Client Co-Client

Age 30 27
SAP
Occupation Functional
Consultant Housewife
Organization TCS
Marital Status Married Married
Residential Status Resident Resident
Dependents 1 0
Health Good Good
 Investment
Goals Current Year Goal Year Horizon
Retirement 2017 2047 30
Tax Efficiency 2017 2018
Asset Creation 2017 2047 30
 Remarks Priority
Easy and comfortable lifestyle post retirement 3
To minimize tax liabilities as per lawsof the land 1
To own another house before retirement 2
Income Pre Retirement Post Retirement
Current Income
Annual Income 1055101
Rental Income 0
Other 0
Sources & Amounts of Retirement Income
Pension Income 74350886.6165542
Investment Income
Rental Income
Other
Total Income 1055101

Expenses Pre Retirement Post Retirement

Current Expenses
House Loan 333240
Rent 180000
Living expense 240000
Savings & Investments 204000
Medical expenses 6000
Insurance 28056
Holiday 30000
Retirement Expenses Expected Inflation
Living expense 1037266 5%
Travel 2052782 8%
Medical expenses 19460 4%
Total Expenses 991296 3109509

Disposable Income 63805

426000
35500
 Income Sheet (Annual) Tax Sheet (Annual)
Basic 391200 Section 80C
Conveyance Allowance 19200 Provident Fund 46944
HR Allowance 196800 Term Insurance Premium 28056
Special Allowance 249600 Total 75000
Variable Allowance 201600 Section 80D
Medical Allowance 15000 Health Insurance 4500
Entertainment Allowance 116400 Total Tax Exemption 79500
Total Income 1189800
Deductions
Provident Fund 46944 Net Taxable Salary 864276
Exemptions
HR Allowance 140880 Salary Bracket Tax Rate
Medical Allowance 15000 <250000 0%
Food Coupons 24000 250000 to 500000 5%
Conveyance Allowance 19200 500000 to 1000000 20%
Gross Income after deductions &
exemptions 943776
Tax Liability 85355 75355.2
Professional Tax 2400
Net Income 1055101
 129500

814276

Tax Liability
0
12500
72855

7%
 Recommended Investment (monthly
figures)

Reliance
Annual Income Annual Monthly Small Cap
Year Age post tax Expenses Annual Savings Savings NPS Fund
2017 30 1055101 991296 63805 5317 60000 60000
2018 31 1160610.88 1050774 109837 9153 60000 60000
2019 32 1276671.968 1113820 162852 13571 60000 60000
2020 33 1404339.1648 1180649 223690 18641 60000 60000
2021 34 1544773.0813 1251488 293285 24440 60000 60000
2022 35 1699250.3894 1326578 372673 31056 60000 60000
2023 36 1801205.4128 1406172 395033 32919 60000 60000
2024 37 1909277.7375 1490543 418735 34895 60000 60000
2025 38 2023834.4018 1579975 443859 36988 60000 60000
2026 39 2145264.4659 1674774 470491 39208 60000 60000
2027 40 2273980.3339 1775260 498720 41560 60000 60000
2028 41 2410419.1539 1881776 528643 44054 60000 60000
2029 42 2555044.3031 1994682 560362 46697 60000 60000
2030 43 2708346.9613 2114363 593984 49499 60000 60000
2031 44 2870847.779 2241225 629623 52469 60000 60000
2032 45 3043098.6457 2375699 667400 55617 60000 60000
2033 46 3225684.5645 2518240 707444 58954 60000 60000
2034 47 3419225.6383 2669335 749891 62491 60000 60000
2035 48 3624379.1766 2829495 794884 66240 60000 60000
2036 49 3841841.9272 2999265 842577 70215 60000 60000
2037 50 4072352.4429 3179221 893132 74428 60000 60000
2038 51 4235246.5406 3369974 865273 72106 60000 60000
2039 52 4404656.4022 3572172 832484 69374 60000 60000
2040 53 4580842.6583 3786503 794340 66195 60000 60000
2041 54 4764076.3646 4013693 750384 62532 60000 60000
2042 55 4954639.4192 4254514 700125 58344 60000 60000
2043 56 5152824.996 4509785 643040 53587 60000 60000
2044 57 5358937.9958 4780372 578566 48214 60000 60000
2045 58 5573295.5156 5067195 506101 42175 60000 60000
2046 59 5796227.3363 5371226 425001 35417 60000 60000
2047 60 6028076.4297 5693500 334577 27881 60000 60000
2048 ₹ 74,350,887 5978175 68372712 5697726 0 0
2049 ₹ 74,350,887 6157520 68193367 5682781 0 0
2050 ₹ 74,350,887 6342246 68008641 5667387 0 0
2051 ₹ 74,350,887 6532513 67818374 5651531 0 0
2052 ₹ 74,350,887 6728488 67622398 5635200 0 0
2053 ₹ 74,350,887 6930343 67420544 5618379 0 0
2054 ₹ 74,350,887 7138253 67212633 5601053 0 0
2055 ₹ 74,350,887 7352401 66998486 5583207 0 0
2056 ₹ 74,350,887 7572973 66777914 5564826 0 0
2057 ₹ 74,350,887 7800162 66550724 5545894 0 0
2058 ₹ 74,350,887 8034167 66316720 5526393 0 0
2059 ₹ 74,350,887 8275192 66075695 5506308 0 0
2060 ₹ 74,350,887 8523448 65827439 5485620 0 0
2061 ₹ 74,350,887 8779151 65571735 5464311 0 0
2062 ₹ 74,350,887 9042526 65308361 5442363 0 0
2063 ₹ 74,350,887 9313802 65037085 5419757 0 0
2064 ₹ 74,350,887 9593216 64757671 5396473 0 0
2065 ₹ 74,350,887 9881012 64469875 5372490 0 0
2066 ₹ 74,350,887 10177442 64173444 5347787 0 0
2067 ₹ 74,350,887 10482766 63868121 5322343 0 0
mended Investment (monthly
figures)

