Financial plan presentation
37
Private and Confidential ARB Financial Consultants Strictly Private & Confidential Comprehensive Financial Planning Service Plan By : Ashish Ramesh Bhave CFP CM Page 1 of 37 Comprehensive Financial Planning Service Planning for MR.Kumar & Family For Planning year July -2011 Plan By : Ashish Ramesh Bhave CFP CM Page 1 of 37
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Transcript of Financial plan presentation
Private and Confidential ARB Financial Consultants
Strictly Private & Confidential
Comprehensive Financial Planning Service
Plan By : Ashish Ramesh Bhave CFPCM Page 1 of 37
Comprehensive Financial Planning Service
Planning for MR.Kumar & Family
For Planning year July -2011
Plan By : Ashish Ramesh Bhave CFPCM Page 1 of 37
Private and Confidential ARB Financial Consultants
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.
Plan By : Ashish Ramesh Bhave CFPCM Page 2 of 37
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Life
Go
als
Y
es/
No
Insu
ran
ce P
lan
nin
g (
HLV
- I
nco
me
re
pla
cem
en
t M
eth
od
)Y
es
Co
nti
ng
en
cy P
lan
nin
g &
Fu
nd
ing
Ye
s
Ch
ild
ren
Hig
he
r e
du
cati
on
& M
arr
ige
Exp
. P
lan
nin
gY
es
Re
tire
me
nt
Pla
nn
ing
Ye
s
Pu
rch
ase
of
Ho
use
Ye
s
Pu
rch
ase
of
Ca
rY
es
Inte
rna
tio
na
l V
aca
tio
nY
es
Sco
pe
of
Wo
rk F
or
Co
mp
reh
en
siv
e F
ina
nci
al
Pla
nn
ing
co
nsu
lta
ncy
Se
rvic
e.
Fu
rth
er
to t
he
Da
ta G
ath
eri
ng
Me
eti
ng
he
ld,
we
sh
all
be
co
ve
rin
g t
he
fo
llo
win
g i
n t
he
yo
ur
Pe
rso
na
l F
ina
nci
al
Pla
n t
o g
ive
yo
u
Fin
an
cia
l P
lan
nin
g R
eco
mm
en
da
tio
ns
& a
Go
al-
Ori
en
ted
In
ve
stm
en
t S
tra
teg
y;
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 3
of
37
Inte
rna
tio
na
l V
aca
tio
nY
es
Oth
ers
Ye
s
An
aly
sis
Ye
s/N
o
Infl
ow
/Ou
tflo
wY
es
Ass
ets
/Lia
bil
itie
sY
es
Life
Ca
shfl
ow
s &
Go
al
fea
sib
ilit
y s
tud
yY
es
Insu
ran
ce P
oli
cie
sY
es
Mu
tua
l F
un
ds
Ye
s
Eq
uit
y P
ort
foli
oY
es
De
bt
Inst
rum
en
tsY
es
Oth
ers
Ye
s
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 3
of
37
Private and Confidential ARB Financial Consultants
Plan By : Ashish Ramesh Bhave CFPCM Page 4 of 37
Data & ARBARBARBARB's Recommendation
Plan By : Ashish Ramesh Bhave CFPCM Page 4 of 37
Private and Confidential ARB Financial Consultants
Personal & Dependent Details
Today's Date 19-Jul-11
Particulars Self Spouse
Title(Mr,Mrs,Ms) Mr. Mrs. Mr.
First Name Kumar Kumari Mrs.
Gender Male Female
Date of Birth 18-Sep-76 10-Sep-77 Male
PAN No. KYC complied ? Yes Yes Female
Residential Status Indian Indian
State of Health Good Good Service Private
Critical illness? N Diabetis Service Govt.
