Beruflich Dokumente
Kultur Dokumente
Prepared By
Sadique Neelgund
CFP Practitioner & Founder, Network FP Ground Floor, Yugaramb, Next to Marathon Nextgen, Lower Parel - 400 013 Mobile: 9867209208, Email: sadique@networkfp.com, Website: www.networkfp.com
01 June 2011
Philip Naronha 401, Vinayak CHS Sector 18 Vashi Navi Mumbai
Thank you for giving us an opportunity to prepare your financial flan. We appreciate your proactive approach in achieving financial goals, fulfilling family commitments and also take control of your personal finance matters. The enclosed comprehensive financial plan of your family analysis your current financial situation & future financial goals and provides financial planning recommendations and an action plan to bridge the gap between two by address them on a timely basis. The plan is prepared based on the information provided by you of your current circumstances and future objectives. Please read the plan carefully to check for accuracy of the information provided. However, it needs to be monitored on an ongoing basis and updated in response to changes in your own circumstances and other factors such as government regulations, market movements and macro economy. We shall be glad to provide you with our ongoing services to implement & monitor your financial plan to ensure you meet your financial goals. Kindly read our disclaimer & disclosure on the last page. Please feel free to contact us if you need any clarifications or information.
Page 2 of 36
Table of Contents
S. No. Section Page No.
Executive Summary
1 2 3 4 5 6 Family Details Client Goals & Objectives Goal Funding Map Key Figures in Graphical Representation One Year Action Plan Product Recommendations
4
5 6 7 8-9-10 11 12
Current Financials
1 2 3 4 5 6 7 Income Expenditure Statement (Cashflows) Assets & Liabilities Statement (Networth) General Insurance Policies Life Insurance Policies Fixed Deposits & Debt Instruments Mutual Funds Equity Shares
13
14-15 16-17 18 19 20 21 22
Future Goals
1 2 3 4 5 6 7 8 9 10 Financial Plan Assumptions Life Insurance Needs General Insurance Needs Contingency Funding Child 1 Future - Veljon Child 2 Future - Vanessa Retirement Planning House Purchase Car Purchase International Vacation
23
24 25 26 27 28 29 30 31 32 33
5 Year Cashflows
1 2 Disclaimer & Discloser Acknowledgement & Feedback
34
35 36
Page 3 of 36
Executive Summary
Contents
S. No. 1 2 3 4 5 6 Family Details Client Goals & Objectives Goal Funding Map Key Figures in Graphical Representation One Year Action Plan Product Recommendations Section Page No. 5 6 7 8-9-10 11 12
Page 4 of 36
Date of Birth
06-Jan-97
10-Aug-99
00-Jan-00
00-Jan-00
Current Age
46
41
14
12
111
111
Family Goals
Graduation
Post Graduation
Marriage
Retirement
House
Car
Vacations
Contingency Funds
Life Insurance
Health Insurance
Estate Planning
Page 5 of 36
Veljon's Future
You would like to arrange 10 Lakhs All the goals related to Child 1 can be achieved with monthly for Graduation at 18 and 10 lakhs for investments of Rs. 10,000. We have utilized your existing insurance his PG at 22 and 5 lakhs for Marriage policies & shares for these goals at 26 in today's value.
Vanessa's Future
You would like to arrange 10 Lakhs All the goals related to Child 2 can be achieved with monthly for Graduation at 18 and 10 lakhs for investments of Rs. 8,500. We have utilized your existing insurance his PG at 22 and 5 lakhs for Marriage policies & shares for these goals at 26 in today's value.
Retirement Corpus
You would like to accumulate an investment corpus to fund your retirement expenses from age 60 to 80. You need to start investing Rs. 12,000 pm in equity portfolio. We have utilized your employment benefits i.e. EPF & Superannuation towards this goal.
