Client Data Gathering Form

Data Gathering Form

S.No. Guidelines for Client to fill the Data Gathering Form
1 Fill the form under the guidance of a Professional Financial Planner.
2 Fill the form accurately and completely to the best of your knowledge.
3 Involve your spouse in the process and mutually agree upon the data provided.
4 Mention NA (Not Applicable) for questions that do not relate to your circumstances.
5 Present & Provide photocopy of supporting documents wherever possible/required.

Confidentiality of Data & Documents

As Professional Financial Planners, we assure you that the data and documents provided by you during
the course of financial planning process will be kept confidential at all times.

S. No. Sections of the Data Gathering Form

1 Client Details - Personal, Family & Communication Details
2 Your Life's Relationship with Money (Optional)
3 Major Goals - Children's Future, House Purchase, Retirement, Car, Vacations
4 Other Goals, High-end Goals & Financial Well-being
5 Income - Salary, Bonus, Business, Rental etc
6 Expenditures - Household & Lifestyle Expenses, Insurance Premiums etc
7 Regular Investments - RDs, SIPs, Insurance Premiums, PPF/EPF
8 Insurance Policies - Life Insurance, General Insurance
9 Employment Benefits - EPF, Gratuity, Group Insurance etc
10 Investment Assets - Liquid, Debt, Equity, Gold, Real Estate
11 Personal Assets - House, Car & Jewellery
12 Personal Liabilities - Home Loan, Vehicle Loan, Personal Loan
13 Assumptions - Inflation, Income Growth, Returns, Loan Rates etc
14 Investment Risk Profile Questionnaire
15 Terms of Engagement (Planner Signature & Client Signature)

Client Details
Client Name Philip Naronha Date (dd/mm/yy) ###

By Sadique Neelgund, CFP Page 1 of 70

Client Data Gathering Form

Planner Name Suresh Pawar Client Code 101

By Sadique Neelgund, CFP Page 2 of 70

Client Data Gathering Form

Personal Details
Particulars Husband Wife
Name Philip Naronha Lina Naronha
Work Details Private Salaried Homemaker
Designation General Manager NA
Company Tata Group NA
Health History Normal Normal
Date of Birth dd/mm/yy 2-Nov-65 8-Oct-70
Current Age 46 41

Family Details
Particulars Child-1 Child-2 Father Mother
Name Veljon Vanessa
Current Status Schooling Schooling
Health History Normal Normal
Financially Dependent Yes Yes
Date of Birth 6-Jan-97 10-Aug-99
Current Age 14 12 111 111

Communication Details
Particulars Philip Naronha Lina Naronha
Mobile No. 9850501879 9423779059
Email ID
Residential Address

Your Life's Relationship with Money

Kindly answer these 3 questions on a separate piece of paper in 15-30 minutes. This will help you
explore your underlying values, hopes and dreams. You may choose not to disclose it to us.

S. No. The Three Questions

Imagine that you have enough money to take care of your needs, now and in the future. How
1 would you live your life? Would you change anything?

Imagine your doctor says you have only 5-10 years to live. You won’t feel sick, but you’ll never
2 know when death will come. What will you do? Will you change your life? How?

Now imagine that your doctor says you have only one day left to live. Ask yourself: What did I
3 miss? What did I not get to be or do?

By Sadique Neelgund, CFP Page 3 of 70

Client Data Gathering Form

* Ideally fill this before meeting the financial planner for data gathering meeting

By Sadique Neelgund, CFP Page 4 of 70

Client Data Gathering Form

Children's Future
Child 1 Name Veljon
Goals Graduation Post Graduation Marriage Others
Tentative Goal Age 18 22 26
Present Value of Goal 1,000,000 1,000,000 500,000
Or Give a Value Range NA 5-10 Lakh 5-10 Lakh
Priority (H/M/L) High High High

Child 2 Name Vanessa

Goals Graduation Post Graduation Marriage Others
Tentative Goal Age 18 22 26
Present Value of Goal 1,000,000 1,000,000 500,000
Or Give a Value Range NA 5-10 Lakh 5-10 Lakh
Priority (H/M/L) High High High
* Provide similar details of other children if any

House Purchase
Particulars Details Particulars Details
Purpose of House Purchase Upgrade House No. of Years 4
House Location Navi Mumbai Priority (H/M/L) High
Build-up Area (in Sq Ft) 1,000 Down Payment 20%
Rate per Sq Ft in Desired Location 6,000 Loan Funding 80%
Add Costs(%) like car park, high rise, tax 10% Time Range 2-6 years
Total Present Value of House 6,600,000 Cost Range 50-80 Lakh
Are you willing to sale your current/Ancestral house to fund new house? Yes

Retirement Planning
S.No. Questions Philip Naronha Lina Naronha
1 What would be your Retirement Age? 60 NA
2 Life Expectancy based on health & family history? 80 80
3 Any Specific Goals/Desires after Retirement? Grand Tour Grand Tour
4 Any plans of Early Retirement? What will you do if so? No No
5 Expecting any changes in lifestyle after Retirement? Same Same
6 Goal Priority Medium

By Sadique Neelgund, CFP Page 5 of 70

Client Data Gathering Form

Car Purchase
S.No. Questions Details
1 Are you planning to buy a new car? Yes
2 Have you thought of any particular model? Honda City
3 What is the current on-road price of desired car? 800,000
4 When do you want to purchase the new car (in years)? 6
5 Are you willing to sell your existing car? Yes
6 Goal Priority Medium

International Vacation
S.No. Questions Details
1 When do you plan to go tentatively (in years)? 4
2 Where do you plan to go next for next int. vacation? Australia
3 How many of the family members would be going? 4
4 Cost per head as per package tours as on today 75,000
5 Additional Costs - shopping, activites, visa etc 0
6 Total Cost of Vacation as on today 300,000
7 Goal Priority Medium

Other Goals
S.No. Goal Timeframe Amount Priority (H/M/L)
1 Home Renovation
2 Holiday Home / Second Home
3 Start New Business
4 Family Gifting
5 Child-birth Expenses
6 Big Purchases like furnitures etc
7 Parents Medical Emergency Fund
8 Loan Prepayment
9 Self Education/Upgrade
10 Others

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Client Data Gathering Form

High-end Goals
S.No. Goals & Dreams Timeframe Amount Priority (H/M/L)
1 Luxury Bunglow / Penthouse
2 Premium Club Memberships
3 Luxury Tour / World Tour
4 Luxury Car
5 Farmhouse
6 Art & Jewellery Collection
7 Float a Charitable Trust
8 Income Tax Planning
9 Estate & Legacy Planning / Will
10 Separate & Organize Business & Personal Finances

Financial Awareness, Discipline & Well-being

S.No. Questions Select Answers
1 I am aware of charges by insurance, mutual fund, bank and credit cards Yes
2 I organize and protect my financial statements and online login details No
3 I am aware of the tax saving avenues available and utilizing them Partially
4 I have a consolidated portfolio of Mutual Funds, Insurance & Stocks Yes
5 All my investments are nominated to the person of my choice. No
6 I channelize savings into investments. They don’t lie idle in bank. Yes
7 I have always made investments with a purpose/for a future goal. No
I am aware of how my employment benefits like PF, Sperannuation, Gratuity,
8 Yes
Group Insurance are structured and work for me.
My spouse is also aware of all the financials like investments, insurance, where
9 Yes
documents are stored, how to manage finances in my absense.
I have a Will in place and sure of how my assets will be distributed in case of
10 Yes
eventuality

Income (Net of Taxes)

