Family financial plan

Private and Confidential ARB Financial Consultants

Family Financial Planning Service

For : Kumar and Kumari

Planning year Feb 2013 to Jan 2014

Strictly Private & Confidential

A Plan designed by

Plan By : Ashish Ramesh Bhave CFPCM of 43

Sr. No. Page no.

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Liabilities.

Last page

Real estate.

Tangible assets.

Liquid assets.

Life insurance.

Health insurance.

General insurance.

Personal details.

Regular income and regular expenses.

Equity investments.

MF investments.

Retrial's.

Fixed income instruments.

PF calculations.

Retirement expense calculations.

Other goals calculations.

Financial goals at a glance.

Life cash flow at a glance.

Data & ARB's recommendations - Cover.

Life insurance need analysis.

Contingency fund calculation.

Child Education & marriage funding calculations.

Car Purchase calculations.

International tour calculations.

Retirement planning.

Investment - Graphical for planning year.

Financial assessment & goals quantification - Cover

Data & assumptions for plan construction.

Net-worth statement.

Financial assessment - Graphical representation - 1.

Financial assessment - Graphical representation - 2.

Cover - Planned financial goals.

Planned financial goals.

Financial planner's summery - Cover

Financial planner's comment.

Action plan for the planning year.

Investment strategy for planning year.

Family financial plan

Table of contents.

Description

Disclaimer and Disclosures.

Family financial plan - Scope of work.


Disclaimer

A Financial Plan is a generic direction to your cash flows over a period of time. Your future financial

condition may alter due to changes in income/expense patterns, new family commitments, macro

economic scenario etc. which may prompt you to alter some aspects of your goals and add new goals.

Therefore this Financial Plan and the Cashflows depicted in it should be used to give you a long term

direction for managing your personal finances while taking immediate actions as a step towards

accomplishing your financial objectives.

These recommendations are subject to review at the time when you are actually taking actions as

recommended because of changes in legal circumstances, economic conditions etc. If considerable time has

elapsed since the date of this plan, you should not act on any specific recommendation without further

consideration with the planner.

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 manual-computer 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.



Scope of Work For Family Financial Planning consultancy

Service.

Life Goals

Insurance Planning (Need based analysis Method )

Contingency Planning & Funding

Children Higher education & Marrige Exp. Planning

Retirement Planning

Purchase of House

Purchase of Car

International Vacation

Analysis

Inflow/Outflow

Assets/Liabilities

Life Cashflows & Goal feasibility study

Insurance Policies

Mutual Funds

Equity Portfolio

Debt Instruments

Further to the Data Gathering Meeting held, we shall be covering the following in the your Personal

Financial Plan to give you Financial Planning Recommendations & a Goal-Oriented Investment

Strategy;



Planned Financial Goals



Planned financial Goals

Child 1 Education / Name of child Little angle

Particulars Present value of expenses At Age Years till expenses Priority

Graduation 10,00,000 18 High

PG 30,00,000 22 High

Marriage 15,00,000 26 High

Vehicle 65,000 18 High

Child 2 Education / Name of child 0

Particulars Present value of expenses At Age Years till expenses Priority

Graduation 18 High

PG 22 High

Marriage 25 High

Bike / Scooter 18 High

Retirement @ age Choice of Std. of livingReduction in exp. Post

retirement in %Priority

55 Maintining Std. of living High

Medical corpus 10,00,000 High

Tours Cost of tour as on today Frequency of Tour first Such Exp. After Priority

International tours 5,00,000 5 8 High

Car Cost of car as on today Frequency of Change first Such Exp. After Priority

Car 1 7,00,000 5 5 High

Other goals Cost of exp. as on today years from now Priority

International tour 3,00,000 2

Farm house 25,00,000 10



Financial Planner's Summary



Sr. No Goals Year of goal Future value of Goal Goal can be achived

1 Graduation Feb-31 65,43,553 Yes Successfully

2 PG Feb-35 87,75,782 Yes Successfully

3 PG Feb-39 2,26,19,797 Yes Successfully

4 Vehicle Feb-31 1,31,678 Yes Successfully

1 Graduation Feb-31 0 Yes Successfully

2 PG Feb-35 0 Yes Successfully

3 Marriage Feb-38 0 Yes Successfully

4 Bike / Scooter Feb-31 0 Yes Successfully

1 Retirement Fund Feb-36 11,76,74,283 Yes Successfully

1 Intenational tour Feb-21 11,52,269 Yes Successfully





6 Intenational tour Feb-46 1,56,54,107 Yes Successfully

1 Car 1 Yes Successfully

2 Car 2 Yes Successfully

1 International tour Feb-15 3,73,608 Yes Successfully

2 Farm house Feb-23 74,88,833 Yes Successfully

2 0 Feb-13 0 Yes Successfully

2 0 Feb-13 0 Yes Successfully

Other golals

Changes as desiered

Car

Planner's Comment


Little angle

0

Retirement funding

Tours

children education and other expanses



Sr. No Description Need Calculation criteria Amount / Action to takeC

on

tin

ge

ncy

Contingency Fund

This is the fund required

as a support to Families

requirements in

emergencies.

6 X (monthly Household Exp +

Monthly Life style exp. + Monthly

committed Exp. Like insurance

premiums, EMI Etc.)

Rs. 5,07,000/- to be maintained ( Savings Flexi Fix

a/c & FD )

Medical Insurance To protect our existing

asset. The Life style of Individual & Age.

