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cfp guide

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Rs. 25 lakh. The set up came into

operation on 1st April, 2012. The cost

of a similar new computer in due

course declined to Rs. 42,000. The

industry norm of the depreciation

charged on the computers is 30% on

written down value basis. At what

appropriate value he should insure

Solution:

Cost of acquisition of computers- 1st

April, 2012 2,500,000 Rs.

Depreciation cahrged 30%p.a.

Current replacement cost 2,100,000

Rs. 42000*50

Appropriate value to be insured

1,470,000 Rs. 2100000*(1-30%)

record of offering bonuses at Rs. 50 per thousand

sum assured (SA) has a premium differential of

Rs. 30 per thousand SA from the similar pure

term policy. The corresponding pure term cover

of 20 years and SA Rs. 12 lakh is available at Rs.

7,860 p.a. Your client has recently paid 16th

premium in the With Profit policy. You evaluate

the differential returns from With Profit policy in

case of mortality today from the perspective of

8% p.a. return. You find that ___.

Solution:

Price differential in premium per thousand30 Rs.

Price differential in premium for a Rs. 12 lakh

policy 36,000 Rs. 30*1200000/1000

Estimated bonuses on maturity of with profit

policy 960,000 Rs. 50*16*1200000/1000

Rate expected on maturity proceeds 5.78% p.a.

RATE(16,-36000,0,960000,1)

Return differential from 8% p.a. -2.22% p.a.

5.78% - 8%

saves 25% including mandatory savings and voluntary

systematic investments. Another 35% goes towards

servicing of housing and car loans and taxes. His Financial

Planner advises him to accumulate 8 months household

expenses in liquid funds. He changes job and expects an

immediate rise of 30% in his gross income. The

incremental effect in his mandatory savings and taxes

would respectively be 1.5% and 3% of his revised gross

income. You estimate that other heads would not change

materially except his household expenses which would

rise by 8% due to child education. How many months will

it take to accumulate liquid reserves?

Solution:

Gross present salary 1,000,000 Rs. p.a.

EMI and Taxes 350,000 Rs. p.a. 1000000*35%

Statutory and long term investments 250,000 Rs. p.a. 1000000*25%

Household expenses 400,000 Rs. p.a. 1000000-350000-250000

Increased Gross Salary 1,300,000

Revised Household expenses432,000 400000*(1+8%)

Revised out go towards EMI and Taxes 389,000 350000+1300000*3%

Statutory and long term investments 269,500 250000+1300000*1.5%

Amount available for investments in liquid fund 209,500 1300000432000-389000-269500

Required liquid fund reserve 288,000 432000*8/12

Time required for building required reserve 1.3747 years

288000/209500

Months required 16.50 months 1.3747*12

2002 for Rs. 80 lakh. He got a factory built on

the land at a cost of Rs. 90 lakh, the factory

became operational on 1st September, 2005.

The land prices have appreciated at 15% per

annum in the period and the construction cost

has escalated at 12% per annum since 2005. At

what value the factory should be insured in

April, 2013 on Market Value basis if the

depreciation on factory premises is charged at

6% per annum on straight line method?

Solution:

Cost of land in 20028,000,000 Rs.

Cost of construction in 2005 9,000,000 Rs.

Cost escalation 12%p.a.

Cost of construction in 2013 22,283,669

9000000*(1+12%)^8

Depreciation rate (on SLM method)- 8 years

6% p.a.

Therefore, sum insured on market value basis

11,587,508 Rs. 22283669*(1-8*6%)

sum Rs. 85 lakh when he was of 53 years and

had in dependents a non-working spouse of

age 48 and a son of age 25. On reaching age

60, he expects at least one, himself or his

spouse, to survive till 85 years and contracts

an immediate life annuity with return of

purchase price at Rs. 10.15 lakh p.a. vested

against the purchase price of Rs. 1.61 crore.

What return is expected from the vesting

date?

Solution:

Age of the lawyer on vesting date 60 years

Age of spouse on vesting date 55 years

Maximum annuity period expected 30 years

Annual annuity amount 1,015,000 Rs.

Purchase price of annuity on vesting date

16,100,000 Rs.

Effective return expected from annuity 6.73%

p.a.RATE(30,1015000,16100000,16100000,1)

for three years. The instrument has

produced a return of 11%,15% and

12% in the three years. You as Mr. As

advisor have observed that the ruling

inflation in these three years

respectively was 4%,7% and 8%. You

find the real rate of return which Mr.