S.No. Annual Incomes Philip Naronha Lina Naronha Total
1 Salary Income 1,050,000 1,050,000
2 Performance Bonus 300,000 300,000
3 Business Income 0
4 Rental Income 0
5 Investment Income 0 0

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Client Data Gathering Form

Total Income 1,350,000 0 1,350,000

*Kindly provide photocopy of Salary Structure if employed or Balance Sheet if in business

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Client Data Gathering Form

Expenditure
S.No. Particulars Monthly Annual % of Income
Household Expenses
1 Grocery & Toiletaries 7,000 84,000 0
2 House - Rent, Maintenance, Repair 2,000 24,000
3 Conveyance, Fuel & Maintenance 7,000 84,000
4 Medicines / Doctor / Healthcare 1,000 12,000
5 Electricity / Water / Labour / AMCs 3,000 36,000
6 Mobile / Telephone / Internet 1,000 12,000
Sub-total of Household Expenses 21,000 252,000 19%
Lifestyle Expenses
1 Clothes & Accessories 3,000 36,000
2 Shopping, Gifts, Whitegoods, Gadgets 1,500 18,000
3 Dining / Movies / Sports 1,000 12,000
4 Personal Care / Others 500 6,000
5 Advisors-Financial, Fitness etc 1,500 18,000
6 Travel & Annual Vacations 4,000 48,000
Lifestyle Expenses 11,500 138,000 10%
Dependent Expenses
1 Children's Schooling/College 5,000 60,000
2 Contribution to Parents, Siblings etc 0 0
Dependent Expenses 5,000 60,000 4%
Insurance Premiums
1 Life Insurance (Term) 0 0
2 General Insurance 1,273 15,276
Premiums & Advisory Fee 1,273 15,276 1%
Loan Servicing
1 Home Loan EMIs 21,440 257,280
2 Vehicle Loan EMIs 0 0
3 Personal Loan EMIs 0 0
Loan Servicing 21,440 257,280 19%

Net Outflows 60,213 722,556 54%

Savings (Inflows-Outflows) 52,287 627,444 46%

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Client Data Gathering Form

Regular Investments
S.No. Particulars Monthly Annual % of Income
1 Insurance Premiums (Investments) 8,628 103,532 8%
2 Mutual Fund SIPs
3 Recurring Deposits (RDs)
4 PPF/EPF
5 Others
Regular Monthly Investments 8,628 103,532 8%
Surplus (Savings-Invests) 43,659 523,912 39%

General Insurance Policies

S.No. Policy Name Philip Naronha Lina Naronha Others
1 Health Insurance 300,000 Floater NA
2 Critical Illness No No NA
3 Personal Accident NO NO NA
4 Householders Policy No No NA
5 Home Loan Assurance No No NA
6 Motor Insurance No No NA
*Kindly provide with photocopy of original Policy documents

Employment Benefits
S.No. Benefits Philip Naronha Lina Naronha
1 EPF Balance 959,132 NA
2 SA Balance 741,290 NA
3 Gratuity Yes NA
4 Group Mediclaim Yes(PA & Medical) NA
5 Group Life Ins NA NA
6 Group PA/CI NA NA
7 Working since-yrs) 16 NA
8 Basic Salary + DA 35,000 NA
*Kindly provide photocopy of all employment benefit statements & policies

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Client Data Gathering Form

Investment Assets
S.No. Particulars Philip Naronha Lina Naronha Joint/Dependents
Liquid
1 Savings Bank 350,000 30,000
2 Cash 0 0
Total Liquid Assets 350,000 30,000

1 Fixed Deposits 56,482 82,543

2 PPF (Public Provident Fund) 0 0
3 EPF /Superannuation Balance 1,700,422 0
4 NSC / POMIS / KVP / RDs etc 0 74,443
5 Debt Mutual Funds 0 0
6 Traditional Insurance Policies SV 463,538 65,053 129,265
7 Bonds/Debentures/CDs 0 0
Total Debt Assets 2,220,442 222,039 129,265
Equity
1 Direct Equity 324,832
2 Equity Mutual Funds 725,714
3 Unit-linked Insurance Policies SV 0
Total Equity Assets 1,050,546
Gold
1 ETFs/ Mutual Funds
2 Gold Coins / Bars / Piece 200,000
Total Gold Assets 200,000
Real Estate
1 Apartment / House 0
2 Plot / Agri Land / Holiday Home 450,000
3 Real Estate Funds / REITs 0
Real Estate Investments 450,000
Total Investment Assets 4,070,988 452,039 129,265
Have you done any of the investment with particular Purpose or Goal in Mind
Is there any inheritance of wealth/property expected under current circumstances

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Client Data Gathering Form

Personal Assets
S.No. Particulars Philip Naronha Lina Naronha Joint/Dependents
1 Residential Property 0 0 3,500,000
2 Vehicle 450,000 0 0
3 Jewellery 0 600,000 0
Total Personal Assets 450,000 600,000 3,500,000

Personal Liabilities
S.No. Particulars Outstanding Bal.Term (Yrs) Interest Rate Completion Age
1 Home Loan 460,000 2 Floating 48
2 Vehicle Loan NA NA NA NA
3 Personal Loan NA NA NA NA
4 Education Loan NA NA NA NA
5 Gold Loan NA NA NA NA
6 Credit Card NA NA NA NA

Assumptions
S.No. Assumption Sub-category Figure Sub-category Figure
1 Inflation General Inflation 7% Education Costs 7%
2 Income Growth Philip Naronha 10% Lina Naronha 10%
3 Retirement Age Philip Naronha 60 Lina Naronha NA
4 Life Expectency Philip Naronha 80 Lina Naronha 80
5 Tax Bracket Philip Naronha 30% Lina Naronha NA
6 Loan Rates Home Loan 11% Vehicle Loan 13%
Liquid 6% Real Estate 12%
7 Asset Returns Debt 8% Equity 14%
Gold 10%

Kindly review the assumptions we generally take to construct financial plans. We would require your
concurrance on the same. If you have a different view on any of the above, we can discuss and arrive at a
mutually agreed upon figures.

By Sadique Neelgund, CFP Page 12 of 70

Client Data Gathering Form

Risk Profiler
S.No. Questions & Answers Your Answer
1 How familiar are you with the share markets and stocks?
a Very little understanding or interest.
b Have enough experience to understand the importance of diversification.
c Know that markets fluctuate & different assets have different risk-return profile
d Understand all investment sectors & know various factors influencing performance.
Your Answer a
2 Equity assets can counter the eroding effect of inflation but is risky in short-term.
a I don’t know what inflation is
b Inflation may erode my savings but I have no tolerance for loss.
c I am conscious of the risks inflation presents, but would prefer a middle ground.
d I am comfortable with this trade off to beat inflation.
Your Answer b
3 Which of the risk/return scenarios would you be most comfortable with?
a Low risk/return (maximum return 6% pa, minimum return 4% pa)
b Moderate risk/return (maximum return 9% pa, minimum return 2% pa)
c Above average risk/return (maximum return 12% pa, minimum return -2% pa)
d High risk/return (maximum return 18% pa, minimum return -16% pa)
Your Answer c
4 Your reaction if your investment dropped from Rs 1,00,000 to Rs 80,000?
a Move the entire investment to cash
b Move some of the investment to cash
c Give it some more time
d Invest more
Your Answer b
5 If you were investing in a shares, which of the following would suit you best?
a I am not interested in shares
b A blue chip portfolio which pays regular dividends
c A mixture of large cap & mid cap shares
d A portfolio of shares whose value could rise or fall dramatically
Your Answer a

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Client Data Gathering Form

Terms of Professional Engagement (Planner Signature)

Scope of Services
Further to the Data Gathering Meeting held, we shall be covering the following goals/analysis in your
Personal Comprehensive Financial Plan to give you Financial Planning Recommendations;