House Purchase
You would like to purchase a 2-3 BHK You can achieve this goal by making a downpayment from resale flat in the next 4 years costing around value of existing house & plot and taking a fresh 10 year tenure 60 lakhs in today's value in Navi home loan Mumbai
Life Insurance
You would like to protect your You are considerably under-insured for current family lifestyle, family's lifestyle, fulfil current commitments and liabilities. Buy 60 Lakhs of insurance coverage on liabilities and commitments in case of an immediate basis pre-mature death.
Health/General Insurance
You would like to get insured for Though you have cover from your employer as benefit, it is ideal to medical & other emergencies so have your own comprehensive health cover for all family members thats the situation doesnt drain out and Critical Illness policy. your assets/savings
Car Purchase
You would like to purchase a car in the next 6 years costing around 8 lakhs in today's value You would like to go on an international vacation in the next 4 years costing around 3 lakhs in today's value You can allocate Rs. 2 lakhs from your existing savings account for this goal. And also start fresh investments of 6000 pm
International Vacation
You can allocate your Fixed Deposits & KVP for this goal and invest around Rs. 2000 in Recurring Fixed Deposits
Page 6 of 36
Veljon's Future
1 2 3 Veljon - Graduation Veljon - Post Grad Veljon - Marriage Total 10,00,000 10,00,000 5,00,000 25,00,000 4 8 12 12,75,088 Policies 16,71,380 Policies, Shares 10,95,419 40,41,887 10,37,100 Monthly SIP 12,68,032 Monthly SIP 23,05,132 Monthly SIP 4,578 2,722 3,414 10,713
Vanessa's Future
4 5 6 Vanessa - Graduation Vanessa - Post Grad Vanessa - Marriage Total 10,00,000 10,00,000 5,00,000 75,00,000 6 10 14 15,19,485 MFs 19,91,735 Policies 13,05,379 Policies, Gold 1,29,00,373 13,38,035 Monthly SIP 4,13,659 9,58,382 73,20,340 Monthly SIP Monthly SIP 1,655 6,259 715 30,056
Retirement Corpus
Retirement Corpus NA 14 1,71,39,449 EPF,SA,Gratuity 1,11,02,119 Monthly SIP 12,047
House Purchase
7 8 Downpayment Loan Funding Total 66,00,000 66,00,000 4 10 57,97,836 38,65,224 96,63,060 Resale, Plot NA 57,83,195 NA 57,83,195 Monthly SIP EMI 247 53,243
Car Purchase
9 10 Downpayment Loan Funding Total 8,00,000 8,00,000 6 5 12,00,584 0 12,00,584 Resale, SB A/C NA 5,62,113 NA 5,62,113 Monthly SIP EMI 6,424 0
International Vacation
11 Int Vacation 3,00,000 4 3,93,239 FD & KVPs 2,86,751 Monthly SIP 1,798
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4.3%
Liquid 8%
9.7%
Equity 23%
Gold 4%
Debt 55%
Your Networth
Networth Total Liabilities Personal Assets Total Assets Investment Assets Investment Assets Personal Assets Total Assets 87,42,292 4,60,000 92,02,292 46,52,292 45,50,000
92,02,292 45,50,000 46,52,292
Total Liabilities
4,60,000
Networth
87,42,292
Page 8 of 36
Dependents Expenses 60,000 2,52,000 Pure Insurance 15,276 1,38,000 Premiums Loan Servicing 2,57,280 60,000 1 Savings 6,27,444 Regular Investments Surplus (Potential Invest.) 1,03,532 5,23,912
Equity, 10.00%
Risk
Page 9 of 36
Age
2,00,00,000
61 62 63
Corpus
1,71,39,449 1,75,88,634 1,80,00,209 1,83,65,189 1,86,73,373 1,89,13,212 1,90,71,648 1,91,33,949 1,90,83,522 1,89,01,704