Smoker? N N Self employed
Date of Marriage(if applicable) 15/2/1994 Professional
Occupation Service Housewife Housewife
Life Expectancy 85 85 Retired
NA
Dependent Details
Name of Dependent Date of Birth Relationship Occupation Health Status
Chiranjiv 21-Mar-05 Child -1 NA Good
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 5 of 37
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Inco
me
& E
xp
en
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de
tail
s
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nth
ly I
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me
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me
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ad
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use
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tal
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me
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20
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nt
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pa
ir
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ue
l &
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inte
na
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dic
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alt
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re
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sura
nce
(T
erm
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use
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ld E
xp
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the
s &
Acc
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Sh
op
pin
g,
Gif
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Wh
ite
go
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ad
ge
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Din
ing
/ M
ovie
s /
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ort
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rso
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l C
are
/ O
the
rs
Tra
ve
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nu
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Va
cati
on
s
Life
sty
le E
xp
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ild
ren
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cho
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/Co
lle
ge
Exp
en
ses
Co
ntr
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o P
are
nts
, S
ibli
ng
s e
tc
De
pe
nd
en
t E
xp
en
ses
Me
dic
laim
/PA
/CI
Mo
tor
Insu
ran
ce
Pu
re I
nsu
ran
ce P
rem
ium
s
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 6
of
37
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
22
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%
98
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%
00
00
25
,00
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0
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00
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rem
ium
s (I
nve
stm
en
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me
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an
1
EM
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me
Lo
an
2
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Pe
rso
na
l Lo
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Is
Loa
n S
erv
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Su
rplu
s (S
av
ing
s-In
ve
stm
en
ts)
Cu
sto
mis
ed
Eco
no
mic
in
fla
tio
n
En
d o
f p
ag
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Ne
t O
utf
low
s
Sa
vin
gs
(In
flo
ws-
Ou
tflo
ws)
PF
+ V
PF
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PF
Re
curr
ing
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po
sits
(R
Ds)
Mu
tua
l F
un
d S
IPs
Re
gu
lar
Mo
nth
ly I
nv
est
me
nts
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 7
of
37
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Sr.
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old
er
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ipt
Ma
rke
t ra
teN
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f sc
rip
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elf
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6 7 8 9 10
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Eq
uit
y I
nv
est
me
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Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 8
of
37
13
14
15
16
17
18
19
To
tal
12
30
71
No
te :
Th
ese
all
th
e s
crip
ts t
o b
e s
old
in
Ph
ase
d m
an
ne
r to
en
ter
in O
ur
pro
po
sed
po
rtfo
lio
.
En
d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 8
of
37
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va
te a
nd
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nfi
de
nti
al
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ina
nci
al
Co
nsu
lta
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Sr.
No
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nd
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me
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tio
n
(gr.
/div
.)H
old
er
SIP
Y/N
Am
ou
nt
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tal
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its
Late
st
NA
V
Pre
sen
t
Va
lue
Lock
ed
in
(Y/N
)
AR
B's
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com
me
nd
ati
on
1B
irla
fro
ntl
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self
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s3
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tal
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00
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tal
00
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tua
l F
un
ds
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bri
d M
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be
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ld o
r sw
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pe
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em
en
t o
f p
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bt
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d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 9
of
37
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va
te a
nd
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nfi
de
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al
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B F
ina
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nsu
lta
nts
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rtic
ula
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n N
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eIn
ve
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en
t
am
ou
nt
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nt
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um
ula
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lue
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est
me
nt
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ate
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rest
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te o
f
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turi
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atu
rity
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lue
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com
me
nd
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on
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tal
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En
d o
f p
ag
e
Re
tire
me
nt
Re
late
d i
nv
est
me
nts
/ B
en
efi
ts
Pla
n B
y :
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ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
0 o
f 3
7
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va
te a
nd
Co
nfi
de
nti
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ina
nci
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nsu
lta
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rtic
ula
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ve
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d
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ou
nt
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nt
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lue
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ssiv
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ma
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tyM
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me
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ati
on
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tal
2,9
5,0
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6
Fix
ed
In
com
e I
nst
rum
en
ts
En
d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
1 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Sr.
No
Ty
pe
of
Pro
pe
rty
Pu
rch
ase
Va
lue
Pu
rch
ase
Da
teP
rese
nt
Va
lue
On
lo
an
Pa
ssiv
e
inco
me
Wil
lin
g t
o
Liq
uid
ate
(Y/N
)
AR
B's
reco
mm
e
nd
ati
on
1R
esi
Ho
use
25
,00
,00
0
01
-Ja
n-0
04
5,0
0,0
00
ye
sN
o
2La
nd
2,5
0,0
00
01
-Ju
n-0
84
,00
,00
0n
oY
es
Ho
ld
3 4 5 6 7 8 9
To
tal
49
00
00
00
Re
al
Est
ate
In
ve
stm
en
ts
En
d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
2 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Sr.
