Financial Planning of MR A Final

Financial Plan Date:..
Strictly Private & Confidential
Comprehensive Financial Plan of

Mr. X
Bonanza Portfolio Ltd

Bonanza House, Plot No. M-2,
Cama Industrial Estate, Walbhat Road,
Goregaon (East), Mumbai - 400 063
Contact: fasupport@bonanzaonline.com, Website: www.bonanzaonline.com
Wealth Management and Financial Planning,

Bonanza Group, Mumbai
Table of Contents
Sr. No.
1
2
3
4
5
6
6.1
7
8
9
10
11
12
13
14
15
Topic
Introduction
Assumptions
Personal Details and Financial Goals
Current Net-worth
Current Asset Allocation
Monthly Cash-Flow Analysis
Allocation of bank FDs towards your goals
Retirement Planning
Planning for Financial Goals
Summary Planning Financial Goals
Life Risk Coverage
Net-worth growth projections
Other risk coverage
Yearly Cash-Flow projections until retirement
Summary Action Plan
Disclaimer
1. INTRODUCTION
We appreciate and welcome your step towards securing your financial future. Financial planning is an
organized process of meeting your life goals through proper management of your finances. Decisions
you make regarding work, spending, investments and retirement, both now and in future, will
significantly affect your financial condition over long term. It is our endeavor to assist you in best
possible manner in understanding of your Comprehensive Personal Financial Plan designed on the
basis of financial conditions and goals you have provided.
Bonanza Portfolio Limited has relied upon the accuracy of the data you have provided and has not
attempted to check its veracity. Based upon your risk proclivity, age, financial objectives and current
asset-liability scenario, recommendations have been provided along with desired asset allocation for
meeting your goals. Asset allocation analysis uses historic performance as well as forecast performance
which we believe is reasonable and prudent; however, such forecast performance is not guaranteed.
This report is based on prevalent economic conditions and expected economic conditions, and asset
allocation/ product recommendation as suitable according to those assumptions.
Purpose of this report is to present you with a roadmap for achieving your objectives. As your financial
conditions may change over time, this report should not be considered final or definitive, but as closest
possible guideline for achieving your objectives. It is important to update changes in your personal
profile and financial conditions in order to re-evaluate your objectives and track the performance of
earlier stated goals.
Your actual future investment returns, tax levels and inflation are unknown. This illustration uses
representative assumptions in a financial planning calculation model to generate a report for education
and discussion purposes. Calculations and assumptions within this report may not reflect all potential
fees, charges, and expenses that might be incurred over the time frame covered by these illustrations
which, if included, may result in lower investment returns and less favorable illustration results.
2. ASSUMPTIONS
a. Risk Proclivity:
On the basis of your risk assessment and age your risk profile as an investor falls in Moderate
Category.
Moderate Investor Profile: A moderate investor is one with balanced risk taking capacity
while making investments and is able to hold investments in downturn up to a certain predefined extent. Asset allocation is balance of income and growth investments opportunities.
Returns expectation of a moderate investor is greater than taxes and inflation.
b. Inflation and Discount rate:
Inflation is assumed @ 7% per annum

General living expenses are assumed to rise at inflation rate
Other special expenses like Education, medical expenses etc. are assumed to grow @ 10% /
annum
Income is expected to grow @ 10% / annum
Rental income is assumed @ 2.25% per annum and is expected to grow @ 7.5% per annum.
Life expectancy of you and your wife is based on the mortality chart from life-insurance
industry
Post-tax rate of returns for different asset classes used in calculations has been specified in part
c
Avg. rate of returns is assumed to be different for different Goals and has been specified in the
planning of respective financial goal.
Rate of return on retirement corpus is assumed to be @8.5% p.a.
Any other assumption pertaining to specific Goal is mentioned during discussion of the same.
c. Target returns on Investment products (pre-tax and post-tax)
Projected returns on Equity investments is taken as 15.40% (as CAGR for 10 years from 4th
Mar 2005 to 4th March 2015)
Projected returns on bullion investments is taken as 11.18% (Gold CAGR for 10 years 4th Mar
2005 to 4th March 2015)
It is assumed that investor pays approx 15 % tax on his income.
Taxation on debt instruments and bullion is considered 20% with indexation benefits (after 3
years)
Asset Class
Equity
Debt Long term
Liquid Mutual Funds
Bullion
Savings a/c
Bank FD
PPF/ EPF
Land and Real Estate
Approx. Target
annualized Return
(pre-tax)
15.40%
11% - 12%
8% - 9.2%
11.18%
5.0% -6.0%
8.50% 9.00%
8.2% - 8.5%
15% in our
illustration
Approx. Target annualized return (post-tax)

15.40%
10.8% (with indexation benefit post 3 years)
Approx. 4.15% - 4.49% (As per income tax slab)
Approx. 7.40%- 7.55% (As per income tax slab)
8.2% - 8.5%
15% (investment schemes available to avoid Long
term capital gains tax)
3. CLIENTS PERSONAL DETAILS AND

FINANCIAL GOALS
CONTACT DETAILS AND TAX STATUS
Contact No.
Address
Tax Status
Email id
PERSONAL DETAILS
Name
Mr. X
Mrs. Y
Ms. A
Mr. B
DOB
Age 45
Age- 41
Age- 15
Age-10
Relationship
with Client
Self
Wife
Daughter
Son
Dependent
(Y/N)
N
N
Y
Y
Occupatio
n
Salaried
Salaried
-
Annual Income
(post-tax)
FINANCIAL GOAL (as provided by yourself)

Financial Goal
Target
Year
Current
allocated
funds
Approx. funds
required in current
scenario
Priority
Medical Emergency
Plan for Retirement
Pay off Mortgage Loan
Higher Education for Sharvari
Higher Education for Ruturaj
Marriage Corpus for Sharvari
Accumulate an Emergency Fund
Marriage Corpus for Ruturaj
Leisure/World Tour
2025
2020
2019
2021
2025
2023
2025
2030
2017
4,00,000
5,00,000 p.a.
20,00,000
10,00,000
15,00,000
15,00,000
2,00,000 p.a.
15,00,000
3,00,000
1
1
2
2
2
3
3
4
4
Present Shortfall
4. CURRENT NETWORTH
ASSET CLASS ASSET TYPE
Saving/ Current Bank A/c
Cash Balance
Cash and
Reserves
Bank FDs
TOTAL
Shares
MFs*
Equity
ULIP
TOTAL
Others (Corporate FD's)
Debt
Total
Gold
Bullion
Silver
TOTAL
PPF
EPF
Retirement
Corpus
Pension Scheme (LI)
TOTAL
Residential 1
Land and Real
Residential 2
Estate
TOTAL
Car (4 Wheeler)
Bike
Automobile
TOTAL
TOTAL ASSETS
LIABILITY TYPE
Mortgage Loan
Car Loan
Loan
Personal Loan
Gold Loan
TOTAL LIABILITIES
LIQUIDITY
High
High
High
High
High
High
Medium
High
High
Medium
Medium
Medium
Low
Low
Low
Low
Amount (Rs.)
22,00,000
6,75,000
-
28,75,000
Amount (Rs.)
23,92,931
23,92,931
3,00,000
3,00,000
10,00,000
10,00,000
5,00,000
5,00,000
35,00,000
1,00,00,000
1,35,00,000
7,95,000
90,000
8,85,000
1,85,77,931
%
76.52
23.48
-
%
0.00%
0.00%
12.88 %
12.88%
0.00%
1.61%
0.00%
1.61%
0.00%
0.00%
5.38%
0.00%
5.38%
2.69%
0.00%
0.00%
2.69%
18.84%
53.83%
72.67%
4.28%
0.48%
4.76%
100.00%
100%
*Estimated from the amount of SIP you are doing (This is indicative figure, actual value can be higher)
NETWORTH = ASSETS LIABILITIES = 1, 85, 77,931 - 28, 75,000= 1, 57, 02,931
5. CURRENT ASSET ALLOCATION