Have to take a family floater plan. cover : 3 Lac, the

plan suggested to you is Optima restore-Floater

from Apollo munich.

Accidental & Disability Policy To protect our existing

asset.

For earning member in the family.

Monthly income X 75

Personal accident and Disability plan of Rs. 1crore

for you, the plan suggested to you is PA premium

plan -Apollo munich.

Te

rm L

ife

insu

ran

ce

Self To protect the important

financial goals & liabilities

Creation of Fund to take care of Basic

Financial Goals & liabilities less

Existing life insurance.

Take additional cover of Rs. 1 crores for 15 years,

we recommend you to buy online term insurance

plan from HDFC life insurance or ICICI prudential

life insurance.

Life insurance Investments to be made

in Efficient way Yield from investment Continue existing life insurance policies

FD's Cope up with possible

needs Existing financial and social situation Continue till maturity.

Equity investment optimisation of

investments Management in efficient way .

Gradually Liquidate portfolio to enter in the ARB's

suggested portfolio.

Mutual funds optimisation of

investments Management in efficient way .

Gradually Liquidate portfolio to enter in the ARB's

suggested portfolio.

Re

al

est

ate

Existing real estate optimisation of cash

flows

Returns from the property and need

of cash flowHold

ARB's Portfolio Mutual funds SIP amount Execution No. of SIP's per month

ICICI focused bluechip fund 3200 Once in a month 1

DSPBR top 100 equity fund 3,500 Once in a month 1

IDFC Premier equity fund 6,000 Once in a month 1

HDFC midcap opportunities 4000 Once in a month 1

SBI Magnum emerging business - Growth 5,000 Twice in a month 2

ICICI dynamic fund 3200 Once in a month 1

UTI Dividend yield fund 3,500 Once in a month 1

DSPBR small and midcap fund 2,200 Once in a month 1

Debt. ( FD's) Bank Fixed deposits 78,786 One time investment NA

Commodity ( Gold ) Gold ETF of any company. 2,200 Once in a month 1

Actions to be taken - Planning year Feb 2013 to Jan 2014

Financial plan - Protection system.G

en

era

l In

sura

nce

Financial Plan - Existing Investment

Fix

ed

In

com

e

inst

rum

en

t

Part of contingency fund to be kept in FD.

Eq

uit

y a

nd

MF

inv

est

me

nts

Particulars

New investments in this financial planning year.

Mutual Funds

Your spouse's salary is taken in to consideration from year 2015 and the amount considered is Rs.3,00,000/- as then. The growth in salary is considered @ 8% from then.

The additional income of Rs.1,20,000/- is considered as rental income as you are expecting to rent out the property you have.

Cash flow changes, made on the basis of information given by you.

Accumulation in this year

In this year you are expecting investible surplus of Rs. 4,45,600/- . The investment plan would be designed separately for the amounts as and when these are available.

Part of contingency fund to be kept in Savings a/c. 2,07,000/- made available for this goals in current year

Amount needed

5,00,000/- made available for this goals in current year

Goals in this year



Weekly SIP Amount Yearly amount

3,200 38,400

3,500 42,000

6,000 72,000

4,000 48,000

5,000 1,20,000

3,200 38,400

3,500 42,000

2,200 26,400

2,200 26,400

Nationlised Bank 3,00,000 Part of Contingency Fund

Savings A/C with Auto

sweep facility 2,07,160 Part of Contingency Fund

Nationlised Bank 78,786 Debt Portion of asset

allocation

Total Debt 5,85,945

Investment Product recommnendation

Bank FD

Available funds for regular investment 5,32,386

Total Equity & Gold 4,53,600

ICICI dynamic fund

Net asset 5,32,386

Investment strategy

Planning year Feb 2013 to Jan 2014Investment Statistics

Existing Financial Asset 10,39,545

Goals Funding for current year. 5,07,160

UTI Dividend yield fund

DSPBR small and midcap fund

Gold ETF of any company.

Products

ICICI focused bluechip fund

DSPBR top 100 equity fund

IDFC Premier equity fund

HDFC midcap opportunities

SBI Magnum emerging business - Growth



Asset Class Amount investment % Distribution

Large cap Equity 80,400 15%

Midcap Equity 2,40,000 45%

Small cap Equity 26,400 5%

Opportunity Equity 80,400 15%

Gold 26,400 5%

Debt 78,786 15%

Total 5,32,386 100%

Investment strategy


Large cap Equity

15%

Midcap Equity

45%

Small cap Equity

5%

Opportunity Equity

15%

Gold

5%

Debt

15%

Investment strategy



Financial assessment & Goals quantification


Particulars

Client

Date of Birth

Current Age

Retirement Age

Life Expectancy

% Income Increase

Dependents

Particulars Child-1 Child-2 Father Mother

Name Little angle

Date of Birth 15-10-2012

Current Age 0

Real estate Auto. International tour Education Rental Income

14% 4% 11% 11% 6%

Investment

StrategyAggressive Cautious Conservative Protective

Expected returns 15% 12% 10% 8%

Plan Date

16-Feb-13 Growth rate

Economic InflationInflation Post

retirement

Post tax return post

retirement Life style inflation Foreign education

11.60% 8% 9% 11% 5%

Growth rate assumptions

Portfolio Return Assumptions

Other Assumptions

80

Self Spouce

Kumar Kumari

8%

The above said portfolio return assumptions are just indicative figures and are not guarantee of the

returns, returns are subject to financial market risks.

