post Retirement Rate of Return (%) Post Tax Rate of Return (%) 8% Period ( No. of Years ) upto Retirement.: Short Term Need Medium Term Need 8 - Year onwards Long Term Need 18 C/ F Balance from Cash & Equivalent 5235230 Total Value of Existing Investment as of today : Rs. 7162131 Future Need - Period breakup with required Rate of Return For Emergency Fund For Current Year Need Investment Allocation to be required as of today 10% 723009 Post Tax - Return Select 8 to 18 Years @12% & 19 years onwards - Post Retirement @8% Next 3 Years @8% 4 to 7 Years @9% Actual applicable to your Need as per following 523523073% For Short Term For Medium Term For Long Term For Emergency Fund Bank Fixed Deposit : < 1 Year Weightage / Allocation Scheme Particulars Existing Portfolio After Changes(- ) Proposed Addition Scheme Particulars Existing Portfolio After Changes(-) Proposed Addition EquityMutualFund Generating Income Not Concern Ease of Management Very Concern Investment Priorities Preserve Capital Some Extent Regular Income Not Priority Timely Goal Achievement Very Important Optimum Return Fairly Important Growth Over Time Fairly Important Maximum Growth Some Extent Scheme Particulars Proposed Addition For - Pre - Retirement Period : Period (Years) : Less: Balance Amount Available to Investment - Rs.: Cash, 4% Debt, 59% Equity, 20% Gold, 3% Properties, 14% Cash, 7% Debt, 49% Equity, 25% Gold, 3% Properties, 16% 0% 10% 20% 30% 40% 50% 60% 70% Existing V/s. Proposed Portfolio Existing Allocation Proposed Allocation Cash , 13% Debt, 32% Equity, 48% Gold, 7% Properties, 0% Cash , 4% Debt, 59% Equity, 20% Gold, 3% Properties, 14% 0% 10% 20% 30% 40% 50% 60% 70% Allocation - As per Risk Profie V/s. Existing Portfolio As Risk Profile -Ideal Existing 7% 73% 0% 21%15% 68% 0% 17% 0% 50% 100% Debt Equity Gold Hybrid Mutual Fund Allocation Existing Allocation Proposed Allocation
1% 3% 21% 1% 5% 20% 32% 3% 14% 2% 3% 4% 29% 1% 6% 23% 13% 3% 16% 3% 0% 5% 10% 15% 20% 25% 30% 35% Cash Account Bank FDR Mutual Funds Stock Market Bonds / NCD's & Co. FD's Post Office Scheme Life Insurance Physical Gold / Funds / ETF Properties Investment Retirement Fund Existing Allocation Proposed Allocation 0% 0% 7% 0% 71% 0% 0% 1% 0% 0% 21% 0% 0%0% 3% 7% 4% 59% 8% 0% 1% 0% 0% 17% 0% 0% 0% 10% 20% 30% 40% 50% 60% 70% 80% Debt -FMP Debt Govt. Sec. Debt -Liquid Debt -Short Term & Income Equity Diversified Equity Diversified /Index Fund Equity Sectoral Equity - Thematic & Others Gold Funds & ETF Asset Allocation & Others Balanced Debt Oriented - MIP & Asset Allo. Debt Oriented - MIP & Cap. Prot. MF Allocation Existing Allocation Proposed Allocation 4% 1% 18% 1% 26% 30% 2% 3% 14% 2% 7% 4% 23% 1% 30% 12% 1% 3% 16% 3% 0% 5% 10% 15% 20% 25% 30% 35% Cash - SB A/c./ ST FDR / Liquid Debt -Mutual Fund Equity - Mutual Fund Equity - Stock Market Debt - FD/Bonds/NCD/Post Debt - Life Insurance Equity - Life Insurance Gold - Funds /ETF / Physical Properties Investment Retirement Fund Existing Allocation Proposed Allocation 4% 7% 13% 19% 57% 9% 8% 15% 25% 42% 0% 10% 20% 30% 40% 50% 60% 70% Short Term Short / Medium Term Medium Term Medium / Long Term Long Term Existing Proposed 4% 0% 7% 13% 4% 36% 15% 5% 3% 14% 7% 2% 8% 15% 4% 19% 21% 4% 3% 16% 0% 5% 10% 15% 20% 25% 30% 35% 40% Short Term Short Term Short / Medium Term Medium Term Medium / Long Term Long Term Medium / Long Term Long Term Long Term Long Term CashDebtDebtDebtDebtDebtEquityEquityGold Proper ties Existing Proposed
Current Value 309105 6% 490,950 132474 6% 182,400 140000 8% 321,386 46200 18% 994,736 1198197 15% For Months 0 15% 0 15% 20937 15% 299773 13% 0 10% 0 9% 0 8% 2146686 12.37% 0 - to - 3 8% 581579 27% 11.12% 4 - to - 7 9% 1389395 65% 11.15% 175712 8% 12.00% Total : 2146686 100.00% 11.12% Note : Age : 60 Year : 2030 Age : 80 Year : 2050 Select : #N/A Planner's Note Investment Priorities Retirement : Post Retirement Rate of Return (%) Post Tax Rate of Return (%) If retirement period is fall in Short / Medium Term Period, Long Term Return Rate is automatically replaced by Post Retirement Rate of Return. Please check first, how much year left to retirement. Preserve Capital Some Extent Life Expectacy : 8% Regular Income Not Priority Timely Goal Achievement Very Important Optimum Return Fairly Important Retirement Cash Flow - With Accumulation & Consumption. Growth Over Time Fairly Important Maximum Growth Some Extent Period ( No. of Years ) upto Retirement.: 18 Short Term Need Short to Medium Term Liquidity Concern Medium Term Need Medium to Long Term Generating Income Not Concern Long Term Need 12% Long Term Funds Ease of Management Very Concern 8 - Year onwards Safety/ Security Extremely Concern Total Amount & Weighted Avg. Return Financial Concerns Future Need - Period breakup with required Rate of Return Post Tax Rate of Return - Assumption Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund) Existing Portfolio Portfolio Weightage Expected Wighted Average Return (%) Inflation Very Concern For - Pre - Retirement Period : Period (Years) : Post Tax - Return SelectTax Relief/advantage Concern Equity - Diversified Advice to kept emergency fund in Cash or Equivalent for the Month Nos. >>>> 331579 Equity - Diversified -ELSS 4 Equity - Sectoral Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor Equity - Thematic & Others Hybrid Fund - Balanced Also required fund in Cash & Equivalent for Current Year Requirements ( If any) Total Amount to be required in Current Year ( i.e. in Year ) 110000 Hybrid Fund - Asset Allocation/Others Hybrid Fund - MIP Gold Funds / ETF Goal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation Calculation of Required Emergency Fund. RiskAnalysis Finding from Your Risk Analysis Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund) Existing Portfolio Expected Return (%)Result of Risk Analysis Emergency Fund - Should be kept in form of Cash & Equivalent Particulars Risk Capacity Medium Cash / S.B. A/c. / Bank FDR <1 Year Regular Expenses Debt -Liquid Loan EMI Amount Risk Behaviour Balanced - (Medium Risk) Debt -Short Term, Income & G. Sec. Regular Investment Commitment Direct Equity Total Yearly Outflow Amount Rs. Aggregate Balanced - (Medium Risk) With Proposed Investment Portfolio
Age at Goal Start Present Cost of Goal OR Target Goal Amount Inflation Effect - Present Goal Amount will rise @%wise OR Amt.wise Period ( Years) available for Regular Investments Fund to be required in Period OR Year Fund to be required for No. of Years Goal Priority Wants to include OR Calculate your Goal Amt. with Current Cash Flow? If Goal Selection is "Yes", Goal Funding from Assets Liquidation / Future Loan? Future Goal - Amount to be required Rs. Goal Funding Amt. from Assets Liquidation / Future Loans - Rs. Goal Funding Amount through Financial Investment A/c. Total Possible Goal Achievement Amt. Rs. Shortfall in Goal Amt. Rs. Possible Goal Achievement %wise Shortfall in Goal %wise Child Age % OR/ Amt,wise 0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0% 12 25000 10.00% 1 2014 - To - 2016 3 High Yes N.A. 91025 0 91025 91025 0 100% 0% 15 65000 10.00% 4 2017 - To - 2020 4 High Yes N.A. 441668 0 441668 441668 0 100% 0% 19 100000 10.00% 8 2021 - To - 2023 3 High Yes N.A. 709528 0 709528 709528 0 100% 0% 22 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 25 600000 6.00% 14 2027 1 High Yes Yes 1356542 271308 1085234 1356542 0 100% 0% Child Age 4015335 271308 3744027 4015335 0 100% 0% 0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0% 9 25000 10.00% 1 2014 - To - 2019 6 High Yes N.A. 212179 0 212179 212179 0 100% 0% 15 65000 10.00% 7 2020 - To - 2023 4 High Yes N.A. 587860 0 587860 587860 0 100% 0% 19 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0% 22 200000 10.00% 14 2027 - To - 2029 3 High Yes N.A. 2513944 0 2513944 2513944 0 100% 0% 25 2000000 5.00% 17 2030 1 High Yes Yes 4584037 3438027 1146009 4584037 0 100% 0% 28 500000 5.00% 17 2033 1 High Yes Yes 1326649 928654 397995 1326649 0 100% 0% Your Age 10641241 4366682 6274559 10641241 0 100% 0% 48 4000000 6.00% 5 2018 1 High Yes Yes 5352902 4014677 1338226 5352902 0 100% 0% 50 950000 8.00% 7 2020 1 Medium Yes Yes 1628133 488440 1139693 1628133 0 100% 0% 52 50000 8.00% 9 2022 1 High Yes Yes 99950 0 99950 99950 0 100% 0% 55 60000 8.00% 12 2025 1 High Yes Yes 151090 75545 75545 151090 0 100% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% Your Age 7232076 4578662 2653414 7232076 0 100% 0% 60 6984881 0 17 2030 1 High Yes 70663066 0 11669640 11669640 58993426 17% 83% 60 100000 10.00% 17 2030 1 High Yes 505447 0 505447 505447 0 100% 0% 60 10000000 5.00% 17 2030 1 High Yes 22920183 0 22920183 22920183 0 100% 0% 60 50000 6.00% 17 2030 1 Low Yes 134639 0 134639 134639 0 100% 0% 60 100000 6.00% 17 2030 1 Optional Yes 269277 0 269277 269277 0 100% 0% Your Age 94492612 35499186 35499186 58993426 38% 62% 62 5000000 6.00% 17 2032 1 Optional Yes Yes 15127998 0 15127998 15127998 0 100% 0% 67 5000000 17 2037 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100% 50 25000 6.00% 7 2020 - To - 2032 Every 3 Year Medium Yes Yes 274834 0 274834 274834 0 100% 0% 62 50000 6.00% 17 2032 - To - 2050 Every 3 Year 0 Yes Yes 1468591 0 331457 331457 1137134 23% 77% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 21871422 0 15734288 15734288 6137134 72% 28% 138252686 9216652 63905475 73122126 65130560 53% 47% FutureFinancial Goal Future Dreams Dream - Fund for - Buying A Farm House Dream - Fund for - Create Wealth Dream - Fund for - Domestic Tour Dream - Fund for - Long Tour Retirement Corpus & Provision Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Fund for -- Marriage Expenses FutureFinancial Goal Future Need Need - Fund for - Buying a New House Need - Fund for - New Motor Car Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike Goal SelectionGoal SelectionGoal SelectionGoal Selection Financial Goal Particulars ChildFuturePlanning Planning For- Nikunj Patel Fund for -- Pre-Primary & Primary Education Fund for -- Secondary & Higher Sec. Education Fund for -- Graduation & Higher Education Fund for -- Post Graduation & Master Degree Fund for -- For start in life After calculating with your actual cash flow Planning For- Ankita Patel Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Fund for - Marriage Expenses Retirement Planning
Sr. No. Year Samir Patel Ekta Patel Ankita Patel Nikunj Patel Self Income Spouse Income Agriculture Income (if any) Other Income Total Income Total Expenses Surplus (Basic Cash Flow) Total Loan Repayment Amount Rs. Loan Repayment For Future Goal Amount Rs. Net Surplus for Savings / Investment Regular Investment Commitment (Outflow) Net Balance ( + / - ) @Each Year Ended 0 2013 43 38 11 8 562690 203370 165000 5000 936060 445656 490404 97000 393404 201500 191904 1 2014 44 39 12 9 630472 231883 189000 6000 1057355 524870 532485 116400 0 416085 241553 174532 2 2015 45 40 13 10 659635 242058 198450 56000 1156143 566726 589417 86600 0 502817 234453 268364 3 2016 46 41 14 11 684401 253699 208373 0 1146472 612001 534471 24129 0 510341 253653 256688 4 2017 47 42 15 12 709417 266959 218791 39338 1234505 660982 573524 0 0 573524 272853 300671 5 2018 48 43 16 13 737042 279222 229731 0 1245995 713979 532016 0 125253 406763 292053 114710 6 2019 49 44 17 14 765433 292097 241217 0 1298747 771330 527417 0 125253 402165 305253 96912 7 2020 50 45 18 15 794647 305628 253278 0 1353553 833401 520152 0 235206 284946 318453 -33507 8 2021 51 46 19 16 824982 319820 265942 0 1410744 900590 510154 0 235206 274948 331653 -56705 9 2022 52 47 20 17 856846 334732 279239 0 1470817 973330 497487 0 235206 262281 340053 -77772 10 2023 53 48 21 18 972688 366501 293201 0 1632391 1052090 580300 0 235206 345094 346053 -959 11 2024 54 49 22 19 1007817 384826 307861 0 1700504 1137382 563123 0 235206 327917 352053 -24136 12 2025 55 50 23 20 1044693 404068 323254 0 1772014 1229758 542256 0 125253 417003 358053 58950 13 2026 56 51 24 21 1084330 424271 339417 0 1848018 1329824 518194 0 125253 392941 364053 28888 14 2027 57 52 25 22 1126276 445485 356388 0 1928148 1438234 489914 0 125253 364661 370053 -5392 15 2028 58 53 26 23 1170311 467759 374207 0 2012277 1555700 456576 0 0 456576 370053 86523 16 2029 59 54 27 24 1216551 491147 392917 0 2100616 1682999 417617 0 0 417617 360000 57617 17 2030 60 55 28 25 1265100 514087 412563 0 2191750 1820972 370778 0 0 370778 360000 10778 18 2031 61 56 29 26 0 537215 0 0 537215 0 537215 0 0 537215 0 537215 19 2032 62 57 30 27 0 561498 0 0 561498 0 561498 0 0 561498 0 561498 20 2033 63 58 31 28 0 587001 0 0 587001 0 587001 0 0 587001 0 587001 21 2034 64 59 32 29 0 613781 0 0 613781 0 613781 0 0 613781 0 613781 22 2035 65 60 33 30 0 641889 0 0 641889 0 641889 0 0 641889 0 641889 23 2036 66 61 34 31 0 0 0 0 0 0 0 0 0 0 0 0 24 2037 67 62 35 32 0 0 0 0 0 0 0 0 0 0 0 0 25 2038 68 63 36 33 0 0 0 0 0 0 0 0 0 0 0 0 26 2039 69 64 37 34 0 0 0 0 0 0 0 0 0 0 0 0 27 2040 70 65 38 35 0 0 0 0 0 0 0 0 0 0 0 0 28 2041 71 66 39 36 0 0 0 0 0 0 0 0 0 0 0 0 29 2042 72 67 40 37 0 0 0 0 0 0 0 0 0 0 0 0 30 2043 73 68 41 38 0 0 0 0 0 0 0 0 0 0 0 0 31 2044 74 69 42 39 0 0 0 0 0 0 0 0 0 0 0 0 32 2045 75 70 43 40 0 0 0 0 0 0 0 0 0 0 0 0 33 2046 76 71 44 41 0 0 0 0 0 0 0 0 0 0 0 0 34 2047 77 72 45 42 0 0 0 0 0 0 0 0 0 0 0 0 35 2048 78 73 46 43 0 0 0 0 0 0 0 0 0 0 0 0 36 2049 79 74 47 44 0 0 0 0 0 0 0 0 0 0 0 0 37 2050 80 75 48 45 0 0 0 0 0 0 0 0 0 0 0 0 38 2051 81 76 49 46 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 50 47 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 51 48 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 52 49 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 53 50 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 54 51 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 55 52 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 56 53 0 0 0 0 0 0 0 0 0 0 0 0 46 2059 89 84 57 54 0 0 0 0 0 0 0 0 0 0 0 0 47 2060 90 85 58 55 0 0 0 0 0 0 0 0 0 0 0 0 48 2061 91 86 59 56 0 0 0 0 0 0 0 0 0 0 0 0 49 2062 92 87 60 57 0 0 0 0 0 0 0 0 0 0 0 0 50 2063 93 88 61 58 0 0 0 0 0 0 0 0 0 0 0 0 Age :
Sr. No. Year Samir Patel Ekta Patel 0 2013 43 38 92667 0 92667 0 0 78057 78057 170723 0 170723 1 2014 44 39 27500 27500 0 0 55000 79600 0 79600 37500 0 427244 464744 544344 0 0 55000 544344 2 2015 45 40 30250 30250 0 0 60500 68350 0 68350 690500 0 500000 1190500 1258850 0 0 60500 1258850 3 2016 46 41 33275 33275 0 0 66550 12367 0 12367 0 0 776380 776380 788747 0 0 66550 788747 4 2017 47 42 95167 36603 0 0 131769 0 0 0 75000 0 86446 161446 161446 0 0 131769 161446 5 2018 48 43 104683 40263 5352902 4014677 1483171 0 0 0 0 0 0 0 0 0 0 1483171 0 6 2019 49 44 115151 44289 0 0 159440 0 0 0 0 0 0 0 0 0 0 159440 0 7 2020 50 45 126667 126667 1665724 488440 1430617 0 0 0 0 132903 0 132903 132903 0 0 1430617 132903 8 2021 51 46 214359 139333 0 0 353692 0 0 0 0 0 0 0 0 0 0 353692 0 9 2022 52 47 235795 153267 99950 0 489012 0 0 0 0 0 0 0 0 0 0 489012 0 10 2023 53 48 259374 168593 44771 0 472739 0 0 0 0 0 0 0 0 0 0 472739 0 11 2024 54 49 427968 427968 0 0 855935 0 0 0 0 0 0 0 0 0 0 855935 0 12 2025 55 50 470764 470764 151090 75545 1017074 0 0 0 0 0 0 0 0 0 0 1017074 0 13 2026 56 51 517841 517841 53323 0 1089005 0 0 0 0 0 0 0 0 0 0 1089005 0 14 2027 57 52 1356542 759500 0 271308 1844734 0 0 0 0 0 0 0 0 0 0 1844734 0 15 2028 58 53 0 835450 0 0 835450 0 0 0 0 0 0 0 0 0 0 835450 0 16 2029 59 54 0 918995 63509 0 982503 0 0 0 368000 0 0 368000 368000 0 0 982503 368000 17 2030 60 55 0 4584037 0 3438027 1146009 0 0 0 0 0 0 0 0 0 0 1146009 0 18 2031 61 56 0 0 0 0 0 0 0 0 0 0 0 0 0 25179293 15176675 25179293 15176675 19 2032 62 57 0 0 15354917 0 15354917 0 0 0 0 0 0 0 0 1485272 0 16840190 0 20 2033 63 58 0 1326649 0 928654 397995 0 0 0 0 0 0 0 0 1631542 0 2029536 0 21 2034 64 59 0 0 0 0 0 0 0 0 0 0 0 0 0 1789430 0 1789430 0 22 2035 65 60 0 0 180177 0 180177 0 0 0 0 0 0 0 0 1959888 0 2140064 0 23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 0 0 2143941 0 2143941 0 24 2037 67 62 0 0 5000000 0 5000000 0 0 0 0 0 0 0 0 2342706 0 7342706 0 25 2038 68 63 0 0 214594 0 214594 0 0 0 0 0 0 0 0 2557391 0 2771985 0 26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0 0 2789306 0 2789306 0 27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 0 0 3039872 0 3039872 0 28 2041 71 66 0 0 255584 0 255584 0 0 0 0 0 0 0 0 3310629 0 3566214 0 29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3603250 0 3603250 0 30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3919547 0 3919547 0 31 2044 74 69 0 0 304405 0 304405 0 0 0 0 0 0 0 0 4261488 0 4565893 0 32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 0 0 4631207 0 4631207 0 33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 0 0 5031022 0 5031022 0 34 2047 77 72 0 0 362551 0 362551 0 0 0 0 0 0 0 0 5463447 0 5825998 0 35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5931213 0 5931213 0 36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 0 0 6437285 0 6437285 0 37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6984881 0 6984881 0 38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Amount Of Future Need / Dreams / Retirement Need Etc. Total Inflow throgh Maturity Proceeds & Investment Income, Retirement Fund Etc. Regular Income from Debt Investment (Other than MF) Mutual Fund Regular Withdrawal (SWP) Total Income / Maturity Proceeds Amount from Traditional Plan Total Income / Maturity Proceeds Amount from Unit Linked Plan Total Amount of Maturity Proceeds from Postal Schemes / Bonds - NCD / FDR Aggregate Amt. of Need & Fund Child Future Planning - Future Need for Ankita Patel Child Future Planning - Future Need for Nikunj Patel Future Financial Need & Dream Total Amount of Goal Funding to be from Sale of Assets & Future Loan - Rs. Net Amount to be required from Financial Investment Portfolio - Rs. Income from Investment Total inflow through Interest / Sys. Withdrawal from Investment Account Inflow through Maturity Proceeds. Investments Account Total inflow through Maturity proceeds of Investment Account Summary Data - For Child Future Need / Other Future Need & Dreams / Retirement Needs & Funds available through Maturity proceeds of Investment / Interest Income & Retirement Benefit / PPF A/c. Etc. Required Net Total Amount of Goal Funding (Other than Retirement Need) Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Investments. ( For Other than Retirement Need ) Retirement Need Total Inflow - Investment Income & Maturity Proceeds of Investment Account Total Amount - Post Retirement Expenses & Funding Need - Rs. Retirement Benefit / Investment Maturity proceeds of Retirement Account
Year Sr. No. upto Retireme nt Year Age Opening Balance ( Investments in Direct Equity & MF) ( 1 ) C/F - Cash - Net Balance - From Earning Cash Flow ( 2 ) Inflow of Maturity Amount (See Annexure ) ( 3 ) Net Flow During the Year (4) (2+3) Available Balance for Funding ( 5 ) (1+4) Fund Require for - Future Financial Need / Goals ( 6 ) Balance After Fundings ( 7 ) ( 5-6 ) Opening Balance of SIP A/c. at Each Year ( 8 ) Possible Goal fundings from SIP Corpus ( 9 ) ( 8-7) SIP Balance After Fundings ( 10 ) ( 8-9) Outstanding / Shortfall of Goal Amount ( 11 ) ( 7-9) Weighted Average Rate of Return (12) Return on Balance Amount (13) ( 7 x 12) Closing Balance ( On Cash Basis) (14) (7+13) Possible Goal Achievement (Financial Investment) Amt. Rs. Possible Goal Achievement %wise Shortfall in Goal Amt. Rs. Shortfall in Goal %wise Primary Cash Flow Shortfall 0 2013 43 2146686 0 170723 170723 2317409 110000 2207409 0 0 94883 0 0.00% 0 2207409 63905475 50% 65130560 50% 0 1 2014 44 2207409 191904 544344 736248 2943658 55000 2888658 94883 0 228628 0 11.12% 321266 3209924 55000 100% 0 0% 0 2 2015 45 3209924 174532 1258850 1433382 4643306 60500 4582806 228628 0 398196 0 11.12% 509683 5092489 60500 100% 0 0% 0 3 2016 46 5092489 268364 788747 1057111 6149600 66550 6083050 398196 0 609347 0 11.12% 676535 6759585 66550 100% 0 0% 0 4 2017 47 6759585 256688 161446 418134 7177719 131769 7045950 609347 0 868764 0 11.15% 785640 7831590 131769 100% 0 0% 0 5 2018 48 7831590 300671 0 300671 8132261 1483171 6649089 868764 0 1184207 0 11.15% 741389 7390479 1483171 100% 0 0% 0 6 2019 49 7390479 114710 0 114710 7505189 159440 7345749 1184207 0 1564681 0 11.15% 819069 8164817 159440 100% 0 0% 0 7 2020 50 8164817 96912 132903 229814 8394631 1430617 6964014 1564681 0 2020643 0 11.15% 776504 7740519 1430617 100% 0 0% 0 8 2021 51 7740519 -33507 0 -33507 7707012 353692 7353319 2020643 0 2564225 0 12.00% 882398 8235718 353692 100% 0 0% 0 9 2022 52 8235718 -56705 0 -56705 8179013 489012 7690002 2564225 0 3204305 0 12.00% 922800 8612802 489012 100% 0 0% 0 10 2023 53 8612802 -77772 0 -77772 8535030 472739 8062291 3204305 0 3953791 0 12.00% 967475 9029766 472739 100% 0 0% 0 11 2024 54 9029766 -959 0 -959 9028807 855935 8172872 3953791 0 4830272 0 12.00% 980745 9153617 855935 100% 0 0% 0 12 2025 55 9153617 -24136 0 -24136 9129480 1017074 8112407 4830272 0 5854161 0 12.00% 973489 9085896 1017074 100% 0 0% 0 13 2026 56 9085896 58950 0 58950 9144846 1089005 8055841 5854161 0 7049156 0 12.00% 966701 9022542 1089005 100% 0 0% 0 14 2027 57 9022542 273286 0 273286 9295828 1844734 7451094 7049156 0 8442762 0 12.00% 894131 8345226 1844734 100% 0 0% 0 15 2028 58 8345226 -5392 0 -5392 8339834 835450 7504385 8442762 0 10060396 0 12.00% 900526 8404911 835450 100% 0 0% 0 16 2029 59 8404911 86523 368000 454523 8859434 982503 7876931 10060396 0 11938073 0 12.00% 945232 8822163 982503 100% 0 0% 0 17 2030 60 8822163 57617 0 57617 8879779 1146009 7733770 11938073 0 14117594 0 12.00% 928052 8661823 1146009 100% 0 0% 0 18 2031 61 8661823 10778 15176675 15187453 23849276 25179293 -1330017 21077161 1330017 19747144 0 8.00% 1579771 21326915 25179293 100% 0 0% 0 0 2032 62 21326915 537215 0 537215 21864130 16840190 5023940 0 0 0 0 8.00% 401915 5425855 16840190 100% 0 0% 0 0 2033 63 5425855 1180718 0 1180718 6606573 2029536 4577037 0 0 0 0 8.00% 366163 4943199 2029536 100% 0 0% 0 0 2034 64 4943199 587001 0 587001 5530200 1789430 3740770 0 0 0 0 8.00% 299262 4040032 1789430 100% 0 0% 0 0 2035 65 4040032 613781 0 613781 4653813 2140064 2513748 0 0 0 0 8.00% 201100 2714848 2140064 100% 0 0% 0 0 2036 66 2714848 641889 0 641889 3356737 2143941 1212796 0 0 0 0 8.00% 97024 1309820 2143941 100% 0 0% 0 0 2037 67 1309820 0 0 0 1309820 7342706 -6032887 0 0 0 6032887 8.00% 0 0 1309820 18% 6032887 82% 0 0 2038 68 0 0 0 0 0 2771985 -2771985 0 0 0 2771985 8.00% 0 0 0 0% 2771985 100% 0 0 2039 69 0 0 0 0 0 2789306 -2789306 0 0 0 2789306 8.00% 0 0 0 0% 2789306 100% 0 0 2040 70 0 0 0 0 0 3039872 -3039872 0 0 0 3039872 8.00% 0 0 0 0% 3039872 100% 0 0 2041 71 0 0 0 0 0 3566214 -3566214 0 0 0 3566214 8.00% 0 0 0 0% 3566214 100% 0 0 2042 72 0 0 0 0 0 3603250 -3603250 0 0 0 3603250 8.00% 0 0 0 0% 3603250 100% 0 0 2043 73 0 0 0 0 0 3919547 -3919547 0 0 0 3919547 8.00% 0 0 0 0% 3919547 100% 0 0 2044 74 0 0 0 0 0 4565893 -4565893 0 0 0 4565893 8.00% 0 0 0 0% 4565893 100% 0 0 2045 75 0 0 0 0 0 4631207 -4631207 0 0 0 4631207 8.00% 0 0 0 0% 4631207 100% 0 0 2046 76 0 0 0 0 0 5031022 -5031022 0 0 0 5031022 8.00% 0 0 0 0% 5031022 100% 0 0 2047 77 0 0 0 0 0 5825998 -5825998 0 0 0 5825998 8.00% 0 0 0 0% 5825998 100% 0 0 2048 78 0 0 0 0 0 5931213 -5931213 0 0 0 5931213 8.00% 0 0 0 0% 5931213 100% 0 0 2049 79 0 0 0 0 0 6437285 -6437285 0 0 0 6437285 8.00% 0 0 0 0% 6437285 100% 0 0 2050 80 0 0 0 0 0 6984881 -6984881 0 0 0 6984881 8.00% 0 0 0 0% 6984881 100% 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 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 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 Financial Investment Portfolio Cash Flow with Goal MappingFinancial Investment Portfolio Cash Flow with Goal MappingFinancial Investment Portfolio Cash Flow with Goal MappingFinancial 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
Required Amount Rs. Required Lumpsum Investment Required Amount Rs. Required Lumpsum Investment Required Amount Rs. Required Lumpsum Investment Required Monthly Investment Required Amount Rs. Required Lumpsum Investment Required Monthly Investment Required Amount Rs. Required Lumpsum Investment Required Regular Investment Required Amount Rs. Required Lumpsum Investment Required Regular Investment Monthly Monthly 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25000 1 / 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 65000 4 / 4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 100000 8 / 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 150000 11 / 3 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 600000 14 / 1 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 0 0 0 0 25000 1 / 6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 65000 7 / 4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 150000 11 / 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 200000 14 / 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2000000 17 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 500000 17 / 1 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 4000000 5 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 950000 7 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50000 9 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 60000 12 / 1 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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6984881 17 / 1 0 0 0 0 0 0 0 0 0 0 65202652 3313709 33291 58993426 2726013 27387 100000 17 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10000000 17 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50000 17 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 100000 17 / 1 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 65202652 3313709 33291 58993426 2726013 27387 5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 580175 69857 486 0 0 0 5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 5000000 409735 2853 5000000 409735 2853 250007 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 75640 9108 63 0 0 0 50000 17 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 1468591 95431 665 1137134 59994 418 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 7124406 584131 4068 6137134 469729 3271 0 0 0 0 0 0 0 0 0 0 72327058 3897840 37359 65130560 3195742 30658 Future Dreams Buying A Farm House Create Wealth Domestic Tour Long Tour 0 Retirement Corpus & Provision Funds to be required to provide regular expenses from Retirement year onwards. For Medical Exp. Lumpsum Need For Tour - Yatra For Donation Future Need Buying a New House New Motor Car New Activa Scooter for Ankita New Motor Bike 0 0 Marriage Expenses Planning For- Nikunj Patel 0 Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses For Shortfall ( Before Recommendation ) For Shortfall ( After Recommendation ) Planning For- Ankita Patel 0 Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree 0 Selected Financial Goal Present Cost of Goal OR Target Goal Amount Today onwards - available years for Regular Investment & Funds requirement for No. of Years For Short Term Need - Next 3 Years -Investment required @ 8% For Medium Term Need -4 to 7 Years - Investment required @9% For Long Term Need -8 to 18 Years - Investment required @12% & 19 years onwards - Post Retirement @8% For Shortfall (Before Recommendation) For Shortfall ( After Recommendation) For Shortfall ( Before Recommendation ) For Shortfall ( After Recommendation ) Financial Goalwise - Investment Need for Goal Shortfall ( Before Recommendation & After Recommendation)Financial Goalwise - Investment Need for Goal Shortfall ( Before Recommendation & After Recommendation)Financial Goalwise - Investment Need for Goal Shortfall ( Before Recommendation & After Recommendation)Financial Goalwise - Investment Need for Goal Shortfall ( Before Recommendation & After Recommendation)
0% 0% 0% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 0% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 0% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0% 100% 0% 100% 0% 8% 92% 17% 83% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 31% 69% 38% 62% 96% 4% 100% 0% 0% 100% 0% 100% 72% 28% 100% 0% 0% 100% 23% 77% 0% 0% 0% 0% 67% 33% 72% 28% 48% 52% 53% 47% Financial Goal Gap Analysis Possible Goal Achievement %wise Shortfall in Goal %wise Before Recommendation After Recommendation Retirement Corpus & Provision Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Aggregate : FutureFinancial Goal Future Dreams Dream - Fund for - Buying A Farm House Dream - Fund for - Create Wealth Dream - Fund for - Domestic Tour Dream - Fund for - Long Tour Retirement Planning FutureFinancial Goal Future Need Need - Fund for - Buying a New House Need - Fund for - New Motor Car Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike Financial Goal Particulars Possible Goal Achievement %wise Shortfall in Goal %wise ChildFuturePlanning Planning For- Ankita Patel Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Fund for - Marriage Expenses Planning For- Nikunj Patel Fund for -- Pre-Primary & Primary Education Fund for -- Secondary & Higher Sec. Education Fund for -- Graduation & Higher Education Fund for -- Post Graduation & Master Degree Fund for -- For start in life Fund for -- Marriage Expenses 0 500000 1000000 1500000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 1000000 2000000 3000000 4000000 5000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 2000000 4000000 6000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 10000000 20000000 30000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0 10000000 20000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0% 50% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0% 50% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds
Before Recommendation After Recommendation Before Recommendation After Recommendation 55000 60500 66550 131769 1483171 159440 1430617 353692 489012 472739 855935 1017074 1089005 1844734 835450 982503 1146009 25179293 16840190 2029536 1789430 2140064 2143941 7342706 2771985 2789306 3039872 3566214 3603250 3919547 4565893 4631207 5031022 5825998 5931213 6437285 6984881 0 5000000 10000000 15000000 20000000 25000000 30000000 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 Yearwise Amountwise Goal Gap Analysis Shortfall in Funds Funds to be available Funds to be required 0% 20% 40% 60% 80% 100% 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 Yearwise %wise Goal Gap Analysis Shortfall in Funds Funds to be available 55000 60500 66550 131769 1483171 159440 1430617 353692 489012 472739 855935 1017074 1089005 1844734 835450 982503 1146009 25179293 16840190 2029536 1789430 2140064 2143941 7342706 2771985 2789306 3039872 3566214 3603250 3919547 4565893 4631207 5031022 5825998 5931213 6437285 6984881 0 5000000 10000000 15000000 20000000 25000000 30000000 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 Yearwise Amountwise Goal Gap Analysis Shortfall in Funds Funds to be available Funds to be required 0% 20% 40% 60% 80% 100% 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 Yearwise %wise Goal Gap Analysis Shortfall in Funds Funds to be available

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Sample Comprehensive Personal Financial Plan Created in Excel based Personal Financial Planning Software - XLFinplan

  • 1.
