As on Date : 22-09-2014

Existing Investment Registers with strategies thereof

Comprehensive Personal Financial Plan developed for

Samir Patel & Family

Statement Contains :
Fixed Return Scheme Register with Weighted IRR and proposed stratagies for each scheme
Traditional -Life Insurance and Pension Plan Schemes Register with Weighted IRR and proposed stratagies for each scheme
Unit Linked -Life Insurance and Pension Plan Schemes Register with Weighted IRR and proposed stratagies for each scheme
Mutual Fund Investment & Stock Investment Register with Weighted IRR and proposed stratagies for each scheme
Existing Investment Portfolio Analysis / Mutual Fund Portfolio Analysis & Asset Allocation in Investment Portfolio

Before Recommendation

1625000

1745000

After Recommendation

119450

2191580

119450

2191580

8.60%

8.83%

1966949

1613654

1966949

1613654

Proposed Changes-Cash Flow

Sr. No.

Type of Scheme

Scheme Name

Holder Name

Public Provident Fund

Certificate
No.

Investment
Date

Regular Inflow
Regular
Regular
Outflow
Investment Investment
Frequency /
Outflow
Inflow from
Mode
Amount
Investment

Maturity Date

Maturity
Period (In
Years)

Lumpsum
Investment
Amount Rs.

Total
Invested
Amount Rs.

Total Amount
Total Amount
Payable
Receivable
Effective
Current
towards
Maturity Value Interest
towards
Rate of
Valuation of
Future
Rs.
Rate (%)
Interest from
Return (%) Investment
Investment
Today
from Today

34534543

12-12-2006

11-12-2021

15.00

80000

80000

181665

8.00%

8.00%

76688884

08-04-2009

07-04-2024

15.00

45000

45000

141787

8.00%

8.00%

68000

07-07-2014

5.00

120000

147724

7.72%

7.95%

153957

Estimated
Surrender
Value of
Investment
Rs.

Liquidate? OR
Continue?

Planner's
Advice

106000

Post Office Recurring Deposit Scheme

Samir Patel

984321

08-07-2009

Monthly

138561

Continue

Post Office Monthly Income Scheme

Chhotubhai Patel

542987

04-04-2011

Monthly

2050

03-04-2016

5.00

300000

300000

38950

300000

7.91%

8.20%

300000

270000

Continue

Senior Citizen Savings Scheme

Chhotubhai Patel

2333987

03-09-2010

Quarterly

11250

02-09-2015

5.00

500000

500000

45000

500000

8.71%

9.00%

500000

450000

Continue

Regular Income Bonds - NCD's

Samir Patel

5677333

08-12-2008

Yearly

18000

07-12-2014

6.00

200000

200000

18000

200000

9.00%

9.00%

200000

180000

Continue

Ekta Patel

122222

09-06-2011

Monthly

833

08-06-2016

5.00

100000

100000

17500

100000

10.00%

10.47%

100000

90000

Continue

2000

Post Office - Time Deposits

Samir Patel

566444

12-12-2010

On Maturity

11-12-2013

3.00

40000

40000

50730

8.00%

8.24%

53966

48570

Continue

National Savings Certificates

Savitaben Patel

490345

09-12-2011

On Maturity

08-12-2016

5.00

150000

150000

226380

8.40%

8.58%

188711

169840

Continue

10

Kisan Vikas Patra

Ekta Patel

1127894

17-06-2008

On Maturity

16-06-2016

8.58

75000

75000

150000

8.41%

8.41%

124425

111982

Continue

11

Cumulative - Growth - Bonds & NCD

Savitaben Patel

654789

04-08-2012

On Maturity

03-08-2017

5.00

50000

50000

86446

11.00%

11.57%

63163

56847

Continue

12

Bank Fixed Deposits > 1 Year

Samir Patel

347765

03-12-2011

On Maturity

02-12-2014

3.00

60000

60000

79520

9.50%

9.84%

78081

70273

Continue

Samir Patel

4336899

09-06-2012

On Maturity

08-06-2013

1.00

25000

25000

27327

9.00%

9.31%

30645

27581

Continue

13

Before Recommendation

1350000

After Recommendation

350000

Proposed Changes-Cash Flow

Sr. No.