S.No. Life Goals Yes/No Analysis Yes/No

1 Insurance Planning Yes Inflow/Outflow Yes
2 Contingency Funding Yes Assets/Liabilities Yes
3 Children's Future Yes Life Cashflows Yes
4 Retirement Planning Yes Insurance Policies Yes
5 Purchase of House Yes Mutual Funds Yes
6 Purchase of Car Yes Equity Portfolio Yes
7 International Vacation Yes Debt Instruments Yes
8 Others No Others No
Delivery of Services
1 The Financial Plan will be delivered in approximately 2 week after all the data is provided.
3 Investing/ Buying recommended products through us is optional
Ongoing Services at Additional Fees/Commissions
You will have the option to seek the following "Ongoing Services" from us;
1 Buy Mutual Funds, Stocks, Life Insurance, General Insurance, Deposits, PO Schemes
2 Will Preparation Service, Tax Filing Service & Other Professional Services
3 Guidance with Organizing Data, Documents, Investments & Portfolio Offline/Online
4 Regular mails/newsletter to update on developments affecting Your Financial Plan
5 Two-way Regular Meetings, video & phone calls, emails to check progress on action plan
6 Annual Financial Plan Renewal & Progress Check

Fee Quotation for "Comprehensive Financial Planning Services"

Based on the above scope of work we shall be charging you the following Professional Fee.
Kindly issue the cheque/online transfer in the name of XYZ

S.No. Particulars Amount

1 Professional Fee for above mentioned scope of work Rs. 10,000
2 GST @ 18% Rs. 1,800
3 Total Amount Rs. 11,800
4 50% Advance (Data Gathering) & 50% Balance (Plan Presentation) Rs. 5,900

Planner Signature Place

Planner Name Date

By Sadique Neelgund, CFP Page 14 of 70

Client Data Gathering Form

Terms of Professional Engagement (Client Signature)

Document Submission
I shall be submitting the following documents within 7 days of the Data Gathering Meeting.
S.No. Document Name How Many Yes/No
1 Savings Bank Balance & Accounts Yes
2 Life Insurance Policy Statements Yes
3 General Insurance Policy Statements Yes
4 Equity Portfolio Statements & Demat Accounts Yes
5 Mutual Fund Portfolio Statements Yes
6 Fixed Deposit Certificates Yes
7 Post Office Schemes (NSC, KVP, PPF, RDs etc) Yes
8 Loan Statements & Accounts Yes
9 PF / Superannuation / Gratuity Statements Yes
10 Latest Salary Slip / Salary Structure / Company Policies Yes
11 Balance Sheet / Profit-loss (for Self-employed) No
12 Primary Documents (PAN Card, Passport etc) No
13 Property Papers (Residential, Commercial) No
14 Primary Documents (PAN Card, Passport etc) No
15 Others (Online Passwords etc) No

Declaration

I understand that the Comprehensive Financial Plan prepared and the recommendations provided in the
plan will only be as accurate as the data and documents that has been collected during this data
gathering meeting. I declare that to the best of my knowledge, the information & documents provided is
complete and accurate.

Client Signature Place

Client Full Name Date

By Sadique Neelgund, CFP Page 15 of 70

Financial Plan Date: June 01, 2011 Strictly Private & Confidential

Comprehensive Financial Plan of

Ground Floor, Yugaramb, Next to Marathon Nextgen, Lower Parel - 400 013
Mobile: 9867209208, Email: sadique@networkfp.com, Website: www.networkfp.com
Financial Plan of 426121902.xls and Family

Wednesday, June 01, 2011

Philip Naronha
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0
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Dear Mr. Philip Naronha

Thank you for giving us an opportunity to prepare your financial flan. We appreciate your
proactive approach in achieving financial goals, fulfilling family commitments and also take
control of your personal finance matters.

The enclosed comprehensive financial plan of your family analysis your current financial
situation & future financial goals and provides financial planning recommendations and an
action plan to bridge the gap between two by address them on a timely basis.

The plan is prepared based on the information provided by you of your current circumstances
and future objectives. Please read the plan carefully to check for accuracy of the information
provided. However, it needs to be monitored on an ongoing basis and updated in response to
changes in your own circumstances and other factors such as government regulations, market
movements and macro economy.

We shall be glad to provide you with our ongoing services to implement & monitor your
financial plan to ensure you meet your financial goals. Kindly read our disclaimer & disclosure
on the last page. Please feel free to contact us if you need any clarifications or information.

Thanking you once again

Yours Sincerely

____________________
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0

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Financial Plan of 426121902.xls and Family

Table of Contents
S. No. Section Page No.
Executive Summary 4
1 Family Details 5
2 Client Goals & Objectives 6
3 Goal Funding Map 7
4 Key Figures in Graphical Representation 8-9-10
5 One Year Action Plan 11
6 Product Recommendations 12
Current Financials 13
1 Income Expenditure Statement (Cashflows) 14-15
2 Assets & Liabilities Statement (Networth) 16-17
3 General Insurance Policies 18
4 Life Insurance Policies 19
5 Fixed Deposits & Debt Instruments 20
6 Mutual Funds 21
7 Equity Shares 22
Future Goals 23
1 Financial Plan Assumptions 24
2 Contingency Funding 25
3 Life Insurance Needs 26
4 General Insurance Needs 27
5 Child 1 Future - Veljon 28
6 Child 2 Future - Vanessa 29
7 Retirement Planning 30
8 House Purchase 31
9 Car Purchase 32
10 International Vacation 33
Life Cashflows 34
1 Disclaimer & Discloser 35
2 Acknowledgement & Feedback 36

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Financial Plan of 426121902.xls and Family

Executive Summary

Contents
S. No. Section Page No.
1 Family Details 5
2 Client Goals & Objectives 6
3 Goal Funding Map 7
4 Key Figures in Graphical Representation 8-9-10
5 One Year Action Plan 11
6 Product Recommendations 12

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Financial Plan of 426121902.xls and Family

Family Details & Goals

Particulars Husband Wife Child-1 Child-2

Name Philip Naronha Lina Naronha Veljon Vanessa

Date of Birth 2-Nov-65 8-Oct-70 6-Jan-97 10-Aug-99

Current Age 46 41 14 12

Family Goals

Graduation ü ü

Post Graduation ü ü

Marriage ü ü

Retirement ü ü

House ü ü

Car ü ü

Vacations ü ü ü ü

Contingency Funds ü ü ü ü

Life Insurance ü

Health Insurance ü ü ü ü

Estate Planning ü ü

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Financial Plan of 426121902.xls and Family
Family Goals & Planner Comments
Family Goals
You would like to arrange 10 Lakhs
for Graduation at 18 and 10 lakhs for All the goals related to Child 2 can be achieved with monthly
her PG at 22 and 5 lakhs for
Marriage at 26 in today's value.
You would like to accumulate an
investment corpus to fund your
retirement expenses from age 60 to
80.
You would like to purchase a 2 BHK
flat in the next 4 years costing
around 60 lakhs in today's value in
Navi Mumbai
You would like to protect your
family's lifestyle, fulfil current
liabilities and commitments in case
of pre-mature death.
You would like to get insured for
medical & other emergencies, so
that the situation doesn’t drain out
your assets/savings
Your family would like to purchase a You can allocate and invest Rs. 2 lakhs from your existing savings
car in the next 6 years costing
around 8 lakhs in today's value.
Your family would like to go on an
international vacation in the next 4
years costing around 3 lakhs in
today's value
Prepared by Sadique Neelgund, CFP
Planner Comments
Veljon's Future
Vanessa's Future
investments of Rs. 7,000. We have utilized your existing insurance
policies & shares for these goals
Retirement Corpus
You need to start investing Rs. 12,000 pm in equity portfolio. We
have utilized your employment benefits i.e. EPF & Superannuation
towards this goal.
House Purchase
You can achieve this goal by making a downpayment from resale
value of existing house & plot and taking a fresh 10 year tenure
home loan.
Life Insurance
You are considerably under-insured for current family lifestyle,
commitments and liabilities. Buy 60 Lakhs of insurance coverage
on an immediate basis
Health/General Insurance
Though you have cover from your employer as benefit, it is ideal
to have your own comprehensive health cover for all family
members and critical Illness policy.
Car Purchase
account for this goal. And also start fresh investments of 7500 pm
in equity & debt instruments.
International Vacation
You can allocate your Fixed Deposits & KVPs for this goal and
invest around Rs. 1,500 in Debt Instruments till goal year.
Page 23 of 70
Financial Plan of 426121902.xls and Family