No
Pa
rtic
ula
rsP
urc
ha
se
Va
lue
Pu
rch
ase
Da
te
Pre
sen
t
Va
lue
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lin
g t
o
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uid
ate
(Y/N
)
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uid
ati
o
n
Pro
po
rtio
n
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uid
ati
o
n A
mo
un
t
AR
B's
Re
com
me
nd
ati
on
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ar
/ B
ike
NA
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ar
/ B
ike
NA
No
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ar
/ B
ike
NA
No
4C
ar
/ B
ike
NA
No
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ell
ery
NA
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6G
old
ET
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25
00
05
00
00
y
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ldN
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o
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cal
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ilve
rN
o
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tal
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lue
50
00
0
En
d o
f p
ag
e
Ta
ng
ible
Ass
et
Inv
est
me
nts
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
3 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
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uid
Ass
ets
Sr
No
.P
art
icu
lars
Pre
sen
t V
alu
eA
RB
's R
eco
mm
en
da
tio
n
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an
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sh i
n H
an
d1
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3 4 5 6 7 8 9 10
11
12
13
14
15
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tal
33
00
00
En
d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
4 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Sr
No
.T
yp
eN
am
e o
f
po
licy
Mo
de
Ye
arl
y
pre
miu
mD
ate
of
Issu
eM
atu
rity
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teC
ov
er
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rre
nd
er
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lue
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turi
ty
Am
ou
nt
AR
B's
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com
me
nd
ati
on
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nd
ow
me
nt
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ly5
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31
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01
1/0
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51
,00
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01
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on
tin
ue
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nd
ow
me
nt
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ly5
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01
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10
,00
02
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00
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nti
nu
e
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nd
ow
me
nt
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ly6
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01
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on
tin
ue
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nd
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nt
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ly5
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on
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ue
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nt
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ly1
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00
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nsi
on
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nti
nu
e
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nd
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nt
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ly2
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03
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30
,00
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00
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nti
nu
e
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AV
ULI
PH
IGH
NA
VY
ly5
0,0
00
03
/01
/19
98
41
43
57
00
00
0
Life
In
sura
nce
Se
lf
Sp
ou
ce
To
tal
Pre
miu
m
En
d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
5 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Sr
No
.T
yp
eC
om
pa
ny
Na
me
Ind
ivid
ua
l /
Fa
mil
y c
ov
er
Da
te o
f S
tart
Insu
ran
ce C
ov
er
Am
ou
nt
Pre
miu
m
Am
ou
nt
AR
B's
Re
com
me
nd
ati
on
1M
ed
icla
imN
ati
on
al
25
00
00
Co
nti
nu
e
2 3 4 5 6 7 8 9
0
He
alt
h I
nsu
ran
ce
Pre
miu
m T
ota
l
En
d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
6 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Sr
No
.P
oli
cy
Na
me
Po
licy
Ty
pe
Po
licy
Ho
lde
rV
ali
d U
pto
Pre
miu
m
Am
ou
nt
Cla
ims
(
if a
ny
)
AR
B's
Re
com
me
nd
a
tio
n
1 2 3 4 5 6
0
Ge
ne
ral
Insu
ran
ce
Da
te o
f
Co
mm
en
cem
en
tIn
sure
d A
mo
un
t
En
d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
7 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Sr.
No
Lia
bil
ity
Ty
pe
Bo
rre
rs N
am
e.
Cu
rre
nt
rate
of
inte
rest
p.a
Cu
rre
nt
EM
I
No
.of
inst
all
me
nts
Re
ma
inin
g
Ba
lan
ce
Ou
tsta
nd
ing
AR
B's
Re
com
me
nd
ati
on
1H
ou
sin
g L
oa
n 1
8.2
5%
22
,00
02
00
23
87
10
0C
on
tin
ue
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ers
on
al
loa
n1
20
00
12
14
40
00
Co
nti
nu
e
5P
ers
on
al
loa
n0
6C
red
it C
ard
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bt
0
7C
red
it C
ard
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bt
0
8O
the
r lo
an
s0
90
To
tal
34
00
02
53
11
00
Lia
bil
itie
s
En
d o
f p
ag
e
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 1
8 o
f 3
7
Private and Confidential ARB Financial Consultants
Plan By : Ashish Ramesh Bhave CFPCM Page 19 of 37
Financial assessment & Goals quantification
Plan By : Ashish Ramesh Bhave CFPCM Page 19 of 37
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Fin
an
cia
l O
bje
ctiv
es
Pa
rtic
ula
rsP
rese
nt
va
lue
of
ex
pe
nse
sA
t A
ge
Y
ea
rs t
ill
ex
pe
nse
sP
rio
rity
Ch
ild
1 E
du
cati
on
Ch
ira
nji
v
Gra
du
ati
on
10
00
00
01
8H
igh
MS
10
00
00
02
3H
igh
Ma
rria
ge
50
00
00
27
Me
diu
m
Oth
ers
NA
Ch
ild
2 E
du
cati
on
0
Re
tire
me
nt
At
Ag
e 5
5
Ma
inti
nin
g S
td.
