Sample Financial Plan

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Sample Financial Plan
by Gopal Gidwani on April 18, 2011 8 comments
in Financial Planning
Financial Plan for Mr. ABC
Current Details
Mr. ABC is 29 years old. Heis married. Thecoupletogether is currently drawing a net monthly salary of Rs 80,000. Out of this Mr. ABC sends Rs 15000 every month to his parents. Their current
monthly expenses areRs 22000 (which includes rent of Rs 10,000 a month). So after deducting Rs 37,000 (Rs 15000 for parents +Rs 22000 for expenses and rent) thecoupleis left with Rs 43,000 per
month for their investments and meeting their financial goals.
Current Investments and Insurance
1) Mr ABC has invested in an Endowment Policy which gives hima cover of Rs 10,00,000 since2006. Thehalf yearly premiumfor this policy is Rs 6000. Thetenureof this policy is 15 years.
2) Mr. ABC has invested in 2 terminsurancepolicies giving hima total sumassured of Rs 56 Lacs (Rs 38 Lacs and Rs 18 Lacs). Theannual premiumfor the2 policies together is Rs 12000 (Rs 7000 and
Rs 5000).
3) Mr. ABC and his wifedont haveany health insurancecover
4) Mr. ABC has taken SIPs of Equity Linked Savings Schemes (ELSS) for tax saving purpose. Themonthly investment amount is Rs 3000 (Rs 2000 and Rs 1000).
5) Mr. ABC has liquid cash of Rs 1,08,000 in his Savings Bank Account
6) Mr. ABC has gold jewellery worth Rs 2,00,000.
Financial Goals
Mr. ABC has thefollowing financial goals
1) 3 years fromnow Mr. ABC wants to buy a houseworth Rs 45 lacs. For that hewants to start accumulating the20% margin money of Rs 10 Lacs fromnow onwards and fund theremaining amount
through a homeloan
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SampleFinancial Plan| bachatkhata.com
2) Mr. ABC does not havea kid now. Heplans to havea kid 3 years fromnow. But Mr. ABC wants to start investing for thekids education (PG Course) and marriageright now itself. Mr. ABC wants to
start building an education fund for thechilds PG Coursewhich will cost Rs 15 lacs at todays costs.
3) Mr. ABC want to start building a marriagefund for thechilds marriagewhich will cost Rs 12 lacs at todays costs.
4) Mr. ABC wants to enjoy an annual vacation with family for which heplans to havean annual fund of Rs 50,000
5) Mr. ABC wants to havea retirement fund of Rs 2 crores when heretires.
Solution
Mr. ABC has been suggested thefollowing Financial Plan to help himmeet his Financial Goals
Step 1: Emergency / Contingency Fund
As a first step towards financial planning Mr. ABC is required to build an emergency / contingency fund for any emergencies likejob changeor job loss or loss of incomedueto any other reason. The
reservefund should be3 to 6 times of monthly income. So in caseof Mr. ABC this fund should beRs 2,40,000 (Rs 80,000 X 3) to 4,80,000 (Rs 80,000 X 6). Mr. ABC is advised to havea reservefund of
Rs 3,00,000. Healready has cash balanceof Rs 1,08,000 in his bank savings account and gold worth Rs 2 Lakhs. Hecan accumulatetheremaining amount and invest this amount in a Flexi Deposit
Account (Fixed Deposit cumSavings Account). Thesebank accounts provideliquidity (customer can withdraw entiremoney or partial withdrawal anytime) of a savings account and till thetimethe
money is with thebank, they providehigh returns of a fixed deposit. Nowadays all banks havea Flexi Deposit product which acts as a Fixed Deposit cumSavings Account. Someof thebanks providing
this product are:
IDBI Bank Sweep-in Savings Account
Axis Bank Encash 24
Union Bank Union Flexi Deposit
HDFC Bank Super Saver Facility
Bank of India BOI Savings Plus Scheme
Oriental Bank of Commerce Flexi Fixed Deposit Scheme
StateBank of India Multi Option Deposit Scheme
Allahabad Bank Flexi-Fix Deposit
Bank of Maharashtra MixieDeposit Scheme
Corporation Bank Money Flex
United Bank of India United Bonanza Savings Scheme
Step 2: Insurance
As a 2
nd
step towards financial planning Mr. ABC should ensurethat hehas adequatelifeinsurancecover for himself and his wifeand health insurancefor both of them.