It is important that your current asset allocation is in line with your risk profile and financial goals
diversified across different asset class to meet your objectives. You are advised to compare your
present asset allocation with suggested asset allocation which may be more appropriate and beneficial
for your situation. Assets data provided by you has been used to create the following chart.
Out of your total assets, 73% is in Land and real estate, 3% in Retirement corpus, 5% in Bullion, 1% in
Equity, 18% in Cash and Reserves and 5% in Automobile. Overexposure to any particular asset
class may be very risky if anything goes wrong with that particular asset class. Hence, we
recommend you to diversify your existing investments across different asset classes as illustrated below
(Refer Recommended Asset Allocation Chart).
Current Asset Value : High Liquid Assets

Cash and Reserves
2,392,931
Equity
300,000
Bullion
1,000,000
Total
3,692,931
Current Asset Value : Medium Liquid Assets
PPF
500,000
EPF
Pension Scheme (LI)
Total
500,000
%
12.88%
1.61%
5.38%
19.88%
%
2.69%
0.00%
0.00%
2.69%
Current Asset Value : Low Liquid Assets

Land & Real Estate
13,500,000
Automobile
885,000
Total
14,385,000
TOTAL ASSETS VALUE
18,577,931
%
72.67%
4.76%
77.43%
100%
Note:
Making changes in your investment allocation as per our recommendation shall help you in
achieving your goals in timely and comparatively less risky manner due to asset diversification.
However, final decision to invest according to a particular recommendation is yours alone.
Investment allocation needs to be reviewed at least on an annual basis to help you stay on track.
This annual review is similar to an annual health check up that you must undergo to make sure
that nothing has gone wrong since the previous check up.
6. MONTHLY CASHFLOW ANALYSIS

Income
Post-tax
Monthly
Salary
Income
from
Business/
Professio
n
Rental
Income
Annuity
Income
Pension
Income
Other
Income
Total
Income
Mr.
X
Mrs. Y
Expenses
100
Household
1,16,667
29,167
Entertainme
nt
Travelling
116,667
29,167
100%
Mrs. Y
% of
total
income
Savings/
Investment
12,000
8.23
Equity MF
500
0.34
12,000
27,000
Mr. X
Mr. X
%of
total
income
Mrs. Y
6,000
4.11
Bank FDs
0.00
8.23
Cash and
Equivalent
0.00
18.51
Debt
0.00
14,000
9.60
Bullion
8,000
5.49
4,111
2.82
PPF/ EPF
etc.
8,000
5.49
Medical
Expenses
1,000
0.69
Insurance
Premium
(inv. grade)
18,263
5,228
16.11
Miscellaneo
us Expenses
1,000
0.69
1,000
0.69
72,611
49.79%
Total
Savings
40,263
5,228
31.19%
EMI Home Loan

EMI - Car
Loan
Insurance
Premiums
(term plan/
Medical/GI/
Vehicle)non
investment
grade)
Others
Total
Expenses
Based on the current monthly expenses, following is an overview of your monthly expenses:
As seen in the chart above, 56% of your expenses are diverted towards EMI (i.e. 37% for Home Loan
& 19% for Car Loan EMI). However, the same will come down post 2020. (As O/s term of your Car
loan is for next 5 years).
CURRENT INCOME EXPENSE SCENARIO
Total Income (post-tax)
1,45,833 As % of Income
Total Expenses
72,611
49.79%
Total Investments
45,491
31.19%
Investible Surplus
27,731
19.02%
Your current monthly expenses account for approx. 50% and investments accounts for 31% of total
income on monthly basis. You have substantial investible surplus every month as per your risk
appetite. Below is the snapshot of your current recurring monthly expenses and investments.
CURRENT MONTHLY INVESTMENTS-EXPENSES SCENARIO

Allocation Type
Expense
Investments
Cash and Reserves
Investment/ Expense Head

Total Expenses
Equity Investments
Bullion Investment
Endowment Policy Premium
Retirement Corpus
Cash and Reserves
Total
Amount % of Total
(in Rs.)
Income
72,611
49.79%
6,000
4.11%
8,000
5.49%
23,491
16.11%
8,000
5.49%
27,731
33.78%
1,45,833
100.00%
Total %
allocation
49.79%
31.19%
19.02%
100.00%
Illustrated below is recommended recurring monthly percentage allocation for your expenses,
investments and cash reserves
RECOMMENDED MONTHLY INVESTMENTS-EXPENSES SCENARIO

Allocation Type
Investment/ Expense Head
Expenses
Total Expenses
Equity Investments
Bullion Investment
Retirement Corpus
Debt
Endowment Policy Premium
Cash and Reserves
Investments
Cash and Reserves
Amount
(in Rs.)
72,611
10,544
7,030
8,787
8,787
23,491
14,583
1,45,833
% of Total
Income
49.79%
7.23%
4.82%
6.03%
6.03%
16.11%
10.00%
100%
Total %
allocation
49.79%
40.21%
10.00%
100.00%
Please note that as your income will increase there will be proportionate change in expenses and
investments. Following asset allocation table should be used as guideline for your investment
diversification. E.g.: If from your income you are planning to invest Rs.100 then Rs. 30 should be
invested in equities, Rs. 20 in bullion so on and so forth.
% of total monthly Investments
Asset Class
Equity
30%
Bullion
20%
Retirement Corpus
25%
Debt
25%
Total
100%
This asset allocation is recommended keeping in view your age and moderate risk proclivity as
inferred from risk profiling questionnaire that you have submitted. This allocation will change if
there is any material change in your financial condition, age, financial goals or any other pertinent
factor relevant to financial planning.
6.1 ALLOCATION OF BANK FDs

