Sample Financial Plan

Prepared By YYYY, CFP
CM

Contact No.
Date
ICICI Securities Ltd. Page 1 of 34 Private and Confidential
Sr. No. Topic Page No.
1 Scope 3
2 Ass!ptions "
3 Personal Details # $oals %
" &nco!e ' ()pense Analysis *
% Yor Net+ort, 1-
. Yor /is0 Pro1ile 11
* Asset Allocation 12
2 $oals 13
3 $oals ' Analysis # Sggestions 1"
1- /etire!ent Planning 12
11 &nsrance Planning 22
12 Cas, Flo+ 22
13 Action Plan 32
1" Disclai!er 3"
T,e Financial Plan identi1ies yor present 1inancial condition and +,at yo +ant to ac,ie4e in
1tre. Based on t,e in1or!ation +e ,a4e o5tained dring or !eeting, a co!pre,ensi4e 1in6
ancial plan ,as 5een de4eloped 1or yo +,ic, +ill pro4ide yo a gidance on yor 1inancial o56
7ecti4es.
T,e scope o1 yor 1inancial plan is as 1ollo+s8
Yor inco!e6 e)penses analysis6 t,is analyses yor crrent inco!e # e)penses, yor in6
4est!ents and sa4ings
$oal analysis6 identi1ies and analyses t,e re9ire!ents 1or yor 4arios 1inancial goals in6
clding yor c,ildren goals
/etire!ent planning analyses yor post6retire!ent needs and a sita5le soltion +,ic, ad6
dresses t,ose needs
&nsrance planning identi1ies yor insrance re9ire!ent against possi5le ris0s.
Cas, 1lo+ gi4es yo an nderstanding o1 yor 1tre cas, in1lo+s and ot1lo+s at 4arios
stages in yor li1e
Ta0ing e4ery aspect into consideration, t,is report +ill gi4e yo an insig,t into yor 1inancial
goals and a sita5le action plan 1or t,e!.
:,ile creating yor 1inancial plan +e ,a4e 5ased or calclations on certain ass!ptions.
T,e 1inancial plan # t,e 4arios re9ire!ents are 5ased on yor present 1inancial condition.
T,e a4erage in1lation rate ass!ed is 2; p.a. till yor li1eti!e.
Yo # yor spose are e)pecting a gro+t, in salary at an a4erage rate o1 2; p.a.
T,e pro4ident 1nd acc!lation # e)pected gratity 1or yo # yor +i1e ,a4e 5een calc6
lated, ass!ing a gro+t, o1 2; p.a. in t,e 5asic salary 1or 5ot, o1 yo.
T,e increase in cost o1 all yor goals ,as 5een ass!ed at 2; p.a.
Yo # yor spose ,a4e planned to retire at yor respecti4e age o1 %% # "% years.
T,e annity rate is ass!ed as .; p.a.
T,e li1e e)pectancy 1or yo and yor +i1e ,as 5een ta0en at yor respecti4e age o1 2-.
T,e +eig,ted rate o1 retrn 5ased on yor ris0 pro1ile is 3.3- ; p.a., +,ic, ,as 5een con6
sidered 1or all yor long6ter! goals # port1olio till retire!ent< +,ile 1or s,ort6ter! goals, a
+eig,ted retrn o1 .; is considered.
Based on t,e inpts pro4ided 5y yo, t,e 1ollo+ing are yor personal details.
Na!e8 Mr. ABC Age8 3. =ccpation8
Contact No. (6!ail &D8
Address8
Fa!ily Details
Na!e /elations,ip Age =ccpation
> :i1e 33 Salaried
? Dag,ter . Stdent
Y Son 1 &n1ant
T,e 1irst step in creating a 1inancial plan is to identi1y yor 1inancial goals. Yo ,a4e !entioned
t,e 5elo+ 1inancial goals 1or yo and yor 1a!ily8
$oal Na!e
Years to
$oal
Present Cost
o1 $oal @/s.A
&n1lation
/ate;
$oal Prior6
ity
? 6 $radation 12 3,---,--- 2; 1
Y 6 $radation 1. 3,---,--- 2; 2
/etire!ent 13 .--,--- p.a 2; 3
?BY 6 (dcation Fnd 1% 1,---,--- 2; "
? 6 Marriage 2- 1,---,--- 2; %
Y 6 Marriage 2* 1,---,--- 2; .
Cacation 1 2 %--,--- 2; *
Cacation 2 * %--,--- 2; 2
&denti1ying and prioritiDing yor goals and t,e associated costs is t,e 1irst step in yor 7orney
to+ards a 1inancially secre 1tre.
&n1lation is an i!portant t,ing to nderstand ,ere. T,e cost o1 goods and ser4ices, or in s,ort
in1lation, ,as 5een on an ptrend o4er t,e last 1e+ years. &n1lation decreases t,e prc,asing
po+er o1 !oney. So yo +ill need !ore a!ont o1 !oney 1or yor goals at t,e ti!e o1 t,eir
realiDation.
&nco!e
Sorce o1 &nco!e
A!ont @in /s.A
Mont,ly Yearly
Salary o1 Sel1 11-,--- 1,32-,---
/ental &nco!e 12,--- 1"",---
Spose &nco!e "3,*-- %2","--
Total 1.%,*-- 1,322,"--
Sorces o1 &nco!e
*;
2.;
.*;
Salary o1 Sel1
/ental &nco!e
Spose &nco!e
&tEs i!portant to spread yor 1a!ilyEs inco!e t,rog, at least 2 or !ore sorces to redce t,e
ris0 o1 relying on only one sorce.
&n yor case, yo 1a!ilyEs inco!e is spread across !ltiple sorces, +,ic, is good.
()penses
()penses Type
A!ont @in /s.A
Mont,ly Yearly
Fose,old 3-,--- 3.-,---
(ntertain!ent %,--- .-,---
Medical 1,--- 12,---
(dcation %,%-- ..,---
Tra4eling 3,%-- "2,---
Foliday 12,%-- 1%-,---
Fo!e Goan (M& ' Spose 1%,%-- 12.,---
Personal Goan (M& 6 Sel1 11,*%- 1"1,---
=t,er ()penses %,--- .-,---
Ter! &nsrance Pre!i!s 3,3*. "*,*-2
Total 33,*2. 1,12",*-2
T,e ne)t c,art +ill ,elp yo in nderstanding +,ere yo are spending !ore # +,ere yo are
spending less. T,is +ill also gide yo in ctting do+n certain e)penses, to increase yor sr6
pls, i1 t,e sa!e is not s11icient to !eet all yor goals.
()penses Brea0 Hp
";
32;
%;
1;
.;
";
13;
1*;
13;
%;
Fose,old
(ntertain!ent
Medical
(dcation
Tra4eling
Foliday
Fo!e Goan (M& 6 Spose
Personal Goan (M& 6 Sel1
=t,er ()penses
Ter! &nsrance Pre!i!s
&nsrance # &n4est!ents
Type
A!ont @in /s.A
Mont,ly Yearly
&n4est!ents @PPF I MF S&PA 3*,-23 ""%,---
Gi1e &nsrance Pre!i!s @e)clding Ter!A 1",2-* 1*-,"23
Total %1,231 .1%,"23
Sa4ings
Based on yor inco!e and e)pense details yo are sa4ing "3; o1 yor inco!e.
Note 8 T,e a4erage sa4ings o1 an &ndian ,ose,old is arond 3-; o1 t,e ,ose,old inco!e. &n
yor case, yor sa4ings rate is !c, ,ig,er t,an t,e sa!e.