Goal Funding Map

S No. Particulars Present Value No of Yrs Future Value Current Assets Amount Future Assets Amount
Veljon's Future
1 Veljon - Graduation 1,000,000 4 1,275,088 Invest (p.m) -
2 Veljon - Post Grad 1,000,000 8 1,671,380 Invest (p.m) -
3 Veljon - Marriage 500,000 12 1,095,419 Invest (p.m) -
Total 2,500,000 4,041,887 - -
Vanessa's Future
4 Vanessa - Graduation 1,000,000 6 1,519,485 Invest (p.m) 13,862
5 Vanessa - Post Grad 1,000,000 10 1,991,735 Invest (p.m) 7,900
6 Vanessa - Marriage 500,000 14 1,305,379 Invest (p.m) 2,689
Total 7,500,000 4,816,599 - 24,451
Retirement Corpus
7 Retirement Corpus NA 46 16,557,038 Invest (p.m) -11,437
House Purchase
8 Downpayment 4 0 Invest (p.m) 0
6,600,000
Loan Funding 0 0 EMI 0
Total 6,600,000 0 0
Car Purchase
9 Downpayment 6 1,200,584 Invest (p.m) 16,675
800,000
Loan Funding 5 0 EMI 0
Total 800,000 1,200,584 0
International Vacation
10 Int Vacation 300,000 4 393,239 Invest (p.m) 8,192

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Financial Plan of 426121902.xls and Family

Invest (p.m) 37,882

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Financial Plan of 426121902.xls and Family

Key Figures in Graphs

Current Asset Allocation

Liquid 8.2%
Debt 55.3%
Gold 4.3%
Equity 22.6%
Real Estate 9.7%

Your Networth

Networth 8,742,292
Total Liabilities 460,000
Total Assets 9,202,292
Investment Assets 4,652,292
Personal Assets 4,550,000

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Financial Plan of 426121902.xls and Family

Key Figures in Graphs

Income Expenditure Statement (p.a.)

Income 1,350,000
Household Expenses 252,000
Lifestyle Expenses 138,000
Dependents Expenses 60,000
Pure Insurance 15,276
Premiums
Loan Servicing 257,280
Savings 627,444
Regular Investments 103,532
Surplus (Potential 523,912
Invest.)

Risk Return Assumption

Liquid 6.00%
Debt 8.00%
Gold 10.00%
Real Estate 12.00%
Equity 14.00%

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Financial Plan of 426121902.xls and Family

Key Figures in Graphs

Life Insurance Requirement
Current Life Insurance 0
Cover
Current Assets providing 0
cover
Present Value of Future 0
Income of Spouse
Additional Life Insurance 0
Requirement

Retirement Corpus Utilization

Annual Balance
Age Corpus Balance
Expenses Growth
61 16,557,038 -1,005,628 15,551,410 16,997,691

62 16,997,691 -1,076,022 15,921,669 17,402,384

63 17,402,384 -1,151,344 16,251,040 17,762,387

64 17,762,387 -1,231,938 16,530,449 18,067,781

65 18,067,781 -1,318,174 16,749,607 18,307,321

66 18,307,321 -1,410,446 16,896,875 18,468,284

67 18,468,284 -1,509,177 16,959,107 18,536,304

68 18,536,304 -1,614,819 16,921,485 18,495,183

69 18,495,183 -1,727,857 16,767,327 18,326,688

70 18,326,688 -1,848,807 16,477,881 18,010,324

71 18,010,324 -1,978,223 16,032,101 17,523,086

72 17,523,086 -2,116,699 15,406,388 16,839,182

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Financial Plan of 426121902.xls and Family

One Year Action Plan

S No What Why When How
Investments

Invest 1.5 lakhs from Savings account MF Distributor/

4 Car Purchase 6-12 months
into Equity MFs Network FP
Start Rs. 15,000 SIP in Mutual Funds / Children's MF Distributor/
5 0-6months
ETFs after company bonus Future Network FP
Start Rs. 12,000 SIP in Mutual Funds / Retirement MF Distributor/
6 0-3 months
ETFs Planning Network FP

7 Start Rs. 3,000 SIP in Mutual Funds / Car Purchase 0-3 months MF Distributor/
ETFs Network FP
Bank /
8 Start Rs. 10,000 RD in Fixed Deposits Vacation / Car 0-3 months Network FP
Insurance
Corrective Within 3 Self /
1 Surrender 2 insurance policies Action months Network FP
Buy Term Life Insurance Cover of Rs. 60 Life Cover Within 3 Insurance Agent /
2 Lakhs for self months Network FP
Buy Health Insurance of Rs. 3 Lakhs Within 3 Insurance Agent /
3 Health Cover
covering all family members months Network FP
Buy Critical Illness of Rs. 10 Lakhs each Critical Cover Within 3 Insurance Agent /
4 for self & spouse months Network FP
Others
Maintain 2.5 Lakhs in Savings account & Contingency Within 3
1 Self
covert into flexi a/c Planning Months
Organize & Consolidate all financial Within 6
2 General Self / Network FP
documents (preferably online) months
Ensure proper nomination of all Within 3
3 Estate Planning Self / Network FP
investment & physical assets months
Within 3
4 Make a Will Estate Planning Self / Network FP
months
Take second opinion before making any Preventive
5 NA Call / Mail
investment/insurance decision Action
Quarterly Reviews of Progress on
6 General Every 3 months Call / Meet
Action Plan

7 Annual Review of Financial Plan General After 1 Year Meeting after 1 Year

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Financial Plan of 426121902.xls and Family

Product Recommendations
S No Products SIP Lumpsum Source Goal
Diversified Equity Mutual Funds

Monthly
5 Mutual Fund 5 Savings
Insurance
6 Mutual Fund 6 50,000 Surrender
Monthly
7 Mutual Fund 7 5,000 Savings
Insurance
8 Mutual Fund 8 50,000 Surrender
Monthly
9 Mutual Fund 9 5,000 Savings
Monthly
10 Mutual Fund 10 5,000 Savings

Exchange Traded Funds (ETFs)

Bank
1 ETF 1 5,000 100,000 Balance
Bank
2 ETF 2 50,000 Balance

Deposits (Corporate / Bank)

Monthly
1 Deposit 1 5,000 Savings
Monthly
2 Deposit 2 5,000 Savings

Total 30,000 250,000

S No Products Cover Premium Source Goal

Term Life Insurance

Insurance
1 Insurance Policy 1 3,000,000 15,000 Surrender
Insurance
3 Insurance Policy 2 3,000,000 15,000 Surrender

Health Insurance
Insurance
1 Health Insurance 1 300,000 10,000 Surrender

2 Health Insurance 2

Personal Accident
1 Personal Accident 1

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Financial Plan of 426121902.xls and Family

