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Estate Plan
Scope of Personal Financial Plan / Financial Objective ::Based on the information's, we have obtained from you in quantitative or qualitative manner, we have analysed the same. This financial plan may provide guidance on your financial objectives as you have mentioned during our conversation. The scope of financial plan is as follows :
Risk Protection
Assessment of emergency funds need through short term cash flow.
Cash Flow Analysis
Analysis of your current Income -Expense structure and certain assumption of rise-fall in income & expenses, assessment of future situation of cash flow
To protect your family through adequate life insurance. To meet the future expenses with future need or in minimum - replacement of your income to your family. Analysis of your current Life Insurance Portfolio & basis on that how much life insurance to be required with efficient & cost effective future cash flow in your survival mode. To seek adequate Health Insurance including analysis of current General Insurance Policies you have.
To make a Investment portfolio, which is easy to manage, can provide timely fund for required financial goals with cost effective management & optimum returns. Complete analysis of Mutual Fund Investment Portfolio with recommendation to prepare efficient portfolio, which can earn better risk adjusted return & help to achieve future financial goal smoothly & generate wealth. Also suggest & do analysis of with profit Life Insurance policies, Pension Plans, other Fixed Return Scheme like Post Office Scheme, Company FD, NCD, FDR, Cash A/c. to maintain better liquidity, proper asset allocation with earn return in tax efficient manner.
Estate plan assessing the financial impact upon death and the disposition.
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 1
Goal PriorityPresent Cost of Goal OR Target Goal Amount
Age at Goal Start
Fund to be required in Period
OR Year
Fund to be required for No. of Years
% wise Amt. wise Child AgeHigh 0 0% 0 High 50000 10% 12 2013 - To - 2015 3High 100000 10% 15 2016 - To - 2019 4
Optional 100000 10% 19 2020 - To - 2022 3High 500000 10% 22 2023 - To - 2025 3High 1500000 5% 28 2029 1High 300000 6% 30 2031 1High 0 0% 0 High 50000 10% 12 2013 - To - 2015 3High 100000 10% 15 2016 - To - 2019 4
Optional 100000 10% 19 2020 - To - 2022 3High 500000 10% 22 2023 - To - 2025 3High 0 0% 0 High 300000 6% 30 2031 1
Your AgeHigh 3500000 6% 47 2020 1
Medium 800000 6% 42 2015 1Medium 70000 6% 45 2018 1Medium 55000 6% 48 2021 1Medium 80000 5% 44 2017 1Optional 3000000 6% 57 2030 1Optional 250000 0% 10000 56 2029 1Optional 5000000 0% 77 2050 1
High 0 0% 0 Optional 250000 5% 62 2035 - To - 2055 Every 5 YearOptional 40000 5% 57 2030 - To - 2045 Every 3 Year
Your Age
High 7224450 60 2033 1
High 500000 6% 60 2033 1Medium 1000000 5% 60 2033 1
Low 1000000 5% 60 2033 1Optional 1000000 6% 60 2033 1
Fund for - Post Graduation & Master Degree
Fund for - Secondary & Higher Sec. EducationFund for - Graduation & Higher Education
Futu
re F
inan
cial
Goa
l
Future Need & Dreams
Fund for - Need - 2 Computer SystemFund for - Dream - Farm House & Land
Fund for - Dream - Domestic Long Tour
Fund for - Need - Home Appliances / Furniture
Retirement Corpus & Provision
Fund for - For start in lifeFund for - Marriage Expenses
Fund for - Secondary & Higher Sec. EducationFund for - Graduation & Higher EducationFund for - Post Graduation & Master Degree
Fund for - Dream - Create Wealth for Family
Fund for - Need - New Residential HouseFund for - Need - Motor CarFund for - Need - Bike for KevinFund for - Need - Scooty for Sandhya
Fund for - Marriage Expenses
Retir
emen
t Pl
anni
ng
Fund for - Reserve Balance
Financial Goal Particulars
Child
Fut
ure
Plan
ning
Fund for - Donation / Gift
Fund for - Dream - Foreign Tour
Planning For-Kevin
Planning For-
Sandhya
Fund for - Pre-Primary & Primary Education
Fund for - Funds to be required to provide regular expenses from Retirement year onwards.Fund for - Medical Expenses Fund for - Tour - Yatra
Fund for - Pre-Primary & Primary Education
Inflation Effect -Present Goal Amount
will rise @Rate
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 2
Res.:
Cell :
State : Country:
State : Country:
Age : 39 Yes
60 Yes
80 Yes
Age : 36
60
80
Age
39
36
64
60
11
6
Personal & Family InformationName : Amar Patel Office Address :
Contact No.:0261-12345678 123, xxxxxxxxxxxxxx
9999988888 xxxxxxxxxxxxxxxxxxx
Pers
onal
& F
amily
Info
rmat
ion
Female Spouse / Wife Working Very Good 16/07/1976
Very Good
Organisation :
Job / Business? Doing Job zzzzzzzzzzzzzzzzzzzzzzzzz
Spouse InformationName : Sangita Patel
Current Status Health Status
Family / Dependant Information
Birth Date :
Retirement Planned at Age-Years
Life Expectancy : YearsSelf Employed
16/07/1976 If in Job, Started Year 0
Working Status: Working
If W
orki
ng,
Giv
e De
tails
Working Field : Financial Services
Education : B.Com. Organisation : ABC. Co.
Job / Business?
Date of BirthName Sex Relationship
Residential Status : Own
E-mail : [email protected] Location / City : Surat
Sex Male Gujarat India
345, zzzzzzzzzzzzzzzzz
Marital Status : Married Residential Address :
Education : M.Sc.
Studying Very Good
Retired
Amar Patel
Sangita Patel
Maheshbhai Patel
Female
Female
SuratWorking Field : Medical / Pharma Location / City :
Have you a habits of Smoking?
Retirement Planned at Age-Years Have you a habits of chewing Gutkha?
Life Expectancy : Years Have you a habits of drinking alcohol?
Birth Date : 07/05/1973
XYZ Co. Gujarat India
If in Job, Started Year 2000
Male
Male
Kevin
0
Average
0
Doing Job Very Good 07/05/1973Self
Son
Daughter
Sujataben Patel
05/02/1948
22/11/1951Mother
Male Father
Sandhya
Retired Above Average
Studying 18/04/2001
26/02/2006
0
0
0
0000 0
00
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 3
Particulars Amount Rs. Particulars Outflow
620657 64%Personal
Income 620657 Personal Expenses 68400
180000 19% Spouse Income 180000 Housing Expenses 83400
150000 16% Other Income 165000 Food Expenses 104600
0 Living Expenses 114600
0 Health Expenses 52400
0 Entertainment Expenses 62000
0 Loan Repayment 132000
15000 15000 Investment Outflow 257991
965657
Outflow %Cumulative Outflow %
Surplus Ratio%
68400 14%
83400 17%
104600 22%
114600 24%
52400 11%
62000 13%
485400
480257 50%
132000 14%
617400 64%
348257 36%
257991 27%
875391 91%
90266 9%
Net Surplus available for Investments :
Net Balance ( + / - ) - C/F to Cash Account :
% of Total Income
Agriculture Income etc.
Particulars
Present Situation, Findings & Analysis
Present : Cash Inflow -Outflow Analysis
Present Cash Flow Situation :
Personal Income / Business Income OR Salary Income
Spouse Income / Business Income OR Salary Income
Current Income :
2%
965657
Current Expenses :
Health Expenses
Entertainment Expenses
As per Annexure of
Detailed Expenses
Sheet
Personal Expenses
Housing Expenses
50%
House Rent Income
Other Income
Interest Income from Advances / Loan Given
Other Income
Other Income
Surplus & Investments Net Outflow (After Investment Commitment) :
Regular Investment Commitment from Surplus Amount :
Basic Surplus : ( Total Income - Total Expenses)
Net Total Income : ( Amount Rs.: )
Regu
lar E
xpen
ses
Basic Surplus & Loan
Repayment
Regu
lar I
ncom
eYearly Amount Rs.
Total Expenses : ( Amount Rs.: )
Food Expenses
Living Expenses
Regular Payment towards Loan EMI / Interest Payment
Total Outflow :
64%
19%
17%
Inflow Personal Income Spouse Income
Other Income Personal Expenses
8%
Housing Expenses
10%Food
Expenses12%
Living Expenses
13%
Health Expenses
6%
Entertainment
Expenses7%
Loan Repayment
15%
Investment Outflow
29%
Outflow
0
100000
200000
300000
400000
500000
600000
700000
2012
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
Basic Surplus : ( Total Income - Total Expenses)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 4
Present & Projected - Cash : Inflow -Outflow Analysis
-500000
0
500000
1000000
1500000
2000000
2500000
3000000
3500000
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash : Net Total Income : ( Amount Rs.: )
-100000
0
100000
200000
300000
400000
500000
600000
700000
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Regular Investments : Balance C/F to Cash : Net Surplus available for Investments :
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 5
-20%
0%
20%
40%
60%
80%
100%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Breakup of Outflow Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash :
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Breakup of ExpensesPersonal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 6
1500000 5% 0% Yes Yes Yes 150183 13498171500000 5% 0% No 0 No 0 1500000
0 5% 0% No 0 0 0 0
750000 0% 5% No 0 No 0 750000200000 0% 5% No 0 No 0 200000
0 0% 0% No 0 0 0 0300000 0% 10% Yes 0 Yes 0 300000
0 0% 0% No 0 0 0 035000 0% 10% Yes 0 Yes 22629 12371
0 0% 0% No 0 0 0 00 0% 0% No 0 0 0 0
250000 6% 0 0 Yes 250000
0 5% 0% No 0 0 0 00 5% 0% No 0 0 0 00 5% 0% No 0 0 0 00 5% 0% No 0 0 0 0
1000000 5% 0% No 0 0 0 10000000 5% 0% No 0 0 0 0
350000 6% 0% 0 Yes 350000100000 6% 0% 0 Yes 100000
0 6% 0% 0 0 0
5985000 172812 5812188
3000000 150183 28498171535000 22629 15123714535000 172812 43621881000000 0 1000000
450000 0 4500001450000 0 1450000
5985000 172812 5812188
Fixe
d As
sets
-In
vest
men
t Pur
pose
Total Amount Rs.:
0
0
Agriculture Land
00
Fixed Assets - (Personal / Family Use )Immovable Properties
Additional Residence / Flat
0
0Shop / Office Premises
Movable Properties
Assets ( Personal & Investments )
Movable Properties
0
Furniture / Fixtures / Paintings
Total Amount Rs.:
Assets Worth, as of today?
Current Value of Assets Rs.
Fixe
d As
sets
-Fo
r Per
sona
l / F
amily
use
Depreciation (%)
Two WheelersJewellery / Gold Ornaments
000Two Wheelers
0
Fixed Assets ( Investments Purpose Only )
0
Gold / Silver / Ornaments
Summary :Personal
Purpose only
Gold / Silver / Ornaments
Total Amount Rs.:
00
Movable PropertiesImmovable Properties
00
000
Any Others
Appreciation (%)
Holiday Home / Farm House
Gold / Silver / Ornaments
Immovable Properties
Agriculture Land
0
Investment Purpose only
Commercial Land
0
Home Contents / Appliances Home Contents / Appliances
Shop / Office Premises
Two Wheelers
Four WheelersFour Wheelers
Outstanding Loan Amount
Rs.
Appreciation (%)
Depreciation (%)Assets owner? Wants to use for
goal funding?Assets bought
on Loan? Under Lien?
Residential Building / Flat
Movable Properties
Ass
ets
wor
th &
Li
abili
ties
Fixed Assets : : Grand Total Rs.::
Immovable Properties
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 7
Asset Type Investment Current
Value
Future Investment
Commitment
Future Income from Investment
Surrender Value / Cash
Value
Fixed OR Estimated Return (%)
Current Allocation (%)
Weighted Average Rate of
Return (%)
Cash 225668 225668 4.00%120000 114000 8.00%
11424 11195 8.00%- 357092 - - 350863 5.95% 5.47%
Debt 100000 106660 - - 95994 8.16%135000 137371 - 45943 123634 10.49%250000 254064 - 40050 228657 10.42%485000 498094 - 85993 448285 8.30% 9.96%
Debt 65500 80297 24500 - 72267 7.95%150000 150000 - 50625 135000 9.00%350000 350000 - 106833 315000 8.14%
35000 37402 - - 33662 8.41%80000 86073 - - 77466 8.62%25000 26746 - - 24072 8.56%
705500 730518 24500 157458 657467 12.18% 8.38%
Equity - 86304 - - 64728 18.00% 1.44% 18.00%
Equity - 630663 5796000 - 567597 15.00%- 756828 2142000 - 681146 15.00%- 44704 - - 40234 15.00%- 115360 - - 103824 15.00%
Hybrid - 14804 - - 13324 12.55%- - - - - 10.00%- 17176 - - 15458 9.40%
Debt - - - - - 8.00%- 1579536 7938000 - 1421583 26.33% 14.92%
Gold - - - - - 8.00%450000 405000 6.00%
- 450000 - - 405000 7.50% 6.00%
Properties 1000000 800000 5.0% 16.67% 5.00%
Debt 315000 1710720 - 9.50%85000 124000 147000 - - 8.00%85000 439000 1857720 - - 7.32% 9.08%
Direct Equity
Equity - DiversifiedEquity - Diversified -ELSS
Mutual Funds
Bonds / NCD's & Co. FD'sBank Fixed Deposits > 1 YearCompany FD's
Hybrid Fund - Asset Allocation/Others
Mutual Funds Gold Funds / ETF
Post Office Scheme
Bonds & NCD's
Post Office Recurring Deposit Scheme
Hybrid Fund - BalancedEquity - Thematic & Others
Bank FDR
Post Office Monthly Income Scheme
Equity - Sectoral
Debt -Liquid
Bank FDR
Cash & Equivelant
Fixed Return SchemesBank & Company FDR / NCD's
Post Office Schemes
Direct Equity
Mutual Fund
Investments
Hybrid Fund - MIP
Bank Fixed Deposit : < 1 Year
Asset Category Scheme Category
Mutual Funds
Cash Account + Savings A/c. BalanceCash Account
Stock Market
Debt -Short Term, Income & G. Sec.
Kisan Vikas PatraNational Savings CertificatesPost Office - Time Deposits
Retirement Fund Retirement A/c. - Contribution (EPF / EPS)Retirement Fund
Real Estate
Gold / Silver ( ETF / Coins / Bars )
Senior Citizen Savings Scheme
Real Estate & Other Properties
Gold / Silver- ( Coins / Bars / Ornaments)
Properties Investment
Post Office Scheme Public Provident Fund
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 8
Asset Type Investment Current Value Future
Investment Commitment
Future Income from
Investment
Surrender Value / Cash
Value IRR (%)
Debt 50000 92125 - - 53213 4.80%45000 81500 - - 73350 3.93%
218966 343466 175185 37500 150004 4.78%51600 96600 77400 - 38418 5.71%
365566 613691 252585 37500 314984 10.23% 4.81%
Equity 50000 53000 - - 51000 4.49%50000 30000 - - 20000 -4.23%50000 53000 - - 51000 4.49%60000 108000 90000 - 91000 5.03%
210000 244000 90000 - 213000 4.07% 3.66%
5998235 10162805 280951 4675909 100.00%
8.95%Your Investment Portfolio is growing @pre-tax return (Weighted Average Return)
Reg. Prem. -Traditional Life Insurance PlanReg. Prem.-Traditional Pension Plan
Single Prem.-Unit Linked Insurance PlanReg. Prem.-Unit Linked Insurance Plan
Reg. Prem.-Unit Linked Pension Plan
Life Insurance
Life Insurance Single Prem.-Traditional Life Ins.Plan
Investments
Asset Category
Single Prem.-Traditional Pension Plan
Scheme Category
Traditional Life Insurance / Pension Plan
Unit Linked Life Insurance / Pension Plan
Single Prem.-Unit Linked Pension Plan
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 9
Current Asset Allocation Analysis :
Cash Debt Equity Gold PropertiesCurrent Value 357092 2300226 1890918 450000 1000000Surrender Value 350863 1437765 1682281 405000 800000
0
500000
1000000
1500000
2000000
2500000
Cash6%
Debt38%
Equity32%
Gold7%
Properties17%
Cash Debt Equity Gold Properties
CashAccount
BankFDR
MutualFunds
StockMarket
Bonds /NCD's &Co. FD's
PostOffice
Scheme
LifeInsuranc
e
PhysicalGold /
Funds /ETF
Properties
Investment
Retirement
Fund
Current Value 225668 226660 1590960 86304 391434 854518 857691 450000 1000000 315000Surrender Value 225668 209994 1432778 64728 352291 657467 527984 405000 800000 0
0
200000
400000
600000
800000
1000000
1200000
1400000
1600000
1800000
Cash Account4%
Bank FDR4%
Mutual Funds27%
Stock Market1%
Bonds / NCD's & Co. FD's
7%
Post Office Scheme14%
Life Insurance14%
Physical Gold / Funds / ETF
7%
Properties Investment
17%Retirement Fund
5%
Cash Account Bank FDR Mutual FundsStock Market Bonds / NCD's & Co. FD's Post Office SchemeLife Insurance Physical Gold / Funds / ETF Properties InvestmentRetirement Fund
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 10
Basic Sum Assured
Paid Up Value of Policy
Pension Plan Value Rs.
15% 12% 9% Traditional Plan Amar Patel Sangita Patel Others4001168 4808964 5931571 55000 92125 - - - - 2597390 3475681 4852087 - - 50000
325000 344250 68000 86000 306952 - - 95000 125000 380000 436375 68000 86000 401952 175000
Unit Linked Plan 60000 - - 60000 - - 200000 200000 - - #DIV/0! - - - 60000 - #DIV/0! 200000 260000 200000 - 60000 #DIV/0! 260000
- - - - - - - - - - - - - - - -
11422657 14537767 19077084 640000 636375 68000 146000 #DIV/0! 435000
Less :
6882371 8699729 11311128 @Return : 15% @Return : 12%@Return : 9%
Less : As per Income replacement 4001168 4808964 5931571As per Expenses replacement 4709879 6012848 7930579
As per Need Analysis 11422657 14537767 19077084
Shortfall (If any) - As per Need Analysis -1750858 -3568216 -6179615
5131513 5131513 5131513
1750858 3568216 6179615
All Other Future Need for Family 2609236
636375 636375 636375
Shortfall of Life Insurance Coverage (if any)
Single Prem.-Life InsuranceSingle Prem.-Pension PlanReg. Prem.-Life Insurance
All Future Need for Child 3332765 4619978 6574935
Available Resources
Existing Death Benefit Coverage - through Life
Insurance
Present - Life Insurance Coverage - Details & Analysis
Reg. Prem.-Pension Plan
Existing Life Insurance Cover Details :
Scheme Type
Single Prem.-Life InsuranceReg. Prem.-Life InsuranceSingle Prem.-Pension PlanReg. Prem.-Pension Plan
Pure Life Cover Term Plan
Total Amount Rs.
Required Net Life Insurance Cover
Required Total Life Insurance @various
scenario
Present Value of Spouse / Other Income in Future
Surrender Value of All Investments 4495138 4495138
As per Expense Replacement Concept
4709879 6012848 7930579
As Per Need Analysis
Present Death Benefit Value Rs.Future Rate of Return in case of Death Claim
occurs as of today :
3134164 3800793
4540286 5838038 7765956
4495138
Available life cover shield through Investments & Life
Insurance
Current Year / Immediate Exp. & Need + O/s. Liabilities 770777 770777 770777
Future Family Expenses ( As above) 4709879 6012848 7930579
As per Income Replacement Concept
Required Life Insurance Cover as of today :
For - Amar PatelFor - Sangita Patel
@Return : 15% @Return : 12% @Return : 9%As per Income replacement 4001168 4808964 5931571As per Expenses replacement 4709879 6012848 7930579As per Need Analysis 11422657 14537767 19077084Shortfall (If any) - As per Need Analysis -1750858 -3568216 -6179615
-10000000
-5000000
0
5000000
10000000
15000000
20000000
25000000
Life Insurance Need @various concept & scenario
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 11
Sr_No.Outstanding
Loan Balance Rs.
Outstanding Period in Months
Interest rate today onwards
EMI Amount Rs.
Outstanding -Interest
Amount to be paid
Outstanding -Total Amount
to be paid
1 150183 63 9.00% 3000 38817 1890002 22629 12 11.00% 2000 1371 240003 63167 48 36.00% 2500 56833 1200004 43665 36 36.00% 2000 28335 720005 100000 0 0.00% 0 0 06 0 0 0.00% 0 0 07 0 0 0.00% 0 0 08 0 0 0.00% 0 0 09 0 0 0.00% 0 0 0
10 0 0 0.00% 0 0 011 0 0 0.00% 0 0 012 0 0 0.00% 0 0 013 0 0 0.00% 0 0 014 0 0 0.00% 0 0 015 0 0 0.00% 0 0 0
379644 9500 125356 405000
Present - Outstanding Loan Liabilities Details :
00
Personal AssetsPersonal AssetsFor Expenses / Other NeedFor Expenses / Other NeedCredit Card Outstanding's
Loan from Friend's / Relatives For Expenses / Other Need
Residential Building / Flat
0
00
Assets Name Loan for?
0000000
Two WheelersCredit Card Outstanding's
0
0000000
0%
5%
10%
15%
20%
25%
30%
2012
2013
2014
2015
2016
2017
2018
Loan Ratio - for Continue Existing LoanLoan Ratio - with Self Earning Loan Ratio - with Total Income
0%
5%
10%
15%
20%
25%
30%
35%
40%
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
Loan Ratio - Continue Existing Loan with Planned Future Loan Loan Ratio - with Self Earning Loan Ratio - with Total Income
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 12
Current Valuation Rs.
Immediate Liquidation Value Rs.
Outstanding Loan Amt. Rs.
4535000 3628000 172812
4535000 3628000 0
Current Valuation Rs.
Surrender Valuation Rs. 172812
357092 350863
498094 448285730518 657467
86304 647281579536 1421583
450000 4050001000000 800000
439000 0613691 314984244000 213000
5998235 4675909100000 100000
Less : 379644 379644
10253592 8024266
Particulars Current Value Rs.:Surrender Value Rs.: Particulars Current Value Rs.:Surrender Value Rs.:
Assets 10633235 8403909 Assets 10633235 8403909
Liabilities 379644 379644 Liabilities 379644 379644
Net Worth 10253592 8024266
106831
Present Net Worh :: Amount Rs.:
Retirement Fund - ( EPS / EPS / PPF)
Unit Linked Life Insurance / Pension Plan
100000
Total : Financial Investments :: Rs.:
Traditional Life Insurance / Pension Plan
Advances to Friends / Relatives / Others
Grand Total : Liabilities :: Amount :: Rs.: 379644
206831
Fixed Assets
Outstanding Loan : On Fixed Assets -Rs.:
Net Worth Statement
Total : Fixed Assets :: Rs.:
For Personal & Family use
Net
Wo
rth
Sta
tem
ent
Outstanding Loan : (For Expenses & Other Need) -Rs.:
Liab
ilitie
s
Loan from relatives / friends - Regular / Cum. Interest
Payment Liabilities for Expenses type Loan
Ass
ets
Loan Payment Liabilities
Cash & EquivelantBank & Company FDR / NCD's
For Fixed Assets : Personal Purpose
For Investment Purpose : Real Estate / Properties( Indluding Immovable & Movable Properties)
Outstanding Loan Amt. Rs.
( Land / Building /Flats /Vehicles/Home contents Etc.)
Outstanding Loan Liabilities
Post Office Schemes ( Excluding - PPF A/c.)Direct EquityMutual Fund -( Excluding - Liquid Fund/Gold ETF)Gold / Silver ( ETF / Coins / Bars )Real Estate
Grand Total :: Assets :: Amount Rs.: 10633235 8403909
Loan Payment - EMI Mode - ( Personal Loan + Credit Card )
Financial Investments
Assets Liabilities Net WorthCurrent Value Rs.: 10633235 379644 10253592Surrender Value Rs.: 8403909 379644 8024266
0
2000000
4000000
6000000
8000000
10000000
12000000
Net Worth Analysis :
Current Value Rs.: Surrender Value Rs.:Liabilities 379644 379644Assets 10633235 8403909
0%10%20%30%40%50%60%70%80%90%
100%
Assets - Liabilities -(% wise)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 13
Current Value
5998235
800657 7.49 Your Savings /Investments are 7.49 times of your Annual Income -(Self + Spouse Income)
950657 6.31 Your Savings /Investments are 6.31 times of your Total Annual Income
Current Value
379644
800657 0.47 Your Debt to Income Ratio is 0.47 with your Annual Income -(Self + Spouse Income)
950657 0.40 Your Debt to Income Ratio is 0.40 with your Total Annual Income.
c
Current Value
257991
800657 32% Your Savings Rate Ratio is 32% with your Annual Income -(Self + Spouse Income)
950657 27% Your Savings Rate Ratio is 27% with your Total Annual Income
Total Annual Savings / Investment Commitment Rs.
Your Annual Income is
Self +Spouse Income Rs.
Total Income (Excl. Interest / Div. Income) Rs.
( EPF Contribution (if any) + Regular Investment Commitment)
Current Value of your O/s. Payment Liabilities
Your Annual Income
Self +Spouse Income Rs.
Total Income (Excl. Interest / Div. Income) Rs.
(Current Investment Value / Current Income)
(Current Financial Obligation OR Liabilities / Annual Income)
Savings Rate to Income Ratio : Method / Formula to arrive ratio : (Total Annual Savings / Investment Commitment / Annual Income)
Method / Formula to arrive ratio :Savings to Income Ratio :
Current Value of your Savings / Investments is Rs.
Your Annual Income
Self +Spouse Income Rs.
Total Income (Excl. Interest / Div. Income) Rs.
Debt to Income Ratio : Method / Formula to arrive ratio :
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 14
Current Value
357092
Monthly Amt.
485400 40450
132000 11000
51450 6.94
Current Value
4675909
Monthly Amt.
485400 40450
132000 11000
51450 90.88
Your have 6.94 months of instant liquid balance to sustain routine expenses.
Basic Liquidity Ratio : Method / Formula to arrive ratio : (Total Liquid Assets / Monthly Outflow of Expenses & Loan EMI )
Liquid Asset -( Cash +Liquid Funds+FDR<1 Year)
Your Annual Outflow
Total Annual Payment of EMI + Interest
Yearly Expenses Amount Rs.
Expanded Liquidity Ratio : Method / Formula to arrive ratio :(Surrender Value of Investments / Monthly Outflow of Expenses & Loan EMI
)
Surrender / Liquidity -Value of Investments -Rs.
Your Annual Outflow
Yearly Expenses Amount Rs.
Total Annual Payment of EMI + Interest
Your have 90.88 months of provision to sustain living standard, if unable to earn on regular basis.
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 15
Current Value
357092
379644 0.94
Current Value
4675909
379644 12.32
Current Value
5657996
Your Annual Income - Rs. 620657 9.12
Liquid Assets Coverage Ratio : Method / Formula to arrive ratio : ( Total Liquid Assets / Total Debt )
Liquid Asset -( Cash +Liquid Funds+FDR<1 Year)
Your Liquid Assets Coverage Ratio is 0.94Total Debt / O/s. Liabilities
Life Insurance Coverage Ratio : Method / Formula to arrive ratio :(Cur. value of Investment - liabilities + Death Benefit by Life Ins./ Annual
Income )
Your Assets + Death Benefit is covering your annual income is 9.12 times.
Value of Investments (Excl.- LI Policy) - Liabilies + Death Benefit of Life Ins. Policy
Solvency Ratio : Method / Formula to arrive ratio : (Surrender Value of Investments / Total O/s. Liabilities )
Surrender / Liquidity -Value of Investments -Rs.
Your Assets is 12.32 times of debt available to repay your debt.Total Debt / O/s. Liabilities
Sample Financial Plan Report in Excel 30/09/2012
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Present Cost of Goal OR Target Goal Amount
Fund to be required in
Period OR Year
Fund to be required for No.
of Years
Wants to Protect Need &
Provide Life Cover
Yes /No.
% wise Amt. wise 15% 12% 9%
83400 6% 0 2013 - to - 2033 21 Yes
104600 8% 0 2013 - to - 2033 21 Yes
114600 7% 0 2013 - to - 2033 21 Yes
52400 10% 0 2013 - to - 2033 21 Yes
62000 10% 0 2013 - to - 2033 21 Yes% wise Amt. wise
0 0% Yes
50000 10% 2013 - To - 2015 3 Yes
100000 10% 2016 - To - 2019 4 Yes
100000 10% 2020 - To - 2022 3 Yes
500000 10% 2023 - To - 2025 3 Yes
1500000 5% 2029 1 Yes
300000 6% 2031 1 Yes
Yes
50000 6% 2013 - To - 2020 8 Yes
100000 6% 2021 - To - 2024 4 Yes
100000 10% 2025 - To - 2027 3 Yes
500000 10% 2028 - To - 2030 3 Yes
0 0% Yes
500000 6% 2032 1 Yes
3500000 6% 2020 1 Yes
800000 6% 2015 1 Yes
70000 6% 2018 1 Yes
55000 6% 2021 1 Yes
80000 5% 2017 1 Yes
250000 0% 10000 2029 1 Yes
10651880 13766990 18306307
Yes
YesYes
Total Life Insurance required for future need : Amount Rs. : 6221594 8038952 10650351
Futu
re F
inan
cial
G
oal
Future Need
Need - Fund for - New Residential House
Need - Fund for - Motor Car
Need - Fund for - Bike for Kevin
Need - Fund for - Scooty for Sandhya
Need - Fund for - 2 Computer System
Need - Fund for - Home Appliances / Furniture
5728038 7655956
2609236 3134164 3800793
Gross Life Insurance Cover for Future Need : Amount Rs. ::
4430286
Child
Fut
ure
Plan
ning Planning
For-Kevin
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
Fund for - Graduation & Higher Education
Fund for - Post Graduation & Master Degree
Fund for - For start in life
Less :Other Income
Spouse Income -( Subject to Life Insurance Cover available )
Agriculture Income etc.Total Income from other sources
Fund for - Marriage Expenses
Planning For-
SandhyaFund for -- Graduation & Higher Education
Fund for -- Post Graduation & Master Degree
Fund for -- Marriage Expenses
Fund for -- Child Care Expenses
Fund for -- Pre-Primary & Primary Education
Fund for -- Secondary & Higher Sec. Education
Following is the life insurance cover amount, which will provided to your family in your absence & generate return on that @ various rate by your
family to fulfil their needs.
1915908 2576740 3543851
1416858 2043238 3031083
Different Rate of Return, Scenario of Future Cash Flow in your absence & Provide Financial Shelter
to your Family
4709879 6012848 7930579
I wish to provide Life Insurance cover to my family for following future needs & liabilities.
Inflation Effect -Present Goal Amount will rise
@Rate
Futu
re
Expe
nses
for
Fam
ily
Family Expenses
Housing Expenses
Food Expenses
Living Expenses
Health Expenses
Entertainment Expenses
Sample Financial Plan Report in Excel 30/09/2012
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B / F => Total Life Insurance required for future need : Amount Rs. : 6221594 8038952 10650351
Add : Required Amount Rs.
Wants to Protect Need?
Required Amount Rs.
Loan Repayment 379644 N.A. 250000
22800 Yes 027800 Yes 034867 Yes 038200 Yes 017467 Yes 0
520777 250000770777110000
660777 660777 660777
Gross Life Insurance required to protect all need of your family in your absence : (@ various rate ) :: 6882371 8699729 11311128
12%
Sr. Year Your Age Spouse Age
Life Insurance to be required /
Opening Balance
Family Expenses
Outstanding Loan Liabilities
To cover future expenses :
Planning For-Kevin
To cover future expenses :
Planning For-Sandhya
Current & Future Financial
Needs for Family
Spouse Income (Subject to Life
Ins.Cover )Other Income
1 2012 39 36 8699729 141133 379644 250000 60000 50000 660777 964674 90036272 2013 40 37 9003627 449834 55000 53000 0 197773 180000 180061 1058828 98823943 2014 41 38 9882394 485343 60500 56180 0 215513 196500 190010 1163086 108554704 2015 42 39 10855470 523753 66550 59551 952813 235038 214650 1152979 1164299 108667905 2016 43 40 10866790 565308 146410 63124 0 256297 234615 283930 1269943 118528046 2017 44 41 11852804 610275 161051 66911 102103 280818 256577 402945 1373983 128238427 2018 45 42 12823842 658942 177156 70926 99296 307324 280734 418262 1488670 138942498 2019 46 43 13894249 711625 194872 75182 0 335927 307308 338443 1626697 151825039 2020 47 44 15182503 768665 214359 79692 5578468 366925 436538 5837721 1121374 10466155
10 2021 48 45 10466155 830435 235795 168948 92921 401534 353692 572873 1187194 1108047611 2022 49 46 11080476 897340 259374 179085 0 466874 389061 479864 1272073 1187268512 2023 50 47 11872685 969820 1426558 189830 0 512160 427968 1646081 1227193 1145379713 2024 51 48 11453797 1048355 1569214 201220 0 558232 470764 1789792 1159681 1082368514 2025 52 49 10823685 1133467 1726136 345227 0 608905 517841 2078084 1049472 979507315 2026 53 50 9795073 1225724 0 379750 0 664649 569625 371200 1130865 1055473916 2027 54 51 10554739 1325744 0 417725 0 725959 626587 390923 1219658 1138347417 2028 55 52 11383474 1434202 0 2297486 0 793404 689246 2249039 1096132 1023056818 2029 56 53 10230568 1551831 3438027 2527235 420000 867595 758171 6311328 470309 438954919 2030 57 54 4389549 1679430 0 2779959 0 949120 833988 2676281 205592 191886020 2031 58 55 1918860 1817871 907680 0 0 1028589 917386 779576 136714 127599721 2032 59 56 1275997 1968103 0 1603568 0 1115994 1009125 1446552 -20466 -19102122 2033 60 57 -191021 2131160 0 0 0 1212143 1110037 -191021 0 023 2034 61 58 0 0 0 0 0 0 0 0 0 024 2035 62 59 0 0 0 0 0 0 0 0 0 025 2036 63 60 0 0 0 0 0 0 0 0 0 026 2037 64 61 0 0 0 0 0 0 0 0 0 027 2038 65 62 0 0 0 0 0 0 0 0 0 028 2039 66 63 0 0 0 0 0 0 0 0 0 029 2040 67 64 0 0 0 0 0 0 0 0 0 030 2041 68 65 0 0 0 0 0 0 0 0 0 031 2042 69 66 0 0 0 0 0 0 0 0 0 0
Family Expenses
Outstanding Loan Liabilities - For Assets & Cash LoanHousing ExpensesFood ExpensesLiving ExpensesHealth ExpensesEntertainment Expenses
Misc. Need
00000
Other Need
Present OR Immediate Need / Particulars
Total Life Insurance Cover for Present Need : Amount Rs. ::
Amount required for Immediate Need OR in
Current Year - i.e. in 2012
Present OR Immediate Need / Particulars
Total required Amount Rs.: Total required Amount Rs.:
Less : Present OR immediate income from spouse & other income
<== Select future Interest Rate on Lump sum Investment from life insurance claim amount to provide a shelter to family
Net Amount to be required
in future
Interest on Balance Amt.
Closing Balance
Present & Future Need to Family in your absence Less : Future Income
Life Insurance Death ClaimCash Flow Statement
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 18
For :Basic Sum Assured
Present Death Benefit Value
Current ValuePaid Up Value of
PolicySurrender Value
Rs. Add :
Traditional Life Insurance Plan 225000 344250 249178 224286 107559 55000 92125 92125 - 53213
280000 436375 341303 224286 160771
Unit Linked Life Insurance Plan Cash Account 225668 225668 200000 200000 30000 33000 20000 Bank FDR 226660 209994 - - - - - Mutual Funds 1590960 1432778 200000 200000 30000 33000 20000 Stock Market 86304 64728
Life Insurance : Pure Term Plan Bonds / NCD's & Co. FD's 391434 352291 - - Post Office Scheme 854518 657467 - - Other Life Ins. & Pension Plan 486388 347213 - - Physical Gold / Funds / ETF 450000 405000 - - Properties Investment 1000000 800000
Retirement Fund 315000 0
For :Basic Sum Assured
Present Death Benefit Value
Current ValuePension Plan
Value Rs.Surrender Value
Rs. Particulars @Return : 15% @Return : 12% @Return : 9%Traditional Life Insurance Plan Reqired Life Ins. Cover 6882371 8699729 11311128
50000 68000 24400 14667 8275 Exsting Life Ins. Cover 5131513 5131513 5131513 - - - - - Shortfall (if any) -1750858 -3568216 -6179615 50000 68000 24400 14667 8275
Unit Linked Life Insurance Plan - - - - - - - - - - - - - - -
- - - - - - - -
15% 12% 9%
2597390 3475681 4852087
68000 68000 68000
Required Life Insurance Coverage :As per Income Replacement Strategy :
Reg. Prem.-Unit Linked Insurance Plan
Surrender Value >>
Investment Instrument
9%15% 12%50000 68000 24400 14667 8275
4495138
5131513
Available Life Insurance Coverage through existing Life Insurance Policies With Coverage through Existing Assets Value
Amar Patel Exis ng Life Insurance Coverage -Death Benefit Value Rs. 636375
Schem Category / Particulars
Existing available coverage to family - Amount Rs.
5131513
Sangita Patel
Present available coverage to family - Amount Rs.:
Reg. Prem. -Traditional Life Insurance PlanSingle Premium -Traditional Life Insurance Plan
Current Value Surrender Value Select Option
Existing Investment Value Rs. :
Total Amount Rs.: 480000 636375 371303 257286 180771
Single Premium -Unit Linked Insurance Plan
5131513 5131513
3568216 6179615
8699729 11311128
Schem Category / Particulars
Reg. Prem. -Traditional Life Insurance PlanSingle Prem. -Traditional Life Insurance Plan
Reg. Prem.-Unit Linked Insurance PlanSingle Premium -Unit Linked Insurance Plan
Total Amount Rs.:
Available Life Insurance Coverage :
2529390 3407681 4784087
Life Insurance - Pure Term Plan
Additional Life Insurance Cover to be required for : Sangita Patel 1750858
Gross Life Insurance Need to Family : (As above Calculated) 6882371
Additional Life Insurance cover to be required to protect your family in
your absence :
@Return : 15% @Return : 12% @Return : 9%Reqired Life Ins. Cover 6882371 8699729 11311128Exsting Life Ins. Cover 5131513 5131513 5131513Shortfall (if any) -1750858 -3568216 -6179615
-8000000-6000000-4000000-2000000
02000000400000060000008000000
100000001200000014000000
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 19
8699
729
9003
627
9882
394
1085
5470
1086
6790
1185
2804
1282
3842
1389
4249
1518
2503
1046
6155
1108
0476
1187
2685
1145
3797
1082
3685
9795
073
1055
4739
1138
3474
1023
0568
4389
549
1918
860
1275
997
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
16000000
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
Required V/s. Available -Life Insurance Cover Analysis
Available Life Ins. Cover Shortall in Life Ins. Cover Required Life Ins. Cover
6607
77
1800
61
1900
10
1152
979
2839
30
4029
45
4182
62
3384
43
5837
721
5728
73
4798
64
1646
081
1789
792
2078
084
3712
00
3909
23
2249
039
6311
328
2676
281
7795
76 1446
552
-1000000
0
1000000
2000000
3000000
4000000
5000000
6000000
7000000
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
Need to be covered V/s.Need to be met & Shortfall to Need Cover
Need to be met with existing life cover Shortfall to need with existing cover Total Need to be Cover
Sample Financial Plan Report in Excel 30/09/2012
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1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
How would you describe yourself as a risk-taker?
Balanced - (Medium Risk)
Result of Risk AnalysisRisk Capacity
6 months to 1 year
You have a market tip on the price appreciation of a certain scrip, you :
Risk the Rs.10,000 on a 50% chance of winning Rs.30,000
Are satisfied and content with the decision
How good is your knowledge of finance?
If you lose your job or stop working today, how long do you think your savings can support you
Aggregate
Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor
You are on a TV game show and you win Rs.10,000. You have a choice to keep the money or risk it to win a higher amount. You :
Do some enquiry and analysis and then decide
Your risk analysis from above questionnaire
Sell some of them
High
Balanced - (Medium Risk)
The stock market has dropped 25% and a share that you own also dropped 25%, but the market expects the share to go up again. What would you do ?
You have a substantial sum of money spare for about 6 months after which you need this sum to repay a loan, this sum is currently not invested anywhere. You would:
You are financially responsible for (exclude dependants who can be supported by your spouse's income)
invest the money in Open ended Equity Oriented Mutual Fund
2 to 3 persons besides youself
Risk Behaviour
Your age is :
Findings from your Risk Analysis
Which one of the following best describes your feeling immediately after making an investment, you :
30 - 40
between Rs.500,000 and Re.10,00,000
15 years or more
Is relatively secure
It would keep pace with inflation
low risk taking capability
I'm proficient in finance
The number of years you have until retirement is :
Your present job or business is :
Your current annual take-home income is :
Invest the money in Mutual Funds
What is your expectation of how your future earnings would be :
If you had Rs.50,000 to invest, which of the following choices would you make ?
Sample Financial Plan Report in Excel 30/09/2012
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Current Value 345668 5%485400 11424 8%132000 0 8%257991 86304 18%875391 630663 15%
For Months 756828 15%44704 15%
115360 15%14804 13%
0 10%17176 9%
0 8%2022932 13.38%
0 - to - 3 8% 374268 19% 9.54%
4 - to - 7 9% 1162765 57% 9.88%
485900 24% 12.00%
Total : 2022932 100.00% 9.54%
Note :Age : 60
Year : 2033
Age : 80
Year : 2053
Select : 2
Calculation of Required Emergency Fund.Particulars
Regular Investment CommitmentTotal Yearly Outflow Amount Rs.
Plan
ner's
N
ote
Regular ExpensesLoan EMI Amount
4 291797
Also required fund in Cash & Equivalent for Current Year Requirements ( If any)
Total Amount to be required in Current Year ( i.e. in Year )
Post Retirement Rate of Return (%)
Growth Over Time Very Important
22
Optimum Return
Investment PrioritiesPreserve Capital Some Extent
Regular Income Not Priority
Period ( No. of Years )
upto Retirement.:
Retirement :
Life Expectacy :
Very Important
Fairly Important Retirement Cash Flow - With Accumulation & Consumption.
Maximum Growth Some Extent
Hybrid Fund - Asset Allocation/OthersHybrid Fund - MIPGold Funds / ETFTotal Amount & Weighted Avg. Return
If retirement period is fall in Short / Medium Term Period, Long Term Return Rate is automatically
replaced by Post Retirement Rate of Return. Please check first, how much year left to retirement.