Mirae Asset Expenditure Liquid

Emerging Blue chip pattern Cash inflow to fund
Fund changes Cash in bank Min Cash in Bank Liquid Fund return
60000 0 ₹ 215,000 ₹ 247,824 ₹0 9%
60000 0 ₹ 98,805 ₹ 262,693 ₹0 9%
60000 0 ₹ 28,642 ₹ 278,455 ₹0 9%
60000 0 ₹ 11,494 ₹ 295,162 ₹0 9%
60000 0 ₹ 55,183 ₹ 312,872 ₹0 9%
60000 -30000 ₹ 168,468 ₹ 331,644 ₹0 9%
60000 -32400 ₹ 391,141 ₹ 351,543 ₹ 39,598 9%
60000 -34992 ₹ 638,574 ₹ 372,636 ₹ 265,938 9%
60000 -37791 ₹ 912,301 ₹ 394,994 ₹ 517,307 9%
60000 -40815 ₹ 1,213,952 ₹ 418,693 ₹ 795,258 9%
60000 -44080 ₹ 1,545,257 ₹ 443,815 ₹ 1,101,442 9%
60000 -47606 ₹ 1,908,057 ₹ 470,444 ₹ 1,437,613 9%
60000 -51415 ₹ 2,304,307 ₹ 498,671 ₹ 1,805,636 9%
60000 -55528 ₹ 2,736,083 ₹ 528,591 ₹ 2,207,493 9%
60000 -59970 ₹ 3,205,595 ₹ 560,306 ₹ 2,645,289 9%
60000 -64768 ₹ 3,715,188 ₹ 593,925 ₹ 3,121,263 9%
60000 -69949 ₹ 4,267,356 ₹ 629,560 ₹ 3,637,796 9%
60000 -75545 ₹ 4,864,749 ₹ 667,334 ₹ 4,197,415 9%
60000 -14440 ₹ 5,510,185 ₹ 707,374 ₹ 4,802,811 9%
60000 -15162 ₹ 6,139,509 ₹ 749,816 ₹ 5,389,693 9%
60000 -15920 ₹ 6,817,248 ₹ 794,805 ₹ 6,022,443 9%
60000 -16716 ₹ 7,546,299 ₹ 842,493 ₹ 6,703,806 9%
60000 0 ₹ 8,248,288 ₹ 893,043 ₹ 7,355,245 9%
60000 0 ₹ 8,900,772 ₹ 946,626 ₹ 7,954,146 9%
60000 0 ₹ 9,515,112 ₹ 1,003,423 ₹ 8,511,689 9%
60000 0 ₹ 10,085,496 ₹ 1,063,629 ₹ 9,021,867 9%
60000 0 ₹ 10,605,621 ₹ 1,127,446 ₹ 9,478,175 9%
60000 0 ₹ 11,068,661 ₹ 1,195,093 ₹ 9,873,568 9%
60000 0 ₹ 11,467,227 ₹ 1,266,799 ₹ 10,200,428 9%
60000 0 ₹ 11,793,327 ₹ 1,342,807 ₹ 10,450,521 9%
60000 0 ₹ 12,038,329 ₹ 1,423,375 ₹ 10,614,954 9%
0 ₹ 12,192,905 ₹ 18,587,722 ₹0 5%
0 ₹ 80,565,617 ₹ 18,587,722 ₹ 61,977,895 5%
0 ₹ 148,758,984 ₹ 18,587,722 ₹ 130,171,262 5%
0 ₹ 216,767,624 ₹ 18,587,722 ₹ 198,179,903 5%
0 ₹ 284,585,998 ₹ 18,587,722 ₹ 265,998,276 5%
0 ₹ 352,208,396 ₹ 18,587,722 ₹ 333,620,675 5%
0 ₹ 419,628,940 ₹ 18,587,722 ₹ 401,041,218 5%
0 ₹ 486,841,573 ₹ 18,587,722 ₹ 468,253,851 5%
0 ₹ 553,840,059 ₹ 18,587,722 ₹ 535,252,337 5%
0 ₹ 620,617,972 ₹ 18,587,722 ₹ 602,030,251 5%
0 ₹ 687,168,697 ₹ 18,587,722 ₹ 668,580,975 5%
0 ₹ 753,485,416 ₹ 18,587,722 ₹ 734,897,695 5%
0 ₹ 819,561,111 ₹ 18,587,722 ₹ 800,973,389 5%