Critical Illness
Insurance
1 Critical Illness Policy 1 1,000,000 15,000 Surrender

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Financial Plan of 426121902.xls and Family

Current Financials

Contents
S. No. Section Page No.
1 Income Expenditure Statement (Cashflows) 14-15
2 Assets & Liabilities Statement (Networth) 16-17
3 General Insurance Policies 18
4 Life Insurance Policies 19
5 Fixed Deposits & Debt Instruments 20
6 Mutual Funds 21
7 Equity Shares 22

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Cashflow Statement
Income (Net of Taxes)
S.No. Annual Incomes Monthly Annual % of Income
1 Salary Income 87,500 1,050,000
2 Performance Bonus 25,000 300,000
3 Business Income 0 0
4 Rental Income 0 0
5 Investment Income 0 0
Total Income 112,500 1,350,000 100%

Regular Investments
S.No. Particulars Monthly Annual % of Income
1 Insurance Premiums (Investments) 8,628 103,532
2 Mutual Fund SIPs 0 0
3 Recurring Deposits (RDs) 0 0
4 PPF/EPF 0 0
5 Others 0 0
Regular Monthly Investments 8,628 103,532 8%
Potential for Additional Reg Investments 43,659 523,912 39%

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Expenditures
S.No. Particulars Monthly Annual % of Income
Household Expenses
1 Grocery & Toiletaries 7,000 84,000
2 House - Rent, Maintenance, Repair 2,000 24,000
3 Conveyance, Fuel & Maintenance 7,000 84,000
4 Medicines / Doctor / Healthcare 1,000 12,000
5 Electricity / Water / Labour / AMCs 3,000 36,000
6 Mobile / Telephone / Internet 1,000 12,000
Sub-total of Household Expenses 21,000 252,000 19%
Lifestyle Expenses
1 Clothes & Accessories 3,000 36,000
2 Shopping, Gifts, Whitegoods, Gadgets 1,500 18,000
3 Dining / Movies / Sports 1,000 12,000
4 Personal Care / Others 500 6,000
5 Coach - Financial, Fitness, Personal 1,500 18,000
5 Travel & Annual Vacations 4,000 48,000
Lifestyle Expenses 11,500 138,000 10%
Dependent Expenses
1 Children's Schooling/College 5,000 60,000
2 Contribution to Parents, Siblings etc 0 0
Dependent Expenses 5,000 60,000 4%
Insurance Premiums
1 Life Insurance (Term) 0 0
2 General Insurance 1,273 15,276
Insurance Premiums 1,273 15,276 1%
Loan Servicing
1 Home Loan EMIs 21,440 257,280
2 Vehicle Loan EMIs 0 0
3 Personal Loan EMIs 0 0
Loan Servicing 21,440 257,280 19%

Net Outflows 60,213 722,556 54%

Savings (Inflows-Outflows) 52,287 627,444 46%

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Networth Statement
Investment Assets
S No Particulars Total Goals Mapped Remarks
Liquid
1 Savings Bank/Cash in Hand 380,000
2 Receivables 0
Total Liquid Assets 380,000 8%
Debt
1 Fixed Deposits 139,025
2 PPF (Public Provident Fund) 0
3 EPF + SA + Gratuity 1,700,422
4 NSC / POMIS / KVP / RDs etc 74,443
5 Debt Mutual Funds 0
6 Traditional Insurance Policies SV 657,856
7 Bonds/Debentures/CDs 0
Total Debt Assets 2,571,746 55%
Equity
1 Direct Equity 324,832
2 Equity Mutual Funds 725,714
3 Unit-linked Insurance SV 0
Total Equity Assets 1,050,546 23%
Gold
1 ETFs/ Mutual Funds 0
2 Gold Bars / Coins etc 200,000
Total Gold 200,000 4%
Real Estate
1 Apartment / House 0
2 Plot / Land / Holiday Home 450,000
3 Real Estate Funds / REITs 0
Real Estate 450,000 10%

Investment Assets 4,652,292 100%

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Personal Assets & Liabilities

S No Particulars Total Goals Mapped Remarks
Personal Assets
1 Residential Property 3,500,000
2 Vehicles 450,000
3 Jewellery 600,000
Total Personal Assets 4,550,000
Personal Liabilities
1 Home Loan 460,000
2 Vehicle Loan NA
3 Personal Loan NA
4 Education Loan NA
5 Gold Loan NA
6 Credit Card NA
Total Liabilities 460,000

Networth Statement
S No Particulars Total Remarks
A Total Investment Assets 4,652,292
B Total Personal Assets 4,550,000
C Total Personal Liabilities 460,000
Your Networth (A+B-C) 8,742,292

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Current General Insurance Policies

End / Renewal
S No. Type Policy Name Sum Insured Annual Premium Insured Recommendation
Date

1 Health Insurance 300,000 15,276

2 Critical Illness

3 Personal Accident

4 Householders Policy

5 Home Loan Assurance

6 Motor Insurance

7 Group Mediclaim

8 Group Personal Accident

Total Premium 15,276

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Financial Plan of 426121902.xls and Family

Current Life Insurance Policies

Years
S Premium PPT Start Date Maturity Life Cover Surrender Maturity Recomme Goals Goal
Policy Name Type Yield Reinve Returns
No (pa) Date Value Value ndation Mapped Amount
st
Philip Naronha
Endowment
1 Endowment 36,404 15 Nov/00 Nov/15 745,500 322,922 841,500 5.24% continue Child 1
Policy
2 Jeevan Mira Endowment 4,464 25 Apr/95 Apr/20 300,000 64,474 302,300 7.00% continue child 2
child 1
3 New Money Back money back 5,238 25 Nov/91 Nov/16 200,000 76,412 195,600 6.73% continue graducatio
n

Total 46,106 1,245,500 463,808 1,339,400

Lina Naronha
1 Jeevan Bharti Moneyback 15,110 20 Aug/03 Aug/23 266,000 32,768 370,000 2.81% 6.00% 32,768

Money-Back with
2 Moneyback 6,409 20 Jul/00 Jul/20 146,100 32,285 192,600 5.61% 6.00% 192,600
Profit + AB
Total 21,519 412,100 65,053 562,600

Veljon
1

Total 0 0 0 0

Vanessa
1 Komal Jeevan Children's 35,907 18 Sep/05 Sep/31 500,000 129,265 1,485,000 5.81% 6.00% 129,265

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Financial Plan of 426121902.xls and Family

Total 35,907 500,000 129,265 1,485,000

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Financial Plan of 426121902.xls and Family

Current Deposits
Investment Investment Interest Current Maturity Maturity Recommend Goals Years
S No. Instrument Returns Goal Amount
Date Value % Value Date Value ation Mapped Reinvest

Bank Deposits
1 ICICI FD 19/Dec/09 50,000 8.50% 56,482 19/Dec/12 64,350 Continue 2.00 8.70% 76,034
Int Vac.
2 ICICI FD 4/May/10 75,000 9.00% 82,543 4/May/13 97,953 Continue 1.50 8.70% 111,010
3
Post Office Deposits
1 KVP 6/May/06 50,000 8.00% 74,443 6/Dec/14 100,000 Continue Int Vac. 0.00 6.00% 100,000
2
3
Company Deposits
1
2
3
Total 213,468 287,044

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Current Mutual Funds

Ongoing Investment Investment Current Returns Recommenda Goals Years
S No Fund Name SIP Date Value Value (CAGR) tion Mapped Reinvest Returns Goal Amount
Amount
Equity Mutual Funds
1 Fidelity Tax Advantage Fund 6.00% 0