    Strictly Private &Confidential Comprehensive Personal Financial Planning Report of Samir Patel & Family Prepared by : Satish Mistry ( Associate Financial Planner ) XL Finplan 2nd Floor, Washwell Chambers, Near Library Sayaji Road, Opp. Hotel Sauras, Navsari, Gujarat, Mobile No.: 91-9725006862, E-mail : satish@xlfinplan.com Website : www.xlfinplan.com
  • 2.
    Investments Estate Plan Scope ofPersonal Financial Plan / Financial Objective :: Based on the information's, we have obtained from you in quantitative or qualitative manner, we have analysed the same. This financial plan may provide guidance on your financial objectives as you have mentioned during our conversation. The scope of financial plan is as follows : Risk Protection Assessment of emergency funds need through short term cash flow. Cash Flow Analysis Analysis of your current Income -Expense structure and certain assumption of rise-fall in income & expenses, assessment of future situation of 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 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 seek adequate Health Insurance including analysis of current General Insurance Policies you have. 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 assessing the financial impact upon death and the disposition.
  • 3.
    Goal Priority Present Costof Goal OR Target Goal Amount Age at Goal Start Fund to be required in Period OR Year Fund to be required for No. of Years % wise Amt. wise Child Age 0 0 0% 0 High 25000 10% 12 2014 - To - 2016 3 High 65000 10% 15 2017 - To - 2020 4 High 100000 10% 19 2021 - To - 2023 3 High 150000 10% 22 2024 - To - 2026 3 0 0 0% 0 High 600000 6% 25 2027 1 0 0 0% 0 High 25000 10% 12 2014 - To - 2016 3 High 65000 10% 15 2017 - To - 2020 4 High 100000 10% 19 2021 - To - 2023 3 High 150000 10% 22 2024 - To - 2026 3 High 2000000 5% 25 2030 1 High 600000 6% 25 2027 1 Your Age High 4000000 6% 48 2018 1 Medium 950000 8% 50 2020 1 High 50000 8% 52 2022 1 High 60000 8% 55 2025 1 0 0 0% 0 0 0 0% 0 Optional 5000000 6% 62 2032 1 Optional 5000000 0% 67 2037 1 Medium 25000 6% 50 2020 - To - 2032 Every 3 Year 0 50000 6% 62 2032 - To - 2050 Every 3 Year 0 0 0% 0 Your Age High 6984881 60 2030 1 High 100000 10% 60 2030 1 High 10000000 5% 60 2030 1 Low 50000 6% 60 2030 1 Optional 100000 6% 60 2030 1 Inflation Effect - Present Goal Amount will rise @Rate Retirement Planning Fund for - For Donation Financial Goal Particulars ChildFuturePlanning Fund for - For Tour - Yatra Fund for - Dream - Long Tour Planning For-Ankita Patel Planning For-Nikunj Patel Fund for - Pre-Primary & Primary Education Fund for - Funds to be required to provide regular expenses from Retirement year onwards. Fund for - For Medical Exp. Fund for - Lumpsum Need Fund for - Pre-Primary & Primary Education Retirement Corpus & Provision Fund for - Marriage Expenses Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Fund for - For start in life Fund for - Dream - Create Wealth Fund for - Dream - Domestic Tour Fund for - Need - Buying a New House Fund for - Need - New Motor Car Fund for - Need - New Activa Scooter for Ankita Fund for - Need - New Motor Bike Fund for - Marriage Expenses Fund for - Post Graduation & Master Degree Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education FutureFinancialGoal Fund for - Dream - Buying A Farm House Future Need Future Dream
  • 4.
    Res.: Cell : State :Country: State : Country: Age : 43 No 60 No 80 Yes Age : 38 60 80 Age 43 38 70 64 11 8 0 0 0 0000 0 00 Female Male Ankita Patel 0 Average 0 Doing Job Very Good 15/01/1970Self Daughter Son Savitaben Patel 16/05/1942 24/10/1948Mother Male Father Nikunj Patel Retired Above Average Studying 25/03/2001 18/09/2004Studying Very Good Retired Samir Patel Ekta Patel Chhotubhai Patel Male Female SuratWorking Field : Medical / Pharma Location / City : Have you a habits of Smoking? Retirement Planned at Age-Years Have you a habits of chewing Gutkha? Life Expectancy : Years Have you a habits of drinking alcohol? Birth Date : 15/01/1970 XYZ Pharma Co. Gujarat India If in Job, Started Year 1995 Residential Status : Own E-mail : samir@xlfinplan.com Location / City : Surat Sex Male Gujarat India 93, Ashirwad, Marital Status : Married Residential Address : Education : M.Sc. Current Status Health Status Family / Dependant Information Birth Date : Retirement Planned at Age-Years Life Expectancy : YearsSelf Employed 12/08/1974 If in Job, Started Year 2000 Working Status: Working IfWorking, GiveDetails Working Field : Financial Services Education : B.Com. Organisation : ABC Financial Co. Job / Business? Date of BirthName Sex Relationship Personal & Family Information Name : Samir Patel Office Address : Contact No.: 0261-2324560 123, M. G. Road, 9879865432 0 Personal&FamilyInformation Female Spouse / Wife Working Very Good 12/08/1974 Very Good Organisation : Job / Business? Doing Job Near Parle Point Spouse Information Name : Ekta Patel
  • 5.
    Particulars Amount Rs.Particulars Outflow 613843 60% Personal Income 613843 Personal Expenses 40200 221859 22% Spouse Income 221859 Housing Expenses 156500 180000 18% Other Income 186000 Food Expenses 82600 0 Living Expenses 98100 0 Health Expenses 52500 0 Entertainment Expenses 61050 0 Loan Repayment 182400 6000 6000 Investment Outflow 321386 1021702 Outflow % Cumulative Outflow % Surplus Ratio% 40200 8% 156500 32% 82600 17% 98100 20% 52500 11% 61050 12% 490950 530752 52% 182400 18% 673350 66% 348352 34% 321386 31% 994736 97% 26966 3% Total Outflow : Food Expenses Living Expenses Regular Payment towards Loan EMI / Interest Payment Surplus & Investments Net Outflow (After Investment Commitment) : Regular Investment Commitment from Surplus Amount : Basic Surplus : ( Total Income - Total Expenses) Net Total Income : ( Amount Rs.: ) RegularExpenses Basic Surplus & Loan Repayment RegularIncome Yearly Amount Rs. Total Expenses : ( Amount Rs.: ) 1% 1021702 Current Expenses : Health Expenses Entertainment Expenses As per Annexure of Detailed Expenses Sheet Personal Expenses Housing Expenses 48% House Rent Income Other Income Interest Income from Advances / Loan Given Other Income Other Income % of Total Income Agriculture Income etc. Particulars Present Situation, Findings & Analysis Present : Cash Inflow -Outflow Analysis Present Cash Flow Situation : Personal Income / Business Income OR Salary Income Spouse Income / Business Income OR Salary Income Current Income : Net Surplus available for Investments : Net Balance ( + / - ) - C/F to Cash Account : 60% 22% 18% Inflow Personal Income Spouse Income Other Income Personal Expenses 4% Housing Expenses 16% Food Expenses 8% Living Expenses 10% Health Expenses 5% Entertainm ent Expenses 6% Loan Repayment 19% Investment Outflow 32% Outflow 0 100000 200000 300000 400000 500000 600000 700000 2013 2015 2017 2019 2021 2023 2025 2027 2029 Basic Surplus : ( Total Income - Total Expenses)
  • 6.
    2500000 5% 0%Yes Yes Yes 200924 2299076 2500000 5% 0% 0 0 0 0 2500000 0 5% 0% 0 0 0 0 0 125000 0% 0% No No No 0 125000 200000 0% 0% No No No 0 200000 0 0% 0% 0 0 0 0 0 160000 0% 10% Yes Yes Yes 45127 114873 0 0% 0% 0 0 0 0 0 35000 0% 10% Yes No No 27823 7177 12000 0% 10% No Yes Yes 0 12000 0 0% 0% 0 0 0 0 0 400000 7% 0 No Yes 400000 0 5% 0% 0 0 0 0 0 0 5% 0% 0 0 0 0 0 0 5% 0% 0 0 0 0 0 0 5% 0% 0 0 0 0 0 1000000 5% 0% 0 0 Yes 0 1000000 0 5% 0% 0 0 0 0 0 200000 7% 0% 0 Yes 200000 0 7% 0% 0 0 0 0 7% 0% 0 0 0 7132000 273874 6858126 5000000 200924 4799076 932000 72950 859050 5932000 273874 5658126 1000000 0 1000000 200000 0 200000 1200000 0 1200000 7132000 273874 6858126 Movable Properties Assetsworth& Liabilities Fixed Assets : : Grand Total Rs.:: Immovable Properties Outstanding Loan Amount Rs. Appreciation (%) Depreciation (%) Assets owner? Wants to use for goal funding? Assets bought on Loan? Under Lien? Residential Building / Flat 0 Investment Purpose only Commercial Land 0 Home Contents / Appliances Home Contents / Appliances Shop / Office Premises Two Wheelers Four Wheelers Four Wheelers 0 0 0 Any Others Appreciation (%) Holiday Home / Farm House Gold / Silver / Ornaments Immovable Properties Agriculture Land Personal Purpose only Gold / Silver / Ornaments Total Amount Rs.: 0 0 Movable Properties Immovable Properties 0 0 FixedAssets- ForPersonal/Familyuse Depreciation (%) Two Wheelers Jewellery / Gold Ornaments 0 0 0Two Wheelers 0 Fixed Assets ( Investments Purpose Only ) 0 0 0 Agriculture Land 0 0 Fixed Assets - (Personal / Family Use ) Immovable Properties Additional Residence / Flat 0 0 Shop / Office Premises Movable Properties Assets ( Personal & Investments ) Movable Properties 0 Furniture / Fixtures / Paintings Total Amount Rs.: Gold / Silver / Ornaments Summary : Assets Worth, as of today? Current Value of Assets Rs. FixedAssets- InvestmentPurpose Total Amount Rs.:
  • 7.
    Asset Type InvestmentCurrent Value Future Investment Commitment Future Income from Investment Surrender Value / Cash Value Fixed OR Estimated Return (%) Current Allocation (%) Weighted Average Rate of Return (%) Cash 95,530 95,530 4.00% 90,000 85,500 8.00% 95,900 93,982 6.00% - 281,430 - - 275,012 3.93% 5.96% Debt 85,000 94,006 - - 84,605 9.69% - - - - - 0.00% 350,000 353,171 - 69,333 317,854 9.79% 435,000 447,177 - 69,333 402,460 6.24% 9.77% Debt 88,000 107,494 32,000 - 96,745 7.95% 500,000 500,000 - 123,750 450,000 9.00% 300,000 300,000 - 77,900 270,000 8.20% 75,000 109,585 - - 98,627 8.41% 150,000 165,798 - - 149,218 8.58% 40,000 47,646 - - 42,881 8.24% 1,153,000 1,230,523 32,000 201,650 1,107,471 17.18% 8.57% Equity - 46,200 - - 34,650 18.00% 0.65% 18.00% Equity - 956,418 3,264,000 - 860,776 15.00% - 87,110 - - 78,399 15.00% - - - - - 15.00% - 20,937 - - 18,843 15.00% Hybrid - 299,773 1,980,000 - 269,795 12.55% - - - - - 10.00% - - - - - 9.40% Debt - - - - - 8.00% - 1,364,237 5,244,000 - 1,227,814 19.05% 14.46% Gold - - - - - 8.00% 200,000 180,000 7.00% - 200,000 - - 180,000 2.79% 7.00% Properties 1,000,000 800,000 5.0% 13.96% 5.00% Debt 155,000 2,396,565 - 8.50% 125,000 174,000 - - - 8.00% 125,000 329,000 2,396,565 - - 4.59% 8.24% Senior Citizen Savings Scheme Real Estate & Other Properties Gold / Silver- ( Coins / Bars / Ornaments) Properties Investment Post Office Scheme Public Provident Fund Stock Market Debt -Short Term, Income & G. Sec. Kisan Vikas Patra National Savings Certificates Post Office - Time Deposits Retirement Fund Retirement A/c. - Contribution (EPF / EPS) Retirement Fund Real Estate Gold / Silver ( ETF / Coins / Bars ) Debt -Liquid Bank FDR Cash & Equivelant Fixed Return Schemes Bank & Company FDR / NCD's Post Office Schemes Direct Equity Mutual Fund Investments Hybrid Fund - MIP Bank Fixed Deposit : < 1 Year Asset Category Scheme Category Mutual Funds Cash Account + Savings A/c. BalanceCash Account Hybrid Fund - Balanced Equity - Thematic & Others Bank FDR Post Office Monthly Income Scheme Equity - Sectoral Post Office Scheme Bonds & NCD's Post Office Recurring Deposit Scheme Direct Equity Equity - Diversified Equity - Diversified -ELSS Mutual Funds Bonds / NCD's & Co. FD's Bank Fixed Deposits > 1 Year Company FD's Hybrid Fund - Asset Allocation/Others Mutual Funds Gold Funds / ETF
  • 8.
    Asset Type InvestmentCurrent Value Future Investment Commitment Future Income from Investment Surrender Value / Cash Value IRR (%) Debt 155,000 206,700 - 37,500 152,280 3.93% - - - - - 0.00% 797,863 1,554,863 668,236 620,000 663,565 5.15% 198,000 360,000 22,000 - 288,032 5.16% 1,150,863 2,121,563 690,236 657,500 1,103,877 29.62% 5.04% Equity 60,000 62,000 - - 58,000 8.28% 150,000 80,000 350,000 - 80,000 7.81% - - - - - 0.00% - - - - - 0.00% 210,000 142,000 350,000 - 138,000 1.98% 8.01% 7,162,131 8,712,801 928,483 5,269,284 100.00% 8.11% Planner'sNote Unit Linked Life Insurance / Pension Plan Single Prem.-Unit Linked Pension Plan Reg. Prem. -Traditional Life Insurance Plan Reg. Prem.-Traditional Pension Plan Single Prem.-Unit Linked Insurance Plan Reg. Prem.-Unit Linked Insurance Plan Your Investment Portfolio is growing @pre-tax return (Weighted Average Return) Single Prem.-Traditional Pension Plan Scheme Category Reg. Prem.-Unit Linked Pension Plan Life Insurance Life Insurance Single Prem.-Traditional Life Ins.Plan Investments Asset Category Traditional Life Insurance / Pension Plan
  • 9.
    Current Asset AllocationAnalysis : Cash Debt Equity Gold Properties Current Value 281430 4233184 1447517 200000 1000000 Surrender Value 275012 2708237 1306035 180000 800000 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 Cash 4% Debt 59% Equity 20% Gold 3% Properties 14% Cash Debt Equity Gold Properties Cash Account Bank FDR Mutual Funds Stock Market Bonds / NCD's & Co. FD's Post Office Scheme Life Insuranc e Physical Gold / Funds / ETF Properti es Investm ent Retirem ent Fund Current Value 95530 184006 1460138 46200 353171 1404523 2263563 200000 1000000 155000 Surrender Value 95530 170105 1321796 34650 317854 1107471 1241877 180000 800000 0 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 Cash Account 1% Bank FDR 2% Mutual Funds 20% Stock Market 1% Bonds / NCD's & Co. FD's 5% Post Office Scheme 20% Life Insurance 32% Physical Gold / Funds / ETF 3% Properties Investment 14% Retirement Fund 2% Cash Account Bank FDR Mutual Funds Stock Market Bonds / NCD's & Co. FD's Post Office Scheme Life Insurance Physical Gold / Funds / ETF Properties Investment Retirement Fund
  • 10.
    Basic Sum Assured Paid UpValue of Policy Pension Plan Value Rs. 15% 12% 9% Traditional Plan Samir Patel Ekta Patel Others 4791102 5780940 7126961 150,000 - - 206,700 - - 2043211 2559091 3311512 - - - 1,200,000 1,468,500 240,000 288,500 1,399,417 - - 342,000 200,000 1,350,000 1,468,500 240,000 495,200 1,741,417 200,000 Unit Linked Plan 75,000 - 75,000 - - - 500,000 500,000 - - 334,180 - - - - - - - 575,000 500,000 75,000 - 334,180 - 500,000 500,000 - - - - - - - - - - 500,000 500,000 - - 11,228,375 13,696,527 17,113,715 2,425,000 2,468,500 315,000 495,200 2,075,597 200,000 Less : 7,480,191 9,248,496 11,713,140 @Return : 15% @Return : 12% @Return : 9% Less : As per Income replacement 4791102 5780940 7126961 As per Expenses replacement 4632898 5705805 7189396 As per Need Analysis 11228375 13696527 17113715 Shortfall (If any) - As per Need Analysis-195228 -1963532 -4428176 7,284,964 7,284,964 7,284,964 195,228 1,963,532 4,428,176 For - Samir Patel For - Ekta Patel Available life cover shield through Investments & Life Insurance 1. As per Income Replacement Concept Required Life Insurance Cover as of today : 2. As per Expense Replacement Concept Present - Life Insurance Coverage - Details & Analysis Existing Life Insurance Cover Details : 4632898 5705805 7189396 Present Death Benefit Value Rs. Reg. Prem.-Pension Plan Scheme Type Single Prem.-Life Insurance Reg. Prem.-Life Insurance Single Prem.-Pension Plan Reg. Prem.-Pension Plan Pure Life Cover Term Plan Total Amount Rs. Future Rate of Return in case of Death Claim occurs as of today : 3848689 4469401 3748183 4448031 949249 949249 3. As Per Need Analysis All Future Need for Child 2316162 3192784 4505670 Available Resources Current Year / Immediate Exp. & Need + O/s. Liabilities 949249 Future Family Expenses ( As above) 4632898 5705805 7189396 4816464 All Other Future Need for Family 3330066 2468500 2468500 2468500 Shortfall of Life Insurance Coverage (if any) Required Net Life Insurance Cover Required Total Life Insurance @various scenario Present Value of Spouse / Other Income in Future Surrender Value of All Investments 4816464 4816464 Existing Death Benefit Coverage - through Life Insurance Single Prem.-Life Insurance Single Prem.-Pension Plan Reg. Prem.-Life Insurance 5400576 @Return : 15% @Return : 12% @Return : 9% As per Income replacement 4791102 5780940 7126961 As per Expenses replacement 4632898 5705805 7189396 As per Need Analysis 11228375 13696527 17113715 Shortfall (If any) - As per Need Analysis -195228 -1963532 -4428176 -10000000 -5000000 0 5000000 10000000 15000000 20000000 Life Insurance Need @various concept & scenario
  • 11.
    Sr_No. Outstanding Loan Balance Rs. Outstanding Period in Months Interestrate today onwards EMI Amount Rs. Outstanding - Interest Amount to be paid Outstanding - Total Amount to be paid 1 200,924 48 9.00% 5,000 39,076 240,000 2 45,127 24 29.00% 2,500 14,873 60,000 3 27,823 30 21.00% 1,200 8,177 36,000 4 74,483 22 18.00% 4,000 13,517 88,000 5 56,817 28 18.00% 2,500 13,183 70,000 6 40,000 0 0.00% 0 0 0 7 0 0 0.00% 0 0 0 8 0 0 0.00% 0 0 0 9 0 0 0.00% 0 0 0 10 0 0 0.00% 0 0 0 11 0 0 0.00% 0 0 0 12 0 0 0.00% 0 0 0 13 0 0 0.00% 0 0 0 14 0 0 0.00% 0 0 0 15 0 0 0.00% 0 0 0 445,174 15,200 88,826 494,000 Four Wheelers Two Wheelers 0 0 Personal Assets 0 For Expenses / Other Need 0 0 0 0 0 0 Loan from Friend's / Relatives 0 0 0 0 0 0 For Expenses / Other NeedCredit Card Outstanding's Credit Card Outstanding's For Expenses / Other Need Residential Building / Flat Assets Name Loan for? Personal Assets Personal Assets Present - Outstanding Loan Liabilities Details : 0 0 0 0% 5% 10% 15% 20% 25% 30% 2012 2014 2015 2016 2017 2018 Loan Ratio - for Continue Existing Loan Loan Ratio - with Self Earning Loan Ratio - with Total Income 0% 5% 10% 15% 20% 25% 30% 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 Loan Ratio - Continue Existing Loan with Planned Future Loan Loan Ratio - with Self Earning Loan Ratio - with Total Income
  • 12.
    Current Valuation Rs. Immediate Liquidation Value Rs. Outstanding LoanAmt. Rs. 5932000 4745600 273874 5932000 4745600 0 Current Valuation Rs. Surrender Valuation Rs. 273874 281430 275012 447177 402460 1230523 1107471 46200 34650 1364237 1227814 200000 180000 1000000 800000 329000 0 2121563 1103877 142000 138000 7162131 5269284 75000 75000 Less : 445174 445174 12723957 9644710 Particulars Current Value Rs.:Surrender Value Rs.: Particulars Current Value Rs.:Surrender Value Rs.: Assets 13169131 10089884 Assets 13169131 10089884 Liabilities 445174 445174 Liabilities 445174 445174 Net Worth 12723957 9644710 Fixed Assets Total : Financial Investments :: Rs.: Traditional Life Insurance / Pension Plan Advances to Friends / Relatives / Others Present Net Worh :: Amount Rs.: For Fixed Assets : Personal Purpose For Investment Purpose : Real Estate / Properties ( Indluding Immovable & Movable Properties) Outstanding Loan Amt. Rs. ( Land / Building /Flats /Vehicles/Home contents Etc.) Outstanding Loan Liabilities Post Office Schemes ( Excluding - PPF A/c.) Direct Equity Mutual Fund -( Excluding - Liquid Fund/Gold ETF) Gold / Silver ( ETF / Coins / Bars ) Real Estate Grand Total :: Assets :: Amount Rs.: 13169131 10089884 Loan Payment - EMI Mode - ( Personal Loan + Credit Card ) Financial Investments Outstanding Loan : On Fixed Assets -Rs.: Net Worth Statement Total : Fixed Assets :: Rs.: For Personal & Family use NetWorthStatementNetWorthStatementNetWorthStatementNetWorthStatement Outstanding Loan : (For Expenses & Other Need) -Rs.: Liabilities Loan from relatives / friends - Regular / Cum. Interest Payment Liabilities for Expenses type Loan Assets Loan Payment Liabilities Cash & Equivelant Bank & Company FDR / NCD's Retirement Fund - ( EPS / EPS / PPF) Unit Linked Life Insurance / Pension Plan 40000 Grand Total : Liabilities :: Amount :: Rs.: 445174 171300 131300 Assets Liabilities Net Worth Current Value Rs.: 13169131 445174 12723957 Surrender Value Rs.: 10089884 445174 9644710 0 2000000 4000000 6000000 8000000 10000000 12000000 14000000 Net Worth Analysis : Current Value Rs.: Surrender Value Rs.: Liabilities 445174 445174 Assets 13169131 10089884 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Assets - Liabilities -(% wise)
  • 13.
    Current Value 7162131 835702 8.57Your Savings /Investments are 8.57 times of your Annual Income -(Self + Spouse Income) 1015702 7.05 Your Savings /Investments are 7.05 times of your Total Annual Income Current Value 445174 835702 0.53 Your Debt to Income Ratio is 0.53 with your Annual Income -(Self + Spouse Income) 1015702 0.44 Your Debt to Income Ratio is 0.44 with your Total Annual Income. Current Value 321386 835702 0.38 Your Savings Rate Ratio is 38% with your Annual Income -(Self + Spouse Income) 1015702 0.32 Your Savings Rate Ratio is 32% with your Total Annual Income Planner's Note : Planner's Note : Planner's Note : Self +Spouse Income Rs. Total Income (Excl. Interest / Div. Income) Rs. ( EPF Contribution (if any) + Regular Investment Commitment) Current Value of your O/s. Payment Liabilities Your Annual Income Self +Spouse Income Rs. Total Income (Excl. Interest / Div. Income) Rs. (Current Investment Value / Current Income) (Current Financial Obligation OR Liabilities / Annual Income) Savings Rate to Income Ratio : Total Annual Savings / Investment Commitment Rs. Your Annual Income is Method / Formula to arrive ratio :Savings to Income Ratio : Current Value of your Savings / Investments is Rs. Your Annual Income Self +Spouse Income Rs. Total Income (Excl. Interest / Div. Income) Rs. Debt to Income Ratio : Method / Formula to arrive ratio : Method / Formula to arrive ratio : (Total Annual Savings / Investment Commitment / Annual Income)
  • 14.
    Current Value 281430 Monthly Amt. 49095040913 182400 15200 56113 5.02 Current Value 5269284 Monthly Amt. 490950 40913 182400 15200 56113 93.91 Planner's Note : Planner's Note : Expanded Liquidity Ratio : Method / Formula to arrive ratio : (Surrender Value of Investments / Monthly Outflow of Expenses & Loan EMI ) Surrender / Liquidity -Value of Investments -Rs. Your Annual Outflow Yearly Expenses Amount Rs. Total Annual Payment of EMI + Interest Your have 93.91 months of provision to sustain living standard, if unable to earn on regular basis. Your have 5.02 months of instant liquid balance to sustain routine expenses. Basic Liquidity Ratio : Method / Formula to arrive ratio : (Total Liquid Assets / Monthly Outflow of Expenses & Loan EMI ) Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) Your Annual Outflow Total Annual Payment of EMI + Interest Yearly Expenses Amount Rs.
  • 15.
    Current Value 281430 445174 0.63 CurrentValue 5269284 445174 11.84 Current Value 7829529 Your Annual Income - Rs. 613843 12.75 Planner's Note : Planner's Note : Planner's Note : Life Insurance Coverage Ratio : Liquid Assets Coverage Ratio : Method / Formula to arrive ratio : (Cur. value of Investment - liabilities + Death Benefit by Life Ins./ Annual Income ) Your Assets + Death Benefit is covering your annual income is 12.75 times. Value of Investments (Excl.- LI Policy) - Liabilies + Death Benefit of Life Ins. Policy Solvency Ratio : Method / Formula to arrive ratio : (Surrender Value of Investments / Total O/s. Liabilities ) Surrender / Liquidity -Value of Investments -Rs. Your Assets is 11.84 times of debt available to repay your debt. Total Debt / O/s. Liabilities Method / Formula to arrive ratio : ( Total Liquid Assets / Total Debt ) Liquid Asset -( Cash +Liquid Funds+FDR<1 Year) Your Liquid Assets Coverage Ratio is 0.63 Total Debt / O/s. Liabilities
  • 16.