0 ₹ 885,388,550 ₹ 18,587,722 ₹ 866,800,828 5%
0 ₹ 950,960,285 ₹ 18,587,722 ₹ 932,372,563 5%
0 ₹ 1,016,268,646 ₹ 18,587,722 ₹ 997,680,924 5%
0 ₹ 1,081,305,731 ₹ 18,587,722 ₹ 1,062,718,009 5%
0 ₹ 1,146,063,402 ₹ 18,587,722 ₹ 1,127,475,680 5%
0 ₹ 1,210,533,276 ₹ 18,587,722 ₹ 1,191,945,555 5%
0 ₹ 1,274,706,721 ₹ 18,587,722 ₹ 1,256,118,999 5%
 Corpus in HDFC Corpus in SBI Blue chip Corpus in Mirae Asset
Corpus in Liquid fund Balance Fund Fund Emerging Blue Chip Fund
₹0 ₹ 200,516 ₹ 234,501 0
₹0 ₹ 299,661 ₹ 327,654 ₹ 68,026.39
₹0 ₹ 415,885 ₹ 432,621 ₹ 153,458.27
₹0 ₹ 552,131 ₹ 550,901 ₹ 260,749.07
₹0 ₹ 711,849 ₹ 684,182 ₹ 395,491.70
₹0 ₹ 899,081 ₹ 834,366 ₹ 564,710.08
₹ 41,582 ₹ 1,118,568 ₹ 1,003,596 ₹ 777,225.32
₹ 324,749 ₹ 1,375,866 ₹ 1,194,290 ₹ 1,044,115.51
₹ 898,446 ₹ 1,677,490 ₹ 1,409,169 ₹ 1,379,293.23
₹ 1,817,839 ₹ 2,031,074 ₹ 1,651,299 ₹ 1,800,230.79
₹ 3,145,007 ₹ 2,445,570 ₹ 1,924,137 ₹ 2,328,871.02
₹ 4,949,691 ₹ 2,931,472 ₹ 2,231,579 ₹ 2,992,771.12
₹ 7,310,134 ₹ 3,501,080 ₹ 2,578,011 ₹ 3,826,539.21
₹ 10,313,999 ₹ 4,168,816 ₹ 2,968,380 ₹ 4,873,638.35
₹ 14,059,383 ₹ 4,951,582 ₹ 3,408,258 ₹ 6,188,652.23
₹ 18,655,939 ₹ 5,869,197 ₹ 3,903,923 ₹ 7,840,130.51
₹ 24,226,102 ₹ 6,944,890 ₹ 4,462,450 ₹ 9,914,162.25
₹ 30,906,451 ₹ 8,205,893 ₹ 5,091,813 ₹ 12,518,863.57
₹ 38,849,199 ₹ 9,684,130 ₹ 5,800,995 ₹ 15,790,013.59
₹ 48,153,325 ₹ 11,417,025 ₹ 4,098,555 ₹ 19,898,132.38
₹ 58,994,703 ₹ 13,448,446 ₹ 4,681,767 ₹ 25,057,369.95
₹ 71,568,587 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 86,006,075 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 102,426,816 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 120,973,419 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 141,795,568 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 165,050,154 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 190,901,390 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 219,520,891 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 251,087,725 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 285,788,419 ₹ 64,602 ₹ 63,413 ₹ 68,026.39
₹ 300,409,897
₹ 379,461,814
₹ 532,626,961
₹ 763,507,305
₹ 1,075,883,402