Risk
Ana
lysi
s
Non Maturity based Investment Portfolio
( i. e. Direct Equity + Mutual Fund)
Existing Portfolio
Portfolio Weightage
Short to Medium Term
Medium to Long Term
Cash / S.B. A/c. / Bank FDR <1 Year
Equity - Thematic & Others
Post Tax Rate of Return (%)
7%
Timely Goal Achievement
Short Term Need
Medium Term Need
8 - Year onwardsEase of Management Extremely Concern
Hybrid Fund - Balanced
Expected Wighted Average
Return (%)
Finding from Your Risk Analysis Result of Risk Analysis
Future Need - Period breakup with required Rate of ReturnPost Tax -
Return Select
12%
For - Pre - Retirement Period : Period (Years) :
Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund)
Existing Portfolio
Expected Return (%)
Risk Behaviour
Long Term Funds
Post Tax Rate of Return - Assumption
Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor
Aggregate Balanced - (Medium Risk)
Risk Capacity High
Balanced - (Medium Risk)
Debt -Liquid
Goal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation
With Existing Investment Portfolio
Tax Relief/advantage Slightly Concern
Safety/ Security Slightly Concern
Liquidity Not Concern
Generating Income Not Concern
Debt -Short Term, Income & G. Sec.Direct EquityEquity - DiversifiedEquity - Diversified -ELSSEquity - Sectoral
Long Term Need
Extremely Concern
250000
Emergency Fund - Should be kept in form of Cash
& Equivalent Advice to kept emergency fund in Cash or Equivalent
for the Month Nos. >>>>
Financial ConcernsInflation
Sample Financial Plan Report in Excel 30/09/2012
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Age at Goal Start
Present Cost of Goal OR Target Goal
Amount
Inflation Effect -
Present Goal Amount will rise @%wise OR Amt.wise
Period ( Years)
available for Regular
Investments
Fund to be required in Period OR
Year
Fund to be required for No. of Years
Goal Priority
If Goal Selection is "Yes", Goal
Funding from Assets Liquidation
/ Future Loan?
Future Goal -Amount to be required Rs.
Goal Funding Amt. from
Assets Liquidation /
Future Loans - Rs.
Goal Funding Amount through
Financial Investment
A/c.
Total Possible Goal
Achievement Amt. Rs.
Shortfall in Goal Amt. Rs.
Possible Goal Achievement
%wise
Shortfall in Goal %wise
Child Age % OR/ Amt,wise
0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%
12 50000 10.00% 1 2013 - To - 2015 3 High Yes N.A. 182050 0 182050 182050 0 100% 0%
15 100000 10.00% 4 2016 - To - 2019 4 High Yes N.A. 679489 0 679489 679489 0 100% 0%
19 100000 10.00% 8 2020 - To - 2022 3 Optional Yes N.A. 709528 0 709528 709528 0 100% 0%
22 500000 10.00% 11 2023 - To - 2025 3 High Yes N.A. 4721908 0 4721908 4721908 0 100% 0%
28 1500000 5.00% 17 2029 1 High Yes Yes 3438027 1719014 1719014 3438027 0 100% 0%
30 300000 6.00% 19 2031 1 High Yes Yes 907680 363072 544608 907680 0 100% 0%
Child Age 10638682 2082086 8556597 10638682 0 100% 0%
0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%
7 50000 6.00% 1 2013 - To - 2020 8 High Yes N.A. 524566 0 524566 524566 0 100% 0%
15 100000 6.00% 9 2021 - To - 2024 4 High Yes N.A. 739082 0 739082 739082 0 100% 0%
19 100000 10.00% 13 2025 - To - 2027 3 High Yes N.A. 1142702 0 1142702 1142702 0 100% 0%
22 500000 10.00% 16 2028 - To - 2030 3 High Yes N.A. 7604680 0 2297486 2297486 5307194 30% 70%
26 500000 6.00% 20 2032 1 High Yes Yes 1603568 801784 801784 1603568 0 100% 0%
0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%
Your Age 11614598 801784 5505620 6307404 5307194 54% 46%
47 3500000 6.00% 8 2020 1 High Yes Yes 5578468 2789234 2789234 5578468 0 100% 0%
42 800000 6.00% 3 2015 1 Medium Yes Yes 952813 476406 476406 952813 0 100% 0%
45 70000 6.00% 6 2018 1 Medium Yes Yes 99296 0 99296 99296 0 100% 0%
48 55000 6.00% 9 2021 1 Medium Yes Yes 92921 0 92921 92921 0 100% 0%
44 80000 5.00% 5 2017 1 Medium Yes Yes 102103 0 102103 102103 0 100% 0%
56 250000 10000 17 2029 1 Optional Yes Yes 420000 0 0 0 420000 0% 100%
Your Age 7245601 3265641 3559961 6825601 420000 94% 6%
60 7224450 0 21 2033 1 High Yes 71115515 0 32503095 32503095 38612420 46% 54%
60 500000 6.00% 21 2033 1 High Yes 1699782 0 1699782 1699782 0 100% 0%
60 1000000 5.00% 21 2033 1 Medium Yes 2785963 0 2785963 2785963 0 100% 0%
60 1000000 5.00% 21 2033 1 Low Yes 2785963 0 2785963 2785963 0 100% 0%
60 1000000 6.00% 21 2033 1 Optional Yes 3399564 0 3399564 3399564 0 100% 0%
Your Age 81786786 43174365 43174365 38612420 53% 47%
57 3000000 6.00% 18 2030 1 Optional Yes Yes 8563017 0 0 0 8563017 0% 100%
77 5000000 21 2050 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100%
0 0 0 High Yes Yes 0 0 0 0 0 0% 0%
57 40000 5.00% 18 2030 - To - 2045 Every 3 Year Optional Yes Yes 859051 0 762786 762786 96265 89% 11%
62 250000 5.00% 21 2035 - To - 2055 Every 5 Year Optional Yes Yes 4595080 0 2998710 2998710 1596369 65% 35%
19017148 0 3761496 3761496 15255652 20% 80%
130302815 6149510 64558039 70707549 59595266 54% 46%
Financial Goal Particulars
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
Need - Fund for - Motor Car
Fund for -- Pre-Primary & Primary Education
Fund for -- Secondary & Higher Sec. Education
Fund for -- Graduation & Higher Education
Fund for -- Post Graduation & Master Degree
Fund for -- Marriage Expenses
Dream - Fund for - Domestic Long Tour
Dream - Fund for - Farm House & Land
Future Need
Child
Fut
ure
Plan
ning Planning
For-Kevin
Planning For-
Sandhya
Fund for - Post Graduation & Master Degree
Futu
re F
inan
cial
G
oal
Future Dreams
Retir
emen
t Pl
anni
ng
Retirement Corpus & Provision
Futu
re F
inan
cial
G
oal
Dream - Fund for - Create Wealth for Family
Dream - Fund for - Foreign Tour
Need - Fund for - Bike for Kevin
Need - Fund for - Scooty for Sandhya
Need - Fund for - 2 Computer System
Need - Fund for - Home Appliances / Furniture
Retirement Need Provision - Donation / Gift
Retirement Need Provision - Reserve Balance
Goal Selection
Fund for - For start in life
Fund for - Marriage Expenses
Need - Fund for - New Residential House
After calculating with your actual cash flow
Fund for - Graduation & Higher Education
Funds to be required to provide regular expenses from Retirement year onwards.
Retirement Need Provision - Medical Expenses
Retirement Need Provision - Tour - Yatra
Wants to include OR
Calculate your Goal Amt. with Current Cash
Flow?
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 23
Sr. No. Year Amar Patel Sangita Patel Kevin Sandhya Self Income( Net of Tax )
Spouse Income
(Net of Tax)
Agriculture Income (if any)
Other Income Total Income Total Expenses
Surplus (Basic Cash
Flow)
Total Loan Repayment Amount Rs.
Loan Repayment For Future
Goal Amount Rs.
Net Surplus for Savings / Investment
Regular Investment
Commitment (Outflow)
Net Balance ( + / - )
@Each Year Ended
0 2012 39 36 11 6 206886 60000 50000 3750 320636 161800 158836 33000 125836 82053 437831 2013 40 37 12 7 623026 197773 165000 15000 1000799 522338 478461 126000 0 352461 263991 884702 2014 41 38 13 8 622490 215513 181500 15000 1034504 562197 472306 108000 0 364306 281991 823153 2015 42 39 14 9 623562 235038 199650 15000 1073249 605218 468031 202000 68790 197240 299991 -1027514 2016 43 40 15 10 623489 256297 219615 15000 1114402 651661 462740 58500 68790 335450 312991 224595 2017 44 41 16 11 625755 280818 241577 15000 1163149 701809 461340 36000 68790 356550 317991 385596 2018 45 42 17 12 625405 307324 265734 15000 1213464 755969 457495 0 68790 388705 335991 527147 2019 46 43 18 13 625405 335927 292308 15000 1268640 814473 454167 0 68790 385376 353991 313858 2020 47 44 19 14 625405 366925 321538 115000 1428868 877684 551184 0 69747 481437 361335 1201029 2021 48 45 20 15 628495 401534 353692 0 1383721 945995 437726 0 69747 367978 358335 9643
10 2022 49 46 21 16 663598 466874 389061 0 1519533 1019834 499699 0 69747 429952 374217 5573511 2023 50 47 22 17 663598 512160 427968 0 1603725 1099664 504062 0 69747 434314 386527 4778712 2024 51 48 23 18 663598 558232 470764 0 1692594 1185989 506605 0 69747 436858 404527 3233113 2025 52 49 24 19 663598 608905 517841 0 1790343 1279359 510984 0 69747 441237 416077 2516014 2026 53 50 25 20 663598 664649 569625 0 1897872 1380369 517502 0 69747 447755 434077 1367815 2027 54 51 26 21 663598 725959 626587 0 2016144 1489669 526475 0 69747 456728 450000 672816 2028 55 52 27 22 663598 793404 689246 0 2146247 1607962 538286 0 69747 468538 468000 53817 2029 56 53 28 23 663598 867595 758171 0 2289363 1736016 553347 0 69747 483600 486000 -240018 2030 57 54 29 24 663598 949120 833988 0 2446706 1874667 572038 0 69747 502291 504000 -170919 2031 58 55 30 25 663598 1028589 917386 0 2609572 2024822 584750 0 69747 515003 522000 -699720 2032 59 56 31 26 663598 1115994 1009125 0 2788717 2187471 601246 0 69747 531499 540000 -850121 2033 60 57 32 27 663598 1212143 1110037 0 2985778 2363690 622088 0 69747 552341 558000 -565922 2034 61 58 33 28 0 1317908 0 0 1317908 0 1317908 0 69747 1248161 0 124816123 2035 62 59 34 29 0 1434254 0 0 1434254 0 1434254 0 0 1434254 0 143425424 2036 63 60 35 30 0 1562224 0 0 1562224 0 1562224 0 0 1562224 0 156222425 2037 64 61 36 31 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 37 32 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 38 33 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 39 34 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 40 35 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 41 36 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 42 37 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 43 38 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 44 39 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 45 40 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 46 41 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 47 42 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 48 43 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 49 44 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 50 45 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 51 46 0 0 0 0 0 0 0 0 0 0 0 041 2053 80 77 52 47 0 0 0 0 0 0 0 0 0 0 0 042 2054 81 78 53 48 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 54 49 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 55 50 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 56 51 0 0 0 0 0 0 0 0 0 0 0 046 2058 85 82 57 52 0 0 0 0 0 0 0 0 0 0 0 047 2059 86 83 58 53 0 0 0 0 0 0 0 0 0 0 0 048 2060 87 84 59 54 0 0 0 0 0 0 0 0 0 0 0 049 2061 88 85 60 55 0 0 0 0 0 0 0 0 0 0 0 050 2062 89 86 61 56 0 0 0 0 0 0 0 0 0 0 0 0
Age :
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 24
Sr. No. Year Amar Patel Sangita Patel Age Child Care Expenses
Pre-Primary & Primary
Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation &
Master Degree
For start in life
Marriage Expenses
Total Amount to be
required.Age Child Care
Expenses
Pre-Primary & Primary
Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation &
Master Degree
For start in life
Marriage Expenses
Total Amount to be
required.
0 182050 679489 709528 4721908 3438027 907680 10638682 0 524566 739082 1142702 7604680 0 1603568 116145981 2013 40 37 12 0 55000 0 0 0 0 0 55000 7 0 53000 0 0 0 0 0 530002 2014 41 38 13 0 60500 0 0 0 0 0 60500 8 0 56180 0 0 0 0 0 561803 2015 42 39 14 0 66550 0 0 0 0 0 66550 9 0 59551 0 0 0 0 0 595514 2016 43 40 15 0 0 146410 0 0 0 0 146410 10 0 63124 0 0 0 0 0 631245 2017 44 41 16 0 0 161051 0 0 0 0 161051 11 0 66911 0 0 0 0 0 669116 2018 45 42 17 0 0 177156 0 0 0 0 177156 12 0 70926 0 0 0 0 0 709267 2019 46 43 18 0 0 194872 0 0 0 0 194872 13 0 75182 0 0 0 0 0 751828 2020 47 44 19 0 0 0 214359 0 0 0 214359 14 0 79692 0 0 0 0 0 796929 2021 48 45 20 0 0 0 235795 0 0 0 235795 15 0 0 168948 0 0 0 0 168948
10 2022 49 46 21 0 0 0 259374 0 0 0 259374 16 0 0 179085 0 0 0 0 17908511 2023 50 47 22 0 0 0 0 1426558 0 0 1426558 17 0 0 189830 0 0 0 0 18983012 2024 51 48 23 0 0 0 0 1569214 0 0 1569214 18 0 0 201220 0 0 0 0 20122013 2025 52 49 24 0 0 0 0 1726136 0 0 1726136 19 0 0 0 345227 0 0 0 34522714 2026 53 50 25 0 0 0 0 0 0 0 0 20 0 0 0 379750 0 0 0 37975015 2027 54 51 26 0 0 0 0 0 0 0 0 21 0 0 0 417725 0 0 0 41772516 2028 55 52 27 0 0 0 0 0 0 0 0 22 0 0 0 0 2297486 0 0 229748617 2029 56 53 28 0 0 0 0 0 3438027 0 3438027 23 0 0 0 0 2527235 0 0 252723518 2030 57 54 29 0 0 0 0 0 0 0 0 24 0 0 0 0 2779959 0 0 277995919 2031 58 55 30 0 0 0 0 0 0 907680 907680 25 0 0 0 0 0 0 0 020 2032 59 56 31 0 0 0 0 0 0 0 0 26 0 0 0 0 0 0 1603568 160356821 2033 60 57 32 0 0 0 0 0 0 0 0 27 0 0 0 0 0 0 0 022 2034 61 58 33 0 0 0 0 0 0 0 0 28 0 0 0 0 0 0 0 023 2035 62 59 34 0 0 0 0 0 0 0 0 29 0 0 0 0 0 0 0 024 2036 63 60 35 0 0 0 0 0 0 0 0 30 0 0 0 0 0 0 0 025 2037 64 61 36 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 026 2038 65 62 37 0 0 0 0 0 0 0 0 32 0 0 0 0 0 0 0 027 2039 66 63 38 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 028 2040 67 64 39 0 0 0 0 0 0 0 0 34 0 0 0 0 0 0 0 029 2041 68 65 40 0 0 0 0 0 0 0 0 35 0 0 0 0 0 0 0 030 2042 69 66 41 0 0 0 0 0 0 0 0 36 0 0 0 0 0 0 0 031 2043 70 67 42 0 0 0 0 0 0 0 0 37 0 0 0 0 0 0 0 032 2044 71 68 43 0 0 0 0 0 0 0 0 38 0 0 0 0 0 0 0 033 2045 72 69 44 0 0 0 0 0 0 0 0 39 0 0 0 0 0 0 0 034 2046 73 70 45 0 0 0 0 0 0 0 0 40 0 0 0 0 0 0 0 035 2047 74 71 46 0 0 0 0 0 0 0 0 41 0 0 0 0 0 0 0 036 2048 75 72 47 0 0 0 0 0 0 0 0 42 0 0 0 0 0 0 0 037 2049 76 73 48 0 0 0 0 0 0 0 0 43 0 0 0 0 0 0 0 038 2050 77 74 49 0 0 0 0 0 0 0 0 44 0 0 0 0 0 0 0 039 2051 78 75 50 0 0 0 0 0 0 0 0 45 0 0 0 0 0 0 0 040 2052 79 76 51 0 0 0 0 0 0 0 0 46 0 0 0 0 0 0 0 041 2053 80 77 52 0 0 0 0 0 0 0 0 47 0 0 0 0 0 0 0 042 2054 81 78 53 0 0 0 0 0 0 0 0 48 0 0 0 0 0 0 0 043 2055 82 79 54 0 0 0 0 0 0 0 0 49 0 0 0 0 0 0 0 044 2056 83 80 55 0 0 0 0 0 0 0 0 50 0 0 0 0 0 0 0 045 2057 84 81 56 0 0 0 0 0 0 0 0 51 0 0 0 0 0 0 0 046 2058 85 82 57 0 0 0 0 0 0 0 0 52 0 0 0 0 0 0 0 047 2059 86 83 58 0 0 0 0 0 0 0 0 53 0 0 0 0 0 0 0 048 2060 87 84 59 0 0 0 0 0 0 0 0 54 0 0 0 0 0 0 0 049 2061 88 85 60 0 0 0 0 0 0 0 0 55 0 0 0 0 0 0 0 050 2062 89 86 61 0 0 0 0 0 0 0 0 56 0 0 0 0 0 0 0 0
Age : Child Future Planning - Future Need for Sandhya
Total Requirement : >>>>
Child Future Planning - Future Need for Kevin
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 25
Sr. No. Year Amar Patel Sangita PatelNeed-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer
System
Dream-Farm House & Land
Need-Home Appliances /
Furniture
Dream-Create Wealth for
Family0-0 Dream-
Foreign Tour
Dream-Domestic Long Tour
Total Amount to be
required.
Funds to be required to
provide regular expenses from
Retirement year onwards.
Retirement Need Provision -
Medical Expenses
Retirement Need Provision -
Tour - Yatra
Retirement Need Provision - Donation / Gift
Retirement Need Provision -
Reserve Balance
Total Amount to be
required.
5578468 952813 99296 92921 102103 8563017 420000 5000000 0 4595080 859051 26262749 71115515 1699782 2785963 2785963 3399564 817867861 2013 40 37 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 2015 42 39 0 952813 0 0 0 0 0 0 0 0 0 952813 0 0 0 0 0 04 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 05 2017 44 41 0 0 0 0 102103 0 0 0 0 0 0 102103 0 0 0 0 0 06 2018 45 42 0 0 99296 0 0 0 0 0 0 0 0 99296 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 5578468 0 0 0 0 0 0 0 0 0 0 5578468 0 0 0 0 0 09 2021 48 45 0 0 0 92921 0 0 0 0 0 0 0 92921 0 0 0 0 0 0
10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 420000 0 0 0 0 420000 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 8563017 0 0 0 0 96265 8659282 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 111439 111439 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 1165379 1699782 2785963 2785963 3399564 1183664923 2035 62 59 0 0 0 0 0 0 0 0 0 767881 0 767881 1320672 0 0 0 0 132067224 2036 63 60 0 0 0 0 0 0 0 0 0 0 129004 129004 1487159 0 0 0 0 148715925 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 0 0 0 166570126 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 0 0 0 185722527 2039 66 63 0 0 0 0 0 0 0 0 0 0 149338 149338 2062740 0 0 0 0 206274028 2040 67 64 0 0 0 0 0 0 0 0 0 980032 0 980032 2283333 0 0 0 0 228333329 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 0 0 0 252018430 2042 69 66 0 0 0 0 0 0 0 0 0 0 172878 172878 2774571 0 0 0 0 277457131 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 0 0 0 304787932 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 0 0 0 334160933 2045 72 69 0 0 0 0 0 0 0 0 0 1250797 200128 1450925 3657387 0 0 0 0 365738734 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 0 0 0 399698135 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 0 0 0 436230436 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 0 0 0 475543837 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 0 0 0 517863938 2050 77 74 0 0 0 0 0 0 0 5000000 0 1596369 0 6596369 5634359 0 0 0 0 563435939 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 0 0 0 612526240 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 0 0 0 665424341 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 0 0 0 722445042 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 046 2058 85 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 047 2059 86 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 048 2060 87 84 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 049 2061 88 85 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 050 2062 89 86 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Age :
Total Requirement : >>>>
Future Financial Need & Dream Retirement Need
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 26
For start in life
Marriage Expenses Marriage
Expenses
New Residential
HouseMotor Car
Regular Regular Lumpsum Lumpsum Regular Regular Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum
0 0 3438027 907680 0 0 0 1603568 5578468 952813 0 0 0 0 0 0 0
0% 0% 50% 40% 0% 0% 0% 50% 50% 50% 0% 0% 0% 0% 0% 0% 0%
0 0 1719014 363072 0 0 0 801784 2789234 476406 0 0 0 0 0 0 0
0 0 2029 2031 0 0 0 2032 2020 2015 0 0 0 0 0 0 0
N.A. N.A. No Yes N.A. N.A. N.A. Yes Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0
4 - Jewellery /
Gold Ornaments
0 0 05 - Gold / Silver /
Ornaments
1 - Residential Building / Flat
2 - Four Wheelers 0 0 0 0 0
0 0 0 756400 0 0 0 1122497 2216183 218700 0 0 0 0 0 0 0
0 0 0 363072 0 0 0 801784 2216183 218700 0 0 0 0 0 0 0
0 0 1719014 0 0 0 0 0 573051 257706 0 0 0 0 0 0 0
N.A. N.A. Yes No N.A. N.A. N.A. No Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0%
0% 0% 100% 0% 0% 0% 0% 0% 100% 100% 0% 0% 0% 0% 0% 0% 0%
0 0 1719014 0 0 0 0 0 573051 257706 0 0 0 0 0 0 0
N.A. N.A. No No N.A. N.A. N.A. No Yes Yes N.A. N.A. N.A. N.A. N.A. N.A. 0%
0% 0% 10% 0% 0% 0% 0% 0% 9% 12% 0% 0% 0% 0% 0% 0% 0%
0 0 10 0 0 0 0 0 15 5 0 0 0 0 0 0 0
0 0 22717 0 0 0 0 0 5812 5733 0 0 0 0 0 0 0
0 0 272603 0 0 0 0 0 69747 68790 0 0 0 0 0 0 0
0 0 1719014 544608 0 0 0 801784 2789234 476406 0 0 0 0 0 0 0
0 0 0 393328 0 0 0 320714 0 0 0 0 0 0 0 0 0
ParticularsPlanning For-Sandhya Future Need & DreamPlanning For-Kevin
Projected Loan Payment Period (in Years)
Monthly Installments
How much % of funding you wants through loan?
Goal Funding Amount from Future Loan
Future Loan to be paid from your Income?
If Yes, Please fill up following details
How much amount, you wants to utilise through Assets?
Outstanding Goal Amount After funding from Assets
Wants to take loan in future for goal funding?
Amount to be required in year / from year?
Wants to utilise current assets for goal funding?
Name of Assets, if you wants to use against Goal Funding
Estimated Interest Rate (%) on Future Loan (if any)
Yearly Loan Payment
After funding from loan (if any ) - Remaining Goal Amount to be mapped with Financial Investment Account
Balance of Assets amount (if any) after goal funding to be transfer to cash flow account
Requirement / Need type
Total Amount to be required for Financial Goal?
How much % of funding you expect through Assets Sale OR Future Loan?
Goal Funding amount expected through Assets Sale OR Future Loan.
Assets value to be available to utilise for Goal funding in that year
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 27
Sr. No. Year Amar Patel Sangita Patel
0 2012 39 36 23205 0 23205 0 0 73862 73862 97067 0 970671 2013 40 37 55000 53000 0 0 108000 72910 0 72910 18750 44000 0 62750 135660 0 0 108000 1356602 2014 41 38 60500 56180 0 0 116680 59160 0 59160 0 0 260000 260000 319160 0 0 116680 3191603 2015 42 39 66550 59551 952813 476406 602507 48410 0 48410 0 155195 50000 205195 253605 0 0 602507 2536054 2016 43 40 146410 63124 0 0 209534 38058 0 38058 0 0 854190 854190 892247 0 0 209534 8922475 2017 44 41 161051 66911 102103 0 330065 1708 0 1708 171225 0 48031 219256 220964 0 0 330065 2209646 2018 45 42 177156 70926 99296 0 347378 0 0 0 18750 0 0 18750 18750 0 0 347378 187507 2019 46 43 194872 75182 0 0 270053 0 0 0 0 0 70000 70000 70000 0 0 270053 700008 2020 47 44 214359 79692 5578468 2789234 3083285 0 0 0 255000 0 0 255000 255000 0 0 3083285 2550009 2021 48 45 235795 168948 92921 0 497664 0 0 0 0 227187 117171 344357 344357 0 0 497664 344357
10 2022 49 46 259374 179085 0 0 438459 0 0 0 108500 0 0 108500 108500 0 0 438459 10850011 2023 50 47 1426558 189830 0 0 1616388 0 0 0 89625 0 0 89625 89625 0 0 1616388 8962512 2024 51 48 1569214 201220 0 0 1770434 0 0 0 0 0 0 0 0 0 0 1770434 013 2025 52 49 1726136 345227 0 0 2071363 0 0 0 243125 0 0 243125 243125 0 0 2071363 24312514 2026 53 50 0 379750 0 0 379750 0 0 0 0 0 0 0 0 0 0 379750 015 2027 54 51 0 417725 0 0 417725 0 0 0 108500 0 0 108500 108500 0 0 417725 10850016 2028 55 52 0 2297486 0 0 2297486 0 0 0 0 0 0 0 0 0 0 2297486 017 2029 56 53 3438027 2527235 420000 1719014 4666249 0 0 0 0 0 0 0 0 0 0 4666249 018 2030 57 54 0 2779959 8659282 0 11439241 0 0 0 0 0 0 0 0 0 0 11439241 019 2031 58 55 907680 0 0 363072 544608 0 0 0 0 0 0 0 0 0 0 544608 020 2032 59 56 0 1603568 0 801784 801784 0 0 0 0 0 0 0 0 0 0 801784 021 2033 60 57 0 0 111439 0 111439 0 0 0 0 0 0 0 0 0 0 111439 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 11836649 15916649 11836649 1591664923 2035 62 59 0 0 767881 0 767881 0 0 0 0 0 0 0 0 1320672 0 2088553 024 2036 63 60 0 0 129004 0 129004 0 0 0 0 0 0 0 0 1487159 0 1616163 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 1665701 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 1857225 027 2039 66 63 0 0 149338 0 149338 0 0 0 0 0 0 0 0 2062740 0 2212078 028 2040 67 64 0 0 980032 0 980032 0 0 0 0 0 0 0 0 2283333 0 3263365 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 2520184 030 2042 69 66 0 0 172878 0 172878 0 0 0 0 0 0 0 0 2774571 0 2947449 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 3047879 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 3341609 033 2045 72 69 0 0 1450925 0 1450925 0 0 0 0 0 0 0 0 3657387 0 5108312 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 3996981 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 4362304 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 4755438 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 5178639 038 2050 77 74 0 0 6596369 0 6596369 0 0 0 0 0 0 0 0 5634359 0 12230728 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 6125262 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 6654243 041 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 7224450 042 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Amount Of Future
Need / Dreams /
Retirement Need Etc.
Regular Income from
Debt Investment (Other than
MF)
Mutual Fund Regular
Withdrawal (SWP)
Income from InvestmentTotal inflow
through Interest / Sys.
Withdrawal from
Investment Account
Inflow through Maturity Proceeds. Investments Account
Total Income / Maturity
Proceeds Amount from
Traditional Plan
Aggregate Amt. of Need & Fund
Required Net Total Amount of Goal Funding (Other than Retirement Need)
Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Investments. ( For Other than Retirement Need ) Retirement Need
Total Inflow throgh
Maturity Proceeds & Investment
Income, Retirement Fund Etc.
Summary Data - For Child Future Need / Other Future Need &
Dreams / Retirement Needs &
Funds available through Maturity proceeds of Investment / Interest Income & Retirement
Benefit / PPF A/c. Etc.
Total Amount of Goal
Funding to be from Sale of
Assets & Future Loan -
Rs.
Child Future Planning -
Future Need for Kevin
Child Future Planning -
Future Need for Sandhya
Future Financial Need & Dream
Total Amount - Post
Retirement Expenses &
Funding Need - Rs.
Retirement Benefit /
Investment Maturity
proceeds of Retirement
Account
Total inflow through Maturity
proceeds of Investment
Account
Total Inflow - Investment Income & Maturity
Proceeds of Investment
Account
Net Amount to be required
from Financial
Investment Portfolio - Rs.
Total Income / Maturity
Proceeds Amount from Unit Linked
Plan
Total Amount of Maturity
Proceeds from Postal
Schemes / Bonds - NCD /
FDR
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 28
Year Sr. No. upto
Retirement
Year Age
Opening Balance
( Investments in Direct
Equity & MF)( 1 )
C/F - Cash - Net Balance - From Earning
Cash Flow ( 2 )
Inflow of Maturity Amount
(See Annexure )
( 3 )
Net Flow During the
Year (4)
(2+3)
Available Balance for
Funding ( 5 )(1+4)
Fund Require for - Future Financial
Need / Goals( 6 )
Balance After Fundings
( 7 )( 5-6 )
Opening Balance of SIP A/c. at Each Year
( 8 )
Possible Goal fundings from
SIP Corpus( 9 )
( 8-7)
SIP Balance After
Fundings( 10 )( 8-9)
Outstanding / Shortfall of
Goal Amount( 11 )( 7-9)
Weighted Average Rate
of Return ( Stock + MF
Portfolio)( 11 )
Return on Balance Amount
(13)( 7 x 12)
Closing Balance
( On Cash Basis)
(14)(7+13)
Possible Goal Achievement
(Financial Investment)
Amt. Rs.
Possible Goal Achievement
%wise
Shortfall in Goal Amt. Rs.
Shortfall in Goal %wise
Primary Cash Flow Shortfall
0 2012 39 2022932 0 97067 97067 2119999 250000 1869999 0 0 49519 0 0.00% 0 1869999 64558039 52% 59595266 48% 109021 2013 40 1869999 43783 135660 179443 2049441 108000 1941441 49519 0 226754 0 9.54% 185128 2126569 108000 100% 0 0% 02 2014 41 2126569 88470 319160 407630 2534199 116680 2417519 226754 0 445501 0 9.54% 230524 2648044 116680 100% 0 0% 03 2015 42 2648044 82315 253605 335920 2983964 602507 2381456 445501 0 712434 0 9.54% 227086 2608542 602507 100% 0 0% 04 2016 43 2608542 -102751 892247 789496 3398038 209534 3188504 712434 0 1035299 0 9.88% 315157 3503662 209534 100% 0 0% 05 2017 44 3503662 22459 220964 243423 3747085 330065 3417020 1035299 0 1423087 0 9.88% 337744 3754764 330065 100% 0 0% 06 2018 45 3754764 38559 18750 57309 3812073 347378 3464694 1423087 0 1886235 0 9.88% 342456 3807151 347378 100% 0 0% 07 2019 46 3807151 52714 70000 122714 3929864 270053 3659811 1886235 0 2436857 0 9.88% 361742 4021553 270053 100% 0 0% 08 2020 47 4021553 31385 255000 286385 4307938 3083285 1224653 2436857 0 3089015 0 12.00% 146958 1371611 3083285 100% 0 0% 09 2021 48 1371611 120102 344357 464459 1836070 497664 1338406 3089015 0 3859031 0 12.00% 160609 1499015 497664 100% 0 0% 0
10 2022 49 1499015 9643 108500 118143 1617159 438459 1178700 3859031 0 4765852 0 12.00% 141444 1320144 438459 100% 0 0% 011 2023 50 1320144 55735 89625 145360 1465503 1616388 -150885 4765852 150885 5656330 0 12.00% 0 0 1616388 100% 0 0% 012 2024 51 0 47787 0 47787 47787 1770434 -1722646 5656330 1722646 4878548 0 12.00% 0 0 1770434 100% 0 0% 013 2025 52 0 32331 243125 275456 275456 2071363 -1795907 4878548 1795907 3903717 0 12.00% 0 0 2071363 100% 0 0% 014 2026 53 0 25160 0 25160 25160 379750 -354590 3903717 354590 4458214 0 12.00% 0 0 379750 100% 0 0% 015 2027 54 0 13678 108500 122178 122178 417725 -295547 4458214 295547 5183404 0 12.00% 0 0 417725 100% 0 0% 016 2028 55 0 6728 0 6728 6728 2297486 -2290758 5183404 2290758 3722243 0 12.00% 0 0 2297486 100% 0 0% 017 2029 56 0 538 0 538 538 4666249 -4665711 3722243 1718475 2703495 2947235 12.00% 0 0 1719014 37% 2947235 63% 018 2030 57 0 -2400 0 -2400 -2400 11439241 -11441641 2703495 0 3528727 11441641 12.00% 0 0 0 0% 11439241 100% 240019 2031 58 0 391619 0 391619 391619 544608 -152989 3528727 152989 4322058 0 12.00% 0 0 544608 100% 0 0% 020 2032 59 0 313716 0 313716 313716 801784 -488067 4322058 488067 4866998 0 12.00% 0 0 801784 100% 0 0% 021 2033 60 0 -8501 0 -8501 -8501 111439 -119940 4866998 111439 5949734 8501 12.00% 0 0 111439 100% 0 0% 850122 2034 61 0 -5659 15916649 15910990 15910990 11836649 4074341 13514755 0 13514755 0 7.00% 1231237 18820333 11836649 100% 0 0% 00 2035 62 18820333 1248161 0 1248161 20068494 2088553 17979941 0 0 0 0 7.00% 1258596 19238537 2088553 100% 0 0% 00 2036 63 19238537 1434254 0 1434254 20672791 1616163 19056627 0 0 0 0 7.00% 1333964 20390591 1616163 100% 0 0% 00 2037 64 20390591 1562224 0 1562224 21952816 1665701 20287115 0 0 0 0 7.00% 1420098 21707213 1665701 100% 0 0% 00 2038 65 21707213 0 0 0 21707213 1857225 19849988 0 0 0 0 7.00% 1389499 21239487 1857225 100% 0 0% 00 2039 66 21239487 0 0 0 21239487 2212078 19027409 0 0 0 0 7.00% 1331919 20359327 2212078 100% 0 0% 00 2040 67 20359327 0 0 0 20359327 3263365 17095962 0 0 0 0 7.00% 1196717 18292680 3263365 100% 0 0% 00 2041 68 18292680 0 0 0 18292680 2520184 15772496 0 0 0 0 7.00% 1104075 16876570 2520184 100% 0 0% 00 2042 69 16876570 0 0 0 16876570 2947449 13929121 0 0 0 0 7.00% 975038 14904160 2947449 100% 0 0% 00 2043 70 14904160 0 0 0 14904160 3047879 11856281 0 0 0 0 7.00% 829940 12686220 3047879 100% 0 0% 00 2044 71 12686220 0 0 0 12686220 3341609 9344612 0 0 0 0 7.00% 654123 9998735 3341609 100% 0 0% 00 2045 72 9998735 0 0 0 9998735 5108312 4890423 0 0 0 0 7.00% 342330 5232752 5108312 100% 0 0% 00 2046 73 5232752 0 0 0 5232752 3996981 1235771 0 0 0 0 7.00% 86504 1322275 3996981 100% 0 0% 00 2047 74 1322275 0 0 0 1322275 4362304 -3040029 0 0 0 3040029 7.00% 0 0 1322275 30% 3040029 70% 00 2048 75 0 0 0 0 0 4755438 -4755438 0 0 0 4755438 7.00% 0 0 0 0% 4755438 100% 00 2049 76 0 0 0 0 0 5178639 -5178639 0 0 0 5178639 7.00% 0 0 0 0% 5178639 100% 00 2050 77 0 0 0 0 0 12230728 -12230728 0 0 0 12230728 7.00% 0 0 0 0% 12230728 100% 00 2051 78 0 0 0 0 0 6125262 -6125262 0 0 0 6125262 7.00% 0 0 0 0% 6125262 100% 00 2052 79 0 0 0 0 0 6654243 -6654243 0 0 0 6654243 7.00% 0 0 0 0% 6654243 100% 00 2053 80 0 0 0 0 0 7224450 -7224450 0 0 0 7224450 7.00% 0 0 0 0% 7224450 100% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing BalanceYear Wise Goal Gap / Shortfall AnalysisFinancial Investment Portfolio - Cash Flow with Goal Mapping
Lumpsum - Financial Investment + Retirement Portfolio
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 29
Required Goal Amount Rs.
Required Lumpsum
Investment
Required Amount Rs.
Required Lumpsum
Investment
Required Goal Amount Rs.
Required Lumpsum
Investment
Required Monthly
Investment
Required Amount Rs.
Required Lumpsum
Investment
Required Monthly
Investment
Required Goal Amount Rs.
Required Lumpsum
Investment
Required Regular
Investment
Required Amount Rs.
Required Lumpsum
Investment
Required Regular
InvestmentMonthly Monthly
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
50000 1 / 3 182050 155624 0 0 0 0 0 0 0 0 0 0 0 0 0 0
100000 4 / 4 0 0 0 0 679489 420627 8990 0 0 0 0 0 0 0 0 0
100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0
500000 11 / 3 0 0 0 0 0 0 0 0 0 0 4721908 1208465 12493 0 0 0
1500000 17 / 1 0 0 0 0 0 0 0 0 0 0 3438027 500729 3657 0 0 0
300000 19 / 1 0 0 0 0 0 0 0 0 0 0 907680 105388 701 0 0 0
182050 155624 0 0 679489 420627 8990 0 0 0 9777143 2069700 20249 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
50000 1 / 8 168731 144513 0 0 276143 171624 3668 0 0 0 79692 32186 429 0 0 0
100000 9 / 4 0 0 0 0 0 0 0 0 0 0 739082 224804 2724 0 0 0
100000 13 / 3 0 0 0 0 0 0 0 0 0 0 1142702 233138 2113 0 0 0
500000 16 / 3 0 0 0 0 0 0 0 0 0 0 7604680 1104352 8476 5307194 729582 5328
500000 20 / 1 0 0 0 0 0 0 0 0 0 0 1603568 166237 1058 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
168731 144513 0 0 276143 171624 3668 0 0 0 11169724 1760718 14800 5307194 729582 5328
3500000 8 / 1 0 0 0 0 0 0 0 0 0 0 5578468 2253050 30002 0 0 0
800000 3 / 1 952813 756374 0 0 0 0 0 0 0 0 0 0 0 0 0 0
70000 6 / 1 0 0 0 0 99296 59207 848 0 0 0 0 0 0 0 0 0
55000 9 / 1 0 0 0 0 0 0 0 0 0 0 92921 33508 406 0 0 0
80000 5 / 1 0 0 0 0 102103 66360 1138 0 0 0 0 0 0 0 0 0
250000 17 / 1 0 0 0 0 0 0 0 0 0 0 420000 61171 447 420000 61171 447
952813 756374 0 0 201399 125567 1986 0 0 0 6091390 2347729 30855 420000 61171 447
7224450 21 / 1 0 0 0 0 0 0 0 0 0 0 71115515 2716122 25362 38612420 1057555 9875
500000 21 / 1 0 0 0 0 0 0 0 0 0 0 1699782 140474 1312 0 0 0
1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0
1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0
1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 3399564 280948 2623 0 0 0
0 0 0 0 0 0 0 0 0 0 81786786 3598023 33596 38612420 1057555 9875
3000000 18 / 1 0 0 0 0 0 0 0 0 0 0 8563017 1113531 7755 8563017 1113531 7755
5000000 21 / 1 0 0 0 0 0 0 0 0 0 0 5000000 139969 818 5000000 139969 818
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40000 18 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 859051 57117 398 96265 12518 87
250000 21 / Every 5 Year 0 0 0 0 0 0 0 0 0 0 4595080 207075 1210 1596369 44689 261
0 0 0 0 0 0 0 0 0 0 19017148 1517693 10180 15255652 1310707 8921
1303594 1056511 0 0 1157030 717817 14645 0 0 0 127842191 11293862 109680 59595266 3159016 24571
Financial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall
Graduation & Higher Education
Post Graduation & Master Degree
Foreign Tour
For Short Term Need - Next 3 Years -Investment required @ 8%
For Full Goal Amount For ShortfallPresent Cost of Goal OR Target Goal Amount
Selected Financial Goal
Reserve Balance
Farm House & Land
Create Wealth for Family
0
Domestic Long Tour
Marriage Expenses
0
New Residential House
Motor Car
Bike for Kevin
Scooty for Sandhya
Retirement Corpus & Provision
Future Dreams
Planning For-Kevin
Donation / Gift
Future Need
For start in life
Marriage Expenses
Pre-Primary & Primary Education
Graduation & Higher Education
Post Graduation & Master Degree
0
Secondary & Higher Sec. EducationPlanning For-
Sandhya
2 Computer System
Home Appliances / Furniture
Today onwards - available years
for Regular Investment
& Funds
requirement for No. of Years
0
Medical Expenses
Tour - Yatra
Funds to be required to provide regular expenses from Retirement year onwards.
Pre-Primary & Primary Education
Secondary & Higher Sec. Education
For Medium Term Need -4 to 7 Years - Investment required @9% For Long Term Need -8 to 22 Years - Investment required @12% & 23 years onwards - Post Retirement @7%
For ShortfallFor Full Goal Amount For Shortfall For Full Goal Amount
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 30
0% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
0% 0%
100% 0%
100% 0%
100% 0%
30% 70%
100% 0%
0% 0%
54% 46%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
0% 100%
94% 6%
46% 54%
100% 0%
100% 0%
100% 0%
100% 0%
53% 47%
0% 100%
0% 100%
0% 0%
89% 11%
65% 35%
20% 80%
54% 46%
Possible Goal Achievement
%wise
Shortfall in Goal %wise Financial Goal Gap Analysis
Future Dreams
Futu
re F
inan
cial
G
oal
Retir
emen
t Pl
anni
ngCh
ild F
utur
e Pl
anni
ng
Financial Goal Particulars
Planning For-Kevin
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
Fund for - Graduation & Higher Education
Fund for - Post Graduation & Master Degree
Fund for - For start in life
Fund for - Marriage Expenses
Planning For-
Sandhya
Aggregate :
Retirement Corpus & Provision
Funds to be required to provide regular expenses from Retirement year onwards.
Retirement Need Provision - Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision - Donation / Gift
Retirement Need Provision - Reserve Balance
Dream - Fund for - Farm House & Land
Dream - Fund for - Create Wealth for Family
Dream - Fund for - Domestic Long Tour
Dream - Fund for - Foreign Tour
Futu
re F
inan
cial
G
oal Future
Need
Need - Fund for - New Residential House
Need - Fund for - Motor Car
Need - Fund for - Bike for Kevin
Need - Fund for - Scooty for Sandhya
Need - Fund for - 2 Computer System
Need - Fund for - Home Appliances / Furniture
Fund for -- Secondary & Higher Sec. Education
Fund for -- Graduation & Higher Education
Fund for -- Post Graduation & Master Degree
Fund for -- Marriage Expenses
Fund for -- Pre-Primary & Primary Education
0
1000000
2000000
3000000
4000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0%
20%
40%
60%
80%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
0
1000000
2000000
3000000
4000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0%
20%
40%
60%
80%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
0
2000000
4000000
6000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0%20%40%60%80%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
0
500000010000000
1500000020
13
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0
5000000
10000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0%
50%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
0%
50%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 31
1080
00
1166
80
6025
07
2095
34
3300
65
3473
78
2700
53
3083
285
4976
64
4384
59
1616
388
1770
434
2071
363
3797
50
4177
25
2297
486
4666
249
1143
9241
5446
08
8017
84
1114
39
1183
6649
2088
553
1616
163
1665
701
1857
225
2212
078 32
6336
5
2520
184
2947
449
3047
879
3341
609
5108
312
3996
981
4362
304
4755
438
5178
639
1223
0728
6125
262
6654
243
7224
450
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
Yearwise Amountwise Goal Gap Analysis
Shortfall in Funds
Funds to be available
Funds to be required
0%10%20%30%40%50%60%70%80%90%
100%
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053
Yearwise %wise Goal Gap Analysis
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 32
Age
39366460116
Personal & Dependant InformationName Sex Relationship Current Status Health Status Date of Birth
Amar Patel Male Self Doing Job Very Good 07/05/1973Sangita Patel Female Spouse / Wife Working Very Good 16/07/1976
Sujataben Patel Female Mother Retired Average 22/11/1951
Maheshbhai Patel Male Father Retired Above Average 05/02/1948
Sandhya Female Daughter Studying Very Good 26/02/2006
Kevin Male Son Studying Very Good 18/04/2001
0 0 0 0 0 0
0 0 0 0 0 0
Family Health Information & History
Name Covered under Health Insurance?