    Sr. No. Year Samir Patel Ekta Patel Self Income Spouse Income Agriculture Income (if any) Other Income TotalCash Income Total Expenses Surplus (Basic Cash Flow) Total Loan Repayment Amount Rs. Net Surplus for Savings / Investment Regular Investment Commitme nt (Outflow) Net Balance ( + / - ) @Each Year Ended 0 2013 43 38 613843 221859 180000 6000 1021702 490950 530752 182400 348352 321386 26966 1 2014 44 39 630472 231883 189000 6000 1057355 530128 527227 182400 344827 327386 17441 2 2015 45 40 659635 242058 198450 56000 1156143 572510 583633 139776 443857 319086 124771 3 2016 46 41 684401 253699 208373 0 1146472 618363 528108 60000 468108 337086 131022 4 2017 47 42 709417 266959 218791 39338 1234505 667980 566525 10000 556525 355086 201439 5 2018 48 43 737042 279222 229731 0 1245995 721677 524318 0 524318 373086 151232 6 2019 49 44 765433 292097 241217 0 1298747 779798 518949 0 518949 342332 176617 7 2020 50 45 794647 305628 253278 0 1353553 842716 510837 0 510837 354332 156505 8 2021 51 46 824982 319820 265942 0 1410744 910836 499908 0 499908 366332 133576 9 2022 52 47 856846 334732 279239 0 1470817 984601 486216 0 486216 378332 107884 10 2023 53 48 972688 366501 293201 0 1632391 1064488 567902 0 567902 390332 177570 11 2024 54 49 1007817 384826 307861 0 1700504 1151020 549485 0 549485 396332 153153 12 2025 55 50 1044693 404068 323254 0 1772014 1244760 527254 0 527254 402332 124922 13 2026 56 51 1084330 424271 339417 0 1848018 1346326 501692 0 501692 408332 93360 14 2027 57 52 1126276 445485 356388 0 1928148 1456386 471762 0 471762 389332 82430 15 2028 58 53 1170311 467759 374207 0 2012277 1575668 436609 0 436609 389332 47277 16 2029 59 54 1216551 491147 392917 0 2100616 1704963 395653 0 395653 365593 30060 17 2030 60 55 1265100 514087 412563 0 2191750 1845132 346618 0 346618 360000 -13382 18 2031 61 56 0 537215 0 0 537215 0 537215 0 537215 0 537215 19 2032 62 57 0 561498 0 0 561498 0 561498 0 561498 0 561498 20 2033 63 58 0 587001 0 0 587001 0 587001 0 587001 0 587001 21 2034 64 59 0 613781 0 0 613781 0 613781 0 613781 0 613781 22 2035 65 60 0 641889 0 0 641889 0 641889 0 641889 0 641889 23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 24 2037 67 62 0 0 0 0 0 0 0 0 0 0 0 25 2038 68 63 0 0 0 0 0 0 0 0 0 0 0 26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 28 2041 71 66 0 0 0 0 0 0 0 0 0 0 0 29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 31 2044 74 69 0 0 0 0 0 0 0 0 0 0 0 32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 34 2047 77 72 0 0 0 0 0 0 0 0 0 0 0 35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 Cash - Inflow & Outflow - Statement with Annexures Age : -500000 0 500000 1000000 1500000 2000000 2500000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash : Net Total Income : ( Amount Rs.: ) -100000 0 100000 200000 300000 400000 500000 600000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Regular Investments : Balance C/F to Cash : Net Surplus available for Investments :
  • 17.
    Sr. No. Year Samir Patel Ekta Patel Personal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainm ent Expenses Total Expenses 0 2013 4338 40200 156500 82600 98100 52500 61050 490950 1 2014 44 39 42612 167455 89208 105948 57750 67155 530128 2 2015 45 40 45169 179177 96345 114424 63525 73871 572510 3 2016 46 41 47879 191719 104052 123578 69878 81258 618363 4 2017 47 42 50752 205140 112376 133464 76865 89383 667980 5 2018 48 43 53797 219499 121366 144141 84552 98322 721677 6 2019 49 44 57024 234864 131076 155672 93007 108154 779798 7 2020 50 45 60446 251305 141562 168126 102308 118969 842716 8 2021 51 46 64073 268896 152887 181576 112538 130866 910836 9 2022 52 47 67917 287719 165118 196102 123792 143953 984601 10 2023 53 48 71992 307859 178327 211791 136171 158348 1064488 11 2024 54 49 76312 329409 192593 228734 149789 174183 1151020 12 2025 55 50 80890 352468 208001 247032 164767 191601 1244760 13 2026 56 51 85744 377141 224641 266795 181244 210761 1346326 14 2027 57 52 90888 403541 242612 288139 199369 231837 1456386 15 2028 58 53 96342 431788 262021 311190 219306 255021 1575668 16 2029 59 54 102122 462014 282983 336085 241236 280523 1704963 17 2030 60 55 108249 494355 305621 362972 265360 308575 1845132 18 2031 61 56 0 0 0 0 0 0 0 19 2032 62 57 0 0 0 0 0 0 0 20 2033 63 58 0 0 0 0 0 0 0 21 2034 64 59 0 0 0 0 0 0 0 22 2035 65 60 0 0 0 0 0 0 0 23 2036 66 61 0 0 0 0 0 0 0 24 2037 67 62 0 0 0 0 0 0 0 25 2038 68 63 0 0 0 0 0 0 0 26 2039 69 64 0 0 0 0 0 0 0 27 2040 70 65 0 0 0 0 0 0 0 28 2041 71 66 0 0 0 0 0 0 0 29 2042 72 67 0 0 0 0 0 0 0 30 2043 73 68 0 0 0 0 0 0 0 31 2044 74 69 0 0 0 0 0 0 0 32 2045 75 70 0 0 0 0 0 0 0 33 2046 76 71 0 0 0 0 0 0 0 34 2047 77 72 0 0 0 0 0 0 0 35 2048 78 73 0 0 0 0 0 0 0 36 2049 79 74 0 0 0 0 0 0 0 37 2050 80 75 0 0 0 0 0 0 0 38 2051 81 76 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 Age : 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Breakup of Expenses Personal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses -20% 0% 20% 40% 60% 80% 100% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Breakup of Outflow Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash :
  • 18.
    @ Future Int.Rate (%) 9% Present Cost of Goal OR Target Goal Amount Fund to be required in Period OR Year Fund to be required for No. of Years Wants to Protect Need & Provide Life Cover Yes /No. Sr. Year Your Age Spouse Age Life Insurance to be required / Opening Balance Family Expenses Outstanding Loan Liabilities To cover future expenses : Planning For- Ankita Patel To cover future expenses : Planning For- Nikunj Patel Current & Future Financial Needs for Family Spouse Income (Subject to Life Ins.Cover ) Other Income % wise Amt. wise 15% 12% 9% 1 2013 43 38 11713140 394075 445174 110000 203370 165000 580879 1001904 12134165 156500 7% 0 2014 - to - 2030 17 Yes 2 2014 44 39 12134165 487516 27500 27500 0 231883 195000 115633 1081668 13100199 82600 8% 0 2014 - to - 2030 17 Yes 3 2015 45 40 13100199 527341 30250 30250 0 242058 254450 91333 1170798 14179664 98100 8% 0 2014 - to - 2030 17 Yes 4 2016 46 41 14179664 570484 33275 33275 0 253699 208373 174963 1260423 15265124 52500 10% 0 2014 - to - 2030 17 Yes 5 2017 47 42 15265124 617228 95167 36603 0 266959 258129 223910 1353709 16394924 61050 10% 0 2014 - to - 2030 17 Yes 6 2018 48 43 16394924 667880 104683 40263 5352902 279222 229731 5656776 966433 11704581 % wise Amt. wise 7 2019 49 44 11704581 722773 115151 44289 0 292097 241217 348899 1022011 12377693 0 0% Yes 8 2020 50 45 12377693 782270 126667 126667 1628133 305628 253278 2104830 924558 11197421 25000 10% 2014 - To - 2016 3 Yes 9 2021 51 46 11197421 846764 214359 139333 0 319820 265942 614694 952445 11535173 65000 10% 2017 - To - 2020 4 Yes 10 2022 52 47 11535173 916684 235795 153267 99950 334732 279239 791725 966910 11710358 100000 10% 2021 - To - 2023 3 Yes 11 2023 53 48 11710358 992496 259374 168593 0 366501 293201 760762 985464 11935060 150000 10% 2024 - To - 2026 3 Yes 12 2024 54 49 11935060 1074708 427968 427968 0 384826 307861 1237955 962739 11659844 0 0% Yes 13 2025 55 50 11659844 1163870 470764 470764 151090 404068 323254 1529167 911761 11042439 600000 6% 2027 1 Yes 14 2026 56 51 11042439 1260582 517841 517841 0 424271 339417 1532576 855888 10365751 0 0% Yes 15 2027 57 52 10365751 1365497 1356542 759500 0 445485 356388 2679667 691748 8377831 25000 10% 2014 - To - 2016 3 Yes 16 2028 58 53 8377831 1479326 0 835450 0 467759 374207 1472810 621452 7526473 65000 10% 2017 - To - 2020 4 Yes 17 2029 59 54 7526473 1602841 0 918995 0 491147 392917 1637771 529983 6418686 100000 10% 2021 - To - 2023 3 Yes 18 2030 60 55 6418686 1736883 0 4584037 0 514087 412563 5394269 92197 1116614 150000 10% 2024 - To - 2026 3 Yes 19 2031 61 56 1116614 0 0 0 0 0 0 0 100495 1217109 Yes 20 2032 62 57 1217109 0 0 0 0 0 0 0 109540 1326649 600000 6% 2027 1 Yes 21 2033 63 58 1326649 0 0 1326649 0 0 0 1326649 0 0 22 2034 64 59 0 0 0 0 0 0 0 0 0 0 4000000 6% 2018 1 Yes 23 2035 65 60 0 0 0 0 0 0 0 0 0 0 950000 8% 2020 1 Yes 24 2036 66 61 0 0 0 0 0 0 0 0 0 0 50000 8% 2022 1 Yes 25 2037 67 62 0 0 0 0 0 0 0 0 0 0 60000 8% 2025 1 Yes 26 2038 68 63 0 0 0 0 0 0 0 0 0 0 0 0% Yes 27 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0% Yes 28 2040 70 65 0 0 0 0 0 0 0 0 0 0 10279126 12747278 16164467 29 2041 71 66 0 0 0 0 0 0 0 0 0 0 Yes 30 2042 72 67 0 0 0 0 0 0 0 0 0 0 Yes 31 2043 73 68 0 0 0 0 0 0 0 0 0 0 Yes 32 2044 74 69 0 0 0 0 0 0 0 0 0 0 Total Life Insurance required for future need : Amount Rs. : 6899313 8667618 11132261 33 2045 75 70 0 0 0 0 0 0 0 0 0 0 34 2046 76 71 0 0 0 0 0 0 0 0 0 0 35 2047 77 72 0 0 0 0 0 0 0 0 0 0 36 2048 78 73 0 0 0 0 0 0 0 0 0 0 37 2049 79 74 0 0 0 0 0 0 0 0 0 0 36850 Yes 60000 38 2050 80 75 0 0 0 0 0 0 0 0 0 0 143458 Yes 0 39 2051 81 76 0 0 0 0 0 0 0 0 0 0 75717 Yes 0 40 2052 82 77 0 0 0 0 0 0 0 0 0 0 89925 Yes 0 41 2053 83 78 0 0 0 0 0 0 0 0 0 0 48125 Yes 0 42 2054 84 79 0 0 0 0 0 0 0 0 0 0 839249 110000 43 2055 85 80 0 0 0 0 0 0 0 0 0 0 949249 44 2056 86 81 0 0 0 0 0 0 0 0 0 0 368370 45 2057 87 82 0 0 0 0 0 0 0 0 0 0 580879 580879 580879 46 2058 88 83 0 0 0 0 0 0 0 0 0 0 Gross Life Insurance required to protect all need of your family in your absence : (@ various rate ) :: 7480191 9248496 11713140 47 2059 89 84 0 0 0 0 0 0 0 0 0 0 <== Select future Interest Rate on Lump sum Investment from life insurance claim amount to provide a future need to family Required Life Insurance - Death Claim Cash Flow Statement Gross Life Insurance Cover for Future Need : Amount Rs. :: N.A. Wedding exp. Of Niece 50000 Total Life Insurance Cover for Present Need : Amount Rs. :: Family Expenses Amount required for Immediate Need OR in Current Year - i.e. in 2013 Add : Other Need Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses Maternity Exp. For Sister 0 0 0 0 Present OR Immediate Need / Particulars Required Amount Rs. Wants to Protect Need? Present OR Immediate Need / Particulars Required Amount Rs. Loan Repayment O/S. Loan Liabilities - For Assets & Cash Loan Total required Amount Rs.: Total required Amount Rs.: 445174 FutureFinancial Goal Future Need Need - Fund for - Buying a New House Need - Fund for - New Motor Car Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike 4079660 5032205 3330066 3848689 4469401 3379813 ChildFuturePlanning Planning For- Ankita Patel Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Less : Other Income Spouse Income -( Subject to Life Insurance Cover available ) Agriculture Income etc. Total Income from other sources Fund for - Marriage Expenses Planning For- Nikunj Patel Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Life insurance cover amount, which will provided to your family for future expenses & nneds in your absence & generate return on that @diff. (%) 929600 1203103 1583574 1386562 1989681 2922096 Different Rate of Return, Scenario of Future Cash Flow in your absence & Provide Financial Shelter to your Family 4632898 5705805 7189396 I wish to provide Life Insurance cover to my family for following future needs & liabilities. Inflation Effect - Present Goal Amount will rise @Rate Future Expensesfor Family Family Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses Net Amount to be required in future Interest on Balance Amt. Closing Balance Present & Future Need to Family in your absence Less : Future Income Less : Present OR immediate income from spouse & other income Fund for - For start in life Fund for - Marriage Expenses Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education 0 2000000 4000000 6000000 8000000 10000000 12000000 14000000 16000000 18000000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 Required Balance @Each year Net Requirement Interest on Death Claim
  • 19.
    For : Basic Sum Assured PresentDeath Benefit Value Current Value Paid Up Value of Policy Surrender Value Rs. Add : 2,468,500 Traditional Life Insurance Plan 900,000 1,468,500 1,180,398 1,024,250 372,820 - - - - - 900,000 1,468,500 1,180,398 1,024,250 372,820 Unit Linked Life Insurance Plan Cash Account 95530 95530 500,000 500,000 80,000 334,180 80,000 Bank FDR 184006 170105 - - - - - Mutual Funds 1460138 1321796 500,000 500,000 80,000 334,180 80,000 Stock Market 46200 34650 Life Insurance : Pure Term Plan Bonds / NCD's & Co. FD's 353171 317854 500,000 500,000 Post Office Scheme 1404523 1107471 - - Other Life Ins. & Pension Plan 1003165 789057 - - Physical Gold / Funds / ETF 200000 180000 500,000 500,000 Properties Investment 1000000 800000 Retirement Fund 155000 0 For : Basic Sum Assured Present Death Benefit Value Current Value Pension Plan Value Rs. Surrender Value Rs. Particulars @Return : 15%@Return : 12%@Return : 9% Traditional Life Insurance Plan Reqired Life Ins. Cover7480191 9248496 11713140 200,000 240,000 90,265 90,000 29,133 Exsting Life Ins. Cover7284964 7284964 7284964 - - - - - Shortfall (if any) -195228 -1963532 -4428176 200,000 240,000 90,265 90,000 29,133 Unit Linked Life Insurance Plan - - - - - 75,000 75,000 62,000 - 58,000 75,000 75,000 62,000 - 58,000 - - - - - - - - 15% 12% 9% 2043211 2559091 3311512 Analysis - Actual Available Life Insurance Coverage & Shortfall (if any) 9%15% 12% 315,000 315,000 315,000 275,000 315,000 152,265 4816464 7284964 Available Life Insurance Coverage through existing Life Insurance Policies With Coverage through Existing Assets Value Samir Patel Scheme Category / Particulars Surrender Value >> Investment Instrument Reg. Prem.-Unit Linked Insurance Plan Existing Life Insurance Coverage - Death Benefit Value Rs. Existing available coverage to family - Amount Rs. 7284964 Ekta Patel Present available coverage to family - Amount Rs.: Reg. Prem. -Traditional Life Ins.Plan Single Premium -Traditional Life Ins. Plan Current Value Surrender Value Select Option Existing Investment Value Rs. : Total Amount Rs.: 1,900,000 2,468,500 1,260,398 1,358,430 452,820 Single Premium -Unit Linked Ins. Plan 7284964 90,000 87,133 Required Life Insurance Coverage : As per Income Replacement Strategy : 7284964 1963532 4428176 9248496 11713140 Scheme Category / Particulars Reg. Prem. -Traditional Life Ins. Plan Single Prem. -Traditional Life Ins. Plan Reg. Prem.-Unit Linked Insurance Plan Single Premium -Unit Linked Ins. Plan Total Amount Rs.: Available Life Insurance Coverage : 1,728,211 2,244,091 2,996,512 Life Insurance - Pure Term Plan Additional Life Insurance Cover to be required for : Ekta Patel 195228 Gross Life Insurance Need to Family : (As above Calculated) 7480191 Additional Life Insurance cover to be required to protect your family in your absence : @Return : 15% @Return : 12% @Return : 9% Reqired Life Ins. Cover 7480191 9248496 11713140 Exsting Life Ins. Cover 7284964 7284964 7284964 Shortfall (if any) -195228 -1963532 -4428176 -6000000 -4000000 -2000000 0 2000000 4000000 6000000 8000000 10000000 12000000 14000000 11713140 12134165 13100199 14179664 15265124 16394924 11704581 12377693 11197421 11535173 11710358 11935060 11659844 11042439 10365751 8377831 7526473 6418686 1116614 1217109 1326649 0 2000000 4000000 6000000 8000000 10000000 12000000 14000000 16000000 18000000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 Required V/s. Available -Life Insurance Cover Analysis Available Life Ins. Cover Shortall in Life Ins. Cover Required Life Ins. Cover 580879 115633 91333 174963 223910 5656776 348899 2104830 614694 791725 760762 1237955 1529167 1532576 2679667 1472810 1637771 5394269 0 0 1326649 -1000000 0 1000000 2000000 3000000 4000000 5000000 6000000 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 Need to be covered V/s.Need to be met & Shortfall to Need CoverShortfall to need with existing cover Need to be met with existing life cover Total Need to be Cover
  • 20.
    Self Family History NameSex Relationship Current StatusHealth Status Date of Birth Age Covered under Health Insurance? Any permanent physical disability? Continue on any Medications or Drugs? Major Surgery /Hospitalisation in last 5 Years? Samir Patel Male Self Doing Job Very Good 15/01/1970 43 Yes No No No 0 High / Low BP Ekta Patel Female Spouse / Wife Working Very Good 12/08/1974 38 Yes No No No 0 Heart Disease Chhotubhai Patel Male Father Retired Above Average 16/05/1942 70 No No Yes No High / Low BP 0 Savitaben Patel Female Mother Retired Average 24/10/1948 64 No No Yes No 0 0 Ankita Patel Female Daughter Studying Very Good 25/03/2001 11 Yes No No No 0 0 Nikunj Patel Male Son Studying Very Good 18/09/2004 8 Yes No No No 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 4 0 0 0 0 0 Policy TypePolicy TypePolicy TypePolicy Type 0 0 0 0 0 0 0 0 0 0 0 0 0 Have you or any family member ever suffered / suffering from? Family Health Information & History Risk Protection Strategies Heartbeat Max Bupa Floating 12000 500000 13/01/2011 Health Insurance Policy Details Policy Name Insurer Company Policy Type Annual Premium Sum Assured Start Date No. of Insured Person 0 0 0 0 0 0 0 0 0 0 0 0 Planner's Comments / Advice - On Health Insurance Coverage Group Mediclaim Individual ORIndividual ORIndividual ORIndividual OR FloatingFloatingFloatingFloating Suggested HealthSuggested HealthSuggested HealthSuggested Health Cover /SumCover /SumCover /SumCover /Sum AssuredAssuredAssuredAssured Indicative Annual Premium Amount Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company 0 0 0 0 Planner's Comment / Remark / Action to Proceeds
  • 21.
    0 1200 0 00 0 0 0 0 0 0 Policy TypePolicy TypePolicy TypePolicy Type 7480191 9248496 11713140 1,468,500 500,000 500,000 4,816,464 7284964 7284964 7284964 195228 1963532 4428176 5,316,464 5,316,464 5,316,464 5,316,464 Required Life Insurance after advice on existing life insurance 2,163,728 3,932,032 6,396,676 - - - - 4000000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 1836272 67968 -2396676 New India 26/03/2006 1000000Personal Accident Samir Patel No. of Family Person / Assets Insured Insurance Policy ( For) Name of Person Insured Insurer Company Start Date Annual Premium Pure Risk Coverage - General Insurance Policy Details 00/01/1900 Vehicles 0 New India 24/03/2004 Sum Assured Rider (if any) 0 Group Pers.Accident 0 0 00/01/1900 0 Critical Illness 0 0 00/01/1900 1700 0 0 0Household 0 0 Available Life Insurance Coverage through -Policy & Investments : ===> Present death benefit available through Traditional Life Insurance Planner's Comments / Advice on other General Insurance Coverage / Risk Protection Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company Suggested HealthSuggested HealthSuggested HealthSuggested Health Cover /SumCover /SumCover /SumCover /Sum AssuredAssuredAssuredAssured Indicative Annual Premium Amount Individual ORIndividual ORIndividual ORIndividual OR FloatingFloatingFloatingFloating 12% 9%For Samir Patel Required Life Insurance Coverage - As per Need Analysis Report ===> Present death benefit available through Unit Linked Insurance Plan ===> Present death benefit available through Term Plan ===> Present coverage through Surrender Value of Current Investments Less : ===> Death Benefit / Sum Assured - will reduce due to advice for Policy Paid up / surrendering bad / junk policy etc. - Traditional & Ulip Plans. Net life insurance coverage available after advice on existing policy 1,968,500 Less: ===> Advice for take additional life ins. coverage through Tradi. Plan +Ulip ===> Advice for take additional life ins. coverage through Pure Term Plan Shortfall in Life Insurance Coverage - with diff. return scenario ( if any) 1,968,500 1,968,500 1,968,500 Shortfall /Excess -After addition of Life Insurance Coverage (if any) Total : Planner's Comment / Remark / Action to Proceeds Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company Life Insurance Coverage 15% Indicative Annual Premium Amount Planner'sAdvice/RemarkonLifeInsurance Suggested Life Insurance CoverSuggested Life Insurance CoverSuggested Life Insurance CoverSuggested Life Insurance Cover /Sum Assured/Sum Assured/Sum Assured/Sum Assured
  • 22.
    1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 How would youdescribe yourself as a risk-taker? Balanced - (Medium Risk) Result of Risk Analysis Risk Capacity 1 - 3 years You have a market tip on the price appreciation of a certain scrip, you : Are happy with the Rs.10,000 that you've earned Are satisfied and content with the decision How good is your knowledge of finance? If you lose your job or stop working today, how long do you think your savings can support you Aggregate Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor You are on a TV game show and you win Rs.10,000. You have a choice to keep the money or risk it to win a higher amount. You : Do some enquiry and analysis and then decide Your risk analysis from above questionnaire Buy more of them Medium Balanced - (Medium Risk) The stock market has dropped 25% and a share that you own also dropped 25%, but 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 sum 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 your spouse's income) invest the money in Open ended Equity Oriented Mutual Fund Risk Behaviour Your age is : Findings from your Risk Analysis Which one of the following best describes your feeling immediately after making an investment, you : 41 - 50 between Rs.500,000 and Re.10,00,000 15 years or more Is relatively secure It would far outpace inflation Willing to take risks for higer returns I don't know much about finance but I keep myself updated about the developments through newspapers, journals, TV, etc. The number of years you have until retirement is : Your present job or business is : Your current annual take-home income is : Invest the money in Mutual Funds What is your expectation of how your future earnings would be : If you had Rs.50,000 to invest, which of the following choices would you make ?
  • 23.
    Current Value 1855306% 490,950 95900 6% 182,400 0 8% 321,386 46200 18% 994,736 956418 15% For Months 87110 15% 0 15% 20937 15% 299773 13% 0 10% 0 9% 0 8% 1691868 13.14% 0 - to - 3 8% 281430 17% 9.20% 4 - to - 7 9% 1203892 71% 9.44% 206545 12% 12.00% Total : 1691868 100.00% 9.20% Note : Age : 60 Year : 2030 Age : 80 Year : 2050 Select : 2 Calculation of Required Emergency Fund. Particulars Regular Investment Commitment Total Yearly Outflow Amount Rs. Planner's Note Regular Expenses Loan EMI Amount 4 331579 Also required fund in Cash & Equivalent for Current Year Requirements ( If any) Total Amount to be required in Current Year ( i.e. in Year ) Fairly Important 18 Optimum Return Investment Priorities Preserve Capital Some Extent Regular Income Not Priority Period ( No. of Years ) upto Retirement.: Retirement : Life Expectacy : Ease of Management Very Concern Post Retirement Rate of Return (%) Growth Over Time Very Important Fairly Important Retirement Cash Flow - With Accumulation & Consumption. Maximum Growth Some Extent Hybrid Fund - Asset Allocation/Others Hybrid Fund - MIP Gold Funds / ETF Total Amount & Weighted Avg. Return If retirement period is fall in Short / Medium Term Period, Long Term Return Rate is automatically replaced by Post Retirement Rate of Return. Please check first, how much year left to retirement. RiskAnalysis Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund) Existing Portfolio Portfolio Weightage Short to Medium Term Medium to Long Term Cash / S.B. A/c. / Bank FDR <1 Year Equity - Thematic & Others Post Tax Rate of Return (%) 8% Timely Goal Achievement Short Term Need Medium Term Need 8 - Year onwards Hybrid Fund - Balanced Expected Wighted Average Return (%) Finding from Your Risk Analysis Result of Risk Analysis Future Need - Period breakup with required Rate of Return Post Tax - Return Select 12% For - Pre - Retirement Period : Period (Years) : Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund) Existing Portfolio Expected Return (%) Risk Behaviour Long Term Funds Post Tax Rate of Return - Assumption Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor Aggregate Balanced - (Medium Risk) Risk Capacity Medium Balanced - (Medium Risk) Debt -Liquid Goal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation With Existing Investment Portfolio Tax Relief/advantage Concern Safety/ Security Extremely Concern Liquidity Concern Generating Income Not Concern Debt -Short Term, Income & G. Sec. Direct Equity Equity - Diversified Equity - Diversified -ELSS Equity - Sectoral Long Term Need Very Concern 110000 Emergency Fund - Should be kept in form of Cash & Equivalent Advice to kept emergency fund in Cash or Equivalent for the Month Nos. >>>> Financial Concerns Inflation
  • 24.
    Age at Goal Start PresentCost of Goal OR Target Goal Amount Inflation Effect - Present Goal Amount will rise @%wise OR Amt.wise Period ( Years) available for Regular Investments Fund to be required in Period OR Year Fund to be required for No. of Years Goal Priority If Goal Selection is "Yes", Goal Funding from Assets Liquidation / Future Loan? Future Goal - Amount to be required Rs. Goal Funding Amt. from Assets Liquidation / Future Loans - Rs. Goal Funding Amount through Financial Investment A/c. Total Possible Goal Achievement Amt. Rs. Shortfall in Goal Amt. Rs. Possible Goal Achievement %wise Shortfall in Goal %wise Child Age % OR/ Amt,wise 0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0% 12 25000 10.00% 1 2014 - To - 2016 3 High Yes N.A. 91025 0 91025 91025 0 100% 0% 15 65000 10.00% 4 2017 - To - 2020 4 High Yes N.A. 441668 0 441668 441668 0 100% 0% 19 100000 10.00% 8 2021 - To - 2023 3 High Yes N.A. 709528 0 709528 709528 0 100% 0% 22 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 25 600000 6.00% 14 2027 1 High Yes Yes 1356542 271308 1085234 1356542 0 100% 0% Child Age 4015335 271308 3744027 4015335 0 100% 0% 0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0% 9 25000 10.00% 1 2014 - To - 2019 6 High Yes N.A. 212179 0 212179 212179 0 100% 0% 15 65000 10.00% 7 2020 - To - 2023 4 High Yes N.A. 587860 0 587860 587860 0 100% 0% 19 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0% 22 200000 10.00% 14 2027 - To - 2029 3 High Yes N.A. 2513944 0 2513944 2513944 0 100% 0% 25 2000000 5.00% 17 2030 1 High Yes Yes 4584037 3438027 1146009 4584037 0 100% 0% 28 500000 5.00% 17 2033 1 High Yes Yes 1326649 928654 397995 1326649 0 100% 0% Your Age 10641241 4366682 6274559 10641241 0 100% 0% 48 4000000 6.00% 5 2018 1 High Yes Yes 5352902 4014677 1338226 5352902 0 100% 0% 50 950000 8.00% 7 2020 1 Medium Yes Yes 1628133 488440 1139693 1628133 0 100% 0% 52 50000 8.00% 9 2022 1 High Yes Yes 99950 0 99950 99950 0 100% 0% 55 60000 8.00% 12 2025 1 High Yes Yes 151090 75545 75545 151090 0 100% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% Your Age 7232076 4578662 2653414 7232076 0 100% 0% 60 6984881 0 17 2030 1 High Yes 70663066 0 5460413 5460413 65202652 8% 92% 60 100000 10.00% 17 2030 1 High Yes 505447 0 505447 505447 0 100% 0% 60 10000000 5.00% 17 2030 1 High Yes 22920183 0 22920183 22920183 0 100% 0% 60 50000 6.00% 17 2030 1 Low Yes 134639 0 134639 134639 0 100% 0% 60 100000 6.00% 17 2030 1 Optional Yes 269277 0 269277 269277 0 100% 0% Your Age 94492612 29289959 29289959 65202652 31% 69% 62 5000000 6.00% 17 2032 1 Optional Yes Yes 15127998 0 14547823 14547823 580175 96% 4% 67 5000000 17 2037 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100% 50 25000 6.00% 7 2020 - To - 2032 Every 3 Year Medium Yes Yes 274834 0 199194 199194 75640 72% 28% 62 50000 6.00% 17 2032 - To - 2050 Every 3 Year 0 Yes Yes 1468591 0 0 0 1468591 0% 100% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 21871422 0 14747017 14747017 7124406 67% 33% 138252686 9216652 56708977 65925628 72327058 48% 52% Financial Goal Particulars Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Need - Fund for - New Motor Car Fund for -- Pre-Primary & Primary Education Fund for -- Secondary & Higher Sec. Education Fund for -- Graduation & Higher Education Fund for -- Post Graduation & Master Degree Fund for -- For start in life Fund for -- Marriage Expenses Dream - Fund for - Long Tour Dream - Fund for - Buying A Farm House Future Need ChildFuturePlanning Planning For- Ankita Patel Planning For- Nikunj Patel Fund for - Post Graduation & Master Degree FutureFinancial Goal Future Dreams Retirement Planning Retirement Corpus & Provision FutureFinancial Goal Dream - Fund for - Create Wealth Dream - Fund for - Domestic Tour Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Goal SelectionGoal SelectionGoal SelectionGoal Selection Fund for - Marriage Expenses Need - Fund for - Buying a New House After calculating with your actual cash flow Fund for - Graduation & Higher Education Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Wants to include OR Calculate your Goal Amt. with Current Cash Flow?
  • 25.