Data & Assumptions For Financial plan structuring

06-Sep-80 05-Jan-83

8%

32 30

55 52

80



Particulars Total Percentage

Residential Property 40,00,000

Vehicle 0

Jewellery 0

Inheritance of Wealth 0

Others 0

Personal Assets 40,00,000 34%

Savings Bank/Cash in Hand 4,00,000

Receivables 0

Total Liquid Assets 4,00,000 3%

Fixed Deposits 4,78,323

PPF (Public Provident Fund) 1,50,480

EPF + Superannuation +

Gratuity0

NSC / POMIS / KVP / RDs etc 0

Debt Mutual Funds 0

Traditional Insurance Policies

SV0

Bonds/Debentures/CDs 0

Total Debt Assets 6,28,803 5%

Direct Equity 1,49,298

Equity & Hybrid Mutual Funds 4,90,247

Unit-linked Insurance Policies

SV0

Total Equity Assets 6,39,545 5%

Gold/Silver (ETFs, MF, Bars) 0 0%

Real Estate 60,00,000 51%

Total Assets 1,16,68,348 100%

Home Loan 27,00,000

Vehicle Loan 2,98,000

Personal Loan 0

Total Liabilities 29,98,000 26%

Networth (Assets-Liabilities) 86,70,348 74%

Networth Statement



%

Networth 86,70,348 74%

Total Liabilities 29,98,000 26%

Total Assets 1,16,68,348 100%

%

Monthly Income 1,25,000 100%

Monthly Exp. 80,943 65%

Investible Surplus 44,057 35%

Networth

ARB's Comment : The Solvency ratio is very Good .

Requested to maintain the same.

Monthly Cashflow

ARB's Comment : The expenses are with in limits &

investible surplus ratio is healthy, a good sign.

Financial assessment - graphical representation.

Monthly Income Monthly Exp. Investible Surplus

1,25,000

80,943

44,057

Monthly Cashflow

Networth Total Liabilities Total Assets

74%

26%

100%

Networth



Existing investment portfolio %

Debt 6,28,803 9%

Equity 6,39,545 9%

Commodity 0 0%

Cash 4,00,000 5%

Real estate 57,02,000 77%

Total Assets 73,70,348 100%

%

Income 1,25,000 100%

Household

Expenses15,000 12%

Lifestyle Expenses 22,100 18%

Dependents

Expenses0 0%

Pure Insurance

Premiums1,843 1%

Loan Serving 42,000 34%

Regular

Investments9,583 8%

Surplus 34,473 28%

ARB's Comment : Proportion to House hold and Life style expenses are in

the limits, Loan serving to Income is with in limits, Good investible surplus

ratio.

Current Income - Expenses distribution

ARB's Comment : The Investment portfolio is having a real estate majorly,

no added exposure to real estate is suggested, very less exposure to

equity, debt and no to commodity. Imbalanced portfolio have to build

equity, Debt and commodity in portfolio.

Financial assessment - graphical representation.

Debt

9%

Equity

9%

Cash

5%

Real estate

77%

Existing investment portfolio

Household

Expenses

12%

Lifestyle

Expenses

18%

Dependents

Expenses

0%

Pure

Insurance

Premiums

1%

Loan Serving

34%Regular

Investments

8%

Surplus

27%

Current income and expenses

distribution



Type Description Present value of Financial goals

Child higher Education 41,76,593

Retirement 50,80,350

Contingency Fund 0

Other goals 0

Household Exp. 34,87,077

Life style Exp. 51,37,627

Dependent's exp. 8,73,885

Loans 29,98,000

Total liability 2,17,53,533

Existing Asset 10,39,545

Additional required 2,07,13,988

Insurance cover requiredIncomewise breck up of

insurance coverExisting insurance cover Additional insurance required

Self 2,07,13,988 1,00,00,000 1,07,13,988

Spouse 0 0 0

Life insurance need analysis

Goals

Liabilities

This is a calculation of your life

insurance requirement, here we

have considered the

nonnegotiable expenses in your

life the figures you are able to see

are discounted figures of all the

expenses @ 10%.

Existing Asset

5%

Additional required

95%

Life insurance need analysis



Contingency Fund

Particulars Amount

Current Monthly Expenses

Household Exp. 15,000

Life style exp 22,100

Commited Exp. 0

Insurance premiums 5,427

Loan EMI 42,000

Total Monthly Expenses 84,527

Contingency Funding Requirement

Contingency Period (No. of Months) 6

Contingency Funds 5,07,160

Planners Comment : This is the Fund which is required to be maintained in the

easily accassible form. This will help a Family to Sustain in any type of

contingency.

You are requested to maintain 6 months expenses as liquidity with you, this

table gives you calculation of the fund required considering your fixed, non

negotiable expenses per month.



Child-1 Name

Goal Graduation PG Marriage Bike / Sotter

Goal @ Age 18 22 26 18

Years to Goal 18 22 26 18

Current Value 10,00,000 30,00,000 15,00,000 65,000

Year OF Goal Feb-31 Feb-35 Feb-39 Feb-31

Future value of

Goal65,43,553 87,75,782 2,26,19,797 1,31,678

Child's Education.

Children's Future

Little angle

You are planning to educate your child as per his/her major milestones in

education. This table will give you the idea of year of goal and amount required

at that time.