TOWARDS YOUR GOALS
Based on the information provided, you have investments in Bank FDs of Rs.34.77 Lacs in your name.
Bank FDs are one of the low post tax yielding investments. Your Bank FDs would fetch a pre tax return
in the range of 8.75%-9.00% p.a. However, if you consider tax (at the highest tax slab of 15%), the
yield drops to approximately 7.40% p.a.- 7.65% p.a. which is low considering other investment avenues
available.
We also recommend you to park the funds in Liquid plus/ ultra short term funds for any immediate
need. Liquid Plus/Ultra short term funds will deliver post tax returns in the range of 7.5%-8% p.a. (in
current scenario) with safety and liquidity of funds.
Sr.
No
FD Account No.
Principal
Amount.
01754470079836
20817.14
01754470199436
500000
01754470204252
27114
4
5
01754470204279
50300005914381
25000
700000
50300005914457
Maturity
Date
Action
05 Jan 2016
Liquidate
03 Nov 2017
Hold
17 Jan 2016
Liquidate
30187.7
965355.3
17 Jan 2016
13 Jun 2018
Hold
Hold
100000
137907.8
13 Jun 2018
Hold
50300005914460
100000
137907.8
13 Jun 2018
Hold
8
9
50300006335728
50300006840822
170000
240000
234441
330980
19 Jun 2018
26 Jun 2018
Hold
Hold
10
11
50300027725542
50300039594834
25000
180000
28312.4
203839.2
10 Jan 2016
17 Apr 2016
Hold
Hold
12
50300040762483
180000
189015.90
28 Apr 2016
Liquidate
13
50300041930341
25000
26222.48
06 May 2016
Liquidate
14
50300062269881
100000
102761.64
21-Oct-15
Liquidate
2392931.14
369468.85
Total
Current
Value of
your FD's*
21138.92
Maturity
Value**
689518
30329.90
Allocated for Goal
Emergency
reserves
Sharvari's higher
education
Emergency
reserves
Leisure tour
Ruturaj higher
education
Ruturaj higher
education
Ruturaj higher
education
Medical emergency
Sharvari's higher
education
Leisure tour
Ruturaj higher
education
Emergency
reserves
Emergency
reserves
Emergency
reserves
Asset
class to be
invested
Debt
Equity
Debt
Debt
Equity
Bullion
EPF/PPF
Equity
Debt
Debt
EPF/PPF
Debt
Debt
Debt
2758449.2
*Current FDs to be broken and proceeds to be reinvested into debt funds. Interest penalty of 1% and tax of 30% has been
considered while arriving at the current value of FDs
** Maturity value is considered after being taxed @30%
7. RETIREMENT PLANNING
Retirement planning is one of the most important aspects of Financial Planning and unfortunately dealt
with least consideration by many. Since, most of us dont properly plan for our retirement at an early
stage; we end with unpleasant financial situations at later part of life, when we expect to live most
comfortably. Earlier you retire the longer you live, meaning capital built up during working life span
will need to last longer in retirement period. We have used the liquidation approach i.e. Surplus assets/
investments you build up during employment, retirement funds etc. will all be used up during your
retirement period. As with all aspects of the plan, the assumptions should be reviewed from time to
time. We strongly advise that your plan is updated at least every 12 months and is also reviewed each
time your circumstances change.
Assumptions
Estimated Life expectancy of Mr. X
Estimated Life expectancy of Mrs.Y
Your target retirement year
Current Monthly expenses (A), 49.79% of income
Home Loan and Car Loan EMI (B)
Insurance premiums (C)
Total Living expenses (A-B-C)
Annual growth in yearly expenses @ inflation
Expense reduction after Ms. A goes for higher education
Expense reduction after Mr. B goes for higher education
Expense reduction after As marriage
Expense reduction after Bs marriage
Expense reduction on fatality of spouse
General reduction in expenses after retirement
82 years
85 years
2020
72,611
41,000
4,111
27,500
7%
5%
5%
5%
5%
10%
10%
Note: Home loan EMI and Insurance policy premiums continues much beyond your retirement
and hence the EMI and insurance premiums payable after retirement has been considered
separately and added to your total required retirement corpus.
PROJECTED RETIREMENT CORPUS

Projected funds required by your target retirement age (5 years
from now,2020) to maintain your current lifestyle- (A)
Projected estimate of Insurance premiums to be paid post
retirement (B)
Projected Home loan EMI to be paid after retirement (C)
Approx. total funds requirement by year 2020 ( retirement after 5
years) (A+B+C)
Rs. 1.00 Crore

Rs.5.31 Lakh
Rs. 17.99 Lakh
Rs 1.24 Crore
To live comfortable retirement life, you would need approx. Rs 1.24 Cr after 5 years. In order to
make provision for the required corpus, we recommend the following steps to be taken, which will
help you to accumulate sufficient corpus by the time you retire:
a. Allocate existing liquid assets (as per schedule A) towards Retirement Corpus
b. Allocate 100% rental income from your residential property towards your retirement life
c. Allocate certain percentage (as per schedule C below) of your monthly income towards
building your retirement corpus, which shall grow at an avg. growth rate of 8.5%/ annum
SCHEDULE A ALLOCATION OF EXISTING LIQUID ASSETS TOWARDS

RETIREMENT PLANNING
Recommended
allocation from
current asset
PPF Balance
Bullion
TOTAL
Goal
Fund
Allocation
Plan for Retirement

Plan for Retirement
5,00,000
1,25,000
Years
to go
5
5
Target
growth /
annum ##
8.50%
10%
Invest in
Retirement
Bullion
Future value
of funds
7,51,828
2,01,314
9,53,142
## Refer assumptions
SCHEDULE B ALLOCATE
RETIREMENT PLANNING
100%
RENTAL
INCOME
TOWARDS
We have considered the post tax rental income of Rs. 2,25,500 from 2016 onwards which can fund
substantial portion of retirement corpus. We have assumed that your rental income may also grow @
7.5% p.a. and that rental yield will be approx. 2.25% of your property value
Particulars
Thane Property Value
Rental Yield
Rental Income Generated
Amount (Rs.)
1,00,00,000
2.25% p.a.
2,25,500 p.a.
SCHEDULE C REGULAR MONTHLY INVESTMENTS FOR BUILDING

RETIREMENT CORPUS (Below representation is on annual basis):
Year
Funds for
Retirement*
% of
Income
Future Value of
Investment in 2020**
2015
2016
2017
2018
2019
Total
87,500
1,07,500
3,06,719
6,99,102
7,67,257
19,68,077
5.00
5.00
13.00
27.00
27.00
1,36,622
1,54,701
4,06,812
8,54,603
8,64,441
24,17,179
* Your income is assumed to grow @ 10% per annum. For e.g.: in 2015 your annual income is 17.50 lacs and
5% i.e.Rs.87, 500 are invested for this goal. Next year your income increase by 10% to 19.25 lacs and 5% =
1.07 Lacs is invested for this goal.
**Investments in Retirement funds growing at an avg. rate @8.5%/ annum (refer assumptions)
IMPACT OF SUGGESTED RECOMMENDATIONS