Any permanent physical disability?
Continue on any Medications or Drugs?
Major Surgery /Hospitalisation in last 5
Years?
Have you or any family member ever suffered / suffering from?
Self Family History
Heart DiseaseSangita Patel Yes No No No 0 0Amar Patel Yes No No No 0
Heart DiseaseSujataben Patel No No Yes No Diabetes 0Maheshbhai Patel No No Yes No High / Low BP
0Sandhya Yes No No No 0 0Kevin Yes No No No 0
Health Insurance Policy DetailsPolicy Name Insurer Company Policy Type Annual Premium Sum Assured Start Date No. of Insured Person
00 0 0 0 0 0 00 0 0 0 0 0
40 0 0 0 0 0 0
XYZ ABC Floating 4400 200000 22/09/2003
00 0 0 0 0 0 00 0 0 0 0 0
0Group Mediclaim 0 0 0 0 0 0
0 0 0 0 0 0
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 33
Policy Type
0 00 00 0
Personal Accident 0 0 0 0 0
Planner's Comments / Advice - On Health Insurance Coverage
No. of Family
Person / Assets
Pure Risk Coverage - General Insurance Policy Details
Insurance Policy ( For) Name of Person Insured Insurer Company Rider (if any) Start Date Annual
Premium Sum Assured
Suggested Health Cover
Indicative Annual
Premium Amount
Individual OR Floating
From Company
Policy Name
Critical Illness 0 0 0 0 0
Group Pers.Accident 0 0 0 0 0
0 00 0Household 0 0 0 0
Vehicles 0 0 0 0
Policy For / To Cover
Planner's Comments / Advice on other General Insurance Coverage / Risk Protection
From Company
Policy NameSuggested
Cover
Indicative Annual
Premium Amount
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 34
Navsari
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree For start in life Marriage
ExpensesTotal Amount
Rs.
0 High High Optional High High High
0 50000 100000 100000 500000 1500000 300000 2550000
Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 5% 6%
OR @Amountwise year on year 0 0 0 0 0 0 0
0 1 4 8 11 17 19
0 2013 2016 2020 2023 2029 2031
0 3 4 3 3 1 1
0 2015 2019 2022 2025 2029 2031
0 1 4 8 11 17 19
0 2013 2016 2020 2023 2029 2031
0 12 15 19 22 28 30
This period is remain same in most of time,
except if there is early
retirement desired before Fin. Goal year
arrival.
Financial Goal Priority
To be required in Year / Or / Goal start beginning from Year
Current Cost / Expenses -You wants to provide :
Inflation Effect
Years left to Financial Goal Arrival
Requirement up to Year
Regular Investment to be required for No. of Years from today onwards
Requirement for Period / Total No. of Years
Regular Investment to be required up to year from today onwards
Financial Goal / Requirement - will start - Child age at each goal stage
Planning For-KevinYour Selection - Planning For-
Kevin
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 35
Navsari
0 2013 0 0 0 0 0
0 182050 0 0 0 0 0 182050
0 0 0 0 0 0 0 0
Lumpsum 0 155624 0 0 0 0 0 155624
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree For start in life Marriage
Expenses Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 8% 155624 12450 168074
2 2013 40 8% 168074 0 55000 0 0 0 0 0 55000 9046 122120
3 2014 41 8% 122120 0 60500 0 0 0 0 0 60500 4930 66550
4 2015 42 8% 66550 0 66550 0 0 0 0 0 66550 0 0
Short Term Requirement (if any)
Investment to be required @%
8%Pre Retirement Period
Required in Year / From Year
Required Amount
Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 36
Navsari
0 0 2016 0 0 0 0
0 0 679489 0 0 0 0 679489
0 0 0 0 0 0 0 0
Lumpsum 0 0 420627 0 0 0 0 420627
Monthly 0 0 8990 0 0 0 0 8990
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree For start in life Marriage
Expenses Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 9% 420627 37856 458483
2 2013 40 9% 458483 0 0 0 0 0 0 0 0 41263 499746
3 2014 41 9% 499746 0 0 0 0 0 0 0 0 44977 544724
4 2015 42 9% 544724 0 0 0 0 0 0 0 0 49025 593749
5 2016 43 9% 593749 0 0 146410 0 0 0 0 146410 40260 487599
6 2017 44 9% 487599 0 0 161051 0 0 0 0 161051 29389 355937
7 2018 45 9% 355937 0 0 177156 0 0 0 0 177156 16090 194872
8 2019 46 9% 194872 0 0 194872 0 0 0 0 194872 0 0
0 0 0 2020 2023 2029 2031
0 0 0 709528 4721908 3438027 907680 9777143
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 2020 2023 2029 2031
0 0 0 709528 4721908 3438027 907680 9777143
0 0 0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 0 0 0 255117 1208465 500729 105388 2069700
Monthly 0 0 0 3397 12493 3657 701 20249
Quarterly 0 0 0 10156 37496 11072 2129 60854
Half Yearly 0 0 0 20208 75029 22434 4333 122004
Yearly 0 0 0 40014 150123 45941 8948 245026
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Lumpsum Investment to be required @%
Pre Retirement Period9%
15%
Required in Year / From YearLong Term Requirement
Pre Retirement
Required Amount
Required in Year / From Year
Required AmountConsolidated Requirement
Post Retirement
Required in Year / From Year
Required Amount
Investment to be required @%
Required in Year / From YearMedium Term
Requirement (if any)
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
15%
Required Amount
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 37
Navsari
0 0 0 255117 1208465 500729 105388 2069700
0 0 0 3397 12493 3657 701 20249
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
N.A.Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree For start in life Marriage
Expenses Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 12% 2069700 248364 23180642 2013 40 12% 2318064 0 0 0 0 0 0 0 0 278168 25962323 2014 41 12% 2596232 0 0 0 0 0 0 0 0 311548 29077794 2015 42 12% 2907779 0 0 0 0 0 0 0 0 348934 32567135 2016 43 12% 3256713 0 0 0 0 0 0 0 0 390806 36475186 2017 44 12% 3647518 0 0 0 0 0 0 0 0 437702 40852217 2018 45 12% 4085221 0 0 0 0 0 0 0 0 490226 45754478 2019 46 12% 4575447 0 0 0 0 0 0 0 0 549054 51245019 2020 47 12% 5124501 0 0 0 214359 0 0 0 214359 589217 5499359
10 2021 48 12% 5499359 0 0 0 235795 0 0 0 235795 631628 589519211 2022 49 12% 5895192 0 0 0 259374 0 0 0 259374 676298 631211612 2023 50 12% 6312116 0 0 0 0 1426558 0 0 1426558 586267 547182413 2024 51 12% 5471824 0 0 0 0 1569214 0 0 1569214 468313 437092314 2025 52 12% 4370923 0 0 0 0 1726136 0 0 1726136 317374 296216215 2026 53 12% 2962162 0 0 0 0 0 0 0 0 355459 331762116 2027 54 12% 3317621 0 0 0 0 0 0 0 0 398115 371573617 2028 55 12% 3715736 0 0 0 0 0 0 0 0 445888 416162418 2029 56 12% 4161624 0 0 0 0 0 3438027 0 3438027 86832 81042819 2030 57 12% 810428 0 0 0 0 0 0 0 0 97251 90768020 2031 58 12% 907680 0 0 0 0 0 0 907680 907680 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 0 038 2049 76 7% 0 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0
Monthly Investment (up to Goal Start ) to be required for each Goal
Total Lump sum amt. required
Total amt. required - Monthly
Lump sum Investment to be required for each Goal
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 38
Navsari
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree For start in life Marriage
Expenses Total Amount
0 182050 679489 709528 4721908 3438027 907680 10638682
0
Goal Funding through Sale of Assets0 0 0 0 0 0 363072 363072
Goal Funding through Future Loan0 0 0 0 0 1719014 0 1719014
Goal Funding through Financial Investments0 182050 679489 709528 4721908 1719014 544608 8556597
Goal Shortfall0 0 0 0 0 0 0 0
0% 100% 100% 100% 100% 100% 100% 100%
0% 0% 0% 0% 0% 0% 0% 0%Shortfall of Goal Amount (% wise ) : :
Calculating with your actual cash flow. :
Goal Status : Particulars
Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow :
Shortfall of Goal Amount : :Calculating with your actual cash flow. :
Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow :
Goal Funding through Sale of Assets
Goal Funding through Future Loan
Goal Funding through Financial Investments
Total Amount of Future Goal : - To be required - (Amount Rs. ) :
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Pre-Primary &Primary
Education
Secondary &Higher Sec.Education
Graduation &Higher
Education
Post Graduation& Master
Degree
For start in life MarriageExpenses
Goal Gap Analysis
Goal Shortfall
Goal Funding throughFinancial Investments
Goal Funding throughFuture Loan
Goal Funding through Saleof Assets
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 39
Navsari
0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree For start in life Marriage
Expenses Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 8% 0 0 0
2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 0
3 2014 41 8% 0 0 0 0 0 0 0 0 0 0 0
4 2015 42 8% 0 0 0 0 0 0 0 0 0 0 0
8%
Short Term Requirement (if any)
Pre Retirement Period
Required in Year / From Year
Required Amount
Investment to be required @%
Lumpsum Or Regular Cash amount required to be invest after calculating & analysing
future earning & Investment cash flow for shortfall (if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 40
Navsari
0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0 0 0
Monthly 0 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree For start in life Marriage
Expenses Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 9% 0 0 0 0
2 2013 40 9% 0 0 0 0 0 0 0 0 0 0 0
3 2014 41 9% 0 0 0 0 0 0 0 0 0 0 0
4 2015 42 9% 0 0 0 0 0 0 0 0 0 0 0
5 2016 43 9% 0 0 0 0 0 0 0 0 0 0 0
6 2017 44 9% 0 0 0 0 0 0 0 0 0 0 0
7 2018 45 9% 0 0 0 0 0 0 0 0 0 0 0
8 2019 46 9% 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 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
0 0 0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 0 0 0 0 0 0 0 0
Monthly 0 0 0 0 0 0 0 0
Quarterly 0 0 0 0 0 0 0 0
Half Yearly 0 0 0 0 0 0 0 0
Yearly 0 0 0 0 0 0 0 0
Required in Year / From Year
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
Pre Retirement
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
15%
Long Term Requirement
Required Amount
Pre Retirement Period
Required in Year / From Year
Required Amount
9%
Lumpsum Investment to be required @%
Post Retirement
Consolidated Requirement
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 41
Navsari
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree For start in life Marriage
Expenses Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 12% 0 0 02 2013 40 12% 0 0 0 0 0 0 0 0 0 0 03 2014 41 12% 0 0 0 0 0 0 0 0 0 0 04 2015 42 12% 0 0 0 0 0 0 0 0 0 0 05 2016 43 12% 0 0 0 0 0 0 0 0 0 0 06 2017 44 12% 0 0 0 0 0 0 0 0 0 0 07 2018 45 12% 0 0 0 0 0 0 0 0 0 0 08 2019 46 12% 0 0 0 0 0 0 0 0 0 0 09 2020 47 12% 0 0 0 0 0 0 0 0 0 0 0
10 2021 48 12% 0 0 0 0 0 0 0 0 0 0 011 2022 49 12% 0 0 0 0 0 0 0 0 0 0 012 2023 50 12% 0 0 0 0 0 0 0 0 0 0 013 2024 51 12% 0 0 0 0 0 0 0 0 0 0 014 2025 52 12% 0 0 0 0 0 0 0 0 0 0 015 2026 53 12% 0 0 0 0 0 0 0 0 0 0 016 2027 54 12% 0 0 0 0 0 0 0 0 0 0 017 2028 55 12% 0 0 0 0 0 0 0 0 0 0 018 2029 56 12% 0 0 0 0 0 0 0 0 0 0 019 2030 57 12% 0 0 0 0 0 0 0 0 0 0 020 2031 58 12% 0 0 0 0 0 0 0 0 0 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 0 038 2049 76 7% 0 0 0 0 0 0 0 0 0 0 039 2050 77 7% 0 0 0 0 0 0 0 0 0 0 040 2051 78 7% 0 0 0 0 0 0 0 0 0 0 041 2052 79 7% 0 0 0 0 0 0 0 0 0 0 042 2053 80 0% 0 0 0 0 0 0 0 0 0 0 043 2054 81 0% 0 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0
Total amt. required - Monthly
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 42
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree
Marriage Expenses Total Amount
Rs.
0 High High High High High 0
0 50000 100000 100000 500000 500000 0 1250000
Goal Cost / Expenses Will Grow @% wise 0% 6% 6% 10% 10% 6% 0%
OR @Amountwise year on year 0 0 0 0 0 0 0
0 1 9 13 16 20 0
0 2013 2021 2025 2028 2032 0
0 8 4 3 3 1 0
0 2020 2024 2027 2030 2032 0
0 1 9 13 16 20 0
0 2013 2021 2025 2028 2032 0
0 7 15 19 22 26 0
Your Selection - Planning For-Sandhya
Financial Goal Priority
Current Cost / Expenses -You wants to provide :
Years left to Financial Goal ArrivalThis period is
remain same in most of time,
except if there is early
retirement desired before Fin. Goal year
arrival.
To be required in Year / Or / Goal start beginning from Year
Requirement for Period / Total No. of Years
Requirement up to Year
Regular Investment to be required for No. of Years from today onwards
Regular Investment to be required up to year from today onwards
Inflation Effect
Financial Goal / Requirement - will start - Child age at each goal stage
Planning For-Sandhya
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 43
0 2013 0 0 0 0 0
0 168731 0 0 0 0 0 168731
0 0 0 0 0 0 0 0
Lumpsum 0 144513 0 0 0 0 0 144513
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree
Marriage Expenses Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 8% 144513 11561 156074
2 2013 40 8% 156074 0 53000 0 0 0 0 0 53000 8246 111320
3 2014 41 8% 111320 0 56180 0 0 0 0 0 56180 4411 59551
4 2015 42 8% 59551 0 59551 0 0 0 0 0 59551 0 0
Required in Year / From Year
Required Amount
Investment to be required @%
Short Term Requirement (if any)
Pre Retirement Period8%
Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 44
0 2016 0 0 0 0 0
0 276143 0 0 0 0 0 276143
0 0 0 0 0 0 0 0
Lumpsum 0 171624 0 0 0 0 0 171624
Monthly 0 3668 0 0 0 0 0 3668
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree
Marriage Expenses Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 9% 171624 15446 187070
2 2013 40 9% 187070 0 0 0 0 0 0 0 0 16836 203906
3 2014 41 9% 203906 0 0 0 0 0 0 0 0 18352 222258
4 2015 42 9% 222258 0 0 0 0 0 0 0 0 20003 242261
5 2016 43 9% 242261 0 63124 0 0 0 0 0 63124 16122 195260
6 2017 44 9% 195260 0 66911 0 0 0 0 0 66911 11551 139900
7 2018 45 9% 139900 0 70926 0 0 0 0 0 70926 6208 75182
8 2019 46 9% 75182 0 75182 0 0 0 0 0 75182 0 0
0 2020 2021 2025 2028 2032 0
0 79692 739082 1142702 7604680 1603568 0 11169724
0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 2020 2021 2025 2028 2032 0
0 79692 739082 1142702 7604680 1603568 0 11169724
0 0 0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 0 32186 224804 233138 1104352 166237 0 1760718
Monthly 0 429 2724 2113 8476 1058 0 14800
Quarterly 0 1281 8154 6359 25624 3218 0 44636
Half Yearly 0 2550 16254 12775 51805 6564 0 89948
Yearly 0 5048 32294 25751 105659 13611 0 182364
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
Required Amount
Pre Retirement
Post Retirement
Medium Term Requirement (if any)
Consolidated Requirement
Lumpsum Investment to be required @%
Required in Year / From Year
Required Amount
Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
Pre Retirement Period
Required in Year / From Year
Required in Year / From Year
Required Amount
9%
15%
Long Term Requirement
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 45
0 32186 224804 233138 1104352 166237 0 1760718
0 429 2724 2113 8476 1058 0 14800
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
N.A.Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree
Marriage Expenses N.A. Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 12% 1760718 211286 19720042 2013 40 12% 1972004 0 0 0 0 0 0 0 0 236640 22086443 2014 41 12% 2208644 0 0 0 0 0 0 0 0 265037 24736824 2015 42 12% 2473682 0 0 0 0 0 0 0 0 296842 27705245 2016 43 12% 2770524 0 0 0 0 0 0 0 0 332463 31029866 2017 44 12% 3102986 0 0 0 0 0 0 0 0 372358 34753457 2018 45 12% 3475345 0 0 0 0 0 0 0 0 417041 38923868 2019 46 12% 3892386 0 0 0 0 0 0 0 0 467086 43594729 2020 47 12% 4359472 0 79692 0 0 0 0 0 79692 513574 4793354
10 2021 48 12% 4793354 0 0 168948 0 0 0 0 168948 554929 517933411 2022 49 12% 5179334 0 0 179085 0 0 0 0 179085 600030 560028012 2023 50 12% 5600280 0 0 189830 0 0 0 0 189830 649254 605970413 2024 51 12% 6059704 0 0 201220 0 0 0 0 201220 703018 656150214 2025 52 12% 6561502 0 0 0 345227 0 0 0 345227 745953 696222815 2026 53 12% 6962228 0 0 0 379750 0 0 0 379750 789897 737237516 2027 54 12% 7372375 0 0 0 417725 0 0 0 417725 834558 778920917 2028 55 12% 7789209 0 0 0 0 2297486 0 0 2297486 659007 615072918 2029 56 12% 6150729 0 0 0 0 2527235 0 0 2527235 434819 405831319 2030 57 12% 4058313 0 0 0 0 2779959 0 0 2779959 153403 143175720 2031 58 12% 1431757 0 0 0 0 0 0 0 0 171811 160356821 2032 59 12% 1603568 0 0 0 0 0 1603568 0 1603568 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 0 038 2049 76 7% 0 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 46
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree
Marriage Expenses Total Amount
0 524566 739082 1142702 7604680 1603568 0 11614598
0
Goal Funding through Sale of Assets0 0 0 0 0 801784 0 801784
Goal Funding through Future Loan0 0 0 0 0 0 0 0
Goal Funding through Financial Investments0 524566 739082 1142702 2297486 801784 0 5505620
Goal Shortfall0 0 0 0 5307194 0 0 5307194
0% 100% 100% 100% 30% 100% 0% 54%
0% 0% 0% 0% 70% 0% 0% 46%
Goal Status : Particulars
Total Amount of Future Goal : - To be required - (Amount Rs. ) :
Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow :
Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow :
Shortfall of Goal Amount (% wise ) : :Calculating with your actual cash flow. :
Goal Funding through Sale of Assets
Goal Funding through Future Loan
Goal Funding through Financial Investments
Shortfall of Goal Amount : :Calculating with your actual cash flow. :
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Pre-Primary &Primary Education
Secondary & HigherSec. Education
Graduation &Higher Education
Post Graduation &Master Degree
Marriage Expenses
Goal Gap Analysis
Goal Shortfall
Goal Funding through FinancialInvestments
Goal Funding through Future Loan
Goal Funding through Sale of Assets
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 47
0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree
Marriage Expenses Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 8% 0 0 0
2 2013 40 8% 0 0 0 0 0 0 0 0 0 0 0
3 2014 41 8% 0 0 0 0 0 0 0 0 0 0 0
4 2015 42 8% 0 0 0 0 0 0 0 0 0 0 0
Required Amount
Investment to be required @%
8%
Short Term Requirement (if any)
Pre Retirement Period
Required in Year / From Year
Lumpsum Or Regular Cash amount required to be invest after calculating & analysing
future earning & Investment cash flow for shortfall (if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 48
0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0 0 0
Monthly 0 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree
Marriage Expenses Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 9% 0 0 0 0
2 2013 40 9% 0 0 0 0 0 0 0 0 0 0 0
3 2014 41 9% 0 0 0 0 0 0 0 0 0 0 0
4 2015 42 9% 0 0 0 0 0 0 0 0 0 0 0
5 2016 43 9% 0 0 0 0 0 0 0 0 0 0 0
6 2017 44 9% 0 0 0 0 0 0 0 0 0 0 0
7 2018 45 9% 0 0 0 0 0 0 0 0 0 0 0
8 2019 46 9% 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 2029 0 0
0 0 0 0 5307194 0 0 5307194
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 2029 0 0
0 0 0 0 5307194 0 0 5307194
0 0 0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 0 0 0 0 729582 0 0 729582
Monthly 0 0 0 0 5328 0 0 5328
Quarterly 0 0 0 0 16132 0 0 16132
Half Yearly 0 0 0 0 32687 0 0 32687
Yearly 0 0 0 0 66937 0 0 66937
Required in Year / From Year
Pre Retirement Period9%
15%
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
Required Amount
Pre Retirement
Post Retirement
Consolidated Requirement
Lumpsum Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
Required in Year / From Year
Required Amount
Long Term Requirement
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 49
0 0 0 0 729582 0 0 729582
0 0 0 0 5328 0 0 5328
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Pre-Primary &
Primary Education
Secondary & Higher Sec. Education
Graduation & Higher
Education
Post Graduation & Master Degree
Marriage Expenses Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 12% 729582 87550 8171322 2013 40 12% 817132 0 0 0 0 0 0 0 0 98056 9151883 2014 41 12% 915188 0 0 0 0 0 0 0 0 109823 10250104 2015 42 12% 1025010 0 0 0 0 0 0 0 0 123001 11480125 2016 43 12% 1148012 0 0 0 0 0 0 0 0 137761 12857736 2017 44 12% 1285773 0 0 0 0 0 0 0 0 154293 14400667 2018 45 12% 1440066 0 0 0 0 0 0 0 0 172808 16128748 2019 46 12% 1612874 0 0 0 0 0 0 0 0 193545 18064199 2020 47 12% 1806419 0 0 0 0 0 0 0 0 216770 2023189
10 2021 48 12% 2023189 0 0 0 0 0 0 0 0 242783 226597211 2022 49 12% 2265972 0 0 0 0 0 0 0 0 271917 253788812 2023 50 12% 2537888 0 0 0 0 0 0 0 0 304547 284243513 2024 51 12% 2842435 0 0 0 0 0 0 0 0 341092 318352714 2025 52 12% 3183527 0 0 0 0 0 0 0 0 382023 356555015 2026 53 12% 3565550 0 0 0 0 0 0 0 0 427866 399341616 2027 54 12% 3993416 0 0 0 0 0 0 0 0 479210 447262617 2028 55 12% 4472626 0 0 0 0 0 0 0 0 536715 500934118 2029 56 12% 5009341 0 0 0 0 2527235 0 0 2527235 297853 277995919 2030 57 12% 2779959 0 0 0 0 2779959 0 0 2779959 0 020 2031 58 12% 0 0 0 0 0 0 0 0 0 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0 0
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 50
Need-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer System
Need-Home Appliances /
Furniture
Total Amount Rs.
High Medium Medium Medium Medium Optional
3500000 800000 70000 55000 80000 250000 4755000
Goal Cost / Expenses Will Grow @% wise 6% 6% 6% 6% 5% 0%
OR @Amountwise year on year 0 0 0 0 0 10000
8 3 6 9 5 17
2020 2015 2018 2021 2017 2029
1 1 1 1 1 1
2020 2015 2018 2021 2017 2029
8 3 6 9 5 17
2020 2015 2018 2021 2017 2029
This period is remain same in most of time,
except if there is early
retirement desired before Fin. Goal year
arrival.
To be required in Year / Or / Goal start beginning from Year
Requirement for Period / Total No. of Years
Requirement up to Year
Regular Investment to be required for No. of Years from today onwards
Regular Investment to be required up to year from today onwards
Your Selection for Financial Need
Financial Goal Priority
Current Cost / Expenses -You wants to provide :
Inflation Effect
Years left to Financial Goal Arrival
Analysis & Cash Flow Statement
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 51
0 2015 0 0 0 0
0 952813 0 0 0 0 952813
0 0 0 0 0 0 0
Lumpsum 0 756374 0 0 0 0 756374
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0Need-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer System
Need-Home Appliances /
FurnitureTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 8% 756374 60510 816883
2 2013 40 8% 816883 0 0 0 0 0 0 0 65351 882234
3 2014 41 8% 882234 0 0 0 0 0 0 0 70579 952813
4 2015 42 8% 952813 0 952813 0 0 0 0 952813 0 0
Required in Year / From Year
Required Amount
Investment to be required @%
Short Term Requirement (if any)
Pre Retirement Period8%
Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 52
0 0 2018 0 2017 0
0 0 99296 0 102103 0 201399
0 0 0 0 0 0 0
Lumpsum 0 0 59207 0 66360 0 125567
Monthly 0 0 848 0 1138 0 1986
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0Need-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer System
Need-Home Appliances /
FurnitureTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 9% 125567 11301 136868
2 2013 40 9% 136868 0 0 0 0 0 0 0 12318 149186
3 2014 41 9% 149186 0 0 0 0 0 0 0 13427 162613
4 2015 42 9% 162613 0 0 0 0 0 0 0 14635 177248
5 2016 43 9% 177248 0 0 0 0 0 0 0 15952 193200
6 2017 44 9% 193200 0 0 0 0 102103 0 102103 8199 99296
7 2018 45 9% 99296 0 0 99296 0 0 0 99296 0 0
8 2019 46 9% 0 0 0 0 0 0 0 0 0 0
2020 0 0 2021 0 2029 0
5578468 0 0 92921 0 420000 0 6091390
0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
2020 0 0 2021 0 2029 0
5578468 0 0 92921 0 420000 0 6091390
0 0 0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 2253050 0 0 33508 0 61171 0 2347729
Monthly 30002 0 0 406 0 447 0 30855
Quarterly 89693 0 0 1215 0 1353 0 92261
Half Yearly 178465 0 0 2423 0 2741 0 183628
Yearly 353384 0 0 4814 0 5612 0 363810
Required in Year / From Year
Required in Year / From Year
Required Amount
9%
15%
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
Required AmountLong Term
Requirement
Pre Retirement
Post Retirement
Consolidated Requirement
Lumpsum Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
Pre Retirement Period
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 53
0 2253050 0 0 33508 0 61171 2347729
0 30002 0 0 406 0 447 30855
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Need-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer System
Need-Home Appliances /
FurnitureTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 12% 2347729 281727 26294562 2013 40 12% 2629456 0 0 0 0 0 0 0 315535 29449913 2014 41 12% 2944991 0 0 0 0 0 0 0 353399 32983904 2015 42 12% 3298390 0 0 0 0 0 0 0 395807 36941975 2016 43 12% 3694197 0 0 0 0 0 0 0 443304 41375006 2017 44 12% 4137500 0 0 0 0 0 0 0 496500 46340007 2018 45 12% 4634000 0 0 0 0 0 0 0 556080 51900808 2019 46 12% 5190080 0 0 0 0 0 0 0 622810 58128909 2020 47 12% 5812890 5578468 0 0 0 0 0 5578468 28131 262552
10 2021 48 12% 262552 0 0 0 92921 0 0 92921 20356 18998711 2022 49 12% 189987 0 0 0 0 0 0 0 22798 21278512 2023 50 12% 212785 0 0 0 0 0 0 0 25534 23831913 2024 51 12% 238319 0 0 0 0 0 0 0 28598 26691814 2025 52 12% 266918 0 0 0 0 0 0 0 32030 29894815 2026 53 12% 298948 0 0 0 0 0 0 0 35874 33482116 2027 54 12% 334821 0 0 0 0 0 0 0 40179 37500017 2028 55 12% 375000 0 0 0 0 0 0 0 45000 42000018 2029 56 12% 420000 0 0 0 0 0 420000 420000 0 019 2030 57 12% 0 0 0 0 0 0 0 0 0 020 2031 58 12% 0 0 0 0 0 0 0 0 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 038 2049 76 7% 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 54
Need-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer System
Need-Home Appliances /
FurnitureTotal Amount
5578468 952813 99296 92921 102103 420000 7245601
0
Goal Funding through Sale of Assets2216183 218700 0 0 0 0 2434883
Goal Funding through Future Loan573051 257706 0 0 0 0 830757
Goal Funding through Financial Investments2789234 476406 99296 92921 102103 0 3559961
Goal Shortfall0 0 0 0 0 420000 420000
100% 100% 100% 100% 100% 0% 94%
0% 0% 0% 0% 0% 100% 6%
Goal Status : Particulars
Total Amount of Future Goal : - To be required - (Amount Rs. ) :
Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow :
Goal Funding through Sale of Assets
Goal Funding through Future Loan
Goal Funding through Financial Investments
Shortfall of Goal Amount : :Calculating with your actual cash flow. :
Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow :
Shortfall of Goal Amount (% wise ) : :Calculating with your actual cash flow. :
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Need-New ResidentialHouse
Need-Motor Car Need-Bike for Kevin Need-Scooty forSandhya
Need-2 ComputerSystem
Need-HomeAppliances / Furniture
Goal Gap Analysis
Goal Shortfall
Goal Funding through FinancialInvestments
Goal Funding through Future Loan
Goal Funding through Sale of Assets
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 55
0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Need-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer System
Need-Home Appliances /
FurnitureTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 8% 0 0 0
2 2013 40 8% 0 0 0 0 0 0 0 0 0 0
3 2014 41 8% 0 0 0 0 0 0 0 0 0 0
4 2015 42 8% 0 0 0 0 0 0 0 0 0 0
Required Amount
Investment to be required @%
8%
Short Term Requirement (if any)
Pre Retirement Period
Required in Year / From Year
Lumpsum Or Regular Cash amount required to be invest after calculating & analysing
future earning & Investment cash flow for shortfall (if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 56
0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0 0
Monthly 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0Need-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer System
Need-Home Appliances /
FurnitureTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 9% 0 0 0 0
2 2013 40 9% 0 0 0 0 0 0 0 0 0 0
3 2014 41 9% 0 0 0 0 0 0 0 0 0 0
4 2015 42 9% 0 0 0 0 0 0 0 0 0 0
5 2016 43 9% 0 0 0 0 0 0 0 0 0 0
6 2017 44 9% 0 0 0 0 0 0 0 0 0 0
7 2018 45 9% 0 0 0 0 0 0 0 0 0 0
8 2019 46 9% 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 2029
0 0 0 0 0 420000 420000
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 2029
0 0 0 0 0 420000 420000
0 0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 0 0 0 0 0 61171 61171
Monthly 0 0 0 0 0 447 447
Quarterly 0 0 0 0 0 1353 1353
Half Yearly 0 0 0 0 0 2741 2741
Yearly 0 0 0 0 0 5612 5612
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
Pre Retirement
Post Retirement
Consolidated Requirement
Lumpsum Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
Required AmountLong Term
RequirementRequired in Year / From Year
Required Amount
Required in Year / From Year
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
Pre Retirement Period9%
15%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 57
0 0 0 0 0 0 61171 61171
0 0 0 0 0 0 447 447
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Need-New Residential
House
Need-Motor Car
Need-Bike for Kevin
Need-Scooty for Sandhya
Need-2 Computer System
Need-Home Appliances /
FurnitureTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 12% 61171 7340 685112 2013 40 12% 68511 0 0 0 0 0 0 0 8221 767323 2014 41 12% 76732 0 0 0 0 0 0 0 9208 859404 2015 42 12% 85940 0 0 0 0 0 0 0 10313 962535 2016 43 12% 96253 0 0 0 0 0 0 0 11550 1078046 2017 44 12% 107804 0 0 0 0 0 0 0 12936 1207407 2018 45 12% 120740 0 0 0 0 0 0 0 14489 1352298 2019 46 12% 135229 0 0 0 0 0 0 0 16227 1514569 2020 47 12% 151456 0 0 0 0 0 0 0 18175 169631
10 2021 48 12% 169631 0 0 0 0 0 0 0 20356 18998711 2022 49 12% 189987 0 0 0 0 0 0 0 22798 21278512 2023 50 12% 212785 0 0 0 0 0 0 0 25534 23831913 2024 51 12% 238319 0 0 0 0 0 0 0 28598 26691814 2025 52 12% 266918 0 0 0 0 0 0 0 32030 29894815 2026 53 12% 298948 0 0 0 0 0 0 0 35874 33482116 2027 54 12% 334821 0 0 0 0 0 0 0 40179 37500017 2028 55 12% 375000 0 0 0 0 0 0 0 45000 42000018 2029 56 12% 420000 0 0 0 0 0 420000 420000 0 019 2030 57 12% 0 0 0 0 0 0 0 0 0 020 2031 58 12% 0 0 0 0 0 0 0 0 0 021 2032 59 12% 0 0 0 0 0 0 0 0 0 022 2033 60 12% 0 0 0 0 0 0 0 0 0 023 2034 61 7% 0 0 0 0 0 0 0 0 0 024 2035 62 7% 0 0 0 0 0 0 0 0 0 025 2036 63 7% 0 0 0 0 0 0 0 0 0 026 2037 64 7% 0 0 0 0 0 0 0 0 0 027 2038 65 7% 0 0 0 0 0 0 0 0 0 028 2039 66 7% 0 0 0 0 0 0 0 0 0 029 2040 67 7% 0 0 0 0 0 0 0 0 0 030 2041 68 7% 0 0 0 0 0 0 0 0 0 031 2042 69 7% 0 0 0 0 0 0 0 0 0 032 2043 70 7% 0 0 0 0 0 0 0 0 0 033 2044 71 7% 0 0 0 0 0 0 0 0 0 034 2045 72 7% 0 0 0 0 0 0 0 0 0 035 2046 73 7% 0 0 0 0 0 0 0 0 0 036 2047 74 7% 0 0 0 0 0 0 0 0 0 037 2048 75 7% 0 0 0 0 0 0 0 0 0 051 2062 89 0% 0 0 0 0 0 0 0 0 0 0
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 58
2012 39 %wise OR Amount wise ( In Years)
68400 6% 0 21 2033 232530 40% 0 139518
83400 6% 0 21 2033 283524 5% 0 269347
104600 8% 0 21 2033 526539 5% 0 500212
114600 7% 0 21 2033 474508 5% 0 450783
52400 10% 0 21 2033 387773 -10% 0 426550
62000 10% 0 21 2033 458815 25% 0 344112
485400 2363690 Reduction >> 10% 2130523
Retirement Year
Retirement Age
2033 60 %wise Amt.wise %wise OR Amt.wise Age Upto Yr.
139518 6% 0 0 1110037 0% 0 80 2053
269347 6% 0 0 0 0% 0 80 2053
500212 6% 0 0 0 0% 0 80 2053
450783 6% 0 0 0 0% 0 80 2053
426550 10% 0 0 0 0% 0 80 2053
Year Age 344112 6% 0 80 2053
2053 80 2130523
1020485
Less :Retirement
Income - Rs.
1110037
Inflation effect after retirementRetirement year onwards Expenses / Particulars
Life ExpectancyRetirement Income from /
Source
Retirement Income will rise
Housing Expenses
Personal Expenses
Retirement Income Amount
Rs.
1110037Total Amount Rs.
Current Expenses / Particulars Expenses Amount Rs.
CurrentYear Retirement Year Expenses at
Retirement - Rs.
Entertainment Expenses
Personal Expenses
Housing Expenses
Final Expenses Amount - Retirement Year Onwards
CurrentAge
Health Expenses
After Ret.you will be able to reduce lump sum expenses
%wise OR Amount wise
Total Amount Rs.
Living Expenses
Pre - Retirement Expenses Details
Post - Retirement Income -Expenses Details
Inflation effect on Expenses Retirement Period
Food Expenses
2130523
Net Expenses Rs. : ( Retirement onwards Expenses - Income ) - to be required at start of retirement period
Retirement year onwards Expenses Retirement year onwards Income
Food Expenses
Living Expenses
Health Expenses
Entertainment Expenses
Expenses Amount at Retirement
Life Expectancy
20Total Period in Years
0
2000000
4000000
6000000
8000000
Pre -Retirement Expenses
Post -Retirement Expenses
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 59
2033 60
1020485 1020485 1020485
8% 7% 6%
20 20 20
29886121 32865924 36276567
will Rise @ % Or Amt. wise
6% 0 1699782 1699782 1699782
5% 0 2785963 2785963 2785963
5% 0 2785963 2785963 2785963
6% 0 3399564 3399564 3399564
10671271 10671271 10671271
40557391 43537194 46947838
Funds to be required to
provide regular expenses from Retirement year
onwards.
Retirement Need Provision
- Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision -
Donation / Gift
Retirement Need Provision -
Reserve Balance
Total Amount Rs.
High High Medium Low Optional
485400 500000 1000000 1000000 1000000 3985400
Goal Cost / Expenses Will Grow @% wise As mentioned 6% 5% 5% 6%
OR @Amountwise year on year in above sheet
21 21 21 21 21
2033 2033 2033 2033 2033
1 1 1 1 1
2033 2033 2033 2033 2033
21 21 21 21 21
2033 2033 2033 2033 2033
Your Selection for Retirement Need
Financial Goal Priority
Current Cost / Expenses -You wants to provide :
Inflation Effect
Years left to Financial Goal ArrivalThis period is
remain same in most of time,
except if there is early
retirement desired before Fin. Goal year
arrival.
To be required in Year / Or / Goal start beginning from Year
Requirement for Period / Total No. of Years
Requirement up to Year
Regular Investment to be required for No. of Years from today onwards
Regular Investment to be required up to year from today onwards
Total corpus to be required at retirement to cover post retirement expenses & Additional provisional fund requirement (if any)
Current Cost OR Target Amount
1000000
500000
Add : Additional Requirement at Retirement
Medical Expenses
Tour - Yatra
Gross Retirement Corpus Need -Calculation Sheet
Conservative Rate (%)
Aggressive Rate (%)
Moderate Rate (%)Calculation of Post Retirement Corpus with 3 scenario at different rate of return
Amount needed in year
Total corpus to be required for retirement period ( upto 20 years) to cover post retirement expenses
1000000
1000000Reserve Balance
Current Cost - ( Inflation )
Donation / Gift
Expenses amount at retirement year onwards ( As per Income - Expenses calculation sheet)
Requirement duration : Total No. of Years ( Retirement Year to Life Expectancy Year )
Post Retirement - Expected Rate of Return on Retirement Corpus
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 60
0 0 0 0 00 0 0 0 0 00 0 0 0 0 0
Lumpsum 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0
Funds to be required to
provide regular expenses from Retirement year
Retirement Need Provision
- Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision -
Donation / Gift
Retirement Need Provision -
Reserve BalanceTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 8% 0 0 02 2013 40 8% 0 0 0 0 0 0 0 0 03 2014 41 8% 0 0 0 0 0 0 0 0 04 2015 42 8% 0 0 0 0 0 0 0 0 0
Required in Year / From YearRequired AmountInvestment to be required @%
8%
Short Term Requirement (if any)
Pre Retirement Period
Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 61
0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0
Monthly 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0
Funds to be required to
provide regular expenses from Retirement year
onwards.
Retirement Need Provision
- Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision -
Donation / Gift
Retirement Need Provision -
Reserve BalanceTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 9% 0 0 0
2 2013 40 9% 0 0 0 0 0 0 0 0 0
3 2014 41 9% 0 0 0 0 0 0 0 0 0
4 2015 42 9% 0 0 0 0 0 0 0 0 0
5 2016 43 9% 0 0 0 0 0 0 0 0 0
6 2017 44 9% 0 0 0 0 0 0 0 0 0
7 2018 45 9% 0 0 0 0 0 0 0 0 0
8 2019 46 9% 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0 0
2034 2034 2034 2034 2034 0
71115515 1699782 2785963 2785963 3399564 0 81786786
0 0 0 0 0 0 0
2034 2034 2034 2034 2034 0
71115515 1699782 2785963 2785963 3399564 0 81786786
0 0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 2716122 140474 230239 230239 280948 0 3598023
Monthly 25362 1312 2150 2150 2623 0 33596
Quarterly 76706 3967 6502 6502 7934 0 101612
Half Yearly 155216 8028 13157 13157 16055 0 205613
Yearly 317230 16407 26891 26891 32813 0 420231
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
Lumpsum Investment to be required @%
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
15%
Long Term Requirement
Pre Retirement
Post Retirement
Consolidated Requirement
Pre Retirement Period
Required Amount
Required in Year / From Year
Required Amount
Required in Year / From Year
9%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 62
0 2716122 140474 230239 230239 280948 3598023
0 25362 1312 2150 2150 2623 33596
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Funds to be required to
provide regular expenses from Retirement year
onwards.
Retirement Need Provision
- Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision -
Donation / Gift
Retirement Need Provision -
Reserve BalanceTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 12% 3598023 431763 40297862 2013 40 12% 4029786 0 0 0 0 0 0 483574 45133603 2014 41 12% 4513360 0 0 0 0 0 0 541603 50549634 2015 42 12% 5054963 0 0 0 0 0 0 606596 56615595 2016 43 12% 5661559 0 0 0 0 0 0 679387 63409466 2017 44 12% 6340946 0 0 0 0 0 0 760914 71018597 2018 45 12% 7101859 0 0 0 0 0 0 852223 79540838 2019 46 12% 7954083 0 0 0 0 0 0 954490 89085739 2020 47 12% 8908573 0 0 0 0 0 0 1069029 9977601
10 2021 48 12% 9977601 0 0 0 0 0 0 1197312 1117491311 2022 49 12% 11174913 0 0 0 0 0 0 1340990 1251590312 2023 50 12% 12515903 0 0 0 0 0 0 1501908 1401781113 2024 51 12% 14017811 0 0 0 0 0 0 1682137 1569994914 2025 52 12% 15699949 0 0 0 0 0 0 1883994 1758394215 2026 53 12% 17583942 0 0 0 0 0 0 2110073 1969401616 2027 54 12% 19694016 0 0 0 0 0 0 2363282 2205729717 2028 55 12% 22057297 0 0 0 0 0 0 2646876 2470417318 2029 56 12% 24704173 0 0 0 0 0 0 2964501 2766867419 2030 57 12% 27668674 0 0 0 0 0 0 3320241 3098891520 2031 58 12% 30988915 0 0 0 0 0 0 3718670 3470758521 2032 59 12% 34707585 0 0 0 0 0 0 4164910 3887249522 2033 60 12% 38872495 0 0 0 0 0 0 4664699 4353719423 2034 61 7% 43537194 1165379 1699782 2785963 2785963 3399564 11836649 2219038 3391958324 2035 62 7% 33919583 1320672 0 0 0 0 1320672 2281924 3488083525 2036 63 7% 34880835 1487159 0 0 0 0 1487159 2337557 3573123326 2037 64 7% 35731233 1665701 0 0 0 0 1665701 2384587 3645012027 2038 65 7% 36450120 1857225 0 0 0 0 1857225 2421503 3701439728 2039 66 7% 37014397 2062740 0 0 0 0 2062740 2446616 3739827429 2040 67 7% 37398274 2283333 0 0 0 0 2283333 2458046 3757298730 2041 68 7% 37572987 2520184 0 0 0 0 2520184 2453696 3750649931 2042 69 7% 37506499 2774571 0 0 0 0 2774571 2431235 3716316232 2043 70 7% 37163162 3047879 0 0 0 0 3047879 2388070 3650335333 2044 71 7% 36503353 3341609 0 0 0 0 3341609 2321322 3548306734 2045 72 7% 35483067 3657387 0 0 0 0 3657387 2227798 3405347735 2046 73 7% 34053477 3996981 0 0 0 0 3996981 2103955 3216045136 2047 74 7% 32160451 4362304 0 0 0 0 4362304 1945870 2974401737 2048 75 7% 29744017 4755438 0 0 0 0 4755438 1749201 2673777938 2049 76 7% 26737779 5178639 0 0 0 0 5178639 1509140 2306828039 2050 77 7% 23068280 5634359 0 0 0 0 5634359 1220374 1865429640 2051 78 7% 18654296 6125262 0 0 0 0 6125262 877032 1340606641 2052 79 7% 13406066 6654243 0 0 0 0 6654243 472628 722445042 2053 80 0% 7224450 7224450 0 0 0 0 7224450 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 045 2056 83 0% 0 0 0 0 0 0 0 0 0
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly
Sample Financial Plan Report in Excel 30/09/2012
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Funds to be required to
provide regular expenses from Retirement year
onwards.