Car 1

Year to buyToday's price of a

Car

Future Projected price

of a carYear Count

15-Feb-18 7,00,000 8,51,657 5

14-Feb-23 7,00,000 10,36,171 10

13-Feb-28 7,00,000 12,60,660 15

11-Feb-33 7,00,000 15,33,786 20

10-Feb-38 7,00,000 18,66,085 25

Car 2

Year to buyToday's price of a

Car

Future Projected price

of a carYear Count

0

You are planning to buy cars in the respective years as per given table ( the

1st column.), and the third column will give you the amount required for the

same.

You are planning to buy cars in the respective years as per given table ( the 1st

column.), and the third column will give you the amount required for the

same.

Car Purchase Planning



Year to tourToday's price of

Tour

Future Projected

priceYear Count

Feb-21 5,00,000 11,52,269 8

Feb-26 5,00,000 19,41,640 13

Feb-31 5,00,000 32,71,776 18

Feb-36 5,00,000 55,13,134 23

Feb-41 5,00,000 92,89,951 28

Feb-46 5,00,000 1,56,54,107 33

Feb-51 5,00,000 2,63,78,081 38

You are planning to visit different destinations in the world, in the respective years as per given in above table ( the 1st

column.), and the third column will give you the amount required for the same.

International Tours



Retirement Planning

Particulars Amount Remarks/Notes

Current Expenses

Household Exp. 15,000

Life style exp. 22,100

Dependent Exp. 0

Total Monthly Expenses 37,100

Total Annual Expenses 4,45,200

Future Expenses at Retirement

Retirement Age 55

Reduction in Exp. 25%Reduction is considered as family

size will reduce to 2 from 3.

Inflation 11.60%

No. of Years for Retirement 23

Retirement Year Feb-36

Expenses in the First Year of

Retirement41,63,963

Corpus Required to Fund Retirement

Expenses

No. of Years in Retirement 25

Inflation during Retirement Years 8.00%

Tax adjusted Investment Returns on

Retirement Corpus9.00%

Net Returns 0.93%

Retirement Corpus Required

considering rental income10,66,48,016

Medical corpus

Amount at present value 10,00,000

Inflation 11%

Amount at the time of retirement 1,10,26,267

Total Corpus required

Retirement Fund ( Cost of living ) 10,66,48,016

Medical corpus 1,10,26,267

Total 11,76,74,283

Retirement benefits ( less ) 4,18,55,962

Additional funding required 7,58,18,321


Self

PF

41855962.09

Year Self's AgeCorpus @

BOY

Monthly

contri.

Corpus @

EOY

Feb-13 32 1,50,480.00 25,000 4,74,707

Feb-14 33 4,74,707 27,000 8,51,322

Feb-15 34 8,51,322 29,160 12,86,756

Feb-16 35 12,86,756 31,493 17,88,145

Feb-17 36 17,88,145 34,012 23,63,404

Feb-18 37 23,63,404 36,733 30,21,300

Feb-19 38 30,21,300 39,672 37,71,548

Feb-20 39 37,71,548 42,846 46,24,900

Feb-21 40 46,24,900 46,273 55,93,256

Feb-22 41 55,93,256 49,975 66,89,774

Feb-23 42 66,89,774 53,973 79,29,004

Feb-24 43 79,29,004 58,291 93,27,021

Feb-25 44 93,27,021 62,954 1,09,01,581

Feb-26 45 1,09,01,581 67,991 1,26,72,289

Feb-27 46 1,26,72,289 73,430 1,46,60,784

Feb-28 47 1,46,60,784 79,304 1,68,90,937

Feb-29 48 1,68,90,937 85,649 1,93,89,079

Feb-30 49 1,93,89,079 92,500 2,21,84,238

Feb-31 50 2,21,84,238 99,900 2,53,08,406

Feb-32 51 2,53,08,406 1,07,893 2,87,96,834

Feb-33 52 2,87,96,834 1,16,524 3,26,88,348

Feb-34 53 3,26,88,348 1,25,846 3,70,25,703

Feb-35 54 3,70,25,703 1,35,914 4,18,55,962

Feb-36 55 4,18,55,962 1,46,787 4,72,30,920

Feb-37 56 4,72,30,920 1,58,530 5,32,07,562

Feb-38 57 5,32,07,562 1,71,212 5,98,48,568

Feb-39 58 5,98,48,568 1,84,909 6,72,22,867

Retirement benefits

Maturity amount

Year Age self Age spouse Corpus @ BOY Passive income Other exp. Expenses Corpus @ EOY