Earlier projected shortfall in retirement funds (i)
Present value of Rental Income (ii)
Future value of existing liquid assets allocated (refer schedule A) (iii)
Future Value of recommended monthly investments growing (refer schedule C) (iv)
Surplus (i-ii-iii-iv)
1,24,01,435
98,81,716
9,53,142
24,17,179
8,50,602
By following the above investments and asset allocation you will be able to accumulate Corpus for
Retirement by the year 2020.
8. FINANCIAL GOALS
Financial goals as specified by you are mentioned in the table below. Present funds allocated by you
towards specific goals and approximate present value of goal are also mentioned for your reference.
FINANCIAL GOALS
Financial Goal
Medical Emergency
Plan for Retirement
Pay off Mortgage Loan
Higher Education for
Sharvari
Higher Education for
Ruturaj
Marriage Corpus for
Sharvari
Accumulate Emergency
Need
Marriage Corpus for
Ruturaj
Leisure/World Tour
Total
Target
Year
2025
2020
2019
Current
allocated
funds
-
Approx. funds
required in current Priority Present Shortfall
scenario
4,00,000
1
(4,00,000)
Already Covered in Section 7
20,00,000
2
(20,00,000)
2021
10,00,000
(10,00,000)
2025
15,00,000
(15,00,000)
2023
15,00,000
(15,00,000)
2025
2,00,000 p.a.
(2,00,000) p.a.
2030
15,00,000
(15,00,000)
2017
3,00,000
84,00,000
(3,00,000)
(84,00,000)
There is whooping shortfall of around Rs. 84 Lacs in current money terms to meet your financial
goals and this gap will only increase with time if regular investments and proper allocation of
existing assets are not done.
If investments are done in regular and planned manner (as recommended in this report) you should
be able to accumulate required funds at required time for the specific Goal. Your all financial Goals
are discussed below and recommended steps to be taken to help you meet your goals:
Pay Off Mortgage Loan

As mentioned, you would like to pay off your existing home loan of Rs 20 Lacs post 4 years.
Considering that you avail the tax benefit for the EMI paid towards home loan, we do not recommend
you to pre pay the same. Also, you can comfortably suffice the EMI payable from your current cash
flows till your retirement. Further, post retirement the provision of your home loan EMI has been
added in your required retirement corpus (Refer Retirement Goal for the same). Hence, we
recommend you to accumulate the required corpus for other priority goals instead of utilizing your
liquidity towards prepaying this loan. We suggest you to revisit this goal post achievement of your
other priority goals.
Medical Emergency Fund

Financial
Goal
Recommended
Funds required
Fund provision
as per current
from
current
mkt. conditions
liquid assets*
Years
to go
Target
Year
Future value of
Future Value of
required
funds
current funds
(expenses growing
provisioned #
@7%/ annum)
Estimated
Shortfall
of funds
in future
Medical
fund
1,70,000
10
2025
7,86,861
1,63,243
4,00,000
6,23,618
* Rs.1,70,000 Lacs from existing assets allocated towards this goal
Your target corpus can be met easily by allocating funds from your existing assets as per schedule A
and making some investments as per schedule B

MEDICAL EMERGENCY FUND
Step 1.
Recommended Current Asset

Allocation
Cash and Reserves Bank FDs
Goal
Medical
Emergency Fund
Total
Fund
Allocation
Year to
go
Target
growth /
annum ##
Future
value of
funds
1,70,000
7.4%
2,34,441
1,70,000
2,34,441
## One of the 5 year FD maturing in 2018 is marked for this goal. Proceeds will be taxed @30%
Step 2.
Recommended Current Asset Allocation
Goal
Allocation to Equity of
proceeds received from maturing FD
Total
Medical
Emergency Fund
## refer assumptions
Fund
Allocation
Year
to go
Target
growth /
annum ##
Future
value of
funds #
2,34,441
15%
6,23,618
2,34,441
6,23,618
SCHEDULE B REGULAR MONTHLY INVESTMENTS TO ACCUMULATE

THE CORPUS
We recommend that you follow the below illustrated investment schedule on monthly basis (below
representation is on annual basis):
Year
2015
2016
2017
2018
2019
Total
Medical
% of
Emergency* Income
17,500
21,500
23,594
25,893
28,417
116,903
1.00
1.00
1.00
1.00
1.00
Future Value of
Investment in
2025**
36,326
41,323
41,988
42,666
43,357
205,661
* Your income is assumed to grow @ 10% per annum. For e.g.: in 2015 your annual income is 17.55 lacs and 1%
i.e. Rs.17,500 is invested for this goal. Next year your income increase by 10% to 19.25 lacs and rental income of
2.25 Lacs and 1% of total income ie. 21500 is invested for this goal.
** Investments in liquid funds growing at an avg. rate @ 8%/ annum (refer assumptions)

Initial projected shortfall in funds for Emergency (i)
Future Value of existing liquid assets allocated (refer schedule A) (ii)
Future value of recommended investments (refer schedule B) (iii)
New Surplus (A-B)
7,86,861
6,23,618
2,05,661
42,418
By doing the above recommended investments you will be able to accumulate sufficient funds for
any emergency by the year 2025.
Sharvaris Higher Education

Financial
Goal
Sharvaris
Higher
Education
Recommended
Funds required
Years
fund provision
as per current
to go
from current
mkt. conditions
liquid assets
7,40,000
10,00,000
Target
Year
Future value of
required
funds
(expenses growing
@10%/ annum)
Future Value
of current
funds
provisioned #
Estimated
Shortfall of
funds
in
future
2021
17,71,561
16,56,187
115374
# Rs.7.40 Lacs from existing assets allocated towards this goal.

SHARVARIS EDUCATION CORPUS
Step 1.

Allocation
Goal
Sharvaris
Education
Sharvaris
Education
Total
Fund
Allocation
Year to
go
Target
growth /
annum ##
Future
value of
funds
5,00,000
7.4%
6,89,518
2,40,000
7.4%
3,30,980
7,40,000
10,20,498
## Proceeds from maturing FDs marked for this goal. Proceeds will be taxed @30%
Step 2.

Allocation
Goal
Fund
Allocation
Year to
go
Target
growth /
annum ##
Future
value of
funds #
6,89,518
15%
12,05,971
3,30,980
10.80%
4,50,216
Allocation to Equity from proceeds Sharvaris

received from maturing FD
Education
Allocation to Debt from proceeds Sharvaris
Education
Total
10,20,498
16,56,187

THE CORPUS
Year
Sharvaris
Education*
% of
Income
Future Value of
Investment in
2021**
2015
2016
2017
2018
2019
Total
17,500
21,500
23,594
25,893
28,417
116,903
1.00
1.00
1.00
1.00
1.00
26,701
30,374
30,863
31,361
31,869
121,392
2.25 Lacs and 1% of total income ie. 21500 is invested for this goal.