Retirement Need Provision
- Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision -
Donation / Gift
Retirement Need Provision -
Reserve Balance0 Total Amount
71115515 1699782 2785963 2785963 3399564 81786786
Goal Funding through Investment32503095 1699782 2785963 2785963 3399564 43174365
Goal Shortfall38612420 0 0 0 0 38612420
46% 100% 100% 100% 100% 53%
54% 0% 0% 0% 0% 47%
Goal Status : Particulars
Total Amount of Future Goal : - To be required - (Amount Rs. ) :
Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow :Shortfall of Goal Amount : :
Calculating with your actual cash flow. :Possible Achievement of Future Goal ( %wise ) : :
with your Actual Cash Flow :Shortfall of Goal Amount (% wise ) : :
Calculating with your actual cash flow. :
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Funds to be required toprovide regular expenses from
Retirement year onwards.
Retirement Need Provision -Medical Expenses
Retirement Need Provision -Tour - Yatra
Retirement Need Provision -Donation / Gift
Retirement Need Provision -Reserve Balance
Goal Gap Analysis
Goal Funding through Investment Goal Shortfall
Sample Financial Plan Report in Excel 30/09/2012
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0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Funds to be required to
provide regular expenses from Retirement year
onwards.
Retirement Need Provision
- Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision -
Donation / Gift
Retirement Need Provision -
Reserve Balance0 Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 8% 0 0 0
2 2013 40 8% 0 0 0 0 0 0 0 0 0
3 2014 41 8% 0 0 0 0 0 0 0 0 0
4 2015 42 8% 0 0 0 0 0 0 0 0 0
Short Term Requirement (if any)
Pre Retirement Period
Required in Year / From Year
Required Amount
Investment to be required @%
8%
Lumpsum Or Regular Cash amount required to be invest after calculating & analysing
future earning & Investment cash flow for shortfall (if any)
Sample Financial Plan Report in Excel 30/09/2012
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0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0
Monthly 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0
Funds to be required to
provide regular expenses from Retirement year
onwards.
Retirement Need Provision
- Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision -
Donation / Gift
Retirement Need Provision -
Reserve Balance0 Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 9% 0 0 0 0
2 2013 40 9% 0 0 0 0 0 0 0 0 0
3 2014 41 9% 0 0 0 0 0 0 0 0 0
4 2015 42 9% 0 0 0 0 0 0 0 0 0
5 2016 43 9% 0 0 0 0 0 0 0 0 0
6 2017 44 9% 0 0 0 0 0 0 0 0 0
7 2018 45 9% 0 0 0 0 0 0 0 0 0
8 2019 46 9% 0 0 0 0 0 0 0 0 0
0 0 0 0 0
0 0 0 0 0 0
2034 0 0 0 0
38612420 0 0 0 0 38612420
0 0 0 0 0 0
2034 0 0 0 0
38612420 0 0 0 0 38612420
0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 1057555 0 0 0 0 1057555
Monthly 9875 0 0 0 0 9875
Quarterly 29866 0 0 0 0 29866
Half Yearly 60435 0 0 0 0 60435
Yearly 123517 0 0 0 0 123517
Required Amount
Post Retirement
Consolidated Requirement
Lumpsum Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required AmountPre Retirement
Required in Year / From Year
Long Term Requirement
Required in Year / From Year
9%
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
Pre Retirement Period15%
Required in Year / From Year
Required Amount
Sample Financial Plan Report in Excel 30/09/2012
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0 1057555 0 0 0 0 1057555
0 9875 0 0 0 0 9875
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Funds to be required to
provide regular expenses from Retirement year
onwards.
Retirement Need Provision
- Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision -
Donation / Gift
Retirement Need Provision -
Reserve BalanceTotal Needs Interest on
Balance Amt.Closing Balance
1 2012 39 12% 1057555 126907 11844622 2013 40 12% 1184462 0 0 0 0 0 0 142135 13265973 2014 41 12% 1326597 0 0 0 0 0 0 159192 14857894 2015 42 12% 1485789 0 0 0 0 0 0 178295 16640845 2016 43 12% 1664084 0 0 0 0 0 0 199690 18637746 2017 44 12% 1863774 0 0 0 0 0 0 223653 20874277 2018 45 12% 2087427 0 0 0 0 0 0 250491 23379188 2019 46 12% 2337918 0 0 0 0 0 0 280550 26184689 2020 47 12% 2618468 0 0 0 0 0 0 314216 2932684
10 2021 48 12% 2932684 0 0 0 0 0 0 351922 328460611 2022 49 12% 3284606 0 0 0 0 0 0 394153 367875912 2023 50 12% 3678759 0 0 0 0 0 0 441451 412021013 2024 51 12% 4120210 0 0 0 0 0 0 494425 461463514 2025 52 12% 4614635 0 0 0 0 0 0 553756 516839115 2026 53 12% 5168391 0 0 0 0 0 0 620207 578859816 2027 54 12% 5788598 0 0 0 0 0 0 694632 648323017 2028 55 12% 6483230 0 0 0 0 0 0 777988 726121818 2029 56 12% 7261218 0 0 0 0 0 0 871346 813256419 2030 57 12% 8132564 0 0 0 0 0 0 975908 910847120 2031 58 12% 9108471 0 0 0 0 0 0 1093017 1020148821 2032 59 12% 10201488 0 0 0 0 0 0 1224179 1142566622 2033 60 12% 11425666 0 0 0 0 0 0 1371080 1279674623 2034 61 7% 12796746 0 0 0 0 0 0 895772 1369251924 2035 62 7% 13692519 0 0 0 0 0 0 958476 1465099525 2036 63 7% 14650995 0 0 0 0 0 0 1025570 1567656526 2037 64 7% 15676565 0 0 0 0 0 0 1097360 1677392427 2038 65 7% 16773924 0 0 0 0 0 0 1174175 1794809928 2039 66 7% 17948099 0 0 0 0 0 0 1256367 1920446629 2040 67 7% 19204466 0 0 0 0 0 0 1344313 2054877830 2041 68 7% 20548778 0 0 0 0 0 0 1438414 2198719331 2042 69 7% 21987193 0 0 0 0 0 0 1539104 2352629632 2043 70 7% 23526296 0 0 0 0 0 0 1646841 2517313733 2044 71 7% 25173137 0 0 0 0 0 0 1762120 2693525734 2045 72 7% 26935257 0 0 0 0 0 0 1885468 2882072535 2046 73 7% 28820725 0 0 0 0 0 0 2017451 3083817536 2047 74 7% 30838175 3040029 0 0 0 0 3040029 1945870 2974401737 2048 75 7% 29744017 4755438 0 0 0 0 4755438 1749201 2673777938 2049 76 7% 26737779 5178639 0 0 0 0 5178639 1509140 2306828039 2050 77 7% 23068280 5634359 0 0 0 0 5634359 1220374 1865429640 2051 78 7% 18654296 6125262 0 0 0 0 6125262 877032 1340606641 2052 79 7% 13406066 6654243 0 0 0 0 6654243 472628 722445042 2053 80 0% 7224450 7224450 0 0 0 0 7224450 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 0
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Sample Financial Plan Report in Excel 30/09/2012
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40557391 43537194 469478388% 7% 6%
Year Age
2033 606307986 6307986 6307986
2036 60 904327 904327 904327
Total : 7212313 Total : 0 7212313 7212313 7212313
1139315 1139315 1139315
7565021 7565021 7565021
8704336 8704336 8704336
15916649 15916649 15916649
2033 60 24640742 27620545 31031189
2012 39
24640742 27620545 31031189 24640742 27620545 31031189 24640742 27620545 31031189
Aggressive Moderate Conservative Aggressive Moderate Conservative Aggressive Moderate Conservative
8% 7% 6% 8% 7% 6% 8% 7% 6%
155682 174508 196057 237838 266600 299520 359551 403032 452799
12049 13506 15173 19205 21527 24185 29858 33469 37602
1138417 1276085 1433659 2036373 2282631 2564495 3700589 4148101 4660317
Total Retirement Corpus to be required at Retirement :
Sangita Patel
Value of Retirement Benefit Corpus
EPF & EPS Valuation at Retirement
Retirement
Sangita Patel- in 2036
12%
22
Mutual Fund -SIP Valuation (Retirement)
Gratuity Value at Retirement
0
Lump sum Investment to be required
total Corpus to be accumulated
Investment Tenure ( Years)
Amar Patel
15%
22
CurrentYear
CurrentAge So, as of today how much amount to be invested to build retirement corpus
6307986
Retirement benefits corpus Amar Patel- in 2033
904327
Moderate
Separate Retirement Plan Calculation Sheet For Working Couple to find Investment Need with Retirement Corpus
Assumed Return - Post Retirement
Assumed Return - Pre Retirement
Yearly Investment to be requiredMonthly Investment to be required
PPF Valuation of all Accounts
0
Other Investment / Retirement Corpus
22
Conservative
9%
Aggressive
Less : Amount receivable towards retirement benefits / other investment contributed for retirements
Total value of retirement benefit corpus at Retirement Rs. ::
Therefore, total amount to be accumulated at retirement year
Sample Financial Plan Report in Excel 30/09/2012
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12% 7%Amar Patel Sangita Patel
Age Age Amar Patel Sangita PatelMaturity Value
of other Investments
Rs.
Reserve Fund -Provisional
Requirement
Fund for Yearly Expenses
1 2012 39 36 2282631 0 0 0 2282631 0 0 2282631 12% 273916 25565472 2013 40 37 2556547 0 0 0 2556547 0 0 2556547 12% 306786 28633333 2014 41 38 2863333 0 0 0 2863333 0 0 2863333 12% 343600 32069324 2015 42 39 3206932 0 0 0 3206932 0 0 3206932 12% 384832 35917645 2016 43 40 3591764 0 0 0 3591764 0 0 3591764 12% 431012 40227766 2017 44 41 4022776 0 0 0 4022776 0 0 4022776 12% 482733 45055097 2018 45 42 4505509 0 0 0 4505509 0 0 4505509 12% 540661 50461708 2019 46 43 5046170 0 0 0 5046170 0 0 5046170 12% 605540 56517119 2020 47 44 5651711 0 0 0 5651711 0 0 5651711 12% 678205 6329916
10 2021 48 45 6329916 0 0 0 6329916 0 0 6329916 12% 759590 708950611 2022 49 46 7089506 0 0 0 7089506 0 0 7089506 12% 850741 794024712 2023 50 47 7940247 0 0 0 7940247 0 0 7940247 12% 952830 889307613 2024 51 48 8893076 0 0 0 8893076 0 0 8893076 12% 1067169 996024514 2025 52 49 9960245 0 0 0 9960245 0 0 9960245 12% 1195229 1115547515 2026 53 50 11155475 0 0 0 11155475 0 0 11155475 12% 1338657 1249413216 2027 54 51 12494132 0 0 0 12494132 0 0 12494132 12% 1499296 1399342817 2028 55 52 13993428 0 0 0 13993428 0 0 13993428 12% 1679211 1567263918 2029 56 53 15672639 0 0 0 15672639 0 0 15672639 12% 1880717 1755335519 2030 57 54 17553355 0 0 0 17553355 0 0 17553355 12% 2106403 1965975820 2031 58 55 19659758 0 0 0 19659758 0 0 19659758 12% 2359171 2201892921 2032 59 56 22018929 0 0 0 22018929 0 0 22018929 12% 2642271 2466120122 2033 60 57 24661201 0 0 0 24661201 0 0 24661201 12% 2959344 2762054523 2034 61 58 27620545 7212313 0 8704336 43537194 10671271 1165379 31700545 7% 2219038 3391958324 2035 62 59 33919583 0 0 0 33919583 0 1320672 32598911 7% 2281924 3488083525 2036 63 60 34880835 0 0 0 34880835 0 1487159 33393676 7% 2337557 3573123326 2037 64 61 35731233 0 0 0 35731233 0 1665701 34065533 7% 2384587 3645012027 2038 65 62 36450120 0 0 0 36450120 0 1857225 34592895 7% 2421503 3701439728 2039 66 63 37014397 0 0 0 37014397 0 2062740 34951657 7% 2446616 3739827429 2040 67 64 37398274 0 0 0 37398274 0 2283333 35114941 7% 2458046 3757298730 2041 68 65 37572987 0 0 0 37572987 0 2520184 35052803 7% 2453696 3750649931 2042 69 66 37506499 0 0 0 37506499 0 2774571 34731927 7% 2431235 3716316232 2043 70 67 37163162 0 0 0 37163162 0 3047879 34115283 7% 2388070 3650335333 2044 71 68 36503353 0 0 0 36503353 0 3341609 33161744 7% 2321322 3548306734 2045 72 69 35483067 0 0 0 35483067 0 3657387 31825679 7% 2227798 3405347735 2046 73 70 34053477 0 0 0 34053477 0 3996981 30056496 7% 2103955 3216045136 2047 74 71 32160451 0 0 0 32160451 0 4362304 27798146 7% 1945870 2974401737 2048 75 72 29744017 0 0 0 29744017 0 4755438 24988579 7% 1749201 2673777938 2049 76 73 26737779 0 0 0 26737779 0 5178639 21559140 7% 1509140 2306828039 2050 77 74 23068280 0 0 0 23068280 0 5634359 17433921 7% 1220374 1865429640 2051 78 75 18654296 0 0 0 18654296 0 6125262 12529034 7% 877032 1340606641 2052 79 76 13406066 0 0 0 13406066 0 6654243 6751823 7% 472628 722445042 2053 80 77 7224450 0 0 0 7224450 0 7224450 0 7% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 00 0 0 0 0 0 0 0 0 0 0 0 0% 0 0
Retirement Planning : Cash Flow Statement Pre-Retirement Rate of Return on Investment :: Select Here Select Here :: Post-Retirement Rate of Return on Investment
Sr. Interest Rate%Required Fund Blanace each
year
Retirement NeedsRetirement Benefits & Corpus Value
Net_Need_Rs. Interest Amount Rs.
Closing Balance Rs.Year Opening
Balance Rs.
Sample Financial Plan Report in Excel 30/09/2012
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Retirement Need
Retirement Corpus
Interest on Balance
Required Balance Each Year
0
5000000
10000000
15000000
20000000
25000000
30000000
35000000
40000000
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
2282
631
2556
547
2863
333
3206
932
3591
764
4022
776
4505
509
5046
170
5651
711
6329
916
7089
506
7940
247
8893
076
9960
245
1115
5475
1249
4132
1399
3428
1567
2639
1755
3355
1965
9758
2201
8929
2466
1201
2762
0545
3391
9583
3488
0835
3573
1233
3645
0120
3701
4397
3739
8274
3757
2987
3750
6499
3716
3162
3650
3353
3548
3067
3405
3477
3216
0451
2974
4017
2673
7779
2306
8280
1865
4296
1340
6066
7224
450
Retirement Cash FlowRetirement Need Retirement Corpus Interest on Balance Required Balance Each Year
Sample Financial Plan Report in Excel 30/09/2012
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Dream-Farm House & Land
Dream-Create Wealth for
Family Dream-Domestic
Long TourDream-Foreign
TourTotal Amount
Rs.
Optional Optional 0 Optional Optional
3000000 5000000 0 40000 250000 8290000
Goal Cost / Expenses Will Grow @% wise 6% 0% 0% 5% 5%
OR @Amountwise year on year 0 0 0 0 0
18 38 0 18 23
2030 2050 0 2030 2035
1 1 0 16 21
2030 2050 0 2045 2055
18 21 0 18 21
2030 2033 0 2030 2033
This period is remain same in most of time,
except if there is early
retirement desired before Fin. Goal year
arrival.
To be required in Year / Or / Goal start beginning from Year
Requirement for Period / Total No. of Years
Requirement up to Year
Regular Investment to be required for No. of Years from today onwards
Regular Investment to be required up to year from today onwards
Your Selection for Financial Dream
Financial Goal Priority
Current Cost / Expenses -You wants to provide :
Inflation Effect
Years left to Financial Goal Arrival
Sample Financial Plan Report in Excel 30/09/2012
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0 0 0 0 00 0 0 0 0 00 0 0 0 0 0
Lumpsum 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0 Dream-Farm House & Land
Dream-Create Wealth for
Family Dream-Domestic
Long TourDream-Foreign
Tour Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 8% 0 0 02 2013 40 8% 0 0 0 0 0 0 0 0 03 2014 41 8% 0 0 0 0 0 0 0 0 04 2015 42 8% 0 0 0 0 0 0 0 0 0
Short Term Requirement (if any)
Pre Retirement Period
Required in Year / From YearRequired AmountInvestment to be required @%
8%
Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
Sample Financial Plan Report in Excel 30/09/2012
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0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0
Monthly 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0 Dream-Farm House & Land
Dream-Create Wealth for
Family Dream-Domestic
Long TourDream-Foreign
Tour Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 9% 0 0 0
2 2013 40 9% 0 0 0 0 0 0 0 0 0
3 2014 41 9% 0 0 0 0 0 0 0 0 0
4 2015 42 9% 0 0 0 0 0 0 0 0 0
5 2016 43 9% 0 0 0 0 0 0 0 0 0
6 2017 44 9% 0 0 0 0 0 0 0 0 0
7 2018 45 9% 0 0 0 0 0 0 0 0 0
8 2019 46 9% 0 0 0 0 0 0 0 0 0
2030 0 0 2030 0 0
8563017 0 0 207703 0 0 8770721
0 2050 0 2036 2035 0
0 5000000 0 651347 4595080 0 10246427
0 0 0 0 0 0 0
2030 2050 0 2030 2035 0
8563017 5000000 0 859051 4595080 0 19017148
0 0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 1113531 139969 0 57117 207075 0 1517693
Monthly 7755 818 0 398 1210 0 10180
Quarterly 23514 2496 0 1206 3693 0 30909
Half Yearly 47750 5116 0 2449 7569 0 62883
Yearly 98186 10701 0 5036 15831 0 129755
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
Required Amount
Required in Year / From Year
Required Amount
Pre Retirement
Post Retirement
Consolidated Requirement
Lumpsum Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
9%
15%
Long Term Requirement
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
Pre Retirement Period
Required in Year / From Year
Sample Financial Plan Report in Excel 30/09/2012
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0 1113531 139969 0 57117 207075 1517693
0 7755 818 0 398 1210 10180
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Dream-Farm House & Land
Dream-Create Wealth for
FamilyN.A. Dream-Domestic
Long TourDream-Foreign
Tour Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 12% 1517693 182123 16998162 2013 40 12% 1699816 0 0 0 0 0 0 203978 19037943 2014 41 12% 1903794 0 0 0 0 0 0 228455 21322494 2015 42 12% 2132249 0 0 0 0 0 0 255870 23881195 2016 43 12% 2388119 0 0 0 0 0 0 286574 26746936 2017 44 12% 2674693 0 0 0 0 0 0 320963 29956577 2018 45 12% 2995657 0 0 0 0 0 0 359479 33551358 2019 46 12% 3355135 0 0 0 0 0 0 402616 37577529 2020 47 12% 3757752 0 0 0 0 0 0 450930 4208682
10 2021 48 12% 4208682 0 0 0 0 0 0 505042 471372411 2022 49 12% 4713724 0 0 0 0 0 0 565647 527937012 2023 50 12% 5279370 0 0 0 0 0 0 633524 591289513 2024 51 12% 5912895 0 0 0 0 0 0 709547 662244214 2025 52 12% 6622442 0 0 0 0 0 0 794693 741713515 2026 53 12% 7417135 0 0 0 0 0 0 890056 830719216 2027 54 12% 8307192 0 0 0 0 0 0 996863 930405517 2028 55 12% 9304055 0 0 0 0 0 0 1116487 1042054118 2029 56 12% 10420541 0 0 0 0 0 0 1250465 1167100619 2030 57 12% 11671006 8563017 0 0 96265 0 8659282 361407 337313120 2031 58 12% 3373131 0 0 0 0 0 0 404776 377790621 2032 59 12% 3777906 0 0 0 0 0 0 453349 423125522 2033 60 12% 4231255 0 0 0 111439 0 111439 494378 461419523 2034 61 7% 4614195 0 0 0 0 0 0 322994 493718824 2035 62 7% 4937188 0 0 0 0 767881 767881 291852 446115925 2036 63 7% 4461159 0 0 0 129004 0 129004 303251 463540626 2037 64 7% 4635406 0 0 0 0 0 0 324478 495988427 2038 65 7% 4959884 0 0 0 0 0 0 347192 530707628 2039 66 7% 5307076 0 0 0 149338 0 149338 361042 551877929 2040 67 7% 5518779 0 0 0 0 980032 980032 317712 485645930 2041 68 7% 4856459 0 0 0 0 0 0 339952 519641131 2042 69 7% 5196411 0 0 0 172878 0 172878 351647 537518132 2043 70 7% 5375181 0 0 0 0 0 0 376263 575144433 2044 71 7% 5751444 0 0 0 0 0 0 402601 615404534 2045 72 7% 6154045 0 0 0 200128 1250797 1450925 329218 503233935 2046 73 7% 5032339 0 0 0 0 0 0 352264 538460236 2047 74 7% 5384602 0 0 0 0 0 0 376922 576152437 2048 75 7% 5761524 0 0 0 0 0 0 403307 616483138 2049 76 7% 6164831 0 0 0 0 0 0 431538 659636939 2050 77 7% 6596369 0 5000000 0 0 1596369 6596369 0 040 2051 78 7% 0 0 0 0 0 0 0 0 041 2052 79 7% 0 0 0 0 0 0 0 0 042 2053 80 0% 0 0 0 0 0 0 0 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 0
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 74
Dream-Farm House & Land
Dream-Create Wealth for
Family Dream-Domestic
Long TourDream-Foreign
Tour Total Amount
8563017 5000000 0 859051 4595080 19017148
0
Goal Funding through Sale of Assets0 0 0 0 0 0
Goal Funding through Future Loan0 0 0 0 0 0
Goal Funding through Financial Investments0 0 0 762786 2998710 3761496
Goal Shortfall8563017 5000000 0 96265 1596369 15255652
0% 0% 0% 89% 65% 20%
100% 100% 0% 11% 35% 80%Shortfall of Goal Amount (% wise ) : :
Calculating with your actual cash flow. :
Goal Status : Particulars
Total Amount of Future Goal : - To be required - (Amount Rs. ) :
Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow :
Goal Funding through Sale of Assets
Goal Funding through Future Loan
Goal Funding through Financial Investments
Shortfall of Goal Amount : :Calculating with your actual cash flow. :
Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow :
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Dream-Farm House &Land
Dream-Create Wealthfor Family
Dream-Domestic LongTour
Dream-Foreign Tour
Goal Gap Analysis
Goal Shortfall
Goal Funding through FinancialInvestments
Goal Funding through Future Loan
Goal Funding through Sale of Assets
Sample Financial Plan Report in Excel 30/09/2012
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0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Dream-Farm House & Land
Dream-Create Wealth for
Family Dream-Domestic
Long TourDream-Foreign
Tour 0 Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 8% 0 0 0
2 2013 40 8% 0 0 0 0 0 0 0 0 0 0
3 2014 41 8% 0 0 0 0 0 0 0 0 0 0
4 2015 42 8% 0 0 0 0 0 0 0 0 0 0
Short Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
8%Pre Retirement Period
Lumpsum Or Regular Cash amount required to be invest after calculating & analysing
future earning & Investment cash flow for shortfall (if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 76
0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
Lumpsum 0 0 0 0 0 0 0
Monthly 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0 Dream-Farm House & Land
Dream-Create Wealth for
Family Dream-Domestic
Long TourDream-Foreign
Tour 0 Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 9% 0 0 0 0
2 2013 40 9% 0 0 0 0 0 0 0 0 0 0
3 2014 41 9% 0 0 0 0 0 0 0 0 0 0
4 2015 42 9% 0 0 0 0 0 0 0 0 0 0
5 2016 43 9% 0 0 0 0 0 0 0 0 0 0
6 2017 44 9% 0 0 0 0 0 0 0 0 0 0
7 2018 45 9% 0 0 0 0 0 0 0 0 0 0
8 2019 46 9% 0 0 0 0 0 0 0 0 0 0
2030 0 0 2030 0
8563017 0 0 96265 0 8659282
0 2034 0 0 2034
0 5000000 0 0 1596369 6596369
0 0 0 0 0 0
2030 2034 0 2030 2034
8563017 5000000 0 96265 1596369 15255652
0 0 0 0 0 0
Pre Retirement 12% Post Retirement 7% Lumpsum 1113531 139969 0 12518 44689 1310707
Monthly 7755 818 0 87 261 8921
Quarterly 23514 2496 0 264 797 27072
Half Yearly 47750 5116 0 537 1633 55036
Yearly 98186 10701 0 1104 3416 113407
Required Amount
Long Term Requirement
Required in Year / From Year
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
Required Amount
Consolidated Requirement
Lumpsum Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
Required in Year / From Year
Investment to be required @%
Pre Retirement
Post Retirement
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Pre Retirement Period9%
15%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 77
0 1113531 139969 0 12518 44689 13107070 7755 818 0 87 261 8921
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Dream-Farm House & Land
Dream-Create Wealth for
Family Dream-Domestic
Long TourDream-Foreign
Tour Total Needs Interest on Balance Amt.
Closing Balance
1 2012 39 12% 1310707 157285 14679922 2013 40 12% 1467992 0 0 0 0 0 0 176159 16441513 2014 41 12% 1644151 0 0 0 0 0 0 197298 18414504 2015 42 12% 1841450 0 0 0 0 0 0 220974 20624245 2016 43 12% 2062424 0 0 0 0 0 0 247491 23099146 2017 44 12% 2309914 0 0 0 0 0 0 277190 25871047 2018 45 12% 2587104 0 0 0 0 0 0 310452 28975578 2019 46 12% 2897557 0 0 0 0 0 0 347707 32452639 2020 47 12% 3245263 0 0 0 0 0 0 389432 3634695
10 2021 48 12% 3634695 0 0 0 0 0 0 436163 407085811 2022 49 12% 4070858 0 0 0 0 0 0 488503 455936112 2023 50 12% 4559361 0 0 0 0 0 0 547123 510648513 2024 51 12% 5106485 0 0 0 0 0 0 612778 571926314 2025 52 12% 5719263 0 0 0 0 0 0 686312 640557515 2026 53 12% 6405575 0 0 0 0 0 0 768669 717424416 2027 54 12% 7174244 0 0 0 0 0 0 860909 803515317 2028 55 12% 8035153 0 0 0 0 0 0 964218 899937118 2029 56 12% 8999371 0 0 0 0 0 0 1079925 1007929619 2030 57 12% 10079296 8563017 0 0 96265 0 8659282 170402 159041520 2031 58 12% 1590415 0 0 0 0 0 0 190850 178126521 2032 59 12% 1781265 0 0 0 0 0 0 213752 199501722 2033 60 12% 1995017 0 0 0 0 0 0 239402 223441923 2034 61 7% 2234419 0 0 0 0 0 0 156409 239082824 2035 62 7% 2390828 0 0 0 0 0 0 167358 255818625 2036 63 7% 2558186 0 0 0 0 0 0 179073 273725926 2037 64 7% 2737259 0 0 0 0 0 0 191608 292886727 2038 65 7% 2928867 0 0 0 0 0 0 205021 313388828 2039 66 7% 3133888 0 0 0 0 0 0 219372 335326029 2040 67 7% 3353260 0 0 0 0 0 0 234728 358798830 2041 68 7% 3587988 0 0 0 0 0 0 251159 383914731 2042 69 7% 3839147 0 0 0 0 0 0 268740 410788732 2043 70 7% 4107887 0 0 0 0 0 0 287552 439543933 2044 71 7% 4395439 0 0 0 0 0 0 307681 470312034 2045 72 7% 4703120 0 0 0 0 0 0 329218 503233935 2046 73 7% 5032339 0 0 0 0 0 0 352264 538460236 2047 74 7% 5384602 0 0 0 0 0 0 376922 576152437 2048 75 7% 5761524 0 0 0 0 0 0 403307 616483138 2049 76 7% 6164831 0 0 0 0 0 0 431538 659636939 2050 77 7% 6596369 0 5000000 0 0 1596369 6596369 0 040 2051 78 7% 0 0 0 0 0 0 0 0 041 2052 79 7% 0 0 0 0 0 0 0 0 042 2053 80 0% 0 0 0 0 0 0 0 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 0
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly Lump sum Investment to be required for each Goal Total Lump sum amt. required
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 78
Child Future - Planning For-
Kevin
Child Future - Planning For-
Sandhya
Future Need Planning
Retirement Planning
Future Dream Planning
Total Amount Rs.
182050 168731 952813 0 0 1303594
0
Lumpsum 155624 144513 756374 0 0 1056511
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0Child Future - Planning For-
Kevin
Child Future - Planning For-
Sandhya
Future Need Planning
Retirement Planning
Future Dream Planning Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 8% 1056511 84521 1141032
2 2013 40 8% 1141032 55000 53000 0 0 0 108000 82643 1115674
3 2014 41 8% 1115674 60500 56180 0 0 0 116680 79920 1078914
4 2015 42 8% 1078914 66550 59551 952813 0 0 1078914 0 0
Consolidated Goal - Cash Flow
Required in Year / From Year
Required Amount
Investment to be required @%
Short Term Requirement (if any)
Pre Retirement Period8%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 79
679489 276143 201399 0 0 1157030
0
Lumpsum 420627 171624 125567 0 0 717817
Monthly 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0Child Future - Planning For-
Kevin
Child Future - Planning For-
Sandhya
Future Need Planning
Retirement Planning
Future Dream Planning Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 9% 717817 64604 782421
2 2013 40 9% 782421 0 0 0 0 0 0 70418 852839
3 2014 41 9% 852839 0 0 0 0 0 0 76755 929594
4 2015 42 9% 929594 0 0 0 0 0 0 83663 1013258
5 2016 43 9% 1013258 146410 63124 0 0 0 209534 72335 876059
6 2017 44 9% 876059 161051 66911 102103 0 0 330065 49139 595134
7 2018 45 9% 595134 177156 70926 99296 0 0 347378 22298 270053
8 2019 46 9% 270053 194872 75182 0 0 0 270053 0 0
9777143 11169724 6091390 0 8770721 35808978
0 0 0 81786786 10246427 92033213
0
9777143 11169724 6091390 81786786 19017148 127842191
0
Pre Retirement 12% Post Retirement 7% Lumpsum 2069700 1760718 2347729 3598023 1517693 11293862
Monthly 0
Quarterly 0
Half Yearly 0
Yearly 0
Required in Year / From Year
9%
15%
Long Term Requirement
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required Amount
Required in Year / From Year
Required Amount
Required in Year / From Year
Required Amount
Pre Retirement
Post Retirement
Consolidated Requirement
Lumpsum Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
Medium Term Requirement (if any)
Required in Year / From Year
Required Amount
Investment to be required @%
Pre Retirement Period
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 80
0 2069700 1760718 2347729 3598023 1517693 11293862
0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Child Future - Planning For-
Kevin
Child Future - Planning For-
Sandhya
Future Need Planning
Retirement Planning
Future Dream Planning Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 12% 11293862 1355263 126491262 2013 40 12% 12649126 0 0 0 0 0 0 1517895 141670213 2014 41 12% 14167021 0 0 0 0 0 0 1700042 158670634 2015 42 12% 15867063 0 0 0 0 0 0 1904048 177711115 2016 43 12% 17771111 0 0 0 0 0 0 2132533 199036446 2017 44 12% 19903644 0 0 0 0 0 0 2388437 222920827 2018 45 12% 22292082 0 0 0 0 0 0 2675050 249671318 2019 46 12% 24967131 0 0 0 0 0 0 2996056 279631879 2020 47 12% 27963187 214359 79692 5578468 0 0 5872520 2650880 24741548
10 2021 48 12% 24741548 235795 168948 92921 0 0 497664 2909266 2715315011 2022 49 12% 27153150 259374 179085 0 0 0 438459 3205763 2992045412 2023 50 12% 29920454 1426558 189830 0 0 0 1616388 3396488 3170055313 2024 51 12% 31700553 1569214 201220 0 0 0 1770434 3591614 3352173414 2025 52 12% 33521734 1726136 345227 0 0 0 2071363 3774045 3522441515 2026 53 12% 35224415 0 379750 0 0 0 379750 4181360 3902602516 2027 54 12% 39026025 0 417725 0 0 0 417725 4632996 4324129717 2028 55 12% 43241297 0 2297486 0 0 0 2297486 4913257 4585706718 2029 56 12% 45857067 3438027 2527235 420000 0 0 6385263 4736617 4420842119 2030 57 12% 44208421 0 2779959 0 0 8659282 11439241 3932302 3670148220 2031 58 12% 36701482 907680 0 0 0 0 907680 4295256 4008905921 2032 59 12% 40089059 0 1603568 0 0 0 1603568 4618259 4310375022 2033 60 12% 43103750 0 0 0 0 111439 111439 5159077 4815138923 2034 61 7% 48151389 0 0 0 11836649 0 11836649 2542032 3885677124 2035 62 7% 38856771 0 0 0 1320672 767881 2088553 2573775 3934199425 2036 63 7% 39341994 0 0 0 1487159 129004 1616163 2640808 4036663926 2037 64 7% 40366639 0 0 0 1665701 0 1665701 2709066 4141000427 2038 65 7% 41410004 0 0 0 1857225 0 1857225 2768695 4232147328 2039 66 7% 42321473 0 0 0 2062740 149338 2212078 2807658 4291705329 2040 67 7% 42917053 0 0 0 2283333 980032 3263365 2775758 4242944630 2041 68 7% 42429446 0 0 0 2520184 0 2520184 2793648 4270291031 2042 69 7% 42702910 0 0 0 2774571 172878 2947449 2782882 4253834332 2043 70 7% 42538343 0 0 0 3047879 0 3047879 2764333 4225479733 2044 71 7% 42254797 0 0 0 3341609 0 3341609 2723923 4163711134 2045 72 7% 41637111 0 0 0 3657387 1450925 5108312 2557016 3908581535 2046 73 7% 39085815 0 0 0 3996981 0 3996981 2456218 3754505336 2047 74 7% 37545053 0 0 0 4362304 0 4362304 2322792 3550554137 2048 75 7% 35505541 0 0 0 4755438 0 4755438 2152507 3290261038 2049 76 7% 32902610 0 0 0 5178639 0 5178639 1940678 2966464939 2050 77 7% 29664649 0 0 0 5634359 6596369 12230728 1220374 1865429640 2051 78 7% 18654296 0 0 0 6125262 0 6125262 877032 1340606641 2052 79 7% 13406066 0 0 0 6654243 0 6654243 472628 722445042 2053 80 0% 7224450 0 0 0 7224450 0 7224450 0 043 2054 81 0% 0 0 0 0 0 0 0 0 044 2055 82 0% 0 0 0 0 0 0 0 0 0
Lump sum Investment to be required for each Goal Total Lump sum amt. required
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 81
Child Future - Planning For-
Kevin
Child Future - Planning For-
Sandhya
Future Need Planning
Retirement Planning
Future Dream Planning Total Amount
10638682 11614598 7245601 81786786 19017148 130302815
0 0 0 0
Goal Funding through Sale of Assets363072 801784 2434883 0 3599739
Goal Funding through Future Loan1719014 0 830757 0 2549771
Goal Funding through Financial Investments8556597 5505620 3559961 43174365 3761496 64558039
Goal Shortfall 0 5307194 420000 38612420 15255652 59595266
100% 54% 94% 53% 20% 54%
0% 46% 6% 47% 80% 46%Shortfall of Goal Amount (% wise ) : :
Calculating with your actual cash flow. :
Goal Status : Particulars
Total Amount of Future Goal : - To be required - (Amount Rs. ) :
Possible Achievement of Future Goal (Amount Rs. ) : : with your Actual Cash Flow :
Shortfall of Goal Amount : :Calculating with your actual cash flow. :
Possible Achievement of Future Goal ( %wise ) : : with your Actual Cash Flow :
Goal Funding through Sale of Assets
Goal Funding through Future Loan
Goal Funding through Financial Investments
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Child Future - Planning For-Kevin
Child Future - Planning For-Sandhya
Future Need Planning Retirement Planning Future Dream Planning
Goal Gap Analysis
Goal Shortfall
Goal Funding through FinancialInvestments
Goal Funding through Future Loan
Goal Funding through Sale of Assets
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 82
0 0 0 0 0 00
Lumpsum 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Child Future - Planning For-
Kevin
Child Future - Planning For-
Sandhya
Future Need Planning
Retirement Planning
Future Dream Planning 0 Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 8% 0 0 02 2013 40 8% 0 0 0 0 0 0 0 0 03 2014 41 8% 0 0 0 0 0 0 0 0 04 2015 42 8% 0 0 0 0 0 0 0 0 0
0 0 0 0 0 00
Lumpsum 0 0 0 0 0 0Monthly 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
0Child Future - Planning For-
Kevin
Child Future - Planning For-
Sandhya
Future Need Planning
Retirement Planning
Future Dream Planning 0 Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 9% 0 0 0 02 2013 40 9% 0 0 0 0 0 0 0 0 03 2014 41 9% 0 0 0 0 0 0 0 0 04 2015 42 9% 0 0 0 0 0 0 0 0 05 2016 43 9% 0 0 0 0 0 0 0 0 06 2017 44 9% 0 0 0 0 0 0 0 0 07 2018 45 9% 0 0 0 0 0 0 0 0 08 2019 46 9% 0 0 0 0 0 0 0 0 0
0 5307194 420000 0 8659282 14386476
0 0 0 38612420 6596369 452087900
0 5307194 420000 38612420 15255652 595952660
Pre Retirement 12% Post Retirement 7% Lumpsum 0 729582 61171 1057555 1310707 3159016
Monthly 0Quarterly 0
Half Yearly 0Yearly 0
Regular Investment Amount is
suggested upto Goal Starting
Year OR Upto
Retirement Year -
Whichever is arising earlier.
Required AmountRequired in Year / From YearRequired Amount
Required in Year / From YearRequired Amount
Pre Retirement
Post Retirement
Consolidated Requirement
Lumpsum Investment to be required @%
15%
SIP OR Other Regular Investment recommendations are for need away 5 Year
from now and upto Goal Starts OR Retirement period starts,whichever arises earlier only.-
@Projected Return ->>
Required in Year / From Year
Long Term Requirement
Medium Term Requirement (if any)
Required in Year / From YearRequired AmountInvestment to be required @%
Pre Retirement Period9%15%
Required in Year / From YearRequired AmountInvestment to be required @%
8%Pre Retirement Period
Short Term Requirement (if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 83
0 0 729582 61171 1057555 1310707 31590160 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum Investment Require / Opening Balance
Child Future - Planning For-
Kevin
Child Future - Planning For-
Sandhya
Future Need Planning
Retirement Planning
Future Dream Planning Total Needs Interest on
Balance Amt.Closing Balance
1 2012 39 12% 3159016 379082 35380972 2013 40 12% 3538097 0 0 0 0 0 0 424572 39626693 2014 41 12% 3962669 0 0 0 0 0 0 475520 44381894 2015 42 12% 4438189 0 0 0 0 0 0 532583 49707725 2016 43 12% 4970772 0 0 0 0 0 0 596493 55672656 2017 44 12% 5567265 0 0 0 0 0 0 668072 62353367 2018 45 12% 6235336 0 0 0 0 0 0 748240 69835778 2019 46 12% 6983577 0 0 0 0 0 0 838029 78216069 2020 47 12% 7821606 0 0 0 0 0 0 938593 8760199
10 2021 48 12% 8760199 0 0 0 0 0 0 1051224 981142311 2022 49 12% 9811423 0 0 0 0 0 0 1177371 1098879312 2023 50 12% 10988793 0 0 0 0 0 0 1318655 1230744913 2024 51 12% 12307449 0 0 0 0 0 0 1476894 1378434214 2025 52 12% 13784342 0 0 0 0 0 0 1654121 1543846415 2026 53 12% 15438464 0 0 0 0 0 0 1852616 1729107916 2027 54 12% 17291079 0 0 0 0 0 0 2074930 1936600917 2028 55 12% 19366009 0 0 0 0 0 0 2323921 2168993018 2029 56 12% 21689930 0 2527235 420000 0 0 2947235 2249123 2099181819 2030 57 12% 20991818 0 2779959 0 0 8659282 11439241 1146309 1069888620 2031 58 12% 10698886 0 0 0 0 0 0 1283866 1198275321 2032 59 12% 11982753 0 0 0 0 0 0 1437930 1342068322 2033 60 12% 13420683 0 0 0 0 0 0 1610482 1503116523 2034 61 7% 15031165 0 0 0 0 0 0 1052182 1608334624 2035 62 7% 16083346 0 0 0 0 0 0 1125834 1720918125 2036 63 7% 17209181 0 0 0 0 0 0 1204643 1841382326 2037 64 7% 18413823 0 0 0 0 0 0 1288968 1970279127 2038 65 7% 19702791 0 0 0 0 0 0 1379195 2108198628 2039 66 7% 21081986 0 0 0 0 0 0 1475739 2255772529 2040 67 7% 22557725 0 0 0 0 0 0 1579041 2413676630 2041 68 7% 24136766 0 0 0 0 0 0 1689574 2582634031 2042 69 7% 25826340 0 0 0 0 0 0 1807844 2763418432 2043 70 7% 27634184 0 0 0 0 0 0 1934393 2956857733 2044 71 7% 29568577 0 0 0 0 0 0 2069800 3163837734 2045 72 7% 31638377 0 0 0 0 0 0 2214686 3385306335 2046 73 7% 33853063 0 0 0 0 0 0 2369714 3622277836 2047 74 7% 36222778 0 0 0 3040029 0 3040029 2322792 3550554137 2048 75 7% 35505541 0 0 0 4755438 0 4755438 2152507 3290261038 2049 76 7% 32902610 0 0 0 5178639 0 5178639 1940678 2966464939 2050 77 7% 29664649 0 0 0 5634359 6596369 12230728 1220374 1865429640 2051 78 7% 18654296 0 0 0 6125262 0 6125262 877032 1340606641 2052 79 7% 13406066 0 0 0 6654243 0 6654243 472628 722445042 2053 80 0% 7224450 0 0 0 7224450 0 7224450 0 043 2054 81 0% 0 0 0 0 0 0 0 0 0
Monthly Investment (up to Goal Start ) to be required for each Goal Total amt. required - Monthly Lump sum Investment to be required for each Goal Total Lump sum amt. required
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 84
Year Loan for Self Residence
Loan for Additional
Home
Loan for other Assets
Personal Loan / Credit
Cards
Total EMI Amount Rs.