₹ 1,473,723,365
₹ 1,961,192,282
₹ 2,542,662,113
₹ 3,222,722,084
₹ 4,006,189,617
₹ 4,898,121,802
₹ 5,903,827,456
 ₹ 7,028,879,791
₹ 8,279,129,728
₹ 9,660,719,878
₹ 11,180,099,237
₹ 12,844,038,627
₹ 14,659,646,915
₹ 16,634,388,058
₹ 18,776,099,012
Corpus in Reliance Small Corpus in Indiabulls
cap fund Goal Blue Chip Fund
₹0 ₹0 ₹ 99,049
₹ 70,702.21 ₹0 ₹ 178,592
₹ 165,788.82 ₹0 ₹ 270,013
₹ 293,669.74 ₹0 ₹ 375,088
₹ 465,655.36 ₹0 ₹ 495,855
₹ 696,956.90 ₹0 ₹ 634,657
₹ 1,008,031.75 ₹0 ₹ 794,189
₹ 1,426,392.85 ₹0 ₹ 977,545
₹ 1,989,042.01 ₹0 ₹ 1,188,284
₹ 2,745,742.58 ₹0 ₹ 1,430,495
₹ 3,763,420.72 ₹0 ₹ 1,708,879
₹ 5,132,084.67 ₹0 ₹ 2,028,836
₹ 6,972,785.53 ₹0 ₹ 2,396,577
₹ 9,448,323.54 ₹ 2,455,709 ₹ 2,819,238
₹ 9,474,990.69 ₹0 ₹ 3,305,019
₹ 12,813,511.30 ₹0 ₹ 3,863,347
₹ 17,303,450.35 ₹0 ₹ 4,505,058
₹ 23,341,919.21 ₹0 ₹ 5,242,603
₹ 31,462,988.49 ₹ 2,220,011 ₹ 6,090,294
₹ 42,384,923.81 ₹ 7,064,582
₹ 57,073,712.55 ₹ 70,846,549 ₹ 8,184,371
₹ 50,637,336.10 ₹ 9,471,392
₹ 68,172,289.61 ₹ 10,950,619
₹ 91,754,852.63 ₹ 12,650,757
₹ 123,470,778.09 ₹ 14,604,798
₹ 166,125,171.78 ₹ 16,850,658
₹ 223,490,589.16 ₹ 19,431,920
₹ 300,640,697.89 ₹ 22,398,673
₹ 404,399,016.92 ₹ 25,808,487
₹ 543,942,420.60 ₹ 29,727,529
₹ 731,612,784.71 ₹ 34,231,849
Expected yearly expense 5978175
Inflation after retirement 3%
Post retirement years 20
Corpus needed for retirement 215944973.99717

Present PF corpus 470000

Expected value of PF at retirement ₹ 62,597,906

Recommended investment in NPS per month 4167

Return on NPS 10%
Total investing period in years 30
Pension wealth generated ₹ 9,418,699.69
Reinvested in annuity plan 100%
Expected returns in annuity plan 7%
Monthly income in post retirement years ₹ 6,195,907.22
Annual income in post retirement years ₹ 74,350,886.62

Total wealth generated at retirement ₹ 803,825,430.92

 Current Monthly
Balance contribution
Cash & Cash Equivalents
Cash 215000
Recurring Deposit 244032 2000
Mutual Funds
SBI Blue Chip Fund 234501 5000
HDFC Balanced Fund 200516 5000
Indiabulls Blue Chip Fund 99049 5000
Insurance
HDFC Life Click 2 Protect
Plus 2338
Retirement Planning
EPF 470000 3912
Physical Assets
House 3900000 27770