Financial Planning sheet

7/29/2019 Financial Planning sheet

1/17

Year age

Annual

Expenses

Goals

(Today's

value)

Goals (Future

value)

Annual

Income (post

tax)

Opening Value of

Investment

2012 29 220,000 - 504,000 2,200,000

2013 30 237,600 - 554,400 2,510,173

2014 31 256,608 - 609,840 2,859,5692015 32 277,137 - 670,824 3,252,856

2016 33 299,308 - 737,906 3,695,240

2017 34 323,252 - 811,697 4,192,518

2018 35 349,112 - 892,867 4,751,150

2019 36 377,041 1,200,000 1,904,249 982,153 5,378,328

2020 37 407,205 - 1,080,369 4,177,812

2021 38 439,781 - 1,188,406 4,793,730

2022 39 474,963 - 1,307,246 5,489,269

2023 40 512,961 - 1,437,971 6,274,034

2024 41 553,997 - 1,581,768 7,158,736

2025 42 598,317 - 1,739,945 8,155,323

2026 43 646,183 1,500,000 4,079,436 1,913,939 9,277,113

2027 44 697,877 - 2,105,333 6,459,516

2028 45 753,707 - 2,315,866 7,506,716

2029 46 814,004 - 2,547,453 8,695,149

2030 47 879,124 - 2,802,198 10,042,262

2031 48 949,454 - 3,082,418 11,567,548

2032 49 1,025,411 - 3,390,660 13,292,778

2033 50 1,107,443 - 3,729,726 15,242,263

2034 51 1,196,039 - 4,102,699 17,443,135

2035 52 1,291,722 - 4,512,968 19,925,6692036 53 1,395,060 - 4,964,265 22,723,635

2037 54 1,506,665 - 5,460,692 25,874,688

2038 55 1,627,198 - 6,006,761 29,420,808

2039 56 1,757,374 - 6,607,437 33,408,777

2040 57 1,897,963 - 7,268,181 37,890,718

2041 58 2,049,800 - 7,994,999 42,924,690

2042 59 2,213,785 - 8,794,499 48,575,346

2043 60 2,390,887 - 9,673,949 54,914,662

2044 61 2,582,158 - 61,634,150

2045 62 2,788,731 - 67,009,274

2046 63 3,011,829 - 72,890,398

2047 64 3,252,776 - 79,330,997

2048 65 3,512,998 - 86,391,046

2049 66 3,794,038 - 94,137,919

2050 67 4,097,561 - 102,647,428

2051 68 4,425,365 - 112,005,017

2052 69 4,779,395 - 122,307,144

2053 70 5,161,746 - 133,662,876


2/17

2054 71 5,574,686 - 146,195,735

2055 72 6,020,661 - 160,045,834

2056 73 6,502,314 - 175,372,349

2057 74 7,022,499 - 192,356,394

2058 75 7,584,299 - 211,204,339

2059 76 8,191,043 - 232,151,684

2060 77 8,846,326 - 255,467,5362061 78 9,554,032 - 281,459,833

2062 79 10,318,355 - 310,481,400

2063 80 11,143,823 - 342,937,010

2064 81 12,035,329 - 379,291,592

2065 82 12,998,155 - 420,079,797

2066 83 14,038,008 - 465,917,131

2067 84 15,161,048 - 517,512,945

2068 85 16,373,932 - 575,685,562

2069 86 17,683,847 - 641,379,929

2070 87 19,098,555 - 715,688,203

2071 88 20,626,439 - 799,873,777

2072 89 22,276,554 - 895,399,315

2073 90 24,058,678 - 1,003,959,489

2074 91 25,983,373 - 1,127,519,205

2075 92 28,062,042 - 1,268,358,244

2076 93 30,307,006 - 1,429,123,419

2077 94 32,731,566 - 1,612,889,512

2078 95 35,350,092 - 1,823,230,486

2079 96 38,178,099 - 2,064,302,716

2080 97 41,232,347 - 2,340,942,283

2081 98 44,530,935 - 2,658,778,7202082 99 48,093,409 - 3,024,368,012

2083 100 51,940,882 - 3,445,348,123


3/17

Investment

during that

year

Closing Value of

investment MIP @ 8%

Versus what is

needed for

retirement Assumptions

201,600 2,510,173 176,000 0.8 Inflation

221,760 2,859,569 200,814 0.8 Income Growth

243,936 3,252,856 228,765 0.9 Investment Growth268,330 3,695,240 260,229 0.9 % of income saved