Type of Scheme

Regular Premium Traditional Life

Insurance Plan

Issued by

Scheme Name

Holder Name

Policy No.

Policy Start
Date

Regular
Premium
Payment
Frequency
Mode

Regular
Insurance
Maturity
Premium Maturity Date Period (In
Outflow
Years)
Amount

Regular
Premium
Payment
Term (In
Years)

Estimated
Bonus
Rate Per
Rs. 1000
Sum
Assured

Policy
Status

200000

-1000000

Attached
Rider (if
any)

Sum
Assured
Amount
Rs.

-200000

86386

1248249

592850

10053

140742

-76333

-452108

Total
Pension
Amount
Yearly
Plan
Paid
Premium
Value
towards
Outflow
Rs.
Premium
Amt. Rs.

5.03%

2311649

1908400

602180

543800

321318

108000

161849

-2294400

-1990331

-1800400

-440332
Liquidate? OR Continue?

Maturity
Value Rs.

Effective
Rate of
Return
(%)

Paid UP
Surrender
Current
Value of
Value of
Valuation of
Policy / Plan - Policy /
Policy / Plan.
Rs.
Plan - Rs.

Make Policy Paid Up?

Planner's
Recommendation

4.99%

963048

825000

336930

Liquidate Policy with Current

Surrender Value

140742

368000

5.46%

108318

108000

37649

Continue to Pay Premium up to

Maturity

113302

418400

5.21%

181423

180400

63898

Liquidate Policy with Current

Surrender Value

301500

6.46%

294000

295000

248000

4.83%

151860

120000

220000

389000

5.16%

400000

380000

155000

175800

3.93%

213000

Samir Patel

11111111

05-03-2003

Yearly

42754

04-03-2027

24

16

75

In Force

500000

42754

513048

171016

LIC

Endowment

Ekta Patel

43543543

04-04-2009

Yearly

10053

03-04-2029

20

20

40

In Force

200000

10053

60318

LIC

Endowment

Samir Patel

6576765

20-03-2004

Yearly

8093

19-03-2029

25

25

42

In Force

200000

8093

89023

LIC

Endowment

Chhotubhai Patel

76876868

14-06-1985

Yearly

3300

13-06-2015

30

30

65

In Force

100000

3300

99000

LIC

Money Back

Samir Patel

56755777

26-09-2004

Half Yearly

5593

25-09-2029

25

25

40

In Force

200000

11186

111860

Regular Premium LIC

Traditional Pension Plan

Chhotubhai Patel

34545435

24-08-1995

Yearly

11000

23-08-2015

20

20

45

In Force

11000

Single Premium Traditional Life

Insurance Plan

22222222

08-07-2004

Single

07-07-2019

15

42

N.A.

150000

2838200

937500

Komal Jeevan

LIC

-620000

Total
Total
Amount
Amount
Payable Receivable
towards
towards
Future
Survival
Premium
Benefit
from
from
Today
Today

LIC

200000

620000

167790

500000

120000

Continue to Pay Premium up to

Maturity
39504

Liquidate Policy with Current

Surrender Value
Continue to Pay Premium up to
Maturity

124200

Stay Invested & Continue

Before Recommendation

575000

After Recommendation

25000

235000

325000

75000

Proposed Changes-Cash Flow

-500000

-25000

-325000

1182949

10.00%

6.67%

142000

138000

109837

62000

58000

-1073112

-80000

-80000
Liquidate? OR Continue?

Sr. No.

1
2

Type of Scheme

Regular Premium - Unit

Linked Insurance Plan
Single Premium - Unit
Linked Insurance Plan

Issued by

Scheme Name

Holder Name

Policy No.

Policy Start
Date

Regular
Premium
Payment
Frequency
Mode

HDFC

Plan1

Samir Patel

23434433

26-09-2007

Yearly

Bajaj

Splan1

Ekta Patel

56577666

04-09-2010

Single

Regular
Insurance
Premium
Outflow
Amount

25000

Regular
Maturity Premium
Maturity Date Period (In Payment
Years)
Term (In
Years)

25-09-2027

20

03-09-2020

10

20

Policy
Status

Attached
Rider (if
any)

Sum
Assured
Amount Rs.

In Force

500000

N.A.

75000

Pension
Plan Value
Rs.

Yearly
Premium
Outflow

25000

Total
Amount
Paid
towards
Premium
Amt. Rs.