Cas, Manage!ent
1,322,"--
1,12",*-2
2.3,.32
2"2,2-3
Type
A
!
o
n
t

i
n

/
s
.
Annal &nco!e
Annal ()penses
Sa4ings
&n4esti5le Srpls
Yor Total Sa4ings @/s.A 2.3,.32
T,e part o1 sa4ings yo are in4esting crrently @/s.A .1%,"23
T,e part o1 sa4ings a4aila5le to in4est @/s.A 2"2,2-3
Net +ort, Analysis s,o+s yor 1inancial condition as on a speci1ic date. T,is +ill ,elp yo to
!onitor yor progress as yo 5ild yor assets.
Assets Gia5ilities
Asset Type A!ont @/s.A
Percentage
@;A
Gia5ility Type
=tstanding
A!ont @/s.A
Fi)ed Assets 11,32%,--- *%; Fo!e Goan ' Spose 1,"%-,---
Financial Assets 3,"2%,%-- 21; Personal Goan ' Sel1 1,3--,---
=t,er Assets .--,--- ";
Total 1%,3%-,%-- 1--; 2,*%-,---
Financial Assets
Yor Total Net+ort, J Assets
' Gia5ilities J /s. 13,2--,%--
(9ity 1,2"-,--- 3.;
De5t 2,-%*,%-- .-;
Cas, 122,--- ";
Total 3,"2%,%-- 1--;
Net+ort,
1%,3%-,%--
2,*%-,---
Assets
Gia5ilities
Based on yor response to t,e ris0 analyDer 9estionnaire yo are a aggressi4e in4estor.
As an aggressi4e in4estor8
Yor pri!ary ai! is gro+t, o1 capital
Yo are co!1orta5le +it, initial 1lctations in t,e 4ale o1 yor in4est!ents to generate
,ig, retrns
Yo nderstand t,at ta0ing larger ris0s ,elps earn ,ig,er retrns
Yo pre1er in4esting in a4enes sc, as e9ity t,at pro4ide ,ig, retrns 5t at t,e sa!e
ti!e pose ,ig, ris0s
=ne o1 t,e !ost i!portant stages in analyDing yor in4est!ents is to nderstand yor asset al6
location. Asset allocation represents t,e !i) o1 stoc0s, 5onds and cas, t,at yo o+n. &t is i!6
portant to ,a4e a rig,t asset !i) in order to en,ance yor retrn potential and pro4ide yo t,e
rig,t di4ersi1ication to 5ene1it 1ro! t,e 4arios in4est!ent opportnities.
Yor Crrent Financial Asset Allocation
Crrent Asset Allocation
3.;
.-;
";
(9ity
De5t
Cas,
Based on t,e type o1 in4estor yo are yor reco!!ended 1inancial asset allocation is
/eco!!ended Asset Allocation
*-;
2-;
1-;
(9ity
De5t
Cas,
$eneral $oals
Based on yor ass!ption o1 t,e present cost o1 yor goals and considering t,e rise in t,e
cost o1 t,ese goals, yo +ill need !ore a!ont at t,e ti!e o1 goal realiDation.
T,e ta5le 5elo+ gi4es yo t,e a!ont yo +ill need in 1tre 1or yor goals.
$oal Na!e Present Cost Years to $oal Ftre Cost
Cacation 1 %--,--- 2 %23,2--
Cacation 2 %--,--- * 2%.,312
C,ildren $oals
Based on yor ass!ption o1 t,e present 4ale o1 yor goals and considering t,e rise in t,e
cost o1 t,ese goals, yo +ill need !ore a!ont at t,e ti!e o1 goal realiDation.
T,e ta5le 5elo+ gi4es yo t,e a!ont yo +ill need in 1tre 1or yor goals.
? 6 $radation 3,---,--- 12 *,%%",%1-
Y 6 $radation 3,---,--- 1. 1-,2**,222
? 6 Marriage 1,---,--- 2- ",..-,3%*
Y 6 Marriage 1,---,--- 2* *,322,-.1
?BY 6 (dcation Fnd 1,---,--- 1% 3,1*2,1.3
Allocation o1 e)isting in4est!ents 1or $eneral $oals
:e sggest yo not to allocate any e)isting in4est!ents 1or t,ese goals.
Sggestions on $eneral $oals
:e sggest yo to redce t,e 4ale o1 yor 4acation goal @2 yearsA 1ro! /s. % la0, to /s. 3
la0,, as yo +ill not 5e ,a4ing s11icient srpls in t,e 1irst 2 years to acco!!odate t,e de6
sired 4ale. For acc!lating t,e re9ired corps, +e reco!!end yo to !a0e 1res, in6
4est!ents into de5ts instr!ents, as sggested later in t,is section.
Cacation 1 3--,--- 2 3"3,32-
For 4acation62 goal, +e reco!!end yo to !a0e 1res, in4est!ents, as s,o+n at t,e end o1
t,is section.
Allocation o1 e)isting in4est!ents 1or C,ildren $oals
:e sggest yo to allocate so!e o1 yor e)isting in4est!ents 1or t,ese goals. T,e ta5le 5elo+
gi4es yo t,e 1tre 4ale o1 yor e)isting in4est!ents +,ic, needs to 5e allocated 1or t,ese
goals, and t,e 5alance 1tre 4ale +,ic, needs to 5e ac,ie4ed, a1ter ta0ing t,e e)isting in6
4est!ents into consideration.
? 6 $radation
? 6 $radation 3,---,--- 12 *,%%",%1-
&n4est!ent
PC o1 &n4est6
!ent
FC o1 &n6
4est!ent
Balance FC to
5e ac,ie4ed
/e!ar0s
Ma) Ne+yor0 Gi1e
policy
33.,--- @PCA I
%-,--- p.a 1or
ne)t 2 years
1,3*%,333
N&G
()pected rate o1
retrn ass!ed
2; p.a
P5lic Pro4ident
Fnd
1%-,%-- @PCA I
2%,--- p.a 1or
ne)t 1- years
23%,2-*
()pected rate o1
retrn ass!ed
2; p.a
G&C policy
"-2,33% @appro).
!atrity 4aleA
"33,%3"
()pected rate o1
retrn ass!ed
.; p.a
Mtal Fnd 1,1--,--- ",31*,3.2
()pected rate o1
retrn ass!ed
12; p.a
Note8 T,e !atrity 4ale o1 Ma) Ne+yor0 Gi1e policy # G&C policy needs to 5e re6in4ested till
t,e occrrence o1 t,e goal, into de5t instr!ents, generating an a4erage retrn o1 .; p.a.
Y 6 $radation
Y 6 $radation 3,---,--- 1. 1-,2**,222
&n4est!ent
PC o1 &n4est6
!ent
FC o1 &n6
4est!ent
Balance FC to
5e ac,ie4ed
/e!ar0s
&C&C& Pr Gi1e
policy
%-,--- @PCA I
%-,--- p.a 1or
ne)t 1" years
2,-31,"2"
N&G
()pected rate o1
retrn ass!ed
2; p.a
Mtal Fnd 1,33%,--- 2,12*,1"%
()pected rate o1
retrn ass!ed
12; p.a
Note8 T,e !atrity 4ale o1 policy needs to 5e re6in4ested till t,e occrrence o1 t,e goal, into
de5t instr!ents, generating an a4erage retrn o1 .; p.a.