295,163 4,192,518 295,619 1.0

324,679 4,751,150 335,401 1.0 3/2/2013

357,147 5,378,328 380,092 1.1 2013

392,861 6,082,061 430,266 1.1

432,148 4,793,730 334,225 0.8

475,362 5,489,269 383,498 0.9

522,898 6,274,034 439,142 0.9 Stocks

575,188 7,158,736 501,923 1.0 Index

632,707 8,155,323 572,699 1.0 Debt

695,978 9,277,113 652,426 1.1 Gold

765,576 10,538,952 742,169 1.1

842,133 7,506,716 516,761 0.7

926,347 8,695,149 600,537 0.8

1,018,981 10,042,262 695,612 0.9

1,120,879 11,567,548 803,381 0.9

1,232,967 13,292,778 925,404 1.0

1,356,264 15,242,263 1,063,422 1.0

1,491,890 17,443,135 1,219,381 1.1

1,641,079 19,925,669 1,395,451 1.2

1,805,187 22,723,635 1,594,054 1.21,985,706 25,874,688 1,817,891 1.3

2,184,277 29,420,808 2,069,975 1.4

2,402,704 33,408,777 2,353,665 1.4

2,642,975 37,890,718 2,672,702 1.5

2,907,272 42,924,690 3,031,257 1.6

3,198,000 48,575,346 3,433,975 1.7

3,517,799 54,914,662 3,886,028 1.8

3,869,579 62,022,752 4,393,173 1.8

- 67,242,858 4,930,732 1.9

- 73,107,118 5,360,742 1.9

- 79,523,424 5,831,232 1.9

- 86,550,118 6,346,480 2.0

- 94,252,631 6,911,284 2.0

- 102,704,470 7,531,034 2.0

- 111,988,344 8,211,794 2.0

- 122,197,473 8,960,401 2.0

- 133,437,094 9,784,571 2.0

- 145,826,198 10,693,030 2.1

Asset


4/17

- 159,499,547 11,695,659 2.1

- 174,610,005 12,803,667 2.1

- 191,331,233 14,029,788 2.2

- 209,860,826 15,388,511 2.2

- 230,423,934 16,896,347 2.2

- 253,277,487 18,572,135 2.3

- 278,715,082 20,437,403 2.3- 307,072,678 22,516,787 2.4

- 338,735,207 24,838,512 2.4

- 374,144,278 27,434,961 2.5

- 413,807,127 30,343,327 2.5

- 458,307,058 33,606,384 2.6

- 508,315,590 37,273,370 2.7

- 564,606,623 41,401,036 2.7

- 628,072,948 46,054,845 2.8

- 699,745,502 51,310,394 2.9

- 780,815,829 57,255,056 3.0

- 872,662,290 63,989,902 3.1

- 976,880,652 71,631,945 3.2

- 1,095,319,803 80,316,759 3.3

- 1,230,123,453 90,201,536 3.5

- 1,383,778,844 101,468,660 3.6

- 1,559,173,650 114,329,874 3.8

- 1,759,662,458 129,031,161 3.9

- 1,989,144,461 145,858,439 4.1

- 2,252,154,264 165,144,217 4.3

- 2,553,968,031 187,275,383 4.5

- 2,900,727,584 212,702,298 4.8- 3,299,585,501 241,949,441 5.0

- 3,758,874,803 275,627,850 5.3


5/17

Value

8.0%

10.0%

9.100%40.0%

14.0% 30.0%

14.0% 5.0%

8.0% 15.0%

6% 50%

Return Allocation

llocation


6/17

1 Debts and Future Expenses

Home Loan outstanding 2,400,000

Car loan outstanding

Other Expense 1

Other Expense 2

Other Expense 3Other Expense 4

Other Expense 5

2 Monthly Expenses 40,000

3 Current Investments 1,000,000


7/17

Instructions

1. Fill in the present value of monthly expenses in C8

2. Tweak C7 till you arrive at a near 0 number in row 46

Assumptions

Retirement Corpus 88,977,298

Monthly Expenses

(Present value) 40,000

Interest Rate 8%

Inflation 7%

Year Starting balance Expense interest Balance

61 88,977,298 304,490 7,118,184 92,441,600

62 92,441,600 325,805 7,395,328 95,927,273

63 95,927,273 348,611 7,674,182 99,418,125

64 99,418,125 373,014 7,953,450 102,895,412

65 102,895,412 399,125 8,231,633 106,337,551

66 106,337,551 427,063 8,507,004 109,719,796

67 109,719,796 456,958 8,777,584 113,013,887

68 113,013,887 488,945 9,041,111 116,187,661

69 116,187,661 523,171 9,295,013 119,204,624

70 119,204,624 559,793 9,536,370 122,023,48071 122,023,480 598,978 9,761,878 124,597,619