175000
60000

Total
Amount
Payable
towards
Future
Premium
from Today
325000

Maturity
Value Rs.

Projected
Growth
Rate from
today on
ULIP /
ULPP

Current
Surrender
Effective
Valuation of
Value of
Rate of
Policy /
Policy / Plan Return (%)
Plan.
Rs.

Make Policy Paid Up?

Planner's
Recommendation

1073112

10.00%

6.82%

80000

80000

Liquidate Policy with Current

Surrender Value

109837

10.00%

6.23%

62000

58000

Stay Invested & Continue

22-09-2014

1066500

Total No. of
IF SIP OR
Monthly
Date of
SWP,
Present
Transactio
Investment
Monthly
Investment Mode
n through
OR Start Date
Amt. of SIP
SIP OR
OR SWP
SWP
31-10-2007 Lumpsum
25-02-2009

SIP Running -For

Retirement

Investment
Amount Rs.

25000
5000

48

2042515

Price
NAV Rs.

97.25

Unit
Alloted

257.07

Dividend
Recd. /
SWP
Amount

Holder Name

Samir Patel

Folio No.

Asset
Class

4565464565

Equity

Scheme
Type

Open Ended

Scheme
Primary
Purpose

Fund
House

Growth

Birla

Current
Current NAV
Fund Value
Price
Rs.

976015

26.26%

CAGR (%)
Net Profit / For >1 Year
Loss
Abs. Ret.
For <1 Year

Fund Category

Fund SubCategory

Birla Sun Life MIDCAP Fund-Growth

Equity - Diversified

Mid & Small Cap

257.069

166.53

42810

17810

8.11%

Reliance Growth Fund-Growth PlanGrowth Option

Equity - Diversified

Multi Cap

599.164

663.75

397696

157696

23.24%

Debt - Liquid

Liquid

4232.804

26.22

110971

30971

9.80%

Scheme Name

No. of Units

240000

400.56

599.16

Samir Patel

4565465467

Equity

Open Ended

Growth

Reliance

24-03-2011 STP Out

80000

18.90

4232.80

Samir Patel

464534888

Debt

Open Ended

Liquid

HDFC

HDFC Liquid Fund-GROWTH

10-10-2007 Lumpsum

12500

259.98

48.08

Ekta Patel

345465777

Equity

Open Ended

Growth

Birla

Birla Sun Life Equity Fund-Plan B(Growth)