A has received as ______.

Solution:

If the amount invested is Rs. 100

Real value of the investment at year end: 1

106.7307692100*(1+11%)/(1+4%)

Real value of the investment at year end: 2

114.7106398106.73*(1+15%)/(1+7%)

Real value of the investment at year end: 3

118.959182 114.71*(1+12%)/(1+8%)

CAGR of real return 5.96%

(118.96/100)^(1/3)-1

at a floating rate of interest of 10% p.a for tenure

of 20 years from a housing finance company. The

company sent a notice raising the interest rate to

10.75% p.a. effective January 2012 thereby

increasing EMI. He decides to refinance the loan at

10.25% from a bank which charges a processing

fee of 1% of loan sanctioned. What absolute

amount he stands to save in the remaining tenure

if the outstanding loan amount as at end of March

2012 is refinanced so that the new loan terminates

as per original tenure?

Solution:

Tenure of loan 240 months

Loan amount 4,000,000 Rs.

Initial Rate of Interest 10.00% p.a.

EMI began in July 2010 38,601 Rs. PMT(10%/12,240,-4000000,0,0)

EMI installments repaid till December 2011 18

Loan outstanding as at December 2011 3,898,160 Rs. PV(10%/12,240-18,-38601,0,0)

Revised Rate of Interest beginning January 2012 10.75% p.a.

New EMI effective January 2012 40,516 Rs. PMT(10.75%/12,240-18,-3898160,0,0)

Loan outstanding to be repaid to Finance Co. in Mar 12 3,881,226 Rs. PV(10.75%/12,240-183,-40516,0,0)

Processing fee @ 1% of outstanding loan taken fr. Bank 38,812 Rs. 3881226*1%

Rate of Interest charged by bank beginning April 2012 10.25% p.a.

Outstanding tenure being new tenure for bank loan 219 months 240-18-3

EMI to be charged by Bank 39,245 Rs. PMT(10.25%/12,219,-3881226,0,0)

Amount to be incurred from Apr 2012 in earlier loan 8,872,908 Rs. 40516*219

Revised amount incurred towards EMIs 8,594,694 Rs. 39245*219

Processing fees included in revised amount incurred 8,633,507 Rs. 8594655+38812

Savings (absolute) in refinancing the loan 239,401 Rs. 8872908-8633507

An employee at age 35 expected increments

of 7% p.a. as per company policy when his

annual net earnings were Rs. 6 lakh. After 5

years, he got next cadre and his annual net

earnings became Rs. 9 lakh. The increments

in the revised cadre are at 9% p.a. He had

purchased a life cover by income replacement

method at age 35. What additional cover is

required if he expects his investments to yield

9.5% p.a.?

Solution:

Current net earnings 600,000 Rs.

Rate of increment of net earnings 7.0% p.a.

Current age 35 years

Retirement age 58 years

Rate of return from investing9.5% p.a.

Expected insurance by income replacement at age 35 10,830,035

Rs. PV((1+9.5%)/(1+7%)-1,58-35,-600000,0,1)

Age when promoted to new cadre 40 years

Revised net earnings at age 40900,000 Rs.

Revised Rate of increment of net earnings 9.0% p.a.

Revised insurance cover15,586,286 Rs. PV((1+9.5%)/(1+9%)1,58-40,-900000,0,1)

Additional cover needed 4,756,252 Rs. 15586286-10830035

The Store took insurance of goods housed in the

shop for a value of Rs. 2.1 crore. The surveyor

assessed the average value of goods stored at the

facility at Rs. 2.5 crore. The Store in its quarterly

stock taking on 31st December 2012 assessed

value of the goods at landed cost of Rs. 1.8 crore.

On 17th January 2013 the Store had a major fire

destroying all goods stored therein. The Store as

per sales records had sold goods for Rs. 35 lakh in

the interim, making a profit of Rs.7.5 lakh. The

admissible amount of claim should be _______.

Solution:

Insurance taken for value of goods 21,000,000 Rs.

Assessed value of goods for which Insurer covered the risk

25,000,000 Rs.

Value of goods at landed cost on 31st December 2012 18,000,000

Rs.

Goods sold to customers till 17th January 2013 3,500,000 Rs.

Profit made on selling goods after 31st December 2012 750,000 Rs.

Landed cost of goods sold after 31st December 2012 2,750,000 Rs.

3500000-750000

Value of goods destroyed for which insurance was taken 15,250,000

Rs. 18000000-2750000

Admissible amount of insurance claim 12,810,000 Rs.