    Sr. No. YearSamir Patel Ekta Patel Ankita Patel Nikunj Patel Self Income ( Net of Tax ) Spouse Income (Net of Tax) Agriculture Income (if any) Other Income Total Income Total Expenses Surplus (Basic Cash Flow) Total Loan Repayment Amount Rs. Loan Repayment For Future Goal Amount Rs. Net Surplus for Savings / Investment Regular Investment Commitment (Outflow) Net Balance ( + / - ) @Each Year Ended 0 2013 43 38 11 8 562690 203370 165000 5000 936060 450038 486022 152000 334022 232093 101929 1 2014 44 39 12 9 630472 231883 189000 6000 1057355 530128 527227 182400 0 344827 327386 17441 2 2015 45 40 13 10 659635 242058 198450 56000 1156143 572510 583633 139776 0 443857 319086 124771 3 2016 46 41 14 11 684401 253699 208373 0 1146472 618363 528108 60000 0 468108 337086 131022 4 2017 47 42 15 12 709417 266959 218791 39338 1234505 667980 566525 10000 0 556525 355086 201439 5 2018 48 43 16 13 737042 279222 229731 0 1245995 721677 524318 0 125253 399065 373086 25979 6 2019 49 44 17 14 765433 292097 241217 0 1298747 779798 518949 0 125253 393696 342332 51364 7 2020 50 45 18 15 794647 305628 253278 0 1353553 842716 510837 0 235206 275631 354332 -78701 8 2021 51 46 19 16 824982 319820 265942 0 1410744 910836 499908 0 235206 264702 366332 -101630 9 2022 52 47 20 17 856846 334732 279239 0 1470817 984601 486216 0 235206 251010 378332 -127322 10 2023 53 48 21 18 972688 366501 293201 0 1632391 1064488 567902 0 235206 332696 390332 -57636 11 2024 54 49 22 19 1007817 384826 307861 0 1700504 1151020 549485 0 235206 314279 396332 -82053 12 2025 55 50 23 20 1044693 404068 323254 0 1772014 1244760 527254 0 125253 402001 402332 -331 13 2026 56 51 24 21 1084330 424271 339417 0 1848018 1346326 501692 0 125253 376439 408332 -31893 14 2027 57 52 25 22 1126276 445485 356388 0 1928148 1456386 471762 0 125253 346509 389332 -42823 15 2028 58 53 26 23 1170311 467759 374207 0 2012277 1575668 436609 0 0 436609 389332 47277 16 2029 59 54 27 24 1216551 491147 392917 0 2100616 1704963 395653 0 0 395653 365593 30060 17 2030 60 55 28 25 1265100 514087 412563 0 2191750 1845132 346618 0 0 346618 360000 -13382 18 2031 61 56 29 26 0 537215 0 0 537215 0 537215 0 0 537215 0 537215 19 2032 62 57 30 27 0 561498 0 0 561498 0 561498 0 0 561498 0 561498 20 2033 63 58 31 28 0 587001 0 0 587001 0 587001 0 0 587001 0 587001 21 2034 64 59 32 29 0 613781 0 0 613781 0 613781 0 0 613781 0 613781 22 2035 65 60 33 30 0 641889 0 0 641889 0 641889 0 0 641889 0 641889 23 2036 66 61 34 31 0 0 0 0 0 0 0 0 0 0 0 0 24 2037 67 62 35 32 0 0 0 0 0 0 0 0 0 0 0 0 25 2038 68 63 36 33 0 0 0 0 0 0 0 0 0 0 0 0 26 2039 69 64 37 34 0 0 0 0 0 0 0 0 0 0 0 0 27 2040 70 65 38 35 0 0 0 0 0 0 0 0 0 0 0 0 28 2041 71 66 39 36 0 0 0 0 0 0 0 0 0 0 0 0 29 2042 72 67 40 37 0 0 0 0 0 0 0 0 0 0 0 0 30 2043 73 68 41 38 0 0 0 0 0 0 0 0 0 0 0 0 31 2044 74 69 42 39 0 0 0 0 0 0 0 0 0 0 0 0 32 2045 75 70 43 40 0 0 0 0 0 0 0 0 0 0 0 0 33 2046 76 71 44 41 0 0 0 0 0 0 0 0 0 0 0 0 34 2047 77 72 45 42 0 0 0 0 0 0 0 0 0 0 0 0 35 2048 78 73 46 43 0 0 0 0 0 0 0 0 0 0 0 0 36 2049 79 74 47 44 0 0 0 0 0 0 0 0 0 0 0 0 37 2050 80 75 48 45 0 0 0 0 0 0 0 0 0 0 0 0 38 2051 81 76 49 46 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 50 47 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 51 48 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 52 49 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 53 50 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 54 51 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 55 52 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 56 53 0 0 0 0 0 0 0 0 0 0 0 0 46 2059 89 84 57 54 0 0 0 0 0 0 0 0 0 0 0 0 47 2060 90 85 58 55 0 0 0 0 0 0 0 0 0 0 0 0 48 2061 91 86 59 56 0 0 0 0 0 0 0 0 0 0 0 0 49 2062 92 87 60 57 0 0 0 0 0 0 0 0 0 0 0 0 50 2063 93 88 61 58 0 0 0 0 0 0 0 0 0 0 0 0 Age :
  • 26.
    Sr. No. YearSamir Patel Ekta Patel Age Child Care Expenses Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Amount to be required. Age Child Care Expenses Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Amount to be required. 0 91025 441668 709528 1416572 0 1356542 4015335 0 212179 587860 1416572 2513944 4584037 1326649 10641241 1 2014 44 39 12 0 27500 0 0 0 0 0 27500 9 0 27500 0 0 0 0 0 27500 2 2015 45 40 13 0 30250 0 0 0 0 0 30250 10 0 30250 0 0 0 0 0 30250 3 2016 46 41 14 0 33275 0 0 0 0 0 33275 11 0 33275 0 0 0 0 0 33275 4 2017 47 42 15 0 0 95167 0 0 0 0 95167 12 0 36603 0 0 0 0 0 36603 5 2018 48 43 16 0 0 104683 0 0 0 0 104683 13 0 40263 0 0 0 0 0 40263 6 2019 49 44 17 0 0 115151 0 0 0 0 115151 14 0 44289 0 0 0 0 0 44289 7 2020 50 45 18 0 0 126667 0 0 0 0 126667 15 0 0 126667 0 0 0 0 126667 8 2021 51 46 19 0 0 0 214359 0 0 0 214359 16 0 0 139333 0 0 0 0 139333 9 2022 52 47 20 0 0 0 235795 0 0 0 235795 17 0 0 153267 0 0 0 0 153267 10 2023 53 48 21 0 0 0 259374 0 0 0 259374 18 0 0 168593 0 0 0 0 168593 11 2024 54 49 22 0 0 0 0 427968 0 0 427968 19 0 0 0 427968 0 0 0 427968 12 2025 55 50 23 0 0 0 0 470764 0 0 470764 20 0 0 0 470764 0 0 0 470764 13 2026 56 51 24 0 0 0 0 517841 0 0 517841 21 0 0 0 517841 0 0 0 517841 14 2027 57 52 25 0 0 0 0 0 0 1356542 1356542 22 0 0 0 0 759500 0 0 759500 15 2028 58 53 26 0 0 0 0 0 0 0 0 23 0 0 0 0 835450 0 0 835450 16 2029 59 54 27 0 0 0 0 0 0 0 0 24 0 0 0 0 918995 0 0 918995 17 2030 60 55 28 0 0 0 0 0 0 0 0 25 0 0 0 0 0 4584037 0 4584037 18 2031 61 56 29 0 0 0 0 0 0 0 0 26 0 0 0 0 0 0 0 0 19 2032 62 57 30 0 0 0 0 0 0 0 0 27 0 0 0 0 0 0 0 0 20 2033 63 58 31 0 0 0 0 0 0 0 0 28 0 0 0 0 0 0 1326649 1326649 21 2034 64 59 32 0 0 0 0 0 0 0 0 29 0 0 0 0 0 0 0 0 22 2035 65 60 33 0 0 0 0 0 0 0 0 30 0 0 0 0 0 0 0 0 23 2036 66 61 34 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 0 24 2037 67 62 35 0 0 0 0 0 0 0 0 32 0 0 0 0 0 0 0 0 25 2038 68 63 36 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 0 26 2039 69 64 37 0 0 0 0 0 0 0 0 34 0 0 0 0 0 0 0 0 27 2040 70 65 38 0 0 0 0 0 0 0 0 35 0 0 0 0 0 0 0 0 28 2041 71 66 39 0 0 0 0 0 0 0 0 36 0 0 0 0 0 0 0 0 29 2042 72 67 40 0 0 0 0 0 0 0 0 37 0 0 0 0 0 0 0 0 30 2043 73 68 41 0 0 0 0 0 0 0 0 38 0 0 0 0 0 0 0 0 31 2044 74 69 42 0 0 0 0 0 0 0 0 39 0 0 0 0 0 0 0 0 32 2045 75 70 43 0 0 0 0 0 0 0 0 40 0 0 0 0 0 0 0 0 33 2046 76 71 44 0 0 0 0 0 0 0 0 41 0 0 0 0 0 0 0 0 34 2047 77 72 45 0 0 0 0 0 0 0 0 42 0 0 0 0 0 0 0 0 35 2048 78 73 46 0 0 0 0 0 0 0 0 43 0 0 0 0 0 0 0 0 36 2049 79 74 47 0 0 0 0 0 0 0 0 44 0 0 0 0 0 0 0 0 37 2050 80 75 48 0 0 0 0 0 0 0 0 45 0 0 0 0 0 0 0 0 38 2051 81 76 49 0 0 0 0 0 0 0 0 46 0 0 0 0 0 0 0 0 39 2052 82 77 50 0 0 0 0 0 0 0 0 47 0 0 0 0 0 0 0 0 40 2053 83 78 51 0 0 0 0 0 0 0 0 48 0 0 0 0 0 0 0 0 41 2054 84 79 52 0 0 0 0 0 0 0 0 49 0 0 0 0 0 0 0 0 42 2055 85 80 53 0 0 0 0 0 0 0 0 50 0 0 0 0 0 0 0 0 43 2056 86 81 54 0 0 0 0 0 0 0 0 51 0 0 0 0 0 0 0 0 44 2057 87 82 55 0 0 0 0 0 0 0 0 52 0 0 0 0 0 0 0 0 45 2058 88 83 56 0 0 0 0 0 0 0 0 53 0 0 0 0 0 0 0 0 46 2059 89 84 57 0 0 0 0 0 0 0 0 54 0 0 0 0 0 0 0 0 47 2060 90 85 58 0 0 0 0 0 0 0 0 55 0 0 0 0 0 0 0 0 48 2061 91 86 59 0 0 0 0 0 0 0 0 56 0 0 0 0 0 0 0 0 49 2062 92 87 60 0 0 0 0 0 0 0 0 57 0 0 0 0 0 0 0 0 50 2063 93 88 61 0 0 0 0 0 0 0 0 58 0 0 0 0 0 0 0 0 Age : Child Future Planning - Future Need for Nikunj Patel Total Requirement : >>>> Child Future Planning - Future Need for Ankita Patel
  • 27.
    Sr. No. YearSamir Patel Ekta Patel Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Dream- Buying A Farm House Dream-Create Wealth 0-0 0-0 0-0 Dream- Domestic Tour Dream-Long Tour Total Amount to be required. Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Amount to be required. 5352902 1628133 99950 151090 15127998 5000000 0 0 0 274834 1468591 29103498 70663066 505447 22920183 134639 269277 94492612 1 2014 44 39 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2015 45 40 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2016 46 41 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2017 47 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 2018 48 43 5352902 0 0 0 0 0 0 0 0 0 0 5352902 0 0 0 0 0 0 6 2019 49 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 2020 50 45 0 1628133 0 0 0 0 0 0 0 37591 0 1665724 0 0 0 0 0 0 8 2021 51 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9 2022 52 47 0 0 99950 0 0 0 0 0 0 0 0 99950 0 0 0 0 0 0 10 2023 53 48 0 0 0 0 0 0 0 0 0 44771 0 44771 0 0 0 0 0 0 11 2024 54 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12 2025 55 50 0 0 0 151090 0 0 0 0 0 0 0 151090 0 0 0 0 0 0 13 2026 56 51 0 0 0 0 0 0 0 0 0 53323 0 53323 0 0 0 0 0 0 14 2027 57 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 2028 58 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 2029 59 54 0 0 0 0 0 0 0 0 0 63509 0 63509 0 0 0 0 0 0 17 2030 60 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 2031 61 56 0 0 0 0 0 0 0 0 0 0 0 0 1349747 505447 22920183 134639 269277 25179293 19 2032 62 57 0 0 0 0 15127998 0 0 0 0 75640 151280 15354917 1485272 0 0 0 0 1485272 20 2033 63 58 0 0 0 0 0 0 0 0 0 0 0 0 1631542 0 0 0 0 1631542 21 2034 64 59 0 0 0 0 0 0 0 0 0 0 0 0 1789430 0 0 0 0 1789430 22 2035 65 60 0 0 0 0 0 0 0 0 0 0 180177 180177 1959888 0 0 0 0 1959888 23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 0 2143941 0 0 0 0 2143941 24 2037 67 62 0 0 0 0 0 5000000 0 0 0 0 0 5000000 2342706 0 0 0 0 2342706 25 2038 68 63 0 0 0 0 0 0 0 0 0 0 214594 214594 2557391 0 0 0 0 2557391 26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0 2789306 0 0 0 0 2789306 27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 0 3039872 0 0 0 0 3039872 28 2041 71 66 0 0 0 0 0 0 0 0 0 0 255584 255584 3310629 0 0 0 0 3310629 29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 0 3603250 0 0 0 0 3603250 30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 0 3919547 0 0 0 0 3919547 31 2044 74 69 0 0 0 0 0 0 0 0 0 0 304405 304405 4261488 0 0 0 0 4261488 32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 0 4631207 0 0 0 0 4631207 33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 0 5031022 0 0 0 0 5031022 34 2047 77 72 0 0 0 0 0 0 0 0 0 0 362551 362551 5463447 0 0 0 0 5463447 35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 0 5931213 0 0 0 0 5931213 36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 0 6437285 0 0 0 0 6437285 37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 0 6984881 0 0 0 0 6984881 38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2059 89 84 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2060 90 85 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2061 91 86 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2062 92 87 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2063 93 88 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Age : Total Requirement : >>>> Future Financial Need & Dream Retirement Need
  • 28.
    Marriage Expenses For start in life Marriage Expenses Buyinga New House New Motor Car New Motor Bike Regular Regular Lumpsum Lumpsum Regular Regular Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum 0 0 0 1356542 0 0 4584037 1326649 5352902 1628133 0 151090 0 0 0 0 0 0% 0% 0% 20% 0% 0% 75% 70% 75% 30% 0% 50% 0% 0% 0% 0% 0% 0 0 0 271308 0 0 3438027 928654 4014677 488440 0 75545 0 0 0 0 0 0 0 0 2027 0 0 2030 2033 2018 2020 0 2025 0 0 0 0 0 0 0 0 Yes 0 0 Yes Yes Yes Yes 0 Yes 0 0 0 0 0 0 0 0 6 - Gold / Silver / Ornaments 0 0 5 - Shop / Office Premises 4 - Jewellery / Gold Ornaments 1 - Residential Building / Flat 2 - Four Wheelers 0 3 - Two Wheelers 0 0 0 0 0 0 0 0 515707 0 0 2292018 1547874 3190704 76528 0 3389 0 0 0 0 0 0 0 0 271308 0 0 2292018 928654 3190704 76528 0 3389 0 0 0 0 0 0 0 0 0 0 0 1146009 0 823973 411912 0 72156 0 0 0 0 0 0% 0% 0% No 0% 0% Yes No Yes Yes 0% Yes 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 100% 0% 100% 100% 0% 100% 0% 0% 0% 0% 0% 0 0 0 0 0 0 1146009 0 823973 411912 0 72156 0 0 0 0 0 0% 0% 0% No 0% 0% No No Yes Yes 0% No 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 9% 12% 0% 12% 0% 0% 0% 0% 0% 0 0 0 0 0 0 0 0 10 5 0 5 0 0 0 0 0 0 0 0 0 0 0 0 0 10438 9163 0 1605 0 0 0 0 0 0 0 0 0 0 0 0 0 125253 109953 0 19261 0 0 0 0 0 0 0 0 1085234 0 0 1146009 397995 1338226 1139693 0 75545 0 0 0 0 0 0 0 0 244398 0 0 0 619220 0 0 0 0 0 0 0 0 0 Particulars Planning For-Nikunj Patel Future Need & DreamPlanning For-Ankita Patel Projected Loan Payment Period (in Years) Monthly Installments How much % of funding you wants through loan? Goal Funding Amount from Future Loan Future Loan to be paid from your Income? If Yes, Please fill up following details How much amount, you wants to utilise through Assets? Outstanding Goal Amount After funding from Assets Wants to take loan in future for goal funding? Amount to be required in year / from year? Wants to utilise current assets for goal funding? Name of Assets, if you wants to use against Goal Funding Estimated Interest Rate (%) on Future Loan (if any) Yearly Loan Payment After funding from loan (if any ) - Remaining Goal Amount to be mapped with Financial Investment Account Balance of Assets amount (if any) after goal funding to be transfer to cash flow account Requirement / Need type Total Amount to be required for Financial Goal? How much % of funding you expect through Assets Sale OR Future Loan? Goal Funding amount expected through Assets Sale OR Future Loan. Assets value to be available to utilise for Goal funding in that year
  • 29.
    Sr. No. YearSamir Patel Ekta Patel 0 2013 43 38 110667 0 110667 0 0 78057 78057 188723 0 188723 1 2014 44 39 27500 27500 0 0 55000 79600 0 79600 37500 0 427244 464744 544344 0 0 55000 544344 2 2015 45 40 30250 30250 0 0 60500 68350 0 68350 690500 0 500000 1190500 1258850 0 0 60500 1258850 3 2016 46 41 33275 33275 0 0 66550 12367 0 12367 0 0 776380 776380 788747 0 0 66550 788747 4 2017 47 42 95167 36603 0 0 131769 0 0 0 75000 0 86446 161446 161446 0 0 131769 161446 5 2018 48 43 104683 40263 5352902 4014677 1483171 0 0 0 0 0 0 0 0 0 0 1483171 0 6 2019 49 44 115151 44289 0 0 159440 0 0 0 175800 0 0 175800 175800 0 0 159440 175800 7 2020 50 45 126667 126667 1665724 488440 1430617 0 0 0 0 132903 0 132903 132903 0 0 1430617 132903 8 2021 51 46 214359 139333 0 0 353692 0 0 0 0 0 0 0 0 0 0 353692 0 9 2022 52 47 235795 153267 99950 0 489012 0 0 0 0 0 0 0 0 0 0 489012 0 10 2023 53 48 259374 168593 44771 0 472739 0 0 0 0 0 0 0 0 0 0 472739 0 11 2024 54 49 427968 427968 0 0 855935 0 0 0 0 0 0 0 0 0 0 855935 0 12 2025 55 50 470764 470764 151090 75545 1017074 0 0 0 0 0 0 0 0 0 0 1017074 0 13 2026 56 51 517841 517841 53323 0 1089005 0 0 0 0 0 0 0 0 0 0 1089005 0 14 2027 57 52 1356542 759500 0 271308 1844734 0 0 0 937500 1207923 0 2145423 2145423 0 0 1844734 2145423 15 2028 58 53 0 835450 0 0 835450 0 0 0 0 0 0 0 0 0 0 835450 0 16 2029 59 54 0 918995 63509 0 982503 0 0 0 1034400 0 0 1034400 1034400 0 0 982503 1034400 17 2030 60 55 0 4584037 0 3438027 1146009 0 0 0 0 0 0 0 0 0 0 1146009 0 18 2031 61 56 0 0 0 0 0 0 0 0 0 0 0 0 0 25179293 15176675 25179293 15176675 19 2032 62 57 0 0 15354917 0 15354917 0 0 0 0 0 0 0 0 1485272 0 16840190 0 20 2033 63 58 0 1326649 0 928654 397995 0 0 0 0 0 0 0 0 1631542 0 2029536 0 21 2034 64 59 0 0 0 0 0 0 0 0 0 0 0 0 0 1789430 0 1789430 0 22 2035 65 60 0 0 180177 0 180177 0 0 0 0 0 0 0 0 1959888 0 2140064 0 23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 0 0 2143941 0 2143941 0 24 2037 67 62 0 0 5000000 0 5000000 0 0 0 0 0 0 0 0 2342706 0 7342706 0 25 2038 68 63 0 0 214594 0 214594 0 0 0 0 0 0 0 0 2557391 0 2771985 0 26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0 0 2789306 0 2789306 0 27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 0 0 3039872 0 3039872 0 28 2041 71 66 0 0 255584 0 255584 0 0 0 0 0 0 0 0 3310629 0 3566214 0 29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3603250 0 3603250 0 30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3919547 0 3919547 0 31 2044 74 69 0 0 304405 0 304405 0 0 0 0 0 0 0 0 4261488 0 4565893 0 32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 0 0 4631207 0 4631207 0 33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 0 0 5031022 0 5031022 0 34 2047 77 72 0 0 362551 0 362551 0 0 0 0 0 0 0 0 5463447 0 5825998 0 35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5931213 0 5931213 0 36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 0 0 6437285 0 6437285 0 37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6984881 0 6984881 0 38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Amount Of Future Need / Dreams / Retirement Need Etc. Regular Income from Debt Investment (Other than MF) Mutual Fund Regular Withdrawal (SWP) Income from Investment Total inflow through Interest / Sys. Withdrawal from Investment Account Inflow through Maturity Proceeds. Investments Account Total Income / Maturity Proceeds Amount from Traditional Plan Aggregate Amt. of Need & Fund Required Net Total Amount of Goal Funding (Other than Retirement Need) Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Investments. ( For Other than Retirement Need ) Retirement Need Total Inflow throgh Maturity Proceeds & Investment Income, Retirement Fund Etc. Summary Data - For Child Future Need / Other Future Need & Dreams / Retirement Needs & Funds available through Maturity proceeds of Investment / Interest Income & Retirement Benefit / PPF A/c. Etc. Total Amount of Goal Funding to be from Sale of Assets & Future Loan - Rs. Child Future Planning - Future Need for Ankita Patel Child Future Planning - Future Need for Nikunj Patel Future Financial Need & Dream Total Amount - Post Retirement Expenses & Funding Need - Rs. Retirement Benefit / Investment Maturity proceeds of Retirement Account Total inflow through Maturity proceeds of Investment Account Total Inflow - Investment Income & Maturity Proceeds of Investment Account Net Amount to be required from Financial Investment Portfolio - Rs. Total Income / Maturity Proceeds Amount from Unit Linked Plan Total Amount of Maturity Proceeds from Postal Schemes / Bonds - NCD / FDR
  • 30.
    Year Sr. No. upto Retireme nt Year Age Opening Balance (Investments in Direct Equity & MF) ( 1 ) C/F - Cash - Net Balance - From Earning Cash Flow ( 2 ) Inflow of Maturity Amount (See Annexure ) ( 3 ) Net Flow During the Year (4) (2+3) Available Balance for Funding ( 5 ) (1+4) Fund Require for - Future Financial Need / Goals ( 6 ) Balance After Fundings ( 7 ) ( 5-6 ) Opening Balance of SIP A/c. at Each Year ( 8 ) Possible Goal fundings from SIP Corpus ( 9 ) ( 8-7) SIP Balance After Fundings ( 10 ) ( 8-9) Outstanding / Shortfall of Goal Amount ( 11 ) ( 7-9) Weighted Average Rate of Return ( Stock + MF Portfolio) ( 11 ) Return on Balance Amount (13) ( 7 x 12) Closing Balance ( On Cash Basis) (14) (7+13) Possible Goal Achievement (Financial Investment) Amt. Rs. Possible Goal Achievement %wise Shortfall in Goal Amt. Rs. Shortfall in Goal %wise Primary Cash Flow Shortfall 0 2013 43 1691868 0 188723 188723 1880591 110000 1770591 0 0 94883 0 0.00% 0 1770591 56708977 44% 72327058 56% 0 1 2014 44 1770591 101929 544344 646274 2416865 55000 2361865 94883 0 227326 0 9.20% 217289 2579154 55000 100% 0 0% 0 2 2015 45 2579154 17441 1258850 1276291 3855445 60500 3794945 227326 0 394081 0 9.20% 349131 4144076 60500 100% 0 0% 0 3 2016 46 4144076 124771 788747 913518 5057594 66550 4991044 394081 0 600663 0 9.20% 459171 5450215 66550 100% 0 0% 0 4 2017 47 5450215 131022 161446 292468 5742683 131769 5610914 600663 0 853476 0 9.44% 529632 6140546 131769 100% 0 0% 0 5 2018 48 6140546 201439 0 201439 6341986 1483171 4858814 853476 0 1159950 0 9.44% 458639 5317453 1483171 100% 0 0% 0 6 2019 49 5317453 25979 175800 201779 5519232 159440 5359792 1159950 0 1528713 0 9.44% 505928 5865720 159440 100% 0 0% 0 7 2020 50 5865720 51364 132903 184267 6049987 1430617 4619370 1528713 0 1969778 0 9.44% 436037 5055407 1430617 100% 0 0% 0 8 2021 51 5055407 -78701 0 -78701 4976706 353692 4623014 1969778 0 2494766 0 12.00% 554762 5177775 353692 100% 0 0% 0 9 2022 52 5177775 -101630 0 -101630 5076145 489012 4587134 2494766 0 3117170 0 12.00% 550456 5137590 489012 100% 0 0% 0 10 2023 53 5137590 -127322 0 -127322 5010268 472739 4537529 3117170 0 3852649 0 12.00% 544503 5082032 472739 100% 0 0% 0 11 2024 54 5082032 -57636 0 -57636 5024396 855935 4168461 3852649 0 4712871 0 12.00% 500215 4668677 855935 100% 0 0% 0 12 2025 55 4668677 -82053 0 -82053 4586624 1017074 3569550 4712871 0 5717887 0 12.00% 428346 3997896 1017074 100% 0 0% 0 13 2026 56 3997896 -331 0 -331 3997565 1089005 2908561 5717887 0 6890975 0 12.00% 349027 3257588 1089005 100% 0 0% 0 14 2027 57 3257588 212505 2145423 2357928 5615516 1844734 3770783 6890975 0 8259153 0 12.00% 452494 4223277 1844734 100% 0 0% 0 15 2028 58 4223277 -42823 0 -42823 4180454 835450 3345005 8259153 0 9847271 0 12.00% 401401 3746405 835450 100% 0 0% 0 16 2029 59 3746405 47277 1034400 1081677 4828082 982503 3845579 9847271 0 11690687 0 12.00% 461469 4307048 982503 100% 0 0% 0 17 2030 60 4307048 30060 0 30060 4337108 1146009 3191099 11690687 0 13830440 0 12.00% 382932 3574031 1146009 100% 0 0% 0 18 2031 61 3574031 -13382 15176675 15163293 18737324 25179293 -6441969 20790007 6441969 14348037 0 8.00% 1147843 15495880 25179293 100% 0 0% 0 0 2032 62 15495880 537215 0 537215 16033095 16840190 -807095 0 0 0 807095 8.00% 0 0 16033095 95% 807095 5% 0 0 2033 63 0 1180718 0 1180718 1180718 2029536 -848819 0 0 0 848819 8.00% 0 0 1180718 58% 848819 42% 0 0 2034 64 0 587001 0 587001 587001 1789430 -1202430 0 0 0 1202430 8.00% 0 0 587001 33% 1202430 67% 0 0 2035 65 0 613781 0 613781 613781 2140064 -1526283 0 0 0 1526283 8.00% 0 0 613781 29% 1526283 71% 0 0 2036 66 0 641889 0 641889 641889 2143941 -1502052 0 0 0 1502052 8.00% 0 0 641889 30% 1502052 70% 0 0 2037 67 0 0 0 0 0 7342706 -7342706 0 0 0 7342706 8.00% 0 0 0 0% 7342706 100% 0 0 2038 68 0 0 0 0 0 2771985 -2771985 0 0 0 2771985 8.00% 0 0 0 0% 2771985 100% 0 0 2039 69 0 0 0 0 0 2789306 -2789306 0 0 0 2789306 8.00% 0 0 0 0% 2789306 100% 0 0 2040 70 0 0 0 0 0 3039872 -3039872 0 0 0 3039872 8.00% 0 0 0 0% 3039872 100% 0 0 2041 71 0 0 0 0 0 3566214 -3566214 0 0 0 3566214 8.00% 0 0 0 0% 3566214 100% 0 0 2042 72 0 0 0 0 0 3603250 -3603250 0 0 0 3603250 8.00% 0 0 0 0% 3603250 100% 0 0 2043 73 0 0 0 0 0 3919547 -3919547 0 0 0 3919547 8.00% 0 0 0 0% 3919547 100% 0 0 2044 74 0 0 0 0 0 4565893 -4565893 0 0 0 4565893 8.00% 0 0 0 0% 4565893 100% 0 0 2045 75 0 0 0 0 0 4631207 -4631207 0 0 0 4631207 8.00% 0 0 0 0% 4631207 100% 0 0 2046 76 0 0 0 0 0 5031022 -5031022 0 0 0 5031022 8.00% 0 0 0 0% 5031022 100% 0 0 2047 77 0 0 0 0 0 5825998 -5825998 0 0 0 5825998 8.00% 0 0 0 0% 5825998 100% 0 0 2048 78 0 0 0 0 0 5931213 -5931213 0 0 0 5931213 8.00% 0 0 0 0% 5931213 100% 0 0 2049 79 0 0 0 0 0 6437285 -6437285 0 0 0 6437285 8.00% 0 0 0 0% 6437285 100% 0 0 2050 80 0 0 0 0 0 6984881 -6984881 0 0 0 6984881 8.00% 0 0 0 0% 6984881 100% 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 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 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 SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing Balance Year Wise Goal Gap / Shortfall Analysis Financial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal Mapping Lumpsum - Financial Investment + Retirement Portfolio
  • 31.