Feb-36 55 53 10,66,48,016 4,32,424 41,63,963 11,21,78,960

Feb-37 56 54 11,21,78,960 4,58,370 44,97,080 11,78,72,872

Feb-38 57 55 11,78,72,872 4,85,872 48,56,847 12,37,17,069

Feb-39 58 56 12,37,17,069 5,15,024 52,45,394 12,96,95,502

Feb-40 59 57 12,96,95,502 5,45,926 56,65,026 13,57,88,278

Feb-41 60 58 13,57,88,278 5,78,682 61,18,228 14,19,71,117

Feb-42 61 59 14,19,71,117 6,13,402 66,07,686 14,82,14,748

Feb-43 62 60 14,82,14,748 6,50,207 71,36,301 15,44,84,233

Feb-44 63 61 15,44,84,233 6,89,219 77,07,205 16,07,38,208

Feb-45 64 62 16,07,38,208 7,30,572 83,23,782 16,69,28,049

Feb-46 65 63 16,69,28,049 7,74,406 89,89,684 17,29,96,920

Feb-47 66 64 17,29,96,920 8,20,871 97,08,859 17,88,78,736

Feb-48 67 65 17,88,78,736 8,70,123 1,04,85,568 18,44,96,988

Feb-49 68 66 18,44,96,988 9,22,330 1,13,24,413 18,97,63,446

Feb-50 69 67 18,97,63,446 9,77,670 1,22,30,366 19,45,76,718

Feb-51 70 68 19,45,76,718 10,36,330 1,32,08,795 19,88,20,636

Feb-52 71 69 19,88,20,636 10,98,510 1,42,65,499 20,23,62,475

Feb-53 72 70 20,23,62,475 11,64,421 1,54,06,739 20,50,50,971

Feb-54 73 71 20,50,50,971 12,34,286 1,66,39,278 20,67,14,118

Feb-55 74 72 20,67,14,118 13,08,343 1,79,70,420 20,71,56,724

Feb-56 75 73 20,71,56,724 13,86,844 1,94,08,054 20,61,57,711

Feb-57 76 74 20,61,57,711 14,70,055 2,09,60,698 20,34,67,103

Feb-58 77 75 20,34,67,103 15,58,258 2,26,37,554 19,88,02,709

Feb-59 78 76 19,88,02,709 16,51,753 2,44,48,558 19,18,46,435

Feb-60 79 77 19,18,46,435 17,50,858 2,64,04,443 18,22,40,207

Feb-61 80 78 18,22,40,207 18,55,910 2,85,16,799 16,95,81,457

Feb-62 81 79 16,95,81,457 19,67,265 3,07,98,143 15,34,18,131

Feb-63 82 80 15,34,18,131 20,85,300 3,32,61,994 13,32,43,167

Feb-64 83 81 13,32,43,167 22,10,419 3,59,22,953 10,84,88,390

Feb-65 84 82 10,84,88,390 23,43,044 3,87,96,790 7,85,17,761

Feb-66 85 83 7,85,17,761 24,83,626 4,19,00,533 4,26,19,932

Feb-67 86 84 4,26,19,932 26,32,644 4,52,52,575 0

Retirement calculator


Other Goals

Plan For Year Of GoalToday's

Amount

Future

Projected

Amount

Year

Count

International tour Feb-15 3,00,000 3,73,608 2

Farm house Feb-23 25,00,000 74,88,833 10

0 Feb-13 0 0 0

0 Feb-13 0 0 0

0 Feb-13 0 0 0

0 Feb-13 0 0 0

0 Feb-13 0 0 0

0 Feb-13 0 0 0

0 Feb-13 0 0 0


Goals Outflow at a glance.

Year Feb-13 Feb-14 Feb-15 Feb-16 Feb-17 Feb-18 Feb-19 Feb-20 Feb-21 Feb-22 Feb-23 Feb-24 Feb-25 Feb-26 Feb-27 Feb-28 Feb-29 Feb-30 Feb-31 Feb-32 Feb-33 Feb-34 Feb-35 Feb-36 Feb-37 Feb-38 Feb-39 Feb-40 Feb-41 Feb-42

Child 1 Education & Marriage 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 66,75,231 0 0 0 87,75,782 0 0 0 2,26,19,797 0 0 0

Child 2 Education & Marriage 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Contingency Fund 5,07,160 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Car 1 0 0 0 0 0 8,51,657 0 0 0 0 10,36,171 0 0 0 0 12,60,660 0 0 0 0 15,33,786 0 0 0 0 18,66,085 0 0 0 0

Car 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

International vacation 0 0 0 0 0 0 0 0 11,52,269 8 0 0 0 19,41,640 0 0 0 0 32,71,776 0 0 0 0 55,13,134 0 0 0 0 92,89,951 0

Other Goal 0 0 3,73,608 0 0 0 0 0 0 0 74,88,833 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Retirement Fund 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7,58,18,321 0 0 0 0 0 0

Total 5,07,160 0 3,73,608 0 0 8,51,657 0 0 11,52,269 8 85,25,004 0 0 19,41,640 0 12,60,660 0 0 99,47,007 0 15,33,786 0 87,75,782 8,13,31,455 0 1866085.43 22619797.2 0 9289950.72 0

Year of goal 16-Feb-13 16-Feb-14 16-Feb-15 16-Feb-16 15-Feb-17 15-Feb-18 15-Feb-19 15-Feb-20 14-Feb-21 14-Feb-22 14-Feb-23 14-Feb-24 13-Feb-25 13-Feb-26 13-Feb-27 13-Feb-28 12-Feb-29 12-Feb-30 12-Feb-31 12-Feb-32 11-Feb-33 11-Feb-34 11-Feb-35 11-Feb-36 10-Feb-37 10-Feb-38 10-Feb-39 10-Feb-40 09-Feb-41 09-Feb-42 09-Feb-43 09-Feb-44

Self Age 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63

spouse Age 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61

Salary Self 15,00,000 16,20,000 17,49,600 18,89,568 20,40,733 22,03,992 23,80,311 25,70,736 27,76,395 29,98,507 32,38,387 34,97,458 37,77,255 40,79,436 44,05,790 47,58,254 51,38,914 55,50,027 59,94,029 64,73,552 69,91,436 75,50,751 81,54,811 0 0 0 0 0 0 0 0 0