Loan for Self Residence
Loan for Additional
Home
Loan for other Assets
Personal Loan / Credit
Cards
Loan from Friends / Relatives
Total Principal
Amt. Payable
Loan for Self Residence
Loan for Additional
Home
Loan for other Assets
Personal Loan / Credit
Cards
Loan from Friends / Relatives
Total Interest
Amt. Payable
2012 9000 0 6000 13500 28500 5663 0 5427 4003 0 15093 3337 0 573 9497 4500 179072013 36000 0 18000 54000 108000 23966 0 17202 20084 0 61252 12034 0 798 33916 18000 647482014 36000 0 0 54000 90000 26214 0 0 28635 0 54849 9786 0 0 25365 18000 531512015 36000 0 0 48000 84000 28673 0 0 34645 100000 163317 7327 0 0 13355 18000 386832016 36000 0 0 22500 58500 31363 0 0 19465 0 50828 4637 0 0 3035 0 76722017 36000 0 0 0 36000 34305 0 0 0 0 34305 1695 0 0 0 0 16952018 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02019 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02020 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02021 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02022 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02023 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02024 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02025 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02026 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02027 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02028 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02029 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02030 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02031 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02032 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02033 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02034 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02035 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02036 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Year wise - Various type of Loan Repayment ScheduleInterest Amount PayablePrincipal Amount PayableEMI - Amount Payable
020000400006000080000
100000120000140000160000180000
2012 2013 2014 2015 2016 2017
Total EMI Amount Rs. Total Principal Amt. Payable Total Interest Amt. Payable
0%10%20%30%40%50%60%70%80%90%
100%
2012 2013 2014 2015 2016 2017
Total Principal Amt. Payable Total Interest Amt. Payable
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 85
Before Recommendation 1210000 1275500 171500 243451 1878828 8.68% 8.97% 1352612 1105751
After Recommendation 171500 243451 1629594 1187030 956727
Proposed Changes-Cash Flow 0 0 -249234 -165583 -149024
Sr. No. Type of Scheme Scheme Name Holder Name Certificate No. Investment Date
Regular Inflow Outflow
Frequency / Mode
Regular Investment
Outflow Amount
Regular Investment Inflow from Investment
Maturity DateMaturity
Period (In Years)
Lumpsum Investment Amount Rs.
Total Invested
Amount Rs.
Total Amount Payable towards Future
Investment from Today
Total Amount Receivable
towards Interest from
Today
Maturity Value Rs.
Interest Rate (%)
Effective Rate of
Return (%)
Current Valuation of Investment
Estimated Surrender Value of
Investment Rs.
Liquidate? OR Continue?
Planner's Advice
1 Public Provident Fund & NPS 0 Amar Patel 11111111 15/12/2005 Monthly 1000 0 14/12/2020 15.00 50000 50000 98000 0 284820 8.00% 8.00% 78000 0
2 0 0 Sangita Patel 22222222 28/11/2001 Monthly 1000 0 27/11/2016 15.00 35000 35000 49000 0 120755 8.00% 8.00% 46000 0
3 Post Office Recurring Deposit Scheme 0 Amar Patel 0 06/12/2007 Monthly 1000 0 05/12/2012 5.00 0 58000 2000 0 73862 7.72% 7.95% 71231 64108
4 0 0 Maheshbhai Patel 0 10/07/2011 Monthly 500 0 09/07/2016 5.00 0 7500 22500 0 36931 7.72% 7.95% 9066 8159 Continue
5 Post Office Monthly Income Scheme 0 Amar Patel 0 06/12/2008 Monthly 0 667 05/12/2014 6.00 100000 100000 0 18000 110000 7.72% 8.00% 100000 90000 Continue
6 0 0 Sangita Patel 0 01/01/2012 Monthly 0 1708 31/12/2016 5.00 250000 250000 0 88833 250000 7.91% 8.20% 250000 225000 Continue
7 Senior Citizen Savings Scheme 0 Maheshbhai Patel 0 04/08/2011 Quarterly 0 2250 03/08/2016 5.00 100000 100000 0 36000 100000 8.71% 9.00% 100000 90000 Continue
8 0 0 Sujataben Patel 0 10/10/2010 Quarterly 0 1125 09/10/2015 5.00 50000 50000 0 14625 50000 8.71% 9.00% 50000 45000 Continue
9 Regular Income Bonds - NCD's 0 Amar Patel 0 01/12/2011 Quarterly 0 900 30/11/2016 5.00 40000 40000 0 15300 40000 9.00% 9.31% 40000 36000 Continue
10 0 0 Maheshbhai Patel 0 08/03/2009 Monthly 0 1375 07/03/2014 5.00 150000 150000 0 24750 150000 11.00% 11.57% 150000 135000 Continue
11 Regular Income - Company FD's 0 Amar Patel 1 05/12/2011 Quarterly 0 2703 04/12/2016 5.00 100000 100000 0 45943 100000 10.81% 11.26% 100000 90000 Continue
12 Post Office - Time Deposits 0 Amar Patel 0 05/12/2011 On Maturity 0 0 04/12/2016 5.00 25000 25000 0 0 37699 8.30% 8.56% 26746 24072 Liquidate
13 National Savings Certificates 0 Maheshbhai Patel 0 05/12/2011 On Maturity 0 0 04/12/2021 10.00 50000 50000 0 0 117171 8.70% 8.89% 53625 48263 Continue
14 0 0 Sangita Patel 0 01/10/2011 On Maturity 0 0 30/09/2017 6.00 30000 30000 0 0 48031 8.00% 8.16% 32448 29203 Continue
15 Kisan Vikas Patra 0 Sujataben Patel 0 05/12/2011 On Maturity 0 0 04/12/2019 8.58 35000 35000 0 0 70000 8.41% 8.41% 37402 33662 Liquidate
16 Cumulative - Growth - Bonds & NCD 0 Sujataben Patel 32423443 05/12/2011 On Maturity 0 0 04/12/2016 5.00 60000 60000 0 0 89391 8.00% 8.30% 64064 57657 Liquidate
17 Cumulative - Growth - Company FD's 0 Sandhya 3454354 05/12/2011 On Maturity 0 0 04/12/2016 5.00 35000 35000 0 0 52145 8.00% 8.30% 37371 33634 Liquidate
18 Bank Fixed Deposits > 1 Year 0 Karan 67567 05/12/2011 On Maturity 0 0 04/12/2016 5.00 100000 100000 0 0 148024 8.00% 8.16% 106660 95994 Continue
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 00/01/1900 0 0 0 0.00 0 0 0 0 0 0.00% 0.00% 0 0
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 86
Before Recommendation 380000 175000 25991 365566 252585 37500 975975 4.83% 613691 401952 314984
After Recommendation 214667 125000 15751 163835 0 673792 358433 349452 163778
Proposed Changes-Cash Flow -165333 -50000 -10240 -88750 -37500 -302183 -255258 -52500 -151206
Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Policy Start Date
RegularPremium Payment
Frequency Mode
Regular Insurance Premium Outflow Amount
Maturity DateMaturity
Period (In Years)
Regular Premium Payment Term (In Years)
Estimated Bonus
Rate Per Rs. 1000
Sum Assured
Policy Status
Attached Rider (if
any)
Sum Assured Amount
Rs.
Pension Plan
Value Rs.
Yearly Premium Outflow
Total Amount
Paid towards Premium Amt. Rs.
Total Amount Payable towards Future
Premium from
Today
Total Amount
Receivable towards Survival Benefit
from Today
Maturity Value Rs.
Effective Rate of Return
(%)
Current Valuation of Policy / Plan.
Paid UP Value of
Policy / Plan - Rs.
Surrender Value of Policy /
Plan - Rs.
Liquidate? OR Continue?
Make Policy Paid Up?
Planner's Recommendation
1Regular Premium - Traditional Life Insurance Plan
Life Insurance Corporation of India
Money Back Amar Patel 861050992 22/07/2003 Yearly 5690 21/07/2023 20 20 45 In Force 0 75000 0 5690 56900 56900 37500 89625 3.80% 71900 52500 24644 Liquidate Policy with Current Surrender Value
2 0Life Insurance Corporation of India
Money Back Sangita Patel 861058554 12/07/2005 Yearly 4550 11/07/2020 15 15 45 In Force 0 50000 0 4550 36400 31850 0 56000 4.89% 24400 14667 8275 Stop to Pay Premium & Make Policy Paid UP
3 0Life Insurance Corporation of India
Jivan Mitra Amar Patel 861048264 20/06/2002 Yearly 2077 19/06/2027 25 25 45 In Force 0 50000 0 2077 22847 29078 0 108500 5.28% 47597 46750 16559 Continue to Pay Premium up to Maturity
4 0 0 0 Maheshbhai Patel 861057412 11/07/1997 Yearly 2118 10/07/2022 25 25 45 In Force 0 50000 0 2118 33888 19062 0 108500 5.15% 69888 68000 34170 Continue to Pay Premium up to Maturity
5 0 0 Jivan Mitra Amar Patel 861072191 28/06/1999 Half Yearly 2553 27/06/2020 21 21 45 In Force 0 100000 0 5106 68931 38295 0 199000 5.32% 129681 125036 66356 Continue to Pay Premium up to Maturity
6 Regular Premium - Traditional Pension Plan
Life Insurance Corporation of India
ABC Amar Patel 8610509XX 10/06/2005 Yearly 6450 09/06/2025 20 20 45 In Force 0 0 125000 6450 51600 77400 0 243125 5.71% 96600 95000 38418 Continue to Pay Premium up to Maturity
7Single Premium - Traditional Life Insurance Plan
Life Insurance Corporation of India
www1 Amar Patel 8610xxxx 12/07/1997 Single 0 11/07/2017 20 0 45 N.A. 0 55000 0 0 50000 0 0 73975 4.80% 92125 0 53213 Liquidate Policy with Current Surrender Value
8 Single Premium - Traditional Pension Plan
Life Insurance Corporation of India
zzzz1 Sangita Patel 8610xxccc 12/12/1997 Single 0 11/12/2017 20 0 45 N.A. 0 0 50000 0 45000 0 0 97250 3.93% 81500 0 73350 Liquidate Policy with Current Surrender Value
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 87
Before Recommendation 260000 260000 20000 210000 90000 426381 10.00% 2.57% 169000 150000
After Recommendation 0 260000 10000 90000 304784 86000 79000
Proposed Changes-Cash Flow -260000 0 -10000 0 -121597 -83000 -71000
Sr. No. Type of Scheme Issued by Scheme Name Holder Name Policy No. Policy Start Date
RegularPremium Payment
Frequency Mode
Regular Insurance Premium Outflow Amount
Maturity DateMaturity
Period (In Years)
Regular Premium Payment Term (In Years)
Policy Status
Attached Rider (if
any)
Sum Assured
Amount Rs.
Pension Plan Value
Rs.
Yearly Premium Outflow
Total Amount Paid
towards Premium Amt. Rs.
Total Amount Payable towards Future
Premium from Today
Maturity Value Rs.
Projected Growth
Rate from today on
ULIP / ULPP
Effective Rate of
Return (%)
Current Valuation of
Policy / Plan.
Surrender Value of Policy
/ Plan - Rs.
Liquidate? OR Continue?
Make Policy Paid Up?
Planner's Recommendation
1 Regular Premium - Unit Linked Insurance Plan
Life Insurance Corporation of India qqqqqqq Amar Patel 11111111 25/06/2008 Yearly 10000 24/06/2013 20 5 In Force 0 200000 0 10000 50000 0 44000 10.00% -4.23% 30000 20000 Liquidate Policy with Current
Surrender Value
2 Regular Premium - Unit Linked Pension Plan
Life Insurance Corporation of India dfgggdfg Amar Patel 23342343 20/10/2006 Yearly 10000 19/10/2021 15 15 In Force 0 0 200000 10000 60000 90000 227187 10.00% 5.03% 33000 28000 Continue to Pay Premium up
to Maturity
3 Single Premium - Unit Linked Insurance Plan
Life Insurance Corporation of India sdfsdfsdfd 0 76868755 14/12/2005 Single 0 13/12/2015 10 0 N.A. 0 60000 0 50000 0 77597 10.00% 4.49% 53000 51000 Liquidate Policy with Current
Surrender Value
4 Single Premium - Unit Linked Pension Plan
Life Insurance Corporation of India sdfsdfsdfd Amar Patel 76868755 14/12/2005 Single 0 13/12/2015 10 0 N.A. 0 0 60000 0 50000 0 77597 10.00% 4.49% 53000 51000 Stay Invested & Continue
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
0 0 0 0 0 0 00/01/1900 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0.00% 0 0
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 88
30/09/2012 1217000 1590960 373960 12.70%
Date of Investment
OR Start Date
Present Investment Mode
IF SIP OR SWP,
Monthly Amt. of SIP
OR SWP
Total No. of Monthly
Transaction through
SIP OR SWP
Investment Amount Rs.
Price NAV Rs.
Unit Alloted
Dividend Recd. / SWP
Amount
Holder Name Folio No. Asset Class
Scheme Type
Scheme Primary Purpose
Fund House Scheme Name Fund Category Fund Sub-
Category No. of Units Current NAV Price
Current Fund Value
Rs.
Net Profit / Loss
CAGR (%)For >1 Year
Abs. Ret. For <1 Year
01/07/2003 Lumpsum 0 0 10000 12.00 833.33 0 Amar Patel 1 Equity Open Ended ELSS Birla Birla Sun Life Relief 96 - Growth Option Equity Diversified Tax Planning 833.333 10.11 8425 -1575 -1.83%
00/01/1900 SIP Running -For General Goal 5000 35 175000 12.00 14583.33 0 Sangita Patel 2 Equity Open Ended Growth HDFC HDFC MID-CAP OPPORTUNITIES FUND -
Growth Option Equity Diversified Mid & Small Cap 14583.333 16.425 239531 64531 20.15%
00/01/1900 SIP Running -For General Goal 7000 16 112000 218.00 513.76 0 Amar Patel 3 Equity Open Ended Growth HDFC HDFC Equity Fund - Growth Option Equity Diversified Multi Cap 513.761 261.375 134284 22284 25.23%
12/01/2009 Lumpsum 0 0 220000 48.60 4526.75 0 Sangita Patel 4 Equity Open Ended Growth Canara Canara Robeco Equity Diversified-Growth Option Equity Diversified Large & Mid Cap 4526.749 56.7400 256848 36848 4.25%
23/08/2003 Lumpsum 0 0 100000 35.00 2857.14 0 Maheshbhai Patel 5 Equity Open Ended Growth DSP DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth
Equity -Thematic & Others Infrastructure 2857.143 40.376 115360 15360 1.58%
18/04/2010 Lumpsum 0 0 300000 33.10 9063.44 0 Amar Patel 6 Equity Open Ended ELSS HDFC HDFC TaxSaver-Dividend Plan Equity Diversified Tax Planning 9063.444 49.822 451559 151559 18.13%
20/05/2010 Lumpsum 0 0 15000 33.10 453.17 0 Sangita Patel 7 Equity Open Ended ELSS HDFC HDFC TaxSaver-Dividend Plan Equity Diversified Tax Planning 453.172 49.822 22578 7578 18.86%
26/02/2009 Lumpsum 0 0 20000 181.45 110.22 0 Maheshbhai Patel 8 Equity Open Ended ELSS HDFC HDFC TaxSaver-Growth Plan Equity Diversified Tax Planning 110.223 219.242 24166 4166 5.40%
26/02/2009 Lumpsum 0 0 20000 11.24 1779.36 0 Sangita Patel 9 Equity Open Ended ELSS DSP DSP BlackRock Tax Saver Fund - Growth Equity Diversified Tax Planning 1779.359 16.148 28733 8733 10.61%
00/01/1900 SIP Running -For Retirement 3000 60 180000 112.00 1607.14 0 Amar Patel 10 Equity Open Ended ELSS ICICI ICICI Prudential Tax Plan-Growth Option Equity Diversified Tax Planning 1607.143 137.74 221368 41368 7.91%
26/02/2009 Lumpsum 0 0 25000 79.22 315.58 0 Sujataben Patel 11 Equity Open Ended Growth Reliance Reliance Banking Fund-Growth Plan-Growth Option Equity Sectoral Banking 315.577 99.2151 31310 6310 6.46%
26/02/2009 Lumpsum 0 0 10000 44.18 226.36 0 Amar Patel 12 Equity Open Ended Growth Reliance Reliance Pharma Fund-Growth Plan-Growth Equity Sectoral Pharma 226.357 59.1740 13394 3394 8.47%
26/02/2009 Lumpsum 0 0 10000 208.16 48.04 0 Amar Patel 13 Hybrid Open Ended Balanced Birla Birla Sun Life 95 Fund-Plan B(Growth) Balanced Equity-oriented 48.040 308.16 14804 4804 11.53%
26/02/2009 Lumpsum 0 0 10000 253.25 39.49 0 Amar Patel 14 Debt Open Ended Liquid Birla Birla Sun Life Cash Plus-Retail (Growth) Debt -Liquid Liquid 39.487 289.3031 11424 1424 3.77%
26/02/2009 Lumpsum 0 0 10000 11.15 897.00 0 Amar Patel 15 Hybrid Open Ended Income Birla Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)
Debt Oriented -MIP & Asset Allo.
Debt-oriented Aggressive 896.998 19.1483 17176 7176 16.24%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
00/01/1900 0.00 0 0 0 0.00 0.00 0 0.00 0 0.00 0.000 0 0 0 0.00%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 89
OR
Price Data on : 16-Jul-12 Price Data on : Cash=> 19344
Sr. No.(Optional)
Investment Date
NSE Symbol NSE Series BSE Stock
Name Group Type Stock NameQuantity /
No. of Stocks
Purchase Cost /
Average Cost Rs.
Total Investment Value Rs.
Current Price of
Stock (Rs.)
Total Market Value of
Stock - (Rs.)
Profit / Loss
Amount -Rs.
Abs. Return OR CAGR %
Sale Qty. ( if any) Amount Rs.
1 00/01/1900 BAJAJ-AUTO EQ 0 0 0 Bajaj Auto 58 1156 67048 1488.00 86304 19256 28.72% 13 19344
2 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
3 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
4 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
5 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
6 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
7 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
8 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
9 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
10 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
11 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
12 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
13 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
14 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
15 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
16 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
17 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
18 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
19 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
20 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
21 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
22 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
23 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
24 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
25 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
26 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
27 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
28 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
29 00/01/1900 0 0 0 0 0 0 0 0 0 0.00 0 0 0.00% 0
Planner's AdviceTotal Value << Stock Portfolio
Select Stock - NSE Select Stock - BSEPlan Date :
N.A.30/09/201286304
Total Value >> Stock Portfolio
67048
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 90
Allocated : 106832Actual : 106832
Sr. No. Assets Name
Outstanding Loan Balance
Rs.
O / S. -Total Amount to be
paid
Outstanding Period in Months
Existing Interest Rate
EMI Amount Rs.
O / S. -Interest Amt. to be
paid
Extra Payment as
of Today
Put your Extra
Payment -1
Extra Payment in Future Date
Put your Extra
Payment -2
Extra Payment in Future Date
Put your Extra
Payment -31 Residential Building / Flat 150183 189000 63 9.00% 3000 38817 68400 61560 615602 Agriculture Land 0 0 0 0.00% 0 0 83400 82656 826563 Shop / Office Premises 0 0 0 0.00% 0 0 104600 103400 1034004 Furniture / Fixtures / Paintings 0 0 0 0.00% 0 0 114600 103140 1031405 Home Contents / Appliances 0 0 0 0.00% 0 0 52400 52400 524006 Home Contents / Appliances 0 0 0 0.00% 0 0 62000 57700 577007 Four Wheelers 0 0 0 0.00% 0 0 485400 460856 4608568 Four Wheelers 0 0 0 0.00% 0 09 Two Wheelers 22629 24000 12 11.00% 2000 1371
10 Two Wheelers 0 0 0 0.00% 0 011 Two Wheelers 0 0 0 0.00% 0 012 Additional Residence / Flat 0 0 0 0.00% 0 013 Commercial Land 0 0 0 0.00% 0 014 Agriculture Land 0 0 0 0.00% 0 015 Holiday Home / Farm House 0 0 0 0.00% 0 016 Shop / Office Premises 0 0 0 0.00% 0 017 Any Others 0 0 0 0.00% 0 018 Credit Card Outstanding's 63167 120000 48 36.00% 2500 56833 10/2012 6316719 Credit Card Outstanding's 43665 72000 36 36.00% 2000 28335 10/2012 4366520 Credit Card Outstanding's 0 0 0 0.00% 0 021 Personal Loan 0 0 0 0.00% 0 022 Personal Loan 0 0 0 0.00% 0 023 Loan from Friends-1 100000 18.00%24 0 0 0.00%
Existing Proposed
Sr. No. Assets Name
Outstanding Period in Months
Revised Int. rate today onwards
Revised EMI Amount Rs.
Outstanding Period in Months
Revised Interest rate
today onwards
Revised EMI Amount Rs.
Proposed - O/ S. Period
in Months
Proposed -Additional Payment
O/s. Loan after
Additional Payment
Exisitng -Total Interest Payable
Proposed -Total Interest
PayableYear Existing Proposed
1 Residential Building / Flat 63 9.00% 3000 63 0 150183 38817 38817 0 2012 33000 194992 Agriculture Land 0 0.00% 0 0 0 0 0 0 0 2013 126000 720003 Shop / Office Premises 0 0.00% 0 0 0 0 0 0 0 2014 108000 540004 Furniture / Fixtures / Paintings 0 0.00% 0 0 0 0 0 0 0 2015 202000 1540005 Home Contents / Appliances 0 0.00% 0 0 0 0 0 0 0 2016 58500 360006 Home Contents / Appliances 0 0.00% 0 0 0 0 0 0 0 2017 36000 360007 Four Wheelers 0 0.00% 0 0 0 0 0 0 0 2018 0 08 Four Wheelers 0 0.00% 0 0 0 0 0 0 0 2019 0 09 Two Wheelers 12 11.00% 2000 12 0 22629 1371 1371 0 2020 0 0
10 Two Wheelers 0 0.00% 0 0 0 0 0 0 0 2021 0 011 Two Wheelers 0 0.00% 0 0 0 0 0 0 0 2022 0 012 Additional Residence / Flat 0 0.00% 0 0 0 0 0 0 0 2023 0 013 Commercial Land 0 0.00% 0 0 0 0 0 0 0 2024 0 014 Agriculture Land 0 0.00% 0 0 0 0 0 0 0 2025 0 015 Holiday Home / Farm House 0 0.00% 0 0 0 0 0 0 0 2026 0 016 Shop / Office Premises 0 0.00% 0 0 0 0 0 0 0 2027 0 017 Any Others 0 0.00% 0 0 0 0 0 0 0 2028 0 018 Credit Card Outstanding's 48 36.00% 2500 0 63167 0 56833 0 56833 2029 0 019 Credit Card Outstanding's 36 36.00% 2000 2 43665 0 28335 0 28336 2030 0 020 Credit Card Outstanding's 0 0.00% 0 0 0 0 0 0 0 2031 0 021 Personal Loan 0 0.00% 0 0 0 0 0 0 0 2032 0 022 Personal Loan 0 0.00% 0 0 0 0 0 0 0 2033 0 023 Loan from Friends-1 10000024 0 0
Recommendation on Regular EMI Payment( Subject to Surplus Cash Flow in Future )
Benefit / Loss -
Interest Amount
Wants to changing loan as per following
Total Yearly Payment of EMINet Effect after Proposed Extra
Payment ( As above) & Proposed Regular EMI Payment
Effective data after recommendation on Regular Payment
Personal ExpensesHousing ExpensesFood ExpensesLiving ExpensesHealth ExpensesEntertainment Expenses
Total Expenses :
Existing Loan Portfolio Details Additional Lumpsum Payment towards Loan Expenses as
per Current Lifestyle
As Mentioned,
You can reduce exp. upto amt.
Suggested Amount by
Planner
Expenses Particulars
Additional Lumpsum Payment in future date (Subject to Surplus Available)
Stratagies & Recommendation through Restructuring of Existing Loan & Expenses
-
50
100
150
200
250
201
3 2
014
201
5 2
016
201
7 2
018
201
9 2
020
202
1 2
022
202
3 2
024
202
5 2
026
202
7 2
028
202
9 2
030
203
1 2
032
203
3 2
034
x 10
000
Current Proposed Savings
5936
7
6008
5
5494
7
3046
5
9151
1051
8
1208
2
9307
1131
0
1355
9
1038
5
1318
8
1630
1
1975
1
2356
3
2776
7
3239
6
3748
4
4306
9
4919
1
5589
5
0
10000
20000
30000
40000
50000
60000
70000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Available Net Yearly Balance after Proposed Changes in Loan Repayment & Regular Investments ( if any)
126000
108000
270790
127290
104790
68790
68790
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
0
0
0
72000
54000
222790
104790
104790
68790
68790
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
69747
0
0
0
0 100000 200000 300000
2013201420152016201720182019202020212022202320242025202620272028202920302031203220332034203520362037
Existing Loan Payment Proposed Loan Payment
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 91
Liquidate Amt291797 149024250000 151206541797 541797 71000
Available Balance : Existing 360960225668 40% 216719 19344 751534120000 30% 162539 Existing Liquidate Amt
0 30% 162539 From Physical Gold / Silver 450000
345668 100% 541797 From Properties 1000000
196129 From Retirement Fund 315000
From O/s. Receivables / Loan 100000
From O/s. Receivables / Loan 0 0555405
106832 106832448573
Balance Allocated towards Investment A/c. - Rs. : 4485730
LT Direct Equity 86304 66960 ST Cash A/C. + SB A/c. Balance 225668 225668 -8949
ML Large & Mid Cap 256848 210000 ST Bank Fixed Deposit : < 1 Year 120000 120000 42539
LT Mid & Small Cap 239531 250000 ST Liquid 11424 0 162539
0 - to - 3 8% ML Multi Cap 134284 180000 ST FMP 0 0
4 - to - 7 9% ML Tax Planning 756828 500000 ST Gilt Medium & Long Term 0 0
ML Large Cap 0 0 100000 ST Gilt Short Term 0 0
LT Banking 31310 0 ST Income 0 0
LT FMCG 0 0 ST Short Term 0 0
Age : 60 LT Pharma 13394 0 ST Ultra Short Term 0 0
Year : 2033 LT Technology 0 0 SM Debt-oriented Aggressive 17176 0
Age : 80 LT Equity: Others 0 0 SM Debt-oriented Conservative 0 0 148573
Year : 2053 LT Infrastructure 115360 90000 ST Arbitrage 0 0
LT International 0 0 SM Asset Allocation 0 0
ML Equity-oriented 14804 0 200000 SM Hybrid: Others 0 0
LT Public Provident Fund 124000 124000 LT Reg. Prem.-ULIP 30000 0
MT Post Office Rec.Deposit 80297 80297 LT Reg. Prem.-ULPP 108000 33000
291797 MT Post Office MIS 350000 350000 LT Single Prem.-ULIP 53000 0
250000 MT Senior Citizen Savings Scheme 150000 150000 LT Single Prem.-ULPP 53000 53000
374268 SM Post Office - Time Deposits 26746 0 LT Reg. Prem. -Tradi. Life Ins. 343466 261833
ML National Savings Certificates 86073 86073 LT Reg. Prem. -TradI. Pension Plan 96600 96600
1162765 19% 1162765 LT Kisan Vikas Patra 37402 0 LT Single Prem.-Tradi. Life Ins. 92125 0
LT Single Prem.-Tradi. Pension Plan 81500 0
SM Income Bond's & NCD 190000 190000
SM Income -Co. FD's 100000 100000 LT Gold 0 0
SM Growth -Bond's & NCD 64064 0 LT Gold /Silver 450000 450000
SM Growth -Co. FD's 37371 0
SM Bank FDR > 1 Year 106660 106660 LT Real Estate 1000000 1000000
LT Retirement Fund 315000 315000
Cash Reconciliation, Asset Allocation & Portfolio Rebalancing
Ris
k A
na
lysi
s
Ideal Asset Allocation - As per your Risk Profile - (Select Below)
Aggregate Balanced - (Medium Risk)
Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor
Your risk analysis from above questionnaireResult of Risk Analysis
Risk Capacity HighRisk Behaviour Balanced - (Medium Risk)
Liquid
Available Balance Rs.
Proposed Allocation
Financial ConcernsInflation Extremely ConcernTax Relief/advantage Slightly ConcernSafety/ Security Slightly ConcernLiquidity Not Concern
Life
Insu
ranc
eG
old
Cash
De
bt M
utua
l Fun
d
Post
Offi
ce S
chem
eBo
nds &
FDR
-196129Cash -From Liquidation of Investments
From Unit Linked Life Ins./ Pension Plan From Mutual Fund Portfolio From Stock Market Portfolio
Net Cash Balance Amount Rs. : ( It should be = 0)
From Traditional Life Ins./ Pension Plan
Add:
Less: For Loan - Additional Repayment Total Available Cash to utilise / OR / Re-Invest :
From Fixed Return Scheme PortfolioFor Current Year NeedTotal required Amt. Rs.
Required - Cash & Equivalent
Less:Cash A/C. + SB A/c. Balance
Cash reqd. from Existing Portfolio
Balanced ( Medium Risk )
For Allocation of Gold :For Allocation of Properties
Minimum Portfolio Size of Rs. :
10000000
Scheme ParticularsExisting
PortfolioAfter
Changes(-)After Changes(-
)Proposed Addition
Existing Portfolio
12%
Retirement :
Life Expectacy :
Post Retirement Rate of Return
(%)
Post Tax Rate of Return (%)
7%
Period ( No. of Years )
upto Retirement.:
Short Term NeedMedium Term Need
8 - Year onwardsLong Term Need
22
C/ F Balance from Cash & Equivalent
3919406
Total Value of Existing Investment as of today : Rs. 5998235
Future Need - Period breakup with required Rate of Return
For Emergency FundFor Current Year Need
Investment Allocation to be required as of today
15% 916065
Post Tax - Return Select
8 to 22 Years @12% & 23 years onwards - Post Retirement @7%
Next 3 Years @8%
4 to 7 Years @9%
Actual applicable to your Need as per following
391940665%
For Short Term
For Medium Term
For Long Term
For Emergency Fund
Bank Fixed Deposit : < 1 Year
Weightage / Allocation
Scheme ParticularsExisting
PortfolioAfter Changes(-
)Proposed Addition
Scheme ParticularsExisting
PortfolioAfter
Changes(-)Proposed Addition
Equi
ty M
utua
l Fun
d
Generating Income Not ConcernEase of Management Extremely Concern
Investment PrioritiesPreserve Capital Some ExtentRegular Income Not PriorityTimely Goal Achievement Very ImportantOptimum Return Fairly ImportantGrowth Over Time Very ImportantMaximum Growth Some Extent
Scheme ParticularsProposed Addition
For - Pre - Retirement Period : Period (Years) :
Less:Balance Amount Available to Investment - Rs.:
Cash, 6%
Debt, 38%
Equity, 32%
Gold, 8%
Properties, 17%
Cash, 10%
Debt, 36%
Equity, 29%
Gold, 8%
Properties, 18%
0% 10% 20% 30% 40% 50%
Existing V/s. Proposed Portfolio
Existing Allocation Proposed Allocation
Cash , 13%
Debt, 34%
Equity, 46%
Gold, 7%
Properties, 0%
Cash , 6%
Debt, 38%
Equity, 32%
Gold, 8%
Properties, 17%
0% 10% 20% 30% 40% 50%Allocation - As per Risk Profie V/s. Existing Portfolio
As Risk Profile -Ideal Existing
1%
97%
0% 2%9%
72%
0%19%
0%
50%
100%
Debt Equity Gold Hybrid
Mutual Fund Allocation
ExistingAllocation
ProposedAllocation
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 92
4% 4%
28%
2%
7%
15% 15%
8%
18%
6%4%
5%
32%
1%
5%
14%
8% 8%
18%
6%
0%
5%
10%
15%
20%
25%
30%
35%Cash Account Bank FDR Mutual Funds Stock Market
Bonds / NCD's& Co. FD's
Post OfficeScheme Life Insurance
Physical Gold /Funds / ETF
PropertiesInvestment
RetirementFund
Existing Allocation Proposed Allocation
0% 0% 1% 0%
87%
0% 3% 7%0% 0% 1% 1% 0%0% 0%
9%0%
62%
5%0%
5%0% 0%
11%0%
8%
0%10%20%30%40%50%60%70%80%90%
100%Debt -FMP
Debt Govt.Sec. Debt -Liquid
Debt -ShortTerm &Income
EquityDiversified
EquityDiversified/Index Fund
EquitySectoral
Equity -Thematic &
OthersGold Funds
& ETF
AssetAllocation &
Others Balanced
DebtOriented -
MIP & AssetAllo.
DebtOriented -MIP & Cap.
Prot.
MF AllocationExisting Allocation Proposed Allocation
6%
0%
26%
1%
23%
10%
4%
8%
17%
5%
10%
3%
26%
1%
21%
6%
2%
8%
18%
6%
0% 5% 10% 15% 20% 25% 30%
Cash - SB A/c./ ST FDR /Liquid
Debt -Mutual Fund
Equity - Mutual Fund
Equity - Stock Market
Debt - FD/Bonds/NCD/Post
Debt - Life Insurance
Equity - Life Insurance
Gold - Funds /ETF / Physical
Properties Investment
Retirement Fund
Existing Allocation Proposed Allocation
6%9% 10%
21%
55%
10% 10% 10%
22%
48%
0%
10%
20%
30%
40%
50%
60%
Short Term Short /Medium Term
Medium Term Medium /Long Term
Long Term
Existing Proposed
6%
9%
10%
2%
18%
0%
19%
12%
8%
17%
9%
9%
10%
3%
14%
1%
22%
8%
8%
17%
0% 5% 10% 15% 20% 25%
Short Term
Short / Medium Term
Medium Term
Medium / Long Term
Long Term
Short / Medium Term
Medium / Long Term
Long Term
Long Term
Long Term
Cash
Deb
tD
ebt
Deb
tD
ebt
Equi
tyEq
uity
Equi
tyG
old
Prop
ertie
s
Existing Proposed
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 93
Plan Date : 30/09/2012
Public Provident Fund 0
Sr. No. Select Postal Scheme - Term / Rate
Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Regular Investment Frequency
Suggested Lumpsum Investment
Planned - Regular
InvestmentMaturity Date Maturity Value
1 00/01/1900 Yearly 0% 02 00/01/1900 Yearly 0% 03 00/01/1900 Yearly 0% 04 00/01/1900 Yearly 0% 05 00/01/1900 Yearly 0% 0
Post Office Recurring Deposit Scheme
Sr. No. Select Postal Scheme - Term / Rate
Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Regular Investment Frequency
Regular Investment Amount Rs.
Maturity Date Maturity Value
1 00/01/1900 0.00% Monthly 02 00/01/1900 0.00% 0
Post Office Monthly Income Scheme 0
Sr. No. Select Postal Scheme - Term / Rate
Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Regular Income from Investment
Maturity Date Maturity Value
1 00/01/1900 0.00% 0 02 00/01/1900 0.00% 0 03 00/01/1900 0.00% 0 04 00/01/1900 0.00% 0 0
Senior Citizen Savings Scheme 0
Sr. No. Select Postal Scheme - Term / Rate
Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Regular Income from Investment
Maturity Date Maturity Value
1 00/01/1900 0.00% 0 02 00/01/1900 0.00% 0 0
Advice to New Addition of - Fixed Return Schemes
Suggested : >>
Suggested : >>
Suggested : >>
5936
7
6008
5
5494
7
3046
5
9151
1051
8
1208
2
9307
1131
0
1355
9
1038
5
1318
8
1630
1
1975
1
2356
3
2776
7
3239
6
3748
4
4306
9
4919
1
5589
5
010000200003000040000500006000070000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Available Net Yearly Balance after Proposed Changes in Loan Repayment & Regular Investments ( if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 94
Regular Income Bonds - NCD's 0
Sr. No. Issued by Company / Financial Institution Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Regular Income from Investment
Maturity Date Maturity Value
1 00/01/1900 0.00% 0 0 02 00/01/1900 0.00% 0 3 00/01/1900 0.00% 0 4 00/01/1900 0.00% 0 5 00/01/1900 0.00% 0
Regular Income - Company FD's 0
Sr. No. Issued by Company / Financial Institution Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Regular Income from Investment
Maturity Date Maturity Value
1 00/01/1900 0.00% 0 0 02 00/01/1900 0.00% 0 0 03 00/01/1900 0.00% 0 0 04 00/01/1900 0.00% 0 0 05 00/01/1900 0.00% 0 0 0
Post Office - Time Deposits 0
Sr. No. Select Postal Scheme - Term / Rate
Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Maturity Date Maturity Value
1 00/01/1900 0.00% 02 00/01/1900 0.00% 0
National Savings Certificates 0
Sr. No. Select Postal Scheme - Term / Rate
Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Maturity Date Maturity Value
1 00/01/1900 0.00% 02 00/01/1900 0.00% 03 00/01/1900 0.00% 04 00/01/1900 0.00% 05 00/01/1900 0.00% 0
Suggested : >>
Suggested : >>
Suggested : >>
Suggested : >>
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 95
Cumulative - Growth - Bonds & NCD 0
Sr. No. Issued by Company / Financial Institution Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Maturity Date Maturity Value
1 00/01/1900 0.00% 02 00/01/1900 0.00% 03 00/01/1900 0.00% 04 00/01/1900 0.00% 05 00/01/1900 0.00% 0
Cumulative - Growth - Company FD's 0
Sr. No. Issued by Company / Financial Institution Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Maturity Date Maturity Value
1 00/01/1900 0.00% 02 00/01/1900 0.00% 03 00/01/1900 0.00% 04 00/01/1900 0.00% 05 00/01/1900 0.00% 0
Bank Fixed Deposits > 1 Year 0
Sr. No. Issued by Bank Investment Date Holder Name Period
(Years) Rate (%) Compounding Mode
Effective Rate of Return
Interest Receivable Frequency
Lump sum Investment Value Rs.
Maturity Date Maturity Value
1 00/01/1900 0.00% 02 00/01/1900 0.00% 03 00/01/1900 0.00% 04 00/01/1900 0.00% 05 00/01/1900 0.00% 06 00/01/1900 0.00% 07 00/01/1900 0.00% 08 00/01/1900 0.00% 09 00/01/1900 0.00% 0
10 00/01/1900 0.00% 0
Suggested : >>
Suggested : >>
Suggested : >>
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 96
Plan Date : 30/09/2012
0
SR. Name of Life Ins. Co. Scheme / PlanPolicy Holder /
Name of Person Insured
Plan No. ( if any) -For LIC
Policy
Maturity Term ( In Years)
Premium Paying Term
(In Years)Start Date Sum Assured Premium
Amount Rs.Premium
Payment ModeAttached Rider
(If any)
Estimated Bonus Rate
Per 1000 Sum Assured
Maturity Amount IRR % Year Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredTotal
00/01/1900 0 0.00%
00/01/1900 0 0.00%
00/01/1900 0 0.00%
00/01/1900 0 0.00%
00/01/1900 0 0.00%
0
SR. Name of Life Ins. Co. PlanPolicy Holder /
Name of Person Insured
Plan No. ( if any)
Maturity Term ( In Years)
Premium Paying Term
(In Years)Start Date Plan / Scheme
ValuePremium
Amount Rs.Premium
Payment Mode
Estimated Bonus Rate
Per 1000 Sum Assured
Maturity Amount IRR %
00/01/1900 0 0.00%
00/01/1900 0 0.00%
0
SR. Name of Life Ins. Co. PlanPolicy Holder /
Name of Person Insured
Start Date Maturity Term ( In Years)
Premium Amount Rs. Sum Assured
Estimated Bonus Rate
Per 1000 Sum Assured
Maturity Amount IRR % Year Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredYear Sr.
% of Sum
AssuredTotal
00/01/1900 0 0.00%00/01/1900 0 0.00%
0
SR. Name of Life Ins. Co. PlanPolicy Holder /
Name of Person Insured
Start Date Maturity Term ( In Years)
Premium Amount Rs.
Pension Plan Value
Estimated Bonus Rate
Per 1000 Sum Assured
Maturity Amount IRR %
00/01/1900 0 0.00%00/01/1900 0 0.00%
Suggested : >>
Suggested : >>
Suggested : >>
Suggested : >>
Regular Premium - Traditional Pension Plan
Regular Premium - Traditional Life Insurance Plan
Single Premium - Traditional Life Insurance Plan
Single Premium - Traditional Pension Plan
6th Installment 7th Installment
Survival Benefit @% of Sum Assured - in Year (if any)
1st Installment 2nd Installment 3rd Installment 4th Installment 5th Installment
Survival Benefit @% of Sum Assured - in Year (if any)
1st Installment 2nd Installment 3rd Installment 4th Installment 5th Installment 6th Installment 7th Installment
Survival Benefit Data
Advice to New Addition of - Traditional - (With Profit) - Life Insurance & Pension Plan
5936
7
6008
5
5494
7
3046
5
9151
1051
8
1208
2
9307
1131
0
1355
9
1038
5
1318
8
1630
1
1975
1
2356
3
2776
7
3239
6
3748
4
4306
9
4919
1
5589
5
010000200003000040000500006000070000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Available Net Yearly Balance after Proposed Changes in Loan Repayment & Regular Investments ( if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 97
Plan Date : 30/09/2012
accordingly
SR. Name of Life Ins. Co. Scheme / PlanPolicy Holder /
Name of Person Insured
Fund Allocation
Maturity Term ( In Years)
Suggested Premium
Paying TermStart Date Sum Assured Premium
Amount Rs.Premium
Payment ModeAttached Rider
(If any)
Projected Return -
@%
Maturity Amount IRR %
00/01/1900 0
00/01/1900 0
00/01/1900 0
00/01/1900 0
00/01/1900 0
SR. Name of Life Ins. Co. PlanPolicy Holder /
Name of Person Insured
Fund Allocation
Maturity Term ( In Years)
Suggested Premium
Paying TermStart Date Plan / Scheme
ValuePremium
Amount Rs.Premium
Payment Mode
Projected Return -
@%
Maturity Amount IRR %
00/01/1900 0
00/01/1900 0
0
SR. Name of Life Ins. Co. PlanPolicy Holder /
Name of Person Insured
Start Date Maturity Term ( In Years)
Premium Amount Rs. Sum Assured
Projected Return -
@%
Fund Allocation
Maturity Amount IRR %
00/01/1900 000/01/1900 0
0
SR. Name of Life Ins. Co. PlanPolicy Holder /
Name of Person Insured
Start Date Maturity Term ( In Years)
Premium Amount Rs.
Pension Plan Value
Projected Return -
@%
Fund Allocation
Maturity Amount IRR %
00/01/1900 000/01/1900 0
Suggested : >>
Suggested : >>
Suggested : >>
Regular Premium - Unit Linked Life Insurance Plan Suggested : >>
Single Premium - Unit Linked Life Insurance Plan
Advice to New Addition of - Unit Linked - Life Insurance & Pension Plan
Regular Premium - Unit Linked Pension Plan
Single Premium - Unit Linked Pension Plan
5936
7
6008
5
5494
7
3046
5
9151
1051
8
1208
2
9307
1131
0
1355
9
1038
5
1318
8
1630
1
1975
1
2356
3
2776
7
3239
6
3748
4
4306
9
4919
1
5589
5
010000200003000040000500006000070000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Available Net Yearly Balance after Proposed Changes in Loan Repayment & Regular Investments ( if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 98
Sr. No. Year Amar Patel Sangita Patel
Self Employed / Personal Income
Spouse Income
Agriculture Income etc.