    Required Goal Amount Rs. Required Lumpsum Investment Required AmountRs. Required Lumpsum Investment Required Goal Amount Rs. Required Lumpsum Investment Required Monthly Investment Required Amount Rs. Required Lumpsum Investment Required Monthly Investment Required Goal Amount Rs. Required Lumpsum Investment Required Regular Investment Required Amount Rs. Required Lumpsum Investment Required Regular Investment Monthly Monthly 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25000 1 / 3 91025 77812 0 0 0 0 0 0 0 0 0 0 0 0 0 0 65000 4 / 4 0 0 0 0 441668 273407 5844 0 0 0 0 0 0 0 0 0 100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0 150000 11 / 3 0 0 0 0 0 0 0 0 0 0 1416572 362540 3748 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 600000 14 / 1 0 0 0 0 0 0 0 0 0 0 1356542 277575 2372 0 0 0 91025 77812 0 0 441668 273407 5844 0 0 0 3482643 895233 9517 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25000 1 / 6 91025 77812 0 0 121154 78506 1678 0 0 0 0 0 0 0 0 0 65000 7 / 4 0 0 0 0 126667 69291 850 0 0 0 461193 165826 2208 0 0 0 150000 11 / 3 0 0 0 0 0 0 0 0 0 0 1416572 362540 3748 0 0 0 200000 14 / 3 0 0 0 0 0 0 0 0 0 0 2513944 457950 3913 0 0 0 2000000 17 / 1 0 0 0 0 0 0 0 0 0 0 4584037 667639 4876 0 0 0 500000 17 / 1 0 0 0 0 0 0 0 0 0 0 1326649 147905 1030 0 0 0 91025 77812 0 0 247821 147797 2528 0 0 0 10302395 1801861 15776 0 0 0 4000000 5 / 1 0 0 0 0 5352902 3479019 59688 0 0 0 0 0 0 0 0 0 950000 7 / 1 0 0 0 0 1628133 890645 10929 0 0 0 0 0 0 0 0 0 50000 9 / 1 0 0 0 0 0 0 0 0 0 0 99950 36043 437 0 0 0 60000 12 / 1 0 0 0 0 0 0 0 0 0 0 151090 38781 374 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 6981035 4369664 70617 0 0 0 251040 74824 811 0 0 0 6984881 17 / 1 0 0 0 0 0 0 0 0 0 0 70663066 3931403 39497 65202652 3313709 33291 100000 17 / 1 0 0 0 0 0 0 0 0 0 0 505447 65728 660 0 0 0 10000000 17 / 1 0 0 0 0 0 0 0 0 0 0 22920183 2980531 29944 0 0 0 50000 17 / 1 0 0 0 0 0 0 0 0 0 0 134639 17508 176 0 0 0 100000 17 / 1 0 0 0 0 0 0 0 0 0 0 269277 35017 352 0 0 0 0 0 0 0 0 0 0 0 0 0 94492612 7030187 70629 65202652 3313709 33291 5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 15127998 1821517 12685 580175 69857 486 5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 5000000 409735 2853 5000000 409735 2853 250007 / Every 3 Year 0 0 0 0 37591 20563 252 0 0 0 237243 46103 514 75640 9108 63 50000 17 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 1468591 95431 665 1468591 95431 665 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37591 20563 252 0 0 0 21833832 2372786 16717 7124406 584131 4068 182050 155624 0 0 7708115 4811432 79241 0 0 0 130362522 12174890 113449 72327058 3897840 37359 Financial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall Graduation & Higher Education Post Graduation & Master Degree 0 For Short Term Need - Next 3 Years -Investment required @ 8% For Full Goal Amount For Shortfall Present Cost of Goal OR Target Goal Amount Selected Financial Goal For Donation Buying A Farm House Create Wealth Domestic Tour Long Tour For start in life Marriage Expenses Buying a New House New Motor Car New Activa Scooter for Ankita New Motor Bike Retirement Corpus & Provision Future Dreams Planning For- Ankita Patel For Tour - Yatra Future Need 0 Marriage Expenses Pre-Primary & Primary Education Graduation & Higher Education Post Graduation & Master Degree 0 Secondary & Higher Sec. Education Planning For- Nikunj Patel 0 0 Today onwards - available years for Regular Investment & Funds requirement for No. of Years 0 For Medical Exp. Lumpsum Need Funds to be required to provide regular expenses from Retirement year onwards. Pre-Primary & Primary Education Secondary & Higher Sec. Education For Medium Term Need -4 to 7 Years - Investment required @9% For Long Term Need -8 to 18 Years - Investment required @12% & 19 years onwards - Post Retirement @8% For ShortfallFor Full Goal Amount For Shortfall For Full Goal Amount
  • 32.
    0% 0% 100% 0% 100%0% 100% 0% 100% 0% 0% 0% 100% 0% 100% 0% 0% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 0% 0% 100% 0% 8% 92% 100% 0% 100% 0% 100% 0% 100% 0% 31% 69% 96% 4% 0% 100% 72% 28% 0% 100% 0% 0% 67% 33% 48% 52% Possible Goal Achievement %wise Shortfall in Goal %wise Financial Goal Gap Analysis Future Dreams FutureFinancial Goal Retirement Planning ChildFuturePlanning Financial Goal Particulars Planning For- Ankita Patel Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Fund for - Marriage Expenses Planning For- Nikunj Patel Fund for -- Secondary & Higher Sec. Education Fund for -- Graduation & Higher Education Aggregate : Retirement Corpus & Provision Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Dream - Fund for - Buying A Farm House Dream - Fund for - Create Wealth Dream - Fund for - Domestic Tour Dream - Fund for - Long Tour FutureFinancialGoal Future Need Need - Fund for - Buying a New House Need - Fund for - New Motor Car Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike Fund for -- Post Graduation & Master Degree Fund for -- For start in life Fund for -- Marriage Expenses Fund for -- Pre-Primary & Primary Education 0 500000 1000000 1500000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 1000000 2000000 3000000 4000000 5000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 2000000 4000000 6000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 10000000 20000000 30000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0 10000000 20000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 50% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0% 50% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds
  • 33.
    55000 60500 66550 131769 1483171 159440 1430617 353692 489012 472739 855935 1017074 1089005 1844734 835450 982503 1146009 25179293 16840190 2029536 1789430 2140064 2143941 7342706 2771985 2789306 3039872 3566214 3603250 3919547 4565893 4631207 5031022 5825998 5931213 6437285 6984881 0 5000000 10000000 15000000 20000000 25000000 30000000 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 Yearwise Amountwise GoalGap Analysis Shortfall in Funds Funds to be available Funds to be required 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 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 Yearwise %wise Goal Gap Analysis
  • 34.
    Navsari Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation &Higher Education Post Graduation & Master Degree Marriage Expenses Total Amount Rs. Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Amount 0 91025 441668 709528 1416572 0 1356542 4015335 0 High High High High 0 High Goal Funding through Sale of Assets 0 0 0 0 0 0 271308 271308 0 25000 65000 100000 150000 0 600000 940000 Goal Funding through Future Loan 0 0 0 0 0 0 0 0 Goal Funding through Financial Investments 0 91025 441668 709528 1416572 0 1085234 3744027 Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 0% 6% Goal Shortfall 0 0 0 0 0 0 0 0 OR @Amountwise year on year 0 0 0 0 0 0 0 0% 100% 100% 100% 100% 0% 100% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0 1 4 8 11 0 14 0 2014 2017 2021 2024 0 2027 0 3 4 3 3 0 1 0 2016 2020 2023 2026 0 2027 0 1 4 8 11 0 14 0 2014 2017 2021 2024 0 2027 0 12 15 19 22 0 25 0 2014 0 0 0 0 0 0 0 0 0 0 0 0 0 91025 0 0 0 0 0 91025 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 77812 0 0 0 0 0 77812 Lumpsum 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 77812 6225 84037 0 0 0 2 2014 44 8% 84037 0 27500 0 0 0 0 0 27500 4523 61060 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 61060 0 30250 0 0 0 0 0 30250 2465 33275 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 33275 0 33275 0 0 0 0 0 33275 0 0 0 0 0 0 0 0 0 0 0 0 0 Your Selection - Planning For- Ankita Patel Required Amount This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. Required in Year / From Year Financial Goal Priority To be required in Year / Or / Goal start beginning from Year Current Cost / Expenses -You wants to provide : Inflation Effect Years left to Financial Goal Arrival Requirement up to Year Regular Investment to be required for No. of Years from today onwards Requirement for Period / Total No. of Years Regular Investment to be required up to year from today onwards Financial Goal / Requirement - will start - Child age at each goal stage ForShortTerm-GrossNeed Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Investment to be required @% 8% Pre Retirement Period Short Term Requirement (if any) Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : Goal Status Summary :: After analysing - Earnings & Investment Cash Flow Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForShortTerm-ShortfallAmt. Planning For-Ankita Patel Particulars :: Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Goal Funding through Future Loan Goal Funding through Financial Investments Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Goal (%wise ) with your Actual Cash Flow : 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
  • 35.
    Navsari 0 0 20170 0 0 0 0 0 0 0 0 0 0 0 0 441668 0 0 0 0 441668 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 0 273407 0 0 0 0 273407 Lumpsum 0 0 0 0 0 0 0 0 Monthly 0 0 5844 0 0 0 0 5844 Monthly 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 273407 24607 298014 0 0 0 0 2 2014 44 9% 298014 0 0 0 0 0 0 0 0 26821 324835 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 324835 0 0 0 0 0 0 0 0 29235 354070 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 354070 0 0 0 0 0 0 0 0 31866 385937 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 385937 0 0 95167 0 0 0 0 95167 26169 316939 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 316939 0 0 104683 0 0 0 0 104683 19103 231359 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 231359 0 0 115151 0 0 0 0 115151 10459 126667 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 126667 0 0 126667 0 0 0 0 126667 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2021 2024 0 2027 0 0 0 0 0 0 0 0 0 0 709528 1416572 0 1356542 3482643 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 0 0 0 0 0 0 0 0 0 0 0 0 2021 2024 0 2027 0 0 0 0 0 0 0 0 0 0 709528 1416572 0 1356542 3482643 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 0 0 0 255117 362540 0 277575 895233 Lumpsum 0 0 0 0 0 0 0 0 Monthly 0 0 0 3397 3748 0 2372 9517 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 10156 11249 0 7149 28554 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 20208 22509 0 14392 57109 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 40014 45037 0 29123 114174 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 0 3911 4592 0 3108 11611 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 11681 13750 0 9330 34761 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 23212 27418 0 18675 69305 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 45853 54515 0 37391 137760 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 0 4483 5584 0 4025 14092 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 13389 16698 0 12053 42141 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 26606 33242 0 24042 83890 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 52546 65886 0 47831 166264 Yearly 0 0 0 0 0 0 0 0 Pre Retirement Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Post Retirement Consolidate d Requirement 9% SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> ForLongTerm-ShortfallAmt. Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Required in Year / From Year Long Term Requirement Pre Retirement Required Amount Required in Year / From Year Required Amount Consolidat ed Requireme Post Retirement Required in Year / From Year Required Amount 15% Required Amount 15% How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Lumpsum Investment to be required @% ForMediumTerm-GrossNeedForLongTerm-GrossNeed Required in Year / From Year Medium Term Requirement (if any) Investment to be required @% 12% Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Amount required to be invest after calculating & analysing future earning & Investment cash flow. ForMediumTerm-ShortfallAmt. Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Pre Retirement Period 9%
  • 36.
    Navsari 0 0 0255117 362540 0 277575 895233 0 0 0 0 0 0 0 0 0 0 0 3397 3748 0 2372 9517 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance N.A. Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree N.A. Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 895233 107428 1002660 0 0 0 2 2014 44 12% 1002660 0 0 0 0 0 0 0 0 120319 1122980 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 12% 1122980 0 0 0 0 0 0 0 0 134758 1257737 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 12% 1257737 0 0 0 0 0 0 0 0 150928 1408666 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 12% 1408666 0 0 0 0 0 0 0 0 169040 1577706 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 12% 1577706 0 0 0 0 0 0 0 0 189325 1767030 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 12% 1767030 0 0 0 0 0 0 0 0 212044 1979074 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 12% 1979074 0 0 0 0 0 0 0 0 237489 2216563 0 0 0 0 0 0 0 0 0 0 0 9 2021 51 12% 2216563 0 0 0 214359 0 0 0 214359 240264 2242468 0 0 0 0 0 0 0 0 0 0 0 10 2022 52 12% 2242468 0 0 0 235795 0 0 0 235795 240801 2247474 0 0 0 0 0 0 0 0 0 0 0 11 2023 53 12% 2247474 0 0 0 259374 0 0 0 259374 238572 2226672 0 0 0 0 0 0 0 0 0 0 0 12 2024 54 12% 2226672 0 0 0 0 427968 0 0 427968 215845 2014549 0 0 0 0 0 0 0 0 0 0 0 13 2025 55 12% 2014549 0 0 0 0 470764 0 0 470764 185254 1729039 0 0 0 0 0 0 0 0 0 0 0 14 2026 56 12% 1729039 0 0 0 0 517841 0 0 517841 145344 1356542 0 0 0 0 0 0 0 0 0 0 0 15 2027 57 12% 1356542 0 0 0 0 0 0 1356542 1356542 0 0 0 0 0 0 0 0 0 0 0 0 0 16 2028 58 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 17 2029 59 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 2030 60 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19 2031 61 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 2032 62 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 21 2033 63 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 22 2034 64 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 2035 65 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24 2036 66 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25 2037 67 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26 2038 68 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 27 2039 69 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28 2040 70 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29 2041 71 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 2042 72 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 31 2043 73 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 32 2044 74 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 2045 75 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34 2046 76 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35 2047 77 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lump sum Investment to be required for each Goal ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Monthly Investment (up to Goal Start ) to be required for each Goal
  • 37.
    Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation &Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Amount Rs. Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Amount 0 212179 587860 1416572 2513944 4584037 1326649 10641241 0 High High High High High High Goal Funding through Sale of Assets 0 0 0 0 0 2292018 928654 3220673 0 25000 65000 150000 200000 2000000 500000 2940000 Goal Funding through Future Loan 0 0 0 0 0 1146009 0 1146009 Goal Funding through Financial Investments 0 212179 587860 1416572 2513944 1146009 397995 6274559 Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 5% 5% Goal Shortfall 0 0 0 0 0 0 0 0 OR @Amountwise year on year 0 0 0 0 0 0 0 0% 100% 100% 100% 100% 100% 100% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0 1 7 11 14 17 20 0 2014 2020 2024 2027 2030 2033 0 6 4 3 3 1 1 0 2019 2023 2026 2029 2030 2033 0 1 7 11 14 17 17 0 2014 2020 2024 2027 2030 2030 0 9 15 19 22 25 28 0 2014 0 0 0 0 0 0 0 0 0 0 0 0 0 91025 0 0 0 0 0 91025 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 77812 0 0 0 0 0 77812 Lumpsum 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 77812 6225 84037 0 0 0 2 2014 44 8% 84037 0 27500 0 0 0 0 0 27500 4523 61060 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 61060 0 30250 0 0 0 0 0 30250 2465 33275 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 33275 0 33275 0 0 0 0 0 33275 0 0 0 0 0 0 0 0 0 0 0 0 0 Your Selection - Planning For- Nikunj Patel Financial Goal Priority Current Cost / Expenses -You wants to provide : Years left to Financial Goal Arrival This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. To be required in Year / Or / Goal start beginning from Year Requirement for Period / Total No. of Years Requirement up to Year Regular Investment to be required for No. of Years from today onwards Regular Investment to be required up to year from today onwards Investment to be required @% Short Term Requirement (if any) Pre Retirement Period 8% Required in Year / From Year Required Amount Planning For-Nikunj Patel ForShortTerm-GrossNeed Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Inflation Effect Financial Goal / Requirement - will start - Child age at each goal stage How much shortfall in your future goal & amount required to be invest for shortfall in goal? Goal Status Summary :: After analysing - Earnings & Investment Cash Flow Particulars :: Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Goal Funding through Future Loan Goal Funding through Financial Investments Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Goal (%wise ) with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : ForShortTerm-ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
  • 38.
    0 2017 20200 0 0 0 0 0 0 0 0 0 0 0 121154 126667 0 0 0 0 247821 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 78506 69291 0 0 0 0 147797 Lumpsum 0 0 0 0 0 0 0 0 Monthly 0 1678 850 0 0 0 0 2528 Monthly 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 147797 13302 161099 0 0 0 0 2 2014 44 9% 161099 0 0 0 0 0 0 0 0 14499 175598 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 175598 0 0 0 0 0 0 0 0 15804 191402 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 191402 0 0 0 0 0 0 0 0 17226 208628 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 208628 0 36603 0 0 0 0 0 36603 15482 187508 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 187508 0 40263 0 0 0 0 0 40263 13252 160497 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 160497 0 44289 0 0 0 0 0 44289 10459 126667 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 126667 0 0 126667 0 0 0 0 126667 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2021 2024 2027 2030 0 0 0 0 0 0 0 0 0 0 461193 1416572 2513944 4584037 0 8975746 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2033 0 0 0 0 0 0 0 0 0 0 0 0 0 1326649 1326649 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 2021 2024 2027 2030 2033 0 0 0 0 0 0 0 0 0 461193 1416572 2513944 4584037 1326649 10302395 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 0 0 165826 362540 457950 667639 147905 1801861 Lumpsum 0 0 0 0 0 0 0 0 Monthly 0 0 2208 3748 3913 4876 1030 15776 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 6601 11249 11795 14763 3123 47531 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 13135 22509 23745 29912 6342 95643 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 26009 45037 48047 61254 13042 193389 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 2542 4592 5128 6863 1486 20611 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 7592 13750 15394 20657 4477 61870 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 15088 27418 30810 41509 9008 123833 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 29805 54515 61689 83727 18216 247952 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 2914 5584 6641 9500 2105 26743 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 8703 16698 19886 28491 6315 80093 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 17294 33242 39666 56947 12632 159780 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 34155 65886 78913 113744 25265 317964 Yearly 0 0 0 0 0 0 0 0 Pre Retirement Post Retirement Consolidate d Requirement Required in Year / From Year Required Amount Pre Retirement Post Retirement How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? ForMediumTerm-ShortfallAmt. Medium Term Requirement (if any) Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. ForLongTerm-GrossNeed Required Amount Investment to be required @% 15% Pre Retirement Period Required in Year / From Year Required in Year / From Year Required Amount 9% 15% Long Term Requirement Consolidat ed Requireme Lumpsum Investment to be required @% Required in Year / From Year Required Amount Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Amount required to be invest after calculating & analysing future earning & Investment cash flow. ForLongTerm-ShortfallAmt. Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. ForMediumTerm-GrossNeed Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. 12% 9%
  • 39.
    0 0 165826362540 457950 667639 147905 1801861 0 0 0 0 0 0 0 0 0 0 2208 3748 3913 4876 1030 15776 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance N.A. Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 1801861 216223 2018084 0 0 0 2 2014 44 12% 2018084 0 0 0 0 0 0 0 0 242170 2260254 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 12% 2260254 0 0 0 0 0 0 0 0 271230 2531484 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 12% 2531484 0 0 0 0 0 0 0 0 303778 2835262 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 12% 2835262 0 0 0 0 0 0 0 0 340231 3175494 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 12% 3175494 0 0 0 0 0 0 0 0 381059 3556553 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 12% 3556553 0 0 0 0 0 0 0 0 426786 3983340 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 12% 3983340 0 0 0 0 0 0 0 0 478001 4461340 0 0 0 0 0 0 0 0 0 0 0 9 2021 51 12% 4461340 0 0 139333 0 0 0 0 139333 518641 4840648 0 0 0 0 0 0 0 0 0 0 0 10 2022 52 12% 4840648 0 0 153267 0 0 0 0 153267 562486 5249867 0 0 0 0 0 0 0 0 0 0 0 11 2023 53 12% 5249867 0 0 168593 0 0 0 0 168593 609753 5691027 0 0 0 0 0 0 0 0 0 0 0 12 2024 54 12% 5691027 0 0 0 427968 0 0 0 427968 631567 5894626 0 0 0 0 0 0 0 0 0 0 0 13 2025 55 12% 5894626 0 0 0 470764 0 0 0 470764 650863 6074725 0 0 0 0 0 0 0 0 0 0 0 14 2026 56 12% 6074725 0 0 0 517841 0 0 0 517841 666826 6223711 0 0 0 0 0 0 0 0 0 0 0 15 2027 57 12% 6223711 0 0 0 0 759500 0 0 759500 655705 6119916 0 0 0 0 0 0 0 0 0 0 0 16 2028 58 12% 6119916 0 0 0 0 835450 0 0 835450 634136 5918603 0 0 0 0 0 0 0 0 0 0 0 17 2029 59 12% 5918603 0 0 0 0 918995 0 0 918995 599953 5599561 0 0 0 0 0 0 0 0 0 0 0 18 2030 60 12% 5599561 0 0 0 0 0 4584037 0 4584037 121863 1137388 0 0 0 0 0 0 0 0 0 0 0 19 2031 61 8% 1137388 0 0 0 0 0 0 0 0 90991 1228379 0 0 0 0 0 0 0 0 0 0 0 20 2032 62 8% 1228379 0 0 0 0 0 0 0 0 98270 1326649 0 0 0 0 0 0 0 0 0 0 0 21 2033 63 8% 1326649 0 0 0 0 0 0 1326649 1326649 0 0 0 0 0 0 0 0 0 0 0 0 0 22 2034 64 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 2035 65 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24 2036 66 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25 2037 67 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26 2038 68 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 27 2039 69 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28 2040 70 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29 2041 71 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 2042 72 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 31 2043 73 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 32 2044 74 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 2045 75 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34 2046 76 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35 2047 77 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lump sum Investment to be required for each Goal Monthly Investment (up to Goal Start ) to be required for each Goal ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt.
  • 40.
    Need- Buying a New House Need-New MotorCar Need-New Activa Scooter for Ankita Need-New Motor Bike Total Amount Rs. Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Amount 5352902 1628133 99950 151090 0 0 7232076 High Medium High High 0 0 Goal Funding through Sale of Assets 3190704 76528 0 3389 0 0 3270621 4000000 950000 50000 60000 0 0 5060000 Goal Funding through Future Loan 823973 411912 0 72156 0 0 1308041 Goal Funding through Financial Investments 1338226 1139693 99950 75545 0 0 2653414 Goal Cost / Expenses Will Grow @% wise 6% 8% 8% 8% 0% 0% Goal Shortfall 0 0 0 0 0 0 0 OR @Amountwise year on year 0 0 0 0 0 0 100% 100% 100% 100% 0% 0% 100% 0% 0% 0% 0% 0% 0% 0% 5 7 9 12 0 0 2018 2020 2022 2025 0 0 1 1 1 1 0 0 2018 2020 2022 2025 0 0 5 7 9 12 0 0 2018 2020 2022 2025 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 Lumpsum 0 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Need- Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 0 0 0 0 0 0 2 2014 44 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Goal Funding through Future Loan Goal Funding through Financial Investments Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Goal (%wise ) with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : Goal Status Summary :: After analysing - Earnings & Investment Cash Flow Particulars :: Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForShortTerm-GrossNeed ForShortTerm-ShortfallAmt. Required in Year / From Year Required Amount Investment to be required @% Short Term Requirement (if any) Pre Retirement Period 8% Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. To be required in Year / Or / Goal start beginning from Year Requirement for Period / Total No. of Years Requirement up to Year Regular Investment to be required for No. of Years from today onwards Regular Investment to be required up to year from today onwards Your Selection for Financial Need Financial Goal Priority Current Cost / Expenses -You wants to provide : Inflation Effect Years left to Financial Goal Arrival Analysis & Cash Flow Statement 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
  • 41.
    2018 2020 00 0 0 0 0 0 0 0 0 5352902 1628133 0 0 0 0 6981035 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 3479019 890645 0 0 0 0 4369664 Lumpsum 0 0 0 0 0 0 0 Monthly 59688 10929 0 0 0 0 70617 Monthly 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Need- Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance 0 Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 4369664 393270 4762933 0 0 0 0 2 2014 44 9% 4762933 0 0 0 0 0 0 0 428664 5191598 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 5191598 0 0 0 0 0 0 0 467244 5658841 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 5658841 0 0 0 0 0 0 0 509296 6168137 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 6168137 0 0 0 0 0 0 0 555132 6723269 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 6723269 5352902 0 0 0 0 0 5352902 123333 1493700 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 1493700 0 0 0 0 0 0 0 134433 1628133 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 1628133 0 1628133 0 0 0 0 1628133 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2022 2025 0 0 0 0 0 0 0 0 0 0 0 99950 151090 0 0 0 251040 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 0 0 0 0 0 0 0 2022 2025 0 0 0 0 0 0 0 0 0 0 0 99950 151090 0 0 0 251040 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 0 0 36043 38781 0 0 0 74824 Lumpsum 0 0 0 0 0 0 0 Monthly 0 0 437 374 0 0 0 811 Monthly 0 0 0 0 0 0 0 Quarterly 0 0 1307 1125 0 0 0 2433 Quarterly 0 0 0 0 0 0 0 Half Yearly 0 0 2606 2256 0 0 0 4862 Half Yearly 0 0 0 0 0 0 0 Yearly 0 0 5178 4530 0 0 0 9708 Yearly 0 0 0 0 0 0 0 Monthly 0 0 0 513 469 0 0 982 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 1534 1405 0 0 2939 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 3051 2805 0 0 5856 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 6040 5590 0 0 11630 Yearly 0 0 0 0 0 0 0 0 Monthly 0 0 0 599 582 0 0 1181 Monthly 0 0 0 0 0 0 0 0 Quarterly 0 0 0 1791 1741 0 0 3532 Quarterly 0 0 0 0 0 0 0 0 Half Yearly 0 0 0 3562 3468 0 0 7030 Half Yearly 0 0 0 0 0 0 0 0 Yearly 0 0 0 7042 6882 0 0 13925 Yearly 0 0 0 0 0 0 0 0 Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForMediumTerm-GrossNeed ForMediumTerm-ShortfallAmt. Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Amount required to be invest after calculating & analysing future earning & Investment cash flow. Pre Retirement Post Retirement Consolidate d Requirement Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> 12% 9% Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Required in Year / From Year Required in Year / From Year Required Amount Pre Retirement Post Retirement Consolidated Requirement Lumpsum Investment to be required @% 15% 9% 15% Medium Term Requirement (if any) Required in Year / From Year Required Amount Investment to be required @% Required Amount Required in Year / From Year Required Amount Long Term Requirement Pre Retirement Period How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost?
  • 42.
    0 0 036043 38781 0 0 74824 0 0 0 0 0 0 0 0 0 0 0 437 374 0 0 811 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Need- Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike N.A. N.A. Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Need-Buying a New House Need-New Motor Car Need-New Activa Scooter for Ankita Need-New Motor Bike Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 74824 8979 83803 0 0 0 2 2014 44 12% 83803 0 0 0 0 0 0 0 10056 93859 0 0 0 0 0 0 0 0 0 0 3 2015 45 12% 93859 0 0 0 0 0 0 0 11263 105123 0 0 0 0 0 0 0 0 0 0 4 2016 46 12% 105123 0 0 0 0 0 0 0 12615 117737 0 0 0 0 0 0 0 0 0 0 5 2017 47 12% 117737 0 0 0 0 0 0 0 14128 131866 0 0 0 0 0 0 0 0 0 0 6 2018 48 12% 131866 0 0 0 0 0 0 0 15824 147690 0 0 0 0 0 0 0 0 0 0 7 2019 49 12% 147690 0 0 0 0 0 0 0 17723 165412 0 0 0 0 0 0 0 0 0 0 8 2020 50 12% 165412 0 0 0 0 0 0 0 19849 185262 0 0 0 0 0 0 0 0 0 0 9 2021 51 12% 185262 0 0 0 0 0 0 0 22231 207493 0 0 0 0 0 0 0 0 0 0 10 2022 52 12% 207493 0 0 99950 0 0 0 99950 12905 120448 0 0 0 0 0 0 0 0 0 0 11 2023 53 12% 120448 0 0 0 0 0 0 0 14454 134902 0 0 0 0 0 0 0 0 0 0 12 2024 54 12% 134902 0 0 0 0 0 0 0 16188 151090 0 0 0 0 0 0 0 0 0 0 13 2025 55 12% 151090 0 0 0 151090 0 0 151090 0 0 0 0 0 0 0 0 0 0 0 0 14 2026 56 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15 2027 57 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 16 2028 58 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 17 2029 59 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 2030 60 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19 2031 61 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 20 2032 62 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 21 2033 63 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 22 2034 64 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 23 2035 65 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24 2036 66 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25 2037 67 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26 2038 68 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 27 2039 69 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28 2040 70 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29 2041 71 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30 2042 72 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 31 2043 73 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 32 2044 74 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33 2045 75 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34 2046 76 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35 2047 77 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Lump sum Investment to be required for each Goal Monthly Investment (up to Goal Start ) to be required for each Goal
  • 43.
    Year Age 2013 43%wise OR Amount wise ( In Years) 2030 60 40200 6% 0 17 2030 108249 50% 0 54125 156500 7% 0 17 2030 494355 0% 0 494355 82600 8% 0 17 2030 305621 0% 0 305621 98100 8% 0 17 2030 362972 0% 0 362972 52500 10% 0 17 2030 265360 0% 0 265360 61050 10% 0 17 2030 308575 50% 0 154288 490950 1845132 Reduction >> 11% 1636720 Retirement Year Retirement Age 30232351 33165279 36519067 2030 60 %wise Amt.wise %wise OR Amt.wise Age Upto Yr. 54125 6% 0 0 412563 0% 0 80 2050 494355 7% 0 0 0 0% 0 80 2050 305621 8% 0 0 0 0% 0 80 2050 10% 0 505447 505447 505447 362972 8% 0 0 0 0% 0 80 2050 5% 0 22920183 22920183 22920183 265360 10% 0 0 0 0% 0 80 2050 6% 0 134639 134639 134639 Year Age 154288 5% 0 80 2050 6% 0 269277 269277 269277 2050 80 1636720 23829546 23829546 23829546 1224157 54061897 56994825 60348613 Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Amount Rs. Funds to be required to provide regular expenses from Retirement year Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Amount High High High Low Optional 70663066 505447 22920183 134639 269277 94492612 490950 100000 10000000 50000 100000 10740950 Goal Funding through Investment 5460413 505447 22920183 134639 269277 29289959 Goal Cost / Expenses Will Grow @% wise As mentioned 10% 5% 6% 6% Goal Shortfall 65202652 0 0 0 0 65202652 OR @Amountwise year on year in above sheet 8% 100% 100% 100% 100% 31% 17 17 17 17 17 92% 0% 0% 0% 0% 69% 2030 2030 2030 2030 2030 1 1 1 1 1 2030 2030 2030 2030 2030 17 17 17 17 17 2030 2030 2030 2030 2030Regular Investment to be required up to year from today onwards Your Selection for Retirement Need Financial Goal Priority Current Cost / Expenses -You wants to provide : Inflation Effect Years left to Financial Goal Arrival To be required in Year / Or / Goal start beginning from Year Requirement for Period / Total No. of Years Requirement up to Year Regular Investment to be required for No. of Years from today onwards Less : Retirement Income - Rs. 412563 Inflation effect after retirementRetirement year onwards Expenses / Particulars Life ExpectancyRetirement Income from / Source Retirement Income will rise Housing Expenses Personal Expenses Retirement Income Amount Rs. 412563 Total Amount Rs. Current Expenses / Particulars Expenses Amount Rs. Current Year Retirement Year Expenses at Retirement - Rs. Entertainment Expenses Personal Expenses Housing Expenses Final Expenses Amount - Retirement Year Onwards Current Age Health Expenses After Ret.you will be able to reduce lump sum expenses %wise OR Amt. wise Total Amount Rs. Living Expenses Pre - Retirement Expenses Details Post - Retirement Income -Expenses Details Inflation effect on Expenses Retirement Period Food Expenses 1636720 Retirement year onwards Expenses Retirement year onwards Income Food Expenses Living Expenses Health Expenses Entertainment Expenses Expenses Amount at Retirement Life Expectancy 20 Total Period in Years 1224157 1224157 Calculation of Post Retirement Corpus with 3 scenario @different rate of return At Retirement will Rise @ % Or Amt. wise Cost Inflation Total corpus to be required at retirement to cover post retirement expenses & Additional provisional fund requirement (if any) Add : Additional Requirement at Retirement For Medical Exp. Lumpsum Need For Tour - Yatra For Donation 10000000 100000 50000 100000 Current Cost OR Target Amount Gross Retirement Corpus Need -Calculation Sheet Amount needed in year Goal Status : Particulars Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. Net Expenses Rs. : ( Retirement onwards Expenses - Income ) - to be required at start of retirement period Aggressive Rate (%) Moderate Rate (%) Conservativ e Rate (%) Total corpus to be required for retirement period ( upto 20 years) to cover post retirement expenses Requirement duration : Total No. of Years ( Retirement Year to Life Expectancy Year ) 20 20 20 Post Retirement - Expected Rate of Return on Retirement Corpus Expenses amount at retirement year onwards ( As per Income - Expenses calculation sheet) 8% 7% 6% 1224157 0 2000000 4000000 6000000 8000000 Pre -Retirement Expenses Post -Retirement Expenses 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Goal Funding through Investment Goal Shortfall
  • 44.