Salary Spouce 0 0 0 3,00,000 3,24,000 3,49,920 3,77,914 4,08,147 4,40,798 4,76,062 5,14,147 5,55,279 5,99,701 6,47,677 6,99,492 7,55,451 8,15,887 8,81,158 9,51,651 10,27,783 11,10,005 11,98,806 0 0 0 0 0 0 0 0 0 0

Rental income 0 1,20,000 1,27,200 1,34,832 1,42,922 1,51,497 1,60,587 1,70,222 1,80,436 1,91,262 2,02,737 2,14,902 2,27,796 2,41,464 2,55,951 2,71,308 2,87,587 3,04,842 3,23,133 3,42,521 3,63,072 3,84,856 4,07,948 0 0 0 0 0 0 0 0 0

Other sources 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Investment maturing 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Total Inflow 15,00,000 17,40,000 18,76,800 23,24,400 25,07,655 27,05,409 29,18,812 31,49,105 33,97,629 36,65,831 39,55,272 42,67,639 46,04,752 49,68,577 53,61,234 57,85,013 62,42,388 67,36,027 72,68,813 78,43,855 84,64,513 91,34,413 85,62,758 0 0 0 0 0 0 0 0 0

Household Exp. 1,80,000 2,00,872 2,24,165 2,50,158 2,79,166 3,11,537 3,47,662 3,87,976 4,32,964 4,83,169 5,39,196 6,01,719 6,71,493 7,49,357 8,36,250 9,33,219 10,41,432 11,62,194 12,96,958 14,47,349 16,15,179 18,02,470 20,11,479 0 0 0 0 0 0 0 0 0

Life style exp. 2,65,200 2,95,952 3,30,269 3,68,566 4,11,304 4,58,998 5,12,222 5,71,617 6,37,900 7,11,869 7,94,415 8,86,533 9,89,333 11,04,053 12,32,075 13,74,943 15,34,377 17,12,299 19,10,851 21,32,428 23,79,697 26,55,640 29,63,579 0 0 0 0 0 0 0 0 0

Insurace premium Exp. 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 22,119 0 0 0 0 0 0 0 0 0

EMI 5,04,000 5,04,000 4,32,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 3,60,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Additional premium Suggested 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 0 0 0 0 0 0 0 0 0

Dependent Exp. 0 0 0 80,000 88,800 98,568 1,09,410 1,21,446 1,34,805 1,49,633 1,66,093 1,84,363 2,04,643 2,27,154 2,52,141 2,79,876 3,10,662 3,44,835 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Investment Insurance premium 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 43,000 0 0 0 0 0 0 0 0 0

PPF / VPF 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Recurring Deposits 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Total Cash outflow 10,54,319 11,05,943 10,91,553 11,63,844 12,44,389 13,34,222 14,34,413 15,46,158 16,70,788 18,09,791 19,64,823 21,37,735 23,30,588 25,45,683 27,85,585 26,93,157 29,91,591 33,24,447 33,12,928 36,84,896 40,99,996 45,63,229 50,80,178 0 0 0 0 0 0 0 0 0

Inflow -outflow ( Surplus ) 4,45,681 6,34,057 7,85,247 11,60,556 12,63,266 13,71,188 14,84,399 16,02,948 17,26,841 18,56,040 19,90,449 21,29,905 22,74,165 24,22,894 25,75,648 30,91,856 32,50,797 34,11,581 39,55,884 41,58,959 43,64,517 45,71,184 34,82,581 0 0 0 0 0 0 0 0 0

Returns 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 15% 12% 12% 12% 12% 12% 12% 12% 12% 12% 12% 12% 12% 12%

Corpus @ BOY 10,39,545 10,16,237 18,02,729 24,28,736 39,53,603 58,09,910 70,73,179 96,18,555 1,26,64,286 1,49,65,661 1,90,66,541 1,41,13,218 1,83,60,105 2,33,88,285 2,70,86,536 3,37,25,164 4,04,26,035 4,97,40,738 6,06,13,429 6,22,22,269 7,38,47,901 8,53,56,326 10,01,70,268 10,58,44,405 2,74,54,504 3,07,49,045 3,23,48,915 1,08,96,611 1,22,04,205 32,63,964 36,55,640 40,94,317

Goals Outflow 5,07,160 0 3,73,608 0 0 8,51,657 0 0 11,52,269 8 85,25,004 0 0 19,41,640 0 12,60,660 0 0 99,47,007 0 15,33,786 0 87,75,782 8,13,31,455 0 18,66,085 2,26,19,797 0 92,89,951 0 0 0

Net. Corpus 5,32,386 10,16,237 14,29,121 24,28,736 39,53,603 49,58,253 70,73,179 96,18,555 1,15,12,017 1,49,65,653 1,05,41,538 1,41,13,218 1,83,60,105 2,14,46,645 2,70,86,536 3,24,64,504 4,04,26,035 4,97,40,738 5,06,66,422 6,22,22,269 7,23,14,115 8,53,56,326 9,13,94,486 2,45,12,950 2,74,54,504 2,88,82,959 97,29,117 1,08,96,611 29,14,254 32,63,964 36,55,640 40,94,317