15250000*(21000000/25000000)

purchased a land in 2006 for Rs. 50 lakh and got

specialized construction done in 2007 for Rs. 1.6 crore.

In March, 2008 the processing plant was constructed at

a cost of Rs. 2 crore. The cost of such construction and

plant are escalating at 10% p.a. The corrosive nature of

chemicals requires depreciation on plant as well as

premises at 15% p.a. on written down value basis. As in

2013, what additional reserves should be created by

the company apart from depreciation reserves and the

residual insured value of plant and premises to

reinstate the facility in case it is destroyed in a

calamity?

Solution:

Cost of land 5,000,000 Rs.

Construction cost of premises 16,000,000 Rs.

Construction done in 2007

Cost of plant & machinery 20,000,000 Rs.

Plant installed in 2008

Depreciation rate on w-d-v method 15%p.a.

Escalation cost 10%p.a.

Year of reinstatement considered 2013

Current cost of reinstatement or premises 28,344,976 Rs. 16000000*(1+10%)^(2013-2007)

Current cost of reinstatement of plant 32,210,200 Rs. 20000000*(1+10%)^(2013-2008)

Total cost of reinstatement of the facility 60,555,176 Rs. 28344976+32210200

Depreciation reserves charged on premises in the B/S 9,965,608 Rs. 16000000(16000000*(1-15%)^(2013-2007))

Depreciation reserves charged on plant in the B/S 11,125,894 Rs. 20000000-(20000000*(115%)^(2013-2008))

Total reserves on premises and plant 21,091,502 Rs. 9965608+11125894

Residual Insured value of the plant 14,908,499 Rs. (16000000+20000000)-21091502

Therefore, additional reserves to be created 24,555,176 Rs. 60555176-21091502-14908498

=

16000000*(1+10%)^6+20000000*(

1+10%)^5

Total cost of reinstatement of the

facility= 60,555,176

(8344976+32210200 )

40,000. The earner accounts for 15%

of the expense. He wants to cover his

familys inflation-adjusted expenses

for the next 40 years considering

average inflation at 5.5% p.a. and

the investment return at 7.5% p.a.

The approximate life insurance

needed is ______.

Solution:

Current household expenses 40,000 Rs.

Self consumption 15.0% p.a.

Net Expenses 34,000 Rs. 40000*(1-15%)

Family expenses period 40 years

Rate of inflation 5.5% p.a.

Investment rate 7.5% p.a.

Monthly effective real rate of return 0.1566%p.m.

((1+7.5%)/(1+5.5%))^(1/12)-1

Family expenses to be covered 11,484,273 Rs.

PV(0.1566%,40*12,-34000,0,1)

7.5 lakh p.a. out of which taxes and

self-expenses account for Rs. 1.5

lakh p.a. Her salary is expected to

rise 10% p.a. whereas taxes and

personal expenses are likely to rise

by 6% p.a. If she expects to work till

58 years, what economic value can

you enumerate on her life, if she is

confident of getting a return of 9%

Solution:

Current gross earnings 750,000 Rs.

Rate of increment of gross earnings 10%p.a.

Current taxes and expenses 150,000 Rs.

Rate of increment of taxes and espenses 6% p.a.

Rate of return from investing9% p.a.

Current age 33 years

Expected earnings potential upto 58 years

PV of gross earnings, discounted at growth rate 20,967,027

Rs. PV((1+9%)/(1+10%)-1,58-33,-750000,0,1)

PV of taxes/expenses, discounted at growth rate 2,737,432 Rs.

PV((1+9%)/(1+6%)-1,58-33,-150000,0,1)

PV of net earnings 18,229,596 Rs. 20967027-2737432

aged 35 years expects to earn till

next 25 years. He expects an annual

growth of 8% in her existing net

income of Rs. 5 lakh p.a. If he

considers an average investment

yield of 6% till his life expectancy of

80 years, what economic value could

be described to his life today?

Solution:

Current net income 500,000 Rs. p.a.

Rate of increase of net income 8% p.a.

Investment yield from investing 6% p.a.

Number of years the incme is expected to

continue 25 years

Economic value 15,785,662 Rs.

PV((1+6%)/(1+8%)-1,25,-500000,0,1)

premium being Rs. 15,850 for a sum assured of Rs.

12 lakh. He has paid 18 premiums and has Rs.