    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 0 0 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Funds to be required to provide regular expenses from Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Funds to be required to provide regular expenses Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 0 0 0 0 0 0 2 2014 44 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 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 0 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 Monthly 0 0 0 0 0 0 Monthly 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Funds to be required to provide regular expenses from Retirement Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance 0 Funds to be required to provide regular expenses from Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 0 0 0 0 0 0 0 2 2014 44 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 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 2031 2031 2031 2031 2031 0 2031 0 0 0 0 70663066 505447 22920183 134639 269277 0 94492612 65202652 0 0 0 0 65202652 0 0 0 0 0 0 0 0 0 0 0 0 0 2031 2031 2031 2031 2031 0 2031 0 0 0 0 70663066 505447 22920183 134639 269277 0 94492612 65202652 0 0 0 0 65202652 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 3931403 65728 2980531 17508 35017 0 7030187 Lumpsum 3313709 0 0 0 0 3313709 Monthly 39497 660 29944 176 352 0 70629 Monthly 33291 0 0 0 0 33291 Quarterly 118993 1989 90213 530 1060 0 212786 Quarterly 100297 0 0 0 0 100297 Half Yearly 239430 4003 181520 1066 2133 0 428152 Half Yearly 201811 0 0 0 0 201811 Yearly 484185 8095 367077 2156 4313 0 865826 Yearly 408111 0 0 0 0 408111 Monthly 49924 835 37849 222 445 89275 Monthly 42080 0 0 0 0 42080 Quarterly 149957 2507 113688 668 1336 268156 Quarterly 126396 0 0 0 0 126396 Half Yearly 300436 5023 227771 1338 2676 537244 Half Yearly 253232 0 0 0 0 253232 Yearly 602729 10077 456950 2684 5368 1077809 Yearly 508030 0 0 0 0 508030 Monthly 62556 1046 47426 279 557 111863 Monthly 52727 0 0 0 0 52727 Quarterly 187524 3135 142169 835 1670 335334 Quarterly 158061 0 0 0 0 158061 Half Yearly 374616 6263 284009 1668 3337 669893 Half Yearly 315757 0 0 0 0 315757 Yearly 747470 12497 566682 3329 6658 1336635 Yearly 630029 0 0 0 0 630029 ForShortTerm-GrossNeedForMediumTerm-GrossNeed Required in Year / From Year Required Amount Investment to be required @% 8% Medium Term Requirement (if any) Required in Year / From Year Required Amount Investment to be required @% Short Term Requirement (if any) Pre Retirement Period Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Lumpsum Investment to be required @% Required Amount Required in Year / From Year 12% Post Retirement Consolidate d Requiremen Pre Retirement Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForShortTerm- ShortfallAmt. Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForMediumTerm -ShortfallAmt. 15% Pre Retirement Period 9% Amount required to be invest after calculating & analysing future earning & Investment cash flow. ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. 10% 8% Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Long Term Requirement Pre Retirement Post Retirement Consolidated Requirement Required Amount Required in Year / From Year Required Amount Required in Year / From Year Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
  • 45.
    0 3931403 657282980531 17508 35017 7030187 0 3313709 0 0 0 0 3313709 0 39497 660 29944 176 352 70629 0 33291 0 0 0 0 33291 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 7030187 843622 7873809 3313709 397645 3711354 2 2014 44 12% 7873809 0 0 0 0 0 0 944857 8818667 3711354 0 0 0 0 0 0 445362 4156716 3 2015 45 12% 8818667 0 0 0 0 0 0 1058240 9876906 4156716 0 0 0 0 0 0 498806 4655522 4 2016 46 12% 9876906 0 0 0 0 0 0 1185229 11062135 4655522 0 0 0 0 0 0 558663 5214185 5 2017 47 12% 11062135 0 0 0 0 0 0 1327456 12389592 5214185 0 0 0 0 0 0 625702 5839887 6 2018 48 12% 12389592 0 0 0 0 0 0 1486751 13876342 5839887 0 0 0 0 0 0 700786 6540673 7 2019 49 12% 13876342 0 0 0 0 0 0 1665161 15541504 6540673 0 0 0 0 0 0 784881 7325554 8 2020 50 12% 15541504 0 0 0 0 0 0 1864980 17406484 7325554 0 0 0 0 0 0 879067 8204621 9 2021 51 12% 17406484 0 0 0 0 0 0 2088778 19495262 8204621 0 0 0 0 0 0 984554 9189175 10 2022 52 12% 19495262 0 0 0 0 0 0 2339431 21834694 9189175 0 0 0 0 0 0 1102701 10291876 11 2023 53 12% 21834694 0 0 0 0 0 0 2620163 24454857 10291876 0 0 0 0 0 0 1235025 11526901 12 2024 54 12% 24454857 0 0 0 0 0 0 2934583 27389440 11526901 0 0 0 0 0 0 1383228 12910130 13 2025 55 12% 27389440 0 0 0 0 0 0 3286733 30676172 12910130 0 0 0 0 0 0 1549216 14459345 14 2026 56 12% 30676172 0 0 0 0 0 0 3681141 34357313 14459345 0 0 0 0 0 0 1735121 16194467 15 2027 57 12% 34357313 0 0 0 0 0 0 4122878 38480191 16194467 0 0 0 0 0 0 1943336 18137802 16 2028 58 12% 38480191 0 0 0 0 0 0 4617623 43097813 18137802 0 0 0 0 0 0 2176536 20314339 17 2029 59 12% 43097813 0 0 0 0 0 0 5171738 48269551 20314339 0 0 0 0 0 0 2437721 22752059 18 2030 60 12% 48269551 0 0 0 0 0 0 5792346 54061897 22752059 0 0 0 0 0 0 2730247 25482307 19 2031 61 8% 54061897 1349747 505447 22920183 134639 269277 25179293 2310608 31193213 25482307 0 0 0 0 0 0 2038585 27520891 20 2032 62 8% 31193213 1485272 0 0 0 0 1485272 2376635 32084575 27520891 0 0 0 0 0 0 2201671 29722562 21 2033 63 8% 32084575 1631542 0 0 0 0 1631542 2436243 32889276 29722562 848819 0 0 0 0 848819 2309899 31183643 22 2034 64 8% 32889276 1789430 0 0 0 0 1789430 2487988 33587834 31183643 1202430 0 0 0 0 1202430 2398497 32379711 23 2035 65 8% 33587834 1959888 0 0 0 0 1959888 2530236 34158182 32379711 1346106 0 0 0 0 1346106 2482688 33516293 24 2036 66 8% 34158182 2143941 0 0 0 0 2143941 2561139 34575380 33516293 1502052 0 0 0 0 1502052 2561139 34575380 25 2037 67 8% 34575380 2342706 0 0 0 0 2342706 2578614 34811287 34575380 2342706 0 0 0 0 2342706 2578614 34811287 26 2038 68 8% 34811287 2557391 0 0 0 0 2557391 2580312 34834208 34811287 2557391 0 0 0 0 2557391 2580312 34834208 27 2039 69 8% 34834208 2789306 0 0 0 0 2789306 2563592 34608494 34834208 2789306 0 0 0 0 2789306 2563592 34608494 28 2040 70 8% 34608494 3039872 0 0 0 0 3039872 2525490 34094111 34608494 3039872 0 0 0 0 3039872 2525490 34094111 29 2041 71 8% 34094111 3310629 0 0 0 0 3310629 2462679 33246160 34094111 3310629 0 0 0 0 3310629 2462679 33246160 30 2042 72 8% 33246160 3603250 0 0 0 0 3603250 2371433 32014343 33246160 3603250 0 0 0 0 3603250 2371433 32014343 31 2043 73 8% 32014343 3919547 0 0 0 0 3919547 2247584 30342380 32014343 3919547 0 0 0 0 3919547 2247584 30342380 32 2044 74 8% 30342380 4261488 0 0 0 0 4261488 2086471 28167364 30342380 4261488 0 0 0 0 4261488 2086471 28167364 33 2045 75 8% 28167364 4631207 0 0 0 0 4631207 1882893 25419049 28167364 4631207 0 0 0 0 4631207 1882893 25419049 34 2046 76 8% 25419049 5031022 0 0 0 0 5031022 1631042 22019070 25419049 5031022 0 0 0 0 5031022 1631042 22019070 35 2047 77 8% 22019070 5463447 0 0 0 0 5463447 1324450 17880073 22019070 5463447 0 0 0 0 5463447 1324450 17880073 36 2048 78 8% 17880073 5931213 0 0 0 0 5931213 955909 12904768 17880073 5931213 0 0 0 0 5931213 955909 12904768 37 2049 79 8% 12904768 6437285 0 0 0 0 6437285 517399 6984881 12904768 6437285 0 0 0 0 6437285 517399 6984881 38 2050 80 0% 6984881 6984881 0 0 0 0 6984881 0 0 6984881 6984881 0 0 0 0 6984881 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lump sum Investment to be required for each Goal Monthly Investment (up to Goal Start ) to be required for each Goal ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt.
  • 46.
    54061897 56994825 60348613 8%7% 6% Year Age 2030 60 5047975 5047975 5047975 2035 60 2545463 2545463 2545463 Total : 7593438 Total : 0 7593438 7593438 7593438 623670 623670 623670 6959567 6959567 6959567 7583237 7583237 7583237 15176675 15176675 15176675 2030 60 38885222 41818150 45171938 2013 43 38885222 41818150 45171938 38885222 41818150 45171938 38885222 41818150 45171938 Aggressive Moderate Conservative Aggressive Moderate Conservative Aggressive Moderate Conservative 8% 7% 6% 8% 7% 6% 8% 7% 6% 445871 479501 517957 622765 669737 723449 863762 928911 1003409 35654 38343 41418 51309 55179 59605 72499 77968 84221 3142125 3379121 3650124 5056618 5438015 5874140 8243424 8865186 9576168 Total Retirement Corpus to be required at Retirement : Ekta Patel Value of Retirement Benefit Corpus EPF & EPS Valuation at Retirement Retirement Ekta Patel- in 2035 12% 18 Mutual Fund -SIP Valuation (Retirement) Gratuity Value at Retirement 0 Lump sum Investment to be required total Corpus to be accumulated Investment Tenure ( Years) Samir Patel 15% 18 Current Year Current Age So, as of today how much amount to be invested to build retirement corpus 5047975 Retirement benefits corpus Samir Patel- in 2030 2545463 Moderate Separate Retirement Plan Calculation Sheet - to find Investment Need with Retirement Corpus Assumed Return - Post Retirement Assumed Return - Pre Retirement Yearly Investment to be required Monthly Investment to be required PPF Valuation of all Accounts 0 Other Investment / Retirement Corpus 18 Conservative 9% Aggressive Less : Amount receivable towards retirement benefits / other investment contributed for retirements Total value of retirement benefit corpus at Retirement Rs. :: Therefore, total amount to be accumulated at retirement year
  • 47.
    9% 6% Samir PatelEkta Patel Age Age Samir Patel Ekta Patel Maturity Value of other Investments Rs. Reserve Fund - Provisional Requirement Fund for Yearly Expenses 1 2013 43 38 9576168 0 0 0 9576168 0 0 9576168 9% 861855 10438023 2 2014 44 39 10438023 0 0 0 10438023 0 0 10438023 9% 939422 11377445 3 2015 45 40 11377445 0 0 0 11377445 0 0 11377445 9% 1023970 12401415 4 2016 46 41 12401415 0 0 0 12401415 0 0 12401415 9% 1116127 13517543 5 2017 47 42 13517543 0 0 0 13517543 0 0 13517543 9% 1216579 14734121 6 2018 48 43 14734121 0 0 0 14734121 0 0 14734121 9% 1326071 16060192 7 2019 49 44 16060192 0 0 0 16060192 0 0 16060192 9% 1445417 17505610 8 2020 50 45 17505610 0 0 0 17505610 0 0 17505610 9% 1575505 19081115 9 2021 51 46 19081115 0 0 0 19081115 0 0 19081115 9% 1717300 20798415 10 2022 52 47 20798415 0 0 0 20798415 0 0 20798415 9% 1871857 22670272 11 2023 53 48 22670272 0 0 0 22670272 0 0 22670272 9% 2040325 24710597 12 2024 54 49 24710597 0 0 0 24710597 0 0 24710597 9% 2223954 26934550 13 2025 55 50 26934550 0 0 0 26934550 0 0 26934550 9% 2424110 29358660 14 2026 56 51 29358660 0 0 0 29358660 0 0 29358660 9% 2642279 32000939 15 2027 57 52 32000939 0 0 0 32000939 0 0 32000939 9% 2880085 34881024 16 2028 58 53 34881024 0 0 0 34881024 0 0 34881024 9% 3139292 38020316 17 2029 59 54 38020316 0 0 0 38020316 0 0 38020316 9% 3421828 41442145 18 2030 60 55 41442145 0 0 0 41442145 0 0 41442145 9% 3729793 45171938 19 2031 61 56 45171938 7593438 0 7583237 60348613 23829546 1349747 35169320 6% 2110159 37279479 20 2032 62 57 37279479 0 0 0 37279479 0 1485272 35794207 6% 2147652 37941859 21 2033 63 58 37941859 0 0 0 37941859 0 1631542 36310317 6% 2178619 38488936 22 2034 64 59 38488936 0 0 0 38488936 0 1789430 36699506 6% 2201970 38901476 23 2035 65 60 38901476 0 0 0 38901476 0 1959888 36941589 6% 2216495 39158084 24 2036 66 61 39158084 0 0 0 39158084 0 2143941 37014143 6% 2220849 39234991 25 2037 67 62 39234991 0 0 0 39234991 0 2342706 36892285 6% 2213537 39105822 26 2038 68 63 39105822 0 0 0 39105822 0 2557391 36548431 6% 2192906 38741336 27 2039 69 64 38741336 0 0 0 38741336 0 2789306 35952030 6% 2157122 38109152 28 2040 70 65 38109152 0 0 0 38109152 0 3039872 35069280 6% 2104157 37173437 29 2041 71 66 37173437 0 0 0 37173437 0 3310629 33862808 6% 2031768 35894576 30 2042 72 67 35894576 0 0 0 35894576 0 3603250 32291326 6% 1937480 34228805 31 2043 73 68 34228805 0 0 0 34228805 0 3919547 30309258 6% 1818556 32127814 32 2044 74 69 32127814 0 0 0 32127814 0 4261488 27866326 6% 1671980 29538306 33 2045 75 70 29538306 0 0 0 29538306 0 4631207 24907099 6% 1494426 26401525 34 2046 76 71 26401525 0 0 0 26401525 0 5031022 21370503 6% 1282230 22652733 35 2047 77 72 22652733 0 0 0 22652733 0 5463447 17189286 6% 1031357 18220644 36 2048 78 73 18220644 0 0 0 18220644 0 5931213 12289430 6% 737366 13026796 37 2049 79 74 13026796 0 0 0 13026796 0 6437285 6589511 6% 395371 6984881 38 2050 80 75 6984881 0 0 0 6984881 0 6984881 0 6% 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% 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% 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% 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% 0 0 Retirement Planning : Cash Flow Statement Pre-Retirement Rate of Return on Investment :: Select Here Select Here :: Post-Retirement Rate of Return on Investment Sr. Interest Rate% Required Fund Blanace each year Retirement NeedsRetirement Benefits & Corpus Value Net_Need_Rs. Interest Amount Rs. Closing Balance Rs. Year Opening Balance Rs.
  • 48.
    Retirement Need Retirement Corpus Intereston Balance Required Balance Each Year 0 5000000 10000000 15000000 20000000 25000000 30000000 35000000 40000000 45000000 50000000 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 9576168 10438023 11377445 12401415 13517543 14734121 16060192 17505610 19081115 20798415 22670272 24710597 26934550 29358660 32000939 34881024 38020316 41442145 45171938 37279479 37941859 38488936 38901476 39158084 39234991 39105822 38741336 38109152 37173437 35894576 34228805 32127814 29538306 26401525 22652733 18220644 13026796 6984881 Retirement Cash Flow Retirement Need Retirement Corpus Interest on Balance Required Balance Each Year
  • 49.
    Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total AmountRs. Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Amount 15127998 5000000 274834 1468591 0 21871422 Optional Optional Medium 0 0 Goal Funding through Sale of Assets 0 0 0 0 0 0 5000000 5000000 25000 50000 0 10075000 Goal Funding through Future Loan 0 0 0 0 0 0 Goal Funding through Financial Investments 14547823 0 199194 0 0 14747017 Goal Cost / Expenses Will Grow @% wise 6% 0% 6% 6% 0% Goal Shortfall 580175 5000000 75640 1468591 0 7124406 OR @Amountwise year on year 0 0 0 0 0 96% 0% 72% 0% 0% 67% 4% 100% 28% 100% 0% 33% 19 24 7 19 0 2032 2037 2020 2032 0 1 1 13 19 0 2032 2037 2032 2050 0 17 17 7 17 0 2030 2030 2020 2030 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 Lumpsum 0 0 0 0 0 0 Lumpsum 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 0 0 0 0 0 0 2 2014 44 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2015 45 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2016 46 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Goal Status Summary :: After analysing - Earnings & Investment Cash Flow Particulars :: Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Goal Funding through Future Loan Goal Funding through Financial Investments Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Goal (%wise ) with your Actual Cash Flow : Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : ForShortTerm-GrossNeed ForShortTerm- ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Short Term Requirement (if any) Pre Retirement Period Required in Year / From Year Required Amount Investment to be required @% 8% This period is remain same in most of time, except if there is early retirement desired before Fin. Goal year arrival. To be required in Year / Or / Goal start beginning from Year Requirement for Period / Total No. of Years Requirement up to Year Regular Investment to be required for No. of Years from today onwards Regular Investment to be required up to year from today onwards Your Selection for Financial Dream Financial Goal Priority Current Cost / Expenses -You wants to provide : Inflation Effect Years left to Financial Goal Arrival 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Dream-Buying A Farm House Dream-Create Wealth Dream-Domestic Tour Dream-Long Tour Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
  • 50.
    0 0 20200 0 0 0 0 0 0 0 0 0 37591 0 0 37591 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lumpsum 0 0 20563 0 0 20563 Lumpsum 0 0 0 0 0 0 0 Monthly 0 0 252 0 0 252 Monthly 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance 0 Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 20563 1851 22414 0 0 0 0 2 2014 44 9% 22414 0 0 0 0 0 0 2017 24431 0 0 0 0 0 0 0 0 0 0 3 2015 45 9% 24431 0 0 0 0 0 0 2199 26630 0 0 0 0 0 0 0 0 0 0 4 2016 46 9% 26630 0 0 0 0 0 0 2397 29027 0 0 0 0 0 0 0 0 0 0 5 2017 47 9% 29027 0 0 0 0 0 0 2612 31639 0 0 0 0 0 0 0 0 0 0 6 2018 48 9% 31639 0 0 0 0 0 0 2848 34487 0 0 0 0 0 0 0 0 0 0 7 2019 49 9% 34487 0 0 0 0 0 0 3104 37591 0 0 0 0 0 0 0 0 0 0 8 2020 50 9% 37591 0 0 37591 0 0 37591 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2023 0 0 0 0 0 0 0 0 0 0 161603 0 0 0 161603 0 0 0 0 0 0 2032 2037 2032 2032 0 0 2031 2031 2031 2031 0 15127998 5000000 75640 1468591 0 0 21672229 580175 5000000 75640 1468591 0 7124406 0 0 0 0 0 0 0 0 0 0 0 0 0 2032 2037 2023 2032 0 0 2031 2031 2031 2031 0 15127998 5000000 237243 1468591 0 0 21833832 580175 5000000 75640 1468591 0 7124406 0 0 0 0 0 0 0 0 0 0 0 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 1821517 409735 46103 95431 0 0 2372786 Lumpsum 69857 409735 9108 95431 0 584131 Monthly 12685 2853 514 665 0 16717 Monthly 486 2853 63 665 0 4068 Quarterly 38464 8652 1540 2015 0 50672 Quarterly 1475 8652 192 2015 0 12335 Half Yearly 78109 17570 3076 4092 0 102847 Half Yearly 2996 17570 391 4092 0 25048 Yearly 160614 36129 6132 8415 0 211289 Yearly 6160 36129 803 8415 0 51506 Monthly 18300 4116 616 959 0 23991 Monthly 0 702 4116 91 959 0 5868 Quarterly 55133 12402 1844 2888 0 72266 Quarterly 0 2114 12402 276 2888 0 17680 Half Yearly 110934 24954 3672 5812 0 145372 Half Yearly 0 4254 24954 555 5812 0 35575 Yearly 224335 50462 7285 11753 0 293836 Yearly 0 8603 50462 1122 11753 0 71941 Monthly 25922 5831 734 1358 0 33845 Monthly 0 994 5831 130 1358 0 8313 Quarterly 77774 17495 2195 4075 0 101539 Quarterly 0 2983 17495 389 4075 0 24941 Half Yearly 155566 34993 4368 8150 0 203078 Half Yearly 0 5966 34993 778 8150 0 49888 Yearly 311148 69990 8646 16301 0 406086 Yearly 0 11933 69990 1556 16301 0 99780 ForMediumTerm-GrossNeed ForMediumTerm-ShortfallAmt. ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Amount required to be invest after calculating & analysing future earning & Investment cash flow. SIP OR Other Regular Investment recommendations are for need arising after 5 Years from today and upto Goal Starts OR Retirement period starts,whichever arises earlier only.- @Projected Return ->> Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Consolidat ed Requireme Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Required Amount Required in Year / From Year Required Amount Required in Year / From Year Required Amount Pre Retirement Post Retirement Consolidat ed Requireme 9% 15% Long Term Requirement Medium Term Requirement (if any) Required in Year / From Year Required Amount Investment to be required @% Pre Retirement Period Required in Year / From Year Pre Retirement Post Retirement 12% 9% Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Lumpsum Investment to be required @% 15%
  • 51.
    0 1821517 40973546103 95431 0 2372786 0 69857 409735 9108 95431 0 584131 0 12685 2853 514 665 0 16717 0 486 2853 63 665 0 4068 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour N.A. Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Dream- Buying A Farm House Dream- Create Wealth Dream- Domestic Tour Dream- Long Tour Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 2372786 284734 2657520 584131 70096 654227 2 2014 44 12% 2657520 0 0 0 0 0 0 318902 2976423 654227 0 0 0 0 0 0 78507 732734 3 2015 45 12% 2976423 0 0 0 0 0 0 357171 3333594 732734 0 0 0 0 0 0 87928 820662 4 2016 46 12% 3333594 0 0 0 0 0 0 400031 3733625 820662 0 0 0 0 0 0 98479 919141 5 2017 47 12% 3733625 0 0 0 0 0 0 448035 4181660 919141 0 0 0 0 0 0 110297 1029438 6 2018 48 12% 4181660 0 0 0 0 0 0 501799 4683459 1029438 0 0 0 0 0 0 123533 1152971 7 2019 49 12% 4683459 0 0 0 0 0 0 562015 5245474 1152971 0 0 0 0 0 0 138356 1291327 8 2020 50 12% 5245474 0 0 0 0 0 0 629457 5874931 1291327 0 0 0 0 0 0 154959 1446286 9 2021 51 12% 5874931 0 0 0 0 0 0 704992 6579922 1446286 0 0 0 0 0 0 173554 1619841 10 2022 52 12% 6579922 0 0 0 0 0 0 789591 7369513 1619841 0 0 0 0 0 0 194381 1814222 11 2023 53 12% 7369513 0 0 44771 0 0 44771 878969 8203711 1814222 0 0 0 0 0 0 217707 2031928 12 2024 54 12% 8203711 0 0 0 0 0 0 984445 9188156 2031928 0 0 0 0 0 0 243831 2275760 13 2025 55 12% 9188156 0 0 0 0 0 0 1102579 10290735 2275760 0 0 0 0 0 0 273091 2548851 14 2026 56 12% 10290735 0 0 53323 0 0 53323 1228489 11465901 2548851 0 0 0 0 0 0 305862 2854713 15 2027 57 12% 11465901 0 0 0 0 0 0 1375908 12841810 2854713 0 0 0 0 0 0 342566 3197278 16 2028 58 12% 12841810 0 0 0 0 0 0 1541017 14382827 3197278 0 0 0 0 0 0 383673 3580952 17 2029 59 12% 14382827 0 0 63509 0 0 63509 1718318 16037636 3580952 0 0 0 0 0 0 429714 4010666 18 2030 60 12% 16037636 0 0 0 0 0 0 1924516 17962152 4010666 0 0 0 0 0 0 481280 4491946 19 2031 61 8% 17962152 0 0 0 0 0 0 1436972 19399125 4491946 0 0 0 0 0 0 359356 4851302 20 2032 62 8% 19399125 15127998 0 75640 151280 0 15354917 323537 4367744 4851302 580175 0 75640 151280 0 807095 323537 4367744 21 2033 63 8% 4367744 0 0 0 0 0 0 349419 4717163 4367744 0 0 0 0 0 0 349419 4717163 22 2034 64 8% 4717163 0 0 0 0 0 0 377373 5094536 4717163 0 0 0 0 0 0 377373 5094536 23 2035 65 8% 5094536 0 0 0 180177 0 180177 393149 5307508 5094536 0 0 0 180177 0 180177 393149 5307508 24 2036 66 8% 5307508 0 0 0 0 0 0 424601 5732109 5307508 0 0 0 0 0 0 424601 5732109 25 2037 67 8% 5732109 0 5000000 0 0 0 5000000 58569 790677 5732109 0 5000000 0 0 0 5000000 58569 790677 26 2038 68 8% 790677 0 0 0 214594 0 214594 46087 622170 790677 0 0 0 214594 0 214594 46087 622170 27 2039 69 8% 622170 0 0 0 0 0 0 49774 671944 622170 0 0 0 0 0 0 49774 671944 28 2040 70 8% 671944 0 0 0 0 0 0 53756 725700 671944 0 0 0 0 0 0 53756 725700 29 2041 71 8% 725700 0 0 0 255584 0 255584 37609 507725 725700 0 0 0 255584 0 255584 37609 507725 30 2042 72 8% 507725 0 0 0 0 0 0 40618 548343 507725 0 0 0 0 0 0 40618 548343 31 2043 73 8% 548343 0 0 0 0 0 0 43867 592210 548343 0 0 0 0 0 0 43867 592210 32 2044 74 8% 592210 0 0 0 304405 0 304405 23024 310829 592210 0 0 0 304405 0 304405 23024 310829 33 2045 75 8% 310829 0 0 0 0 0 0 24866 335696 310829 0 0 0 0 0 0 24866 335696 34 2046 76 8% 335696 0 0 0 0 0 0 26856 362551 335696 0 0 0 0 0 0 26856 362551 35 2047 77 8% 362551 0 0 0 362551 0 362551 0 0 362551 0 0 0 362551 0 362551 0 0 36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ForLongTerm-GrossNeed ForLongTerm-ShortfallAmt. Lump sum Investment to be required for each Goal Monthly Investment (up to Goal Start ) to be required for each Goal
  • 52.
    91025 91025 00 0 182050 0 0 0 0 0 0 0 0 Lumpsum 77812 77812 0 0 0 155624 Lumpsum 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 8% 155624 12450 168074 0 0 0 2 2014 44 8% 168074 27500 27500 0 0 0 55000 9046 122120 0 0 0 0 0 0 0 0 0 3 2015 45 8% 122120 30250 30250 0 0 0 60500 4930 66550 0 0 0 0 0 0 0 0 0 4 2016 46 8% 66550 33275 33275 0 0 0 66550 0 0 0 0 0 0 0 0 0 0 0 441668 247821 6981035 0 37591 7708115 0 0 0 0 0 0 0 0 Lumpsum 273407 147797 4369664 0 20563 4811432 Lumpsum 0 0 0 0 0 0 Monthly 0 Monthly 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance 0 Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance 0 Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning 0 Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 9% 4811432 433029 5244461 0 0 0 0 2 2014 44 9% 5244461 0 0 0 0 0 0 472001 5716462 0 0 0 0 0 0 0 0 0 3 2015 45 9% 5716462 0 0 0 0 0 0 514482 6230944 0 0 0 0 0 0 0 0 0 4 2016 46 9% 6230944 0 0 0 0 0 0 560785 6791728 0 0 0 0 0 0 0 0 0 5 2017 47 9% 6791728 95167 36603 0 0 0 131769 599396 7259356 0 0 0 0 0 0 0 0 0 6 2018 48 9% 7259356 104683 40263 5352902 0 0 5497848 158536 1920043 0 0 0 0 0 0 0 0 0 7 2019 49 9% 1920043 115151 44289 0 0 0 159440 158454 1919057 0 0 0 0 0 0 0 0 0 8 2020 50 9% 1919057 126667 126667 1628133 0 37591 1919057 0 0 0 0 0 0 0 0 0 0 0 3482643 8975746 251040 0 161603 12871032 0 0 0 0 0 0 0 1326649 0 94492612 21672229 117491489 0 0 0 65202652 7124406 72327058 0 0 3482643 10302395 251040 94492612 21833832 130362522 0 0 0 65202652 7124406 72327058 0 0 Pre Retirement 12% Post Retirement 8% Lumpsum 895233 1801861 74824 7030187 2372786 12174890 Lumpsum 0 0 0 3313709 584131 3897840 ForLongTerm GrossNeed ForLongTerm ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? ForMediumTerm-GrossNeed ForMediumTerm-ShortfallAmt. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much shortfall in your future goal & amount required to be invest for shortfall in goal? Pre Retirement Post Retirement Consolidated Requirement Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Required Amount Required in Year / From Year Required Amount Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Amount required to be invest after calculating & analysing future earning & Investment cash flow. How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal? ForShortTerm-GrossNeed ForShortTerm- ShortfallAmt. Investment to be required @% Short Term Requirement (if any) Pre Retirement Period 8% Required in Year / From Year Required Amount Regular Investment Amount is suggested upto Goal Starting Year OR Upto Retirement Year - Whichever is arising earlier. Pre Retirement Post Retirement Consolidated Requirement Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Medium Term Requirement (if any) Required in Year / From Year Required Amount Investment to be required @% Pre Retirement Period 9% 15% Required in Year / From Year Long Term Requirement Required Amount Lumpsum Investment to be required @% Required in Year / From Year
  • 53.