? 6 Marriage
? 6 Marriage 1,---,--- 2- ",..-,3%*
&n4est!ent
PC o1 &n4est6
!ent
FC o1 &n6
4est!ent
Balance FC to
5e ac,ie4ed
/e!ar0s
Mtal Fnd 2"-,--- 2,32-,1%% 2,3"-,2-2
()pected rate o1
retrn ass!ed
12; p.a
Y ' Marriage
Y 6 Marriage 1,---,--- 2* *,322,-.1
:e sggest yo not to allocate any e)isting in4est!ents 1or t,is goal. :e reco!!end yo to
start !a0ing 1res, in4est!ents 1or t,is goal, as sggested later in t,is section.
?BY ' (dcation Fnd
?BY 6 (dcation Fnd 1,---,--- 1% 3,1*2,1.3
&n4est!ent
PC o1 &n4est6
!ent
FC o1 &n6
4est!ent
Balance FC to
5e ac,ie4ed
/e!ar0s
Mtal Fnd .-%,--- 3,331,%2- N&G
()pected rate o1
retrn ass!ed
12; p.a
/eco!!ended Additional &n4est!ent ' $oals
T,e ta5le 5elo+ gi4es yo t,e !ont,ly a!ont o1 in4est!ents re9ired to 5e !ade to acc6
!late t,e s,ort1all in all yor goals.
Year
/eco!!ended Additional &n4est!ent per !ont, @in /s.A
Cacation61 ? 6 Marriage Y 6 Marriage Cacation62
2-12 13,*1" - - -
2-13 13,*1" - - -
2-1" 6 ",3"3 2,2"3 11,132
2-1% 6 ",3"3 2,2"3 11,132
2-1. 6 ",3"3 2,2"3 11,132
2-1* 6 ",3"3 2,2"3 11,132
2-12 6 ",3"3 2,2"3 11,132
2-13 6 ",3"3 2,2"3 6
2-2- 6 ",3"3 2,2"3 6
2-21 6 ",3"3 2,2"3 6
2-22 6 ",3"3 2,2"3 6
2-23 6 ",3"3 2,2"3 6
2-2" 6 ",3"3 2,2"3 6
2-2% 6 ",3"3 2,2"3 6
2-2. 6 ",3"3 2,2"3 6
2-2* 6 ",3"3 2,2"3 6
2-22 6 ",3"3 2,2"3 6
2-23 6 ",3"3 2,2"3 6
2-3- 6 ",3"3 2,2"3 6
Note8
For Cacation61 goal, t,e a5o4e in4est!ents ,a4e to 5e !ade into de5t instr!ents to gen6
erate an a4erage net retrn o1 .; p.a. as t,e goal is s,ort ter! in natre.
For Cacation62 goal, t,e a5o4e in4est!ents ,a4e to 5e !ade as per reco!!ended asset al6
location till t,e ti!e o1 goal occrrence 1or general goals to generate an a4erage net retrn
o1 3.3-; p.a.
For c,ild goals, t,e a5o4e in4est!ents ,a4e to 5e !ade as per reco!!ended asset alloca6
tion till t,e end o1 3 years 5e1ore goal occrrence, to generate an a4erage net retrn o1
3.3-; p.a. T,e a5o4e in4est!ents ,a4e to 5e !ade into de5t instr!ents 1or t,e last 3
years 1or c,ild goals, to generate an a4erage net retrn o1 .; p.a. Also, t,e acc!lated
1nds till t,en s,old also 5e !o4ed into de5t instr!ents. T,is is to a4oid any 1lctations
in e9ity instr!ents in t,e last 3 years leading to c,ild goals.
T,e ta5les 5elo+ 5rie1 yor re9ire!ent 1or yor li1e a1ter retire!ent.
Post6retire!ent Gi1e
Particlars ABC >
Planned /etire!ent Age %% "%
Gi1e ()pectancy @AgeA 2- 2-
()penses post6retire!ent
Gi1eti!e ()penses post6retire!ent
()penses Type A!ont @in /s.A in todayKs 4ale
Fose,old 3.-,---
(ntertain!ent .-,---
Medical .-,---
Ce,icle Maintenance 12,---
Foliday .-,---
$eneral &nsrance Pre!i!s 2",---
Tra4eling 12,---
=t,er ()penses 12,---
Total Annal ()penses re9ired .--,---
Gi!ited Ter! ()penses post6retire!ent
()penses Type
A!ont @in /s.A in
todayKs 4ale
/e9ired till
age
Met Gi1e policy 21,%-- .- o1 sel1
SB& Gi1e policy ' Sel1 1*,232 .% o1 sel1
SB& Gi1e policy ' Spose 2,3*. .2 o1 spose
=ne6Ti!e ()pense post6retire!ent
()penses Type
A!ont @in /s.A in
todayKs 4ale
/e9ired at
age
Personal Goan /epay!ent 1,3--,--- %. o1 sel1
Annal &nco!e planned 1or post6retire!ent
&nco!e Type
TodayKs
Cale
()pected &n6
crease p.a.
()pected till
age
Pension 1ro! Ba7a7 pension plan 1".,332 -; 2- o1 sel1
/ental &nco!e 1"",--- %; 2- o1 spose
Note8 T,e pension !entioned a5o4e co!es 1ro! 2B3
rd
o1 !atrity 4ale o1 Ba7a7 pension plan.
/eco!!endation
:e reco!!end yo to e)tend yor retire!ent 5y anot,er 3 years to yor age o1 %2.
Also, +e reco!!end yo to create a !edical contingency 1nd o1 /s. 1- la0, @in
todayEs 4aleA 1or any !edical contingencies post6retire!ent.
/etire!ent Corps
:it, t,e a5o4e re9ire!ents # inco!e @e)cept 5siness inco!e 1or sel1A dring post6retire6
!ent, t,e ta5le 5elo+ 5rie1s yo t,e total corps re9ired and t,e acc!lation to 5e !ade
1ro! yor e)isting in4est!ents to 5e allocated to+ards retire!ent.
Particlars A!ont @in /s.A
Corps re9ired 1or post6retire!ent e)penses 23,"%*,222
Ftre Cale o1 Medical Contingency 1nd @at retire!entA %,"3.,%"-
Total Corps /e9ired 22,23",3.3
Pro4ident Fnd 6 Sel1 2.,-"*,-%1
Pro4ident Fnd 6 Spose 2,.-2,-2-
Mtal Fnd (9ity 1",223,"-2
Ba7a7 Pension plan 6 1B3rd !atrity 1,.23,131
Acc!lation 1ro! NSC in4est!ents 2,-2%,33%
()pected $ratity 2,*%2,*"*
Total Corps 1ro! e)isting in4est!ents %%,22%,*"*
S,ort1all in /e9ired Corps 33,.-2,.1%
Note8
Present 4ale o1 !tal 1nd o1 /s. 2 la0, and S&P o1 /s. 1-,--- p.!. 1or ne)t 22 years
,a4e 5een allocated to+ards yor retire!ent.
T,e e)pected gratity 1or yo ,as 5een calclated 1or a period o1 last 11 years till retire6
!ent. T,e e)pected gratity 1or yor spose ,as 5een calclated 1or a period o1 23
years. T,e gro+t, in 5asic salary 1or 5ot, yo # yor spose ,as 5een ass!ed as 2;
p.a.
T,e gratity to 5e recei4ed 5y yor spose 1ro! ,er e!ployer needs to 5e re6in4ested
till yor retire!ent at 2; p.a.
