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    parmar riddhi
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    Mr. Sujit is 34 years old, married with one child, and earns an annual income of 18 lakhs with monthly expenses of 40,000 and monthly income of 1.5 lakhs. The advisor recommends that Mr. Sujit allocate 20% of his income to an emergency fund, 30% to equity mutual funds, 20% to hybrid funds and startup investments, 10% to direct stocks, and invest 20,000-22,000 per month through SIP. The advisor also recommends term life insurance to provide protection for his family.

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    Mr. Sujit is 34 years old, married with one child, and earns an annual income of 18 lakhs with monthly expenses of 40,000 and monthly income of 1.5 lakhs. The advisor recommends that Mr. Sujit allocate 20% of his income to an emergency fund, 30% to equity mutual funds, 20% to hybrid funds and startup investments, 10% to direct stocks, and invest 20,000-22,000 per month through SIP. The advisor also recommends term life insurance to provide protection for his family.

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    © All Rights Reserved
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    8 views3 pages

    Investment Analysis

    Uploaded by

    parmar riddhi
    Mr. Sujit is 34 years old, married with one child, and earns an annual income of 18 lakhs with monthly expenses of 40,000 and monthly income of 1.5 lakhs. The advisor recommends that Mr. Sujit allocate 20% of his income to an emergency fund, 30% to equity mutual funds, 20% to hybrid funds and startup investments, 10% to direct stocks, and invest 20,000-22,000 per month through SIP. The advisor also recommends term life insurance to provide protection for his family.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
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    of 3

    Investment Details

    Client Name Mr. Sujit

    Age 34 years (married and has 1 kid)

    Annual Income 18 lakhs

    Monthly expense 40,000

    Monthly Income 1,50,000


    Set Basic Investment Objectives:
    Firstly discuss with Mr.sujit about is basic aims and objectives to determine the long and short term goals.

    Consider the clients potential risk,rewards and time horizons.

    ● EMERGENCY
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    20%
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    recommended.)

    ● Donec risus dolor porta venenatis ● Mutual fundsdolor porta venenatis


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    ●
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    Assets
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    ●
    ●
    Hybrid
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    ●●
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    ● INSURANCE
    ● Term life insurance
    Emergency - Generally, it is recommended to save and invest at least 20% of your incocome into easy liquidate assets such as savings
    account and fixed deposite ac commonly preffered in India .These emergency fund can be utilise for 6-8months with no income in certain
    cases and for other sudden emergency

    Assets class diversification -

    Investments in Equity Mutual Funds: Around 30% of the total investment should be allocated to equity funds.

    Hybrid funds & Startup investment: Allocate about 20 % of the total investment to hybrid funds and in startups

    Direct Stocks: Allocate about 10% of the total investment in stock market

    SIP (SYSTEMATIC INVESTMENT PLAN )- Generally, it is recommended to save and invest at least 20% of your income each
    month. The monthly investment amount through SIP could be between Rs 20,000 and Rs 22,000 (20% of his monthly income) based on
    his annual income of Rs 18 lakhs and after deducting monthly expense.

    INSURANCE - Term life insurance provides a higher life cover at an affordable premium, separate from any investment products, when
    it comes to life insurance. Since Mr. Sujit is married and has a dependent child, term life insurance will provide a substantial amount of
    protection for his family's finances. This product provides higher coverage at a lower premium than other insurance-cumulative
    investments.

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