Mr. ABC is 29 years old today. Heand his wifehavea working lifespan of 31 years ahead of them. In these31 years if their annual net incomeof Rs 9,60,000 (Rs 80,000 X 12) goes on increasing by 5%
then thetotal amount that they will earn in these31 years will beequal to Rs 6,79,30,358 (Rs 6.80 crores approx). HenceMr. ABC and wifeareadvised to takeLifeInsurancecover of atleast Rs 1 crore
each.
Age Year
Annual Income at the
beginning of the Year
Annual
Growth
Annual Income at
End of the Year
Total Income of
all Years in Lakhs
30 2011 0 0% 960000 9.60
35 2016 1166886 5% 1225230.3 65.30
40 2021 1489275.087 5% 1563738.842 136.39
45 2026 1900734.335 5% 1995771.052 227.11
50 2031 2425872.188 5% 2547165.797 342.90
55 2036 3096095.946 5% 3250900.743 490.69
60 2041 3951490.172 5% 4149064.68 679.30

PJ Total IncomeGrowth SampleFinancial Plan
Term Insurance: Mr. ABC already has terminsuranceworth Rs 58 Lacs. Hecan go for an additional terminsurancecover of Rs 50,00,000. Hecan convert theEndowment Policy into a paid up policy.
Heis also advised to buy a termpolicy of 1 crorefor his spouse.
For a TermPolicy of Rs 50 Lacs for 25 years theannual premiumfor Mr. ABC (29 Years) will bein therangeof Rs 5500 to Rs 6500. Someof theplans that Mr. ABC can choosefromare
Name of the Plan Annual Premium
MetLifeMetProtect Plan Rs 5150
Aegon ReligareiTermPlan Rs 5250
ICICI Prudential iProtect Plan Rs 5350
Kotak ePreferred TermPlan Rs 5763

* Theabovepremiums havebeen calculated fromtherespectivecompany website. In caseof the1
st
threeplans thepremiums areexclusiveof servicetax whereas in caseof Kotak ePreferred TermPlan
thewebsitedoes not specify whether thepremiumis inclusiveor exclusiveof servicetax.
A termplan of Rs 1 crorefor Mr. ABCs spousefor 25 years will cost Rs 10,000 or so per annum.
Health Insurance
Mr. ABC is advised to go for a Family Floater Plan for a cover of Rs 3,00,000 to start with and in thelater stages this cover can beincreased to Rs 5,00,000 or more. Mr. ABC can choosefromthebelow
2 plans:
a) Apollo Munich Easy Health Plan (Standard): For a Family Floater cover of Rs 3,00,000 for 2 adults thepremiumis Rs 4924 (inclusiveof servicetax). Maternity benefit is availablein Exclusive
variant and after a waiting period of 4 years. Under theApollo Munich Easy Health Plan (Exclusive) thepremiumfor Rs 4,00,000 cover is Rs 7280 (inclusiveof servicetax).
b) Max Bupa HeartBeat Silver: For a Family Floater cover of Rs 3,00,000 for 2 adults thepremiumis Rs 7193 (inclusiveof servicetax).