Post6retire!ent Cas, Flo+ @5ased on acc!lation 1ro! e)isting in4est!entsA
Age
o1 sel1
Age o1
spose
Mont,ly
/eglar
e)penses
Gi!ited ter! B
=ne6ti!e e)6
penses
Mont,ly
/eglar &n6
co!e
=ne6ti!e
inco!e
&nco!e
1ro! Cor6
ps
/etire!ent
Corps
%%,22%,*"*
%3 %. 2*1,22* .,*"-,%1. "*,232 - 23%,2-3 "2,.31,**3
.- %* 233,%*3 3,3*. "3,-%3 - 23%,%-2 "2,"*1,.2.
.1 %2 31*,-%3 2,12" %-,23. - 23",.32 "2,-%.,1--
.2 %3 3"2,"2" 2,12" %2,231 - 232,"3% "*,32%,3.%
.3 .- 3.3,212 2,12" %",2.3 - 222,21% ".,23.,.33
." .1 333,"-3 *,33-,2"% %.,33. *,322,-.1 223,322 "",*"2,%%"
.% .2 "31,3%% 2,12" %3,23. - 21%,3.% "2,*3-,*33
.. .3 ".%,2." - .1,%22 - 2-.,313 "-,3%-,.*"
.* ." %-3,133 - .",-%2 - 13",2*2 3*,333,1-3
.2 .% %"3,323 - ..,.%1 - 1*3,"-- 33,..2,-32
.3 .. %2.,2%" - .3,3*" - 1.1,3.2 23,2*2,333
*- .* .33,2-2 - *2,233 - 133,*2- 2",-*3,132
*1 .2 .2",%-* - *%,23% - 11",2"1 1*,3**,12%
*2 .3 *33,2.* - *2,32* - 2",222 1-,2.3,*"1
*3 *- *32,"-3 - 21,.3* - "3,"2- 2,."",3%3
*" *1 2.2,221 - 2%,1*2 - 3,-23 6.,222,.*.
As yo can see 1ro! t,e ta5le a5o4e, t,e acc!lation 1ro! yor e)isting in4est!ents can
sstain till yor age o1 *3 # yor sposeKs age o1 *-. Fence, yo need to !a0e additional in6
4est!ent to 5ild t,e s,ort1all in retire!ent corps, in t,is scenario too.
Details o1 one6ti!e inco!e # e)penses
Age o1
Sel1
Particlars &nco!e @/s.A ()pense @/s.A
%3
Ftre Cale o1 Medical Contingency Fnd o1 /s. 1- la0, @in
todayEs 4ale # /epay!ent o1 personal loan
6 .,*3.,%"-
."
Acc!lation 1ro! reco!!ended in4est!ents 1or YEs
Marriage goal @&nco!eA< FC o1 YEs Marriage goal @()penseA
*,322,-.1 *,322,-.1
/eco!!ended Additional &n4est!ents 6 /etire!ent
T,e ta5le 5elo+ pro4ides t,e reco!!ended a!ont to 5e in4ested e4ery !ont, to acc!6
late t,e a5o4e s,ort1all in retire!ent corps.
Year Age
/eco!!ended Additional &n6
4est!ent per !ont, @in /s.A
2-12 3* -
2-13 32 -
2-1" 33 -
2-1% "- -
2-1. "1 3,1--
2-1* "2 12,123
2-12 "3 2.,31-
2-13 "" "*,.%*
2-2- "% .2,33*
2-21 ". *3,221
2-22 "* 22,231
2-23 "2 1-1,3--
2-2" "3 3.,-31
2-2% %- "","*2
2-2. %1 %*,22-
2-2* %2 ..,.2%
2-22 %3 3.,"32
2-23 %" 1-3,3*%
2-3- %% 123,.%2
2-31 %. 123,21%
2-32 %* 2-1,123
2-33 %2 22-,-%.
Note8 T,e a5o4e in4est!ents ,a4e to 5e !ade as per reco!!ended asset allocation till t,e
end o1 3 years 5e1ore retire!ent, to generate an a4erage net retrn o1 3.3-; p.a. For t,e last 3
years, t,e a5o4e in4est!ents ,a4e to 5e !ade into de5t instr!ents, to generate an a4erage
net retrn o1 .; p.a. Also, t,e acc!lated 1nds till t,en s,old also 5e !o4ed into de5t
instr!ents. T,is is to a4oid any 1lctations in e9ity instr!ents in t,e last 3 years leading to
retire!ent.
Gi1e &nsrance
Being ade9ately insred is essential to ,elp yor 1a!ilyBdependents lead an independent li1e6
style in t,e e4ent so!et,ing n1ortnate +as to ,appen to yo. T,e 1ollo+ing ,a4e to 5e con6
sidered +,ile e4alating yor li1e insrance needs8
Fa!ilyKs ()penses8 T,is is one o1 t,e !ost i!portant 1actors +,en deter!ining yor li1e insr6
ance co4erage. &1 yo are t,e sole earning !e!5er o1 yor 1a!ily, it is crcial to ,a4e a policy
t,at can replace yor inco!e or ta0e care o1 yor 1a!ilyKs e)penses. &t is i!portant to accont
1or in1lation.
=tstanding De5t8 All o1 yor de5ts s,old 5e paya5le in 1ll in case o1 yor de!ise. Fo!e
loans, car loans, credit card and ot,er loans s,old 5e paid o11 in 1ll.
Ftre =5ligations8 Yor c,ildKs 1tre edcation re9ire!ents, yor sposeKs needs etc ,a4e
to 5e considered +,en arri4ing at an ade9ate insrance co4er. &1 yor c,ild plans to prse an
MBA, ,eBs,e s,old 5e a5le to 1inancially ac,ie4e t,e goal e4en in yor a5sence.
Fa!ilyKs ()penses Annal A!ont @in /s.A
/eglar ()penses till Gi1eti!e %3",---
/eglar ()penses till li!ited ter! @C,ild sc,ooling e)6
penses, (M& # Gi1e insrance pre!i!s o1 sposeA
"3.,2.%
=tstanding De5t Crrent Cale @in /s.A
Personal Goan on Sel1 na!e 1,3--,---
Ftre =5ligations @$oalsA Crrent Cale @in /s.A
? 6 $radation 3,---,---
Y 6 $radation 3,---,---
? 6 Marriage 1,---,---
Y 6 Marriage 1,---,---
?BY 6 (dcation Fnd 1,---,---
Cas, 1lo+ scenario in case o1 an n1ortnate e4ent
&n case o1 an n1ortnate deat, o1 t,e pri!ary inco!e earner o1 t,e 1a!ily, t,e 1a!ily s,old
5e s11iciently insred to !anage t,e day6to6day e)penses and to ac,ie4e t,e 1tre goals. &n
addition, t,e sr4i4ing 1a!ily !e!5ers +ill ,a4e to pay t,e otstanding lia5ilities.
T,e ta5le 5elo+ +ill tell yo 1or ,o+ !any years yor 1a!ily +ill 5e a5le to sstain t,e a5o4e
re9ire!ents +it, yor e)isting net +ort, and insrance co4er, in case o1 an i!!ediate n1or6
tnate deat,.
Year
Age o1
spose
Spose
&nco!e
G!ps!