Annual Expenses
-10,32,641 -11,04,926 -11,82,271 -12,65,030 -13,53,582 -14,48,333 -15,49,716 -16,58,196 -17,74,270 -18,98,469
Balance
1,61,06,808 1,64,83,708 1,68,17,938 1,71,00,159 1,73,19,791 1,74,64,879 1,75,21,932 1,74,75,753 1,73,09,252 1,70,03,235
1,75,88,634 1,80,00,209 1,83,65,189 1,86,73,373 1,89,13,212 1,90,71,648 1,91,33,949 1,90,83,522 1,89,01,704 1,85,67,532
Balance Growth
1,50,00,000
64 65
1,00,00,000
66 67
50,00,000 68
69
0 70
1
71
10
11
12
13
14
15
16
17
18
19
20
1,85,67,532 1,80,57,498
-20,31,362
1,65,36,171 1,58,83,941
1,80,57,498
-50,00,000 72
Series2
-21,73,557
Series3
1,73,45,264
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Investments
1 2 3 4 5 6 7 8 Daughter's PG & Marriage Corrective Action Corrective Action Car Purchase Children's Future Retirement Planning Car Purchase Vacation / Car 6-12 months 0-3 months 0-3 months 6-12 months 0-3 months 0-3 months 0-3 months 0-3 months
Insurance
1 2 3 4 Surrender Komal Jeevan & Jeevan Bharti Policies Buy Term Life Insurance Cover of Rs. 60 Lakhs for self Buy Health Insurance of Rs. 3 Lakhs covering all family members Buy Critical Illness of Rs. 10 Lakhs each for self & spouse Corrective Action Life Cover Health Cover Critical Cover Within 3 months Within 3 months Within 3 months Within 3 months Within 3 Months
Others
1 2 3 4 5 6 7 Maintain 1.5-2 Lakhs in Savings account Contingency & covert into flexi a/c Planning Organize and Consolidate all your financial documents (preferably online) Ensure proper nomination of all Estate Planning investment & physical assets Make a Will Estate Planning Through Self Through Self / Network FP Through Self / Network FP Through Self / Network FP Call / Mail Call / Meet Meeting after 1 Year
Take second opinion before making any Preventive investment/insurance decision Action Quarterly Reviews of Progress on Action General Plan Annual Review of Financial Plan General
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Product Recommendations
S No Products Amount Type Source Goal
15,000
Health Insurance
1 2 Apollo Munich Family Floater National Insurance 3,00,000 10,000
Insurance Surrender
Personal Accident
1 Apollo Munich
Critical Illness
1 Bajaj Allianz 10,00,000 15,000
Insurance Surrender Page 12 of 36
Current Financials
Contents
S. No. 1 2 3 4 5 6 7 Section Income Expenditure Statement (Cashflows) Assets & Liabilities Statement (Networth) General Insurance Policies Life Insurance Policies Fixed Deposits & Debt Instruments Mutual Funds Equity Shares Page No. 14-15 16-17 18 19 20 21 22
Page 13 of 36
Regular Investments
S.No. 1 2 3 4 5 Particulars Insurance Premiums (Investments) Mutual Fund SIPs Recurring Deposits (RDs) PPF/EPF Others Regular Monthly Investments Potential for Additional Reg Investments Monthly 8,628 0 0 0 0 8,628 43,659 Annual 1,03,532 0 0 0 0 1,03,532 5,23,912 8% 39% % of Income
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Expenditures
S.No. Particulars Monthly Annual % of Income
Household Expenses