Both thecompanies offer lifelong renewal and also thereis no loading in caseof claims. Thedifferenceis Apollo Munich follows an ageslab-wisemethod of charging premium. So as long as theperson
is in a particular ageslab thepremiumremains sameand when theperson moves fromoneageslab to another ageslab thepremiumincreases as per thenew ageslab. Thepremiums for all ageslabs are
put upfront by Apollo Munich on their brochures and on their websitein writing. Max Bupa does not follow theageslab method of premium. They increasethepremiumevery year on renewal. But how
much will they increasethepremiumevery year on renewal is not specified.
Step 3: Child Education Fund
Mr. ABC plans to havea kid 2 years fromnow but heplans to start saving for thekids education (PG Course) fromnow itself. If thekid is planned 2 years fromnow themoney for thekids PG Course
will berequired 22 years fromnow when thekid turns 20 years old. Mr. ABC wants to build a Child Education Fund at todays costs of Rs 15 lacs. If thecoursecosts Rs 15 lacs today and education costs
increaseat therateof 10% every year (inflation) thesamecoursewill cost a whopping Rs 1.22 crores (Rs 1,22,10,412) 22 years fromnow in theyear 2032.
If Mr. ABC wants to accumulateRs 1.22 crores in 22 years (Year 2032) fromnow hewill haveto start with an investment of Rs. 83,176 (Rs 6,931 monthly) in the1
st
year fromtheYear 2011 beginning
and go on increasing theannual investment amount by 5% every year (compounded) with the5% increasein his annual income. Theannual return expected is 12%.
Annual Investment Plan Growing @ 5% pa (Compounded)
Year Sr.
No. Year
BalanceC/F from
Previous Year
Annual Investment
during Year
Total Fund Valueat the
end of theYear (12%
return)
1 2011 0.00 83176.74 93157.95
2 2012 93157.95 87335.58 202152.75
3 2013 202152.75 91702.36 329117.72
4 2014 329117.72 96287.47 476453.81
5 2015 476453.81 101101.85 646862.34
6 2016 646862.34 106156.94 843381.59
7 2017 843381.59 111464.79 1069427.95
8 2018 1069427.95 117038.03 1328841.89
9 2019 1328841.89 122889.93 1625939.63
10 2020 1625939.63 129034.42 1965570.94
11 2021 1965570.94 135486.14 2353183.94
12 2022 2353183.94 142260.45 2794897.72
13 2023 2794897.72 149373.47 3297583.74
14 2024 3297583.74 156842.15 3868956.99
15 2025 3868956.99 164684.26 4517678.20
16 2026 4517678.20 172918.47 5253468.27
17 2027 5253468.27 181564.39 6087236.58
18 2028 6087236.58 190642.61 7031224.69
19 2029 7031224.69 200174.74 8099167.37
20 2030 8099167.37 210183.48 9306472.95
21 2031 9306472.95 220692.65 10670425.47
22 2032 10670425.47 231727.29 12210411.09
PJ Child Education Fund SampleFinancial Plan
Step 4: Child Marriage Fund
Mr. ABC plans to get his child married when he/ sheturns 23 years old. Mr. ABC plans to start saving and investing for thekids marriagefromnow itself. Themarriageis planned in theyear 2035.
According to Mr. ABC a normal wedding as on today costs Rs. 12 lacs and wants to start investing accordingly. If themarriagecosts Rs. 12 lacs as on today and if themarriagecosts go on increasing at
therateof 10% (inflation) every year then thesamemarriage25 years down thelinewill cost a staggering Rs. 1.30 crores (Rs 1,30,01,647.13).
If Mr. ABC wants to accumulateRs 1.30 crores in 25 years (2035) fromnow hewill haveto start with an investment of Rs 59690 (Rs 4974 monthly) in the1
st
year fromtheyear 2011 beginning and go on
increasing this investment by 5% every year (compounded). Theannual return on investment expected is 12%.
Year Sr.