&nco!e
()isting &nsr6
ance Co4er
Fa!ily ()6
penses
Gia5ilities B
$oals
Net+ort,
2-,---,--- 1,3--,--- 2*,%*%,%--
2-12 3" %2","-- 3*-,2.% 22,*2%,313
2-13 3% %..,3%2 1,-2",1"% 23,323,%3-
2-1" 3. .11,..- 1,-21,.2* 31,13-,"3*
2-1% 3* ..-,%33 1,1"3,233 32,%-3,333
2-1. 32 *13,""- 1,21-,3%1 33,23-,"2%
2-1* 33 **-,%1. 1,223,"3* 3%,333,323
2-12 "- 232,1%* 1,3.1,*23 3.,2"2,.22
2-13 "1 232,*23 1,"".,2*2 32,"12,331
2-2- "2 3*-,.22 1,3"3,22- 1,%3*,%2% "1,"1",-*%
2-21 "3 1,-"2,2*2 1,%*%,*13 "3,2*.,3"1
2-22 "" 1,132,1"- "-2,33% 1,.22,22- "%,.31,%33
2-23 "% 1,222,*11 1,*3*,2"2 "*,.2*,-.1
2-2" ". 1,32-,%22 1,%.3,2*2 *,%%",%1- "2,13*,%3*
2-2% "* 1,"2.,1*1 1,.3-,1%- "",3.",-.%
2-2. "2 1,%"-,2." 1,*"*,"2. 1,%*.,23* "2,."2,212
2-2* "3 1,..3,"2% 1,*-2,31" 3,1*2,1.3 "2,-%*,2**
2-22 %- 1,*3.,%." 1,23*,223 1-,2**,222 33,23",.22
2-23 %1 1,3"-,223 1,32",12. "2,12%,"1%
2-3- %2 2,-3%,%13 2,1"2,2%- "","**,..*
2-31 %3 2,2.3,1%" 2,312,3.- ".,3%*,*"3
2-32 %" 2,""",2-. 2,"3*,32* ",..-,3%* "",.31,.32
2-33 %% 2,.33,*"2 1",*-2,331 2,.3.,""3 .1,*33,"3"
2-3" %. - 2,311,"23 .2,"21,222
2-3% %* - 3,1"3,*32 .2,23",133
2-3. %2 - 3,33",%.* .3,--%,3"1
2-3* %3 - 3,..%,".2 .2,3--,3-2
Year
Age o1
spose
Spose
&nco!e
G!ps!
&nco!e
()isting &nsr6
ance Co4er
Fa!ily ()6
penses
Gia5ilities B
$oals
Net+ort,
2-32 .- - 3,3%2,-23 .2,"*3,"%2
2-33 .1 - ",2*",--1 *,322,-.1 %3,23-,"33
2-"- .2 - ",.1%,2%1 %1,%32,-33
2-"1 .3 - ",3*%,"2% "3,3%-,-.2
2-"2 ." - %,3*3,"%3 ".,.1%,2-.
2-"3 .% - %,2-3,33% "3,2.-,%23
2-"" .. - .,2.*,.-2 33,212,%%3
2-"% .* - .,*.3,-11 3",33-,1.2
2-". .2 - *,31-,%31 22,*-","-2
2-"* .3 - *,23%,3*" 22,-%*,%**
2-"2 *- - 2,%2*,--" 1",3"2,"-*
2-"3 *1 - 3,2-3,1." %,""1,232
2-%- *2 - 3,3"%,23* 6",**",333
Details o1 l!ps! inco!e # lia5ilities B goals
Year Particlars
G!ps! &n6
co!e @/s.A
Gia5ilities B
$oals @/s.A
&!!ediate /epay!ent o1 personal loan 6 1,3--,---
2-2- Matrity o1 Ma) Ne+yor0 Gi1e policy 1,3"3,22- 6
2-22 Matrity o1 G&C policy "-2,33% 6
2-2" Ftre Cale o1 ?Es $radation 6 *,%%",%1-
2-2. Matrity o1 &C&C& Pr policy 1,*"*,"2. 6
2-2* Ftre Cale o1 ?BY ' (dcation Fnd 6 3,1*2,1.3
2-22 Ftre Cale o1 YEs $radation 6 1-,2**,222
2-32 Ftre Cale o1 ?Es Marriage 6 ",..-,3%*
2-33 PF acc!lation # e)pected gratity o1 spose 1",*-2,331 6
2-33 Ftre Cale o1 YEs Marriage 6 *,322,-.1
Action Plan
As can 5e seen 1ro! t,e ta5le a5o4e, yor 1nds +ill 5e s11icient to ac,ie4e yor goals and
also spport yor 1a!ilyKs e)penses till yor sposeKs age o1 *1. Fo+e4er, since yo e)pect t,e
li1e e)pectancy o1 yor spose to 5e 2-, it is crcial to ,a4e ade9ate insrance to ta0e care o1
,er e)penses 1or t,e re!aining 3 years.
=r /eco!!endation ' Sel18
A corps 4aling /s. 23,223,33% today, is re9ired 1or !eeting yor 1a!ilyKs e)penses,
a1ter ta0ing into accont any contining inco!e # e)clding yor personal e)penses, till
t,e li1eti!e o1 yor spose.
A corps 4aling /s. 1,3--,--- today, is re9ired 1or repaying yor lia5ilities.
A corps 4aling /s. 12,233,.-1 today, is re9ired to 1nd yor c,ildrenKs ,ig,er edca6
tion # !arriage goals.
&deal &nsrance Co4er @a1ter ta0ing assets into accontA to co4er yor 1a!6
ilyKs e)penses till yor sposeKs li1e e)pectancy, lia5ilities # goals
/s. 22,"21,"3.
()isting &nsrance Co4er /s 2-,---,---
Additional &nsrance Co4er re9ired /s. 2,"21,"3.
Note8 :e ,a4e inclded t,e li1e co4er o1 /s. 1 crore pro4ided 5y yor crrent e!ployer into
t,e e)isting insrance co4er. &1 yo are loo0ing to s,i1t yor e!ploy!ent in t,e 1tre, +e
sggest yo to c,ec0 t,e li1e insrance co4er pro4ided 5y yor ne+ e!ployer. Alternati4ely,
yo can loo0 at ta0ing a ,ig,er insrance co4er, i1 yo do not +ant to depend on yor crrent
e!ployerEs co4er.
=r /eco!!endation ' Spose8
:e do not reco!!end any additional li1e insrance co4er 1or yor spose, as t,e acc!lated
assets and yor 1tre inco!e +ill 5e s11icient to ta0e care o1 t,e 1a!ily e)penses till yor li1e
ti!e.
$eneral &nsrance
Apart 1ro! protecting yor li1e, t,ere are certain ot,er aspects li0e ,ealt, and assets +,ic, yo
need to protect. &n t,is section, +e +ill co4er t,e ot,er insrance co4ers +,ic, yo need to
,a4e 1or yo # yor 1a!ily.
Personal Accident &nsrance
:,ile co4ering ris0 o1 deat, t,rog, li1e insrance, t,ere is one !ore ris0 +,ic, e4ery indi6
4idal carries +,ic, is t,e ris0 o1 disa5ility de to accidents. Yo ,a4e to protect t,e loss o1
yor inco!e de to any disa5ility, 7st as in case o1 a deat,, to ensre yo and yor 1a!ily do
not s11er 1inancially and ,a4e !oney to spend 1or reglar e)penses, to repay lia5ilities and to
ac,ie4e yor c,ild goals. &t is ad4isa5le to ta0e a Personal Accident &nsrance, +,ic, +ill co4er
t,e ris0 o1 disa5ility and pay a part a!ont or 1ll a!ont o1 t,e s! assred, depending on
t,e e)tent o1 disa5ility.