Corpus @ EOY 10,16,237 18,02,729 24,28,736 39,53,603 58,09,910 70,73,179 96,18,555 1,26,64,286 1,49,65,661 1,90,66,541 1,41,13,218 1,83,60,105 2,33,88,285 2,70,86,536 3,37,25,164 4,04,26,035 4,97,40,738 6,06,13,429 6,22,22,269 7,38,47,901 8,53,56,326 10,01,70,268 10,58,44,405 2,74,54,504 3,07,49,045 3,23,48,915 1,08,96,611 1,22,04,205 32,63,964 36,55,640 40,94,317 45,85,635

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Life cash flow at a glance.C

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2,00,00,000

4,00,00,000

6,00,00,000

8,00,00,000

10,00,00,000

12,00,00,000

14,00,00,000

01-Jan-13 01-Jan-15 01-Jan-17 01-Jan-19 01-Jan-21 01-Jan-23 01-Jan-25 01-Jan-27 01-Jan-29 01-Jan-31 01-Jan-33 01-Jan-35 01-Jan-37 01-Jan-39 01-Jan-41 01-Jan-43

Axis

Tit

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Life cash flow at a glance.

Corpus @ EOY

Goals Outflow


Data & ARB's Recommendation



Today's Date 16-Feb-13

Particulars Self Spouse

Title(Mr,Mrs,Ms) Mr. Mrs. Mr.

First Name Kumar Kumari Mrs.

Gender Male Female

Date of Birth 6-Sep-80 5-Jan-83 Male

PAN No. KYC complied ? Yes Yes Female

Residential Status Resident Resident

Critical illness? No No Service Govt.

Smoker? No No Self employed

Date of Marriage(if applicable) Professional

Occupation Service housewife Housewife

Retirement age 55 50

Life Expectancy 80 80 Retired

NA

Dependent Details

Name of Dependent Date of Birth Relationship Occupation Critical illnes ?

Little angle 15-Oct-12 Daughter NA No

End of page

Personal & Dependent Details

04-Dec-08



Income & Expenses detailsMonthly Income

Income Head Self Spouse Total

Income from salary( NET) 1,25,000 0 1,25,000

Income from Business or Profession 0 0 0

Income from Other Sources 0 0 0

Gross Total 1,25,000 0 1,25,000

Deductions if any 0 0 0

Net Income 1,25,000 0 1,25,000

Growth in salary in % 8% 8% 0%

Income from House property 0 0 0

Total income 125000 0 125000

Monthly Expenditure

Monthly Annual % of Income Inflation rate

15,000 1,80,000

0 0

0 0

0 0

0 0

0 0

15,000 1,80,000 12% 11%

15,000 1,80,000

0 0

0 0

2,100 25,200

5,000 60,000

22,100 2,65,200 18% 12%

0 0

0 0

0 0 0% 11%

750 9,000

0 0

1,093 13,119

1,843 22,119 1% 0%

30,000 3,60,000

0 0

12,000 1,44,000

42,000 5,04,000 34% 0%

80,943 9,71,319 65%

44,057 5,28,681 35%

0 0

0 0

3,583 43,000

6,000 72,000

9,583 1,15,000 8%

34,473 4,13,681 28%

11.60% 37,100

End of page

Net Outflows

Savings (Inflows-Outflows)

PF + VPF+PPF

Recurring Deposits (RDs)

Mutual Fund SIPs

Regular Monthly Investments

Insurance Premiums (Investments)

Home Loan 1 EMIs

Home Loan 2 EMIs

Surplus (Savings-Investments)

Customised Economic inflation

Personal Loan EMIs

Loan Servicing

Lifestyle Expenses

Children's Schooling/College Expenses

Contribution to Parents, Siblings etc

Dependent Expenses

Pure Insurance Premiums

Mediclaim/PA/CI

Motor Insurance

Life Insurance (Term)

Electricity / Water / Labour / AMCs

Particulars

Food & Grocery

House Rent / Maintenance / Repair

Conveyance, Fuel & Maintenance

Medicines / Doctor / Healthcare

Personal Care / Others

Travel & Annual Vacations

Mobile / Telephone / Internet

Household Expenses

Clothes & Accessories

Shopping, Gifts, Whitegoods, Gadgets

Dining / Movies / Sports



Sr. No. Holder Script Market rate No of script Total value ARB's

Recommendation

1 0 BHEL 205 85 17,387

2 0 DLFLIM 249 25 6,218

3 0 UTIBAN 1,449 2 2,899

4 0 HDIL 67 25 1,671

5 0 LARTOU 1,444 19 27,436

6 0 NTPC 150 20 3,000

7 0 ONGC 323 20 6,455

8 0 RELCAP 400 50 20,008

9 0 POWGRI 106 385 40,675

10 0 RELIND 846 20 16,916

11 0 RELPOW 79 25 1,966

12 0 SESGOA 165 25 4,125

13 0 SUZENE 22 25 543

14

15

16

17

18

19

20

Total 1,49,298

Equity Investments

End of page

Sell and align to the

ARB's portfolio.



Sr.

