Mretcs cirect.com VISION venient en i Financial Plan of Cash Management Inflows Income Amount p.a (in &) Income of Salt 30,00,000 Income of Spouse ° ther Income 5.00000 TOTAL 35,00,000 Its important to spread your income across 2 or more different sources. Source of Inflow report Income of Spouse: 0% (Other income Outflows Outflows Amount p.a (in Z) Expenses 700,000 Loan Repayments ,00,000 Investments 7.00,000 TOTAL 22,00,000 Break-up of outflow © 250k 00K 750K 1000k 1250k 1500k 1750k 200k 250k 2500k 2750k 3000k 3250k 3500K3750k ‘Amount (in RS) Annual Savings (in ) 20,00,000, Investible Surplus (in ©) 13,00,000 Annual Savings: This is total income minus expenses and loan repayments. This amount indicates how much you end up saving on an annual basis after all expenses & loan repayments. This amount includes the outflow towards your existing investments made regularly Investible Surplus: This is ennuel savings minus outflow towards existing investments (ie. total income minus total outflows) and indicates the amount left over with you for further investments every year towards your goals & retirement Cash Management (000k 13,500,000 500k 3,000k 3 2/500k a & 200,000 = 2,000 i 1,800,000 & 1,s00k 1326.00 4,000k 500k * Income Expenses ‘Savings Investible Surplus Investible surplus is that part of your savings, which is available for further investment Key Ratios Saving Ratio 57.12% Healthy Debt Servicing Ratio 22.06% Healthy Saving Ratio: This is calculated as Annual Savings divided by Annual Income and indicates whet part of income you are saving. The higher the ratio, the better itis. The average household savings rate is around 30%. Hence, if the saving ratio is 35% oF more, its considered Healthy; you can increase the saving ratio by either cutting down expenses or increasing ‘the income or a combination of both Debt Servicing Ratio: This is calculated as Annual Loan Repayments divided by Annual Income and indicates what part of ‘your income is being spent towards loan repayments. The lower the ratio, the better it is, as there will be lesser amount of fixed obligations. Debt servicing ratio upto 25% will be considered Healthy’, however, if you are servicing your home loan, then this ratio can go upto 45%,Merercirect: m VISION FOR WEALTH Networth (in %) 1,50,00,000 Total Assots 1,90,00,000 “otal Liablines| 40,00,000 Networth refers to "Total Assets* minus "Total Liabilities Networth otal abies fe. 4,000,000, Total Asets fe 19,000,000 Wi Tous! Assets Ml Total Lables Break-up of Assets Amount (in &) Personal Ascats 1.18,00,000 esl Assets 50,00,000 Financial Assots 25,00,000 Porsonal Assets: These are assets which are being used for your personal use and include Self-occupied house and Vehicles. Real / Physical Assets: These are assets which you have invested and are in physical form and include Real Estete investments and Physical Gold & Silver Financial Assets: These are assets which you have invested and include Equity, Mutual Funds, PF PPF, Savings balance, etc. Break-up of Assets 138 Prysieal Assess — 2 I's important to build your financial assets over a period of time and increase your financial assets ratio.Mererciroct com VISION ine i Asset Allocation Recommended Asset Allocation (based on risk profile chosen by you) You have chosen aggressive 2s your risk profile. For your medium & long term goals, we recommend the below asset allocation for you, For short term goals, we recommend you to invest only into debt & liquid asset classes. 10% Ey Dee Bbw]Meret cirect.com VIS! Investments on Your Fingerlae FOR WEALTH Insurance Life Insurance Life Insurance for Self Amount (in %.) Ideal Cover Required ° Exiting Cover 1,00,00,000 ‘Actitional Cover Required ° We have not suggested any cover, as you are currently single. However, if you have dependent parents, then you should ‘take an appropriate cover to ensure their expenses are met in your absence. 10,000,000 Ide Cover Existing Cover Ml Additional Cover Required Medical Insurance Medical Insurance for Family Amount (in &) Ideal Cover Reauired 5.00.000 Existing Cover ° Additional Cover Required 5.00.000 The above ideal cover is suggested based on your age group. You may choose a higher/lower cover, depending on other factors like your income level, no. of family members, etcMeter cirect.com Goals VISION, FOR WEALTH. Classification of Goals Short-term Goals Medium-term Goals Long-term Goals Buying Property Present Value of Goals Short-term 0 Medium-term: 0% Future Value of Goals & Monthly investment required Goal Achievement % Monthly investment Goal Present | Years | Future Value (@ 7 m Name of Goal with existin required for shorfall€ Value &) | to Goal a writ cesiina) a Buying A Property 15,000,000 10 33.90.8169 2% 17,713,428 Note: The above monthly investment required, if any, is inclusive of your ongoing investments. Please discount the same before making fresh investments towards your goals.Aictetcirect.com ron WEALTH Retirement Retirement Details Solt Spouse cian At 2 Aetvement Age = Post-retirement requirement Amounttin 2.) ieee aan ren ‘00,000 ops tas et tocap crm sleg 40.00,000 Not Annual pense raured pot retreat fin preset ake) ‘4000.00 Future Vali of Net Annie expences poet rtremant 3.1708.188, Net Annual Expenses Post Retirement om om i tse é ¥ 20m i as -2oH “ae 5 8 (= er enue eprint Reremen Retirement Corpus & Monthly investment required Retirement Corpus required {in ©) 59,75,35,4,18 Conus aciovenent with ensing investments ‘0% Monthly investment required for shortfall in Z) °Meter cirect.com Investments an Your Finger Cash Flow (till retirement) Age of Seif | Age of Spouse | Total Family Income (@) | Total Family Expenses (&.) | Total Savings (&) co 35,00,000 19,0,000 20,00,000 a 7 37,80,000 +5,49,000 231,000 2 408,002 10.87.520 2751462 0 . angi asst sna 31 512.648 781788 33.60.82 2 . 55,54,000 1950511 3703549 33 39.90.385, 1920047 20,743538 Fa oa78.250 20,02,730 4475528 35 . 6996516 20,08,921 49,09,595 3% 7580237 13.77.08 1.70231 a7 7 21,60,736, 1473306 9.87,240 38 9,13:595, 15,76 598 72.37.81 33 7 5,18.083, 16.50.02 7331701 a 1ano2se2 rosie ou7270 2 - 990709 20,88,515 99,28.208 43 1.29.50063 zaman 107.38.992 a 2 1133,88,068 23,05,983 41620,115 4 st0a9se 25,31;569 125,73,308 6 1.63,13.380 2708.70 1.38.08871 a . vier9a8 2a,99,208 14720024 cd 4,9027,091 3101281 13926610 « 7 20550,123 338371 yagi so 2219812 550.657 1,95.49.475, 5 230.0604 37.00208 201,70.461 52 . 28887237 40,65,187 2,1822.090 5 27058215 4340,707 23808508, 54 7 soreagr2 46,59,187 28540085, 55 326,10862 49,79,960 27630602 56 2 35219200, 53.28.579 2.98.90720, 37 . 3a035e89 701579 azaasz6¢ 5 410.79,700 61,00,600 34079,100, Please write to us at fps@icicisecurities.com for any queries in the above plan Disclaimer: ICI Socurtios-Invserment Advaory Services Rogstred offco - ICICI Cans, H.T.Parokh Mara, Churchgate, Mumbsi- 400020, Indie, Tel No : 22 2285 2200, 002-2288 2470. 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