T,e ideal a!ont to 5e co4ered s,old 5e t,e sa!e as yor li1e insrance re9ire!ent. Yo
can eit,er ta0e a rider o1 Personal accidental co4er +it, any o1 yor e)isting policies or else
yo can ta0e a standalone Personal Accidental Co4er.
Medical &nsrance
Medical &nsrance s,old 5e t,e ne)t t,ing on yor !ind. Yo s,old al+ays t,in0 a5ot !ed6
ical insrance 1or yo and yor 1a!ily. T,ere !ay not 5e s11icient resorces to ta0e care o1
yor !edical e)pense in case o1 any rgent !edical treat!ent. (specially in todayKs +orld
+,ere cost o1 !edical treat!ent is soaring, t,ese insrance proceeds +ill 5e 4ery !c, ,elp1l
in an e!ergency. &1 yo are co4ered nder a grop !edical insrance 5y yor e!ployer, yo
need to c,ec0 +,o all are co4ered in t,e plan # ,o+ !c, is t,e co4erage.
:e reco!!end yo to ta0e a separate 1a!ily 1loater !edical co4er 1or yor 1a!ily 1or an
a!ont o1 /s. " la0, and increase t,e co4er reglarly ' to /s. . la0, in % years, /s. 2 la0, in 1-
years and /s. 1- la0, in 1% years.
:e also reco!!end yo to create a !edical contingency 1nd o1 /s. 1- la0, @in todayEs 4aleA,
5y t,e ti!e yo retire, +,ic, can 5e sed 1or any !edical contingencies post retire!ent.
Critical &llness &nsrance
Medical insrance co4er sally co4ers only ,ospitaliDation e)penses @speci1ically +,ic, ta0es
2" ,ors or !ore in ,ospitalA and +ill 5e se1l in case o1 any e!ergencies li0e accident re6
lated in7ries, srgeries, etc.
Beyond t,is, t,ere are so!e critical illnesses +,ic, any indi4idal !ig,t 5e diagnosed +it, at
any point o1 ti!e dring t,e li1eti!e. &1 diagnosed, t,en t,e cost o1 treat!ent 1or t,ese critical
illnesses +ill 5e ,ge and ,as t,e potential o1 +iping ot t,e entire +ealt, o1 1a!ilies.
Since t,e cost o1 treat!ent 1or t,e critical illnesses is 4ery ,ig,, itKs essential 1or yo to ta0e a
Critical &llness co4er. T,is co4er +ill pay t,e entire s! assred, on diagnosis o1 any o1 t,e crit6
ical illness.
&n yor case, yo donKt ,a4e any critical illness insrance and can consider ta0ing one 1or 5ot,
yo and yor spose.
Fo!e &nsrance
&t is prdent on yor part to co4er yor p,ysical assets. T,e 4e,icles yo dri4e are co4ered
t,rog, !otor insrance, and t,e sa!e is also !andatory 5y la+. :,ile 4e,icles are !o4a5le
and t,e pro5a5ility o1 da!age B t,e1t is ,ig,er, t,e sa!e is !c, lo+er in case o1 a p,ysical as6
set li0e ,ose. Bt t,e e)tent o1 da!age !ig,t 5e !c, ,ig,er in a ,ose.
Fence, it is essential to ta0e a ,o!e insrance, +,ic, +ill co4er any loss to strctre and con6
tents de to 5ot, natral and !an !ade cala!ities inclding 1ire, eart,9a0e, e)plosion, lig,t6
ning, stor!s, 1loods, riots, stri0es, landslide, !issile testing operations, i!pact da!age, aircra1t
da!age, 5s, 1ire, lea0age 1ro! o4er,ead tan0s, etc. T,e contents are also co4ered against
t,e ris0 o1 5rglary.
&deally, t,e strctre o1 a ,ose needs to 5e co4ered 1or t,e re6constrction cost. /econstrc6
tion cost is de1ined as t,e cost incrred to reconstrct t,e ,ose i1 it is da!aged. T,e ideal
co4er can 5e arri4ed at 5y !ltiplying t,e 5ilt p s9are 1eet area and t,e constrction rate
per s9are 1eet.
:e reco!!end yo to get yor e)isting ,ose properties insred.
Cas, Flo+ till /etire!ent
Year
Age
o1
Sel1
Mont,ly Figres
G!p
S! &n6
1lo+s
G!p
S! =t6
1lo+s
Sa4ings
Balance
Total &n6
co!e
Gi4ing ()6
penses
@Caria5leA
Fi)ed ()6
penses @(M&Ks
I Gi1e &nsr6
ance Pre!i6
!sA
()isting &n6
4est!ents
/eco!.
Gi1e &nsr6
ance
/eco!.
Medical
&nsrance
/eco!.
Fo!e &n6
srance
/eco!. &n6
4est!ents
Sr6
plsB
De1icit
22%,---
2-12 3* 1.%,*-- .2,%-- "%,"33 3*,-23 1,%-- 1,2%- %-- 13,*1" 3,*2- 2"-,222
2-13 32 1*2,%3. *3,""- "%,"33 3*,-23 1,%-- 1,313 %"- 13,*1" %,%*3 3"3,32- .11,%.-
2-1" 33 132,%-. *3,31% "%,"33 3*,-23 1,%-- 1,3*2 %23 2",323 2,223 3"3,32- 2*.,%3.
2-1% "- 2-*,%-3 2%,..- "%,"33 3*,-23 1,%-- 1,""* .3- 2",323 11,"32 312,*13
2-1. "1 223,.33 32,%13 "%,"33 3*,-23 1,%-- 1,%13 .2- 33,"23 11,%"1 3%-,233
2-1* "2 2"1,1%1 33,31" "%,"33 3*,-23 1,%-- 2,333 *3% "2,"%3 11,."- 323,13"
2-12 "3 2%3,32" 1-*,3-* "%,"33 3*,-23 1,%-- 2,%13 *33 %1,23" 13,%2- 2%.,312 1,23-,.33
2-13 "" 22-,3-- 11.,%"- "%,"33 3*,-23 1,%-- 2,.32 2%* .-,2"2 1%,"-- 2%.,312 "2",3%3
2-2- "% 3-2,21* 12%,2.3 "1,2.. 3*,-23 1,%-- 2,**- 32% *%,%23 1*,22- %"1,-2.
2-21 ". 32%,2.3 13%,332 "1,2.. 3*,-23 1,%-- 2,3-3 1,--- 2*,-13 13,1.- .-3,32%
2-22 "* 3%1,3*" 1".,2-* "-,332 3%,--- 1,%-- ",-*2 1,-*3 1-1,"23 21,-"- .*3,"1*
2-23 "2 3*2,23* 1%2,%%1 "-,332 3%,--- 1,%-- ",2*. 1,1.. 11%,-32 22,32- *,%.1,%-2 2,311,-2-
2-2" "3 232,%"3 1%*,32. 2",232 3%,--- 1,%-- ","3- 1,2%3 "3,222 2",2-- *,%%",%1- 233,.22
2-2% %- 321,*2. 1.3,3*. 2",232 3%,--- 1,%-- ",*1" 1,3.- %*,.." 2.,.2- 323,3".