    0 895233 180186174824 7030187 2372786 12174890 0 0 0 0 3313709 584131 3897840 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Sr. No. Year Age Rate of Return Lump sum Investment Require / Opening Balance Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Needs Interest on Balance Amt. Closing Balance Lump sum Investment Require / Opening Balance Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Needs Interest on Balance Amt. Closing Balance 1 2013 43 12% 12174890 1460987 13635877 3897840 467741 4365580 2 2014 44 12% 13635877 0 0 0 0 0 0 1636305 15272182 4365580 0 0 0 0 0 0 523870 4889450 3 2015 45 12% 15272182 0 0 0 0 0 0 1832662 17104844 4889450 0 0 0 0 0 0 586734 5476184 4 2016 46 12% 17104844 0 0 0 0 0 0 2052581 19157425 5476184 0 0 0 0 0 0 657142 6133326 5 2017 47 12% 19157425 0 0 0 0 0 0 2298891 21456316 6133326 0 0 0 0 0 0 735999 6869325 6 2018 48 12% 21456316 0 0 0 0 0 0 2574758 24031074 6869325 0 0 0 0 0 0 824319 7693644 7 2019 49 12% 24031074 0 0 0 0 0 0 2883729 26914803 7693644 0 0 0 0 0 0 923237 8616881 8 2020 50 12% 26914803 0 0 0 0 0 0 3229776 30144580 8616881 0 0 0 0 0 0 1034026 9650907 9 2021 51 12% 30144580 214359 139333 0 0 0 353692 3574907 33365794 9650907 0 0 0 0 0 0 1158109 10809016 10 2022 52 12% 33365794 235795 153267 99950 0 0 489012 3945214 36821996 10809016 0 0 0 0 0 0 1297082 12106098 11 2023 53 12% 36821996 259374 168593 0 0 44771 472739 4361911 40711169 12106098 0 0 0 0 0 0 1452732 13558830 12 2024 54 12% 40711169 427968 427968 0 0 0 855935 4782628 44637862 13558830 0 0 0 0 0 0 1627060 15185889 13 2025 55 12% 44637862 470764 470764 151090 0 0 1092619 5225429 48770672 15185889 0 0 0 0 0 0 1822307 17008196 14 2026 56 12% 48770672 517841 517841 0 0 53323 1089005 5721800 53403468 17008196 0 0 0 0 0 0 2040984 19049179 15 2027 57 12% 53403468 1356542 759500 0 0 0 2116042 6154491 57441917 19049179 0 0 0 0 0 0 2285902 21335081 16 2028 58 12% 57441917 0 835450 0 0 0 835450 6792776 63399243 21335081 0 0 0 0 0 0 2560210 23895291 17 2029 59 12% 63399243 0 918995 0 0 63509 982503 7490009 69906748 23895291 0 0 0 0 0 0 2867435 26762725 18 2030 60 12% 69906748 0 4584037 0 0 0 4584037 7838725 73161437 26762725 0 0 0 0 0 0 3211527 29974253 19 2031 61 8% 73161437 0 0 0 25179293 0 25179293 3838572 51820716 29974253 0 0 0 0 0 0 2397940 32372193 20 2032 62 8% 51820716 0 0 0 1485272 15354917 16840190 2798442 37778968 32372193 0 0 0 0 807095 807095 2525208 34090306 21 2033 63 8% 37778968 0 1326649 0 1631542 0 2958191 2785662 37606439 34090306 0 0 0 848819 0 848819 2659319 35900806 22 2034 64 8% 37606439 0 0 0 1789430 0 1789430 2865361 38682370 35900806 0 0 0 1202430 0 1202430 2775870 37474247 23 2035 65 8% 38682370 0 0 0 1959888 180177 2140064 2923384 39465690 37474247 0 0 0 1346106 180177 1526283 2875837 38823801 24 2036 66 8% 39465690 0 0 0 2143941 0 2143941 2985740 40307488 38823801 0 0 0 1502052 0 1502052 2985740 40307488 25 2037 67 8% 40307488 0 0 0 2342706 5000000 7342706 2637183 35601965 40307488 0 0 0 2342706 5000000 7342706 2637183 35601965 26 2038 68 8% 35601965 0 0 0 2557391 214594 2771985 2626398 35456378 35601965 0 0 0 2557391 214594 2771985 2626398 35456378 27 2039 69 8% 35456378 0 0 0 2789306 0 2789306 2613366 35280438 35456378 0 0 0 2789306 0 2789306 2613366 35280438 28 2040 70 8% 35280438 0 0 0 3039872 0 3039872 2579245 34819811 35280438 0 0 0 3039872 0 3039872 2579245 34819811 29 2041 71 8% 34819811 0 0 0 3310629 255584 3566214 2500288 33753885 34819811 0 0 0 3310629 255584 3566214 2500288 33753885 30 2042 72 8% 33753885 0 0 0 3603250 0 3603250 2412051 32562686 33753885 0 0 0 3603250 0 3603250 2412051 32562686 31 2043 73 8% 32562686 0 0 0 3919547 0 3919547 2291451 30934590 32562686 0 0 0 3919547 0 3919547 2291451 30934590 32 2044 74 8% 30934590 0 0 0 4261488 304405 4565893 2109496 28478193 30934590 0 0 0 4261488 304405 4565893 2109496 28478193 33 2045 75 8% 28478193 0 0 0 4631207 0 4631207 1907759 25754745 28478193 0 0 0 4631207 0 4631207 1907759 25754745 34 2046 76 8% 25754745 0 0 0 5031022 0 5031022 1657898 22381621 25754745 0 0 0 5031022 0 5031022 1657898 22381621 35 2047 77 8% 22381621 0 0 0 5463447 362551 5825998 1324450 17880073 22381621 0 0 0 5463447 362551 5825998 1324450 17880073 36 2048 78 8% 17880073 0 0 0 5931213 0 5931213 955909 12904768 17880073 0 0 0 5931213 0 5931213 955909 12904768 37 2049 79 8% 12904768 0 0 0 6437285 0 6437285 517399 6984881 12904768 0 0 0 6437285 0 6437285 517399 6984881 38 2050 80 0% 6984881 0 0 0 6984881 0 6984881 0 0 6984881 0 0 0 6984881 0 6984881 0 0 39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Child Future - Planning For- Ankita Patel Child Future - Planning For- Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Total Amount 4015335 10641241 7232076 94492612 21871422 138252686 Goal Funding through Sale of Assets271308 3220673 3270621 0 6762602 Goal Funding through Future Loan0 1146009 1308041 0 2454050 Goal Funding through Financial Investments3744027 6274559 2653414 29289959 14747017 56708977 Goal Shortfall 0 0 0 65202652 7124406 72327058 100% 100% 100% 31% 67% 48% 0% 0% 0% 69% 33% 52% Total amt. required - Monthly Total Lump sum amt. required Shortfall of Goal Amount (% wise ) : : Calculating with your actual cash flow. : Goal Status : Particulars Total Amount of Future Goal : - To be required - (Amount Rs. ) : Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow : Shortfall of Goal Amount : : Calculating with your actual cash flow. : Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow : Goal Funding through Sale of Assets Goal Funding through Future Loan Goal Funding through Financial Investments Lump sum Investment to be required for each Goal Total Lump sum amt. required Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Child Future - Planning For-Ankita Patel Child Future - Planning For-Nikunj Patel Future Need Planning Retirement Planning Future Dream Planning Goal Shortfall Goal Funding through Financial Investments Goal Funding through Future Loan Goal Funding through Sale of Assets
  • 54.
    Before Recommendation 16250001713000 32000 270983 2224355 8.62% 8.85% 1851701 1509931 After Recommendation 32000 270983 2224355 1851701 1509931 Proposed Changes-Cash Flow 0 0 0 0 0 Sr. No. Type of Scheme Scheme Name Holder Name Certificate No. Investment Date Regular Inflow Outflow Frequency / Mode Regular Investment Outflow Amount Regular Investment Inflow from Investment Maturity Date Maturity Period (In Years) Lumpsum Investment Amount Rs. Total Invested Amount Rs. Total Amount Payable towards Future Investment from Today Total Amount Receivable towards Interest from Today Maturity Value Rs. Interest Rate (%) Effective Rate of Return (%) Current Valuation of Investment Estimated Surrender Value of Investment Rs. Liquidate? OR Continue? Planner's Advice 1 Public Provident Fund 0 0 34534543 12/12/2006 0 0 0 11/12/2021 15.00 80000 80000 0 0 196199 8.00% 8.00% 106000 0 2 0 0 0 76688884 08/04/2009 0 0 0 07/04/2024 15.00 45000 45000 0 0 160029 8.00% 8.00% 68000 0 3 Post Office Recurring Deposit Scheme 0 Samir Patel 984321 08/07/2009 Monthly 2000 0 07/07/2014 5.00 0 88000 32000 0 147724 7.72% 7.95% 107494 96745 Continue 4 Post Office Monthly Income Scheme 0 Chhotubhai Patel 542987 04/04/2011 Monthly 0 2050 03/04/2016 5.00 300000 300000 0 77900 300000 7.91% 8.20% 300000 270000 Continue 5 Senior Citizen Savings Scheme 0 Chhotubhai Patel 2333987 03/09/2010 Quarterly 0 11250 02/09/2015 5.00 500000 500000 0 123750 500000 8.71% 9.00% 500000 450000 Continue 6 Regular Income Bonds - NCD's 0 Samir Patel 5677333 08/12/2008 Yearly 0 18000 07/12/2014 6.00 200000 200000 0 36000 200000 9.00% 9.00% 200000 180000 Continue 7 0 0 Ekta Patel 122222 09/06/2011 Monthly 0 833 08/06/2016 5.00 100000 100000 0 33333 100000 10.00% 10.47% 100000 90000 Continue 8 Post Office - Time Deposits 0 Samir Patel 566444 12/12/2010 On Maturity 0 0 11/12/2013 3.00 40000 40000 0 0 50730 8.00% 8.24% 47646 42881 Continue 9 National Savings Certificates 0 Savitaben Patel 490345 09/12/2011 On Maturity 0 0 08/12/2016 5.00 150000 150000 0 0 226380 8.40% 8.58% 165798 149218 Continue 10 Kisan Vikas Patra 0 Ekta Patel 1127894 17/06/2008 On Maturity 0 0 16/06/2016 8.58 75000 75000 0 0 150000 8.41% 8.41% 109585 98627 Continue 11 Cumulative - Growth - Bonds & NCD 0 Savitaben Patel 654789 04/08/2012 On Maturity 0 0 03/08/2017 5.00 50000 50000 0 0 86446 11.00% 11.57% 53171 47854 Continue 12 Bank Fixed Deposits > 1 Year 0 Samir Patel 347765 03/12/2011 On Maturity 0 0 02/12/2014 3.00 60000 60000 0 0 79520 9.50% 9.84% 67363 60627 Continue 13 0 0 Samir Patel 4336899 09/06/2012 On Maturity 0 0 08/06/2013 1.00 25000 25000 0 0 27327 9.00% 9.31% 26643 23979 Continue 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
  • 55.
    Before Recommendation 1350000200000 86386 1150863 690236 657500 2838200 5.02% 2121563 1741417 1103877 After Recommendation 300000 200000 24353 176095 0 1058500 734465 717167 578777 Proposed Changes-Cash Flow -1050000 0 -62033 -514141 -657500 -1779700 -1387098 -1024250 -525100 Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Policy Start Date Regular Premium Payment Frequency Mode Regular Insurance Premium Outflow Amount Maturity Date Maturity Period (In Years) Regular Premium Payment Term (In Years) Estimated Bonus Rate Per Rs. 1000 Sum Assured Policy Status Attached Rider (if any) Sum Assured Amount Rs. Pension Plan Value Rs. Yearly Premium Outflow Total Amount Paid towards Premium Amt. Rs. Total Amount Payable towards Future Premium from Today Total Amount Receivable towards Survival Benefit from Today Maturity Value Rs. Effective Rate of Return (%) Current Valuation of Policy / Plan. Paid UP Value of Policy / Plan - Rs. Surrender Value of Policy / Plan - Rs. Liquidate? OR Continue? Make Policy Paid Up? Planner's Recommendation 1 Regular Premium - Traditional Life Insurance Plan LIC Komal Jeevan Samir Patel 11111111 05/03/2003 Yearly 42754 04/03/2027 24 16 75 In Force 0 500000 0 42754 470294 213770 500000 937500 4.99% 882794 756250 286997 Liquidate Policy with Current Surrender Value 2 0 LIC Endowment Ekta Patel 43543543 04/04/2009 Yearly 10053 03/04/2029 20 20 40 In Force 0 200000 0 10053 50265 150795 0 368000 5.46% 90265 90000 29133 Continue to Pay Premium up to Maturity 3 0 LIC Endowment Samir Patel 6576765 20/03/2004 Yearly 8093 19/03/2029 25 25 42 In Force 0 200000 0 8093 80930 121395 0 418400 5.21% 164930 164000 53989 Liquidate Policy with Current Surrender Value 4 0 LIC Endowment Chhotubhai Patel 76876868 14/06/1985 Yearly 3300 13/06/2015 30 30 65 In Force 0 100000 0 3300 95700 3300 0 301500 6.46% 284200 285167 261612 Continue to Pay Premium up to Maturity 5 0 LIC Money Back Samir Patel 56755777 26/09/2004 Half Yearly 5593 25/09/2029 25 25 40 In Force 0 200000 0 11186 100674 178976 120000 248000 4.83% 132674 104000 31834 Liquidate Policy with Current Surrender Value 6 Regular Premium - Traditional Pension Plan LIC 0 Chhotubhai Patel 34545435 24/08/1995 Yearly 11000 23/08/2015 20 20 45 In Force 0 0 200000 11000 198000 22000 0 389000 5.16% 360000 342000 288032 Continue to Pay Premium up to Maturity 7 Single Premium - Traditional Life Insurance Plan LIC 0 0 22222222 08/07/2004 Single 0 07/07/2019 15 0 42 N.A. 0 150000 0 0 155000 0 37500 175800 3.93% 206700 0 152280 Liquidate Policy with Current Surrender Value 0 0 0 0 0 0 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 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 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
  • 56.
    Before Recommendation 5750000 25000 210000 350000 1340826 10.00% 7.94% 142000 138000 After Recommendation 75000 0 0 0 132903 62000 58000 Proposed Changes-Cash Flow -500000 0 -25000 -350000 -1207923 -80000 -80000 Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Policy Start Date Regular Premium Payment Frequency Mode Regular Insurance Premium Outflow Amount Maturity Date Maturity Period (In Years) Regular Premium Payment Term (In Years) Policy Status Attached Rider (if any) Sum Assured Amount Rs. Pension Plan Value Rs. Yearly Premium Outflow Total Amount Paid towards Premium Amt. Rs. Total Amount Payable towards Future Premium from Today Maturity Value Rs. Projected Growth Rate from today on ULIP / ULPP Effective Rate of Return (%) Current Valuation of Policy / Plan. Surrender Value of Policy / Plan - Rs. Liquidate? OR Continue? Make Policy Paid Up? Planner's Recommendation 1 Regular Premium - Unit Linked Insurance Plan HDFC Plan1 Samir Patel 23434433 26/09/2007 Yearly 25000 25/09/2027 20 20 In Force 0 500000 0 25000 150000 350000 1207923 10.00% 7.81% 80000 80000 Liquidate Policy with Current Surrender Value 2 Single Premium - Unit Linked Insurance Plan Bajaj Splan1 Ekta Patel 56577666 04/09/2010 Single 0 03/09/2020 10 0 N.A. 0 75000 0 0 60000 0 132903 10.00% 8.28% 62000 58000 Stay Invested & Continue 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0 0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
  • 57.
    25/02/2013 1066500 1460138393638 14.85% Date of Investment OR Start Date Present Investment Mode IF SIP OR SWP, Monthly Amt. of SIP OR SWP Total No. of Monthly Transaction through SIP OR SWP Investment Amount Rs. Price NAV Rs. Unit Alloted Dividend Recd. / SWP Amount Holder Name Folio No. Asset Class Scheme Type Scheme Primary Purpose Fund House Scheme Name Fund Category Fund Sub- Category No. of Units Current NAV Price Current Fund Value Rs. Net Profit / Loss CAGR (%) For >1 Year Abs. Ret. For <1 Year 31/10/2007 Lumpsum 0 0 25000 97.25 257.07 0 Samir Patel 4565464565 Equity Open Ended Growth Birla Birla Sun Life MIDCAP Fund-Growth Equity Diversified Mid & Small Cap 257.069 119.94 30833 5833 4.02% 25/02/2009 SIP Running -For General Goal 5000 48 240000 400.56 599.16 0 Samir Patel 4565465467 Equity Open Ended Growth Reliance Reliance Growth Fund-Growth Plan- Growth Option Equity Diversified Multi Cap 599.164 505.3754 302803 62803 11.04% 24/03/2011 STP Out 0 0 80000 18.90 4232.80 0 Samir Patel 464534888 Debt Open Ended Liquid HDFC HDFC Liquid Fund-GROWTH Debt -Liquid Liquid 4232.804 22.6564 95900 15900 9.85% 10/10/2007 Lumpsum 0 0 12500 259.98 48.08 0 Ekta Patel 345465777 Equity Open Ended Growth Birla Birla Sun Life Equity Fund-Plan B(Growth) Equity Diversified Multi Cap 48.081 278.57 13394 894 1.29% 24/03/2011 STP in 0 0 70000 12.12 5775.58 0 Samir Patel 8823434323 Equity Open Ended Growth HDFC HDFC MID-CAP OPPORTUNITIES FUND - Growth Option Equity Diversified Mid & Small Cap 5775.578 18.799 108575 38575 25.56% 04/01/2008 Lumpsum 0 0 72000 16.18 4449.39 0 Samir Patel 663665465 Equity Open Ended Growth DSP DSP BlackRock Equity Fund - Regular Plan - Growth Equity Diversified Multi Cap 4449.388 18.048 80303 8303 2.14% 27/07/2007 Lumpsum 0 0 18000 40.21 447.65 0 Samir Patel 965675675 Equity Open Ended Growth DSP DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth Equity -Thematic & Others Infrastructure 447.650 46.771 20937 2937 2.74% 23/08/2011 Lumpsum 0 0 25000 126.93 196.96 0 Samir Patel 96786776 Equity Open Ended ELSS ICICI ICICI Prudential Tax Plan - Regular Plan - Growth Equity Diversified Tax Planning 196.959 159.05 31326 6326 16.09% 14/04/2009 Lumpsum 0 0 76000 129.73 585.85 0 Ekta Patel 5475675676 Equity Open Ended Growth HDFC HDFC Equity Fund - Growth Option Equity Diversified Large & Mid Cap 585.852 296.876 173925 97925 23.84% 07/10/2011 Lumpsum 0 0 23500 94.58 248.47 0 Samir Patel 2342423323 Equity Open Ended Growth ICICI ICICI Prudential Dynamic - Regular Plan - Growth Equity Diversified Large & Mid Cap 248.467 117.0761 29090 5590 16.60% 24/07/2010 SIP Running -For Retirement 7500 31 232500 188.72 1232.00 0 Samir Patel 324324324 Hybrid Open Ended Balanced HDFC HDFC Prudence Fund - Growth Option Balanced Equity-oriented 1232.000 243.322 299773 67273 18.50% 10/10/2011 Lumpsum 0 0 45000 54.50 825.69 0 Samir Patel 345435435 Equity Open Ended ELSS SBI SBI MAGNUM TAXGAIN SCHEME 1993 - REGULAR PLAN- GROWTH Equity Diversified Tax Planning 825.688 67.56 55783 10783 16.83% 01/01/2009 SIP Running -For General Goal 3000 49 147000 154.74 950.00 0 Samir Patel 234432432 Equity Open Ended Growth HDFC HDFC Top 200 Fund - Growth Option Equity Diversified Large & Mid Cap 950.000 228.943 217496 70496 17.89% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00% 00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
  • 58.
    OR Price Data on: 01-Jan-13 Price Data on : Cash=> 0 Sr. No. (Optional) Investment Date NSE Symbol NSE Series BSE Stock Name Group Type Stock Name Quantity / No. of Stocks Purchase Cost / Average Cost Rs. Total Investment Value Rs. Current Price of Stock (Rs.) Total Market Value of Stock - (Rs.) Profit / Loss Amount - Rs. Abs. Return OR CAGR % Sale Qty. ( if any) Amount Rs. 1 22/12/2011 AJANTPHARM EQ 0 0 0 Ajanta Pharma 120 247 29640 385.00 46200 16560 45.63% 0 2 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 3 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 4 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 5 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 6 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 7 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 8 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 9 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 10 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 11 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 12 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 13 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 14 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 15 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 16 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 17 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 18 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 19 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 20 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 21 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 22 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 23 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 24 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 25 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 26 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 27 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 28 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0 Planner's AdviceTotal Value << Stock Portfolio Select Stock - NSE Select Stock - BSEPlan Date : N.A.25/02/2013 46200 Total Value >> Stock Portfolio 29640
  • 59.
    Liquidate Amt 331579 0 110000525100 441579 441579 80000 Available Balance : Existing 100010 95530 40% 176631 0 705110 90000 30% 132474 Existing Liquidate Amt 95900 30% 132474 From Physical Gold / Silver 200000 281430 100% 441579 From Properties 1000000 160149 From Retirement Fund 155000 From O/s. Receivables / Loan 25000 From O/s. Receivables / Loan 50000 0 544961 131300 131300 413661 Balance Allocated towards Investment A/c. - Rs. : 394679 18982 LT Direct Equity 46200 46200 ST Cash A/C. + SB A/c. Balance 95530 95530 81101 ML Large & Mid Cap 420511 420511 ST Bank Fixed Deposit : < 1 Year 90000 90000 42474 LT Mid & Small Cap 139408 108575 ST Liquid 95900 95900 36574 0 - to - 3 8% ML Multi Cap 396499 383106 114679 ST FMP 0 0 4 - to - 7 9% ML Tax Planning 87110 31326 ST Gilt Medium & Long Term 0 0 ML Large Cap 0 0 140000 ST Gilt Short Term 0 0 60000 LT Banking 0 0 ST Income 0 0 80000 LT FMCG 0 0 ST Short Term 0 0 Age : 60 LT Pharma 0 0 ST Ultra Short Term 0 0 Year : 2030 LT Technology 0 0 SM Debt-oriented Aggressive 0 0 Age : 80 LT Equity: Others 0 0 SM Debt-oriented Conservative 0 0 Year : 2050 LT Infrastructure 20937 20937 ST Arbitrage 0 0 LT International 0 0 SM Asset Allocation 0 0 ML Equity-oriented 299773 299773 SM Hybrid: Others 0 0 LT Public Provident Fund 174000 174000 LT Reg. Prem.-ULIP 80000 0 MT Post Office Rec.Deposit 107494 107494 LT Reg. Prem.-ULPP 0 0 331579 MT Post Office MIS 300000 300000 LT Single Prem.-ULIP 62000 62000 110000 MT Senior Citizen Savings Scheme 500000 500000 LT Single Prem.-ULPP 0 0 281430 SM Post Office - Time Deposits 47646 47646 LT Reg. Prem. -Tradi. Life Ins. 1554863 374465 ML National Savings Certificates 165798 165798 LT Reg. Prem. -TradI. Pension Plan 360000 360000 1203892 17% 1203892 LT Kisan Vikas Patra 109585 109585 LT Single Prem.-Tradi. Life Ins. 206700 0 LT Single Prem.-Tradi. Pension Plan 0 0 SM Income Bond's & NCD 300000 300000 SM Income -Co. FD's 0 0 LT Gold 0 0 SM Growth -Bond's & NCD 53171 53171 LT Gold /Silver 200000 200000 SM Growth -Co. FD's 0 0 SM Bank FDR > 1 Year 94006 94006 LT Real Estate 1000000 1000000 LT Retirement Fund 155000 155000 Cash Reconciliation, Asset Allocation & Portfolio RebalancingCash Reconciliation, Asset Allocation & Portfolio RebalancingCash Reconciliation, Asset Allocation & Portfolio RebalancingCash Reconciliation, Asset Allocation & Portfolio Rebalancing RiskAnalysisRiskAnalysisRiskAnalysisRiskAnalysis Ideal Asset Allocation - As per your Risk Profile - (Select Below) Aggregate Balanced - (Medium Risk) Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor Your risk analysis from above questionnaire Result of Risk Analysis Risk Capacity Medium Risk Behaviour Balanced - (Medium Risk) Liquid Available Balance Rs. Proposed Allocation Financial Concerns Inflation Very Concern Tax Relief/advantage Concern Safety/ Security Extremely Concern Liquidity Concern LifeInsuranceGoldCashDebtMutualFund PostOfficeSchemeBonds&FDR -160149 Cash -From Liquidation of Investments From Unit Linked Life Ins./ Pension Plan From Mutual Fund Portfolio From Stock Market Portfolio Net Cash Balance Amount Rs. : ( It should be = 0) From Traditional Life Ins./ Pension Plan Add: Less: For Loan - Additional Repayment Total Available Cash to utilise / OR / Re-Invest : From Fixed Return Scheme Portfolio For Current Year Need Total required Amt. Rs. Required - Cash & Equivalent Less: Cash A/C. + SB A/c. Balance Cash reqd. from Existing Portfolio Balanced ( Medium Risk ) For Allocation of Gold : For Allocation of Properties Minimum Portfolio Size of Rs. : 10000000 Scheme Particulars Existing Portfolio After Changes(-) After Changes(- ) Proposed Addition Existing Portfolio 12% Retirement : Life Expectacy : Post Retirement Rate of Return (%) Post Tax Rate of Return (%) 8% Period ( No. of Years ) upto Retirement.: Short Term Need Medium Term Need 8 - Year onwards Long Term Need 18 C/ F Balance from Cash & Equivalent 5235230 Total Value of Existing Investment as of today : Rs. 7162131 Future Need - Period breakup with required Rate of Return For Emergency Fund For Current Year Need Investment Allocation to be required as of today 10% 723009 Post Tax - Return Select 8 to 18 Years @12% & 19 years onwards - Post Retirement @8% Next 3 Years @8% 4 to 7 Years @9% Actual applicable to your Need as per following 523523073% For Short Term For Medium Term For Long Term For Emergency Fund Bank Fixed Deposit : < 1 Year Weightage / Allocation Scheme Particulars Existing Portfolio After Changes(- ) Proposed Addition Scheme Particulars Existing Portfolio After Changes(-) Proposed Addition EquityMutualFund Generating Income Not Concern Ease of Management Very Concern Investment Priorities Preserve Capital Some Extent Regular Income Not Priority Timely Goal Achievement Very Important Optimum Return Fairly Important Growth Over Time Fairly Important Maximum Growth Some Extent Scheme Particulars Proposed Addition For - Pre - Retirement Period : Period (Years) : Less: Balance Amount Available to Investment - Rs.: Cash, 4% Debt, 59% Equity, 20% Gold, 3% Properties, 14% Cash, 7% Debt, 49% Equity, 25% Gold, 3% Properties, 16% 0% 10% 20% 30% 40% 50% 60% 70% Existing V/s. Proposed Portfolio Existing Allocation Proposed Allocation Cash , 13% Debt, 32% Equity, 48% Gold, 7% Properties, 0% Cash , 4% Debt, 59% Equity, 20% Gold, 3% Properties, 14% 0% 10% 20% 30% 40% 50% 60% 70% Allocation - As per Risk Profie V/s. Existing Portfolio As Risk Profile -Ideal Existing 7% 73% 0% 21%15% 68% 0% 17% 0% 50% 100% Debt Equity Gold Hybrid Mutual Fund Allocation Existing Allocation Proposed Allocation
  • 60.
    1% 3% 21% 1% 5% 20% 32% 3% 14% 2% 3% 4% 29% 1% 6% 23% 13% 3% 16% 3% 0% 5% 10% 15% 20% 25% 30% 35% Cash Account BankFDR Mutual Funds Stock Market Bonds / NCD's & Co. FD's Post Office Scheme Life Insurance Physical Gold / Funds / ETF Properties Investment Retirement Fund Existing Allocation Proposed Allocation 0% 0% 7% 0% 71% 0% 0% 1% 0% 0% 21% 0% 0%0% 3% 7% 4% 59% 8% 0% 1% 0% 0% 17% 0% 0% 0% 10% 20% 30% 40% 50% 60% 70% 80% Debt -FMP Debt Govt. Sec. Debt -Liquid Debt -Short Term & Income Equity Diversified Equity Diversified /Index Fund Equity Sectoral Equity - Thematic & Others Gold Funds & ETF Asset Allocation & Others Balanced Debt Oriented - MIP & Asset Allo. Debt Oriented - MIP & Cap. Prot. MF Allocation Existing Allocation Proposed Allocation 4% 1% 18% 1% 26% 30% 2% 3% 14% 2% 7% 4% 23% 1% 30% 12% 1% 3% 16% 3% 0% 5% 10% 15% 20% 25% 30% 35% Cash - SB A/c./ ST FDR / Liquid Debt -Mutual Fund Equity - Mutual Fund Equity - Stock Market Debt - FD/Bonds/NCD/Post Debt - Life Insurance Equity - Life Insurance Gold - Funds /ETF / Physical Properties Investment Retirement Fund Existing Allocation Proposed Allocation 4% 7% 13% 19% 57% 9% 8% 15% 25% 42% 0% 10% 20% 30% 40% 50% 60% 70% Short Term Short / Medium Term Medium Term Medium / Long Term Long Term Existing Proposed 4% 0% 7% 13% 4% 36% 15% 5% 3% 14% 7% 2% 8% 15% 4% 19% 21% 4% 3% 16% 0% 5% 10% 15% 20% 25% 30% 35% 40% Short Term Short Term Short / Medium Term Medium Term Medium / Long Term Long Term Medium / Long Term Long Term Long Term Long Term CashDebtDebtDebtDebtDebtEquityEquityGold Proper ties Existing Proposed
  • 61.