of
livin
gH
igh
Me
dic
al
corp
us
40
00
00
Hig
h
Inte
rna
tio
na
l T
ou
rs
Eu
rop
e T
ou
r4
00
00
05
5Lo
w
Ca
rF
req
ue
ncy
of
Ch
an
ge
Fo
r fi
rst
Su
ch E
xp
. A
fte
r
Ca
r 1
50
00
00
83
Low
Ca
r 2
00
0
Ch
ild
's B
usi
ne
ss s
ee
d c
ap
ita
l
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 2
0 o
f 3
7
Private and Confidential ARB Financial Consultants
Particulars
Name
Date of Birth
Current Age
Retirement Age
Life Expectancy
% Income Increase
Dependents
Particulars Child-1 Child-2 Father Mother
Name Chiranjiv NA NA NA
Date of Birth 21/03/2005 NA NA NA
Current Age 6 NA NA NA
Real estate Auto. International tour Education Rental Income
14% 4% 11% 11% 6%
Investment
StrategyAggressive Coutious Conservative Protective
Expected returns 16% 12% 10% 8%
Plan Date
19/07/2011
Economic InflationInflation Post
retirement
Post tax return post
retirement
13% 8% 9%
85
18-Sep-76 10-Sep-77
Data & Assumptions For Financial plan structuring
Self Spouce
Kumar Kumari
8% 10%
Growth rate assumptions
Returns Assumptions
Other Assumptions
35 34
55 55
85
Plan By : Ashish Ramesh Bhave CFPCM Page 21 of 37
Private and Confidential ARB Financial Consultants
Particulars Total Percentage
Residential Property 45,00,000
Vehicle 0
Jewellery 0
Inheritance of Wealth 0
Others 0
Personal Assets 4500000 71%
Savings Bank/Cash in Hand 3,30,000
Receivables 0
Total Liquid Assets 330000 5%
Fixed Deposits 2,95,000
PPF (Public Provident Fund) 4,75,000
EPF + Superannuation +
Gratuity0
NSC / POMIS / KVP / RDs etc 0
Debt Mutual Funds 0
Traditional Insurance Policies
SV0
Bonds/Debentures/CDs 0
Total Debt Assets 770000 12%
Direct Equity 1,23,071
Equity & Hybrid Mutual Funds 1,77,402
Unit-linked Insurance Policies
SV0
Total Equity Assets 300473.1875 5%
Gold/Silver (ETFs, MF, Bars) 50000 1%
Real Estate 400000 6%
Total Assets 6350473.187 100%
Home Loan 23,87,100
Vehicle Loan 1,44,000
Personal Loan 0
Total Liabilities 2531100
Networth (Assets-Liabilities) 3819373.187
Networth Statement
Plan By : Ashish Ramesh Bhave CFPCM Page 22 of 37
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
%
Ne
two
rth
38
,19
,37
36
0%
To
tal
Lia
bil
itie
s2
5,3
1,1
00
40
%
To
tal
Ass
ets
63
,50
,47
3
Ne
two
rth
AR
B's
Co
mm
en
t :
Th
e S
olv
en
cy r
ati
o i
s v
ery
Go
od
.
Re
qu
est
ed
to
ma
inta
in t
he
sa
me
.
Ne
two
rth
To
tal L
iab
ilit
ies
To
tal A
sse
ts
38
,19
,37
3
25
,31
,10
0
63
,50
,47
3
Ne
two
rth
%
Mo
nth
ly I
nco
me
1,8
0,0
00
10
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nth
ly E
xp.
81
,35
04
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est
ab
le S
urp
lus
98
,65
05
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Mo
nth
ly C
ash
flo
w
AR
B's
Co
mm
en
t :
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e e
xpe
nse
s a
re w
ith
in
th
e
lim
its
& i
nv
est
me
nt
surp
lus
rati
o i
s h
ea
lth
y,
a g
oo
d
sig
n.