2-2. %1 3".,2%- 123,%*% 2-,*2. 3%,--- 1,%-- ",3%- 1,".3 *1,-*2 22,%.- 3,331,%2- ",3%3,-1*
2-2* %2 3*3,22. 132,2.1 2-,*2. 3%,--- 1,%-- .,"3* 1,%2. *3,2** 3-,""- 1-,2*2,.23 3,1*2,1.3 11,%*%,32-
2-22 %3 "-3,-"2 13%,2*3 2-,*2. 3%,--- 1,%-- .,221 1,*13 1-3,.23 32,32- 1-,2**,222 1,"1%,2"-
2-23 %" "3",%-. 21-,3-1 2-,*2. 3%,--- 1,%-- *,1.3 1,2%- 123,1.* 3",2-- 1,%"1,1-%
2-3- %% ".2,""2 22*,**3 1%,*2. 3%,--- 1,%-- *,%21 1,332 1"2,2"" 3.,-2- 1,.*%,33-
2-31 %. %-%,-%1 2"%,33% 1%,*2. 1-,--- 1,%-- *,23* 2,1%2 123,21% 3*,3.- ",..-,3%* .,"*3,12%
2-32 %* %"",%"% 2.%,.*% 1%,*2. 1-,--- 1,%-- 2,232 2,33- 2-1,123 33,2"- ",..-,3%* 1,3.3,2*.
2-33 %2 %2*,1%3 22.,323 1%,*2. 1-,--- 1,%-- 2,*-. 2,%1* 22-,-%. "1,*2- 22,23*,221 31,-22,--1
2-3" %3 22,23",3.3 2,13*,."*
Notes 1or Cas, Flo+
Total &nco!e
T,is incldes inco!e 1ro! yor salary, +,ic, ,as 5een in1lated at an a4erage rate o1 2; p.a.
T,is also incldes inco!e 1ro! yor sposeEs salary till ,er age o1 "%, +,ic, ,as 5een in1lated at an a4erage rate o1 2; p.a.
T,is also incldes rental inco!e o1 /s. 12,--- p.! @in todayEs 4aleA and ,as 5een in1lated at an a4erage rate o1 %; p.a.
Gi4ing ()penses
T,is incldes yor 4aria5le li4ing e)penses, +,ic, ,a4e 5een in1lated at an a4erage rate o1 2; p.a.
Fro! 2-2", sc,ooling e)penses o1 ? ,a4e 5een redced, as s,e !o4es into ,er gradation.
Fro! 2-22, sc,ooling e)penses o1 Y ,a4e 5een redced, as ,e !o4es into ,er gradation.
Fi)ed ()penses
Fro! 2-2", t,e e)isting ,o!e loan (M& o1 /s. 1%,%-- paid 5y yor spose is redced, as t,e repay!ent tenre is co!plete.
T,e li1e insrance pre!i!s ,a4e 5een redced 1ro! t,e 1i)ed e)penses, 1ro! t,e year t,ese policies !atre.
()isting &n4est!ents
T,is incldes t,e a!ont o1 e)isting in4est!ents going into PPF # Mtal Fnds.
Fro! 2-22, t,e in4est!ent o1 /s. 2%,--- p.a. going into PPF ,as 5een redced, as t,e PPF aBc !atres.
/eco!. Gi1e &nsrance
Fro! 2-12 till retire!ent, pre!i! o1 /s. 12,--- p.a ,as 5een pro4ided 1or t,e reco!!ended addl. li1e insrance co4er.
/eco!. Medical &nsrance
Fro! 2-12 to 2-1., pre!i! ,as 5een pro4ided 1or a 1a!ily 1loater !edical co4er o1 /s. " la0,.
Fro! 2-1* to 2-21, pre!i! ,as 5een pro4ided 1or a 1a!ily 1loater !edical co4er o1 /s. . la0,.
Fro! 2-22 to 2-2., pre!i! ,as 5een pro4ided 1or a 1a!ily 1loater !edical co4er o1 /s. 2 la0,.
Fro! 2-2* till retire!ent, pre!i! ,as 5een pro4ided 1or a 1a!ily 1loater !edical co4er o1 /s. 1- la0,.
/eco!. Fo!e &nsrance
Fro! 2-12, a pre!i! o1 /s. .,--- p.a. ,as 5een pro4ided 1or insring yor e)isting ,ose properties.
/eco!. &n4est!ents
T,is s,o+s t,e a!ont o1 in4est!ents reco!!ended to acc!late s,ort1all in yor goals # retire!ent corps.
Srpls B De1icit
T,is s,o+s t,e srpls B de1icit per !ont, e4ery year, a1ter yor e)penses, e)isting and reco!!ended in4est!ents. 2%; o1 t,e
sa!e is ass!ed to 5e par0ed into yor Sa4ings Ban0 aBc. T,e 5alance *%; o1 t,e srpls can 5e sed 1or any !iscellaneos e)6
penses.
Sain4gs Balance
T,e opening 5alance o1 /s. 22%,--- co!prises /s. 2 la0, 1ro! FD # /s. 2%,--- 1ro! SB, +,ic, ,a4e to 5e 0ept 1or any contingencies.
2%; o1 t,e srpls gets added into yor Sa4ings Ban0 aBc # t,e Sa4ings 5alance gets 5ilt at a retrn o1 3; p.a.

G!p s! &n1lo+s # =t1lo+s
Year Particlars &n1lo+ @/s.A =t1lo+ @/s.A
2-13 Acc!lation 1ro! reco!!ended in4est!ents to+ards Cacation61 goal 3"3,32- 6
2-1" A!ont tiliDed 1or Cacation61 goal 6 3"3,32-
2-12 Acc!lation 1ro! reco!!ended in4est!ents to+ards Cacation62 goal 2%.,312 6
2-13 A!ont tiliDed 1or Cacation62 goal 6 2%.,312
2-23 Acc!lation 1ro! e)isting in4est!ents to+ards ?Ks $radation *,%.1,%-2 6
2-2" A!ont tiliDed 1or ?Ks $radation 6 *,%%",%1-
2-2. Acc!lation 1ro! e)isting &n4est!ents to+ards ? B YEs (dcation Fnd 3,331,%2- 6
2-2* A!ont tiliDed 1or ? B YEs (dcation Fnd 6 3,1*2,1.3
2-2* Acc!lation 1ro! e)isting in4est!ents to+ards YKs $radation 1-,2*2,.23 6
2-22 A!ont tiliDed 1or YKs $radation 6 1-,2**,222
2-31 Acc!lation 1ro! e)isting # reco!!ended in4est!ents to+ards ?Ks Marriage ",..-,3%* 6
2-32 A!ont tiliDed 1or ?Es Marriage 6 ",..-,3%*
2-33 Acc!lation 1ro! ()isting &n4est!ents and reco!!ended in4est!ents to+ards retire!ent 22,23*,221 6
2-3" A!ont tiliDed 1or post6retire!ent e)penses 6 22,23",3.3
Action Plan
&nsre yor li1e 1or an additional a!ont o1 /s. 2% la0,.
Ta0e a 1a!ily 1loater !edical insrance co4er 1or yor 1a!ily 1or /s. " la0, and increase t,e sa!e reglarly.
&nsre yor e)isting ,ose properties.
Maintain a contingency 1nd o1 at least 3 !ont,sE e)penses in yor Sa4ings 5alance.
/edce t,e 4ale o1 yor Cacation61 goal @2 yearsA to /s. 3 la0, @in todayEs 4aleA.
Postpone yor retire!ent 5y 3 years to yor age o1 %2, i1 yo +ant to spend t,e desired post6retire!ent e)penses # acco!!odate yor Ca6
cation62 goal @* yearsA.
Create a !edical contingency 1nd o1 /s. 1- la0, @in todayEs 4aleA 5y t,e ti!e yo retire.
Start in4esting 1or acc!lating t,e s,ort1all in yor goals and retire!ent corps # start paying insrance pre!i!s as per t,e ta5le
pro4ided in t,e ne)t page.