Initial projected shortfall in funds for Sharvaris Higher Education (i)
Future value of existing liquid assets allocated (refer schedule A) (ii)
Surplus (i-ii)
17,71,561
16,56,187
1.21.392
6.019
By doing the above recommended investments you will be able to accumulate required funds for
Sharvaris Higher Education by the year 2021.
Ruturajs Higher Education

Financial
Goal
Ruturajs
Higher
Education
Recommended
Funds required
Years
fund provision
as per current
to go
from current
mkt. conditions
liquid assets
10,80,000
15,00,000
10
Target
Year
Future value of
required funds
(expenses
growing @10%/
annum)
Future Value
of current
funds
provisioned #
Estimated
Shortfall of
funds
in
future
38,90,614
35,05,495
3,85,119
2025
# Rs. 10.80 Lacs from existing assets allocated towards this goal.

RUTURAJS EDUCATION CORPUS
Step 1.

Allocation
Total
Goal
Ruturajs
Education
Ruturajs
Education
Ruturajs
Education
Ruturajs
Education
Fund
Allocation
Year to
go
Target
growth /
annum ##
7,00,000
7.4%
1,00,000
7.4%
1,00,000
7.4%
1,80,000
7.4%
10,80,000
Future
value of
funds
965355.3
137907.8
137907.8
203839.2
14,45,010
Step 2.
Goal
Fund
Allocation
Year to
go
7
Target
growth /
annum ##
15%
Future
value of
funds #
25,67,863
Allocation to Equity from proceeds

Ruturajs
Education
965355.3
Allocation to Bullion from proceeds

Allocation to PPF/EPF from proceeds
Allocation to PPF/EPF from proceeds
Total
Ruturajs
Education
Ruturajs
Education
Ruturajs
Education
137907.8
10%
2,68,744
137907.8
8.5%
2,44,117
203839.2
8.5%
4,24,771
14,45,010
35,05,495

THE CORPUS
Year
Ruturajs
Education*
% of
Income
Future Value of
Investment in
2025**
2015
2016
2017
2018
2019
Total
17,500
64,500
70,781
77,678
85,251
315,710
1.00
3.00
3.00
3.00
3.00
36,326
123,969
125,965
127,999
130,071
446,013
2.25 Lacs and 3% of total income ie. 64,500 is invested for this goal.

Initial projected shortfall in funds for Sharvaris Higher Education (i)
Surplus (i-ii)
38,90,614
35,05,495
4,46,013
60,895
Ruturajs Higher Education by the year 2025
Sharvaris Marriage Corpus

Financial
Goal
Sharvaris
Marriage
Recommended
fund provision
from current
assets*
Funds required
as per current
mkt. conditions
11,75,000
15,00,000
Years
to go
Target
Year
2023
Future value of
required funds
(expenses
growing @7% /
annum)
25,77,279
Future Value
of current
funds
provisioned #
Estimated
Shortfall of
funds
in
future
27,93,347
2,16,068
* Rs.11.75 Lacs from existing assets allocated towards this goal.

SHARVARIS MARRIAGE CORPUS
Recommended
Current Asset
Allocation
Bullion
Equity MFs
Goal
Sharvaris
Marriage Corpus
Sharvaris
Marriage Corpus
Total
Fund
Allocation
Invest in
Years to
go
Target
growth /
annum ##
Future value
of funds
8,75,000
Bullion
10%
18.75.640
3,00,000
Equity
15%
9,17,707
11,75,000
27,93,347

Initial projected shortfall in funds for Sharvaris Marriage Corpus (i)
Surplus (i-ii)
25,77,279
27,93,347
2,16,068
Sharvaris Marriage Corpus by the year 2023.
Emergency Fund
Emergency fund is generally the safe reserve of funds created consisting of 3-6 months of salary. This
fund is generally kept aside in case of any unanticipated emergency, temporary job loss etc. You have
given requirements of Rs. 2 Lacs p.a. As per our estimates, you need to accumulate an emergency fund
of 3-4 months of salary which is approx. 3.50 Lacs.
Recommended
Funds required
Fund provision
as per current
from current
mkt. conditions
liquid assets
Financial
Goal
Emergency
fund
3,52,931
3,50,000
Years
to go
Target
Year
Future value of
required
funds
(expenses growing
@7%/ annum)
Future Value
of current
funds
provisioned #
Estimated
Shortfall of
funds
in
future
2016
3,74,500
3,99,026
24,526
* Rs.3.53 Lacs from existing assets allocated towards this goal.

EMERGENCY FUND
Allocation
Goal
Bank FDs invested in Liquid funds

Emergency Fund
Emergency Fund

Total
Emergency Fund
Emergency Fund
Emergency Fund
Fund
Allocation
(existing FD)
20,817.14
27,114
Current
Value of
FD#
21,139
30330
Year to
go
1
1
Target
growth /
annum ##
8.00%
8.00%
Future
value of
funds
22,830
32,756
1,80,000
25,000
1,00,000
3.52,931.14
189016
26222
102762
3,69,469
1
1
1
8.00%
8.00%
8.00%
2,04,137
28,320
1,10,983
3,99,026
*Current FDs to be broken and proceeds to be reinvested into liquid funds. Interest penalty of 1% and tax of 30% has been
considered while arriving at the current value of FDs
## Refer assumptions

Initial projected shortfall in funds for Emergency Fund (i)
Surplus (i-ii)
3,74,500
3,99,026
24,526
By doing the above recommended investments you will be able to accumulate sufficient funds for
any emergency by the year 2016.Further, from 2017 onwards you can utilize the funds from
your surplus cash flows as and when the need arises.
Ruturajs Marriage Corpus

Financial
Goal
Recommended
Funds required
fund provision
Years
as per current
from current
to go
mkt. conditions
assets
Ruturajs
Marriage
15,00,000
15
Future value of
Targe required
funds
t Year (expenses growing
@7% / annum)
Future Value
of current
funds
provisioned #
Estimate
d
Shortfall
of funds
in future
2030
41,38,547
41,38,547
# No funds provisioned for this goal
With no funds provisioned from your current liquid assets for this goal, there will be projected
shortfall to the tune of Rs 41.38 Lakh in funds required for Ruturajs Marriage Corpus in 2030
We recommend that you follow below illustrated investment schedule on monthly basis (below
Year
2015
2016
2017
2018
2019
Total
Investments for
Ruturajs Marriage Corpus*
% of
Income
Future Value of
Investment in 2030**
2,62,500
1,72,000
1,88,750
2,07,141
2,55,752
10,86,144
15.00
8.00
8.00
8.00
9.00
12,36,312
7,27,768
7,17,492
7,07,396
7,84,660
41,73,628
i.e. Rs.2.62 Lacs is invested for this goal. Next year your income increase by 10% to 19.25 lacs and rental income
of 2.25 Lacs and 8% of total income ie. Rs. 1.72 Lacs is invested for this goal.
** Investments in Equity, Debt, Bullion and Retirement, growing at an avg. rate @ 11.31%/ annum (refer
assumptions)

Initial projected shortfall in funds for Ruturajs Marriage Corpus (A)
Future Value of recommended monthly investments growing (B)
New Surplus (A-B)
(41,38,547)
41,73,628
35,080
Ruturajs Marriage Corpus.
Leisure/World Tour
Financial
Goal
Recommended
fund provision
from current
liquid assets
Leisure/
World
Tour
50,000
Funds required
as per current
mkt. conditions
Years
to go
Target
Year
Future value of
required funds
(expenses growing
@7%/ annum)
Future Value
of current
funds
provisioned #
3,00,000
2017
3,43,470
63,180
Estimated
Shortfall of
funds
in
future
280,290
# Rs. 50000 from existing assets allocated towards this goal.
Your target corpus can be achieved partially by allocating funds from your existing assets as per
schedule A

LEISURE TOUR
Step 1.