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nth
ly I
nco
me
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nth
ly E
xp.
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sta
ble
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rplu
s
1,8
0,0
00
81
,35
09
8,6
50
Mo
nth
ly C
ash
flo
w
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 2
3 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
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isti
ng
in
ve
stm
en
t p
ort
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o%
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bt
11
,00
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05
9%
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uit
y3
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31
6%
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mm
od
ity
50
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03
%
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al
est
ate
4,0
0,0
00
22
%
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tal
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ets
18
,50
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31
00
%
%
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me
1,8
0,0
00
10
0%
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use
ho
ld
Cu
rre
nt
Inco
me
- E
xp
en
ses
dis
trib
uti
on
AR
B's
Co
mm
en
t :
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e I
nve
stm
en
t p
ort
foli
o i
s sl
igh
tly
til
ted
tow
ard
s D
eb
t ,
less
exp
osu
re t
o c
om
mo
dit
y.
De
bt
59
%
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uit
y
16
%
Co
mm
od
ity
3%
Re
al
est
ate
22
%
Ex
isti
ng
in
ve
stm
en
t p
ort
foli
o
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 2
4 o
f 3
7
Ho
use
ho
ld
Exp
en
ses
32
,10
01
8%
Life
sty
le E
xpe
nse
s1
3,0
00
7%
De
pe
nd
en
ts
Exp
en
ses
2,0
00
1%
Pu
re I
nsu
ran
ce
Pre
miu
ms
25
00
%
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n S
erv
icin
g3
4,0
00
19
%
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gu
lar
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stm
en
ts3
3,5
00
19
%
Su
rplu
s6
5,1
50
36
%
AR
B's
Co
mm
en
t :
Pro
po
rtio
n t
o H
ou
se h
old
, L
ife
sty
le ,
Loa
n
serv
isin
g t
o I
nco
me
is
wit
h i
n t
he
lim
its.
18
%
7%
1% 0
%
19
%
19
%
36
%Cu
rre
nt
Inco
me
-E
xp
en
ses
dis
trib
uti
on
Ho
use
ho
ld E
xpe
nse
s
Life
style
Exp
en
ses
De
pe
nd
en
ts E
xpe
nse
s
Pu
re In
sura
nce
Pre
miu
ms
Loa
n S
erv
icin
g
Re
gu
lar
Inve
stm
en
ts
Su
rplu
s
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 2
4 o
f 3
7
Private and Confidential ARB Financial Consultants
Type Discription Present value of Financial goals
Child Education 3066309.185
Retirement 7591947.235
Contingency Fund 6,38,100.00
Other goals 28,20,248.20
Household Exp. 75,52,113.05
Life style Exp. 30,58,488.15
Loans 25,31,100.00
Total liability 27258305.82
Existing life cover (Post
surrendered policies)35,70,000.00
Existing Asset 6,80,473.19
Additional required 23007833
Life insurance need analysis
Goals
Liabilities
Life insurance need analysis
Plan By : Ashish Ramesh Bhave CFPCM Page 25 of 37
Existing life cover
(Post surrendered
policies)
13%Existing Asset
3%
Additional required
84%
Life insurance need analysis
Plan By : Ashish Ramesh Bhave CFPCM Page 25 of 37
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Co
nti
ng
en
cy F
un
d
Pa
rtic
ula
rsA
mo
un
t
Cu
rre
nt
Mo
nth
ly E
xp
en
ses
Ho
use
ho
ld E
xp.
32
,10
0
Life
sty
le e
xp1
3,0
00
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mm
ite
d E
xp.
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00
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ran
ce p
rem
ium
s2
5,2
50
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n E
MI
34
,00
0
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tal
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nth
ly E
xp
en
ses
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6,3
50
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nti
ng
en
cy F
un
din
g R
eq
uir
em
en
t
Co
nti
ng
en
cy P
eri
od
(N
o.
of
Mo
nth
s)6
Co
nti
ng
en
cy F
un
ds
6,3
8,1
00
Pla
nn
ers
Co
mm
en
t :
Th
is i
s th
e F
un
d w
hic
h i
s re
qu
ire
d t
o b
e m
ain
tain
ed
in
th
e
ea
sily
acc
ass
ab
le f
orm
. T
his
wil
l h
elp
a F
am
ily
to
Su
sta
in i
n a
ny
ty
pe
of
con
tin
ge
ncy
.