No. Year
BalanceC/F from
Previous Year
Annual Investment
during Year
Total Fund Valueat the
end of theYear
1 2011 0.00 59690.00 66852.80
2 2012 66852.80 62674.50 145070.58
3 2013 145070.58 65808.23 236184.26
4 2014 236184.26 69098.64 341916.84
5 2015 341916.84 72553.57 464206.86
6 2016 464206.86 76181.25 605234.68
7 2017 605234.68 79990.31 767451.98
8 2018 767451.98 83989.82 953614.82
9 2019 953614.82 88189.32 1166820.64
10 2020 1166820.64 92598.78 1410549.75
11 2021 1410549.75 97228.72 1688711.89
12 2022 1688711.89 102090.16 2005698.29
13 2023 2005698.29 107194.66 2366440.10
14 2024 2366440.10 112554.40 2776473.84
15 2025 2776473.84 118182.12 3242014.67
16 2026 3242014.67 124091.22 3770038.60
17 2027 3770038.60 130295.78 4368374.52
18 2028 4368374.52 136810.57 5045807.30
19 2029 5045807.30 143651.10 5812193.41
20 2030 5812193.41 150833.66 6678590.32
21 2031 6678590.32 158375.34 7657401.53
22 2032 7657401.53 166294.11 8762539.12
23 2033 8762539.12 174608.81 10009605.68
24 2034 10009605.68 183339.25 11416098.33
25 2035 11416098.33 192506.22 13001637.09

PJ Child MarriageFund SampleFinancial Plan
Step 5 Others
Herein this section Mr. ABC primarily has to takecareof 3 things
Annual Child School Expenses
HomeLoan Margin Fund
Annual Vacation Fund
Hereis theplan for each of theabove3
a) Annual Child School Expenses: Mr. ABC expects to havea baby 2 years fromnow in 2013. In 2015 when thebaby turns 3 years old it is expected to start going to school in Pre-Nursery. Theannual
education cost assumed is Rs 50,000 which is expected to go on increasing by 5% every year. Mr. ABC will haveto fund this cost every year fromhis annual salary cash flows.
Year Child Age School Standard Child School Expenses
2011 - - 0.00
2012 - - 0.00
2013 1 Year - 0.00
2014 2 Years - 0.00
2015 3 Years Pre-School 50000.00
2016 4 Years KG 52500.00
2017 5 Years KG 55125.00
2018 6 Years 1st Standard
57881.25
2019 7 Years 2nd Standard
60775.31
2020 8 Years 3rd Standard
63814.08
2021 9 Years 4th Standard
67004.78
70355.02
73872.77
77566.41
81444.73
85516.97
89792.82
94282.46
98996.58
2030 18 Years 1st Year College
103946.41
2031 19 Years 2nd Year College
109143.73
2032 20 Years 3rd Year College
114600.92

b) Home Loan Margin Fund:
Mr. ABC wants to buy a homevalued at Rs 45 Lakhs. For this hewill haveto makea down payment of 20% margin money which will bearound Rs 10 Lacs. Fromhis annual salary cash flow Mr. ABC
has to takecareof things likehis annual living expenses, annual houserent, annual vacation fund, annual insurancepremiums (lifeand health) and at thesametimehewants to get started with his
investments for child education, child marriageand his retirement. After providing for all theaboveand thecontingency reservefund; whatever is left Mr. ABC can put in a HomeLoan Margin Fund.
On analysing Mr. ABC cash flows and all his expenses and investments werealisethat Mr. ABC will take5 years to build theHomeLoan Margin Fund of Rs 10 Lacs. At theend of the5
th
year this fund
will havea balanceof Rs 10,83,494. Mr. ABC can makethe20% down payment and financetheremaining amount through a homeloan. Assuming that Mr. ABC will go for a homeloan of 35 lacs @
10% interest for 20 Years; theEMI will work out to Rs 33,496 which will lead to an annual cash outflow of Rs 4,01,952 which Mr. ABC will beableto fund fromhis annual salary cash flow.
c) Annual Vacation Fund
Mr. ABC wants to go for a vacation every year with his family for which hewants to set asideRs 50,000 every year. Wehaveassumed that thevacation cost will go on increasing by 5% every year. Mr.