72 124,597,619 640,907 9,967,810 126,874,547

73 126,874,547 685,770 10,149,964 128,795,267

74 128,795,267 733,774 10,303,621 130,293,598

75 130,293,598 785,138 10,423,488 131,295,426

76 131,295,426 840,098 10,503,634 131,717,883

77 131,717,883 898,905 10,537,431 131,468,454

78 131,468,454 961,828 10,517,476 130,443,991

79 130,443,991 1,029,156 10,435,519 128,529,635

80 128,529,635 1,101,197 10,282,371 125,597,640

81 125,597,640 1,178,281 10,047,811 121,506,07982 121,506,079 1,260,761 9,720,486 116,097,437

83 116,097,437 1,349,014 9,287,795 109,197,065

84 109,197,065 1,443,445 8,735,765 100,611,492

85 100,611,492 1,544,486 8,048,919 90,126,578

86 90,126,578 1,652,600 7,210,126 77,505,504

87 77,505,504 1,768,282 6,200,440 62,486,560

88 62,486,560 1,892,062 4,998,925 44,780,743

89 44,780,743 2,024,506 3,582,459 24,069,128

2000000

4000000

6000000

8000000

10000000

12000000

14000000


8/17

90 24,069,128 2,166,222 1,925,530 0


9/17

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30


10/17

Money present today

Annual Investment Today

Increment 0%

Annual Return 15% 45,000

718,143,485

Age

Annual

investment Value at Year 6023 540,000 95,107,300 4.2

24 540,000 82,702,000 4.62

25 540,000 71,914,783 5.082

26 540,000 62,534,594 5.5902

27 540,000 54,377,907 6.14922

28 540,000 47,285,137 6.764142

29 540,000 41,117,510 7.4405562

30 540,000 35,754,357 8.18461182

31 540,000 31,090,745 9.003073002

32 540,000 27,035,431 9.903380302

33 540,000 23,509,070 10.89371833

34 540,000 20,442,670 11.98309017

35 540,000 17,776,234 13.18139918

36 540,000 15,457,595 14.4995391

37 540,000 13,441,387 15.94949301

38 540,000 11,688,163 17.54444231

39 540,000 10,163,620

40 540,000 8,837,930

41 540,000 7,685,157

42 540,000 6,682,745

43 540,000 5,811,08344 540,000 5,053,115

45 540,000 4,394,013

46 540,000 3,820,881

47 540,000 3,322,505

48 540,000 2,889,135

49 540,000 2,512,291

50 540,000 2,184,601

51 540,000 1,899,653

52 540,000 1,651,872

53 540,000 1,436,411

54 540,000 1,249,05355 540,000 1,086,133

56 540,000 944,463

57 540,000 821,273

58 540,000 714,150

59 540,000 621,000

60 540,000 540,000


11/17

Category Fund Name

1 Nifty ETF Benchmark Nifty

1 Gold ETF Gold BeeS

1 Tax HDFC Tax saver / Canara Rebeco

JM MONEY MANAGER FUND SUPER PLAN - GROWTH

HDFC Cash Management Savings

1 Balanced HDFC PrudenceDSPBR Top 100

HDFC Top 200

ICICI PRUDENTIAL DISCOVERY FUND -GROWTH

ICICI Prudential Dynamic fund

HDFC Equity

5 Equity MFs

2 Debt


12/17

Type Feb-12 May-12 Aug-12 Nov-12 Feb-13 May-13

ETF NA NA NA

ETF NA Na Na

ELSS NA NA NA

Debt - UST 5 star 5 star 5 star 5 star 5 star

Debt - Liquid 4 star 4 star

Balanced 5 star 5 star 4 star 5 star 5 starLarge Cap 5 Star 5 star 5 star 5 star 4 star