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 2
6 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Ch
ild
-1 N
am
e
Go
al
Gra
du
ati
on
Po
st G
rad
ua
tio
nM
arr
iag
eO
the
rs
Go
al
@ A
ge
18
23
27
NA
Ye
ars
to
Go
al
12
17
21
NA
Cu
rre
nt
Va
lue
10
,00
,00
01
0,0
0,0
00
5,0
0,0
00
0
Ye
ar
OF
Go
al
17
/03
/20
23
15
/03
/20
28
14
/03
/20
32
NA
Fu
ture
va
lue
of
Go
al
33
79
48
85
69
46
33
43
22
42
7N
A
Ch
ild
-2 N
am
e
Go
al
Gra
du
ati
on
Po
st G
rad
ua
tio
nM
arr
iag
eO
the
rs
Go
al
@ A
ge
00
00
Ye
ars
to
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al
#V
ALU
E!
#V
ALU
E!
#V
ALU
E!
#V
ALU
E!
Cu
rre
nt
Va
lue
00
00
Ye
ar
OF
Go
al
#V
ALU
E!
#V
ALU
E!
#V
ALU
E!
#V
ALU
E!
Fu
ture
va
lue
of
Go
al
#V
ALU
E!
#V
ALU
E!
#V
ALU
E!
#V
ALU
E!
Ch
ild
's E
du
cati
on
.
Ch
ild
ren
's F
utu
re Ch
ild
1
Ch
ild
ren
's F
utu
re Ch
ild
2
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 2
7 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
nts
Ca
r P
urc
ha
se P
lan
nin
g
Ca
r 1
Ye
ar
to b
uy
To
da
y's
pri
ce
of
a C
ar
Fu
ntu
re P
roje
cte
d
pri
ce o
f a
ca
rY
ea
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00
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da
y's
pri
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ar
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re P
roje
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ca
rY
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VA
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!
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 2
8 o
f 3
7
Private and Confidential ARB Financial Consultants
Retirement Planning
Particulars Amount Remarks/Notes
Current Expenses
Household Exp. 32,100
Life style exp. 13,000
Addition/Deduction (Vacations,
Insurance etc)2,000
Total Monthly Expenses 47,100
Total Annual Expenses 5,65,200
Future Expenses at Retirement
Retirement Age 55
Reduction in Exp. 20%Reduction is considered as family
size will reduce to 2 from 3
Inflation 10%
No. of Years for Retirement 20
Retirement Year 5-Sep-31
Expenses in the First Year of
Retirement30,84,298
Corpus Required to Fund Retirement
Expenses
No. of Years in Retirement 30
Inflation during Retirement Years 8.00%
Tax adjusted Investment Returns on
Retirement Corpus9.00%
Net Returns 0.93%
Retirement Corpus Required
considering rental income8,05,03,470
Medical corpus
Amount at present value 4,00,000
Inflation 13%
Amount at the time of retirement 46,21,238
Total Corpus required
Retirement Fund ( Cost of living ) 8,05,03,470
Medical corpus 46,21,238
Total 8,51,24,708
Plan By : Ashish Ramesh Bhave CFPCM Page 29 of 37
Pri
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Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 3
0 o
f 3
7
Pri
va
te a
nd
Co
nfi
de
nti
al
AR
B F
ina
nci
al
Co
nsu
lta
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Oth
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Go
als
Pla
n F
or
Ye
ar
Of
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Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 3
1 o
f 3
7
Private and Confidential ARB Financial Consultants
Plan By : Ashish Ramesh Bhave CFPCM Page 32 of 37
Financial Planners Summary
Plan By : Ashish Ramesh Bhave CFPCM Page 32 of 37
Private and Confidential ARB Financial Consultants
Sr. No GoalsFuture value of
GoalGoal can be achived
1 Graduation 33,79,488 Yes Successfully
2 MS 56,94,633 Yes Successfully
3 Marriage 43,22,427 Yes Successfully
4 Others NA
1 0 NA Yes Successfully
2 0 NA Yes Successfully
3 0 NA Yes Successfully
4 0 NA Yes Successfully
1 Retirement Fund 8,51,24,708 Yes Successfully
1 Europe Tour 6,74,023 Yes Successfully
2 Europe Tour 11,35,768 Yes Successfully
3 Europe Tour 19,13,836 Yes Successfully
4 Europe Tour 32,24,925 Yes Successfully
5 Europe Tour 54,34,186 Yes Successfully
6 Europe Tour 91,56,919 Yes Successfully
1 Car 1 5,62,432 Yes Successfully
2 1 st change 7,69,727 Yes Successfully
3 2nd change 10,53,425 Yes Successfully
4 3rd change 14,41,684 Yes Successfully
Planners Comment - Planning year July 2011
Child 1 Education
Child 2 Education
Retirement
International Tours
Car
Plan By : Ashish Ramesh Bhave CFPCM Page 33 of 37
Pri
va
te a
nd
Co
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de
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AR
B F
ina
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al
Co
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Sr.
