Financial Planning of Guffran S Golandaj Monthly Expenditure Food & Grossery House rent Gas Electricity Mis exp

petrol & maintanence Self exp Insurance Total Annual Exp

Batch 69/70

4500 500 700 500 3000 1500 1200 11900 142800

Total Asset Equity Mutual Fund ULIP Debt EPF PPF Commodity GOLD BAR Real Estate Liquid Asset Cash In Bank Cash In Hand

Amt. 0 0 20000 123000 35000 88000 0 0 0 216000 206000 10000

Total Liability

Return generated on assets Equity Debt Commodity Real Estate Liquid Asset Total Return generated on assets

Amt 20000 123000 0 0 216000 359000

Recommended Investment Portfolio Equity Debt Commodity Real Estate Liquid Asset Total Return generated on assets

Percentage 60% 20% 10% 0 10% 1

CASH FLOW Analysis Total Income General Expenses Investable Surplus

Amount 310000 142000 168000

Retirement Planning Current Age Retirement Age Pending years Cur Monthly exp Annual Monthly exp

Amt 25 58 33 11900 142800

Post retirement exp Expected inflation rate Expected Monthly exp after retirement Expected Ann exp after retd. Income after retd After life expectancy No of yrs after retd Corpus needed for retd.

100% 8% 129325.2663 1551903.196 0 70 12 18622838.35

Dream Expenses Home Estimated exp of the dream External funding Bal expense No. of yrs after corpus reqd. Expected inflation rate Cost Expected in Future Marriage Estimated exp of the dream External funding Bal expense No. of yrs after corpus reqd. Cost Expected in Future

I have three homes so no plan for any new home Amt 0 0 0 0 10% 0 Amt 0 0 0 0 0

Contingency fund Cur exp per month No of mth for cont. fund Total Cont. fund Net Worth Revised Corpus for other dreams

Amt 11900 3 35700 153000 117300

Dreams Self Marriage Child Education Retirement Home Life Insurance Medical Insurance a) Parent b) Spouce & Me

Time Frame 2 23 33 0 0 0 20

Child Education No of yrs after corpus reqd. Education reqd. Expected education Inflation Exp. Higher edu. Today Total Corpus needed

Amt 23 Domestic 10% 500000 4070137.469

Insurance Planning Expence that need protection Parents Age No. of yrs support reqd Cur. Ann exp Self expense Expected inflation rate Total exp need protection Dreams that need protection Child Education Home Medical exp for dependent Total dream need protection No Liability so no cover Total Insurance cover Reqd.

Amt 50 25 206000 120000 326000 10% 3532114.138 0 0 0 0 3532114.138

Health Insurance a) Self & Spouse EST medical exp No. of yrs reqd Inflation Rate Corpus needed Less : Existing Medical cover Net Medical cover b) Parents EST medical exp No. of yrs reqd Inflation Rate Corpus needed Less : Existing Medical cover Net Medical cover

Amt 500000 20 10% 3363749.975 200000 3163749.975 500000 0 10% 500000 200000 300000

Roll No : NER2009SMBA1P004 Notes for Reference Food & Grossery 0.36 House rent 0.04 Gas 0.056 Electricity 0.04 It's Include the daily exp. like Mis exp Milk, Vegitble, and Emergency Doctor charges 0.24 petrol & maintanence 0 Self exp 0.12 Insurance 0.096

Equity 0 Debt 123000 Commodity Only Two ULIP policy of LIC 10000 each 0 Real Estate 0 216000 Liquid Asset Out of this 18000 from previous employer and about 17000 from current employer Total Current asset From last 4.8 Yrs (Monthly Rs. 2000) 339000 If it include Gold ornament then it's 20 gm.* currect Mkt rate Rs. 19550 39100 I have home but it not mine name it's my Fathers

NET WORTH 339000 It's always keep for aside for Medical Expenses and balance amount after mothly spending keep in s

pecentage 21 21 39 19 100

Return exp 15% 8.25% 10% 3.50% 5.76810585

Amt 3000 10147.5 0 0 7560 20707.5 5.76810585

Amt 20000 123000 0 0 216000 359000

Return exp 15% 8.25% 10% 3.50% 2070750

Amt 3000 10147.5 0 0 7560 20707.5 2070750

206012 Rs. 24000 of PPF, 20012 of Lic Policy and 20000 of Ulip

es so no plan for any new home

Total dream exp

I have sister and she got married 3 yrs before and all expenses has been funded by my Papa and two Sister's Marriage Amt Estimated exp of the dream 0 External funding 0 Bal expense 0 Expected inflation rate 10% No. of yrs after corpus reqd. 0 Cost Expected in Future 0

Target Year 2012 2035 2045 2012 2010 2010 2030

Total Insurance cover Reqd. Asset Owned Existing Life cover Additional Insurance reqd

3532114.138 482000 400000 2650114.138

Chart Title
Equity Debt Commodity Real Estate Liquid Asset

0% 36%

64% 0%

hly spending keep in saving account

00 of Ulip

d by my Papa and two Uncle