Monthly Income ₹ 81,600.

00 Total Income
Salary
50:30:20 Rule (Monthly)
50% 30% 20%
₹ 40,800.00 ₹ 24,480.00 ₹ 16,320.00

Yearly Income ₹ 979,200.00

50:30:20 Rule (Yearly)

50% 30% 20%
₹ 489,600.00 ₹ 293,760.00 ₹ 195,840.00

Breakup of 30% (Yearly)

Financial Instrument Allocation in % Allocation in Rs. Returns in % Returns in Rs.
Gold/Soveriegn Gold Bonds 20% ₹ 58,752.00 10.00% ₹ 5,875.20
FD 15% ₹ 44,064.00 5.50% ₹ 2,423.52
RD 5% ₹ 14,688.00 4.00% ₹ 587.52
MF - DEBT 10% ₹ 29,376.00 7.00% ₹ 2,056.32
MF - EQUITY 10% ₹ 29,376.00 12.00% ₹ 3,525.12
Shares (Equity) 20% ₹ 58,752.00 25.00% ₹ 14,688.00
Shares (Intraday) 5% ₹ 14,688.00 25.00% ₹ 3,672.00
Shares (IPO) 5% ₹ 14,688.00 25.00% ₹ 3,672.00
Derivatives-Futures 5% ₹ 14,688.00 25.00% ₹ 3,672.00
Derivatives-Options 5% ₹ 14,688.00 25.00% ₹ 3,672.00
Total 100% ₹ 293,760.00 163.50% ₹ 43,843.68
Average Returns in % 16.35% ₹ 48,029.76
Total Returns in Rs. ₹ 341,789.76

Breakup of 30% (Monthly)

Financial Instrument Allocation in % Allocation in Rs. Returns in % Returns in Rs.
Gold/Soveriegn Gold Bonds 20% ₹ 4,896.00 10.00% ₹ 489.60
FD 15% ₹ 3,672.00 5.50% ₹ 201.96
RD 5% ₹ 1,224.00 4.00% ₹ 48.96
MF - DEBT 10% ₹ 2,448.00 7.00% ₹ 171.36
MF - EQUITY 10% ₹ 2,448.00 12.00% ₹ 293.76
Shares (Equity) 20% ₹ 4,896.00 25.00% ₹ 1,224.00
Shares (Intraday) 5% ₹ 1,224.00 25.00% ₹ 306.00
Shares (IPO) 5% ₹ 1,224.00 25.00% ₹ 306.00
Derivatives-Futures 5% ₹ 1,224.00 25.00% ₹ 306.00
Derivatives-Options 5% ₹ 1,224.00 25.00% ₹ 306.00
Total 100% ₹ 24,480.00 163.50% ₹ 3,653.64
Average Returns in % 16.35% ₹ 4,002.48
Total Returns in Rs. ₹ 28,482.48
 979200 Total Expense 82400
979200 Mediclaim 6000
LIC-1 25000
LIC-2 25000
Term Insurance 10800
Critical Illness Protection 15600

Years (N) 10
Principal (P) ₹ 293,760.00
Rate of Interest (R) 16.35%
Total (Allocation + Returns) Compound Interest [CI=P*(1+R)^N] ₹ 1,335,538.88
₹ 64,627.20 Simple Interest [SI=P*N*R] ₹ 480,297.60
₹ 46,487.52
₹ 15,275.52
₹ 31,432.32
₹ 32,901.12 2 10%
₹ 73,440.00 2 20%
₹ 18,360.00 2 10%
₹ 18,360.00 2 10%
₹ 18,360.00 2 10%
₹ 18,360.00 10 12
₹ 337,603.68
1.2

11.2

Total (Allocation + Returns)

₹ 5,385.60
₹ 3,873.96
₹ 1,272.96
₹ 2,619.36
₹ 2,741.76
₹ 6,120.00
₹ 1,530.00
₹ 1,530.00
₹ 1,530.00
₹ 1,530.00
₹ 28,133.64
 Asset Liabilities
LIC-1
LIC-2

0.2 2.2
0.4 2.4
0.2 2.2
0.2 2.2
0.2 2.2
1.2 11.2