Allocation
Total
Goal
Leisure tour
Leisure tour
Fund
Allocation
Year to
go
Target
growth /
annum ##
25,000
25,000
50,000
1
1
7.4%
7.4%
Future
value of
funds
30,187.70
28,312.40
58,500.10
Step 2.
Goal
Fund
Allocation
Year to
go
1
Target
growth /
annum ##
8%
Future
value of
funds #
25,67,863
Allocation to debt funds from proceeds

Leisure tour
30,187.70
Allocation to debt funds from proceeds

Total
Leisure tour
28,312.40
8%
2,68,744
58,500.10
63,180
## Since investments are for less than 1 year in debt funds, post tax return of 8% is assumed

Initial projected shortfall in funds Leisure tour (i)
Surplus/ (Shortfall) (i-ii)
3,43,470
63,180
(2,80,290)
You will not be able to accumulate desired funds for your leisure tour. It is recommended that you
postpone the same until your retirement when same can be met through your gratuity yfunds or
surplus funds
9. SUMMARY OF FINANCIAL GOALS

Mentioned below is the summary of the recommended recurring monthly investments you should make
in your first year in the specific asset class (as per your risk profile) in order to meet your target
financial goals.
Recommended recurring monthly
investments to meet your Goals*
% of Monthly
Goal
Income
Provision for Ruturajs
15.00
Marriage Corpus
Retirement Income
5.00
Medical Emergency
1.00
Sharvaris Education
1.00
Ruturajs Education
1.00
Total
23.00
* Representative investments for first year
Asset Class
% Investments
Equity
6.90
Bullion
4.60
Retirement Corpus
5.75
Debt
5.75
Total
23.00
Impact of Recommendations
Goals
Target
Year
Projected earlier
Shortfall
Projected revised
shortfall
Medical Emergency
2025
4,00,000
No shortfall
Plan for Retirement
2020
No shortfall
2019
20,00,000
20,00,000
2021
10,00,000
No shortfall
2025
15,00,000
No shortfall
2023
15,00,000
No shortfall
2025
2,00,000 p.a.
No shortfall
2030
15,00,000
No shortfall
2017
3,00,000
2,80,290
Pay off Mortgage

Loan
Higher Education
for Sharvari
Higher Education
for Ruturaj
Marriage Corpus
for Sharvari
Accumulate
Emergency Fund
Marriage Corpus
for Ruturaj
Leisure /World
Tour
Remarks
You should be able to meet
this Goal [refer section '8')
You need to revisit this
Goal [refer section '8')
You need to revisit this
Goal [refer section '8')
10. LIFE RISK COVERAGE

In this section we will discuss your current life risk coverage v/s required life risk coverage. Most of
the time, we feel that we are adequately insured but we do not know if actually we are. Many times we
fail to consider effect of inflation on our family expenses or we forget to add present value of important
life goals, which really distorts the picture of life cover required by an individual
Assumptions:
a. Expenses considered are the one required by family to continue with current life style
incase anything unfortunate happens to the breadwinner of the family
b. From family expenses, expenses on self are assumed to be 20% of total expenses and it
is assumed that lifestyle change will lead to reduction in 10% expenses on occurrence of
unfortunate event.
Your current monthly expenses
Current relevant expenses
(excluding EMIs and insurance
premiums)
72,611
27,500
Self + lifestyle change@ 30%
Family @70%
(Approx 49.79% of
post-tax income)
8,250
19,250
It is recommended to have life risk cover which shall cover the following expenses in case any
unfortunate event happens to bread-winner of the family:
a. Expenses to meet all major financial goals children education and marriage
b. Expenses to meet all outstanding liabilities like home loan.
Calculation of present value of total current liabilities
Assumptions
Estimated Life expectancy of Mr. A
Estimated Life expectancy of Mrs. Y
Your target retirement year
Current Monthly expenses (A), 49.79% of income
Total EMI (B)
Non investment Grade Insurance Premium (C)
Total Living expenses (A-B-C)
Annual growth in yearly expenses @ inflation
Expense reduction after Sharvari goes for higher education
Expense reduction after Ruturaj goes for higher education
Expense reduction after Sharvaris Marriage
Expense reduction after Ruturajs Marriage
Expense reduction on fatality of spouse
General reduction in expenses after retirement
82 years
85 years
2020
72,611
41,000
4,111
27,500
7%
5%
5%
5%
5%
10%
10%
Calculation of Human Life Value

Present Value of Major Financial Goals
Present Value of uninsured outstanding liabilities
Present Value of family living expenses throughout life
Total requirement to cover all liabilities [A]
Current LI coverage of Mr. A [B]
Current liquid assets [C]
Net extra insurance require requirement [A-B-C]
55,00,000
28,75,000
66,38,345
1,50,13,345
18,83,332
41,92,931
89,37,082
You appear to be under-insured by around Rs. 90 Lacs. We recommend you to buy a term cover of
at least 1 Crore
11. NETWORTH GROWTH PROJECTIONS - AFTER