ABC can financehis annual vacation fromhis annual salary cash flows. His vacation fund over theyears will look likethis
Mr. ABCs Age Year Vacation Cost
29 2011 50000.00
30 2012 52500.00
31 2013 55125.00
32 2014 57881.25
33 2015 60775.31
34 2016 0.00
35 2017 67004.00
36 2018 0.00
37 2019 73872.00
38 2020 77565.60
39 2021 81443.88
40 2022 85516.07
41 2023 89791.88
42 2024 94281.47
43 2025 98995.55
44 2026 103945.32
45 2027 109142.59
46 2028 114599.72
47 2029 120329.70
48 2030 126346.19
49 2031 132663.50
50 2032 139296.67
51 2033 146261.51
52 2034 153574.58
53 2035 161253.31
54 2036 169315.98
55 2037 177781.78
56 2038 186670.86
57 2039 196004.41
58 2040 205804.63
59 2041 216094.86
60 2042 226899.60

In theyear 2016 thereis no provision madefor a vacation as in this year Mr. ABC will begoing in for a homeloan and theEMI on that will considerably increasehis monthly financial outgo and
spending money on a vacation in that year will put lot of pressureon his finances. So Mr. ABC can skip theannual vacation in 2016 and in 2018.
In 2018 also if Mr. ABC chooses to go for a vacation his emergency / contingency fund will fall considerably. So it will bebetter for Mr. ABC to skip theannual vacation in 2018.
Wehavenot provided for vacation post theageof 60 but if Mr. ABC desires to continuewith theannual vacations hecan do so as hewill havesufficiently cash to continuewith annual vacations for the
next few years post retirement.
Step 6: Retirement Fund
Thecurrent monthly expenses of Mr. ABC areRs 15000. Theannual expenses areRs 1,80,000. Theannual expenses areexpected to grow at therateof 7% (inflation) every year. At this rateby thetime
Mr. ABC retires 31 years down theline; his annual expenses in the60
th
year (retirement year) will increaseto Rs 14,66,120.
Post retirement Mr. ABC is expected to livefor another 20 years (lifeexpectancy 80 years). During these20 years (post retirement) if his annual expenses increaseby 5% every year (with expenses at Rs
14.66 lacs in theretirement year) then thepresent valueof Mr. ABC expenses at thebeginning of his retirement will beRs 2,27,34,528 (Rs 2.27 crores). This is theretirement corpus (Rs 2.27 crores) that
Mr. ABC needs to sustain his expenses during his retirement years when his annual salary incomewill stop. During theretirement years Mr. ABC can invest thecorpus of Rs 2.27 crorein debt
instruments which can givehiman annual return of 8%. By thetimeMr. ABC turns 80 years old this fund will get exhausted.
To achievetheretirement corpus of Rs 2.27 crores by theageof 60 years, Mr. ABC will haveto start with an investment of Rs 48,968 (Rs 4080 monthly) in the1
st
year fromtheyear 2011 beginning and
go on increasing this investment by 5% every year (compounded). Theannual return on investment expected is 12%.
Year Sr.