2 Kotak 30 Equity - Growth 6.00% 0

3 DSP BR Top 100 - Growth 6.00% 0

4 Reliance Infrastructure Fund 6.00% 0

Principal Personal Tax Saver -
5 Dividend Payout 6.00% 0

6 UTI Wealth Builder Fund 6.00% 0

Sundaram BNP Paribas Tax Saver
7 - Growth 6.00% 0

8 HDFC Premium Multicap Fund 6.00% 0

10

Total Equity Funds 0 0 0 0

Debt-Oriented Mutual Funds

1

Total Debt Funds 0 0 0

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Financial Plan of 426121902.xls and Family

Current Equity Portfolio

No of Investment Returns Years
Sr. No. Script Name Current Value Recommendation Goals Mapped Returns Goal Amount
Shares Value (Absolute) Reinvest

1 Adani Power 200 20,000 21,520 6.00% 21,520

2 Areva T&D 100 29,600 27,015 6.00% 27,015

3 AXIS Bank 35 32,075 36,010 6.00% 36,010

4 Bajaj Hind 100 20,163 17,200 6.00% 17,200

5 Bharti Airtel 50 16,090 14,280 6.00% 14,280

6 Hind Zinc 25 24,185 26,431 6.00% 26,431

7 Hindalco 130 17,375 18,311 6.00% 18,311

8 ICICI Bank 20 17,000 16,347 6.00% 16,347

9 Infosys 10 25,325 24,987 6.00% 24,987

10 Larsen 20 28,080 28,661 6.00% 28,661

11 Mahindra Satyam 250 25,250 24,275 6.00% 24,275

12 NHPC 500 18,000 16,075 6.00% 16,075

13 Reliance 20 20,940 20,200 6.00% 20,200

14 SBI 10 22,000 18,950 6.00% 18,950

15 Suzlon Energy 200 16,375 14,570 6.00% 14,570

Total 332,458 324,832 -2.29% 324,832

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Future Goals

S. No. Section Page No.

1 Contingency Funding 25
2 Life Insurance Needs 26
3 General Insurance Needs 27
4 Child 1 Future - Veljon 28
5 Child 2 Future - Vanessa 29
6 Retirement Planning 30
7 House Purchase 31
8 Car Purchase 32
9 International Vacation 33

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Financial Plan Assumptions

S.No. Assumption Sub-category Figure Sub-category Figure
1 Inflation General Inflation 7% Education Costs 7%
2 Income Growth Philip Naronha 10% Lina Naronha 10%
3 Retirement Age Philip Naronha 60 Lina Naronha
4 Life Expectency Philip Naronha 80 Lina Naronha 80
5 Tax Bracket Philip Naronha 30% Lina Naronha NA
6 Loan Rates Home Loan 11% Vehicle Loan 13%
Liquid 6% Real Estate 12%
7 Asset Returns Debt 8% Equity 14%
Gold 10%

Asset Allocation Assumptions(Based on Time Horizon of Goal)

S.No. Particulars Liquid Debt Gold Real Est. Equity Total

Average Returns 6.00% 8.00% 10.00% 12.00% 14.00% NA

0-1 Year Allocation 100.00% 0.00% 0.00% 0.00% 0.00% 100.00%

0-1 Year Returns 6.00% 0.00% 0.00% 0.00% 0.00% 6.00%

Short
Term
1-3 Year Allocation 10.00% 75.00% 0.00% 0.00% 15.00% 100.00%

1-3 Year Returns 0.60% 6.00% 0.00% 0.00% 2.10% 8.70%

3-6 Year Allocation

Medium
Term
3-6 Year Returns

6-10 Year Allocation 0.00% 25.00% 10.00% 0.00% 65.00% 100.00%

6-10 Year Returns 0.00% 2.00% 1.00% 0.00% 9.10% 12.10%

Long
Term
10+ Year Allocation 0.00% 10.00% 10.00% 0.00% 80.00% 100.00%

10+ Year Returns 0.00% 0.80% 1.00% 0.00% 11.20% 13.00%

Retirement Allocation 10.00% 65.00% 0.00% 0.00% 25.00% 100.00%

Income Retirement Returns 0.60% 5.20% 0.00% 0.00% 3.50% 9.30%

Generati
on Insurance Allocation

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 Income
Generati
Financial
on Plan of 426121902.xls and Family

Insurance Returns

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Life Insurance Needs

Client Goal / Requirement
You would like to protect your family's lifestyle, fulfil
current liabilities and commitments in case of pre- Picture
mature death.

Calculations
Sr. No. Particulars Amount Remarks/Notes
Outstanding Liability
1 Home Loan
2 Vehicle Loan
3 Personal Loan
4 Education Loan
5 Gold Loan
6 Credit Card Outstanding
Total Outstanding Liability (A)
Family Goals & Commitments
1 Children's Education & Marriage
2 Children's Primary Education
3 Contribution to Dependents
4 House Purchase (First House only)
Total Family Goals & Commitments (B)
Corpus for Regular Expenses
1 Household Expenses
2 Lifestyle Expenses
3 Total Expenses
4 Discounting Factor
5 Current Annual Expenses
6 Remaining Life of Spouse
7 Inflation Rate
10 Tax Adjusted Returns
11 Net Returns (Real Rate of Return)
Corpus for Regular Expenses in Future (C)
A+B+C Total Life Insurance Required (D)
Current Resources Available
1 Life Insurance Sum Assured (on Husband)
2 Current Investment Assets (Less SV of Client)

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3 Present Value of Future Earnings by Spouse

Total Resources Available (E)
D-E Additional Cover Required
Approximate Premium for Cover Required
Planner Comments /Observations
You are considerably under-insured for current family lifestyle, commitments and liabilities.
Buy 60 Lakhs of insurance coverage on an immediate basis

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General Insurance Needs

Client Goal / Requirement
You would like to get insured for medical & other
emergencies, so that the situation doesn’t drain out your Picture
assets/savings

Details
Approx. Annual
Sr. No. Type Cover For Remarks
Premium

1 Health Insurance

2 Critical Illness

3 Personal Accident

4 Motor Insurance

5 Householders Policy

6 Home Loan Assurance

Total Premium 0

Planner Comments/Observations
Though you have cover from your employer as benefit, it is ideal to have your own
comprehensive health cover for all family members and critical Illness policy.

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Contingency Funding
Client Goal / Requirement
You would like to have contingency funds in case
of emergencies like job loss, medical issues or Picture
monetary help to relatives

Calculations
Sr. No Particulars Amount Remarks/Notes
Current Monthly Expenses
1 Household Expenses
2 Lifestyle Expenses
3 Dependent Expenses
4 Insurance Premiums
5 Loan Servicing
Total Monthly Expenses
Contingency Fund Requirement
Contingency Period (No. of Months)
Total Contingency Funds Required
In Savings Bank (For Regular Expenses)
As Fixed Deposits (For Emergencies)
Utilization of Current Assets
1 Savings Bank Balance
2
3
4
Total Current Assets Utilized
Fresh Savings Required
Deficit (Funds Required-Assets Utilized)
No. of Months in Savings Period
Monthly Savings Required

Planner Comments / Observations

We have assigned the savings bank balance and some fixed deposits towards having a
contingency fund in place to meet emergencies.

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Veljon's Future
Client Goal / Requirement
You would like to arrange 10 Lakhs for Graduation at
18 and 10 lakhs for his PG at 22 and 5 lakhs for Picture
Marriage at 26 in today's value.