Equity - Diversified

Large & Mid Cap

48.081

417.13

20056

7556

7.03%

HDFC

HDFC MID-CAP OPPORTUNITIES FUND Growth Option

24-03-2011 STP in

70000

04-01-2008 Lumpsum

72000

27-07-2007 Lumpsum

18000

12.12
16.18
40.21

5775.58
4449.39
447.65

Samir Patel
Samir Patel
Samir Patel

23-08-2011 Lumpsum

25000

126.93

196.96

Samir Patel

14-04-2009 Lumpsum

76000

129.73

585.85

Ekta Patel

07-10-2011 Lumpsum
24-07-2010

SIP Running -For

Retirement

23500
7500

31

10-10-2011 Lumpsum
SIP Running -For
01-01-2009
General Goal

3000

49

94.58

248.47

Samir Patel

8823434323
663665465
965675675

Equity
Equity
Equity

Open Ended
Open Ended
Open Ended

Growth
Growth
Growth

Equity - Diversified

Mid & Small Cap

5775.578

30.49

176115

106115

30.15%

DSP

DSP BlackRock Equity Fund - Regular Plan

- Growth

Equity - Diversified

Multi Cap

4449.388

24.42

108654

36654

6.31%

DSP

DSP BlackRock India T.I.G.E.R. Fund Regular Plan - Growth

Equity - Thematic &

Others

Infra

447.650

59.35

26567

8567

5.59%

Equity - Diversified

Tax Planning

196.959

242.50

47763

22763

23.35%

96786776

Equity

Open Ended

ELSS

ICICI

ICICI Prudential Tax Plan - Regular Plan Growth

5475675676

Equity

Open Ended

Growth

HDFC

HDFC Equity Fund - Growth Option

Equity - Diversified

Large & Mid Cap

585.852

435.35

255049

179049

24.91%

ICICI

ICICI Prudential Dynamic - Regular Plan Growth

Equity - Diversified

Large & Mid Cap

248.467

172.91

42963

19463

22.60%

1232.000

347.25

427813

195313

42.83%

2342423323

Equity

Open Ended

Growth

232500

188.72

1232.00

Samir Patel

324324324

Hybrid

Open Ended

Balanced

HDFC

HDFC Prudence Fund - Growth Option

Hybrid -Balanced

Hybrid - Equity
Oriented

45000

54.50

825.69

Samir Patel

345435435

Equity

Open Ended

ELSS

SBI

SBI MAGNUM TAXGAIN SCHEME 1993 REGULAR PLAN- GROWTH

Equity - Diversified

Tax Planning

825.688

99.01

81749

36749

22.40%

147000

154.74

950.00

Samir Patel

234432432

Equity

Open Ended

Growth

HDFC

HDFC Top 200 Fund - Growth Option

Equity - Diversified

Large Cap

950.000

320.33

304310

157310

32.06%

Plan Date :
22-09-2014

Sr. No.

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

(Optional)
Investment
Date

Select Stock - NSE

Price Data on :
NSE
Symbol

22-12-2011 AJANTPHARM

26-Aug-14

NSE Series

EQ

OR

Total Value >>

Stock Portfolio

Select Stock - BSE

Price Data on :
BSE Stock
Name

N.A.

Group

Type

Stock Name

Ajanta Pharma

Total Value

29640

Quantity /
No. of
Stocks
120

Purchase
Cost /
Average
Cost Rs.
247

Total
Investment
Value Rs.
29640

195150 << Stock Portfolio

Current
Price of
Stock (Rs.)
1626.25

Total Market
Value of
Stock - (Rs.)
195150

Planner's Advice
Cash=>

Profit /
Abs.
Sale Qty.
Loss
Return OR
Amount Rs.
Amount ( if any)
CAGR %
Rs.
165510

98.27%

Existing Investment Portfolio Analysis

Liquidity Category & Liquidity Level Analysis
Liquidity Category
Illiquid
Liquid
Grand Total

Sum of Current Value Rs.

Sum of Surrender Value
5319250
2912922
2873070
2589621
8192320
5502543

Sum of Current Value Rs.Sum of Surrender Value

Liquidity Level
High
Low
Moderate
Very High
Grand Total

Risk Level Analysis

Sum of Current Value Rs.

Sum of Surrender Value
2326694
2064752
4328046
2020837
1241080
1127172
296501
289782
8192320
5502543

Sum of Current Value Rs.Sum of Surrender Value

Sum of Current Value Rs.

Risk Level
High
Low
Moderate
Very High
Grand Total

Sum of Current Value Rs.Sum of Surrender Value

Sum of Current Value Rs.

Liquid
35%

Low
53%

Sum of Current Value Rs.

Sum of Surrender Value
2645730
2291357
4723627
2499791
627813
565032
195150
146363
8192320
5502543

Sum of Current Value Rs.

Low
58%
Moderate
15%

Illiquid
65%

High
28%

Values

Values

Sum of Current Value Rs.

Sum of Surrender Value
2146007
1788859
6046314
3713684
8192320
5502543

Sum of Current Value Rs. Sum of Surrender Value

Return Efficiency
High
Low
Moderate
Grand Total

Values

Current Asset Allocation

Sum of Current Value Rs.

Sum of Surrender Value
2126694
1884752
2608150
891962
3457477
2725829
8192320
5502543

Sum of Current Value Rs.Sum of Surrender Value

Sum of Current Value Rs.

Asset_Type
Sum of Current Value Rs.
Sum of Surrender Value
Sum of Current Value Rs.Sum of Surrender Value
Cash
296501
289782
Debt
4427126
2210010
Equity
1840880
1637720
Gold
200000
180000
50,00,000
Hybrid
427813
385032
45,00,000
Properties
1000000
800000
Grand Total
8192320
5502543
40,00,000

Current Asset Allocation

35,00,000

Sum of Current Value Rs.

30,00,000

Axis Title

Fixed
26%

25,00,000
20,00,000

High
26%

15,00,000
10,00,000

Moderate
42%

Variable
74%

5,00,000
0
Cash

Debt

Equity

Gold

Hybrid

Properti
es

Sum of Current Value Rs.

