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Financial Planning Questionnaire and Risk Profile
Thank you for taking time to fill out this Client Questionnaire and Risk Profile, the information given in this questionnaire will remain confidential and will only be used by xyz to provide financial planning advice for you. The quality of our analysis given will depend upon the quality of the information that you provide. Therefore, we would appreciate you entering full and accurate information. If you have any queries during this process, please note these and they can be discussed more with your advisor.
To achieve your goals, Sr. Sarabjit Singh Chahal will …
• Where are you today • Where do you want to get to • How can you get there • Review your progress regularly and to help you stay on track CONTENTS Page Checklist of what to bring
A. YOUR PERSONAL INFORMATION A.1 Personal Information A.2 Employment Details A.3 Family members B. YOUR GOALS B.1 Retirement Goal B.2 Children Education Goals B.3 Children Marriage Goals B.4 Asset Building Goals B.5 Other Goals C. YOUR INCOME D. YOUR EXPENSES E. YOUR POLICIES E.1 Life Insurance E.2 Health Insurance E.3 Motor Insurance E.4 Home and content Insurance E.5 Other Insurances F. YOUR ASSETS F.1 Personal Assets F.2 Saving Bank Accounts F.3 PPF Accounts F.4 Deposits- Banks, Bonds
Life insurance policies and annual statements 7. YOUR ESTATE PLANNING J. Loan and mortgage statement 5. Pan Card 11. Latest CTC provided by the employer 2. Home insurance policies 9. Most recent Income tax return 4. Brokerage and mutual fund statement 6. YOUR LIABILITIES H.5 Recurring Deposits F. Motor insurance policies 10. Most recent 1 payslip 3. YOUR TAX PLANNING I. YOUR RISK LEVEL Annexure: 1 LIVING EXPENSES WORKSHEET DECLARATION 2 2 2 3 3 4 4 4 5 6 6 7 7 7 7 8 8 8 8 9 9 9 9 10 10 10 11 1. Health insurance policies 8.7 Mutual Fund SIPS G.6 Shares / Mutual Funds F. Stock Options Proposed Activities Filled form received by xyz .F.
All Rights Reserved.Confidential Page: 3 B. Bathinda 01642246160 A.1 YOUR GOALS Retirement Goal Please specify your retirement goals . B. any other persons who are financially dependant upon you.Telephone (office) Canal Division. .3 Family members Examples include: Children or parents. Name Relationship status Date of Birth Dependant (Yes/No) If Dependent status is “Yes” then at what age you expect to be self supported (member’s age) Navpreet Kaur Gurpreet Singh Unmarried Unmarried 25th July 1987 04th June 1989 No No Copyright 2007. No part of this document may be reproduced without the express consent of xyz.
) Monthly pension after retirement (today's value) (our estimate is based on percentage of your present household living expenses) Any lump sum amount required at retirement age Ideal Rs.3 Children Marriage Goals How much will be required in which year for marriage (in today's value). 25000 B. 10 lakh (Aleady having jewellery Rs. 25000 Min No Rs.2.1 Children Education Goals School and College Education N/A B. Name of Child Year Amount (Rs. 5 lakh) Real estate:Primary home Real estate:Vacation home Real estate:Rental property Real estate:Vacant land Purchase of car Jewellery Any other information or comment you wish to make . 15 lakh Gurpreet Singh 26 (2016) Rs.At what age do you want to retire? Self 58 Spouse Amount (Rs.) Are you open to take home loan .2 Higher Education N/A How much will be required in which year for higher education (in today's value) B.) Any other information or comment you wish to make Navneet Kaur 26 (2014) Rs.2.No Already staying in own house Not required No No Already have a car Worth Rs.4 Description Asset Building Goals Amount (Rs.2 B. 10 lakh B.