Calculations
Sr. No Details Graduation PG Marriage
Present Value of Goals
Present Value of Goal 1,000,000 1,000,000 500,000
Goal Age 18 22 26
Remaining Years for Goal 4 8 12
Goal Year 2015 2019 2023
Expected Inflation of Expenses 7.00% 7.00% 7.00%
Future Value of Goal 1,275,088 1,671,380 1,095,419
Utilization of Current Assets
1 Endowment Policy + Moneyback
2 Jeevan Mitra + Moneyback
3 Equity Shares
4
Current Assets Utilized
Percentage of Goal on Track
Fresh Investments Required
Shortfall to met by Fresh Investments
Start investing after (no. of years)
Stop investing before (no. of years)
Expected Investment Returns
Lumpsum Investments after Current Assets
Monthly Investments (Fixed)
Monthly Investments (Growing)

Planner Comments/Observations
All the goals related to Child 1 can be achieved with monthly investments of Rs. 11,000. We
have utilized your existing insurance policies & shares for these goals

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Financial Plan of 426121902.xls and Family

Vanessa's Future
Client Goal / Requirement
You would like to arrange 10 Lakhs for Graduation at Picture
18 and 10 lakhs for her PG at 22 and 5 lakhs for
Marriage at 26 in today's value.

Calculations
Sr. No Details Graduation PG Marriage
Future Value of Goals
Present Value of Goal 1,000,000 1,000,000 500,000
Goal Age 18 22 26
Remaining Years for Goal 6 10 14
Goal Year 2017 2021 2025
Expected Inflation of Expenses 7.00% 7.00% 7.00%
Future Value of Goal 1,519,485 1,991,735 1,305,379
Utilization of Current Assets
1 Komal Jeevan
2 Jeevan Bharti
3 Mutual Funds
4 Gold
Current Assets Utilized 0 0 0
Percentage of Goal on Track 0% 0% 0%
Fresh Investments Required
Shortfall to met by Fresh Investments 1,519,485 1,991,735 1,305,379
Start investing after (no. of years)
Stop investing before (no. of years)
Expected Investment Returns 12.10% 13.00% 13.00%
Lumpsum Investments 749,820 573,725 230,619
Monthly Investments (Fixed) 13,862 7,900 2,689
Monthly Investments (Growing) 10,607 5,296 1,608

Planner Comments/Observations
All the goals related to Child 2 can be achieved with monthly investments of Rs. 7,000. We have
utilized your existing insurance policies & shares for these goals

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Retirement Corpus
Client Goal / Requirement

You would like to accumulate an investment corpus Picture

to fund your retirement expenses from age 60 to 80.

Calculations
Sr. No Particulars Amount Remarks/Notes
Current Annual Expenses
Household Expenses 21,000
Lifestyle Expenses 11,500
Add / Deduct (Vacations, Insurance etc) 0
Total Monthly Expenses 32,500
Total Annual Expenses 390,000
Future Annual Expenses @ Retirement Age
Inflation 7.00%
No. of Years for Retirement 46
Retirement Year
Expenses in the First Year of Retirement 1,005,628
Corpus Required to Fund Retirement Expenses
Estate to be left behind for Children
No. of Years Post Retirement 20
Inflation during Retirement Years 7.00%
Net Tax on Investment Income 0.00%
Investment Returns on Retirement Corpus 9.30%
Tax Adjusted Returns 9.30%
Net Returns 2.15%
Retirement Corpus 16,557,038
Utilization of Employment Benefits
1 EPF 6,609,717
2 Superannuation 3,335,216
3 Gratuity 1,157,186
Total Employment Benefits @ Retirement 11,102,119
Utilization of Current Assets
1 None
2
3

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4
Total Current Assets Utilized 0
Percentage of Goal on Track 67%
Fresh Investments Required
Deficit (Corpus Required-Assets Utilized) 5,454,919
Start investing after (no. of years)
Stop investing before (no. of years)
Expected Investment Returns 13.00%
Lumpsum Funding Required (If Available) -985,576
Monthly Investments (Fixed) -11,437
Monthly Investments (based on APR) 203
Monthly Investments (Growing) 61

Planner Comments/Observations
You need to start investing Rs. 12,000 pm in equity portfolio. We have utilized your
employment benefits i.e. EPF & Superannuation towards this goal.

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14

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House Purchase
Client Goal / Requirement
You would like to purchase a 2 BHK flat in the next 4 Picture
years costing around 60 lakhs in today's value in Navi
Mumbai

Calculations
Sr. No Particulars Amount Remarks/Notes
Future Value of House
Present Value of House 6,600,000
Growth Rate of Real Estate 12.00%
Current Age 46
Number of Years for Goal 4
Expected Age of Buying House 50
Goal Year 2011 10,385,228
Future Value of House
Home Loan / Downpayment
Home Loan Funding 1
Home Loan Amount
Down-Payment
Down-Payment Amount
Home Loan Feasibilty
Expected Monthly Income while buying 112500
Ideal Percentage of EMI to Monthly Income
Ideal Home Loan EMI Limit
Home Loan Rate
Home Loan Tenure (in Years)
Home Loan EMI
Utilization of Current Assets for Down-payment
1 Resale Value of Current House
2 Sale of Plot
3
4
Total Current Assets Utilized 0
Percentage of Goal on Track #DIV/0!
Fresh Investments Required for Down-payment
Deficit (Corpus Required-Assets Utilized) 0

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Start investing after (no. of years)

Stop investing before (no. of years)
Expected Investment Returns 0.00%
Lumpsum Funding Required (If Available) 0
Monthly Investments (Fixed) 0
Monthly Investments (based on APR) 0
Monthly Investments (Growing) 0

Planner Comments/Observations
You can achieve this goal by making a downpayment from resale value of existing house & plot
and taking a fresh 10 year tenure home loan.

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Financial Plan of 426121902.xls and Family

164711
35%
57649
11%
10
114445

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Car Purchase
Client Goal / Requirement

Your family would like to purchase a car in the next 6 Picture

years costing around 8 lakhs in today's value.

Calculations
S. No. Particulars Amount Remarks/Notes
Future Value of Car
Current On Road Price of the Car 800,000
Inflation 7.00%
Current Age 46
Number of Years for Goal 6
Expected Age of Buying a Car 52
Goal Year 2017
Future Value of Car 1,200,584
Loan vs. Downpayment
Vehicle Loan 0%
Vehicle Loan Amount 0
Down-Payment 100%
Down-Payment Amount 1,200,584
Vehicle Loan EMI
Vehicle Loan Rate 13%
Vehicle Loan Tenure (in Years) 5
Vehicle Loan EMI 0
Utilization of Current Assets for Down-payment
1 Resale value of Car
2 SB A/C surplus Re-investment
Total Current Assets Utilized 0
Percentage of Goal on Track 0%
Fresh Investments Required for Down-payment
Deficit (Corpus Required-Assets Utilized) 1,200,584
Expected Investment Returns 0.00%
Monthly Investments (Fixed) 16,675
Monthly Investments (Growing) 12,967

Planner Comments/Observations

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Financial Plan of 426121902.xls and Family

You can allocate and invest Rs. 2 lakhs from your existing savings account for this goal. And
also start fresh investments of 7500 pm in equity & debt instruments.

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International Vacation
Client Goal / Requirement
Your family would like to go on an international Picture
vacation in the next 4 years costing around 3 lakhs in
today's value

Calculations
S. No. Particulars Amount Remarks
Future Value of Vacation
Present Value of the Vacation 300,000
Inflation 7.00%
Current Age 46
Number of Years for Goal 4
Expected Age of Going for Vacation 50
Goal Year 2015
Future Cost of Vacation 393,239
Utilization of Current Assets
1 FDs & KVPs
2
3
4
Total Current Assets Utilized 0
Percentage of Goal on Track 0%
Fresh Investments Required
Deficit (Corpus Required-Assets Utilized) 393,239
Start investing after (no. of years)
Stop investing before (no. of years)
Expected Investment Returns 0.00%
Lumpsum Funding Required (If Available) 393,239
Monthly Investments Required 8,192
Monthly Investments (Growing) 7,061

Planner Comments/Observations
You can allocate your Fixed Deposits & KVPs for this goal and invest around Rs. 1,500 in Debt
Instruments till goal year.