1 2 3 4 5 6 Grocery & Toiletries House - Rent, Maintenance, Repair Conveyance, Fuel & Maintenance Medicines / Doctor / Healthcare Electricity / Water / Labour / AMCs Mobile / Telephone / Internet Sub-total of Household Expenses 7,000 2,000 7,000 1,000 3,000 1,000 21,000 84,000 24,000 84,000 12,000 36,000 12,000 2,52,000 19%
Lifestyle Expenses
1 2 3 4 5 5 Clothes & Accessories Shopping, Gifts, Whitegoods, Gadgets Dining / Movies / Sports Personal Care / Others Coach - Financial, Fitness, Personal Travel & Annual Vacations Lifestyle Expenses 3,000 1,500 1,000 500 1,500 4,000 11,500 36,000 18,000 12,000 6,000 18,000 48,000 1,38,000 10%
Dependent Expenses
1 2 Children's Schooling/College Contribution to Parents, Siblings etc Dependent Expenses 5,000 0 5,000 60,000 0 60,000 10%
Insurance Premiums
1 2 Life Insurance (Term) General Insurance Insurance Premiums 0 1,273 1,273 0 15,276 15,276 1%
Loan Servicing
1 2 3 Home Loan EMIs Vehicle Loan EMIs Personal Loan EMIs Loan Servicing 21,440 0 0 21,440 2,57,280 0 0 2,57,280 19%
Net Outflows
60,213
7,22,556
54%
Savings (Inflows-Outflows)
52,287
6,27,444
46%
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Investment Assets
S No Particulars Total Goals Mapped Remarks
Liquid
1 2 Savings Bank/Cash in Hand Receivables Total Liquid Assets 3,80,000 0 3,80,000 8% Contingency, Car
Debt
1 2 3 4 5 6 7 Fixed Deposits PPF (Public Provident Fund) EPF + SA + Gratuity NSC / POMIS / KVP / RDs etc Debt Mutual Funds Traditional Insurance Policies SV Bonds/Debentures/CDs Total Debt Assets 1,39,025 0 17,00,422 74,443 0 6,57,856 0 25,71,746 55% Children's Future Retirement Int. Vacation Int. Vacation
Equity
1 2 3 Direct Equity Equity Mutual Funds Unit-linked Insurance SV Total Equity Assets 3,24,832 7,25,714 0 10,50,546 23% Children's Future Children's Future
Gold
1 2 ETFs/ Mutual Funds Gold Bars / Coins etc Total Gold 0 2,00,000 2,00,000 4%
Real Estate
1 2 3 Apartment / House Plot / Land / Holiday Home Real Estate Funds / REITs Real Estate 0 4,50,000 0 4,50,000 10%
Investment Assets
46,52,292
100%
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Networth Statement
S No Particulars Total Goals Mapped Remarks
Investment Assets
1 2 3 4 5 Liquid Debt Equity Gold Real Estate Total Investment Assets 3,80,000 25,71,746 10,50,546 2,00,000 4,50,000 46,52,292
Personal Assets
1 2 3 Residential Property Vehicles Jewellery Total Personal Assets 35,00,000 4,50,000 6,00,000 45,50,000 House Car Unassigned
Personal Liabilities
1 2 3 4 5 6 Home Loan Vehicle Loan Personal Loan Education Loan Gold Loan Credit Card Total Liabilities 4,60,000 NA NA NA NA NA 4,60,000
Networth Statement
A B C Total Investment Assets Total Personal Assets Total Personal Liabilities 46,52,292 45,50,000 4,60,000
87,42,292
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Total Premium
15,276
Page 18 of 36
Philip Naronha
1 2 3 4 Total 46,106 12,45,500 4,63,538 13,39,400 Endowment Policy With Profits Jeevan Mitra with Profits New Moneyback Plan 93 Endowme nt Endowme nt Moneybac k 36,404 4,464 5,238 15 25 25 Nov-00 Apr-95 Nov-91 Nov-15 Apr-20 Nov-16 7,45,500 3,00,000 2,00,000 3,22,922 64,474 76,142 8,41,500 3,02,300 1,95,600 5.24% 7.00% 6.73% Continue Continue Continue Child 1 Grad Child 1 PG Child 1 Grad 0 0 0 0.00% 0.00% 0.00% 8,41,500 3,02,300 1,95,600