YOUR INCOME Sources Salary (Gross) -Fixed -Variable or Bonus House Property Other Sources Retirement assets Scheme Self Current Balance Self Rs. 50000 (Trip to Hajur Sahib) Rs. 500000 C. 2 lakh (Trip to Australia) Rs. 50000 Rs. 7000 Employer’s Contribution per month GPF Superannuation Gratuity Rs.B. 18 lakh . 50000 N/A Own House Rs. 10 lakh Amount of retirement benefits you expect to receive Self -Provident Fund Rs. 1 lakh from ancestral land What is the expected rate % of growth Per Annum? 8% Your contribution per month Rs.5 Description Vacation: International Vacation: domestic Charity Gift Upgradation of house Other Goals Year 2015 2013 N/A N/A 2018 Today's Value Amount (Rs.) Rs.
Drivers) Total Expenses (A+B+C+D+E) What is the expected rate % of growth Per Annum? Rs. Gardening expenses. 5 lakh (on retirement) Rs. Please include copies of any existing insurance policies that you may have so that this can be properly reviewed. 1 lakh per year (rent and maintenance expenses) B. Servants.-Superannuation -Gratuity -Leave Encashment Rs. Gift to family and others. Subscriptions -newspapers and magazines. Internet. Education (School Fees. . 27500 (Approx) 8% E. 2500 per month (Medical cost. School Bus/transport) N/A E. Wine/spirits/alcohol. 3 lakh D. Recreation. Housing YOUR EXPENSES Amount (Rs. Cable TV) Rs. Mobile Phone. Gas. Tutoring/Books. Food. Pocket Money children. Cigarette/tobacco. Takeaway food/restaurants. Clothing. Vehicle Maintenance. Petrol. Club membership. YOUR POLICIES Here we find out whether you are under insured or over insured. Telephone. Dependant care.) Rs. Water.Clothing. 10000 per month D. Vehicle Taxes/License) Rs. Gift/donation to Charities. Entertainment.Transport (Fruit/Vegetable/Groceries. So provide details of all insurance policies including that provided by the employer. 7000 per month C. Utilities (Electricity. Pet Food. Personal care. Hobbies. Other expenses Rs. Description A. Sports/out of school activities.
Insurance Company Type of policy Life Insured Sum Assured Annual Premium Date of Commencement Renewal Date E. 5 lakh Date of Commencement Type of policy Endowment Policy Policy Owner Self Premium Rs. Insurance Company Type of policy Bike and Car Insurance apne aap details dal lena plz .1 Life Insurance (including provided by employer) Sl No.3 Motor Insurance Sl No.E. 1000 per month Paying Term Monthly Annual Premium Date of Maturity Cash Value/surrender value of the policy as on the date E. Insurance Company LIC Life Insurance Who is Insured? Self Term of the Policy 25 years Sum Assured Rs.2 Health Insurance Sl No.
5 lakhs .1 Personal Assets Sl No Description Cost of Acquisition Date of Acquisition Current Value Real estate:Primary home Rs. 60 Lakh Real estate:Vacation home N/A Real estate:Rental property N/A Real estate:Vacant land Rs.Value Insured Annual Premium Date of Commencement Renewal Date E.4 Home and content Insurance Sl No. YOUR ASSETS F. 10 lakh April 2003 Rs.5 Other Insurances N/A F. Insurance Company Type of policy Value Insured Annual Premium Date of Commencement Renewal Date N/A E. 1 crore Jewellery Rs.
5% 2015 Calculate kr lena N/A . 5 lakh 2005 10 years 8.4 Deposits.5 Recurring Deposits Sl No Name of the Bank/Post Office Holder Name Start Date Installment Amount State Bank of India Self Rs. 1lakh N/A F.2 Saving Bank Accounts Sl No Name of the Bank/ Post Office Type of Account Holder Name Present Balance F.Bank FD Sl No Name of the Bank/Post Office/ Company Holder Name Deposit Amount Date of Deposit Period of Deposit Interest Rate Maturity Date Maturity F.F.3 PPF Accounts Sl No Name of the Bank/ Post Office Type of Account Holder Name Present Balance State Bank of India Saving Account Self Rs.