RECOMMENDED PORTFOLIO RESHUFFLING
PROJECTED NETWORTH - AFTER PORTFOLIO RESHUFFLING
Asset Class
Asset Type
CASH AND
RESERVES
Saving/ Current
Bank A/c
Bank FDs
Current
Recommende
d Allocation
Post taxgrowth
rate/
annum *
4.15%
2015
beginning
2016
beginning
2017
beginning
2018
beginning
2019
beginning
7.40%
2,190,960
2,353,091
2,527,220
2,714,234
2,915,087
0.00%
8.00%
399,025
430,947
465,423
502,657
542,870
2,563,135
473,782
1,184,126
514,884
646,987
2,819,780
4,025,000
11,500,000
2,755,202
668,635
1,383,425
671,942
802,445
3,526,448
4,628,750
13,225,000
2,961,672
965,161
1,649,982
905,322
1,029,899
4,550,364
5,323,063
15,208,750
3,183,629
1,441,277
2,031,452
1,274,603
1,386,306
6,133,637
6,121,522
17,490,063
3,422,233
2,030,132
2,478,112
1,717,685
1,806,596
8,032,524
7,039,750
20,113,572
15,525,000
636,000
72,000
708,000
21,642,765
17,853,750
508,800
57,600
566,400
24,730,636
20,531,813
407,040
46,080
453,120
28,527,939
23,611,584
325,632
36,864
362,496
33,324,609
27,153,322
260,506
29,491
289,997
38,933,800
22,00,000
6,75,000
28,75,000
21,79,521
6,55,116
28,34,637
20,85,265
5,49,390
26,34,655
19,80,362
4,32,303
24,12,665
18,63,610
3,02,635
21,66,245
17,33,670
1,59,033
18,92,702
15,719,468
18,808,128
22,095,981
26,115,274
31,158,364
37,041,098
2,040,000
Cash in Hand
FINANCIAL
ASSETS
LAND AND
REAL
ESTATE
OTHER
PERSONAL
ASSETS
Liquid Plus Funds*
369,468
TOTAL
Equity
Bullion
Debt
Retirement
TOTAL
House
House
2,409,468
300,000
1,000,000
500,000
1,800,000
3,500,000
10,000,000
TOTAL
13,500,000
795,000
90,000
885,000
18,594,468
Car
Car
TOTAL
TOTAL ASSETS
LIABILITY
CLASS
LOAN
LIABILITY
TYPE
Mortgage Loan
Car Loan
TOTAL
LIABILITIES
NETWORTH
15%
10%
10.80%
8.50%
15%
15%
20%
20%
*Here current value of FDs which are to be liquidated and invested into emergency funds have been considered and
thats why Current Networth represented here is higher than the one presented in section 4. Refer assumptions
After 5 years, with regular investments in recommended asset class and after reshuffling your
present investments, your net-worth shall reach close to Rs 3.70 Cr (136 % growth)
12. OTHER RISK COVERAGE

MEDICAL COVERAGE: Medical Insurance is very important as risk management tool for you and
your family. With changing hectic lifestyle, both cases and costs pertaining to medical aids have
increased drastically. In case of any medical emergency you should always be prepared with insurance
and external funds to meet contingency. If you are covered by your employer under group medical
insurance, than you need to check who all are covered, what is the coverage and what all contingencies
are covered. Based on the information provided, you have taken Star Health Mediclaim cover of Rs.5
Lacs for all the family members. We recommend you to scale up your existing Mediclaim policy up to
Rs. 7 lacs for you and your wife.
ACCIDENTAL TOTAL AND PERMANENT DISABILITY COVERAGE: Life insurance covers
risk of death, at the same time another risk that everyone carries is disability due to accident, which can
be temporary or permanent. It is important to protect the loss of your income due to disability and to
ensure that you and your family do not face any problems in meeting day to day expenses. Remember,
apart from meeting daily expenses, you should also consider about medical expenses that will be spent
on your treatment. We recommend that you take the rider for the same in your LI policy (if not taken
already) and also take an additional accidental coverage of approx. 25-30 Lacs.
CRITIAL ILLNESS PLAN: There are certain critical illnesses which any individual might be
diagnosed with at any given point of time during lifetime. Further since these are not covered under
regular insurance plan, there expenses may wipe out wealth of entire family. Hence, it becomes
important to take critical illness cover which shall pay you entire sum assured if you or your family
member happens to get diagnosed with any critical illness. We recommend you to get critical illness
cover either as standalone policy or as rider on your Life Insurance Policy.
HOME INSURANCE: It is only prudent to cover your personal assets whose damage can cause not
only momentous financial loss but also emotional loss. It can be very difficult to be in situation where
you home gets destroyed and you have no place to stay!!! Therefore it is essential to take home
insurance which will cover any loss to structure and contents due to both natural and man-made
calamities including fire, earthquake, explosion, floods, riots, lightening etc. Contents are also covered
against burglary. Ideally, home should be covered for replacement cost, i.e. cost it will take to
reconstruct the house in case of any damage. You have personal assets (home) worth Rs. 1.35 Crore
and we strongly recommend you take home insurance cover as per current replacement cost of your
home.
13. CASH FLOW PROJECTIONS