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rem
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)
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exi
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ass
et.
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Lif
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tyle
of
Ind
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Ag
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exi
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Acc
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Dis
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To
pro
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Life insurance
Te
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o p
rote
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he
im
po
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nt
fin
an
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l g
oa
ls &
lia
bil
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s
Cre
ati
on
of
Fu
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to
ta
ke
ca
re o
f B
asi
c
Fin
an
cia
l G
oa
ls &
lia
bin
itie
s -
Exi
stin
g
life
in
sura
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.
Ad
dit
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al
SA
of
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66
la
c& 3
3 l
ac
to y
ou
& y
ou
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ou
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ach
fo
r 1
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du
rati
on
Life
in
sura
nce
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stm
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ts t
o b
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in E
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t w
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fro
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stm
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all
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oli
cie
s
PP
F S
elf
NA
N
AN
A
Imm
idia
te C
orr
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ive
act
ion
s -
Pla
nn
ing
ye
ar
July
20
11
Fin
an
cia
l p
lan
- P
ort
ect
ion
sy
ste
m
General
Insurance
Fin
an
cia
l P
lan
- E
xis
tin
g I
nv
est
me
nt
Fixed
Income
instrum
ent
Pla
n B
y :
Ash
ish
Ra
me
sh B
ha
ve
CF
PC
MP
ag
e 3
4 o
f 3
7
Private and Confidential ARB Financial Consultants
Products SIP Amount Yearly amount Remarks
HDFC Equity Fund 6000 72,000
DSPBR Equity Fund 6000 72,000
IDFC Premier equity
Fund13000 1,56,000
HDFC Midcap
Opportunities Fund8000 96,000
Canara Robeco
emerging Equity5400 64,800
ICICI Pru Dynamic Fund 5400 64,800
Birla Divident Yield Plus 3600 43,200
DSPBR Micro cap fund 3000 36,000
SBI Gold ETF 3,000 36,000
Nationlised Bank 3,19,050 50% of Contingency Fund
Savings A/C with Auto
sweep facility 3,19,050 50% of Contingency Fund
Nationlised Bank 72,000 Debt Portion of asset
allocationNationlised Bank 1,79,879 Reserves to time market
Investment strategy - Planning year July 2011Investment Statistics
Existing Financial Asset 6,80,473
Goals Funding for current year. 6,38,100
Reserves to be maintained in short term deposits
timing market 1,79,879
investment Product recommnendation
Bank FD
Net asset 42,373
Income in this year - regular exp. 8,57,022
Total investable surplus 8,99,395
Available funds for regular investment 7,19,516
Total Equity & Gold 6,40,800
Total Debt 8,89,979
Plan By : Ashish Ramesh Bhave CFPCM Page 35 of 37
Private and Confidential ARB Financial Consultants
Asset Class Amount investment % Distribution
Large cap Equity 144000 16%
Midcap Equity 316800 35%
Small cap Equity 36000 4%
Opportunity Equity 108000 12%
Gold 36000 4%
Debt 72000 8%
Reserves to time market 179879.0375 20%
Total 892679.0375 100%
Investment strategy - Planning year July 2011
Investment strategy - Planning year July 2011
Plan By : Ashish Ramesh Bhave CFPCM Page 36 of 37
Large cap Equity
16%
Midcap Equity
36%
Small cap Equity
4%
Opportunity Equity
12%Gold
4%
Debt
8%
Reserves to time
market
20%
Investment strategy - Planning year July 2011
Plan By : Ashish Ramesh Bhave CFPCM Page 36 of 37
Private and Confidential ARB Financial Consultants
Mobile : 8793107044
Financial plan Prepared by
Ashish Ramesh Bhave. MBA. CFPCM
Contact Details :
Flat no . 33, 1535,Sadashiv peth , Tilak Road
Pune -411030
email : [email protected]
Plan By : Ashish Ramesh Bhave CFPCM Page 37 of 37