    Current Value 3091056% 490,950 132474 6% 182,400 140000 8% 321,386 46200 18% 994,736 1198197 15% For Months 0 15% 0 15% 20937 15% 299773 13% 0 10% 0 9% 0 8% 2146686 12.37% 0 - to - 3 8% 581579 27% 11.12% 4 - to - 7 9% 1389395 65% 11.15% 175712 8% 12.00% Total : 2146686 100.00% 11.12% Note : Age : 60 Year : 2030 Age : 80 Year : 2050 Select : #N/A Planner's Note Investment Priorities Retirement : Post Retirement Rate of Return (%) Post Tax Rate of Return (%) If retirement period is fall in Short / Medium Term Period, Long Term Return Rate is automatically replaced by Post Retirement Rate of Return. Please check first, how much year left to retirement. Preserve Capital Some Extent Life Expectacy : 8% Regular Income Not Priority Timely Goal Achievement Very Important Optimum Return Fairly Important Retirement Cash Flow - With Accumulation & Consumption. Growth Over Time Fairly Important Maximum Growth Some Extent Period ( No. of Years ) upto Retirement.: 18 Short Term Need Short to Medium Term Liquidity Concern Medium Term Need Medium to Long Term Generating Income Not Concern Long Term Need 12% Long Term Funds Ease of Management Very Concern 8 - Year onwards Safety/ Security Extremely Concern Total Amount & Weighted Avg. Return Financial Concerns Future Need - Period breakup with required Rate of Return Post Tax Rate of Return - Assumption Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund) Existing Portfolio Portfolio Weightage Expected Wighted Average Return (%) Inflation Very Concern For - Pre - Retirement Period : Period (Years) : Post Tax - Return SelectTax Relief/advantage Concern Equity - Diversified Advice to kept emergency fund in Cash or Equivalent for the Month Nos. >>>> 331579 Equity - Diversified -ELSS 4 Equity - Sectoral Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor Equity - Thematic & Others Hybrid Fund - Balanced Also required fund in Cash & Equivalent for Current Year Requirements ( If any) Total Amount to be required in Current Year ( i.e. in Year ) 110000 Hybrid Fund - Asset Allocation/Others Hybrid Fund - MIP Gold Funds / ETF Goal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation Calculation of Required Emergency Fund. RiskAnalysis Finding from Your Risk Analysis Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund) Existing Portfolio Expected Return (%)Result of Risk Analysis Emergency Fund - Should be kept in form of Cash & Equivalent Particulars Risk Capacity Medium Cash / S.B. A/c. / Bank FDR <1 Year Regular Expenses Debt -Liquid Loan EMI Amount Risk Behaviour Balanced - (Medium Risk) Debt -Short Term, Income & G. Sec. Regular Investment Commitment Direct Equity Total Yearly Outflow Amount Rs. Aggregate Balanced - (Medium Risk) With Proposed Investment Portfolio
  • 62.
    Age at Goal Start PresentCost of Goal OR Target Goal Amount Inflation Effect - Present Goal Amount will rise @%wise OR Amt.wise Period ( Years) available for Regular Investments Fund to be required in Period OR Year Fund to be required for No. of Years Goal Priority Wants to include OR Calculate your Goal Amt. with Current Cash Flow? If Goal Selection is "Yes", Goal Funding from Assets Liquidation / Future Loan? Future Goal - Amount to be required Rs. Goal Funding Amt. from Assets Liquidation / Future Loans - Rs. Goal Funding Amount through Financial Investment A/c. Total Possible Goal Achievement Amt. Rs. Shortfall in Goal Amt. Rs. Possible Goal Achievement %wise Shortfall in Goal %wise Child Age % OR/ Amt,wise 0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0% 12 25000 10.00% 1 2014 - To - 2016 3 High Yes N.A. 91025 0 91025 91025 0 100% 0% 15 65000 10.00% 4 2017 - To - 2020 4 High Yes N.A. 441668 0 441668 441668 0 100% 0% 19 100000 10.00% 8 2021 - To - 2023 3 High Yes N.A. 709528 0 709528 709528 0 100% 0% 22 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 25 600000 6.00% 14 2027 1 High Yes Yes 1356542 271308 1085234 1356542 0 100% 0% Child Age 4015335 271308 3744027 4015335 0 100% 0% 0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0% 9 25000 10.00% 1 2014 - To - 2019 6 High Yes N.A. 212179 0 212179 212179 0 100% 0% 15 65000 10.00% 7 2020 - To - 2023 4 High Yes N.A. 587860 0 587860 587860 0 100% 0% 19 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0% 22 200000 10.00% 14 2027 - To - 2029 3 High Yes N.A. 2513944 0 2513944 2513944 0 100% 0% 25 2000000 5.00% 17 2030 1 High Yes Yes 4584037 3438027 1146009 4584037 0 100% 0% 28 500000 5.00% 17 2033 1 High Yes Yes 1326649 928654 397995 1326649 0 100% 0% Your Age 10641241 4366682 6274559 10641241 0 100% 0% 48 4000000 6.00% 5 2018 1 High Yes Yes 5352902 4014677 1338226 5352902 0 100% 0% 50 950000 8.00% 7 2020 1 Medium Yes Yes 1628133 488440 1139693 1628133 0 100% 0% 52 50000 8.00% 9 2022 1 High Yes Yes 99950 0 99950 99950 0 100% 0% 55 60000 8.00% 12 2025 1 High Yes Yes 151090 75545 75545 151090 0 100% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% Your Age 7232076 4578662 2653414 7232076 0 100% 0% 60 6984881 0 17 2030 1 High Yes 70663066 0 11669640 11669640 58993426 17% 83% 60 100000 10.00% 17 2030 1 High Yes 505447 0 505447 505447 0 100% 0% 60 10000000 5.00% 17 2030 1 High Yes 22920183 0 22920183 22920183 0 100% 0% 60 50000 6.00% 17 2030 1 Low Yes 134639 0 134639 134639 0 100% 0% 60 100000 6.00% 17 2030 1 Optional Yes 269277 0 269277 269277 0 100% 0% Your Age 94492612 35499186 35499186 58993426 38% 62% 62 5000000 6.00% 17 2032 1 Optional Yes Yes 15127998 0 15127998 15127998 0 100% 0% 67 5000000 17 2037 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100% 50 25000 6.00% 7 2020 - To - 2032 Every 3 Year Medium Yes Yes 274834 0 274834 274834 0 100% 0% 62 50000 6.00% 17 2032 - To - 2050 Every 3 Year 0 Yes Yes 1468591 0 331457 331457 1137134 23% 77% 0 0 0 0 Yes Yes 0 0 0 0 0 0% 0% 21871422 0 15734288 15734288 6137134 72% 28% 138252686 9216652 63905475 73122126 65130560 53% 47% FutureFinancial Goal Future Dreams Dream - Fund for - Buying A Farm House Dream - Fund for - Create Wealth Dream - Fund for - Domestic Tour Dream - Fund for - Long Tour Retirement Corpus & Provision Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Fund for -- Marriage Expenses FutureFinancial Goal Future Need Need - Fund for - Buying a New House Need - Fund for - New Motor Car Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike Goal SelectionGoal SelectionGoal SelectionGoal Selection Financial Goal Particulars ChildFuturePlanning Planning For- Nikunj Patel Fund for -- Pre-Primary & Primary Education Fund for -- Secondary & Higher Sec. Education Fund for -- Graduation & Higher Education Fund for -- Post Graduation & Master Degree Fund for -- For start in life After calculating with your actual cash flow Planning For- Ankita Patel Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Fund for - Marriage Expenses Retirement Planning
  • 63.
    Sr. No. YearSamir Patel Ekta Patel Ankita Patel Nikunj Patel Self Income Spouse Income Agriculture Income (if any) Other Income Total Income Total Expenses Surplus (Basic Cash Flow) Total Loan Repayment Amount Rs. Loan Repayment For Future Goal Amount Rs. Net Surplus for Savings / Investment Regular Investment Commitment (Outflow) Net Balance ( + / - ) @Each Year Ended 0 2013 43 38 11 8 562690 203370 165000 5000 936060 445656 490404 97000 393404 201500 191904 1 2014 44 39 12 9 630472 231883 189000 6000 1057355 524870 532485 116400 0 416085 241553 174532 2 2015 45 40 13 10 659635 242058 198450 56000 1156143 566726 589417 86600 0 502817 234453 268364 3 2016 46 41 14 11 684401 253699 208373 0 1146472 612001 534471 24129 0 510341 253653 256688 4 2017 47 42 15 12 709417 266959 218791 39338 1234505 660982 573524 0 0 573524 272853 300671 5 2018 48 43 16 13 737042 279222 229731 0 1245995 713979 532016 0 125253 406763 292053 114710 6 2019 49 44 17 14 765433 292097 241217 0 1298747 771330 527417 0 125253 402165 305253 96912 7 2020 50 45 18 15 794647 305628 253278 0 1353553 833401 520152 0 235206 284946 318453 -33507 8 2021 51 46 19 16 824982 319820 265942 0 1410744 900590 510154 0 235206 274948 331653 -56705 9 2022 52 47 20 17 856846 334732 279239 0 1470817 973330 497487 0 235206 262281 340053 -77772 10 2023 53 48 21 18 972688 366501 293201 0 1632391 1052090 580300 0 235206 345094 346053 -959 11 2024 54 49 22 19 1007817 384826 307861 0 1700504 1137382 563123 0 235206 327917 352053 -24136 12 2025 55 50 23 20 1044693 404068 323254 0 1772014 1229758 542256 0 125253 417003 358053 58950 13 2026 56 51 24 21 1084330 424271 339417 0 1848018 1329824 518194 0 125253 392941 364053 28888 14 2027 57 52 25 22 1126276 445485 356388 0 1928148 1438234 489914 0 125253 364661 370053 -5392 15 2028 58 53 26 23 1170311 467759 374207 0 2012277 1555700 456576 0 0 456576 370053 86523 16 2029 59 54 27 24 1216551 491147 392917 0 2100616 1682999 417617 0 0 417617 360000 57617 17 2030 60 55 28 25 1265100 514087 412563 0 2191750 1820972 370778 0 0 370778 360000 10778 18 2031 61 56 29 26 0 537215 0 0 537215 0 537215 0 0 537215 0 537215 19 2032 62 57 30 27 0 561498 0 0 561498 0 561498 0 0 561498 0 561498 20 2033 63 58 31 28 0 587001 0 0 587001 0 587001 0 0 587001 0 587001 21 2034 64 59 32 29 0 613781 0 0 613781 0 613781 0 0 613781 0 613781 22 2035 65 60 33 30 0 641889 0 0 641889 0 641889 0 0 641889 0 641889 23 2036 66 61 34 31 0 0 0 0 0 0 0 0 0 0 0 0 24 2037 67 62 35 32 0 0 0 0 0 0 0 0 0 0 0 0 25 2038 68 63 36 33 0 0 0 0 0 0 0 0 0 0 0 0 26 2039 69 64 37 34 0 0 0 0 0 0 0 0 0 0 0 0 27 2040 70 65 38 35 0 0 0 0 0 0 0 0 0 0 0 0 28 2041 71 66 39 36 0 0 0 0 0 0 0 0 0 0 0 0 29 2042 72 67 40 37 0 0 0 0 0 0 0 0 0 0 0 0 30 2043 73 68 41 38 0 0 0 0 0 0 0 0 0 0 0 0 31 2044 74 69 42 39 0 0 0 0 0 0 0 0 0 0 0 0 32 2045 75 70 43 40 0 0 0 0 0 0 0 0 0 0 0 0 33 2046 76 71 44 41 0 0 0 0 0 0 0 0 0 0 0 0 34 2047 77 72 45 42 0 0 0 0 0 0 0 0 0 0 0 0 35 2048 78 73 46 43 0 0 0 0 0 0 0 0 0 0 0 0 36 2049 79 74 47 44 0 0 0 0 0 0 0 0 0 0 0 0 37 2050 80 75 48 45 0 0 0 0 0 0 0 0 0 0 0 0 38 2051 81 76 49 46 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 50 47 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 51 48 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 52 49 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 53 50 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 54 51 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 55 52 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 56 53 0 0 0 0 0 0 0 0 0 0 0 0 46 2059 89 84 57 54 0 0 0 0 0 0 0 0 0 0 0 0 47 2060 90 85 58 55 0 0 0 0 0 0 0 0 0 0 0 0 48 2061 91 86 59 56 0 0 0 0 0 0 0 0 0 0 0 0 49 2062 92 87 60 57 0 0 0 0 0 0 0 0 0 0 0 0 50 2063 93 88 61 58 0 0 0 0 0 0 0 0 0 0 0 0 Age :
  • 64.
    Sr. No. YearSamir Patel Ekta Patel 0 2013 43 38 92667 0 92667 0 0 78057 78057 170723 0 170723 1 2014 44 39 27500 27500 0 0 55000 79600 0 79600 37500 0 427244 464744 544344 0 0 55000 544344 2 2015 45 40 30250 30250 0 0 60500 68350 0 68350 690500 0 500000 1190500 1258850 0 0 60500 1258850 3 2016 46 41 33275 33275 0 0 66550 12367 0 12367 0 0 776380 776380 788747 0 0 66550 788747 4 2017 47 42 95167 36603 0 0 131769 0 0 0 75000 0 86446 161446 161446 0 0 131769 161446 5 2018 48 43 104683 40263 5352902 4014677 1483171 0 0 0 0 0 0 0 0 0 0 1483171 0 6 2019 49 44 115151 44289 0 0 159440 0 0 0 0 0 0 0 0 0 0 159440 0 7 2020 50 45 126667 126667 1665724 488440 1430617 0 0 0 0 132903 0 132903 132903 0 0 1430617 132903 8 2021 51 46 214359 139333 0 0 353692 0 0 0 0 0 0 0 0 0 0 353692 0 9 2022 52 47 235795 153267 99950 0 489012 0 0 0 0 0 0 0 0 0 0 489012 0 10 2023 53 48 259374 168593 44771 0 472739 0 0 0 0 0 0 0 0 0 0 472739 0 11 2024 54 49 427968 427968 0 0 855935 0 0 0 0 0 0 0 0 0 0 855935 0 12 2025 55 50 470764 470764 151090 75545 1017074 0 0 0 0 0 0 0 0 0 0 1017074 0 13 2026 56 51 517841 517841 53323 0 1089005 0 0 0 0 0 0 0 0 0 0 1089005 0 14 2027 57 52 1356542 759500 0 271308 1844734 0 0 0 0 0 0 0 0 0 0 1844734 0 15 2028 58 53 0 835450 0 0 835450 0 0 0 0 0 0 0 0 0 0 835450 0 16 2029 59 54 0 918995 63509 0 982503 0 0 0 368000 0 0 368000 368000 0 0 982503 368000 17 2030 60 55 0 4584037 0 3438027 1146009 0 0 0 0 0 0 0 0 0 0 1146009 0 18 2031 61 56 0 0 0 0 0 0 0 0 0 0 0 0 0 25179293 15176675 25179293 15176675 19 2032 62 57 0 0 15354917 0 15354917 0 0 0 0 0 0 0 0 1485272 0 16840190 0 20 2033 63 58 0 1326649 0 928654 397995 0 0 0 0 0 0 0 0 1631542 0 2029536 0 21 2034 64 59 0 0 0 0 0 0 0 0 0 0 0 0 0 1789430 0 1789430 0 22 2035 65 60 0 0 180177 0 180177 0 0 0 0 0 0 0 0 1959888 0 2140064 0 23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 0 0 2143941 0 2143941 0 24 2037 67 62 0 0 5000000 0 5000000 0 0 0 0 0 0 0 0 2342706 0 7342706 0 25 2038 68 63 0 0 214594 0 214594 0 0 0 0 0 0 0 0 2557391 0 2771985 0 26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0 0 2789306 0 2789306 0 27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 0 0 3039872 0 3039872 0 28 2041 71 66 0 0 255584 0 255584 0 0 0 0 0 0 0 0 3310629 0 3566214 0 29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3603250 0 3603250 0 30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3919547 0 3919547 0 31 2044 74 69 0 0 304405 0 304405 0 0 0 0 0 0 0 0 4261488 0 4565893 0 32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 0 0 4631207 0 4631207 0 33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 0 0 5031022 0 5031022 0 34 2047 77 72 0 0 362551 0 362551 0 0 0 0 0 0 0 0 5463447 0 5825998 0 35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5931213 0 5931213 0 36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 0 0 6437285 0 6437285 0 37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6984881 0 6984881 0 38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41 2054 84 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 42 2055 85 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 43 2056 86 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 44 2057 87 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45 2058 88 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Amount Of Future Need / Dreams / Retirement Need Etc. Total Inflow throgh Maturity Proceeds & Investment Income, Retirement Fund Etc. Regular Income from Debt Investment (Other than MF) Mutual Fund Regular Withdrawal (SWP) Total Income / Maturity Proceeds Amount from Traditional Plan Total Income / Maturity Proceeds Amount from Unit Linked Plan Total Amount of Maturity Proceeds from Postal Schemes / Bonds - NCD / FDR Aggregate Amt. of Need & Fund Child Future Planning - Future Need for Ankita Patel Child Future Planning - Future Need for Nikunj Patel Future Financial Need & Dream Total Amount of Goal Funding to be from Sale of Assets & Future Loan - Rs. Net Amount to be required from Financial Investment Portfolio - Rs. Income from Investment Total inflow through Interest / Sys. Withdrawal from Investment Account Inflow through Maturity Proceeds. Investments Account Total inflow through Maturity proceeds of Investment Account Summary Data - For Child Future Need / Other Future Need & Dreams / Retirement Needs & Funds available through Maturity proceeds of Investment / Interest Income & Retirement Benefit / PPF A/c. Etc. Required Net Total Amount of Goal Funding (Other than Retirement Need) Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Investments. ( For Other than Retirement Need ) Retirement Need Total Inflow - Investment Income & Maturity Proceeds of Investment Account Total Amount - Post Retirement Expenses & Funding Need - Rs. Retirement Benefit / Investment Maturity proceeds of Retirement Account
  • 65.
    Year Sr. No. upto Retireme nt Year Age Opening Balance (Investments in Direct Equity & MF) ( 1 ) C/F - Cash - Net Balance - From Earning Cash Flow ( 2 ) Inflow of Maturity Amount (See Annexure ) ( 3 ) Net Flow During the Year (4) (2+3) Available Balance for Funding ( 5 ) (1+4) Fund Require for - Future Financial Need / Goals ( 6 ) Balance After Fundings ( 7 ) ( 5-6 ) Opening Balance of SIP A/c. at Each Year ( 8 ) Possible Goal fundings from SIP Corpus ( 9 ) ( 8-7) SIP Balance After Fundings ( 10 ) ( 8-9) Outstanding / Shortfall of Goal Amount ( 11 ) ( 7-9) Weighted Average Rate of Return (12) Return on Balance Amount (13) ( 7 x 12) Closing Balance ( On Cash Basis) (14) (7+13) Possible Goal Achievement (Financial Investment) Amt. Rs. Possible Goal Achievement %wise Shortfall in Goal Amt. Rs. Shortfall in Goal %wise Primary Cash Flow Shortfall 0 2013 43 2146686 0 170723 170723 2317409 110000 2207409 0 0 94883 0 0.00% 0 2207409 63905475 50% 65130560 50% 0 1 2014 44 2207409 191904 544344 736248 2943658 55000 2888658 94883 0 228628 0 11.12% 321266 3209924 55000 100% 0 0% 0 2 2015 45 3209924 174532 1258850 1433382 4643306 60500 4582806 228628 0 398196 0 11.12% 509683 5092489 60500 100% 0 0% 0 3 2016 46 5092489 268364 788747 1057111 6149600 66550 6083050 398196 0 609347 0 11.12% 676535 6759585 66550 100% 0 0% 0 4 2017 47 6759585 256688 161446 418134 7177719 131769 7045950 609347 0 868764 0 11.15% 785640 7831590 131769 100% 0 0% 0 5 2018 48 7831590 300671 0 300671 8132261 1483171 6649089 868764 0 1184207 0 11.15% 741389 7390479 1483171 100% 0 0% 0 6 2019 49 7390479 114710 0 114710 7505189 159440 7345749 1184207 0 1564681 0 11.15% 819069 8164817 159440 100% 0 0% 0 7 2020 50 8164817 96912 132903 229814 8394631 1430617 6964014 1564681 0 2020643 0 11.15% 776504 7740519 1430617 100% 0 0% 0 8 2021 51 7740519 -33507 0 -33507 7707012 353692 7353319 2020643 0 2564225 0 12.00% 882398 8235718 353692 100% 0 0% 0 9 2022 52 8235718 -56705 0 -56705 8179013 489012 7690002 2564225 0 3204305 0 12.00% 922800 8612802 489012 100% 0 0% 0 10 2023 53 8612802 -77772 0 -77772 8535030 472739 8062291 3204305 0 3953791 0 12.00% 967475 9029766 472739 100% 0 0% 0 11 2024 54 9029766 -959 0 -959 9028807 855935 8172872 3953791 0 4830272 0 12.00% 980745 9153617 855935 100% 0 0% 0 12 2025 55 9153617 -24136 0 -24136 9129480 1017074 8112407 4830272 0 5854161 0 12.00% 973489 9085896 1017074 100% 0 0% 0 13 2026 56 9085896 58950 0 58950 9144846 1089005 8055841 5854161 0 7049156 0 12.00% 966701 9022542 1089005 100% 0 0% 0 14 2027 57 9022542 273286 0 273286 9295828 1844734 7451094 7049156 0 8442762 0 12.00% 894131 8345226 1844734 100% 0 0% 0 15 2028 58 8345226 -5392 0 -5392 8339834 835450 7504385 8442762 0 10060396 0 12.00% 900526 8404911 835450 100% 0 0% 0 16 2029 59 8404911 86523 368000 454523 8859434 982503 7876931 10060396 0 11938073 0 12.00% 945232 8822163 982503 100% 0 0% 0 17 2030 60 8822163 57617 0 57617 8879779 1146009 7733770 11938073 0 14117594 0 12.00% 928052 8661823 1146009 100% 0 0% 0 18 2031 61 8661823 10778 15176675 15187453 23849276 25179293 -1330017 21077161 1330017 19747144 0 8.00% 1579771 21326915 25179293 100% 0 0% 0 0 2032 62 21326915 537215 0 537215 21864130 16840190 5023940 0 0 0 0 8.00% 401915 5425855 16840190 100% 0 0% 0 0 2033 63 5425855 1180718 0 1180718 6606573 2029536 4577037 0 0 0 0 8.00% 366163 4943199 2029536 100% 0 0% 0 0 2034 64 4943199 587001 0 587001 5530200 1789430 3740770 0 0 0 0 8.00% 299262 4040032 1789430 100% 0 0% 0 0 2035 65 4040032 613781 0 613781 4653813 2140064 2513748 0 0 0 0 8.00% 201100 2714848 2140064 100% 0 0% 0 0 2036 66 2714848 641889 0 641889 3356737 2143941 1212796 0 0 0 0 8.00% 97024 1309820 2143941 100% 0 0% 0 0 2037 67 1309820 0 0 0 1309820 7342706 -6032887 0 0 0 6032887 8.00% 0 0 1309820 18% 6032887 82% 0 0 2038 68 0 0 0 0 0 2771985 -2771985 0 0 0 2771985 8.00% 0 0 0 0% 2771985 100% 0 0 2039 69 0 0 0 0 0 2789306 -2789306 0 0 0 2789306 8.00% 0 0 0 0% 2789306 100% 0 0 2040 70 0 0 0 0 0 3039872 -3039872 0 0 0 3039872 8.00% 0 0 0 0% 3039872 100% 0 0 2041 71 0 0 0 0 0 3566214 -3566214 0 0 0 3566214 8.00% 0 0 0 0% 3566214 100% 0 0 2042 72 0 0 0 0 0 3603250 -3603250 0 0 0 3603250 8.00% 0 0 0 0% 3603250 100% 0 0 2043 73 0 0 0 0 0 3919547 -3919547 0 0 0 3919547 8.00% 0 0 0 0% 3919547 100% 0 0 2044 74 0 0 0 0 0 4565893 -4565893 0 0 0 4565893 8.00% 0 0 0 0% 4565893 100% 0 0 2045 75 0 0 0 0 0 4631207 -4631207 0 0 0 4631207 8.00% 0 0 0 0% 4631207 100% 0 0 2046 76 0 0 0 0 0 5031022 -5031022 0 0 0 5031022 8.00% 0 0 0 0% 5031022 100% 0 0 2047 77 0 0 0 0 0 5825998 -5825998 0 0 0 5825998 8.00% 0 0 0 0% 5825998 100% 0 0 2048 78 0 0 0 0 0 5931213 -5931213 0 0 0 5931213 8.00% 0 0 0 0% 5931213 100% 0 0 2049 79 0 0 0 0 0 6437285 -6437285 0 0 0 6437285 8.00% 0 0 0 0% 6437285 100% 0 0 2050 80 0 0 0 0 0 6984881 -6984881 0 0 0 6984881 8.00% 0 0 0 0% 6984881 100% 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 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 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 Financial Investment Portfolio Cash Flow with Goal MappingFinancial Investment Portfolio Cash Flow with Goal MappingFinancial Investment Portfolio Cash Flow with Goal MappingFinancial 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
  • 66.
    Required Amount Rs. Required Lumpsum Investment Required Amount Rs. Required Lumpsum Investment Required AmountRs. Required Lumpsum Investment Required Monthly Investment Required Amount Rs. Required Lumpsum Investment Required Monthly Investment Required Amount Rs. Required Lumpsum Investment Required Regular Investment Required Amount Rs. Required Lumpsum Investment Required Regular Investment Monthly Monthly 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25000 1 / 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 65000 4 / 4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 100000 8 / 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 150000 11 / 3 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 600000 14 / 1 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 0 0 0 0 25000 1 / 6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 65000 7 / 4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 150000 11 / 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 200000 14 / 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2000000 17 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 500000 17 / 1 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 4000000 5 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 950000 7 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50000 9 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 60000 12 / 1 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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6984881 17 / 1 0 0 0 0 0 0 0 0 0 0 65202652 3313709 33291 58993426 2726013 27387 100000 17 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10000000 17 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50000 17 / 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 100000 17 / 1 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 65202652 3313709 33291 58993426 2726013 27387 5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 580175 69857 486 0 0 0 5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 5000000 409735 2853 5000000 409735 2853 250007 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 75640 9108 63 0 0 0 50000 17 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 1468591 95431 665 1137134 59994 418 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 7124406 584131 4068 6137134 469729 3271 0 0 0 0 0 0 0 0 0 0 72327058 3897840 37359 65130560 3195742 30658 Future Dreams Buying A Farm House Create Wealth Domestic Tour Long Tour 0 Retirement Corpus & Provision Funds to be required to provide regular expenses from Retirement year onwards. For Medical Exp. Lumpsum Need For Tour - Yatra For Donation Future Need Buying a New House New Motor Car New Activa Scooter for Ankita New Motor Bike 0 0 Marriage Expenses Planning For- Nikunj Patel 0 Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree For start in life Marriage Expenses For Shortfall ( Before Recommendation ) For Shortfall ( After Recommendation ) Planning For- Ankita Patel 0 Pre-Primary & Primary Education Secondary & Higher Sec. Education Graduation & Higher Education Post Graduation & Master Degree 0 Selected Financial Goal Present Cost of Goal OR Target Goal Amount Today onwards - available years for Regular Investment & Funds requirement for No. of Years For Short Term Need - Next 3 Years -Investment required @ 8% For Medium Term Need -4 to 7 Years - Investment required @9% For Long Term Need -8 to 18 Years - Investment required @12% & 19 years onwards - Post Retirement @8% For Shortfall (Before Recommendation) For Shortfall ( After Recommendation) For Shortfall ( Before Recommendation ) For Shortfall ( After Recommendation ) Financial Goalwise - Investment Need for Goal Shortfall ( Before Recommendation & After Recommendation)Financial Goalwise - Investment Need for Goal Shortfall ( Before Recommendation & After Recommendation)Financial Goalwise - Investment Need for Goal Shortfall ( Before Recommendation & After Recommendation)Financial Goalwise - Investment Need for Goal Shortfall ( Before Recommendation & After Recommendation)
  • 67.
    0% 0% 0%0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 0% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 0% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 0% 0% 0% 0% 0% 0% 0% 0% 100% 0% 100% 0% 8% 92% 17% 83% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 100% 0% 31% 69% 38% 62% 96% 4% 100% 0% 0% 100% 0% 100% 72% 28% 100% 0% 0% 100% 23% 77% 0% 0% 0% 0% 67% 33% 72% 28% 48% 52% 53% 47% Financial Goal Gap Analysis Possible Goal Achievement %wise Shortfall in Goal %wise Before Recommendation After Recommendation Retirement Corpus & Provision Funds to be required to provide regular expenses from Retirement year onwards. Retirement Need Provision - For Medical Exp. Retirement Need Provision - Lumpsum Need Retirement Need Provision - For Tour - Yatra Retirement Need Provision - For Donation Aggregate : FutureFinancial Goal Future Dreams Dream - Fund for - Buying A Farm House Dream - Fund for - Create Wealth Dream - Fund for - Domestic Tour Dream - Fund for - Long Tour Retirement Planning FutureFinancial Goal Future Need Need - Fund for - Buying a New House Need - Fund for - New Motor Car Need - Fund for - New Activa Scooter for Ankita Need - Fund for - New Motor Bike Financial Goal Particulars Possible Goal Achievement %wise Shortfall in Goal %wise ChildFuturePlanning Planning For- Ankita Patel Fund for - Pre-Primary & Primary Education Fund for - Secondary & Higher Sec. Education Fund for - Graduation & Higher Education Fund for - Post Graduation & Master Degree Fund for - Marriage Expenses Planning For- Nikunj Patel Fund for -- Pre-Primary & Primary Education Fund for -- Secondary & Higher Sec. Education Fund for -- Graduation & Higher Education Fund for -- Post Graduation & Master Degree Fund for -- For start in life Fund for -- Marriage Expenses 0 500000 1000000 1500000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 1000000 2000000 3000000 4000000 5000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 2000000 4000000 6000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0% 20% 40% 60% 80% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0 10000000 20000000 30000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds Funds to be required 0 10000000 20000000 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0% 50% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds 0% 50% 100% 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2034 2036 2038 2040 2042 2044 2046 2048 2050 Funds to be available Shortfall in Funds
  • 68.
    Before Recommendation After Recommendation Before Recommendation After Recommendation 55000 60500 66550 131769 1483171 159440 1430617 353692 489012 472739 855935 1017074 1089005 1844734 835450 982503 1146009 25179293 16840190 2029536 1789430 2140064 2143941 7342706 2771985 2789306 3039872 3566214 3603250 3919547 4565893 4631207 5031022 5825998 5931213 6437285 6984881 0 5000000 10000000 15000000 20000000 25000000 30000000 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 Yearwise Amountwise GoalGap Analysis Shortfall in Funds Funds to be available Funds to be required 0% 20% 40% 60% 80% 100% 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 Yearwise %wise Goal Gap Analysis Shortfall in Funds Funds to be available 55000 60500 66550 131769 1483171 159440 1430617 353692 489012 472739 855935 1017074 1089005 1844734 835450 982503 1146009 25179293 16840190 2029536 1789430 2140064 2143941 7342706 2771985 2789306 3039872 3566214 3603250 3919547 4565893 4631207 5031022 5825998 5931213 6437285 6984881 0 5000000 10000000 15000000 20000000 25000000 30000000 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 Yearwise Amountwise Goal Gap Analysis Shortfall in Funds Funds to be available Funds to be required 0% 20% 40% 60% 80% 100% 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 Yearwise %wise Goal Gap Analysis Shortfall in Funds Funds to be available