Frequency Interest Rate Maturity Date Maturity Amount % % % % F.) N/A .6 Shares / Mutual Funds Sl No Name of the Scripts Holder Name No of shares/Units Current Value F. YOUR TAX PLANNING Description Amount (Rs.7 Mutual Fund SIPS Sl No Name of Scheme Holder Name Start Date Installment Amount Frequency Total No of Installments paid N/A N/A G. YOUR LIABILITIES H.
What investments have your owned in the past Ans. Repayment of principal of home loan. 6-10 years 3. Pension Plans. Public Provident Fund. Mutual Fund ELSS. 5 year Fixed Deposit. I am Ans. I intend to spend all my investments after withdrawal within Ans. YOUR ESTATE PLANNING Do you have a Will? Yes/No No J. Money market funds or cash equivalent . Good 4. YOUR RISK PROFILE Questions/Answer 1. When I invest my money. Amount spend on any two children's education. My knowledge of investments is Ans. Accrued interest from NSC Deductions under section 80 D Health Insurance Premium slip Deductions under section 80 E Proof of interest paid on higher education for self Deductions under section 80 G Proof of charitable donation I. 6-10 years 2. Equally concerned about my investment losing or gaining value 5.Documents needed Interest paid on housing loan for self occupied house Interest statement from lender Deductions under section 80C Proof of the followingNational Saving Certificate(NSC). I plan to begin withdrawing money from my investment within Ans.
6. Average 9% Best Case 25% Worst Case -13% Annexure 1: Living Expenses Worksheet Items Monthly Amount (Rs. Housing Rent House repairs B. You owned a Reliance stock which also fell by 25%. 300 per month C. 2000 per month Rs. 500 per month Rs. Utilities Electricity Gas Water Telephone Mobile Phone Internet Cable TV Rs. 2000 per month Clothing Rs. What would you do? Ans. Education School Fees Tutoring/Books N/A . 1lakh per annum Rs. 1000 per month Rs. 3000 per month Rs.Clothing.) A. Sell some of my shares 7. 2000 per month Vehicle Maintenance Rs.Transport Fruit/Vegetable/Groceries Rs. 2000 per month Takeaway food/restaurants Rs. Imagine that the sensex has dropped by 25%. 1000 per month Vehicle Taxes/License Rs. 500 per month D. 2500 per month Petrol Rs. best case and worst case scenarios for hypothetical investment portfolio has been given below. Food. Which is most acceptable to you ? Ans. 200 per month Rs. Average.
I understand that it is my responsibility to choose to or not to implement any recommendations made as a result of this plan. or to formally engage the company to implement these recommendations for me. which are made from this information. 1000 per month Rs. 300 per month Rs.Confidential Page: 12 Declaration I hereby declare that any information supplied in this questionnaire is correct and I understand that this information will be used towards creating my financial plan. I indemnify the company from any liability that may arise from this information being incorrect. for the preparation of a financial plan by xyz for my given situation and objectives. All Rights Reserved. I agree to a charge of Rs. or my failure to implement any recommendations. 500 per month Rs. dry cleaning etc) Subscriptions (newspapers and magazines) Servants Other expenses Total Expenses (A+B+C+D+E) Rs. . 200 per month Rs. No part of this document may be reproduced without the express consent of xyz. I understand that any financial planning advice will only remain valid while my situation does not change or while I am progressing on a recommended course of action. 500 per month Rs.Sports/out of school activities School Bus/transport E. Other expenses Medical cost Personal care (hair care. 2500 per month Copyright 2007. Signed: Date: The statutory environment in this country may change from time to time therefore .
A client should also review their plans from time to time to ensure that their objectives or situation have not changed dramatically necessitating an alteration of their plans.it is important that a client should review any financial planning recommendations made to ensure that these remain valid. .