Lina Naronha
1 2 Moneybac k Money-Back with Moneybac Profit + AB k Jeevan Bharti Total 15,110 6,409 21,519 20 20 Aug-03 Jul-00 Aug-23 Jul-20 2,66,000 1,46,100 4,12,100 32,768 32,285 65,053 3,70,000 1,92,600 5,62,600 2.81% Surrender 5.61% Continue Child 2 Marriage Child 1 PG 14 0 13.00% 0.00% 1,85,478 1,92,600
Veljon
1 2 Total 0 0 0 0 0 0
Vanessa
1 2 Total Prepared by Sadique Neelgund, CFP CM 35,907 5,00,000 1,29,265 14,85,000 Page 19 of 36 Komal Jeevan Children's 35,907 18 Sep-05 Sep-31 5,00,000 1,29,265 14,85,000 5.81% Surrender Child 2 PG 10 12.10% 4,13,659 0
Bank Deposits
1 2 3 4 ICICI FD ICICI FD 56,482 19-Dec-12 82,543 4-May-13 Int Vacation 8.60% 8.60%
Company Deposits
1 2 3
Total
2,13,468
2,86,751
Page 20 of 36
Continue Continue Continue Switch to Reliance Growth Continue Continue Continue Split into HDFC Top 200 & HDFC equity
6 6 6 Child 2 Graduation 6 6 6 6 6
5,30,000
7,25,714
13,38,035
Page 21 of 36
Child 1 PG
8 8 8 8 8 8 8 8
Total
3,32,458
3,24,832
-2.29%
7,73,132
Page 22 of 36
Future Goals
S. No. 1 2 3 4 5 6 7 8 9 10 Financial Plan Assumptions Life Insurance Needs General Insurance Needs Contingency Funding Child 1 Future - Veljon Child 2 Future - Vanessa Retirement Planning House Purchase Car Purchase International Vacation
Section
Page No. 24 25 26 27 28 29 30 31 32 33
Page 23 of 36
Liquid
5.00% 100.00% 5.00% 10.00% 0.50% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 10.00% 0.50% 10.00% 0.50%
Debt
8.00% 0.00% 0.00% 75.00% 6.00% 60.00% 4.80% 25.00% 2.00% 10.00% 0.80% 65.00% 5.20% 50.00% 4.00%
Gold
10.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 10.00% 1.00% 10.00% 1.00% 0.00% 0.00% 10.00% 1.00%
Real Est.
10.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Equity
14.00% 0.00% 0.00% 15.00% 2.10% 40.00% 5.60% 65.00% 9.10% 80.00% 11.20% 25.00% 3.50% 30.00% 4.20%
Total
NA 100.00%
Short Term
5.00%
100.00%
8.60%
100.00%
Medium Term
10.40%
100.00%
Long Term
12.10%
100.00%
13.00%
100.00%
9.20%
100.00%
9.70%
Page 24 of 36
Calculations
Sr. No. Particulars Amount Remarks/Notes
Outstanding Liability
1 Home Loan Total Outstanding Liability (A) 4,60,000 4,60,000
A+B+C
1 2 3
D-E
61,04,518
30,000
Details
Sr. No. 1 2 3 4 5 6 Type Health Insurance Critical Illness Personal Accident Motor Insurance Householders Policy Home Loan Assurance Total Premium 25,000 Cover 3 Lakhs 10 Lakhs For All 4 Self+Spouse Approx. Annual Premium 10,000 15,000 Remarks
Planner Comments/Observations
Though you have cover from your employer as benefit, it is ideal to have your own comprehensive health cover for all family members and Critical Illness policy.
Page 26 of 36
Contingency Funding
Client Goal / Requirement
You would like to have contingency funds in case of emergencies like job loss, medical issues or monetary help to relatives
Picture
Calculations
Steps Particulars Amount Remarks/Notes
We have assigned the current bank balance and some fixed deposits towards having a contingency fund in place to meet emergencies.
Page 27 of 36
Veljon's Future
Client Goal / Requirement
You would like to arrange 10 Lakhs for Graduation at 18 and 10 lakhs for his PG at 22 and 5 lakhs for Marriage at 26 in today's value.
