SOME INPORTANT GOALS IN LIFE

Timeline PLAN Money target Money balance Monthly income and expenses Note
Basic Current saving money: -7,000,000VND/month in the first 5 Monthly
expectation 50,000,000VND – 6% years expense
- 15,000,000VND/m in the next 5 4,000,000VND
years; until getting
- Then increase to 22,000,000VND/m married
in the next year, then increase
gradually each year by 5%.

First 15 1. Saving plan  2,000,000VND/ month

years for the first 5 years –
6%
 4,000,000VND/ month
for the next 5 years –
7%
 10,000,000VND/
month for the following
5 years – 8%
2025 – 5 2. Buying a 500,000,000VND - Balance budget: 67,442,507VND + - Monthly expense for living fees:
years from car 139,540,061VND = 15,000,000-4,000,000 – 6,673,334 =
now (27 206,982,568VND 4,326,666VND
years old) - Borrowing 300,000,000 – 12% 5
years – monthly payment
6,673,334VND
2030 – 10 3. Buying a 3,000,000,000VND -Your balance: 286,371,607VND - Monthly expense for living fees: Expenses with
years from house/ flat -Your husband/ wife: 22,000,000*2-10,000,000- 1 baby
now (32 (a couple) 286,371,607VND 23,431,514 =10,568,468VND 10,568,468đ
years old) - Gift from parents: 500,000,000VND each month
- Borrowings: 2,000,000,000VND –
13% 20 years- monthly payment:
23,431,514VND

2035 – 15 4. Buying a 5,000,000VND/month - Your balance: 734,768,562VND Monthly expense for living fees: Expenses with 2
years from life 23,100,000*2-5,000,000-23,431,514 babies
now (37 insurance =17,768,468VND 17,768,468đ
years old) (due in 17 each month
years) -
12%
2040 – 30 5. Buying 7,000,000,000VND Your balance: 2,330,810,138VND Monthly income: 30,000,000x2 Expenses this
years from another Inheritance: 300,000,000VND Monthly expense: 30,000,000 period
now (52 house Selling the old house: 30,000,000đ
years old) 5,000,000,000VND each month

2053 – (55 6. Retirement 500,000,000VND at the Due date of the previous insurance:
years old) plan beginning 653,361,372VND
(receive
back
6,000,000V
ND/month
) 15 years –
12%

Funds:
1. Salary
2. Borrowings
3. Investing
4. Inheritance
5. Gift