House Rent Income
Other Income
Other Income
Other Income
Interest on Loan /
Principal - from
Friends/ Relatives
Personal Expenses
Housing Expenses
Food Expenses
Living Expenses
Health Expenses
Entertainment Expenses
Total Expenses
0 2012 39 36 206886 60000 50000 0 0 0 0 3750 22800 27800 34867 38200 17467 20667 1618001 2013 40 37 623026 197773 165000 0 0 0 0 15000 72504 88404 112968 122622 57640 68200 5223382 2014 41 38 622490 215513 181500 0 0 0 0 15000 76854 93708 122005 131206 63404 75020 5621973 2015 42 39 623562 235038 199650 0 0 0 0 15000 81465 99331 131766 140390 69744 82522 6052184 2016 43 40 623489 256297 219615 0 0 0 0 15000 86353 105291 142307 150217 76719 90774 6516615 2017 44 41 625755 280818 241577 0 0 0 0 15000 91535 111608 153692 160732 84391 99852 7018096 2018 45 42 625405 307324 265734 0 0 0 0 15000 97027 118304 165987 171984 92830 109837 7559697 2019 46 43 625405 335927 292308 0 0 0 0 15000 102848 125403 179266 184023 102113 120820 8144738 2020 47 44 625405 366925 321538 0 0 0 0 115000 109019 132927 193607 196904 112324 132903 8776849 2021 48 45 628495 401534 353692 0 0 0 0 0 115560 140903 209096 210687 123556 146193 945995
10 2022 49 46 663598 466874 389061 0 0 0 0 0 122494 149357 225824 225436 135912 160812 101983411 2023 50 47 663598 512160 427968 0 0 0 0 0 129844 158318 243889 241216 149503 176893 109966412 2024 51 48 663598 558232 470764 0 0 0 0 0 137634 167817 263401 258101 164454 194583 118598913 2025 52 49 663598 608905 517841 0 0 0 0 0 145892 177886 284473 276168 180899 214041 127935914 2026 53 50 663598 664649 569625 0 0 0 0 0 154646 188559 307230 295500 198989 235445 138036915 2027 54 51 663598 725959 626587 0 0 0 0 0 163925 199873 331809 316185 218888 258989 148966916 2028 55 52 663598 793404 689246 0 0 0 0 0 173760 211865 358354 338318 240777 284888 160796217 2029 56 53 663598 867595 758171 0 0 0 0 0 184186 224577 387022 362000 264854 313377 173601618 2030 57 54 663598 949120 833988 0 0 0 0 0 195237 238052 417984 387340 291340 344715 187466719 2031 58 55 663598 1028589 917386 0 0 0 0 0 206951 252335 451422 414454 320474 379186 202482220 2032 59 56 663598 1115994 1009125 0 0 0 0 0 219368 267475 487536 443466 352521 417105 218747121 2033 60 57 663598 1212143 1110037 0 0 0 0 0 232530 283524 526539 474508 387773 458815 236369022 2034 61 58 0 1317908 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 1434254 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 1562224 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
(Existing ) -Today - onwards - Cash - Inflow & Outflow with Investment Cash Flow & AnnexuresAge : Main Income Other Income Regular Expenses - Outflow
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 99
Sr. No. Year Amar Patel
Sangita Patel
Post Office Reccuring
Deposit
Traditional Life
Insurance Plan
Traditional Pension
Plan
Unit Linked Life
Insurance Plan
Unit Linked Pension
Plan
Mutual Fund SIP
Investment
Total Investment
Outflow
Regular Investment
in PPF
Mutual Fund SIP
Investment
Total Investment
for Retirement
EPF Contribution
(Self)
EPF Contribution
(Spouse)
0 2012 39 36 3500 2553 0 0 10000 48000 64053 6000 12000 18000 82053 25920 01 2013 40 37 6000 19541 6450 0 10000 156000 197991 24000 42000 66000 263991 77760 02 2014 41 38 6000 19541 6450 0 10000 168000 209991 24000 48000 72000 281991 77760 03 2015 42 39 6000 19541 6450 0 10000 180000 221991 24000 54000 78000 299991 77760 04 2016 43 40 3000 19541 6450 0 10000 192000 230991 22000 60000 82000 312991 77760 05 2017 44 41 0 19541 6450 0 10000 204000 239991 12000 66000 78000 317991 77760 06 2018 45 42 0 19541 6450 0 10000 216000 251991 12000 72000 84000 335991 77760 07 2019 46 43 0 19541 6450 0 10000 228000 263991 12000 78000 90000 353991 77760 08 2020 47 44 0 9885 6450 0 10000 240000 266335 11000 84000 95000 361335 77760 09 2021 48 45 0 9885 6450 0 0 252000 268335 0 90000 90000 358335 77760 0
10 2022 49 46 0 7767 6450 0 0 264000 278217 0 96000 96000 374217 77760 011 2023 50 47 0 2077 6450 0 0 276000 284527 0 102000 102000 386527 77760 012 2024 51 48 0 2077 6450 0 0 288000 296527 0 108000 108000 404527 77760 013 2025 52 49 0 2077 0 0 0 300000 302077 0 114000 114000 416077 77760 014 2026 53 50 0 2077 0 0 0 312000 314077 0 120000 120000 434077 77760 015 2027 54 51 0 0 0 0 0 324000 324000 0 126000 126000 450000 77760 016 2028 55 52 0 0 0 0 0 336000 336000 0 132000 132000 468000 77760 017 2029 56 53 0 0 0 0 0 348000 348000 0 138000 138000 486000 77760 018 2030 57 54 0 0 0 0 0 360000 360000 0 144000 144000 504000 77760 019 2031 58 55 0 0 0 0 0 372000 372000 0 150000 150000 522000 77760 020 2032 59 56 0 0 0 0 0 384000 384000 0 156000 156000 540000 77760 021 2033 60 57 0 0 0 0 0 396000 396000 0 162000 162000 558000 77760 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0
Self / Employer ContributionAge : Investment For Retirement NeedsRegular Investment Outflow Total
Investment Commitment
(Outflow)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 100
Fixed Assets - For
Personal use only
Fixed Assets - For
Personal use only
Loan for Expenses
Loan for Expenses Others Loan Others Loan
Immovable Properties
Movable Properties
Expenses type Loan-
EMI
Expenses type Loan-
EMI
Liabilities of Payment
Liabilities of Payment
Residential Building /
Flat
Two Wheelers
Credit Card Outstanding'
s
Credit Card Outstanding'
s
Loan from Friends-1
Loan from Friends-1-
Interest
Sr. No. Year Amar Patel
Sangita Patel
0 2012 39 36 9000 6000 7500 6000 0 4500 0 0 0 0 0 0 0 0 330001 2013 40 37 36000 18000 30000 24000 0 18000 0 0 0 0 0 0 0 0 1260002 2014 41 38 36000 0 30000 24000 0 18000 0 0 0 0 0 0 0 0 1080003 2015 42 39 36000 0 30000 18000 100000 18000 0 0 0 0 0 0 0 0 2020004 2016 43 40 36000 0 22500 0 0 0 0 0 0 0 0 0 0 0 585005 2017 44 41 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 360006 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Assets - Purpose of use
Property Types
Loan on Assets
Total Loan Payment Liabilites
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 101
Sr. No. Year Amar Patel
Sangita Patel
HDFC MID-CAP
OPPORTUNITIES FUND -
Growth Option
HDFC Equity Fund - Growth Option
0 0 0 0 0 0 0 0
ICICI Prudential Tax Plan-Growth Option
0 0 0 0
0 2012 39 36 20000 28000 0 0 0 0 0 0 0 0 12000 0 0 0 01 2013 40 37 66000 90000 0 0 0 0 0 0 0 0 42000 0 0 0 02 2014 41 38 72000 96000 0 0 0 0 0 0 0 0 48000 0 0 0 03 2015 42 39 78000 102000 0 0 0 0 0 0 0 0 54000 0 0 0 04 2016 43 40 84000 108000 0 0 0 0 0 0 0 0 60000 0 0 0 05 2017 44 41 90000 114000 0 0 0 0 0 0 0 0 66000 0 0 0 06 2018 45 42 96000 120000 0 0 0 0 0 0 0 0 72000 0 0 0 07 2019 46 43 102000 126000 0 0 0 0 0 0 0 0 78000 0 0 0 08 2020 47 44 108000 132000 0 0 0 0 0 0 0 0 84000 0 0 0 09 2021 48 45 114000 138000 0 0 0 0 0 0 0 0 90000 0 0 0 0
10 2022 49 46 120000 144000 0 0 0 0 0 0 0 0 96000 0 0 0 011 2023 50 47 126000 150000 0 0 0 0 0 0 0 0 102000 0 0 0 012 2024 51 48 132000 156000 0 0 0 0 0 0 0 0 108000 0 0 0 013 2025 52 49 138000 162000 0 0 0 0 0 0 0 0 114000 0 0 0 014 2026 53 50 144000 168000 0 0 0 0 0 0 0 0 120000 0 0 0 015 2027 54 51 150000 174000 0 0 0 0 0 0 0 0 126000 0 0 0 016 2028 55 52 156000 180000 0 0 0 0 0 0 0 0 132000 0 0 0 017 2029 56 53 162000 186000 0 0 0 0 0 0 0 0 138000 0 0 0 018 2030 57 54 168000 192000 0 0 0 0 0 0 0 0 144000 0 0 0 019 2031 58 55 174000 198000 0 0 0 0 0 0 0 0 150000 0 0 0 020 2032 59 56 180000 204000 0 0 0 0 0 0 0 0 156000 0 0 0 021 2033 60 57 186000 210000 0 0 0 0 0 0 0 0 162000 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investment through SIP - For Need other than Retirement Investment through SIP - For Retirement Need Only
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 102
Sr. No. Year Amar Patel Sangita Patel
0 2012 39 36 23205 0 23205 0 0 73862 73862 0 970671 2013 40 37 72910 0 72910 18750 44000 0 62750 0 1356602 2014 41 38 59160 0 59160 0 0 260000 260000 0 3191603 2015 42 39 48410 0 48410 0 155195 50000 205195 0 2536054 2016 43 40 38058 0 38058 0 0 854190 854190 0 8922475 2017 44 41 1708 0 1708 171225 0 48031 219256 0 2209646 2018 45 42 0 0 0 18750 0 0 18750 0 187507 2019 46 43 0 0 0 0 0 70000 70000 0 700008 2020 47 44 0 0 0 255000 0 0 255000 0 2550009 2021 48 45 0 0 0 0 227187 117171 344357 0 344357
10 2022 49 46 0 0 0 108500 0 0 108500 0 10850011 2023 50 47 0 0 0 89625 0 0 89625 0 8962512 2024 51 48 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 243125 0 0 243125 0 24312514 2026 53 50 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 108500 0 0 108500 0 10850016 2028 55 52 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 15916649 1591664923 2035 62 59 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0
Su
mm
ary
-In
com
e fr
om
In
vest
men
t &
Mat
uri
ty B
enef
it
Cas
h F
low
Mutual Fund Regular
Withdrawal (SWP)
Regular Income from
Debt Investment (Other than
MF)
Retirement Benefit /
Investment Maturity
proceeds of Retirement
Account
Total Inflow throgh
Maturity Proceeds & Investment
Income, Retirement Fund Etc.
Total Income / Maturity Proceeds Amount
from Unit Linked Plan
Total Amount of
Maturity Proceeds
from Postal Schemes /
Bonds - NCD / FDR
Inflow through Maturity Proceeds. Investments Account
Total inflow through Maturity
proceeds of Investment
Account
Age :
Income from Investment
Total Income / Maturity Proceeds Amount
from Traditional
Plan
Total inflow through Interest /
Sys. Withdrawal
from Investment
Account
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 103
Sr. No. Year Amar Patel Sangita Patel
Regular Prem.-
Traditional Life
Insurance Plan -
Maturity
Single Prem.-Traditional
Life Insurance
Plan -Maturity
Reg. Premium Policy - Survival Benefit
Single Premium Policy - Survival Benefit
Regular Prem.-
Traditional Pension
Plan -Maturity
Single Prem.- Traditional
Pension Plan -
Maturity
Ulip-Regular Premium -Maturity
Ulip-Single Premium
ULPP-Regular
Premium
ULPP-Single Premium
0 2012 39 36 0 0 0 0 0 0 0 0 0 0 0 0 738621 2013 40 37 0 0 18750 0 0 0 18750 44000 0 0 0 44000 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 2600003 2015 42 39 0 0 0 0 0 0 0 0 77597 0 77597 155195 500004 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 8541905 2017 44 41 0 73975 0 0 0 97250 171225 0 0 0 0 0 480316 2018 45 42 0 0 18750 0 0 0 18750 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 700008 2020 47 44 255000 0 0 0 0 0 255000 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 227187 0 227187 117171
10 2022 49 46 108500 0 0 0 0 0 108500 0 0 0 0 0 011 2023 50 47 89625 0 0 0 0 0 89625 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 243125 0 243125 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 108500 0 0 0 0 0 108500 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Income / Maturity Proceeds Amount
from Unit Linked Plan
Age : Regular Income / Maturity Proceeds - Traditional Life Insurance Plan
Traditional Pension Plan Maturity
Unit Linked Life Insurance / Pension Plan Maturity ProceedsTotal Income
/ Maturity Proceeds Amount
from Traditional
Plan
Total Amount of Maturity
Proceeds from Postal
Schemes / Bonds - NCD /
FDR
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 104
Sr. No. Year Amar Patel Sangita Patel
Post Office Monthly Income Scheme
Senior Citizen Savings Scheme
Income -Govt. / Pvt. Co. -Bond /
NCD
Income - Company
FDs
Post Office Reccuring
Deposit
Post Office Monthly Scheme
Senior Citizen Savings Scheme
Income -Govt. / Pvt. Co. -Bond /
NCD
Income - Company
FDs
Postal - Time
Deposit
National Savings
Certificate
Kisan Vikas Patra
Growth -Govt. / Pvt. Co. -Bond /
NCD
Growth - Company
FDsBank_FDR
0 2012 39 36 7125 3375 7300 5405 73862 0 0 0 0 0 0 0 0 0 01 2013 40 37 28500 13500 20100 10810 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 28500 13500 6350 10810 0 110000 0 150000 0 0 0 0 0 0 03 2015 42 39 20500 13500 3600 10810 0 0 50000 0 0 0 0 0 0 0 04 2016 43 40 20500 6750 2700 8108 36931 250000 100000 40000 100000 37699 0 0 89391 52145 1480245 2017 44 41 1708 0 0 0 0 0 0 0 0 0 48031 0 0 0 06 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 70000 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 117171 0 0 0 0
10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Age : Regular Income from Investment Maturity Proceeds of Investments - Post Office Schemes / Bonds / NCD / Company FDR / Bank FDR
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 105
Sr. No. Year Amar Patel Sangita Patel EPF EPS Gratuity Any Others EPF EPS Gratuity Any Others
0 2012 39 36 0 0 0 0 0 0 0 0 0 0 01 2013 40 37 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 03 2015 42 39 0 0 0 0 0 0 0 0 0 0 04 2016 43 40 0 0 0 0 0 0 0 0 0 0 05 2017 44 41 0 0 0 0 0 0 0 0 0 0 06 2018 45 42 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 0
10 2022 49 46 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 6074375 233611 904327 7212313 0 0 0 0 1139315 7565021 1591664923 2035 62 59 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0
Age : Maturity Proceeds of Retirement Fund - (Self) PPF Maturity ( Re -
invested if mature earlier)
Total Fund Available at Retirement
(From Regular Investments)
Total Retirement
Benefit (Self)
Maturity Proceeds of Retirement Fund - (Spouse)Total
Retirement Benefit
(Spouse)
Mutual Fund SIP ( Value
at Retirement)
Sample Financial Plan Report in Excel 30/09/2012
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2
12
220000
95000
9.50%
60 12% 5700 68400
Monthly Yearly Rise %wise OR Amt. wise Rise %wise OR Amt. wise
35000 420000 8% 0% 0% 0%
12500 150000 8% 0% 0% 0% 12.00% EPF EPF
47500 570000 3.67% 239 2863
EPS EPS
5000 60000 8% 0% 0% 0% 8.33% 541 6497
4000 48000 0% 0% 0% 0%
3000 36000 0% 0% 0% 0% 0 0 Yes
1000 12000 0% 0% 0% 0% 250 3000
1000 12000 0% 0% 0% 0% 5950 71400
100 1200 0% 0% 0% 0% 55650 667800
14100 169200 2033 6074375 Monthly Yearly
61600 739200 2033 904327 62130 745560
Income from Salary - Working Sheet
Total Value of EPF at Retirement
Total Value of Gratuity at Retirement
Current Balance of EPF Account
Bonus
HRA
Conveyance
Child Education
Current Salary Structure
Basic Salary
DA
Basic+ DA - Salary
Other Allowances
Uniform
Total Allowances
Medical
Total Salary
EPF Limit Applicable on Current Salary?
Yes
6500
Effective Salary (with EPF / EPS)
ESIC
Professional Tax
Yearly EPF Contribution Amount Rs.
Other Deductions
Contribution Amt. - Yearly Rs.
Contribution Amt. - Monthly
Rs.
Current Balance of EPS Account Salary Increase Yearly :
OR Increase from
Current Interest Rate on EPF
Salary & EPF Calculation Sheet for : Amar Patel
OR
Year gap
No. of years in Services -Completed
Retirement Age :
> Select > Option : 1 OR
Every Applicable Monthly Salary for EPF
Deduction -if Yes - 6500 is Limit
EPF Deduction Rate (%)
EPF Limit Applicable on Current Salary?
No
47500
Self Contribution
<< Select << Option : 2
3
Total Deductions
Net Salary ( in Cash )
Monthly EPF Contribution Amount Rs.
Employer ContributionApplicable Monthly Salary for EPF
Deduction -if Yes - 6500 is Limit
EPF Dedu. Rate (%)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 107
Sr. No. Age Year Basic Salary DA Total
Basic Salary Bonus HRA Conveyance Child Education Medical Uniform Grand Total
(Salary)
EPF Contribution
(Self)ESIC Professional
TaxTotal
Deduction Net Salary
1 39 2012 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678002 40 2013 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678003 41 2014 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678004 42 2015 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678005 43 2016 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678006 44 2017 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678007 45 2018 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678008 46 2019 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 6678009 47 2020 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
10 48 2021 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780011 49 2022 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780012 50 2023 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780013 51 2024 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780014 52 2025 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780015 53 2026 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780016 54 2027 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780017 55 2028 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780018 56 2029 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780019 57 2030 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780020 58 2031 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780021 59 2032 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 66780022 60 2033 420000 150000 570000 60000 48000 36000 12000 12000 1200 739200 68400 0 3000 71400 667800
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Amar Patel
Income from Salary - Working SheetOther Allowances ( if in other head -rename it) Other Deductions
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 108
30/09/2012
Age Opening Balance Rs.
Total AmtEPF Rs.
Interest Amt. Rs.
Closing Balance Rs. Gratuity Opening
Balance Rs.
EPSContribution( Employer )
Closing Balance Rs. Net Salary Total EPF Total EPS Effective
Salary Net Salary Applicable Income Tax
Salary After Tax
39 220000 23754 20900 264654 0 95000 2166 97166 222600 23754 2166 248520 222600 15714 20688640 264654 71263 25142 361059 0 97166 6497 103663 667800 71263 6497 745560 667800 44774 62302641 361059 71263 34301 466622 0 103663 6497 110161 667800 71263 6497 745560 667800 45310 62249042 466622 71263 44329 582214 0 110161 6497 116658 667800 71263 6497 745560 667800 44239 62356243 582214 71263 55310 708787 0 116658 6497 123155 667800 71263 6497 745560 667800 44311 62348944 708787 71263 67335 847384 0 123155 6497 129653 667800 71263 6497 745560 667800 42045 62575545 847384 71263 80501 999148 0 129653 6497 136150 667800 71263 6497 745560 667800 42395 62540546 999148 71263 94919 1165330 0 136150 6497 142648 667800 71263 6497 745560 667800 42395 62540547 1165330 71263 110706 1347299 0 142648 6497 149145 667800 71263 6497 745560 667800 42395 62540548 1347299 71263 127993 1546555 0 149145 6497 155642 667800 71263 6497 745560 667800 39305 62849549 1546555 71263 146923 1764740 0 155642 6497 162140 667800 71263 6497 745560 667800 4202 66359850 1764740 71263 167650 2003653 0 162140 6497 168637 667800 71263 6497 745560 667800 4202 66359851 2003653 71263 190347 2265263 0 168637 6497 175135 667800 71263 6497 745560 667800 4202 66359852 2265263 71263 215200 2551725 0 175135 6497 181632 667800 71263 6497 745560 667800 4202 66359853 2551725 71263 242414 2865402 0 181632 6497 188129 667800 71263 6497 745560 667800 4202 66359854 2865402 71263 272213 3208877 0 188129 6497 194627 667800 71263 6497 745560 667800 4202 66359855 3208877 71263 304843 3584983 0 194627 6497 201124 667800 71263 6497 745560 667800 4202 66359856 3584983 71263 340573 3996819 0 201124 6497 207622 667800 71263 6497 745560 667800 4202 66359857 3996819 71263 379698 4447780 0 207622 6497 214119 667800 71263 6497 745560 667800 4202 66359858 4447780 71263 422539 4941582 0 214119 6497 220616 667800 71263 6497 745560 667800 4202 66359859 4941582 71263 469450 5482294 0 220616 6497 227114 667800 71263 6497 745560 667800 4202 66359860 5482294 71263 520818 6074375 904327 227114 6497 233611 667800 71263 6497 745560 667800 4202 6635980 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
EPF
& E
PS -
Cas
h Fl
ow -
Toda
y O
nwar
ds
Net Cash IncomeSample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 109
No Yes Yes Yes 3%
Sr. No. Age Year
Grand Total
(Salary)
Professional Tax
Less : Exemption U/s. 10 & 17
Taxable Salary
Taxable Income - House
Properties
Other Income
Other Income
Other Income
Interest on Loan
/Advances
Income from Other
Sources
Total Taxable Income
Under Chapter
VI -A
Under Chapter VI - Sec.-80 C
Net Taxable Income
Applicable Income
TaxEdu. Cess
Total Income
Tax
Income Tax Ratio
1 39 2012 739200 3000 80400 655800 -14090 0 0 0 15000 37139 693849 15000 100000 578849 45770 1373 47143 8.14%2 40 2013 739200 3000 80400 655800 -12034 0 0 0 15000 23588 682353 15000 100000 567353 43470 1304 44774 7.89%3 41 2014 739200 3000 80400 655800 -9786 0 0 0 15000 23920 684934 15000 100000 569934 43990 1320 45310 7.95%4 42 2015 739200 3000 80400 655800 -7327 0 0 0 15000 16276 679749 15000 100000 564749 42950 1289 44239 7.83%5 43 2016 739200 3000 80400 655800 -4637 0 0 0 15000 13954 680117 15000 100000 565117 43020 1291 44311 7.84%6 44 2017 739200 3000 80400 655800 -1695 0 0 0 15000 0 669105 15000 100000 554105 40820 1225 42045 7.59%7 45 2018 739200 3000 80400 655800 0 0 0 0 15000 0 670800 15000 100000 555800 41160 1235 42395 7.63%8 46 2019 739200 3000 80400 655800 0 0 0 0 15000 0 670800 15000 100000 555800 41160 1235 42395 7.63%9 47 2020 739200 3000 80400 655800 0 0 0 0 15000 0 670800 15000 100000 555800 41160 1235 42395 7.63%
10 48 2021 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 38160 1145 39305 7.27%11 49 2022 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%12 50 2023 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%13 51 2024 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%14 52 2025 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%15 53 2026 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%16 54 2027 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%17 55 2028 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%18 56 2029 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%19 57 2030 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%20 58 2031 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%21 59 2032 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%22 60 2033 739200 3000 80400 655800 0 0 0 0 0 0 655800 15000 100000 540800 4080 122 4202 0.78%23 61 2034 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%24 62 2035 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%25 63 2036 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%26 64 2037 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%27 65 2038 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%28 66 2039 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%29 67 2040 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%30 68 2041 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%31 69 2042 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%32 70 2043 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%33 71 2044 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%34 72 2045 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%35 73 2046 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%36 74 2047 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%37 75 2048 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%38 76 2049 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%39 77 2050 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%40 78 2051 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%
Your another Taxable Income?Deductions:
Income Tax - Calculation & Projection SheetFor : Amar Patel
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 110
Limit Limit Limit Limit Limit Limit Limit LimitRent Paid Per Month For 2 Child Annual
120000 800 400 15000Metro 9600 9600 Deduction 100% 100%
50% 100% 30% Yes Yes
Sr. No. Age Year HRA Conveyan
ceChild
Education Medical Uniform LTA S/B A/c. Interest
U/s. 10 (10)
House Rent
Income
Less : Municipal
Tax
Net Annual Value
Standard Deduction
Taxable Income
Loan for Self
Residence
Loan for Additional
Home1 39 2012 48000 9600 9600 12000 1200 80400 0 0 0 0 14090 0 -140902 40 2013 48000 9600 9600 12000 1200 80400 0 0 0 0 12034 0 -120343 41 2014 48000 9600 9600 12000 1200 80400 0 0 0 0 9786 0 -97864 42 2015 48000 9600 9600 12000 1200 80400 0 0 0 0 7327 0 -73275 43 2016 48000 9600 9600 12000 1200 80400 0 0 0 0 4637 0 -46376 44 2017 48000 9600 9600 12000 1200 80400 0 0 0 0 1695 0 -16957 45 2018 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 08 46 2019 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 09 47 2020 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 0
10 48 2021 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 011 49 2022 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 012 50 2023 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 013 51 2024 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 014 52 2025 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 015 53 2026 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 016 54 2027 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 017 55 2028 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 018 56 2029 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 019 57 2030 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 020 58 2031 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 021 59 2032 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 022 60 2033 48000 9600 9600 12000 1200 80400 0 0 0 0 0 0 023 61 2034 0 0 0 0 0 0 0 0 0 0 0 0 024 62 2035 0 0 0 0 0 0 0 0 0 0 0 0 025 63 2036 0 0 0 0 0 0 0 0 0 0 0 0 026 64 2037 0 0 0 0 0 0 0 0 0 0 0 0 027 65 2038 0 0 0 0 0 0 0 0 0 0 0 0 028 66 2039 0 0 0 0 0 0 0 0 0 0 0 0 029 67 2040 0 0 0 0 0 0 0 0 0 0 0 0 030 68 2041 0 0 0 0 0 0 0 0 0 0 0 0 031 69 2042 0 0 0 0 0 0 0 0 0 0 0 0 032 70 2043 0 0 0 0 0 0 0 0 0 0 0 0 033 71 2044 0 0 0 0 0 0 0 0 0 0 0 0 034 72 2045 0 0 0 0 0 0 0 0 0 0 0 0 035 73 2046 0 0 0 0 0 0 0 0 0 0 0 0 036 74 2047 0 0 0 0 0 0 0 0 0 0 0 0 037 75 2048 0 0 0 0 0 0 0 0 0 0 0 0 038 76 2049 0 0 0 0 0 0 0 0 0 0 0 0 039 77 2050 0 0 0 0 0 0 0 0 0 0 0 0 040 78 2051 0 0 0 0 0 0 0 0 0 0 0 0 0
Annexure -1 - Income Tax Calculation sheetExemption Under Section -10 & 17 ( Applicable only for Salary Income)
Total Exemption
Amount Rs.
Income from House Properties
Interest on LoanNet Income
from House
Properties
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 111
Self Home Addi. HomeShare (%) Share (%)
100% 100%
Sr. No. Age Year
EPF Contributi
on
PPF Contributi
on
Life Insurance Premium
Pension Plan ( LI)
Life Ins. (Term Plan Premium) MF ELSS NSC NPS RGESS
Child Education
Fees
Long Term Bank FDR Others Others Total
Amount Rs.Limit U/s.
-80 C
Applicable Exemption U/s. 80C
1 39 2012 68400 12000 12873 16450 0 21910 0 36000 167633 100000 1000002 40 2013 68400 12000 12873 16450 0 23966 0 42000 175689 100000 1000003 41 2014 68400 12000 12873 16450 0 26214 0 48000 183937 100000 1000004 42 2015 68400 12000 12873 16450 0 28673 0 54000 192396 100000 1000005 43 2016 68400 12000 12873 16450 0 31363 0 60000 201086 100000 1000006 44 2017 68400 12000 12873 16450 0 34305 0 66000 210028 100000 1000007 45 2018 68400 12000 12873 16450 0 0 0 72000 181723 100000 1000008 46 2019 68400 12000 12873 16450 0 0 0 78000 187723 100000 1000009 47 2020 68400 11000 7767 16450 0 0 0 84000 187617 100000 100000
10 48 2021 68400 0 7767 6450 0 0 0 90000 172617 100000 10000011 49 2022 68400 0 7767 6450 0 0 0 96000 178617 100000 10000012 50 2023 68400 0 2077 6450 0 0 0 102000 178927 100000 10000013 51 2024 68400 0 2077 6450 0 0 0 108000 184927 100000 10000014 52 2025 68400 0 2077 0 0 0 0 114000 184477 100000 10000015 53 2026 68400 0 2077 0 0 0 0 120000 190477 100000 10000016 54 2027 68400 0 0 0 0 0 0 126000 194400 100000 10000017 55 2028 68400 0 0 0 0 0 0 132000 200400 100000 10000018 56 2029 68400 0 0 0 0 0 0 138000 206400 100000 10000019 57 2030 68400 0 0 0 0 0 0 144000 212400 100000 10000020 58 2031 68400 0 0 0 0 0 0 150000 218400 100000 10000021 59 2032 68400 0 0 0 0 0 0 156000 224400 100000 10000022 60 2033 68400 0 0 0 0 0 0 162000 230400 100000 10000023 61 2034 0 0 0 0 0 0 0 0 0 100000 024 62 2035 0 0 0 0 0 0 0 0 0 100000 025 63 2036 0 0 0 0 0 0 0 0 0 100000 026 64 2037 0 0 0 0 0 0 0 0 0 100000 027 65 2038 0 0 0 0 0 0 0 0 0 100000 028 66 2039 0 0 0 0 0 0 0 0 0 100000 029 67 2040 0 0 0 0 0 0 0 0 0 100000 030 68 2041 0 0 0 0 0 0 0 0 0 100000 031 69 2042 0 0 0 0 0 0 0 0 0 100000 032 70 2043 0 0 0 0 0 0 0 0 0 100000 033 71 2044 0 0 0 0 0 0 0 0 0 100000 034 72 2045 0 0 0 0 0 0 0 0 0 100000 035 73 2046 0 0 0 0 0 0 0 0 0 100000 036 74 2047 0 0 0 0 0 0 0 0 0 100000 037 75 2048 0 0 0 0 0 0 0 0 0 100000 038 76 2049 0 0 0 0 0 0 0 0 0 100000 039 77 2050 0 0 0 0 0 0 0 0 0 100000 040 78 2051 0 0 0 0 0 0 0 0 0 100000 0
Housing Loan Principal Repayment
Exemption Under Section -80 CUnder Chapter - VI
Annexure -2 - Income Tax Calculation sheet
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 112
Sr. No. Age Year
Health Insurance
( 80 D)
Health Ins. For
Parents( 80 D)
Medical for Handicapped Dependants
( 80 DD)
Medical for
Specified Disease
( 80 DDB)
Deduction for
Permanent Disability
( 80 U)
Interest on Higher
Education Loan
Donation ( 80 G )
Rent -( 80GG)
if HRA not Recd.
Others Others Total Deduction Year Amar Patel Kevin Sandhya
Total Income
from other sources
1 39 2012 15000 15000 2012 34569 0 2570 0 371392 40 2013 15000 15000 2013 20841 0 2746 0 235883 41 2014 15000 15000 2014 20985 0 2935 0 239204 42 2015 15000 15000 2015 13139 0 3137 0 162765 43 2016 15000 15000 2016 10602 0 3352 0 139546 44 2017 15000 15000 2017 0 0 0 0 07 45 2018 15000 15000 2018 0 0 0 0 08 46 2019 15000 15000 2019 0 0 0 0 09 47 2020 15000 15000 2020 0 0 0 0 0
10 48 2021 15000 15000 2021 0 0 0 0 011 49 2022 15000 15000 2022 0 0 0 0 012 50 2023 15000 15000 2023 0 0 0 0 013 51 2024 15000 15000 2024 0 0 0 0 014 52 2025 15000 15000 2025 0 0 0 0 015 53 2026 15000 15000 2026 0 0 0 0 016 54 2027 15000 15000 2027 0 0 0 0 017 55 2028 15000 15000 2028 0 0 0 0 018 56 2029 15000 15000 2029 0 0 0 0 019 57 2030 15000 15000 2030 0 0 0 0 020 58 2031 15000 15000 2031 0 0 0 0 021 59 2032 15000 15000 2032 0 0 0 0 022 60 2033 15000 15000 2033 0 0 0 0 023 61 2034 0 2034 0 0 0 0 024 62 2035 0 2035 0 0 0 0 025 63 2036 0 2036 0 0 0 0 026 64 2037 0 2037 0 0 0 0 027 65 2038 0 2038 0 0 0 0 028 66 2039 0 2039 0 0 0 0 029 67 2040 0 2040 0 0 0 0 030 68 2041 0 2041 0 0 0 0 031 69 2042 0 2042 0 0 0 0 032 70 2043 0 2043 0 0 0 0 033 71 2044 0 2044 0 0 0 0 034 72 2045 0 2045 0 0 0 0 035 73 2046 0 2046 0 0 0 0 036 74 2047 0 2047 0 0 0 0 037 75 2048 0 2048 0 0 0 0 038 76 2049 0 2049 0 0 0 0 039 77 2050 0 2050 0 0 0 0 040 78 2051 0 2051 0 0 0 0 0
Under Chapter - VI-A -Exemption Under Section -80 D & Others
Annexure -3 - Income Tax Calculation sheetIncome from other sources
( Interest - Regular & Provisional)Select - Other members from following to clubbing income (if any)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 113
No No No No 3%
Sr. No. Age Year Self
Income Total Income
Taxable Income - House
Properties
Other Income
Other Income
Other Income
Interest on Loan
/Advances
Income from Other
Sources
Total Taxable Income
Under Chapter
VI -A
Under Chapter VI - Sec.-80 C
Net Taxable Income
Applicable Income
TaxEdu. Cess
Total Income
Tax
Income Tax Ratio
1 36 2012 180000 0 0 180000 0 0 0 0 0 22732 202732 0 18668 184064 0 0 0 0.00%2 37 2013 198000 0 0 198000 0 0 0 0 0 22887 220887 0 18668 202219 220 7 227 0.11%3 38 2014 217800 0 0 217800 0 0 0 0 0 23053 240853 0 18668 222185 2220 67 2287 1.03%4 39 2015 239580 0 0 239580 0 0 0 0 0 23230 262810 0 18668 244142 4410 132 4542 1.86%5 40 2016 263538 0 0 263538 0 0 0 0 0 23420 286958 0 16668 270290 7030 211 7241 2.68%6 41 2017 289892 0 0 289892 0 0 0 0 0 4832 294723 0 6668 288055 8810 264 9074 3.15%7 42 2018 318881 0 0 318881 0 0 0 0 0 0 318881 0 6668 312213 11220 337 11557 3.70%8 43 2019 350769 0 0 350769 0 0 0 0 0 0 350769 0 6668 344101 14410 432 14842 4.31%9 44 2020 385846 0 0 385846 0 0 0 0 0 0 385846 0 2118 383728 18370 551 18921 4.93%
10 45 2021 424431 0 0 424431 0 0 0 0 0 0 424431 0 2118 422313 22230 667 22897 5.42%11 46 2022 466874 0 0 466874 0 0 0 0 0 0 466874 0 0 466874 0 0 0 0.00%12 47 2023 513561 0 0 513561 0 0 0 0 0 0 513561 0 0 513561 1360 41 1401 0.27%13 48 2024 564917 0 0 564917 0 0 0 0 0 0 564917 0 0 564917 6490 195 6685 1.18%14 49 2025 621409 0 0 621409 0 0 0 0 0 0 621409 0 0 621409 12140 364 12504 2.01%15 50 2026 683550 0 0 683550 0 0 0 0 0 0 683550 0 0 683550 18350 551 18901 2.77%16 51 2027 751905 0 0 751905 0 0 0 0 0 0 751905 0 0 751905 25190 756 25946 3.45%17 52 2028 827095 0 0 827095 0 0 0 0 0 0 827095 0 0 827095 32710 981 33691 4.07%18 53 2029 909805 0 0 909805 0 0 0 0 0 0 909805 0 0 909805 40980 1229 42209 4.64%19 54 2030 1000785 0 0 1000785 0 0 0 0 0 0 1000785 0 0 1000785 50160 1505 51665 5.16%20 55 2031 1100864 0 0 1100864 0 0 0 0 0 0 1100864 0 0 1100864 70170 2105 72275 6.57%21 56 2032 1210950 0 0 1210950 0 0 0 0 0 0 1210950 0 0 1210950 92190 2766 94956 7.84%22 57 2033 1332045 0 0 1332045 0 0 0 0 0 0 1332045 0 0 1332045 116410 3492 119902 9.00%23 58 2034 1465249 0 0 1465249 0 0 0 0 0 0 1465249 0 0 1465249 143050 4292 147342 10.06%24 59 2035 1611774 0 0 1611774 0 0 0 0 0 0 1611774 0 0 1611774 172350 5171 177521 11.01%25 60 2036 1772952 0 0 1772952 0 0 0 0 0 0 1772952 0 0 1772952 204590 6138 210728 11.89%26 0 2037 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%27 0 2038 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%28 0 2039 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%29 0 2040 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%30 0 2041 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%31 0 2042 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%32 0 2043 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%33 0 2044 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%34 0 2045 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%35 0 2046 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%36 0 2047 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%37 0 2048 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%38 0 2049 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%39 0 2050 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%40 0 2051 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00%
Income Tax - Calculation & Projection SheetFor : Sangita Patel Your another Taxable Income?
Deductions: Transfer to Expenses
Sample Financial Plan Report in Excel 30/09/2012
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Limit Limit Limit Limit Limit Limit Limit LimitRent Paid Per Month For 2 Child Annual
120000 800 400 15000Metro 9600 9600 Deduction 0% 0%
50% 0% 30% No No
Sr. No. Age Year HRA Conveyan
ceChild
Education Medical Uniform LTA S/B A/c. Interest
U/s. 10 (10)
House Rent
Income
Less : Municipal
Tax
Net Annual Value
Standard Deduction
Taxable Income
Loan for Self
Residence
Loan for Additional
Home1 36 2012 0 0 0 0 0 0 0 0 0 0 0 0 02 37 2013 0 0 0 0 0 0 0 0 0 0 0 0 03 38 2014 0 0 0 0 0 0 0 0 0 0 0 0 04 39 2015 0 0 0 0 0 0 0 0 0 0 0 0 05 40 2016 0 0 0 0 0 0 0 0 0 0 0 0 06 41 2017 0 0 0 0 0 0 0 0 0 0 0 0 07 42 2018 0 0 0 0 0 0 0 0 0 0 0 0 08 43 2019 0 0 0 0 0 0 0 0 0 0 0 0 09 44 2020 0 0 0 0 0 0 0 0 0 0 0 0 0
10 45 2021 0 0 0 0 0 0 0 0 0 0 0 0 011 46 2022 0 0 0 0 0 0 0 0 0 0 0 0 012 47 2023 0 0 0 0 0 0 0 0 0 0 0 0 013 48 2024 0 0 0 0 0 0 0 0 0 0 0 0 014 49 2025 0 0 0 0 0 0 0 0 0 0 0 0 015 50 2026 0 0 0 0 0 0 0 0 0 0 0 0 016 51 2027 0 0 0 0 0 0 0 0 0 0 0 0 017 52 2028 0 0 0 0 0 0 0 0 0 0 0 0 018 53 2029 0 0 0 0 0 0 0 0 0 0 0 0 019 54 2030 0 0 0 0 0 0 0 0 0 0 0 0 020 55 2031 0 0 0 0 0 0 0 0 0 0 0 0 021 56 2032 0 0 0 0 0 0 0 0 0 0 0 0 022 57 2033 0 0 0 0 0 0 0 0 0 0 0 0 023 58 2034 0 0 0 0 0 0 0 0 0 0 0 0 024 59 2035 0 0 0 0 0 0 0 0 0 0 0 0 025 60 2036 0 0 0 0 0 0 0 0 0 0 0 0 026 0 2037 0 0 0 0 0 0 0 0 0 0 0 0 027 0 2038 0 0 0 0 0 0 0 0 0 0 0 0 028 0 2039 0 0 0 0 0 0 0 0 0 0 0 0 029 0 2040 0 0 0 0 0 0 0 0 0 0 0 0 030 0 2041 0 0 0 0 0 0 0 0 0 0 0 0 031 0 2042 0 0 0 0 0 0 0 0 0 0 0 0 032 0 2043 0 0 0 0 0 0 0 0 0 0 0 0 033 0 2044 0 0 0 0 0 0 0 0 0 0 0 0 034 0 2045 0 0 0 0 0 0 0 0 0 0 0 0 035 0 2046 0 0 0 0 0 0 0 0 0 0 0 0 036 0 2047 0 0 0 0 0 0 0 0 0 0 0 0 037 0 2048 0 0 0 0 0 0 0 0 0 0 0 0 038 0 2049 0 0 0 0 0 0 0 0 0 0 0 0 039 0 2050 0 0 0 0 0 0 0 0 0 0 0 0 040 0 2051 0 0 0 0 0 0 0 0 0 0 0 0 0
Annexure -1 - Income Tax Calculation sheetExemption Under Section -10 & 17 ( Applicable only for Salary Income) Income from House Properties
Net Income from
House Properties
Total Exemption
Amount Rs.
Interest on Loan
Sample Financial Plan Report in Excel 30/09/2012
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Self Home Addi. HomeShare (%) Share (%)
0% 0%
Sr. No. Age Year
EPF Contributi
on
PPF Contributi
on
Life Insurance Premium
Pension Plan ( LI)
Life Ins. (Term Plan Premium) MF ELSS NSC NPS RGESS
Child Education
Fees
Long Term Bank FDR Others Others Total
Amount Rs.Limit U/s.
