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8.16%
50000
50000
50000
50000
50000
50000
130000
130000
130000
130000
130000
130000
258100
258100
258100
258100
258100
258100
463200
463200
413226.42
413226.42
413226.42
413226.42
741598.12364055
741598.12364055
569774.270731045
540070.398797199
511915.069949952
485227.554454931
825417.251565023
782386.02044078
3714790.56593893

after 6 yrs

300000
503130

After 7 yrs

548411.7

After 8 yrs

597768.8

After 9 yrs

651568

After 10 yrs
0.95%
($18,764.41)

710209.1

0
0
0
0
474651
517370
563933
614687
670009
1276413

Current Exp.
Inflation
Return
Present Age
Retirement Age
Life Expectency
Monthly effective Real Rate with 8% return
Monthly effective Real Rate with 9% return
FV of Present exp.
Retirment Corpus at 8%
Retirment Corpus at 9%
Trust Money after 10 yrs
Estate Money after 25 yrs

55000
5.50%
8.00%
34
60
25
0.0019535953
0.002723446
221272.0910287
50294015.201
45440544.93239
10000000
10000000
4224108.068957
1159678.355546
50824331.35689
-530316.1558969
-4572958.987814
5427041.012186

Yr
Div.
2007-08
2008-09
2009-10
2010-11
2011-12
Current NAV

Units
18%
20%
18%
17%

3500
328.9817
381.7529
359.0394
356.1951

NAV

Cost
CII
18.27
63945
19.15
6300
20.06 7657.963
21.11 7579.322
21.81 7768.616
22.16

Index cost
551 91101.32
582 8497.423
632 9511.869
711 8368.169
785

Sale ConsidLTCG
STCG
77560 -13541.32
7290.235 -1207.188
8459.645 -1052.225
7956.314 -411.8551
7893.284
124.6683
-16212.58

Present Corpus
Return
Mly Effe
Current age
Rs. 5000 till age
No. of yrs
FV
Rs. 7500 till age 40
Rs. 10000 till age 50
Rs. 15000 till 56
Corpus at age 57

At 58 years age
at 59 yrs age
At age 60 yrs

160000
9%
0.72%
31
35
4
513441.10766437
1354528.9907495
5117522.9002334
10001946.628321
10902121.82487
Eq
Liquid
8176591.3686524 2725530.5
8912484.5918311 2875434.6
6684363.4438734 2228121.1
7285956.153822 5384251.3
5464467.1153665
1821489
5956269.1557495 7602056.1
13558325

LIFE INSURANCE COVER: You estimate life cover for your client who is 32 years old, has Rs. 25 lakh
years. Additionally, the client wants higher education for each of his children Rs. 30 lakh after 15 y
costs. Their present household expenses are Rs. 50,000 per month which includes housing loan EM
for 30 years' living expenses after the spouse's age of 55 considering she would require only 60% o
financial investments are Rs. 15 lakh. The additional quantum of life insurance cover is _____. (Assu
claim amount invested to yield 8% p.a.)
Rate of Return
8%
Real Rate ( Monthly Effective)
0.0023503308
Real Rate ( annual)
0.0285714286
Outstanding Loan
2500000
PV of Eduction Cost for 2 Children
Pv of such cost with real rate

6000000
3932189.182676

PV Marriage exp. For 2 children


Pv of such cost with real rate

3000000
1707780.799044

Net Monthly Exp. ( Monthly exp. - Self exp. - EMI)


PV of such Expanses
Age of Spouse as on today
No. of months
FV of present corpus at 60%
Corpus at 55 yrs of age of spouse
PV of such corpus

27000
5821066.681822
30
360
54858.95004257
13347235.55431
1948935.372019

Total Life cover required


Additional cover required

15909972.03556
10409972.03556

s old, has Rs. 25 lakh in loan liabilities, has a non-working spouse of age 30 and children of age 7 years and 5
Rs. 30 lakh after 15 years and marriage expenses of Rs. 15 lakh after 20 years. Both are considerd at current
udes housing loan EMI of Rs. 15,000. The client consumes per month Rs. 8,000 on self. You additionally provi
uld require only 60% of expenses thereafter. He has an insurance cover of Rs. 40 lakh presently and his
e cover is _____. (Assumes that all expenses required are inflation adjusted at average inflation of 5% and the

hildren of age 7 years and 5


oth are considerd at current
n self. You additionally provide
lakh presently and his
rage inflation of 5% and the