Large / Mid cap 5 Star 5 star 4 star 4 star 4 star

Mid / Small Cap 4 star 5 star 5 star 5 star 5 star

Large/ Mid cap 4 star 4 star

Multi Cap 5 star 5 star 5 star 5 star 4 star


13/17

Trade # Scrip Qty Buy Date Cost Price Sell Date

1 Force Motors - (BSE) 16 18-Dec-09 301.41 11-Aug-10

2 Bliss GVS - (BSE) 162 18-Dec-09 32.60 11-Aug-10

3 Mangalam Cement - (BSE) 34 18-Dec-09 148.24 11-Aug-10

4 Ashiana Housing - (BSE) 43 18-Dec-09 116.98 11-Aug-105 Nava Bharat Ven - (BSE) 13 18-Dec-09 386.22 11-Aug-10

6 Genesys Int - (BSE) 26 18-Dec-09 195.18 11-Aug-10

7 Oil Country - (BSE) 41 18-Dec-09 124.54 11-Aug-10

8 JK Cement - (BSE) 33 18-Dec-09 150.15 11-Aug-10

9 Symphony - (BSE) 25 18-Dec-09 153.08 3-Jan-11

10 IFB Industries - (BSE) 40 18-Dec-09 66.55 3-Jan-11

21 IFB Industries - (BSE) 35 18-Dec-09 66.55 10-Jan-11

11 Majestic Auto - (BSE) 77 9-Nov-10 130.77 19-Jan-11

19 Asian Paints 15 1-Jan-06 848.00

20 Symphony - (BSE) 9 18-Dec-09 153.08

12 Oriental Carbon - (BSE) 66 9-Nov-10 152.95

13 Panama Petro - (BSE) 32 9-Nov-10 309.20

14 ABC Bearings - (BSE) 62 9-Nov-10 160.59

15 Ador Fontech - (BSE) 27 9-Nov-10 375.62

16 Mayur Uniquoter - (BSE) 31 9-Nov-10 314.95

17 Mafatlal Ind - (BSE) 30 9-Nov-10 339.00

18 DCM - (BSE) 64 9-Nov-10 158.17

22 A K Capital Services 14 3-Jan-11 723.50

23 Cera Sanitaryware 61 3-Jan-11 163.50

24 Insecticides 44 3-Jan-11 224.39

25 National Peroxide 17 3-Jun-11 565.7026 Shree Ganesh Jewellery House 38 3-Jun-11 264.70

28 Thangamayil Jewelery 61 3-Jun-11 165.40


14/17

Sale Price

Value at

Cost

Value

when sold Profit Profit % Status Age

Execution

Performance

926.15 4,822.56 14,818.40 9,995.84 207% Closed

42.00 5,281.20 6,804.00 1,522.80 29% Closed

154.00 5,040.16 5,236.00 195.84 4% Closed

172.00 5,030.14 7,396.00 2,365.86 47% Closed347.00 5,020.86 4,511.00 (509.86) -10% Closed

302.00 5,074.68 7,852.00 2,777.32 55% Closed

101.00 5,106.14 4,141.00 (965.14) -19% Closed

171.00 4,954.95 5,643.00 688.05 14% Closed

857.50 3,827.00 21,437.50 17,610.50 460% Closed

121.23 2,662.00 4,849.20 2,187.20 82% Closed

117.00 2,329.25 4,095.00 1,765.75 76% Closed

91.70 10,069.29 7,060.90 (3,008.39) -30% Closed

12,720.00 Passive 2617

1,377.72 Passive 1170

10,094.70 Active 844

9,894.40 Active 844

9,956.58 Active 844

10,141.74 Active 844

9,763.45 Active 844

10,170.00 Active 844

10,122.88 Active 844

10,129.00 Active 789

9,973.50 Active 789

9,873.16 Active 789

9,616.90 Active 63810,058.60 Active 638

10,089.40 Active 638


15/17

Next day orders

Entry

Run a filter with the following parameters on Capital4.com screene

Adj P/E TTM < 10

Long term debt to Equity ratio < 1ROCE > 20

Market Capital > 100 Cr

Sort the list by descending relative strength (Based on 52 wk return

Market Conditions

For Entry - PE percentile over 5 years to be in the bottom 30%

For Exit - PE percentile over 5 years to be in the top 30%


16/17

r. Tweak the filters until you get to about 100 stocks.

)


17/17

Year Inflow Outflow Net 23%

2013 2,500,000.00 (660,000.00) 1,840,000.00$

2014 (660,000.00) (660,000.00)$

2015 (660,000.00) (660,000.00)$

2016 (660,000.00) (660,000.00)$

2017 (660,000.00) (660,000.00)$

2018 (660,000.00) (660,000.00)$2019 4,934,556.71 (660,000.00) 4,274,556.71$

Documents

Financial Planning sheet