296501

4427126

1840880

200000

427813

1000000

Sum of Surrender Value

289782

2210010

1637720

180000

385032

800000

Low
32%

Values

Very High
2%

High
32%

Return Type & Return Efficiency Analysis

Return Type
Fixed
Variable
Grand Total

Moderate
8%

Other
10%

Very High
4%

Values

Asset_Type

Current Investment : : Asset Allocation Analysis :

50,00,000
45,00,000
40,00,000

Debt
56%

35,00,000

Equity
26%

30,00,000
25,00,000

20,00,000
15,00,000
10,00,000

Gold
2%

5,00,000
0

Cash

Debt

Equity

Gold

Properties

Current Value

296501

4583332

2118959

200000

1000000

Surrender Value

289782

2350596

1887991

180000

800000

Properties
12%

Cash
4%

Cash

Debt

Equity

Gold

Properties

30,00,000

Post Office Scheme

18%
25,00,000

Life Insurance
30%

Bonds / NCD's & Co. FD's

5%
Stock Market
2%

20,00,000

15,00,000

10,00,000

Physical Gold / Funds /

ETF
3%

Mutual Funds
25%

5,00,000

Properties Investment
12%

0
Cash
Account

Bank FDR

Mutual
Funds

Stock
Market

Bonds /
NCD's &
Co. FD's

Post
Office
Scheme

Life
Insurance

Physical
Gold /
Funds /
ETF

Properties
Investmen
t

Retiremen
t Fund

Current Value

95530

198727

2042515

195150

363163

1495059

2453649

200000

1000000

155000

Surrender Value

95530

183354

1847141

146363

326847

1188953

740180

180000

800000

Retirement Fund
Bank FDR
Cash Account
2%
2%
1%
Cash Account

Bank FDR

Mutual Funds

Stock Market

Bonds / NCD's & Co. FD's

Post Office Scheme

Life Insurance

Physical Gold / Funds / ETF

Properties Investment

Retirement Fund

Existing - Mutual Fund Portfolio Analysis

Asset Class
Debt
Equity
Hybrid
Grand Total

Sum of Current Fund Value

Rs.
110971
1503730
427813
2042515

Sum of Current Fund Value

Rs. - %wise
Current MF -Asset Allocation 5.43%
Debt
Equity
73.62%
73.62%
Hybrid
20.95%
20.95% 100.00%
Grand
5.43%Total

Asset
Sum of Current Fund
ValueClass
Rs. - %wise

100.00%

Sum of Current Fund Value Rs. - %wise

Scheme Type

0.00%
Debt

Equity

Hybrid

Asset Class

Sum of Current Fund Value

Rs.
Scheme Type
Open Ended
Grand Total

Asset Class

Scheme Type

Debt

Equity

Hybrid

110971
110971

Grand Total

1503730
1503730

427813
427813

Open Ended
Grand Total

2042515
2042515

Scheme Type
Open
Ended
Sum of Current
Fund
Value
Rs. - %wise
100.00%
100.00%

100.00%

####
####
####
####
####
####
####
####
####
####
####
####
####
####
####
####
####
####
####
####
####
####

Sum of Current Fund Value

Rs.
Fund House
Birla
Reliance
HDFC
DSP

Asset Class
Debt

Equity

110971

ICICI
SBI
Grand Total

Hybrid
62866
397696
735474
135221

Grand Total

427813

90726
110971

81749
1503730

Sum of Current Fund Value Rs. - %wise

62866
397696
1274258
135221

AMC wise Allocation

90726
427813

Sum of Current Fund Value

Rs. - %wise
Birla
3.08%
Reliance
19.47%
DSP , 6.62%
HDFC
62.39%
ICICI , 4.44%
DSP
6.62%
ICICI
4.44%
Other, 8.44%
SBI
4.00%
Grand Total
100.00%
Fund House