6,50,000 towards declared bonuses on this policy. He

has met his objectives and has sufficient cover and

wealth support. He does not wish to continue in the

policy. He has the option to either make this policy

paid up, or surrender the same at a factor of 75% of

the paid up value. If he chooses to surrender, what

return he should earn on the surrender value to offset

the paid up value, when due?

Rs. 1200000*18/25+650000

Surrender value = 75% of the above paid

up value 1,135,500 Rs. 1514000*75%

Remaining term of the policy7 years

Rate to be earned on surrender value to

reach paid up 4.20% p.a.RATE(7,0,1135500,1514000,) CAGR

A 40 year old male individual can get a 15year with-profit life insurance policy of a

company at an annual premium of Rs. 10,046

which gives a sum assured of Rs. 1.5 lakh.

The company historically has declared

reversionary bonuses and terminal bonus per

thousand sum assured at Rs. 35 and Rs. 80,

respectively. A term plan with same life and

other parameters is generally available for

an annual premium of Rs. 3,565. Find the

return on investment component of the

companys policy on surviving the term.

Solution:

Premium of with-profit policy 12,046 Rs.

Premium of term policy 3,565 Rs.

Excess premium on investment

component 8,481 Rs.

Terminal value on surviving the term

240,750 Rs. Page 6

Return on investment component 7.63%

p.a. RATE(15,-8481,0,240750,1)

fire and natural calamity for a value of Rs.

1.25 crore. Towards liability coverage,

separate insurances for risks of fire and

burglary for Rs. 12 crore each were taken to

cover the goods kept at any time. The

company took an umbrella insurance of Rs.

15 crore also. The warehouse was

completely destroyed in fire. The registered

value of goods at that time was Rs. 30 crore.

What insurance can be settled in the

Companys claim?

proportionately to clients

(b) Rs. 1.25 crore to the Warehouse and Rs. 19.8 crore

towards liability proportionately to clients

(c) Rs. 1.25 crore to the Warehouse, Rs. 12 crore

(max.) towards liability for perishable goods of clients,

and Rs. 15 crore (max.) towards liability

proportionately to others

(d) Rs. 1.25 crore to the Warehouse and Rs. 27 crore

towards liability proportionately to clients

(e) Not Attempted

Correct Answer : Rs. 1.25 crore to the Warehouse and

Rs. 27 crore towards liability proportionately to clients

assured rs 2 lakh has annual premium of rs

13672, Policy pays back 20% of s.a after each of

first three 5-years survival periods and another

40% of s.a on surviving full term. The client has

received the third money back. You estimate the

gross returns presently in the policy considering

reversionary bonus of rs 50 per thousands s.a.

you compare the cost benifit if the client pays all

premiums and survives the policy and also gets rs

150 per thousand s.a as loyalty bonus. you

conclude that _________.

1.15% p.a

b)the additional in flow on 5 future premiums

would amount to over 19% p.a returns

c) the additional in flow on 5 future premiums

would amount to nearly 30% p.a returns

d) the additional in flow on 5 future premiums

less opportunity cost would amount to nearly

12% p.a

aged 35 years expects to earn till

next 25 years. He expects an annual

growth of 8% in her existing net

income of Rs. 5 lakh p.a. If he

considers an average investment

yield of 6% till his life expectancy of

80 years, what economic value could

be ascribed to his life today?

Solution:

Current net income 500,000 Rs. p.a.

Rate of increase of net income 8% p.a.

Investment yield from investing 6% p.a.

Number of years the incme is expected to

continue 25 years

Economic value 15,785,662 Rs.

PV((1+6%)/(1+8%)-1,25,-500000,0,1)

reverse mortgage scheme by mortgaging his

self-occupied house which is valued at Rs. 80

lakh. An approved lending institution agrees

to provide periodic monthly payments under

the scheme considering a loan to value ratio

of 80% and at a rate of interest of 13.75% p.a.

If the retiree opts for a 15-year term of

reverse mortage, what fixed periodic monthly

payments he stands to receive under the

scheme?

Solution:

Value of House 8,000,000 Rs.

Loan Eligible 6,400,000 Rs. 8000000*80%

Rate of Interest 13.75% p.a.

Term 15 years

180 months

Monthly payments under reverse

mortgage 10,703 Rs.