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Life Cashflows
S. No. Particulars 2011 2012 2013 2014 2015
Age Schedule
1 Philip Naronha 46 47 48 49 50
2 Lina Naronha 41 42 43 44 45
3 Veljon 14 15 16 17 18
4 Vanessa 12 13 14 15 16
Inflows
1 Income (Husband) 1,350,000 1,485,000 1,633,500 1,796,850 1,976,535
2 Income (Wife) 0 0 0 0 0
Total Inflows 1,350,000 1,485,000 1,633,500 1,796,850 1,976,535
Expenses
1 Household Expenses
2 Lifestyle Expenses 138,000 147,660 157,996 169,056 180,890
3 Children's Schooling/College 60,000 64,200 68,694 73,503 78,648
Contribution to Parents, Siblings
4 0 0 0 0 0
etc
5 Pure Insurance Premiums 15,276 16,345 17,489 18,714 20,024
6 Loan EMIs 257,280 257,280 0 0 0
Total Expenses 470,556 485,485 244,180 261,272 279,561
Savings (Inflows-Outflows) 879,444 999,515 1,389,320 1,535,578 1,696,974
Regular Investments
1 PPF (Public Provident Fund)
2 Recurring Deposits (RDs) 0 0 0 0 0
Insurance Premiums
3 103,532 103,532 103,532 103,532 103,532
(Investments)
4 Mutual Fund SIPs 0 0 0 0 0
Current Regular Investments 103,532 103,532 103,532 103,532 103,532
Current Surplus (Savings-Invts) 775,912 895,983 1,285,788 1,432,046 1,593,442
Investment Recommendations
1 Veljon's Future - Graduation
2 Veljon's Future - PG 0 0 0 0 0
3 Veljon's Future - Marriage 0 0 0 0 0
4 Vanessa's Future - Graduation 166,340 166,340 166,340 166,340 166,340
5 Vanessa's Future - PG 94,801 94,801 94,801 94,801 94,801
6 Vanessa's Future - Marriage 32,271 32,271 32,271 32,271 32,271
7 Retirement Funding -137,241 -137,241 -137,241 -137,241 -137,241
8 House Purchase 0 0 0 0 0
9 Car Purchase 200,097 200,097 200,097 200,097 200,097
10 International Vacation 98,310 98,310 98,310 98,310 98,310
Total Fresh Investments 454,579 454,579 454,579 454,579 454,579
Insurance Recommendations
1 Life Insurance 0 0 0 0 0
2 Health Insurance 0 0 0 0 0
3 Other Insurances 0 0 0 0 0
4 Policy Surrenders (if any)
Total Premiums 0 0 0 0 0
Loan Recommendations
1 Home Loan
Total Loan EMIs 0 0 0 0 0

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Surplus after Recmdations 321,333 441,404 831,210 977,467 1,138,863

Cumulative Surplus 321,333 762,737 1,593,947 2,571,414 3,710,277

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Disclaimer & Disclosure

Disclaimer

A Financial Plan is a generic direction to your cash flows over a period of time. Your future financial
condition may alter due to changes in income/expense patterns, new family commitments, macro
economic scenario etc which may prompt you to alter some aspects of your goals and add new goals.
Therefore this Financial Plan and the Cashflows depicted in it should be used to give you a long term
direction for managing your personal finances while taking immediate actions as a step towards
accomplishing your financial objectives.

These recommendations are subject to review at the time when you are actually taking actions as
recommended because of changes in legal circumstances, economic conditions etc. If considerable
time has elapsed since the date of this plan, you should not act on any specific recommendation
without further consideration with the planner.

Returns from each recommended investment will vary in line with market conditions and investment
policies of the fund manager. Income and growth assumptions are intended as a guide only and should
be treated with caution. The planner should not be held responsible for the accuracy of the same.
Most equity/ growth investment are long term in nature and significant variations including capital
loss, may occur over shorter periods. Neither the authorized representative nor the company
guarantees the performance or return of capital on any of these investments. Performances of
investments are subject to market risks. Past performances of a particular asset class or investment
may not be the true indicator of their performance in future.

These recommendations are based on the information you have supplied. If any material information
has been withheld or any inaccurate, these recommendations could prove to be inappropriate for you.

While we have made every attempt to ensure that the calculations contained in this Financial Plan are
correct and complete, kindly note the plan may contain inaccuracies or errors due the manual-
computer interface involved in making the calculations and we expressly exclude liability for any such
inaccuracies or errors. In the case where a error or omission is involved, you can request us to rectify
the error or omission, we shall do needful.

Disclosure

If the product recommendation are implemented through us, we would receive applicable
brokerage/commissions/trails from all/some of the investments recommended. We will be entitled to
commission directly from product providers. We will be also eligible to other incentives including
allowances and incentives based on volumes, discounted services and awards. However these benefits
& compensation from the product manufacturers shall be disclosed wherever applicable to you and
will not be the basis for any recommendations.

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Acknowledgement & Feedback

I aknowledge that Sadique Neelgund of Network FP has submitted the Comprehensive
Financial Plan for me and my family based on the details I had given to him / her during the
Data Gathering Meeting.

I understand the performance of the plan and desired results may vary based on factors like
implementation of plan by me, change in assumptions, economic parameters, deviation in
product perfoemance etc. These are beyond the purview and control of the FInancial
Planner.

I realize that financial planning is not a one time activity but an on-going activity to manage
money and hence it needs to be monitored and reviewed regularly as recommended by the
financial planner and or when there are changes in internal and external circumstances.

Feedback Form
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Were all your financial goals, aspirations

and needs addressed?
Did Financial Planner have enough
domain knowledge to handle your case?
Was the financial plan and it's
recommendation understood by you?
Were you properly guided to give all
information / retrieve all documents?
Do you feel more confident about
achieving your goals and feel in control?

Would you like to give any Feedback/Complaints/Testimonial about Network FP /

Sadique Neelgund / Financial Planning Proceess?

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Client Signature: Place:

Client Name: Date:

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Miscellaneous Calculators

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Asset-Goal Mapping Sheet

Sr. Maturity No of Amount Goal
List of Goal Priority Assets Suitable
No. Year Years Required Type

1 Veljon - Graduation 2015 4 1,275,088 High Medium

2 Veljon - Post Grad 1905 8 1,671,380 High Long
3 Veljon - Marriage 1905 12 1,095,419 High Long
4 Vanessa - Graduation 2017 6 1,519,485 High Medium
5 Vanessa - Post Grad 2021 10 1,991,735 High Long
6 Vanessa - Marriage 2025 14 1,305,379 High Long
7 Retirement Corpus 1899 46 16,557,038 Medium Long
8 House Purchase 2011 4 - High Medium
9 Car Purchase 2017 6 1,200,584 Medium Medium
10 International Vacation 2015 4 393,239 Medium Medium
11 Contingency Funds 2019 0 - High Short
12
13
14
15

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Assets
Sr. List of Current Assets Maturity Asset Maturity Liquid / Instru. Goal Suitable
No. Year Class Amount Fixed Purpose
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
30
31
32
33
34

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35

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Married
Day 1000
Night 10
Afternoon 100
Evening 1