-80 C
Applicable Exemption U/s. 80C
1 36 2012 0 12000 4550 2118 0 0 0 0 18668 100000 186682 37 2013 0 12000 4550 2118 0 0 0 0 18668 100000 186683 38 2014 0 12000 4550 2118 0 0 0 0 18668 100000 186684 39 2015 0 12000 4550 2118 0 0 0 0 18668 100000 186685 40 2016 0 10000 4550 2118 0 0 0 0 16668 100000 166686 41 2017 0 0 4550 2118 0 0 0 0 6668 100000 66687 42 2018 0 0 4550 2118 0 0 0 0 6668 100000 66688 43 2019 0 0 4550 2118 0 0 0 0 6668 100000 66689 44 2020 0 0 0 2118 0 0 0 0 2118 100000 2118
10 45 2021 0 0 0 2118 0 0 0 0 2118 100000 211811 46 2022 0 0 0 0 0 0 0 0 0 100000 012 47 2023 0 0 0 0 0 0 0 0 0 100000 013 48 2024 0 0 0 0 0 0 0 0 0 100000 014 49 2025 0 0 0 0 0 0 0 0 0 100000 015 50 2026 0 0 0 0 0 0 0 0 0 100000 016 51 2027 0 0 0 0 0 0 0 0 0 100000 017 52 2028 0 0 0 0 0 0 0 0 0 100000 018 53 2029 0 0 0 0 0 0 0 0 0 100000 019 54 2030 0 0 0 0 0 0 0 0 0 100000 020 55 2031 0 0 0 0 0 0 0 0 0 100000 021 56 2032 0 0 0 0 0 0 0 0 0 100000 022 57 2033 0 0 0 0 0 0 0 0 0 100000 023 58 2034 0 0 0 0 0 0 0 0 0 100000 024 59 2035 0 0 0 0 0 0 0 0 0 100000 025 60 2036 0 0 0 0 0 0 0 0 0 100000 026 0 2037 0 0 0 0 0 0 0 0 0 100000 027 0 2038 0 0 0 0 0 0 0 0 0 100000 028 0 2039 0 0 0 0 0 0 0 0 0 100000 029 0 2040 0 0 0 0 0 0 0 0 0 100000 030 0 2041 0 0 0 0 0 0 0 0 0 100000 031 0 2042 0 0 0 0 0 0 0 0 0 100000 032 0 2043 0 0 0 0 0 0 0 0 0 100000 033 0 2044 0 0 0 0 0 0 0 0 0 100000 034 0 2045 0 0 0 0 0 0 0 0 0 100000 035 0 2046 0 0 0 0 0 0 0 0 0 100000 036 0 2047 0 0 0 0 0 0 0 0 0 100000 037 0 2048 0 0 0 0 0 0 0 0 0 100000 038 0 2049 0 0 0 0 0 0 0 0 0 100000 039 0 2050 0 0 0 0 0 0 0 0 0 100000 040 0 2051 0 0 0 0 0 0 0 0 0 100000 0
Annexure -2 - Income Tax Calculation sheet
Under Chapter - VI Exemption Under Section -80 C
Housing Loan Principal Repayment
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 116
Sr. No. Age Year
Health Insurance
( 80 D)
Health Ins. For
Parents( 80 D)
Medical for Handicapped Dependants
( 80 DD)
Medical for
Specified Disease
( 80 DDB)
Deduction for
Permanenet Disability
( 80 U)
Interest on Higher
Education Loan
Donation ( 80 G )
Rent -( 80GG)
if HRA not Recd.
Others Others Total Deduction Year Sangita
Patel
Total Income
from other sources
1 36 2012 0 2012 22732 0 0 0 227322 37 2013 0 2013 22887 0 0 0 228873 38 2014 0 2014 23053 0 0 0 230534 39 2015 0 2015 23230 0 0 0 232305 40 2016 0 2016 23420 0 0 0 234206 41 2017 0 2017 4832 0 0 0 48327 42 2018 0 2018 0 0 0 0 08 43 2019 0 2019 0 0 0 0 09 44 2020 0 2020 0 0 0 0 0
10 45 2021 0 2021 0 0 0 0 011 46 2022 0 2022 0 0 0 0 012 47 2023 0 2023 0 0 0 0 013 48 2024 0 2024 0 0 0 0 014 49 2025 0 2025 0 0 0 0 015 50 2026 0 2026 0 0 0 0 016 51 2027 0 2027 0 0 0 0 017 52 2028 0 2028 0 0 0 0 018 53 2029 0 2029 0 0 0 0 019 54 2030 0 2030 0 0 0 0 020 55 2031 0 2031 0 0 0 0 021 56 2032 0 2032 0 0 0 0 022 57 2033 0 2033 0 0 0 0 023 58 2034 0 2034 0 0 0 0 024 59 2035 0 2035 0 0 0 0 025 60 2036 0 2036 0 0 0 0 026 0 2037 0 2037 0 0 0 0 027 0 2038 0 2038 0 0 0 0 028 0 2039 0 2039 0 0 0 0 029 0 2040 0 2040 0 0 0 0 030 0 2041 0 2041 0 0 0 0 031 0 2042 0 2042 0 0 0 0 032 0 2043 0 2043 0 0 0 0 033 0 2044 0 2044 0 0 0 0 034 0 2045 0 2045 0 0 0 0 035 0 2046 0 2046 0 0 0 0 036 0 2047 0 2047 0 0 0 0 037 0 2048 0 2048 0 0 0 0 038 0 2049 0 2049 0 0 0 0 039 0 2050 0 2050 0 0 0 0 040 0 2051 0 2051 0 0 0 0 0
Under Chapter - VI-A -Exemption Under Section -80 D & OthersIncome from other sources
( Interest - Regular & Provisional)Select - Other members from following to clubbing income (if any)
Annexure -3 - Income Tax Calculation sheet
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 117
Current Value 379258 6%485400 162539 8%132000 0 8%257991 66960 18%875391 1240000 15%
For Months 0 15%0 15%
90000 15%200000 13%
0 10%148573 9%
0 8%2287330 12.47%
0 - to - 3 8% 690370 30% 11.51%4 - to - 7 9% 1190000 52% 11.82%
406960 18% 12.00%Total : 2287330 100.00% 11.51%Note :
Age : 60Year : 2033Age : 80Year : 2053
Select : #N/A
Plan
ner'
s Not
e
Investment Priorities Retirement : Post Retirement Rate of Return (%)
Post Tax Rate of Return (%) If retirement period is fall in Short / Medium Term
Period, Long Term Return Rate is automatically replaced by Post Retirement Rate of Return. Please
check first, how much year left to retirement.
Preserve Capital Some ExtentLife Expectacy : 9%
Regular Income Not PriorityTimely Goal Achievement Very ImportantOptimum Return Fairly Important Retirement Cash Flow - With Accumulation & Consumption.Growth Over Time Very ImportantMaximum Growth Some Extent
Period ( No. of Years )
upto Retirement.:22
Short Term Need Short to Medium Term Liquidity Not Concern Medium Term Need Medium to Long TermGenerating Income Not Concern Long Term Need
10%Long Term Funds
Ease of Management Extremely Concern 8 - Year onwards
Safety/ Security Slightly Concern
Total Amount & Weighted Avg. Return
Financial Concerns Future Need - Period breakup with required Rate of Return Post Tax Rate of Return - AssumptionNon Maturity based Investment Portfolio
( i. e. Direct Equity + Mutual Fund)
Existing Portfolio
Portfolio Weightage
Expected Wighted Average
Return (%)
Inflation Extremely ConcernFor - Pre - Retirement Period : Period (Years) : Post Tax -
Return SelectTax Relief/advantage Slightly Concern
Equity - DiversifiedAdvice to kept emergency fund in Cash or Equivalent
for the Month Nos. >>>>291797
Equity - Diversified -ELSS
4 Equity - Sectoral
Your risk profile is suggest that you are a - Balanced - (Medium Risk) - type of investor
Equity - Thematic & OthersHybrid Fund - Balanced
Also required fund in Cash & Equivalent for Current Year Requirements ( If any)
Total Amount to be required in Current Year ( i.e. in Year ) 250000
Hybrid Fund - Asset Allocation/OthersHybrid Fund - MIPGold Funds / ETF
Goal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation
Calculation of Required Emergency Fund.
Risk
Ana
lysi
s
Finding from Your Risk Analysis Non Maturity based Investment Portfolio ( i. e. Direct Equity + Mutual Fund)
Existing Portfolio
Expected Return (%)Result of Risk Analysis
Emergency Fund - Should be kept in form of Cash
& Equivalent
Particulars Risk Capacity HighCash / S.B. A/c. / Bank FDR <1 Year
Regular Expenses Debt -LiquidLoan EMI Amount Risk Behaviour Balanced - (Medium Risk)
Debt -Short Term, Income & G. Sec.Regular Investment Commitment Direct EquityTotal Yearly Outflow Amount Rs.
Aggregate Balanced - (Medium Risk)
With Proposed Investment Portfolio
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 118
Age at Goal Start
Present Cost of Goal OR Target Goal
Amount
Inflation Effect -
Present Goal Amount will rise @%wise OR Amt.wise
Period ( Years)
available for Regular
Investments
Fund to be required in Period OR
Year
Fund to be required for No. of Years
Goal Priority
Wants to include OR Calculate your
Goal Amt. with Current Cash
Flow?
If Goal Selection is "Yes", Goal
Funding from Assets Liquidation
/ Future Loan?
Future Goal -Amount to be required Rs.
Goal Funding Amt. from
Assets Liquidation /
Future Loans - Rs.
Goal Funding Amount through
Financial Investment
A/c.
Total Possible Goal
Achievement Amt. Rs.
Shortfall in Goal Amt. Rs.
Possible Goal Achievement
%wise
Shortfall in Goal %wise
Child Age % OR/ Amt,wise
0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%
12 50000 10.00% 1 2013 - To - 2015 3 High Yes N.A. 182050 0 182050 182050 0 100% 0%
15 100000 10.00% 4 2016 - To - 2019 4 High Yes N.A. 679489 0 679489 679489 0 100% 0%
19 100000 10.00% 8 2020 - To - 2022 3 Optional Yes N.A. 709528 0 709528 709528 0 100% 0%
22 500000 10.00% 11 2023 - To - 2025 3 High Yes N.A. 4721908 0 4721908 4721908 0 100% 0%
28 1500000 5.00% 17 2029 1 High Yes Yes 3438027 1719014 1719014 3438027 0 100% 0%
30 300000 6.00% 19 2031 1 High Yes Yes 907680 363072 544608 907680 0 100% 0%
Child Age 10638682 2082086 8556597 10638682 0 100% 0%
0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%
7 50000 6.00% 1 2013 - To - 2020 8 High Yes N.A. 524566 0 524566 524566 0 100% 0%
15 100000 6.00% 9 2021 - To - 2024 4 High Yes N.A. 739082 0 739082 739082 0 100% 0%
19 100000 10.00% 13 2025 - To - 2027 3 High Yes N.A. 1142702 0 1142702 1142702 0 100% 0%
22 500000 10.00% 16 2028 - To - 2030 3 High Yes N.A. 7604680 0 4854718 4854718 2749963 64% 36%
26 500000 6.00% 20 2032 1 High Yes Yes 1603568 801784 801784 1603568 0 100% 0%
0 0 0 High Yes N.A. 0 0 0 0 0 0% 0%
Your Age 11614598 801784 8062851 8864635 2749963 76% 24%
47 3500000 6.00% 8 2020 1 High Yes Yes 5578468 2789234 2789234 5578468 0 100% 0%
42 800000 6.00% 3 2015 1 Medium Yes Yes 952813 476406 476406 952813 0 100% 0%
45 70000 6.00% 6 2018 1 Medium Yes Yes 99296 0 99296 99296 0 100% 0%
48 55000 6.00% 9 2021 1 Medium Yes Yes 92921 0 92921 92921 0 100% 0%
44 80000 5.00% 5 2017 1 Medium Yes Yes 102103 0 102103 102103 0 100% 0%
56 250000 10000 17 2029 1 Optional Yes Yes 420000 0 420000 420000 0 100% 0%
Your Age 7245601 3265641 3979961 7245601 0 100% 0%
60 7224450 0 21 2033 1 High Yes 71115515 0 39555542 39555542 31559973 56% 44%
60 500000 6.00% 21 2033 1 High Yes 1699782 0 1699782 1699782 0 100% 0%
60 1000000 5.00% 21 2033 1 Medium Yes 2785963 0 2785963 2785963 0 100% 0%
60 1000000 5.00% 21 2033 1 Low Yes 2785963 0 2785963 2785963 0 100% 0%
60 1000000 6.00% 21 2033 1 Optional Yes 3399564 0 3399564 3399564 0 100% 0%
Your Age 81786786 50226812 50226812 31559973 61% 39%
57 3000000 6.00% 18 2030 1 Optional Yes Yes 8563017 0 0 0 8563017 0% 100%
77 5000000 21 2050 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100%
0 0 0 High Yes Yes 0 0 0 0 0 0% 0%
57 40000 5.00% 18 2030 - To - 2045 Every 3 Year Optional Yes Yes 859051 0 762786 762786 96265 89% 11%
62 250000 5.00% 21 2035 - To - 2055 Every 5 Year Optional Yes Yes 4595080 0 2998710 2998710 1596369 65% 35%
19017148 0 3761496 3761496 15255652 20% 80%
130302815 6149510 74587717 80737227 49565587 62% 38%
Futu
re F
inan
cial
G
oal
Future Dreams
Dream - Fund for - Farm House & Land
Dream - Fund for - Create Wealth for Family
Dream - Fund for - Domestic Long Tour
Dream - Fund for - Foreign Tour
Retirement Corpus & Provision
Funds to be required to provide regular expenses from Retirement year onwards.
Retirement Need Provision - Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision - Donation / Gift
Retirement Need Provision - Reserve Balance
Futu
re F
inan
cial
G
oal
Future Need
Need - Fund for - New Residential House
Need - Fund for - Motor Car
Need - Fund for - Bike for Kevin
Need - Fund for - Scooty for Sandhya
Need - Fund for - 2 Computer System
Need - Fund for - Home Appliances / Furniture
Goal Selection
Financial Goal ParticularsCh
ild F
utur
e Pl
anni
ng
Planning For-
Sandhya
Fund for -- Pre-Primary & Primary Education
Fund for -- Secondary & Higher Sec. Education
Fund for -- Graduation & Higher Education
Fund for -- Post Graduation & Master Degree
Fund for -- Marriage Expenses
After calculating with your actual cash flow
Planning For-Kevin
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
Fund for - Graduation & Higher Education
Fund for - Post Graduation & Master Degree
Fund for - For start in life
Fund for - Marriage Expenses
Retir
emen
t Pl
anni
ng
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 119
Sr. No. Year Amar Patel Sangita Patel Kevin Sandhya Self Income Spouse Income
Agriculture Income (if any)
Other Income Total Income Total Expenses
Surplus (Basic Cash
Flow)
Total Loan Repayment Amount Rs.
Loan Repayment For Future
Goal Amount Rs.
Net Surplus for Savings / Investment
Regular Investment
Commitment (Outflow)
Net Balance ( + / - )
@Each Year Ended
0 2012 39 36 11 6 206886 60000 50000 3750 320636 153619 167017 19500 147517 92053 554641 2013 40 37 12 7 623026 197773 165000 15000 1000799 496011 504789 72000 0 432789 284951 1478382 2014 41 38 13 8 622490 215513 181500 15000 1034504 533953 500551 54000 0 446551 304151 1424003 2015 42 39 14 9 623562 235038 199650 15000 1073249 574912 498337 154000 68790 275547 323351 -478044 2016 43 40 15 10 623489 256297 219615 15000 1114402 619137 495265 36000 68790 390474 337551 529235 2017 44 41 16 11 625755 280818 241577 15000 1163149 666898 496251 36000 68790 391461 343751 477106 2018 45 42 17 12 625405 307324 265734 15000 1213464 718490 494974 0 68790 426183 362951 632327 2019 46 43 18 13 625405 335927 292308 15000 1268640 774231 494409 0 68790 425618 382151 434678 2020 47 44 19 14 625405 366925 321538 115000 1428868 834467 594401 0 69747 524654 395245 1294099 2021 48 45 20 15 628495 401534 353692 0 1383721 899576 484145 0 69747 414398 393445 20953
10 2022 49 46 21 16 663598 466874 389061 0 1519533 969965 549568 0 69747 479821 410527 6929411 2023 50 47 22 17 663598 512160 427968 0 1603725 1046079 557646 0 69747 487899 429727 5817212 2024 51 48 23 18 663598 558232 470764 0 1692594 1128402 564193 0 69747 494445 448927 4551813 2025 52 49 24 19 663598 608905 517841 0 1790343 1217458 572885 0 69747 503138 461677 4146114 2026 53 50 25 20 663598 664649 569625 0 1897872 1313819 584053 0 69747 514305 480877 3342815 2027 54 51 26 21 663598 725959 626587 0 2016144 1418106 598038 0 69747 528291 498000 3029116 2028 55 52 27 22 663598 793404 689246 0 2146247 1530995 615253 0 69747 545506 517200 2830617 2029 56 53 28 23 663598 867595 758171 0 2289363 1653220 636143 0 69747 566396 536400 2999618 2030 57 54 29 24 663598 949120 833988 0 2446706 1785583 661123 0 69747 591375 555600 3577519 2031 58 55 30 25 663598 1028589 917386 0 2609572 1928954 680619 0 69747 610872 574800 3607220 2032 59 56 31 26 663598 1115994 1009125 0 2788717 2084280 704437 0 69747 634689 594000 4068921 2033 60 57 32 27 663598 1212143 1110037 0 2985778 2252595 733183 0 69747 663436 613200 5023622 2034 61 58 33 28 0 1317908 0 0 1317908 0 1317908 0 69747 1248161 0 124816123 2035 62 59 34 29 0 1434254 0 0 1434254 0 1434254 0 0 1434254 0 143425424 2036 63 60 35 30 0 1562224 0 0 1562224 0 1562224 0 0 1562224 0 156222425 2037 64 61 36 31 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 37 32 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 38 33 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 39 34 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 40 35 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 41 36 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 42 37 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 43 38 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 44 39 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 45 40 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 46 41 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 47 42 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 48 43 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 49 44 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 50 45 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 51 46 0 0 0 0 0 0 0 0 0 0 0 041 2053 80 77 52 47 0 0 0 0 0 0 0 0 0 0 0 042 2054 81 78 53 48 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 54 49 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 55 50 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 56 51 0 0 0 0 0 0 0 0 0 0 0 046 2058 85 82 57 52 0 0 0 0 0 0 0 0 0 0 0 047 2059 86 83 58 53 0 0 0 0 0 0 0 0 0 0 0 048 2060 87 84 59 54 0 0 0 0 0 0 0 0 0 0 0 049 2061 88 85 60 55 0 0 0 0 0 0 0 0 0 0 0 050 2062 89 86 61 56 0 0 0 0 0 0 0 0 0 0 0 0
Age :
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 120
Sr. No. Year Amar Patel Sangita Patel
0 2012 39 36 23205 0 23205 0 0 73862 73862 97067 0 970671 2013 40 37 55000 53000 0 0 108000 72910 0 72910 18750 0 0 18750 91660 0 0 108000 916602 2014 41 38 60500 56180 0 0 116680 59160 0 59160 0 0 260000 260000 319160 0 0 116680 3191603 2015 42 39 66550 59551 952813 476406 602507 48410 0 48410 0 77597 50000 127597 176007 0 0 602507 1760074 2016 43 40 146410 63124 0 0 209534 38058 0 38058 0 0 674955 674955 713013 0 0 209534 7130135 2017 44 41 161051 66911 102103 0 330065 1708 0 1708 0 0 48031 48031 49739 0 0 330065 497396 2018 45 42 177156 70926 99296 0 347378 0 0 0 18750 0 0 18750 18750 0 0 347378 187507 2019 46 43 194872 75182 0 0 270053 0 0 0 0 0 0 0 0 0 0 270053 08 2020 47 44 214359 79692 5578468 2789234 3083285 0 0 0 213667 0 0 213667 213667 0 0 3083285 2136679 2021 48 45 235795 168948 92921 0 497664 0 0 0 0 227187 117171 344357 344357 0 0 497664 344357
10 2022 49 46 259374 179085 0 0 438459 0 0 0 108500 0 0 108500 108500 0 0 438459 10850011 2023 50 47 1426558 189830 0 0 1616388 0 0 0 0 0 0 0 0 0 0 1616388 012 2024 51 48 1569214 201220 0 0 1770434 0 0 0 0 0 0 0 0 0 0 1770434 013 2025 52 49 1726136 345227 0 0 2071363 0 0 0 243125 0 0 243125 243125 0 0 2071363 24312514 2026 53 50 0 379750 0 0 379750 0 0 0 0 0 0 0 0 0 0 379750 015 2027 54 51 0 417725 0 0 417725 0 0 0 108500 0 0 108500 108500 0 0 417725 10850016 2028 55 52 0 2297486 0 0 2297486 0 0 0 0 0 0 0 0 0 0 2297486 017 2029 56 53 3438027 2527235 420000 1719014 4666249 0 0 0 0 0 0 0 0 0 0 4666249 018 2030 57 54 0 2779959 8659282 0 11439241 0 0 0 0 0 0 0 0 0 0 11439241 019 2031 58 55 907680 0 0 363072 544608 0 0 0 0 0 0 0 0 0 0 544608 020 2032 59 56 0 1603568 0 801784 801784 0 0 0 0 0 0 0 0 0 0 801784 021 2033 60 57 0 0 111439 0 111439 0 0 0 0 0 0 0 0 0 0 111439 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 11836649 15916649 11836649 1591664923 2035 62 59 0 0 767881 0 767881 0 0 0 0 0 0 0 0 1320672 0 2088553 024 2036 63 60 0 0 129004 0 129004 0 0 0 0 0 0 0 0 1487159 0 1616163 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 1665701 0 1665701 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 1857225 0 1857225 027 2039 66 63 0 0 149338 0 149338 0 0 0 0 0 0 0 0 2062740 0 2212078 028 2040 67 64 0 0 980032 0 980032 0 0 0 0 0 0 0 0 2283333 0 3263365 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 2520184 0 2520184 030 2042 69 66 0 0 172878 0 172878 0 0 0 0 0 0 0 0 2774571 0 2947449 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3047879 0 3047879 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3341609 0 3341609 033 2045 72 69 0 0 1450925 0 1450925 0 0 0 0 0 0 0 0 3657387 0 5108312 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 3996981 0 3996981 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 4362304 0 4362304 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 4755438 0 4755438 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5178639 0 5178639 038 2050 77 74 0 0 6596369 0 6596369 0 0 0 0 0 0 0 0 5634359 0 12230728 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6125262 0 6125262 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 6654243 0 6654243 041 2053 80 77 0 0 0 0 0 0 0 0 0 0 0 0 0 7224450 0 7224450 042 2054 81 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 043 2055 82 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 044 2056 83 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 045 2057 84 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Amount Of Future
Need / Dreams /
Retirement Need Etc.
Total Inflow throgh
Maturity Proceeds & Investment
Income, Retirement Fund Etc.
Regular Income from
Debt Investment (Other than
MF)
Mutual Fund Regular
Withdrawal (SWP)
Total Income / Maturity
Proceeds Amount from
Traditional Plan
Total Income / Maturity
Proceeds Amount from Unit Linked
Plan
Total Amount of Maturity
Proceeds from Postal
Schemes / Bonds - NCD /
FDR
Aggregate Amt. of Need & Fund
Child Future Planning -
Future Need for Kevin
Child Future Planning -
Future Need for Sandhya
Future Financial Need & Dream
Total Amount of Goal
Funding to be from Sale of
Assets & Future Loan -
Rs.
Net Amount to be required
from Financial
Investment Portfolio - Rs.
Income from InvestmentTotal inflow
through Interest / Sys.
Withdrawal from
Investment Account
Inflow through Maturity Proceeds. Investments Account
Total inflow through Maturity
proceeds of Investment
Account
Summary Data - For Child Future Need / Other Future Need &
Dreams / Retirement Needs &
Funds available through Maturity proceeds of Investment / Interest Income & Retirement
Benefit / PPF A/c. Etc.
Required Net Total Amount of Goal Funding (Other than Retirement Need)
Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on Investments. ( For Other than Retirement Need ) Retirement Need
Total Inflow - Investment Income & Maturity
Proceeds of Investment
Account
Total Amount - Post
Retirement Expenses &
Funding Need - Rs.
Retirement Benefit /
Investment Maturity
proceeds of Retirement
Account
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 121
Year Sr. No. upto
Retirement
Year Age
Opening Balance
( Investments in Direct
Equity & MF)( 1 )
C/F - Cash - Net Balance - From Earning
Cash Flow ( 2 )
Inflow of Maturity Amount
(See Annexure )
( 3 )
Net Flow During the
Year (4)
(2+3)
Available Balance for
Funding ( 5 )(1+4)
Fund Require for - Future Financial
Need / Goals( 6 )
Balance After Fundings
( 7 )( 5-6 )
Opening Balance of SIP A/c. at Each Year
( 8 )
Possible Goal fundings from
SIP Corpus( 9 )
( 8-7)
SIP Balance After
Fundings( 10 )( 8-9)
Outstanding / Shortfall of
Goal Amount( 11 )( 7-9)
Weighted Average Rate
of Return(12)
Return on Balance Amount
(13)( 7 x 12)
Closing Balance
( On Cash Basis)
(14)(7+13)
Possible Goal Achievement
(Financial Investment)
Amt. Rs.
Possible Goal Achievement
%wise
Shortfall in Goal Amt. Rs.
Shortfall in Goal %wise
Primary Cash Flow Shortfall
0 2012 39 2287330 0 97067 97067 2384397 250000 2134397 0 0 51582 0 0.00% 0 2134397 74587717 60% 49565587 40% 01 2013 40 2134397 55464 91660 147124 2281521 108000 2173521 51582 0 235659 0 11.51% 250212 2423733 108000 100% 0 0% 02 2014 41 2423733 147838 319160 466998 2890730 116680 2774050 235659 0 462349 0 11.51% 319344 3093394 116680 100% 0 0% 03 2015 42 3093394 142400 176007 318407 3411802 602507 2809294 462349 0 738501 0 11.51% 323401 3132696 602507 100% 0 0% 04 2016 43 3132696 -47804 713013 665209 3797904 209534 3588371 738501 0 1072066 0 11.82% 424171 4012542 209534 100% 0 0% 05 2017 44 4012542 52923 49739 102663 4115204 330065 3785140 1072066 0 1472275 0 11.82% 447431 4232570 330065 100% 0 0% 06 2018 45 4232570 47710 18750 66460 4299030 347378 3951651 1472275 0 1949841 0 11.82% 467114 4418765 347378 100% 0 0% 07 2019 46 4418765 63232 0 63232 4481997 270053 4211944 1949841 0 2517199 0 11.82% 497882 4709826 270053 100% 0 0% 08 2020 47 4709826 43467 213667 257134 4966960 3083285 1883675 2517199 0 3188783 0 12.00% 226041 2109715 3083285 100% 0 0% 09 2021 48 2109715 129409 344357 473766 2583481 497664 2085817 3188783 0 3981348 0 12.00% 250298 2336116 497664 100% 0 0% 0
10 2022 49 2336116 20953 108500 129453 2465569 438459 2027110 3981348 0 4914342 0 12.00% 243253 2270363 438459 100% 0 0% 011 2023 50 2270363 69294 0 69294 2339657 1616388 723268 4914342 0 6010341 0 12.00% 86792 810061 1616388 100% 0 0% 012 2024 51 810061 58172 0 58172 868233 1770434 -902201 6010341 902201 6248314 0 12.00% 0 0 1770434 100% 0 0% 013 2025 52 0 45518 243125 288643 288643 2071363 -1782719 6248314 1782719 5515498 0 12.00% 0 0 2071363 100% 0 0% 014 2026 53 0 41461 0 41461 41461 379750 -338289 5515498 338289 6354528 0 12.00% 0 0 379750 100% 0 0% 015 2027 54 0 33428 108500 141928 141928 417725 -275796 6354528 275796 7413996 0 12.00% 0 0 417725 100% 0 0% 016 2028 55 0 30291 0 30291 30291 2297486 -2267196 7413996 2267196 6345273 0 12.00% 0 0 2297486 100% 0 0% 017 2029 56 0 28306 0 28306 28306 4666249 -4637943 6345273 4637943 2365914 0 12.00% 0 0 4666249 100% 0 0% 018 2030 57 0 29996 0 29996 29996 11439241 -11409245 2365914 0 3143390 11409245 12.00% 0 0 29996 0% 11409245 100% 019 2031 58 0 429103 0 429103 429103 544608 -115505 3143390 115505 3924796 0 12.00% 0 0 544608 100% 0 0% 020 2032 59 0 356785 0 356785 356785 801784 -444999 3924796 444999 4462377 0 12.00% 0 0 801784 100% 0 0% 021 2033 60 0 40689 0 40689 40689 111439 -70749 4462377 70749 5533810 0 12.00% 0 0 111439 100% 0 0% 022 2034 61 0 50236 15916649 15966885 15966885 11836649 4130236 16276449 0 16276449 0 7.00% 1428468 21835153 11836649 100% 0 0% 00 2035 62 21835153 1248161 0 1248161 23083314 2088553 20994761 0 0 0 0 7.00% 1469633 22464394 2088553 100% 0 0% 00 2036 63 22464394 1434254 0 1434254 23898648 1616163 22282485 0 0 0 0 7.00% 1559774 23842259 1616163 100% 0 0% 00 2037 64 23842259 1562224 0 1562224 25404483 1665701 23738783 0 0 0 0 7.00% 1661715 25400497 1665701 100% 0 0% 00 2038 65 25400497 0 0 0 25400497 1857225 23543272 0 0 0 0 7.00% 1648029 25191301 1857225 100% 0 0% 00 2039 66 25191301 0 0 0 25191301 2212078 22979223 0 0 0 0 7.00% 1608546 24587769 2212078 100% 0 0% 00 2040 67 24587769 0 0 0 24587769 3263365 21324403 0 0 0 0 7.00% 1492708 22817112 3263365 100% 0 0% 00 2041 68 22817112 0 0 0 22817112 2520184 20296928 0 0 0 0 7.00% 1420785 21717713 2520184 100% 0 0% 00 2042 69 21717713 0 0 0 21717713 2947449 18770264 0 0 0 0 7.00% 1313918 20084182 2947449 100% 0 0% 00 2043 70 20084182 0 0 0 20084182 3047879 17036303 0 0 0 0 7.00% 1192541 18228844 3047879 100% 0 0% 00 2044 71 18228844 0 0 0 18228844 3341609 14887236 0 0 0 0 7.00% 1042106 15929342 3341609 100% 0 0% 00 2045 72 15929342 0 0 0 15929342 5108312 10821030 0 0 0 0 7.00% 757472 11578502 5108312 100% 0 0% 00 2046 73 11578502 0 0 0 11578502 3996981 7581522 0 0 0 0 7.00% 530707 8112228 3996981 100% 0 0% 00 2047 74 8112228 0 0 0 8112228 4362304 3749924 0 0 0 0 7.00% 262495 4012418 4362304 100% 0 0% 00 2048 75 4012418 0 0 0 4012418 4755438 -743020 0 0 0 743020 7.00% 0 0 4012418 84% 743020 16% 00 2049 76 0 0 0 0 0 5178639 -5178639 0 0 0 5178639 7.00% 0 0 0 0% 5178639 100% 00 2050 77 0 0 0 0 0 12230728 -12230728 0 0 0 12230728 7.00% 0 0 0 0% 12230728 100% 00 2051 78 0 0 0 0 0 6125262 -6125262 0 0 0 6125262 7.00% 0 0 0 0% 6125262 100% 00 2052 79 0 0 0 0 0 6654243 -6654243 0 0 0 6654243 7.00% 0 0 0 0% 6654243 100% 00 2053 80 0 0 0 0 0 7224450 -7224450 0 0 0 7224450 7.00% 0 0 0 0% 7224450 100% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
Financial Investment Portfolio Cash Flow with Goal Mapping Year Wise Goal Gap / Shortfall AnalysisLumpsum - Financial Investment + Retirement Portfolio SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing Balance
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 122
Required Goal Amount Rs.
Required Lumpsum
Investment
Required Amount Rs.
Required Lumpsum
Investment
Required Goal Amount Rs.
Required Lumpsum
Investment
Required Monthly
Investment
Required Amount Rs.
Required Lumpsum
Investment
Required Monthly
Investment
Required Goal Amount Rs.
Required Lumpsum
Investment
Required Regular
Investment
Required Amount Rs.
Required Lumpsum
Investment
Required Regular
InvestmentMonthly Monthly
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
50000 1 / 3 182050 155624 0 0 0 0 0 0 0 0 0 0 0 0 0 0
100000 4 / 4 0 0 0 0 679489 420627 8990 0 0 0 0 0 0 0 0 0
100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0
500000 11 / 3 0 0 0 0 0 0 0 0 0 0 4721908 1208465 12493 0 0 0
1500000 17 / 1 0 0 0 0 0 0 0 0 0 0 3438027 500729 3657 0 0 0
300000 19 / 1 0 0 0 0 0 0 0 0 0 0 907680 105388 701 0 0 0
182050 155624 0 0 679489 420627 8990 0 0 0 9777143 2069700 20249 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
50000 1 / 8 168731 144513 0 0 276143 171624 3668 0 0 0 79692 32186 429 0 0 0
100000 9 / 4 0 0 0 0 0 0 0 0 0 0 739082 224804 2724 0 0 0
100000 13 / 3 0 0 0 0 0 0 0 0 0 0 1142702 233138 2113 0 0 0
500000 16 / 3 0 0 0 0 0 0 0 0 0 0 7604680 1104352 8476 2749963 357604 2490
500000 20 / 1 0 0 0 0 0 0 0 0 0 0 1603568 166237 1058 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
168731 144513 0 0 276143 171624 3668 0 0 0 11169724 1760718 14800 2749963 357604 2490
3500000 8 / 1 0 0 0 0 0 0 0 0 0 0 5578468 2253050 30002 0 0 0
800000 3 / 1 952813 756374 0 0 0 0 0 0 0 0 0 0 0 0 0 0
70000 6 / 1 0 0 0 0 99296 59207 848 0 0 0 0 0 0 0 0 0
55000 9 / 1 0 0 0 0 0 0 0 0 0 0 92921 33508 406 0 0 0
80000 5 / 1 0 0 0 0 102103 66360 1138 0 0 0 0 0 0 0 0 0
250000 17 / 1 0 0 0 0 0 0 0 0 0 0 420000 61171 447 0 0 0
952813 756374 0 0 201399 125567 1986 0 0 0 6091390 2347729 30855 0 0 0
7224450 21 / 1 0 0 0 0 0 0 0 0 0 0 71115515 2716122 25362 31559973 824703 7701
500000 21 / 1 0 0 0 0 0 0 0 0 0 0 1699782 140474 1312 0 0 0
1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0
1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 2785963 230239 2150 0 0 0
1000000 21 / 1 0 0 0 0 0 0 0 0 0 0 3399564 280948 2623 0 0 0
0 0 0 0 0 0 0 0 0 0 81786786 3598023 33596 31559973 824703 7701
3000000 18 / 1 0 0 0 0 0 0 0 0 0 0 8563017 1113531 7755 8563017 1113531 7755
5000000 21 / 1 0 0 0 0 0 0 0 0 0 0 5000000 139969 818 5000000 139969 818
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40000 18 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 859051 57117 398 96265 12518 87
250000 21 / Every 5 Year 0 0 0 0 0 0 0 0 0 0 4595080 207075 1210 1596369 44689 261
0 0 0 0 0 0 0 0 0 0 19017148 1517693 10180 15255652 1310707 8921
1303594 1056511 0 0 1157030 717817 14645 0 0 0 127842191 11293862 109680 49565587 2493014 19112
Future Dreams
Farm House & Land
Create Wealth for Family
0
Domestic Long Tour
Foreign Tour
Retirement Corpus & Provision
Funds to be required to provide regular expenses from Retirement year onwards.
Medical Expenses
Tour - Yatra
Donation / Gift
Reserve Balance
Future Need
New Residential House
Motor Car
Bike for Kevin
Scooty for Sandhya
2 Computer System
Home Appliances / Furniture
Marriage Expenses
Planning For-
Sandhya
0
Pre-Primary & Primary Education
Secondary & Higher Sec. Education
Graduation & Higher Education
Post Graduation & Master Degree
Marriage Expenses
0
For Full Goal Amount For Shortfall
Planning For-Kevin
0
Pre-Primary & Primary Education
Secondary & Higher Sec. Education
Graduation & Higher Education
Post Graduation & Master Degree
For start in life
Selected Financial GoalPresent Cost of Goal OR Target Goal Amount
Today onwards - available years
for Regular Investment
& Funds
requirement for No. of Years
For Short Term Need - Next 3 Years -Investment required @ 8%
For Medium Term Need -4 to 7 Years - Investment required @9% For Long Term Need -8 to 22 Years - Investment required @12% & 23 years onwards - Post Retirement @7%
For Full Goal Amount For Shortfall For Full Goal Amount For Shortfall
Financial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 123
0% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
0% 0%
100% 0%
100% 0%
100% 0%
64% 36%
100% 0%
0% 0%
76% 24%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
56% 44%
100% 0%
100% 0%
100% 0%
100% 0%
61% 39%
0% 100%
0% 100%
0% 0%
89% 11%
65% 35%
20% 80%
62% 38%
Retir
emen
t Pl
anni
ng Retirement Corpus & Provision
Funds to be required to provide regular expenses from Retirement year onwards.
Retirement Need Provision - Medical Expenses
Retirement Need Provision - Tour - Yatra
Retirement Need Provision - Donation / Gift
Retirement Need Provision - Reserve Balance
Aggregate :
Futu
re F
inan
cial
G
oal Future
Dreams
Dream - Fund for - Farm House & Land
Dream - Fund for - Create Wealth for Family
Dream - Fund for - Domestic Long Tour
Dream - Fund for - Foreign Tour
Futu
re F
inan
cial
G
oal Future
Need
Need - Fund for - New Residential House
Need - Fund for - Motor Car
Need - Fund for - Bike for Kevin
Need - Fund for - Scooty for Sandhya
Need - Fund for - 2 Computer System
Need - Fund for - Home Appliances / Furniture
Financial Goal Particulars Possible Goal Achievement
%wise
Shortfall in Goal %wise Financial Goal Gap Analysis
Child
Fut
ure
Plan
ning
Planning For-Kevin
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
Fund for - Graduation & Higher Education
Fund for - Post Graduation & Master Degree
Fund for - For start in life
Fund for - Marriage Expenses
Planning For-
Sandhya
Fund for -- Pre-Primary & Primary Education
Fund for -- Secondary & Higher Sec. Education
Fund for -- Graduation & Higher Education
Fund for -- Post Graduation & Master Degree
Fund for -- Marriage Expenses
0
1000000
2000000
3000000
4000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0%
20%
40%
60%
80%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
0
1000000
2000000
3000000
4000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0%
20%
40%
60%
80%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
0
2000000
4000000
6000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0%20%40%60%80%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
05000000
1000000015000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
-5000000
0
5000000
10000000
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds Funds to be required
0%
50%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
0%
50%
100%
2013
2015
2017
2019
2021
2023
2025
2027
2029
2031
2033
2035
2037
2039
2041
2043
2045
2047
2049
2051
2053
Funds to be available Shortfall in Funds
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 124
1080
00
1166
80 6025
07
2095
34
3300
65
3473
78
2700
53
3083
285
4976
64
4384
59
1616
388
1770
434
2071
363
3797
50
4177
25
2297
486
4666
249
1143
9241
5446
08
8017
84
1114
39
1183
6649
2088
553
1616
163
1665
701
1857
225
2212
078 32
6336
5
2520
184
2947
449
3047
879
3341
609
5108
312
3996
981
4362
304
4755
438
5178
639
1223
0728
6125
262
6654
243
7224
450
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
Yearwise Amountwise Goal Gap Analysis
Shortfall in Funds
Funds to be available
Funds to be required
0%10%20%30%40%50%60%70%80%90%
100%
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
Yearwise %wise Goal Gap Analysis
Shortfall in Funds
Funds to be available
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 125
Sr. No. Year Amar Patel Sangita Patel
Self Employed / Personal Income
Spouse Income
Agriculture Income etc.
