VISION FOR WEALTH Financial Plan of Cash Management Inflows Income Amount p.a (i Income of Salt 400000 Income of Spouse ° ther Income ° TOTAL 4,00,000 Its important to spread your income across 2 or more different sources. Source of Inflow report Income of Spouse 0 % Outflows Outflows Amount p.a (in &) Expenses 15,000 Loan Repayments 10.000 Investments ° TOTAL 25,000 Break-up of outflow a cane ffi Investments 6 50k 100k «150k 200k ~=S 250k 300k = 350k 900k ~—450k ‘Amount (in RS) Annual Savings (in ) 3.75000 Investible Surplus (in ©) 375,000 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 500k 400,000 400k 275,008 375,000 © 300k é : § 200k 100k 25.000 * Income Expenses ‘Savings: Investible Surplus Investible surplus is that part of your savings, which is available for further investment Key Ratios Saving Ratio 9375% Healthy Debt Servicing Ratio 250% 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%,VISION FOR WEALTH Networth (in %) 1,98,65,000 Total Assots 201,40,000 “otal Liablines| 5.75000 Networth refers to "Total Assets* minus "Total Liabilities Networth ‘esron \ Break-up of Assets Amount (in &) Personal Ascats 2.00.40.000, esl Assets ° Financial Assots 1.00,000 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 ls important to build your financial assets over a period of time and increase your financial assets ratio.Mererciroct com VISION ine FOR WEALTH Asset Allocation Recommended Asset Allocation (based on risk profile chosen by you) You have chosen moderate as 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% a8 a5 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 10,00,000, ‘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. 1,900,000 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Meret cirect.com VIS venient on Voor FOR WEALTH Goals Classification of Goals Short-term Goals Modium-torm Goals Long-term Goals Buying A Vehicle vecstion Others Present Value of Goals Long-term: 0%) short-term: 7 ‘Shor-termn Medium-term Wi Long-term Future Value of Goals & Monthly investment required Goal Achievement % | Monthiy investment Goa! Present | Years | Future Value (& i nly Name of Goal with existing | required for shorfll® Value @) to Goal , Tavestment® Buying A Vehile 00.000 2 999,000 12% sno ection 500000 4 732080 o% 12308 Others 1,000,000 5 1.6.96,100 oe 206008 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.Mictetcirect.com Retirement Vis Retirement Details Self Spouse Cument Age 2 Retement Age 0 Post-retirement requirement Amounttin 2.) Ania expenses teauited cost retirement (in present vale] 4.00000 Lees: Penson, renal 6 parttime income anned a Nat Anal exoenses required post ttrement in present value) 1.00000 Future Value of Net Annual expanses post rtrment 1222362 Net Annual Expenses Post Retirement 1.500k 1.250k 147.62 { too z £ 750k < i 2 s00k 250k 5 veg, ba 23 60 Retirement Corpus & Monthly investment required Retirement Corpus required {in ©) (244.47.236 Corpus achiovement % with exiting investments o% Monthly investment required for shortfall (in ) 5315Micteteirect.com \VIS@N Investments on Your Fingers FOR WEALTH Cash Flow (till retirement) Age of Seif | Age of Spouse | Total Family Income (@) | Total Family Expenses (%.) | Total Savings (&) 2 +,00,000 25000 375,000 2 7 432,000 26050 405.950 26 . 466.560 zara 430.206 2 503585 28378 4.75500 2 7 548,196 29602 5a530 2 se7731 3,039 556653 30 2 634750 asi 6.02230 a . 695520 34007 es14e 22 740.372 38773 708500 3 7 799,602 37577 762.025 = 863570 507 8.28083 3 7 932.050 31573 eonoss 8 . 1007,288 sam 973405 37 1087.340 36.148 101,701 8 . aan sere 11.30,190 38 1268,968 41388 227,483 “0 7 1370377 aaze2 13.26.05, a . 14.80.007 arama ures 42 15.98,408 50.600 1547,700 a 7 1726280 sate 16.72.0832 “4 1964383 58.085 13,06,338 6 20,13538 2.108 so51405 46 . 2174616 e658 21,08,160 a 2248.585 71.108 aman 4 - 256472 76,028 24,00,388 49 27395390 sian 2657879 50 zones a7.t10 2a71431 st . 31,95.225, 3202 auz017 5 2450.83 09.733 3381110 8 7 3726810 106.714 38,20,196, 3 20.25.63 114104 38,10879 55 23.47.9068, 12217 s224801 56 . aeogens 30729 45,68,108 37 50,70.420 1.30880 4930540 58 . 54.76.53, ager 53.26.81 88 99,14.138 150.149 97.53:989 eo 0327200 171.360 02.15.9010 Please write to us at fps@icicisecurities.com for eny queries in the above plan Disclaimer ICI Socurtios-Invserment Advaory Sarvicee Rogstred offco - ICICI Cans, H.T.Parskh Mara, Churchgate, Mumbsi 400020, Inds, Tel No : 22 2288 2200, 002-2288 2470. 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