81749
2042515
HDFC , 62.39%

SBI , 4.00%
Reliance , 19.47%

Birla , 3.08%

####
Asset Class

####
Debt

Fund Category
Debt - Liquid

Fund Sub-Category
Liquid

Fund House
HDFC

Liquid Total
Debt - Liquid Total
Debt Sum
Equity

Equity - Diversified

Large & Mid Cap

0.98%
12.49%

42963

2.10%

318068

15.57%

Birla

42810

2.10%

HDFC

176115

8.62%

218924

10.72%

Reliance

397696

19.47%

DSP

108654

5.32%

506350

24.79%

47763

2.34%

81749

4.00%

ICICI
SBI

Tax Planning Total

HDFC

Large Cap Total

Equity - Diversified Total
Equity - Thematic & Others

Infra

5.43%

255049

Multi Cap Total

Large Cap

5.43%

110971
HDFC

Mid & Small Cap Total

Tax Planning

5.43%

110971
20056

ICICI

Multi Cap

110971

Birla

Large & Mid Cap Total

Mid & Small Cap

Sum of Current Fund Value Rs. %wise

110971
5.43%

Sum of Current Fund Value Rs.

DSP

Infra Total
Equity - Thematic & Others
Total

Sum of Existing SIP /SWP

Amount Rs.

5000
5000

129511

6.34%

304310

14.90%

3000

304310

14.90%

3000

1477164

72.32%

8000

26567

1.30%

26567

1.30%

26567

1.30%

1503730

73.62%

8000

427813

20.95%

7500

427813

20.95%

7500

427813

20.95%

7500

Hybrid Sum

427813

20.95%

7500

Grand Total

2042515

100.00%

15500

Equity Sum
Hybrid

Hybrid -Balanced

Hybrid - Equity Oriented

Hybrid - Equity Oriented Total

Hybrid -Balanced Total

HDFC

XLFInplan

Existing - Mutual Fund Portfolio Analysis : : Schemewise

Asset Class
Debt

Fund Category
Debt - Liquid

Fund Sub-Category
Liquid

Scheme Name
HDFC Liquid Fund-GROWTH

Expense Ratio

Sum of Current
Fund Value Rs.

Assets
0.15

19232.26

Liquid Total
Debt - Liquid Total
Debt Sum
Equity

Equity - Diversified

Large & Mid Cap

0.98%

HDFC Equity Fund - Growth Option

ICICI Prudential Dynamic - Regular Plan Growth

2.17

12886.05

255049

12.49%

2.23

4253.86

42963

2.10%

318068

15.57%

Birla Sun Life MIDCAP Fund-Growth

HDFC MID-CAP OPPORTUNITIES FUND Growth Option

2.43

1116.79

42810

2.10%

2.42

4496.34

176115

8.62%

218924

10.72%

2.2

4483.57

397696

19.47%

2.34

2004.37

108654

5.32%

506350

24.79%

Reliance Growth Fund-Growth Plan-Growth

Option
DSP BlackRock Equity Fund - Regular Plan Growth
ICICI Prudential Tax Plan - Regular Plan Growth
SBI MAGNUM TAXGAIN SCHEME 1993 REGULAR PLAN- GROWTH

2.46

1874.08

47763

2.34%

2.08

4371.69

81749

4.00%

HDFC Top 200 Fund - Growth Option

2.24

11657.35

Large Cap Total

Equity - Diversified Total
Equity - Thematic & Others

Infra

5.43%

20056

Tax Planning Total

Large Cap

5.43%

110971
794.82

Multi Cap Total

Tax Planning

5.43%

110971
2.58

Mid & Small Cap Total

Multi Cap

110971

Birla Sun Life Equity Fund-Plan B(Growth)

Large & Mid Cap Total

Mid & Small Cap

110971

Sum of Current
Sum of Existing
Fund Value Rs. SIP /SWP Amount
%wise
Rs.
5.43%

DSP BlackRock India T.I.G.E.R. Fund - Regular

Plan - Growth

2.47

1212.54

Infra Total
Equity - Thematic & Others
Total

5000

5000

129511

6.34%

304310

14.90%

3000

304310

14.90%

3000

1477164

72.32%

8000

26567

1.30%

26567

1.30%

26567

1.30%

1503730

73.62%

8000

427813

20.95%

7500

427813

20.95%

7500

427813

20.95%

7500

Hybrid Sum

427813

20.95%

7500

Grand Total

2042515

100.00%

15500

Equity Sum
Hybrid

Hybrid -Balanced

Hybrid - Equity Oriented

Hybrid - Equity Oriented Total

Hybrid -Balanced Total

HDFC Prudence Fund - Growth Option

2.22

5833.88