Picture
Calculations
Steps Present Value of Goal Goal Age Remaining Years for Goal Goal Year Expected Inflation of Expenses Future Value of Goal Endowment Policy + Moneyback Jeevan Mitra + Moneyback Equity Shares Current Assets Utilized Percentage of Goal on Track Shortfall to met by Fresh Investments Expected Investment Returns Lumpsum Investments 10,37,100 81% 2,37,988 10.40% 1,66,809 Details Graduation 10,00,000 18 4 2015 7.00% 12,75,088 PG 10,00,000 22 8 2019 7.00% 16,71,380 Marriage 5,00,000 26 12 2022 7.00% 10,95,419
4,578
2,722
3,414
All the goals related to Child 1 can be achieved with monthly investments of Rs. 10,000. We have utilized your existing insurance policies & shares for these goals
Page 28 of 36
Vanessa's Future
Client Goal / Requirement
You would like to arrange 10 Lakhs for Graduation at 18 and 10 lakhs for his PG at 22 and 5 lakhs for Marriage at 26 in today's value.
Picture
Calculations
Steps Present Value of Goal Goal Age Remaining Years for Goal Goal Year Expected Inflation of Expenses Future Value of Goal Komal Jeevan Jeevan Bharti Mutual Funds Gold Current Assets Utilized Percentage of Goal on Track Shortfall to met by Fresh Investments Expected Investment Returns Lumpsum Investments 13,38,035 88% 1,81,450 12.10% 89,540 4,13,659 21% 15,78,076 13.00% 4,54,569 13,38,035 7,72,904 9,58,382 73% 3,46,997 13.00% 61,303 Details Graduation 10,00,000 18 6 2017 7.00% 15,19,485 PG 10,00,000 22 10 2021 7.00% 19,91,735 4,13,659 1,85,478 Marriage 5,00,000 26 14 2025 7.00% 13,05,379
1,655
6,259
715
All the goals related to Child 2 can be achieved with monthly investments of Rs. 8,500. We have utilized your existing insurance policies & shares for these goals
Page 29 of 36
Retirement Corpus
Client Goal / Requirement
You would like to accumulate an investment corpus to fund your retirement expenses from age 60 to 80.
Picture
Calculations
Steps Particulars Amount Remarks/Notes
12,047
You need to start investing Rs. 12,000 pm in equity portfolio. We have utilized your employment benefits i.e. EPF & Superannuation towards this goal.
Prepared by Sadique Neelgund, CFP CM Page 30 of 36
House Purchase
Client Goal / Requirement
You would like to purchase a 2-3 BHK flat in the next 4 years costing around 60 lakhs in today's value in Navi Mumbai
Picture
Calculations
Steps Particulars Amount Remarks/Notes
247
You can achieve this goal by making a downpayment from resale value of existing house & plot and taking a fresh 10 year tenure home loan
Prepared by Sadique Neelgund, CFP CM Page 31 of 36
Car Purchase
Client Goal / Requirement
You would like to purchase a car in the next 6 years costing around 8 lakhs in today's value
Picture
Calculations
S. No. Particulars Amount Remarks/Notes
6,424
You can allocate Rs. 2 lakhs from your existing savings account for this goal. And also start fresh investments of 6000 pm
Prepared by Sadique Neelgund, CFP CM Page 32 of 36
International Vacation
Client Goal / Requirement
You would like to go on an international vacation in the next 4 years costing around 3 lakhs in today's value
Picture
Calculations
S. No. Particulars Amount Remarks
1,798
You can allocate your Fixed Deposits & KVP for this goal and invest around Rs. 2000 in Recurring Fixed Deposits
Page 33 of 36
5 Year Cashflows