Mentioned below is the year wise summary of projected income (growing @10%) and corresponding
expected expenses as percentage of Income. Its worth noting that gradually your expenses shall
decrease over period of time which will give you more cushions for savings and investments
Income
Scheduled
Event
Leisure/
World
Tour
Pay off
Mortgage
Loan
Retirement
Expenses
Year
Annual
Income
Rental
income
Total
Annual
Income
Household
expenses
Mortgage
loan/Home
Loan EMI
Car
Loan
EMI
Endowme
nt
Premiums
Total
Expenses
2015
1,750,000
1,750,000
355,841
324,000
168,000
281,892
1,129,733
Total
Expense
s as % of
income
64.56
2016
1,925,000
225,000
2,150,000
380,750
324,000
168,000
281,892
1,154,642
53.70
2017
2,117,500
241,875
2,359,375
407,402
324,000
168,000
281,892
1,181,294
50.07
2018
2,329,250
260,016
2,589,266
435,921
324,000
168,000
281,892
1,209,813
46.72
2019
2,562,175
279,517
2,841,692
466,435
324,000
168,000
281,892
1,240,327
43.65
2020
Chart below represents your cash-flow projections with regards to yearly expenses and investments
towards specific goal as percentage of total income.
Expenses
Scheduled
Event
Leisure/World
Tour
Pay off
Mortgage Loan
Retirement
Investments
Year
Expenses
as % of
income
Ruturaj's
Marriage
Retirement
Medical
Emergency
Sharvaris
education
Ruturajs
education
Surplus
Savings &
Investments as
% of total
Income
2015
2016
2017
64.56
53.70
50.07
15.00
8.00
8.00
5.00
5.00
13.00
1.00
1.00
1.00
1.00
1.00
1.00
1.00
3.00
3.00
15.44
33.30
28.93
23.00
18.00
26.00
2018
2019
46.72
43.65
8.00
9.00
27.00
27.00
1.00
1.00
1.00
1.00
3.00
3.00
18.28
20.35
40.00
41.00
2020
14. SUMMARY ACTION PLAN
Your current net-worth is Rs. 1.57 Crore which can grow to Rs 3.70 Cr in 5 years if
recommended allocation of existing assets and recurring monthly investments are done
refer section 4, section 5 and section 11.
Your total asset base is of Rs 1.85 Crore which consists of Cash and Reserves (12.88%),
Equity (1.61%), Bullion (5.38%), Retirement Corpus (2.69%), Land and Real Estate
(72.67%) and Automobile (4.76%). Major portion of your existing portfolio is in Real
Estate & Property. We recommend that you diversify new investments as per our
recommendations which shall help in minimizing concentration risk refer section 4 and
section 5.
Your current expenses account for 49.79% of net income and investments accounts for
31.19%. You have a good investible surplus for which we recommend that your
investments should be diversified and classified under different asset classes. This
arrangement will be beneficial for achieving your financial Goals refer section 6.
As per our estimate, you will need approx. Rs. 1.24 Cr by your projected retirement year
of 2020 for comfortable retirement life. We have given appropriate recommendation to
enable you accumulate desired corpus by 2020 refer section 7.
In order to meet your financial goals it is strongly recommended that you make regular
monthly investments in specific asset class as recommended in section 7 and 8.
Recommended recurring monthly
investments to meet your Goals*
% of Monthly
Goal
Income
Provision for Ruturajs
15.00
Marriage Corpus
Retirement Income
5.00
Medical Emergency
1.00
Sharvaris Education
1.00
Ruturajs Education
1.00
Total
23.00
* Representative investments for first year
You appear to be under insured. Your calculated Life insurance coverage should be Rs 1
Crore. We recommend that you immediately get life insurance cover for Rs 1. Crore (term
plan) refer section 10
Your recommended monthly investment schedule in a particular asset class is as follows:
Age
44
45
46
47
48
Year/Asset
Class
% Allocation
2015
2016
2017
2018
2019
Equity
Debt
Bullion
30%
10,063
9,675
15,336
25,893
29,127
25%
8,385
8,063
12,780
21,577
24,273
20%
6,708
6,450
10,224
17,262
19,418
Retirement
Fund
25%
8,385
8,063
12,780
21,577
24,273
Monthly
Investment
100%
33,542
32,250
51,120
86,309
97,091
% of
Income
23.00
18.00
26.00
40.00
41.00
We recommend that you scale up your existing mediclaim policy and buy critical illness rider
and personal accident cover refer section 13.
You shall be able to comfortably meet all your Goals at required timelines
For any assistance/ guidance regarding investments in any asset class, you are requested to
coordinate with our Financial advisor.
15. DISCLAIMER
This financial plan is designed from the personal information and documents furnished to us by you,
and it is based on your expression of the personal objectives and your attitude. It is essential that the tax
and legal planning steps be considered only with the advice of your tax consultant, CFP, CPA and your
other financial advisors, which we will be happy to coordinate with. This plan is not to be construed as
offering legal or accounting advice. You are encouraged to discuss this plan and its findings with your
personal financial advisor or accountant.
This reports show estimates of your future financial situation, and are intended only as a basis for
discussion with your professional advisors. The estimates shown in this report are based on many
assumptions that may or may not occur. Both principal value and investment returns will fluctuate over
time. No warranty as to correctness is given and no liability is accepted for any error, or omission, or
any loss, which may arise from relying on this data.
Every effort has been made to assure the highest reasonable degree of accuracy in your financial plan.
However, due to the dynamic nature of our economic and tax environments, no guarantees or
assurances can be given regarding the profitability or tax benefits of any investment.
This plan is only as accurate as the information on which it was based. If the data originally supplied to
us is incorrect, the plan will reflect these inaccuracies, and these errors will project into the future at a
magnified rate. Certain assumptions made by us, or you, may also limit the accuracy of the data. Please
review your data carefully. It is strongly recommended that your plan should be updated at least
annually to ensure its continued accuracy.
Where rates of return, taxes, and inflation estimates are used to simulate investment results, they should
not be construed as guarantees or warranties of profitability. Computerized performance projections of
assets, portfolios, and markets are to be considered as statistical models based on past performance
only. Past performance is no guarantee of any future results.
Where tax benefits are illustrated, they are based on the best information currently available. Various
proposals are made from time to time to change the tax laws, and it seems probable that many of our
current tax laws will undergo changes during the years illustrated in this financial plan. Some of these
proposals, if enacted, might have a serious implication on tax implication and as a result on the overall
financial plan.

Financial Planning of MR A Final

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Financial Plan Date:..

Strictly Private & Confidential

Comprehensive Financial Plan of

Bonanza Portfolio Ltd

Wealth Management and Financial Planning,

b. Inflation and Discount rate:

Inflation is assumed @ 7% per annum

c. Target returns on Investment products (pre-tax and post-tax)

Approx. Target annualized return (post-tax)

3. CLIENTS PERSONAL DETAILS AND

FINANCIAL GOAL (as provided by yourself)

NETWORTH = ASSETS LIABILITIES = 1, 85, 77,931 - 28, 75,000= 1, 57, 02,931

5. CURRENT ASSET ALLOCATION

Current Asset Value : High Liquid Assets

Current Asset Value : Low Liquid Assets

6. MONTHLY CASHFLOW ANALYSIS

EMI Home Loan

CURRENT MONTHLY INVESTMENTS-EXPENSES SCENARIO

Investment/ Expense Head

RECOMMENDED MONTHLY INVESTMENTS-EXPENSES SCENARIO

Investment/ Expense Head

Cash and Reserves

6.1 ALLOCATION OF BANK FDs

Allocated for Goal

PROJECTED RETIREMENT CORPUS

Rs. 1.00 Crore

SCHEDULE A ALLOCATION OF EXISTING LIQUID ASSETS TOWARDS

Plan for Retirement

SCHEDULE C REGULAR MONTHLY INVESTMENTS FOR BUILDING

IMPACT OF SUGGESTED RECOMMENDATIONS

Pay Off Mortgage Loan

Medical Emergency Fund

* Rs.1,70,000 Lacs from existing assets allocated towards this goal

SCHEDULE A ALLOCATION OF EXISTING LIQUID ASSETS TOWARDS

Recommended Current Asset

Recommended Current Asset Allocation

SCHEDULE B REGULAR MONTHLY INVESTMENTS TO ACCUMULATE

IMPACT OF SUGGESTED RECOMMENDATIONS

Sharvaris Higher Education

# Rs.7.40 Lacs from existing assets allocated towards this goal.

SCHEDULE A ALLOCATION OF EXISTING LIQUID ASSETS TOWARDS

Recommended Current Asset

Recommended Current Asset

Allocation to Equity from proceeds Sharvaris

SCHEDULE B REGULAR MONTHLY INVESTMENTS TO ACCUMULATE

IMPACT OF SUGGESTED RECOMMENDATIONS

Ruturajs Higher Education

SCHEDULE A ALLOCATION OF EXISTING LIQUID ASSETS TOWARDS

Recommended Current Asset

Recommended Current Asset Allocation

Allocation to Equity from proceeds

Allocation to Bullion from proceeds

SCHEDULE B REGULAR MONTHLY INVESTMENTS TO ACCUMULATE

IMPACT OF SUGGESTED RECOMMENDATIONS

Sharvaris Marriage Corpus

* Rs.11.75 Lacs from existing assets allocated towards this goal.

SCHEDULE A ALLOCATION OF EXISTING LIQUID ASSETS TOWARDS

IMPACT OF SUGGESTED RECOMMENDATIONS

* Rs.3.53 Lacs from existing assets allocated towards this goal.

SCHEDULE A ALLOCATION OF EXISTING LIQUID ASSETS TOWARDS

Bank FDs invested in Liquid funds

Bank FDs invested in Liquid funds

IMPACT OF SUGGESTED RECOMMENDATIONS