Year
/eco!!ended Additional &n4est!ents # &nsrance pre!i!s per !ont, @in /s.A
/eco!. Gi1e
&nsrance
/eco!. Medical
&nsrance
/eco!. Fo!e
&nsrance
Cacation61
? 6 Mar6
riage
Y 6 Mar6
riage
Cacation62 /etire!ent Total
2-12 1,%-- 1,2%- %-- 13,*1" - - - - 1.,3."
2-13 1,%-- 1,313 %"- 13,*1" - - - - 1*,-..
2-1" 1,%-- 1,3*2 %23 6 ",3"3 2,2"3 11,132 - 2*,*2%
2-1% 1,%-- 1,""* .3- 6 ",3"3 2,2"3 11,132 - 2*,3--
2-1. 1,%-- 1,%13 .2- 6 ",3"3 2,2"3 11,132 3,1-- 3*,123
2-1* 1,%-- 2,333 *3% 6 ",3"3 2,2"3 11,132 12,123 "*,-2-
2-12 1,%-- 2,%13 *33 6 ",3"3 2,2"3 11,132 2.,31- %.,-"-
2-13 1,%-- 2,.32 2%* 6 ",3"3 2,2"3 6 "*,.%* .%,2""
2-2- 1,%-- 2,**- 32% 6 ",3"3 2,2"3 6 .2,33* 2-,*2"
2-21 1,%-- 2,3-3 1,--- 6 ",3"3 2,2"3 6 *3,221 32,"21
2-22 1,%-- ",-*2 1,-*3 6 ",3"3 2,2"3 6 22,231 1-2,13"
2-23 1,%-- ",2*. 1,1.. 6 ",3"3 2,2"3 6 1-1,3-- 122,-33
2-2" 1,%-- ","3- 1,2%3 6 ",3"3 2,2"3 6 3.,-31 %.,"*1
2-2% 1,%-- ",*1" 1,3.- 6 ",3"3 2,2"3 6 "","*2 .%,232
2-2. 1,%-- ",3%- 1,".3 6 ",3"3 2,2"3 6 %*,22- *2,33-
2-2* 1,%-- .,"3* 1,%2. 6 ",3"3 2,2"3 6 ..,.2% 23,".-
2-22 1,%-- .,221 1,*13 6 ",3"3 2,2"3 6 3.,"32 113,*2"
2-23 1,%-- *,1.3 1,2%- 6 ",3"3 2,2"3 6 1-3,3*% 133,.2-
2-3- 1,%-- *,%21 1,332 6 ",3"3 2,2"3 6 123,.%2 1%3,2.3
2-31 1,%-- *,23* 2,1%2 6 6 6 6 123,21% 13%,3*-
2-32 1,%-- 2,232 2,33- 6 6 6 6 2-1,123 213,3-%
2-33 1,%-- 2,*-. 2,%1* 6 6 6 6 22-,-%. 232,**3
Disclai!er
&C&C& Secrities Gtd., AMF& /egn. No.8 A/N6-2"%, Corporate Agent o1 &C&C& Prdential # &C&C& Go!5ard,
Co!posite Corporate Agent Gicense No. 2.1333-. /egistered o11ice o1 &6Sec is at &C&C& Secrities Gtd. 6
&C&C& Centre, F. T. Pare0, Marg, C,rc,gate, M!5ai 6 "---2-, &ndia. Please note t,at Mtal Fnd &n6
4est!ents are s57ect to !ar0et ris0s, read t,e o11er doc!ent care1lly 5e1ore in4esting 1or 1ll nder6
standing and detail. Lindly read t,e /is0 Disclosre Doc!ents care1lly 5e1ore in4esting in (9ity
S,ares, Deri4ati4es or ot,er instr!ents traded on t,e Stoc0 ()c,anges. &nsrance is t,e s57ect !atter
o1 solicitation. &C&C& Secrities Gtd. does not nder+rite t,e ris0 or act as an insrer. T,e contents ,erein
a5o4e s,all not 5e considered as an in4itation or persasion to trade or in4est. &n4estors s,old !a0e in6
dependent 7dg!ent +it, regard sita5ility, pro1ita5ility, and 1itness o1 any prodct or ser4ice o11ered
,erein a5o4e. &6Sec and a11iliates accept no lia5ilities 1or any loss or da!age o1 any 0ind arising ot o1
any actions ta0en in reliance t,ereon. T,e contents !entioned ,erein a5o4e !ay not 5e sed or con6
sidered as an o11er doc!ent or solicitation o1 o11er to 5y or sell or s5scri5e 1or secrities or ot,er 1in6
ancial instr!ents.
Yo ac0no+ledge t,at t,e /is0 Pro1ile /eport and 1inancial plan sggested to yo is 5ased on t,e in6
1or!ation pro4ided 5y yo to &6Sec and on certain ass!ptions as stated in t,e /eport. T,e sggested
1inancial plan to ac,ie4e yor 1inancial goals !ay not 5e accrate or yield e)pected reslts i1 t,e in1or!6
ation pro4ided 5y yo is incorrect or any o1 t,e ass!ptions !ade are rendered in4alid de to ncon6
trolla5le e)ternal 1orces li0e c,ange in interest rates, c,ange in go4ern!ent policies, etc. &6Sec is not en6
gaged in rendering in4est!ent or 1inancial ad4ice, and yo ac0no+ledge and agree t,at t,e in1or!ation,
reports and ot,er otpts pro4ided 5y &6Sec do not constitte t,e pro4ision o1 1inancial ad4ice or in4est6
!ent strategy reco!!endations 1or a client in any speci1ic sitation. Yo ac0no+ledge t,at yo +ill e)6
ercise yor o+n independent 7dg!ent in sing any o1 t,e in1or!ation and reports pro4ided 5y &6Sec
and t,at yo +ill condct separate researc, into t,e sita5ility o1 t,e Prodct 1or a particlar 1inancial
sitation, circ!stances, attitdes, !oti4ations and pre1erences. &6Sec does not garantee or represent
t,at t,e Prodct assesses a clientEs crrent state o1 !ind or +ill predict a clientEs 1tre state o1 !ind or
5e,a4ior. Yo ,a4e not relied on any representation !ade 5y &6Sec +,ic, ,as not 5een e)pressly
stated ,erein or pon any descriptions or illstrations or speci1ications contained in any doc!ent in6
clding cataloges or p5licity !aterial pro4ided 5y &6Sec. Yo agree to generally co!ply +it, t,e in6
strctions and !aterials pro4ided 5y &6Sec 1or t,e se o1 t,e Prodct B /eport. T,e 1actors, ot,er t,an
personality, +,ic, in1lence ris0 tolerance inclde 1inancial 0no+ ,o+ and e)perience, as +ell as per6
sonal, 1a!ily and +or0 sitations and aspirations. &1 t,ere is a signi1icant c,ange in any o1 t,ese, ris0 tol6
erance s,old 5e re6tested. T,is re6testing is not only 1or yor s5se9ent decision6!a0ing 5t also 1or
re4ie+ o1 decisions !ade 5e1ore t,e c,ange. &t is ad4isa5le yor ris0 tolerance s,old 5e re6tested
e4ery t+o or t,ree years as it !ay c,ange slo+ly +it, age. &6Sec cannot endorse or spport any speci1ic
decision yo !ay !a0e 5ecase +e are not pri4y to all t,e ot,er in1or!ation t,at e11ecti4e 1inancial de6
cision !a0ing re9ires.

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