S. No. 1 2 3 4 1 2 Particulars Philip Naronha Lina Naronha Veljon Vanessa Income (Husband) Income (Wife) Total Inflows Household Expenses Lifestyle Expenses Children's Schooling/College Contribution to Parents, Siblings etc Pure Insurance Premiums Loan EMIs Total Expenses Savings (Inflows-Outflows) PPF (Public Provident Fund) Recurring Deposits (RDs) Insurance Premiums (Investments) Mutual Fund SIPs Current Regular Investments Current Surplus (Savings-Invts) Veljon's Future - Graduation Veljon's Future - PG Veljon's Future - Marriage Vanessa's Future - Graduation Vanessa's Future - PG Vanessa's Future - Marriage Retirement Funding House Purchase Car Purchase International Vacation Total Fresh Investments Life Insurance Health Insurance Other Insurances Policy Surrenders (if any) Total Premiums Home Loan Total Loan EMIs Surplus after Recommendations Cumulative Surplus 2011 46 41 14 12 2012 47 42 15 13 14,85,000 0 14,85,000 2,69,640 1,47,660 64,200 0 16,345 2,57,280 7,55,125 7,29,875 0 0 1,03,532 0 1,03,532 6,26,343 54,936 32,661 40,963 19,864 75,112 8,578 1,44,558 2,967 77,088 21,581 4,78,308 30,000 10,700 15,000 -51,017 4,683 2013 48 43 16 14 16,33,500 0 16,33,500 2,88,515 1,57,996 68,694 0 17,489 0 5,32,694 11,00,806 0 0 1,03,532 0 1,03,532 9,97,274 54,936 32,661 40,963 19,864 75,112 8,578 1,44,558 2,967 77,088 21,581 4,78,308 30,000 11,449 15,000 -51,017 5,432 2014 49 44 17 15 17,96,850 0 17,96,850 3,08,711 1,69,056 73,503 0 18,714 0 5,69,983 12,26,867 0 0 1,03,532 0 1,03,532 11,23,335 54,936 32,661 40,963 19,864 75,112 8,578 1,44,558 2,967 77,088 21,581 4,78,308 30,000 12,250 15,000 -51,017 6,233 2015 50 45 18 16 19,76,535 0 19,76,535 3,30,321 1,80,890 78,648 0 20,024 0 6,09,882 13,66,653 0 0 67,128 0 67,128 12,99,525 0 32,661 40,963 19,864 75,112 8,578 1,44,558 2,967 77,088 21,581 4,23,372 30,000 13,108 15,000 -51,017 7,091
Age Schedule
Inflows
13,50,000 0 13,50,000 2,52,000 1,38,000 60,000 0 15,276 2,57,280 7,22,556 6,27,444 0 0 1,03,532 0 1,03,532 5,23,912 54,936 32,661 40,963 19,864 75,112 8,578 1,44,558 2,967 77,088 21,581 4,78,308 30,000 10,000 15,000 -51,017 3,983
Expenses
1 2 3 4 5 6
Regular Investments
1 2 3 4
Investment Recommendations
1 2 3 4 5 6 7 8 9 10
Insurance Recommendations
1 2 3 4
Loan Recommendations
1 0 41,621 41,621 0 1,43,352 1,84,974 0 5,13,534 6,98,508 0 6,38,794 13,37,302 0 8,69,062 22,06,364 Page 34 of 36
Returns from each recommended investment will vary in line with market conditions and investment policies of the fund manager. Income and growth assumptions are intended as a guide only and should be treated with caution. The planner should not be held responsible for the accuracy of the same. Most equity/ growth investment are long term in nature and significant variations including capital loss, may occur over shorter periods. Neither the authorized representative nor the company guarantees the performance or return of capital on any of these investments. Performances of investments are subject to market risks. Past performances of a particular asset class or investment may not be the true indicator of their performance in future.
These recommendations are based on the information you have supplied. If any material information has been withheld or any inaccurate, these recommendations could prove to be inappropriate for you.
While we have made every attempt to ensure that the calculations contained in this Financial Plan are correct and complete, kindly note the plan may contain inaccuracies or errors due the manualcomputer interface involved in making the calculations and we expressly exclude liability for any such inaccuracies or errors. In the case where a error or omission is involved, you can request us to rectify the error or omission, we shall do needful.
Disclosure
If the product recommendation are implemented through us, we would receive applicable brokerage from all/some the investments recommended. We will be entitled to commission directly from product providers. We will be also eligible to other incentives including allowances and incentives based on volumes, discounted services and awards. However these benefits & compensation from the product manufacturers shall be disclosed to wherever applicable to you.
Page 35 of 36
Feedback Form
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Date: Page 36 of 36