No. Year
Balance C/F from
Previous Year
Annual Investment
during Year
Total Fund Value at
the end of the Year
1 2011 0.00 48968.00 54844.16
2 2012 54844.16 51416.40 119011.83
3 2013 119011.83 53987.22 193758.93
4 2014 193758.93 56686.58 280498.98
5 2015 280498.98 59520.91 380822.27
6 2016 380822.27 62496.96 496517.53
7 2017 496517.53 65621.80 629596.06
8 2018 629596.06 68902.89 782318.83
9 2019 782318.83 72348.04 957226.89
10 2020 957226.89 75965.44 1157175.41
11 2021 1157175.41 79763.71 1385371.81
12 2022 1385371.81 83751.90 1645418.56
13 2023 1645418.56 87939.49 1941361.02
14 2024 1941361.02 92336.47 2277741.18
15 2025 2277741.18 96953.29 2659657.81
16 2026 2659657.81 101800.96 3092833.81
17 2027 3092833.81 106891.00 3583691.80
18 2028 3583691.80 112235.55 4139438.63
19 2029 4139438.63 117847.33 4768160.28
20 2030 4768160.28 123739.70 5478927.97
21 2031 5478927.97 129926.68 6281917.21
22 2032 6281917.21 136423.02 7188541.05
23 2033 7188541.05 143244.17 8211599.45
24 2034 8211599.45 150406.38 9365446.52
25 2035 9365446.52 157926.69 10666178.00
26 2036 10666178.00 165823.03 12131841.15
27 2037 12131841.15 174114.18 13782669.97
28 2038 13782669.97 182819.89 15641348.65
29 2039 15641348.65 191960.88 17733306.67
30 2040 17733306.67 201558.93 20087049.48
31 2041 20087049.48 211636.87 22734528.71
PJ Retirement Fund SampleFinancial Plan
Thebelow chart gives details of all theinvestments and expenses of Mr ABC. In short thechart gives a completesnapshot of Mr. ABCs Financial Planning which wehavediscussed abovein theentire
article.
ComprehensiveFinancial Plan SampleFinancial Plan
For any comments on theabovearticlepleasecomment in thebelow comments section or writeto us at
gopal_gidwani@yahoo.com
No related posts.
{ 7 comments read thembelow or add one}
Anand Rithi J uly 26, 2012 at 5:06 am
Dear Sir,
Pleasegivethearticlefor Salary amount of 10,000 to 15,000 salary slab
Reply
Gopal Gidwani J uly 29, 2012 at 1:22 pm
Hello Mr Anand,
It will bedifficult to givea financial plan for different salary slabs. But you can writeto meat gopal_gidwani@yahoo.comwith your financial goals and I will help you.
Reply
SATYA SURI August 16, 2012 at 7:24 am
Dear Gopal jee,
I amlooking for a comprehensiveHealth Insurancefor my family. My ageis 37, wifes ageis 36, son is 15 and daughter is 8 years.
I had seleced Max Bupa.. But CONFUSED about HEARTBEAT and FAMILY FIRST ?? and differencebetween SILVER & GOLD option.
Can you advisemeupon that or someother good and best product avaliable..
Thanks & Regards
Satya
Reply
Gopal Gidwani August 20, 2012 at 11:53 am
Hello Mr. Satya,
I amnot an expert in health insuranceand it will not beright on my part to comment on health insurancepolicies. I suggest you get in touch with somehealth insuranceexpert like
MediManage. They will betheright peopleto guideyou on health insurance
Reply
shina afzal December 6, 2012 at 1:45 pm
hi sir, i need your help for making a comprehensivefinancial plan i meven ready to pay for it.. if you can help meby tommorows morning also it is for Australian fiancial planning
Reply
Eshwar J uly 30, 2013 at 11:01 am
You haveoutlined a perfect plan for all stages of life. I ammoreinterested in theinvestment tools that you outlined a 12% return for Child Education Fund, Child MarriageFund, Retirement Fund.
It will help to know different investment avenues to proceed with securing a planned life.
Reply
Gopal Gidwani September 25, 2013 at 4:15 pm
Hello Eshwar,
You can earn averageannual 12% 15% returns through investment in diversified equity mutual funds over long terminvestment tenureof 10-15 years or more. To know moreabout mutual
fund investments you may check thebelow article
http://www.bachatkhata.com/2012/03/investing-in-mutual-funds.html
I havetaken averagereturns of 12% on theinvestment portfolio which includes a mix of diversified equity mutual funds and debt products likePPF, NSC, Bank FDs etc. Products likePPF
havethepotential to givetax freereturns of 8% or so.
Reply
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