House Rent Income
Other Income
Other Income
Other Income
Interest on Loan /
Principal - from
Friends/ Relatives
Personal Expenses
Housing Expenses
Food Expenses
Living Expenses
Health Expenses
Entertainment Expenses
Total Expenses
0 2012 39 36 206886 60000 50000 0 0 0 0 3750 20520 27552 34467 34380 17467 19233 1536191 2013 40 37 623026 197773 165000 0 0 0 0 15000 65254 87615 111672 110360 57640 63470 4960112 2014 41 38 622490 215513 181500 0 0 0 0 15000 69169 92872 120606 118085 63404 69817 5339533 2015 42 39 623562 235038 199650 0 0 0 0 15000 73319 98445 130254 126351 69744 76799 5749124 2016 43 40 623489 256297 219615 0 0 0 0 15000 77718 104351 140675 135196 76719 84479 6191375 2017 44 41 625755 280818 241577 0 0 0 0 15000 82381 110612 151929 144659 84391 92926 6668986 2018 45 42 625405 307324 265734 0 0 0 0 15000 87324 117249 164083 154785 92830 102219 7184907 2019 46 43 625405 335927 292308 0 0 0 0 15000 92563 124284 177209 165620 102113 112441 7742318 2020 47 44 625405 366925 321538 0 0 0 0 115000 98117 131741 191386 177214 112324 123685 8344679 2021 48 45 628495 401534 353692 0 0 0 0 0 104004 139646 206697 189619 123556 136054 899576
10 2022 49 46 663598 466874 389061 0 0 0 0 0 110245 148024 223233 202892 135912 149659 96996511 2023 50 47 663598 512160 427968 0 0 0 0 0 116859 156906 241091 217094 149503 164625 104607912 2024 51 48 663598 558232 470764 0 0 0 0 0 123871 166320 260379 232291 164454 181087 112840213 2025 52 49 663598 608905 517841 0 0 0 0 0 131303 176299 281209 248551 180899 199196 121745814 2026 53 50 663598 664649 569625 0 0 0 0 0 139181 186877 303706 265950 198989 219116 131381915 2027 54 51 663598 725959 626587 0 0 0 0 0 147532 198090 328002 284567 218888 241027 141810616 2028 55 52 663598 793404 689246 0 0 0 0 0 156384 209975 354242 304486 240777 265130 153099517 2029 56 53 663598 867595 758171 0 0 0 0 0 165767 222574 382582 325800 264854 291643 165322018 2030 57 54 663598 949120 833988 0 0 0 0 0 175713 235928 413188 348606 291340 320807 178558319 2031 58 55 663598 1028589 917386 0 0 0 0 0 186256 250084 446243 373009 320474 352888 192895420 2032 59 56 663598 1115994 1009125 0 0 0 0 0 197431 265089 481943 399119 352521 388177 208428021 2033 60 57 663598 1212143 1110037 0 0 0 0 0 209277 280994 520498 427058 387773 426994 225259522 2034 61 58 0 1317908 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 1434254 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 1562224 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
(Proposed) -Today - onwards - Cash - Inflow & Outflow with Investment Cash Flow & AnnexuresAge : Main Income Other Income Regular Expenses - Outflow
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 126
Sr. No. Year Amar Patel
Sangita Patel
Post Office Reccuring
Deposit
Traditional Life
Insurance Plan
Traditional Pension
Plan
Unit Linked Life
Insurance Plan
Unit Linked Pension
Plan
Mutual Fund SIP
Investment
Total Investment
Outflow
Regular Investment
in PPF
Mutual Fund SIP
Investment
Total Investment
for Retirement
EPF Contribution
(Self)
EPF Contribution
(Spouse)
0 2012 39 36 3500 2553 0 0 10000 50000 66053 6000 20000 26000 92053 25920 01 2013 40 37 6000 9301 6450 0 10000 162000 193751 24000 67200 91200 284951 77760 02 2014 41 38 6000 9301 6450 0 10000 174000 205751 24000 74400 98400 304151 77760 03 2015 42 39 6000 9301 6450 0 10000 186000 217751 24000 81600 105600 323351 77760 04 2016 43 40 3000 9301 6450 0 10000 198000 226751 22000 88800 110800 337551 77760 05 2017 44 41 0 9301 6450 0 10000 210000 235751 12000 96000 108000 343751 77760 06 2018 45 42 0 9301 6450 0 10000 222000 247751 12000 103200 115200 362951 77760 07 2019 46 43 0 9301 6450 0 10000 234000 259751 12000 110400 122400 382151 77760 08 2020 47 44 0 4195 6450 0 10000 246000 266645 11000 117600 128600 395245 77760 09 2021 48 45 0 4195 6450 0 0 258000 268645 0 124800 124800 393445 77760 0
10 2022 49 46 0 2077 6450 0 0 270000 278527 0 132000 132000 410527 77760 011 2023 50 47 0 2077 6450 0 0 282000 290527 0 139200 139200 429727 77760 012 2024 51 48 0 2077 6450 0 0 294000 302527 0 146400 146400 448927 77760 013 2025 52 49 0 2077 0 0 0 306000 308077 0 153600 153600 461677 77760 014 2026 53 50 0 2077 0 0 0 318000 320077 0 160800 160800 480877 77760 015 2027 54 51 0 0 0 0 0 330000 330000 0 168000 168000 498000 77760 016 2028 55 52 0 0 0 0 0 342000 342000 0 175200 175200 517200 77760 017 2029 56 53 0 0 0 0 0 354000 354000 0 182400 182400 536400 77760 018 2030 57 54 0 0 0 0 0 366000 366000 0 189600 189600 555600 77760 019 2031 58 55 0 0 0 0 0 378000 378000 0 196800 196800 574800 77760 020 2032 59 56 0 0 0 0 0 390000 390000 0 204000 204000 594000 77760 021 2033 60 57 0 0 0 0 0 402000 402000 0 211200 211200 613200 77760 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0
Age : Regular Investment Outflow Investment For Retirement Needs Total
Investment Commitment
(Outflow)
Self / Employer Contribution
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 127
Fixed Assets - For
Personal use only
Fixed Assets - For
Personal use only
Others Loan Others Loan
Immovable Properties
Movable Properties
Liabilities of Payment
Liabilities of Payment
Residential Building /
Flat
Two Wheelers
Loan from Friends-1
Loan from Friends-1-
Interest Payment
Sr. No. Year Amar Patel
Sangita Patel
0 2012 39 36 9000 6000 0 4500 0 0 0 0 0 0 0 0 0 0 195001 2013 40 37 36000 18000 0 18000 0 0 0 0 0 0 0 0 0 0 720002 2014 41 38 36000 0 0 18000 0 0 0 0 0 0 0 0 0 0 540003 2015 42 39 36000 0 100000 18000 0 0 0 0 0 0 0 0 0 0 1540004 2016 43 40 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 360005 2017 44 41 36000 0 0 0 0 0 0 0 0 0 0 0 0 0 360006 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Assets - Purpose of use
Total Loan Payment Liabilites
Property Types
Loan on Assets
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 128
Sr. No. Year Amar Patel
Sangita Patel
HDFC MID-CAP
OPPORTUNITIES FUND -
Growth Option
HDFC Equity Fund - Growth Option 0 0 0 0 0 0 0 0
ICICI Prudential Tax Plan-Growth Option
Birla Sun Life MIP II - Wealth 25
Plan-Plan B (Growth)
0 0 0
0 2012 39 36 22000 28000 0 0 0 0 0 0 0 0 12000 8000 0 0 01 2013 40 37 72000 90000 0 0 0 0 0 0 0 0 42000 25200 0 0 02 2014 41 38 78000 96000 0 0 0 0 0 0 0 0 48000 26400 0 0 03 2015 42 39 84000 102000 0 0 0 0 0 0 0 0 54000 27600 0 0 04 2016 43 40 90000 108000 0 0 0 0 0 0 0 0 60000 28800 0 0 05 2017 44 41 96000 114000 0 0 0 0 0 0 0 0 66000 30000 0 0 06 2018 45 42 102000 120000 0 0 0 0 0 0 0 0 72000 31200 0 0 07 2019 46 43 108000 126000 0 0 0 0 0 0 0 0 78000 32400 0 0 08 2020 47 44 114000 132000 0 0 0 0 0 0 0 0 84000 33600 0 0 09 2021 48 45 120000 138000 0 0 0 0 0 0 0 0 90000 34800 0 0 0
10 2022 49 46 126000 144000 0 0 0 0 0 0 0 0 96000 36000 0 0 011 2023 50 47 132000 150000 0 0 0 0 0 0 0 0 102000 37200 0 0 012 2024 51 48 138000 156000 0 0 0 0 0 0 0 0 108000 38400 0 0 013 2025 52 49 144000 162000 0 0 0 0 0 0 0 0 114000 39600 0 0 014 2026 53 50 150000 168000 0 0 0 0 0 0 0 0 120000 40800 0 0 015 2027 54 51 156000 174000 0 0 0 0 0 0 0 0 126000 42000 0 0 016 2028 55 52 162000 180000 0 0 0 0 0 0 0 0 132000 43200 0 0 017 2029 56 53 168000 186000 0 0 0 0 0 0 0 0 138000 44400 0 0 018 2030 57 54 174000 192000 0 0 0 0 0 0 0 0 144000 45600 0 0 019 2031 58 55 180000 198000 0 0 0 0 0 0 0 0 150000 46800 0 0 020 2032 59 56 186000 204000 0 0 0 0 0 0 0 0 156000 48000 0 0 021 2033 60 57 192000 210000 0 0 0 0 0 0 0 0 162000 49200 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investment through SIP - For Need other than Retirement Investment through SIP - For Retirement Need Only
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 129
Sr. No. Year Amar Patel Sangita Patel
0 2012 39 36 23205 0 23205 0 0 73862 73862 0 970671 2013 40 37 72910 0 72910 18750 0 0 18750 0 916602 2014 41 38 59160 0 59160 0 0 260000 260000 0 3191603 2015 42 39 48410 0 48410 0 77597 50000 127597 0 1760074 2016 43 40 38058 0 38058 0 0 674955 674955 0 7130135 2017 44 41 1708 0 1708 0 0 48031 48031 0 497396 2018 45 42 0 0 0 18750 0 0 18750 0 187507 2019 46 43 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 213667 0 0 213667 0 2136679 2021 48 45 0 0 0 0 227187 117171 344357 0 344357
10 2022 49 46 0 0 0 108500 0 0 108500 0 10850011 2023 50 47 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 243125 0 0 243125 0 24312514 2026 53 50 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 108500 0 0 108500 0 10850016 2028 55 52 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 15916649 1591664923 2035 62 59 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0
Su
mm
ary
-In
com
e fr
om
Inve
stm
ent
& M
atu
rity
Ben
efit
C
ash
Flo
w
Retirement Benefit /
Investment Maturity
proceeds of Retirement
Account
Total Inflow throgh
Maturity Proceeds & Investment
Income, Retirement Fund Etc.
Total Amount of
Maturity Proceeds
from Postal Schemes /
Bonds - NCD / FDR
Total Income / Maturity Proceeds Amount
from Unit Linked Plan
Income from InvestmentTotal inflow
through Interest /
Sys. Withdrawal
from Investment
Account
Inflow through Maturity Proceeds. Investments Account
Total inflow through Maturity
proceeds of Investment
Account
Age : Regular Income from
Debt Investment (Other than
MF)
Mutual Fund Regular
Withdrawal (SWP)
Total Income / Maturity Proceeds Amount
from Traditional
Plan
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 130
Sr. No. Year Amar Patel Sangita Patel
Regular Prem.-
Traditional Life
Insurance Plan -
Maturity
Single Prem.-Traditional
Life Insurance
Plan -Maturity
Reg. Premium Policy - Survival Benefit
Single Premium Policy - Survival Benefit
Regular Prem.-
Traditional Pension
Plan -Maturity
Single Prem.- Traditional
Pension Plan -
Maturity
Ulip-Regular Premium -Maturity
Ulip-Single Premium
ULPP-Regular
Premium
ULPP-Single Premium
0 2012 39 36 0 0 0 0 0 0 0 0 0 0 0 0 738621 2013 40 37 0 0 18750 0 0 0 18750 0 0 0 0 0 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 0 0 2600003 2015 42 39 0 0 0 0 0 0 0 0 0 0 77597 77597 500004 2016 43 40 0 0 0 0 0 0 0 0 0 0 0 0 6749555 2017 44 41 0 0 0 0 0 0 0 0 0 0 0 0 480316 2018 45 42 0 0 18750 0 0 0 18750 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 213667 0 0 0 0 0 213667 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 227187 0 0 227187 117171
10 2022 49 46 108500 0 0 0 0 0 108500 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 243125 0 0 0 0 243125 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 108500 0 0 0 0 0 108500 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Income / Maturity Proceeds Amount
from Unit Linked Plan
Total Amount of Maturity
Proceeds from Postal
Schemes / Bonds - NCD /
FDR
Age : Regular Income / Maturity Proceeds - Traditional Life Insurance Plan
Traditional Pension Plan Maturity Total Income
/ Maturity Proceeds Amount
from Traditional
Plan
Unit Linked Life Insurance / Pension Plan Maturity Proceeds
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 131
Sr. No. Year Amar Patel Sangita Patel
Post Office Monthly Income Scheme
Senior Citizen Savings Scheme
Income -Govt. / Pvt. Co. -Bond /
NCD
Income - Company
FDs
Post Office Reccuring
Deposit
Post Office Monthly Scheme
Senior Citizen Savings Scheme
Income -Govt. / Pvt. Co. -Bond /
NCD
Income - Company
FDs
Postal - Time
Deposit
National Savings
Certificate
Kisan Vikas Patra
Growth -Govt. / Pvt. Co. -Bond /
NCD
Growth - Company
FDsBank_FDR
0 2012 39 36 7125 3375 7300 5405 73862 0 0 0 0 0 0 0 0 0 01 2013 40 37 28500 13500 20100 10810 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 28500 13500 6350 10810 0 110000 0 150000 0 0 0 0 0 0 03 2015 42 39 20500 13500 3600 10810 0 0 50000 0 0 0 0 0 0 0 04 2016 43 40 20500 6750 2700 8108 36931 250000 100000 40000 100000 0 0 0 0 0 1480245 2017 44 41 1708 0 0 0 0 0 0 0 0 0 48031 0 0 0 06 2018 45 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 117171 0 0 0 0
10 2022 49 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 0 0 0 0 0 0 0 0 0 0 0 0 0 0 023 2035 62 59 0 0 0 0 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Age : Regular Income from Investment Maturity Proceeds of Investments - Post Office Schemes / Bonds / NCD / Company FDR / Bank FDR
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 132
Sr. No. Year Amar Patel Sangita Patel EPF EPS Gratuity Any Others EPF EPS Gratuity Any Others
0 2012 39 36 0 0 0 0 0 0 0 0 0 0 01 2013 40 37 0 0 0 0 0 0 0 0 0 0 02 2014 41 38 0 0 0 0 0 0 0 0 0 0 03 2015 42 39 0 0 0 0 0 0 0 0 0 0 04 2016 43 40 0 0 0 0 0 0 0 0 0 0 05 2017 44 41 0 0 0 0 0 0 0 0 0 0 06 2018 45 42 0 0 0 0 0 0 0 0 0 0 07 2019 46 43 0 0 0 0 0 0 0 0 0 0 08 2020 47 44 0 0 0 0 0 0 0 0 0 0 09 2021 48 45 0 0 0 0 0 0 0 0 0 0 0
10 2022 49 46 0 0 0 0 0 0 0 0 0 0 011 2023 50 47 0 0 0 0 0 0 0 0 0 0 012 2024 51 48 0 0 0 0 0 0 0 0 0 0 013 2025 52 49 0 0 0 0 0 0 0 0 0 0 014 2026 53 50 0 0 0 0 0 0 0 0 0 0 015 2027 54 51 0 0 0 0 0 0 0 0 0 0 016 2028 55 52 0 0 0 0 0 0 0 0 0 0 017 2029 56 53 0 0 0 0 0 0 0 0 0 0 018 2030 57 54 0 0 0 0 0 0 0 0 0 0 019 2031 58 55 0 0 0 0 0 0 0 0 0 0 020 2032 59 56 0 0 0 0 0 0 0 0 0 0 021 2033 60 57 0 0 0 0 0 0 0 0 0 0 022 2034 61 58 6074375 233611 904327 7212313 0 0 0 0 1139315 7565021 1591664923 2035 62 59 0 0 0 0 0 0 0 0 0 0 024 2036 63 60 0 0 0 0 0 0 0 0 0 0 025 2037 64 61 0 0 0 0 0 0 0 0 0 0 026 2038 65 62 0 0 0 0 0 0 0 0 0 0 027 2039 66 63 0 0 0 0 0 0 0 0 0 0 028 2040 67 64 0 0 0 0 0 0 0 0 0 0 029 2041 68 65 0 0 0 0 0 0 0 0 0 0 030 2042 69 66 0 0 0 0 0 0 0 0 0 0 031 2043 70 67 0 0 0 0 0 0 0 0 0 0 032 2044 71 68 0 0 0 0 0 0 0 0 0 0 033 2045 72 69 0 0 0 0 0 0 0 0 0 0 034 2046 73 70 0 0 0 0 0 0 0 0 0 0 035 2047 74 71 0 0 0 0 0 0 0 0 0 0 036 2048 75 72 0 0 0 0 0 0 0 0 037 2049 76 73 0 0 0 0 0 0 0 0 038 2050 77 74 0 0 0 0 0 0 0 0 039 2051 78 75 0 0 0 0 0 0 0 0 040 2052 79 76 0 0 0 0 0 0 0 0 0
PPF Maturity ( Re -
invested if mature earlier)
Mutual Fund SIP ( Value
at Retirement)
Total Fund Available at Retirement
(From Regular Investments)
Age : Maturity Proceeds of Retirement Fund - (Self)Total
Retirement Benefit (Self)
Maturity Proceeds of Retirement Fund - (Spouse)Total
Retirement Benefit
(Spouse)
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 133
Asset Class Sum of Current Fund Value Rs. Asset Class Sum of Current Fund Value
Rs. - %wiseDebt 11424 Debt 0.72%Equity 1547556 Equity 97.27%Hybrid 31980 Hybrid 2.01%Grand Total 1590960 Grand Total 100.00%
Sum of Current Fund Value Rs. Asset Class Scheme Type Sum of Current Fund Value
Rs. - %wiseScheme Type Debt Equity Hybrid Grand Total Open Ended 100.00%Open Ended 11424 1547556 31980 1590960 Grand Total 100.00%Grand Total 11424 1547556 31980 1590960
Sum of Current Fund Value Rs. Asset Class
Fund House Debt Equity Hybrid Grand TotalBirla 11424 8425 31980 51829Canara 256848 256848DSP 144093 144093HDFC 872118 872118
ICICI 221368 221368 Fund House Sum of Current Fund Value Rs. - %wise
Reliance 44704 44704 Birla 3.26%Grand Total 11424 1547556 31980 1590960 Canara 16.14%
DSP 9.06%HDFC 54.82%ICICI 13.91%Reliance 2.81%Grand Total 100.00%
Existing - Mutual Fund Portfolio Analysis
0.72%
97.27%
2.01%0.00%
100.00%
Debt Equity Hybrid
Current MF -Asset Allocation
Asset Class
Sum of Current Fund Value Rs. - %wise
Birla, 3.26%Canara, 16.14%DSP, 9.06%
HDFC, 54.82%
ICICI, 13.91%
Reliance, 2.81%
Other, 16.72%
AMC wise AllocationSum of Current Fund Value Rs. - %wise
100.00%
Scheme Type
Open EndedScheme Type
Sum of Current Fund Value Rs. - %wise
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 134
Asset Class Fund Category Fund Sub-Category Fund House Sum of Current Fund Value Rs. Sum of Current Fund Value Rs. - %wise
Sum of Existing SIP /SWP Amount Rs.
Debt Debt -Liquid Liquid Birla 11424 0.72% 0Liquid Total 11424 0.72% 0
Debt -Liquid Total 11424 0.72% 0Debt Sum 11424 0.72% 0
Equity Equity Diversified Large & Mid Cap Canara 256848 16.14% 0Large & Mid Cap Total 256848 16.14% 0
Mid & Small Cap HDFC 239531 15.06% 5000Mid & Small Cap Total 239531 15.06% 5000
Multi Cap HDFC 134284 8.44% 7000Multi Cap Total 134284 8.44% 7000
Tax Planning Birla 8425 0.53% 0DSP 28733 1.81% 0HDFC 498302 31.32% 0ICICI 221368 13.91% 3000
Tax Planning Total 756828 47.57% 3000Equity Diversified Total 1387492 87.21% 15000
Equity Sectoral Banking Reliance 31310 1.97% 0Banking Total 31310 1.97% 0
Pharma Reliance 13394 0.84% 0Pharma Total 13394 0.84% 0
Equity Sectoral Total 44704 2.81% 0Equity -Thematic & Others Infrastructure DSP 115360 7.25% 0
Infrastructure Total 115360 7.25% 0
Equity -Thematic & Others Total 115360 7.25% 0
Equity Sum 1547556 97.27% 15000Hybrid Balanced Equity-oriented Birla 14804 0.93% 0
Equity-oriented Total 14804 0.93% 0Balanced Total 14804 0.93% 0
Debt Oriented -MIP & Asset Allo. Debt-oriented Aggressive Birla 17176 1.08% 0
Debt-oriented Aggressive Total 17176 1.08% 0
Debt Oriented -MIP & Asset Allo. Total 17176 1.08% 0
Hybrid Sum 31980 2.01% 0Grand Total 1590960 100.00% 15000
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 135
Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets Sum of Current Fund Value Rs. Sum of Current Fund Value Rs. - %wise
Sum of Existing SIP /SWP Amount Rs.
Debt Debt -Liquid Liquid Birla Sun Life Cash Plus-Retail (Growth) 0.26 12341.67 11424 0.72% 0
Liquid Total 11424 0.72% 0Debt -Liquid Total 11424 0.72% 0
Debt Sum 11424 0.72% 0
Equity Equity Diversified Large & Mid Cap Canara Robeco Equity Diversified-Growth Option 2.25 622.06 256848 16.14% 0
Large & Mid Cap Total 256848 16.14% 0
Mid & Small CapHDFC MID-CAP OPPORTUNITIES FUND - Growth Option
1.91 2021.09 239531 15.06% 5000
Mid & Small Cap Total 239531 15.06% 5000
Multi Cap HDFC Equity Fund - Growth Option 1.78 9718.17 134284 8.44% 7000
Multi Cap Total 134284 8.44% 7000
Tax Planning Birla Sun Life Relief 96 - Growth Option 1.97 1349.42 8425 0.53% 0
DSP BlackRock Tax Saver Fund - Growth 2.17 715.53 28733 1.81% 0HDFC TaxSaver-Dividend Plan 1.85 3149.79 474137 29.80% 0HDFC TaxSaver-Growth Plan 1.85 3149.79 24166 1.52% 0ICICI Prudential Tax Plan-Growth Option 1.98 1295.14 221368 13.91% 3000
Tax Planning Total 756828 47.57% 3000Equity Diversified Total 1387492 87.21% 15000
Equity Sectoral Banking Reliance Banking Fund-Growth Plan-Growth Option 1.93 1671.49 31310 1.97% 0
Banking Total 31310 1.97% 0
Pharma Reliance Pharma Fund-Growth Plan-Growth 2.22 584.07 13394 0.84% 0
Pharma Total 13394 0.84% 0Equity Sectoral Total 44704 2.81% 0
Equity -Thematic & Others Infrastructure DSP BlackRock India T.I.G.E.R. Fund - Regular Plan 1.95 1512.55 115360 7.25% 0
Infrastructure Total 115360 7.25% 0
Equity -Thematic & Others Total 115360 7.25% 0
Equity Sum 1547556 97.27% 15000
Hybrid Balanced Equity-oriented Birla Sun Life 95 Fund-Plan B(Growth) 2.24 519.08 14804 0.93% 0
Equity-oriented Total 14804 0.93% 0Balanced Total 14804 0.93% 0
Debt Oriented -MIP & Asset Allo. Debt-oriented Aggressive Birla Sun Life MIP II - Wealth
25 Plan-Plan B (Growth) 2.1 213.1 17176 1.08% 0
Debt-oriented Aggressive Total 17176 1.08% 0
Debt Oriented -MIP & Asset Allo. Total 17176 1.08% 0
Hybrid Sum 31980 2.01% 0
Grand Total 1590960 100.00% 15000
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 136
Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets 1 Week 15 Day 1 Month 3 Month 6 Month 1 Year 3 Year 5 Year 7 Year 10 Year 1 Year
Return
Sum of Current Fund Value Rs. - %wise
Debt Debt -Liquid Liquid Birla Sun Life Cash Plus-Retail (Growth) 0.26 12341.67 -- -- --- --- --- --- --- --- --- --- 9.17 0.72%
Liquid Total 0.72%
Debt -Liquid Total 0.72%
Debt Sum 0.72%
Equity Equity Diversified Large & Mid Cap Canara Robeco Equity Diversified-Growth Option 2.25 622.06 2 1 2 1 1 1 1 1 1 --- 0.72 16.14%
Large & Mid Cap Total 16.14%
Mid & Small CapHDFC MID-CAP OPPORTUNITIES FUND - Growth Option
1.91 2021.09 1 1 1 3 1 1 1 1 --- --- -1.2 15.06%
Mid & Small Cap Total 15.06%
Multi Cap HDFC Equity Fund - Growth Option 1.78 9718.17 3 2 2 3 2 3 1 1 1 1 -7.63 8.44%
Multi Cap Total 8.44%
Tax Planning Birla Sun Life Relief 96 - Growth Option 1.97 1349.42 3 3 3 3 2 4 3 3 3 3 -9.47 0.53%
DSP BlackRock Tax Saver Fund - Growth 2.17 715.53 1 1 2 2 1 2 2 2 --- --- -4.7 1.81%
HDFC TaxSaver-Dividend Plan 1.85 3149.79 4 3 3 4 3 3 1 2 2 1 -7.84 29.80%HDFC TaxSaver-Growth Plan 1.85 3149.79 4 3 3 4 3 3 1 2 2 1 -7.84 1.52%ICICI Prudential Tax Plan-Growth Option 1.98 1295.14 1 1 2 1 2 2 1 1 3 1 -3.77 13.91%
Tax Planning Total 47.57%
Equity Diversified Total 87.21%
Equity Sectoral Banking Reliance Banking Fund-Growth Plan-Growth Option 1.93 1671.49 4 1 1 1 1 3 1 1 1 --- -6.73 1.97%
Banking Total 1.97%
Pharma Reliance Pharma Fund-Growth Plan-Growth 2.22 584.07 1 1 1 1 1 1 1 1 1 --- 2.2 0.84%
Pharma Total 0.84%
Equity Sectoral Total 2.81%
Equity -Thematic & Others Infrastructure DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth 1.95 1512.55 4 4 1 3 3 4 4 4 2 --- -9.78 7.25%
Infrastructure Total 7.25%
Equity -Thematic & Others Total 7.25%
Equity Sum 97.27%
Hybrid Balanced Equity-oriented Birla Sun Life 95 Fund-Plan B(Growth) 2.24 519.08 -- -- --- --- --- --- --- --- --- --- -1.79 0.93%
Equity-oriented Total 0.93%
Balanced Total 0.93%Debt Oriented -MIP & Asset Allo. Debt-oriented Aggressive Birla Sun Life MIP II - Wealth 25
Plan-Plan B (Growth) 2.1 213.1 -- -- --- --- --- --- --- --- --- --- 4.38 1.08%
Debt-oriented Aggressive Total 1.08%
Existing - Mutual Fund Portfolio Analysis : : Scheme Performance RankingSample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 137
Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets 1 Week 15 Day 1 Month 3 Month 6 Month 1 Year 3 Year 5 Year 7 Year 10 Year 1 Year
Return
Sum of Current Fund Value Rs. - %wise
Existing - Mutual Fund Portfolio Analysis : : Scheme Performance Ranking
Hybrid Debt Oriented -MIP & Asset Allo. Total 1.08%
Hybrid Sum 2.01%
Grand Total 100.00%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 138
Asset Class Sum of Proposed Fund Value Rs. Asset Class Sum of Proposed Fund
Value Rs. - %wiseDebt 162539 Debt 8.83%Equity 1330000 Equity 72.24%Hybrid 348573 Hybrid 18.93%Grand Total 1841112 Grand Total 100.00%
Sum of Proposed Fund Value Rs. Asset Class Scheme Type Sum of Proposed Fund
Value Rs. - %wiseScheme Type Debt Equity Hybrid Grand Total Open Ended 100.00%Open Ended 162539 1330000 348573 1841112 Grand Total 100.00%Grand Total 162539 1330000 348573 1841112
Sum of Proposed Fund Value Rs. Asset Class
Fund House Debt Equity Hybrid Grand TotalCanara 210000 210000DSP 190000 190000HDFC 162539 730000 200000 1092539ICICI 200000 200000
Reliance 0 148573 148573 Fund House Sum of Proposed Fund Value Rs. - %wise
Grand Total 162539 1330000 348573 1841112 Canara 11.41%DSP 10.32%HDFC 59.34%ICICI 10.86%Reliance 8.07%Grand Total 100.00%
Proposed - Mutual Fund Portfolio Analysis
8.83%
72.24%18.93%
0.00%
100.00%
Debt Equity Hybrid
Current MF -Asset Allocation
Asset Class
Sum of Proposed Fund Value Rs. - %wise
Canara, 11.41%
DSP, 10.32%
HDFC, 59.34% ICICI, 10.86%
Reliance, 8.07%
Other, 18.93%
AMC wise AllocationSum of Proposed Fund Value Rs. - %wise
100.00%
Scheme Type
Open EndedScheme Type
Sum of Proposed Fund Value Rs. - %wise
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 139
Asset Class Fund Category Fund Sub-Category Fund House Sum of Proposed Fund Value Rs.
Sum of Proposed Fund Value Rs. - %wise
Sum of Proposed SIP OR SWP Amt.
Debt Debt -Liquid Liquid HDFC 162539 8.83% 0Liquid Total 162539 8.83% 0
Debt -Liquid Total 162539 8.83% 0Debt Sum 162539 8.83% 0
Equity Equity Diversified Large & Mid Cap Canara 210000 11.41%Large & Mid Cap Total 210000 11.41%
Mid & Small Cap HDFC 250000 13.58% 5500Mid & Small Cap Total 250000 13.58% 5500
Multi Cap HDFC 180000 9.78% 7000Multi Cap Total 180000 9.78% 7000
Tax Planning HDFC 300000 16.29%ICICI 200000 10.86% 3000
Tax Planning Total 500000 27.16% 3000Equity Diversified Total 1140000 61.92% 15500
Equity -Thematic & Others Infrastructure DSP 90000 4.89%Infrastructure Total 90000 4.89%
Equity -Thematic & Others Total 90000 4.89%Equity Diversified /Index Fund Large Cap DSP 100000 5.43% 0
Large Cap Total 100000 5.43% 0Equity Diversified /Index Fund Total 100000 5.43% 0
Equity Sum 1330000 72.24% 15500Hybrid Balanced Equity-oriented HDFC 200000 10.86% 0
Equity-oriented Total 200000 10.86% 0Balanced Total 200000 10.86% 0
Debt Oriented -MIP & Cap. Prot. Debt-oriented Conservative Reliance 148573 8.07% 0
Debt-oriented Conservative Total 148573 8.07% 0
Debt Oriented -MIP & Cap. Prot. Total 148573 8.07% 0
Hybrid Sum 348573 18.93% 0Grand Total 1841112 100.00% 15500
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 140
Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets Sum of Proposed Fund Value Rs.
Sum of Proposed Fund Value Rs. - %wise
Sum of Proposed SIP OR SWP Amt.
Debt Debt -Liquid Liquid HDFC Liquid Fund-GROWTH 0.18 7494.78 162539 8.83% 0Liquid Total 162539 8.83% 0
Debt -Liquid Total 162539 8.83% 0Debt Sum 162539 8.83% 0
Equity Equity Diversified Large & Mid Cap Canara Robeco Equity Diversified-Growth Option 2.25 622.06 210000 11.41%
Large & Mid Cap Total 210000 11.41%
Mid & Small CapHDFC MID-CAP OPPORTUNITIES FUND - Growth Option
1.91 2021.09 250000 13.58% 5500
Mid & Small Cap Total 250000 13.58% 5500
Multi Cap HDFC Equity Fund - Growth Option 1.78 9718.17 180000 9.78% 7000
Multi Cap Total 180000 9.78% 7000Tax Planning HDFC TaxSaver-Dividend
Plan 1.85 3149.79 300000 16.29%ICICI Prudential Tax Plan-Growth Option 1.98 1295.14 200000 10.86% 3000
Tax Planning Total 500000 27.16% 3000Equity Diversified Total 1140000 61.92% 15500
Equity -Thematic & Others Infrastructure DSP BlackRock India T.I.G.E.R. Fund - Regular Plan 1.95 1512.55 90000 4.89%
Infrastructure Total 90000 4.89%
Equity -Thematic & Others Total 90000 4.89%
Equity Diversified /Index Fund Large Cap
DSP BlackRock Top 100 Equity Fund - Regular Plan - Growth
1.85 3241.88 100000 5.43% 0
Large Cap Total 100000 5.43% 0Equity Diversified /Index Fund Total 100000 5.43% 0
Equity Sum 1330000 72.24% 15500
Hybrid Balanced Equity-oriented HDFC Prudence Fund - Growth Option 1.79 6040.56 200000 10.86% 0
Equity-oriented Total 200000 10.86% 0Balanced Total 200000 10.86% 0
Debt Oriented -MIP & Cap. Prot. Debt-oriented Conservative Reliance Monthly Income
Plan-Growth Plan 1.56 3617.76 148573 8.07% 0
Debt-oriented Conservative Total 148573 8.07% 0
Debt Oriented -MIP & Cap. Prot. Total 148573 8.07% 0
Hybrid Sum 348573 18.93% 0
Grand Total 1841112 100.00% 15500
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 141
Asset Class Fund Category Fund Sub-Category Scheme Name Expense Ratio Assets 1 Week 15 Day 1 Month 3 Month 6 Month 1 Year 3 Year 5 Year 7 Year 10 Year 1 Year
Return
Sum of Proposed Fund Value Rs. - %wise
Debt Debt -Liquid Liquid HDFC Liquid Fund-GROWTH 0.18 7494.78 -- -- --- --- --- --- --- --- --- --- 9.65 8.83%Liquid Total 8.83%
Debt -Liquid Total 8.83%Debt Sum 8.83%
Equity Equity Diversified Large & Mid Cap Canara Robeco Equity Diversified-Growth Option 2.25 622.06 2 1 2 1 1 1 1 1 1 --- 0.72 11.41%
Large & Mid Cap Total 11.41%
Mid & Small CapHDFC MID-CAP OPPORTUNITIES FUND - Growth Option
1.91 2021.09 1 1 1 3 1 1 1 1 --- --- -1.2 13.58%
Mid & Small Cap Total 13.58%
Multi Cap HDFC Equity Fund - Growth Option 1.78 9718.17 3 2 2 3 2 3 1 1 1 1 -7.63 9.78%
Multi Cap Total 9.78%Tax Planning HDFC TaxSaver-Dividend Plan 1.85 3149.79 4 3 3 4 3 3 1 2 2 1 -7.84 16.29%
ICICI Prudential Tax Plan-Growth Option 1.98 1295.14 1 1 2 1 2 2 1 1 3 1 -3.77 10.86%
Tax Planning Total 27.16%Equity Diversified Total 61.92%
Equity -Thematic & Others Infrastructure DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth 1.95 1512.55 4 4 1 3 3 4 4 4 2 --- -9.78 4.89%
Infrastructure Total 4.89%
Equity -Thematic & Others Total 4.89%
Equity Diversified /Index Fund Large Cap DSP BlackRock Top 100 Equity Fund - Regular Plan - Growth 1.85 3241.88 4 4 4 4 4 2 2 1 1 --- -4.18 5.43%
Large Cap Total 5.43%Equity Diversified /Index Fund Total 5.43%
Equity Sum 72.24%
Hybrid Balanced Equity-oriented HDFC Prudence Fund - Growth Option 1.79 6040.56 -- -- --- --- --- --- --- --- --- --- -1.75 10.86%
Equity-oriented Total 10.86%Balanced Total 10.86%
Debt Oriented -MIP & Cap. Prot. Debt-oriented Conservative Reliance Monthly Income Plan-Growth Plan 1.56 3617.76 -- -- --- --- --- --- --- --- --- --- 7.32 8.07%
Debt-oriented Conservative Total 8.07%
Debt Oriented -MIP & Cap. Prot. Total 8.07%
Hybrid Sum 18.93%
Grand Total 100.00%
Proposed - Mutual Fund Portfolio Analysis : : Scheme Performance RankingSample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 142
Holder NameFolio No. Scheme Name
Current NAV Price Sum of Current Fund Value Rs.
Sum of Proposed Fund Value Rs.
Sum of Addition OR Partly / Fully Redemption
Sum of Current Fund Value Rs. - %wise
Sum of Proposed Fund Value Rs. - %wise
Amar Patel 1 Birla Sun Life Relief 96 - Growth Option 10.11 8425 0 -8425 0.53% 0.00%
1 Total 8425 0 -8425 0.53% 0.00%
3 HDFC Equity Fund - Growth Option 261.375 134284 180000 45716 8.44% 9.78%
3 Total 134284 180000 45716 8.44% 9.78%
6 HDFC TaxSaver-Dividend Plan 49.822 451559 300000 -151559 28.38% 16.29%
6 Total 451559 300000 -151559 28.38% 16.29%
10 ICICI Prudential Tax Plan-Growth Option 137.74 221368 200000 -21368 13.91% 10.86%
10 Total 221368 200000 -21368 13.91% 10.86%
12 Reliance Pharma Fund-Growth Plan-Growth 59.1740 13394 0 -13394 0.84% 0.00%
12 Total 13394 0 -13394 0.84% 0.00%
13 Birla Sun Life 95 Fund-Plan B(Growth) 308.16 14804 0 -14804 0.93% 0.00%
13 Total 14804 0 -14804 0.93% 0.00%
14 Birla Sun Life Cash Plus-Retail (Growth) 289.3031 11424 0 -11424 0.72% 0.00%
14 Total 11424 0 -11424 0.72% 0.00%
15Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)
19.1483 17176 0 -17176 1.08% 0.00%
15 Total 17176 0 -17176 1.08% 0.00%
(blank) HDFC Liquid Fund-GROWTH 21.7518 162539 162539 8.83%
Reliance Monthly Income Plan-Growth Plan
23.6977 148573 148573 8.07%
(blank) Total 311112 311112 16.90%Amar Patel Total 872434 991112 118678 54.84% 53.83%
Sangita Patel 2HDFC MID-CAP OPPORTUNITIES FUND - Growth Option
16.425 239531 250000 10469 15.06% 13.58%
2 Total 239531 250000 10469 15.06% 13.58%
Partywise Mutual Fund Rebalancing ReportSample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 143
Fund House Asset Class Fund Category Fund Sub-Category Scheme Name Sum of Current Fund Value Rs.
Sum of Proposed Fund Value Rs.
Sum of Addition OR Partly / Fully
Redemption
Sum of Current Fund Value Rs. -
%wise
Sum of Proposed Fund Value Rs. -
%wise
Birla Debt Debt -Liquid Liquid Birla Sun Life Cash Plus-Retail (Growth) 11424 0 -11424 0.72% 0.00%
Debt Sum 11424 0 -11424 0.72% 0.00%
Equity Equity Diversified Tax Planning Birla Sun Life Relief 96 - Growth Option 8425 0 -8425 0.53% 0.00%
Equity Sum 8425 0 -8425 0.53% 0.00%
Hybrid Balanced Equity-oriented Birla Sun Life 95 Fund-Plan B(Growth) 14804 0 -14804 0.93% 0.00%
Debt Oriented -MIP & Asset Allo.
Debt-oriented Aggressive
Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)
17176 0 -17176 1.08% 0.00%
Hybrid Sum 31980 0 -31980 2.01% 0.00%Birla Sum 51829 0 -51829 3.26% 0.00%
Canara Equity Equity Diversified Large & Mid CapCanara Robeco Equity Diversified-Growth Option
256848 210000 -46848 16.14% 11.41%
Equity Sum 256848 210000 -46848 16.14% 11.41%Canara Sum 256848 210000 -46848 16.14% 11.41%
DSP Equity Equity Diversified Tax Planning DSP BlackRock Tax Saver Fund - Growth 28733 0 -28733 1.81% 0.00%
Equity -Thematic & Others Infrastructure
DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth
115360 90000 -25360 7.25% 4.89%
Equity Diversified /Index Fund Large Cap
DSP BlackRock Top 100 Equity Fund - Regular Plan - Growth
100000 100000 5.43%
Equity Sum 144093 190000 45907 9.06% 10.32%DSP Sum 144093 190000 45907 9.06% 10.32%
HDFC Debt Debt -Liquid Liquid HDFC Liquid Fund-GROWTH 162539 162539 8.83%
Debt Sum 162539 162539 8.83%
Equity Equity Diversified Mid & Small CapHDFC MID-CAP OPPORTUNITIES FUND - Growth Option
239531 250000 10469 15.06% 13.58%
Multi Cap HDFC Equity Fund - Growth Option 134284 180000 45716 8.44% 9.78%
Tax Planning HDFC TaxSaver-Dividend Plan 474137 300000 -174137 29.80% 16.29%
HDFC TaxSaver-Growth Plan 24166 0 -24166 1.52% 0.00%
Equity Sum 872118 730000 -142118 54.82% 39.65%
AMCwise Mutual Fund Rebalancing ReportSample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 144
Fund House Asset Class Fund Category Fund Sub-Category Scheme Name Sum of Current Fund Value Rs.
Sum of Proposed Fund Value Rs.
Sum of Addition OR Partly / Fully
Redemption
Sum of Current Fund Value Rs. -
%wise
Sum of Proposed Fund Value Rs. -
%wise
AMCwise Mutual Fund Rebalancing Report
HDFC Hybrid Balanced Equity-oriented HDFC Prudence Fund - Growth Option 200000 200000 10.86%
Hybrid Sum 200000 200000 10.86%HDFC Sum 872118 1092539 220421 54.82% 59.34%
ICICI Equity Equity Diversified Tax Planning ICICI Prudential Tax Plan-Growth Option 221368 200000 -21368 13.91% 10.86%
Equity Sum 221368 200000 -21368 13.91% 10.86%ICICI Sum 221368 200000 -21368 13.91% 10.86%
Reliance Equity Equity Sectoral BankingReliance Banking Fund-Growth Plan-Growth Option
31310 0 -31310 1.97% 0.00%
Pharma Reliance Pharma Fund-Growth Plan-Growth 13394 0 -13394 0.84% 0.00%
Equity Sum 44704 0 -44704 2.81% 0.00%
Hybrid Debt Oriented -MIP & Cap. Prot.
Debt-oriented Conservative
Reliance Monthly Income Plan-Growth Plan 148573 148573 8.07%
Hybrid Sum 148573 148573 8.07%Reliance Sum 44704 148573 103869 2.81% 8.07%
Grand Total 1590960 1841112 250152 100.00% 100.00%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 145
Asset Class Fund Category Fund Sub-Category Scheme Name Sum of Current Fund Value Rs.
Sum of Proposed Fund Value Rs.
Sum of Addition OR Partly / Fully Redemption
Sum of Current Fund Value Rs. - %wise
Sum of Proposed Fund Value Rs. - %wise
Debt Debt -Liquid Liquid Birla Sun Life Cash Plus-Retail (Growth) 11424 0 -11424 0.72% 0.00%
HDFC Liquid Fund-GROWTH 162539 162539 8.83%
Liquid Total 11424 162539 151115 0.72% 8.83%Debt -Liquid Total 11424 162539 151115 0.72% 8.83%
Debt Sum 11424 162539 151115 0.72% 8.83%
Equity Equity Diversified Large & Mid CapCanara Robeco Equity Diversified-Growth Option
256848 210000 -46848 16.14% 11.41%
Large & Mid Cap Total 256848 210000 -46848 16.14% 11.41%
Mid & Small CapHDFC MID-CAP OPPORTUNITIES FUND - Growth Option
239531 250000 10469 15.06% 13.58%
Mid & Small Cap Total 239531 250000 10469 15.06% 13.58%
Multi Cap HDFC Equity Fund - Growth Option 134284 180000 45716 8.44% 9.78%
Multi Cap Total 134284 180000 45716 8.44% 9.78%
Tax Planning Birla Sun Life Relief 96 - Growth Option 8425 0 -8425 0.53% 0.00%
DSP BlackRock Tax Saver Fund - Growth 28733 0 -28733 1.81% 0.00%
HDFC TaxSaver-Dividend Plan 474137 300000 -174137 29.80% 16.29%
HDFC TaxSaver-Growth Plan 24166 0 -24166 1.52% 0.00%
ICICI Prudential Tax Plan-Growth Option 221368 200000 -21368 13.91% 10.86%
Tax Planning Total 756828 500000 -256828 47.57% 27.16%Equity Diversified Total 1387492 1140000 -247492 87.21% 61.92%
Equity Sectoral BankingReliance Banking Fund-Growth Plan-Growth Option
31310 0 -31310 1.97% 0.00%
Banking Total 31310 0 -31310 1.97% 0.00%
Pharma Reliance Pharma Fund-Growth Plan-Growth 13394 0 -13394 0.84% 0.00%
Pharma Total 13394 0 -13394 0.84% 0.00%Equity Sectoral Total 44704 0 -44704 2.81% 0.00%
Equity -Thematic & Others Infrastructure
DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth
115360 90000 -25360 7.25% 4.89%
Asset Class & Fund Categorywise Mutual Fund Rebalancing Report
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 146
Asset Class Fund Category Fund Sub-Category Scheme Name Sum of Current Fund Value Rs.
Sum of Proposed Fund Value Rs.
Sum of Addition OR Partly / Fully Redemption
Sum of Current Fund Value Rs. - %wise
Sum of Proposed Fund Value Rs. - %wise
Asset Class & Fund Categorywise Mutual Fund Rebalancing Report
Equity Equity -Thematic & Others Infrastructure Total 115360 90000 -25360 7.25% 4.89%Equity -Thematic & Others Total 115360 90000 -25360 7.25% 4.89%
Equity Diversified /Index Fund Large Cap
DSP BlackRock Top 100 Equity Fund - Regular Plan - Growth
100000 100000 5.43%
Large Cap Total 100000 100000 5.43%Equity Diversified /Index Fund Total 100000 100000 5.43%
Equity Sum 1547556 1330000 -217556 97.27% 72.24%
Hybrid Balanced Equity-oriented Birla Sun Life 95 Fund-Plan B(Growth) 14804 0 -14804 0.93% 0.00%
HDFC Prudence Fund - Growth Option 200000 200000 10.86%
Equity-oriented Total 14804 200000 185196 0.93% 10.86%Balanced Total 14804 200000 185196 0.93% 10.86%
Debt Oriented -MIP & Asset Allo.
Debt-oriented Aggressive
Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)
17176 0 -17176 1.08% 0.00%
Debt-oriented Aggressive Total 17176 0 -17176 1.08% 0.00%
Debt Oriented -MIP & Asset Allo. Total 17176 0 -17176 1.08% 0.00%
Debt Oriented -MIP & Cap. Prot.
Debt-oriented Conservative
Reliance Monthly Income Plan-Growth Plan 148573 148573 8.07%
Debt-oriented Conservative Total 148573 148573 8.07%
Debt Oriented -MIP & Cap. Prot. Total 148573 148573 8.07%
Hybrid Sum 31980 348573 316593 2.01% 18.93%Grand Total 1590960 1841112 250152 100.00% 100.00%
Sample Financial Plan Report in Excel 30/09/2012
Contact : Satish Mistry, Email: [email protected] 147