NoFund Name Option (gr./div.) Fund category Holder SIP Y/N Amount

Total

Units

Latest

NAV

Present

ValueLocked in (Y/N)

1 HDFC Top 200 fund Growth Largecap 0 Yes 3,000 401 222 89,213 No

2 Reliance Equity Opportunities fund Growth Largecap 0 Yes 3,000 2,232 43 94,851 No

3 HDFC Top 200 fund Growth Largecap 0 No 0 287 222 63,739 No

4 Reliance Equity Opportunities fund Growth Largecap 0 No 0 1,946 43 82,695 No

5 Sundaram SMILE Growth Multicap 0 No 0 2,405 30 72,663 0

6 Sundaram select midcap Growth Midcap 0 No 0 413 158 65,399 0

7 Tata Infra Growth Sectoral 0 No 0 457 28 12,748 0

8 Reliance diversified power sector Growth Sectoral 0 No 0 169 53 8,938 0

9 0 0 0 0 0 0 0 0 0 0

10 0 0 0 0 0 0 0 0 0 0

Total 4,90,247

1

2

3

4

5

6

Mutual Funds

Equity Schemes

Balanced Schemens



Sr.No Particulars HolderMonthly

contribution.

Current

Accumulated

value

Investment

start date

Interest

rate

Date of

maturityMaturity Value

ARB's

Recommendation

1 PF Self 12,500 1,50,480 41153 0.00% 0 0 Continue

2

3

4

5

6

7

Total 12,500 1,50,480 0

End of page

Retirement Related investments / Benefits



Sr.No ParticularsInvested

amount

Current

Accumula

ted value

Investment

date

Coupon/

Interest

rate

Passive

income

p.a

Date of

maturityMaturity Value

ARB's

Recommendation

1 FD 4,78,323 0 41179 0.0875 0 41545 5,20,296

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

Total 4,78,323 0 0 0 520296

Fixed Income Instruments

End of page

Continue till

maturity



Sr.No Type of PropertyPurchase

Value

Purchase

DatePresent Value On loan

Passive

income

Willing to

Liquidate

(Y/N)

ARB's

recommendation

1 Resi House 20,00,000 10-08-2005 40,00,000 No No No Hold

2 Resi House 50,00,000 29-03-2012 50,00,000 Yes No Yes Hold

3 Land 10,00,000 dd-mm-yyyy 10,00,000 No No No Hold

4

5

6

7

8

9

Total 80,00,000 1,00,00,000 0

Real Estate Investments

End of page



Sr. No ParticularsPurchase

Value

Purchase

Date

Present

Value

Willing to

Liquidate (Y/N)

Liquidation

Proportion

Liquidation

Amount

ARB's

Recommendation

1

2 Vehicles 4,50,000 41202 N/A No 0 0 Hold

3

4

5

6

7

8

9

Total Value 0

End of page

Tangible Asset Investments



Sr No. Particulars Present balance ARB's Recommendation

1 Savings a/c 4,00,000 Align to main portfolio

2

3

4

5

6

7

8

9

10

11

12

13

14

15

Total 4,00,000

End of page

Liquid Assets



Sr No. Type Name of policy ModeYearly

premiumDate of Issue Maturity Date Cover

Surrender

Value

Maturity

Amount

ARB's

Recommendation

1 Term Aviva Life Insurence Yearly 9000 16-11-2011 16-11-2046 1,00,00,000 0 0 Continue

Total 9000 1,00,00,000 0 0

Total 0 0 0 0 0

0 0 0 0 0

Self

Life Insurance

Spouse

Children's

0



Sr No. Type Company NameIndividual /

Family coverDate of Start

Insurance Cover

Amount

Premium

Amount

ARB's

Recommendation

1 Others Tata AIG Individual 26-Nov-04 3,00,000 21,000 Continue

2

3

4

5

6

7

8

9

3,00,000 21,000

Health Insurance

End of page

Premium Total



Sr No. Policy Name Policy Type Policy HolderDate of

CommencementValid Upto

Premium

Amount

Insured

AmountClaims ( if any )

ARB's

Recommendation

1 Vehicle Comprehensive Self 20-Oct-12 19-Oct-13 13,119 N/A 0

2

3

4

5

6

13,119 0

End of page

General Insurance



Sr.No Liability Type Borrers Name.Current rate of

interest p.aCurrent EMI

No.of

installments

Remaining

Balance

OutstandingARB's Recommendation

1 Housing loan Self 10.75% 30,000 2 27,00,000 Continue

2 Others Self 9.50% 12,000 30 2,98,000

3

4

5

6

7

8

9

Total 42,000 29,98,000

Liabilities

End of page



Mobile : 8793107044

Financial plan Prepared by

Ashish Ramesh Bhave.

Office address :

1st Floor, "Snehashanti", Chatrapati Shivaji Hsg. Soc., off LBS raod, Navi peth

Pune -411030

email : [email protected]

MBA. CPFA.CFPCM

Chief financial planner.

ARB financial consultants.


Annexture 1

Cars on Loan

Car 1 plan Projected EMI's if loan is taken for cars

Price of Car 8,51,657 Price of Car 10,36,171 Price of Car 12,60,660

Prepayment 20% Prepayment 20% Prepayment 20%

Laon 6,81,326 Laon 8,28,937 Laon 10,08,528

Rate of Int 12% Rate of Int 12% Rate of Int 12%

Tenure ( Y ) 5 Tenure ( Y ) 5 Tenure ( Y ) 5

EMI 15,156 EMI 18,439 EMI 22,434

Year Amount Year Amount Year Amount

2012 3,52,200 2022 4,28,505 2029 5,21,342

2013 1,81,869 2023 2,21,271 2030 2,69,210

2014 1,81,869 2024 2,21,271 2031 2,69,210

2015 1,81,869 2025 2,21,271 2032 2,69,210

2016 1,81,869 2026 2,21,271 2033 2,69,210

Family financial plan

Economy & Finance

Transcript of Family financial plan