A.

CASH INFLOW YOU SPOUSE COMBINED

Gross Annual Employment Income 81,927.00 59,400.00 141,327.00
Gross Annual Employment Bonus 5,000.00 5,000.00 10,000.00
EPF from Employer 10,608.00 7,722.00 18,330.00
Sub Total 97,535.00 72,122.00 169,657.00
(less EPF of employee) - 10,608.00 - 7,722.00 - 18,330.00
(less EPF of employer) - 7,344.00 - 6,534.00 - 13,878.00
Net Annual Income And Bonus 79,583.00 57,866.00 137,449.00
Annual Interest Income / Profit - - -
Annual Rental Income / Profit - - -
Annual Dividends 2,698.00 567.00 3,265.00
Sale of Assets 105,000.00 - 105,000.00
Borrowings / Financing (i.e. credit card and
50,000.00 - 50,000.00
personal loan)
Other Income - - -
Tax Refund 1,301.00 959.00 2,260.00
TOTAL INFLOW 238,582.00 59,392.00 297,974.00
B. CASH OUTFLOW YOU SPOUSE COMBINED
Fixed Cash Outflow
Resident Home Mortgage (one house)
·         Progress Payment January- March
(Half) 4,237.50 4,237.50 8,475.00
·         6 Months Moratorium April-
September.
Investment Property Mortgage - - -
Car Loan Repayment
4,200.00 2,400.00 6,600.00
(6 Months Only due to Moratorium)
Bank Personal Loan Repayment 13,680.00 - 13,680.00
Credit Card Repayment - - -
Education Loan Repayment 720.00 1,500.00 2,220.00
Saving & Investment 80,000.00 10,000.00 90,000.00
Vehicle (Car Maintenance, Road Tax,
5,000.00 3,000.00 8,000.00
Insurance)
Life Insurance/Takaful Premium 1,260.00 - 1,260.00
Insurance/Takaful Premium for Medical 2,172.00 1,980.00 4,152.00
Life Insurance/Takaful Premium (Nuh
2,472.00 - 2,472.00
Harith )

Life Insurance/Takaful Premium (Alya

- 1,020.00 1,020.00
Darisa: )

Total Fixed Outflow 113,741.50 24,137.50 137,879.00

Variable Cash Outflow
Food 3,600.00 3,600.00 7,200.00
Clothing 1,800.00 1,800.00 3,600.00
Utilities & Telephone 2,820.00 2,820.00 5,640.00
Entertainment 2,000.00 2,000.00 4,000.00
Children's Maintenance 6,000.00 3,000.00 9,000.00
Nanny Expenses 4,800.00 - 4,800.00
Parent Allowance 4,800.00 1,200.00 6,000.00
Vacations 500.00 500.00 1,000.00
Income Tax Paid 5,899.00 961.00 6,860.00
 Zakat Paid 1,200.00 500.00 1,700.00
Socso & EIS 1,065.60 1,065.60 2,131.20
Total Variable Cash Outflow 34,484.60 17,446.60 51,931.20
TOTAL CASH OUTFLOWS 148,226.10 41,584.10 189,810.20
c. TOTAL NET CASH FLOW (TOTAL
CASH INFLOWS – TOTAL CASH 90,355.90 17,807.90 108,163.80
OUTFLOWS)
ASSETS YOU SPOUSE COMBINED

Cash/ Cash Equivalents:

Savings Accounts/ Islamic Savings
- - -
Accounts
Current Accounts/ Islamic Current
- - -
Accounts
Fixed Deposit/ Islamic Fixed Deposit - - -

Life Insurances/ Takaful Cash Value 1,232.00 478.00 1,710.00

Others (Tabung Haji) 13,000.00 - 13,000.00

Total Cash/ Cash Equivalents 14,232.00 478.00 14,710.00

Investment Assets:

Equities/ Islamic Equities (Stocks &

- - -
Shares)
Bonds/ Islamic Bonds /Fixed Income
- - -
Securities

ASB 126,000.00 10,000.00 136,000.00

Investment-Linked Policies - - -

EPF 90,000.00 40,000.00 130,000.00

Other Retirement Account Balance - - -

Others - - -

Property - - -

Total Investment Assets 216,000.00 50,000.00 266,000.00

Personal Use Assets:

Owner Occupied Residential Property 275,000.00 275,000.00 550,000.00

Home Furnishings - - -
Cars 20,000.00 15,000.00 35,000.00
 Jewelry/Collections - 15,000.00 15,000.00
Others - - -
Total Personal Use Assets 295,000.00 305,000.00 600,000.00
TOTAL ASSETS 525,232.00 355,478.00 880,710.00
 Rate YOU Spouse Joint
LIABILITIES
(%) (RM) (RM) (RM)

Current Liabilities:

Credit Cards - - -

Overdraft - - -
Income Tax
- - -
Payable

Other Bank
- - -
Loans / financing

Others - - -
Total Current
- - -
Liabilities

Long-Term
Liabilities:

Residential Home
3.50% - - 477,282.00
Loan / Financing

Investment
0 - - -
Property
Car Loan /
Financing 2.29 18,000.00 33,000.00 -
Repayment
Hire Purchase 0 - - -

Home Renovation
0 - - -
Loan / Financing

Family or
Personal Loan / 21% 50,000.00 - -
Financing
PTPTN Loan 0 10,000.00 14,000.00 -
Total Long-Term
78,000.00 47,000.00 477,282.00
Liabilities
TOTAL
78,000.00 47,000.00 477,282.00
LIABILITIES
Net Worth 208,591.00 69,837.00 278,428.00
 Monthly
Repayment (RM)

2,260.00

1,100.00

1,140.00

200.00

4,700.00

4,700.00
 Maizlan
CASH NEEDS AMOUNT (RM)
Funeral Expenses RM1,000
Personal Loan Outstanding RM50,000
Mazda Hire Purchase Outstanding RM18,000
PTPTN Loan Outstanding RM10,000
Residential Home Loan Outstanding RM238,641
Education Needs RM247,501
Total Cash Needs RM565,142

INCOME NEEDS AMOUNT (RM)

Children RM1,088,946
Total Income Needs RM1,088,946

RESOURCES AVAILABLE AMOUNT (RM)

Tabung Haji RM13,000
EPF RM90,000
ASB RM126,000
Sum Covered from Current Takaful Policy RM295,000
Total Resources Available RM524,000

SHORTFALL OF COVERAGE
RM1,130,088
(Total Cash Needs + Total Income Needs – Total Resources Available)
 Aishah
CASH NEEDS
Funeral Expenses
Axia Hire Purchase Outstanding
PTPTN Loan
First Home Needs (Refer to First Home Deposit Planning)
Education Needs (Refer Education Planning Section)
Total Cash Needs

INCOME NEEDS
Children
Total Income Needs

RESOURCES AVAILABLE
EPF
ASB
Sum Covered from Current Takaful Policy
Total Resources Available

SHORTFALL OF COVERAGE
(Total Cash Needs + Total Income Needs – Total Resources Available)
AMOUNT (RM)
RM1,000
RM33,000
RM14,000
RM238,641
RM247,501
RM534,142

AMOUNT (RM)
RM816,710
RM816,710

AMOUNT (RM)
RM40,000
RM10,000
RM32,000
RM82,000

RM1,268,852