PMT(13.75%/12,180,0,-6400000,1)

month. His household expenses have exceeded his pension

of late and are Rs. 16,000 per month now. He has

approached an approved lending institution under Reverse

Mortgage Scheme. He is offered fixed monthly payments

for 15 years at a rate of interest of 13.75% on Rs. 64 lakh

eligible value of his home. He meets his annual expenses

as increased by 6% inflation every year and invests the

excess amount from his two fixed annuities, fixed pension

and reverse mortgage stream, in an investment yielding

10% p.a. at the end of every year starting from this year

onwards. You assess at the end of five years thus

accumulated fund against the total liability under Reverse

Mortgage and find that ______.

PV: Fixed annuities (Pension+RM stream) for 5-year

period 1,286,147 Rs. [1]PV(10%,5,(10703+15000)*12,0,1)

PV: Expenses rising @ 6% p.a. for 5-year period 892,675

Rs. [2]PV((1+10%)/(1+6%)-1,5,-16000*12,0,1)

PV of excess funds to be invested for 4 annual periods

393,472 Rs. [1-2] (Investment of excess funds began at

the end of year 1, thus 1st accumulation end of year 2,

----)

Accumulation at the end of year 5 576,083 Rs.

393472*(1+10%)^4

such a way that it gives first cash

flow at 6% of the corpus at the end

of first year and thereafter every

year in the form of growing annuity

at the rate of 5%. If the cash flows

are guaranteed for 15 years, what

rate of return is obtained on the

corpus invested?

Solution:

Suppose the corpus invested is: 100 Rs.

Cash flow at the end of first year 6 Rs.

Growth in annuity in every subsequent year 5.00% p.a.

Guaranteed period of annuity 15 years

(-) Corpus invested (100)

+ Cash flow Year 1 6

+ Cash flow Year 2 6.30

+ Cash flow Year 3 6.62

+ Cash flow Year 4 6.95

+ Cash flow Year 5 7.29

+ Cash flow Year 6 7.66

+ Cash flow Year 7 8.04

+ Cash flow Year 8 8.44

+ Cash flow Year 9 8.86

+ Cash flow Year 109.31

+ Cash flow Year 119.77

+ Cash flow Year 1210.26

+ Cash flow Year 1310.78

+ Cash flow Year 1411.31

+ Cash flow Year 1511.88

IRR 3.04%

annuity plan which provides an annual stream of

income, increasing year-on-year at 5%. He is due to

receive 5th installment of Rs. 5.50 lakh which is 6% of

the balance corpus remaining in annuity. He wants

the term of the annuity to increase. He estimates that

Rs. 4.75 lakh would be sufficient for his current living

expenses. He proposes this to the annuity provider

with other terms remaining as originally agreed. If the

yield of the annuity is 6.5% p.a., how many more

installments would get added in the restructured

annuity than the original?

% of balance amount 6%

The outstanding balance of corpus before 5th installment

9,166,667 Rs. 550000/6%

Revised withdrawal amount of 8th installment 475,000 Rs.

Interest rate 6.50% p.a.

Growth in annuity as agreed 5% p.a.

Outstanding corpus after paying 5th installment (out of 20)

8,691,667 Rs. 9166667-475000

Number of years the corpus to last beginning 6th install. 21.36

Rs. NPER(1.065/1.05-1,475000*1.05,-8691667*1.065,0,1)

Total installments including already 8 disbursed 26.36 5+21.36

Increase in installments 6.36 installments 26.36-20

Page

while their current living expenses are at 31,000 p.m.

They stay in their own house. You advise them to avail

a loan under reverse mortgage which is an eligible

lump sum of Rs. 40 lakh for 15 years at 12.5% p.a.

interest. The annual interest is calculated after every

12 months on the pre-standing balance and added to

the outstanding loan amount. You invest the available

amount after withholding the excess normal expenses

for the first year and considering 6% inflation thereafter

at the beginning of every year. If the investment yield

is 9% p.a., by what amount outstanding loan would

exceed investment after 8 years?

years 10,263,138 Rs.

4000000*(1+12.5%)^8

PV of 6% escalataing expenses discounted at 9% for 8

years (2,704,570) PV(1.09/1.06-1,8,372000,0,1)

PV of fixed pension discounted at 9% for 8 years

(2,171,863) PV(9%,8,30000*12,0,1)

PV of additional expenses recovered from RM loan

disbursed 532,707 2704570-2171863

Balance loan amount to be invested for 8 years at 9% p.a.

3,467,293 4000000-532707

Accumulated value after 8 years 6,908,798

3467293*(1+9%)^8

Shortfall in value accumulated from loan liability

(3,354,340) 6908798-10263138

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