Sample Financial Report

Financial Plan of - Mr.
Suraj Chowdhury
Prepared For :
Mr. Suraj Chowdhury & Family
Mobile No : 9706039350
Prepared By :
Name :
Mobile No :
Email : rajchw05@yahoo.co.in
Company : Plan My Investment
November 20, 2014
Page 1 of 29
Plan My Investment
Financial Plan of - Mr. Suraj Chowdhury
Table of Contents
Financial Plan Overview
Disclosure
Plan Summary
Cash Flow Management
Contingency Planning
Networth Analysis
Client Assumptions Details
Dreams & Goals
Goal Analysis And Funding
10
Asset Allocation For New Investment (Lumpsum Mode)
11
Asset Allocation For New Investment (Monthly Mode)
12
Asset Allocation For New Investment (Stepup Mode)
13
Retirement Planning
14
Insurance Planning
15
Cash Flow Upto Retirement
16
Cash Flow After Retirement
17
Disclaimer & Risk Factors
Page 2 of 29
Plan My Investment
Company Profile
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Page 3 of 29
Plan My Investment
Disclosure
This document has been prepared to help you make important decisions regarding your financial future. Before reviewing the data,
alternatives and options presented in this financial plan, please note the inherent limitations associated with this information: The
content of this report is based on information provided by you. Certain assumptions have been made about future investment
performance, inflation rates, retirement benefits and other variables which are only estimates, with no assurance as to their
attainability or ultimate desired outcome.
Certain financial information contained in this plan, including the Net Worth summary and the Income and Expenses summary, was
created only to assist you and your advisor in developing your financial plan. Accordingly, it should not be relied on for purposes of
obtaining credit or portraying financial soundness or for any purpose whatsoever other than developing your financial plan.
Projections of future events are based on interpretations of existing laws, as well as assumptions that are described in the
accompanying text. Furthermore, even if the steps in this document are followed, there may be material differences between
projected and actual results because laws are updated, events and circumstances frequently do not occur as expected, and the
overall economic environment changes. Actual results may differ materially from those suggested by the forward looking statements
due to risk or uncertainties associated with, general economic and political conditions, the monetary and interest policies, inflation,
deflation, unanticipated turbulence in interest rates, foreign exchange rates, market fluctuations etc.
You are under no obligation to follow, in whole or in part any of the alternatives presented in this plan or to purchase investment,
insurance or other financial products or services through your advisor.
Illustrations of products alternatives are presented only as guidelines and represent our general understanding of the information
available to us. Any analysis of legal, taxation or accounting issues relating to your situation are for discussion purposes only and
not intended to be a substitute for professional advice in these areas. Calculations illustrating income tax concepts and deductions,
and investment gains and losses are for illustrative purposes only and are based upon hypothetical situations. Consult with a
legal/tax/accounting/financial professional to counsel you on specific topics related to your financial situation. Financial planning
strategies are presented based upon facts as stated above and on laws and regulations that are subject to change.
The financial planning strategies presented in this document are intended only as a guide and not as a comprehensive financial
plan. There may be a conflict of interest as the advice generated may result in product sales that benefit this firm.
Page 4 of 29
Plan My Investment
Executive Paln Summary
Page 5 of 29
Plan My Investment
Plan Summary
Self
Spouse
Name
Mr. Suraj Chowdhury
Mrs. Anita Chowdhury
Date of Birth
15/06/1982
20/06/1985
Health Status
Excellent
Good
Occupation
Salaried
Self-Employed
Mobile Phone
9706039350
9709690393
Email Address
rajchw15@gmail.com
rajchw15@gmail.com
PAN Number
AEBP2912D
AEPC2811F
Address
City
Pincode
Client Name
Mr. Rajib Chowdhury
Relationship
Son
Date Of Birth
01/02/2010
Self
Health Status
Financially
Dependent
No
Excellent
Spouse
Expected Retirement Age
60
60
Life Expectancy
80
80
Page 6 of 29
Plan My Investment
Risk Profile :Wealth Guard
Page 7 of 29
Plan My Investment
Cash Flow Management

Income & Expense
Sound
investing
is
an
appropriate
focus,
but
not
at
the
cost
of
ignoring
essential
cash
flow
management. The flow in cash flow refers to the in and out motion of money. Those who simply earn income
and
pay
bills
management
are
involves
not
engaged
in
understanding
the
the
process
of
components
cash
that
flow
make
management,
up
where
thats
the
survival.
money
comes
Real
from,
cash
flow
where
it
goes, and what choices are appropriate in creating a life of greater satisfaction. It is an active process.
Income for the current year :

Self
Income
Spouse
Total
Yearly
Monthly
30,000
360,000
30,000
360,000
Rental Income
5,000
60,000
5,000
60,000
14
Inc. From Inv.

(Interest)
Inc. From Inv.
(Dividends)
Inc. From HUF
Other Income
35,000
420,000
35,000
420,000
Income Salary
Business Income
Total :
Yearly
Monthly
Yearly
% Of
Total
Monthly
86
Income Structure
Business Income
Inc. From HUF
Inc. From Inv.
(Dividends)
Inc. From Inv.
(Interest)
Income Salary
Other Income
Rental Income
Page 8 of 29
Plan My Investment
Expense for the current year :

Self
Expense
Monthly
Spouse
Yearly
Monthly
Total
Yearly
Monthly
% of
Total
Yearly
House Hold
2,000
24,000
2,000
24,000
16.67
Medical Expenses
1,000
12,000
1,000
12,000
8.33
Lifestyle (includes
shopping, movies,
dinners etc)
Travel
1,000
12,000
1,000
12,000
8.33
0.00
House rent
5,000
60,000
5,000
60,000
41.67
Children
Education/Depende
nt Fees
Holiday Expenses
3,000
36,000
3,000
36,000
25.00
0.00
0.00
0.00
Car Maintenance
Other Expenses
Total :
12,000
144,000
12,000
144,000
Expense Structure
Car Maintenance
Children
Education/Dependent
Fees
Holiday Expenses
House Hold
House rent
Lifestyle (includes
shopping, movies,
dinners etc)
Medical Expenses
Other Expenses
Travel
Page 9 of 29
Plan My Investment
Committed Savings for the current year :
Monthly
Yearly
% of Total
Insurance Premium
1,667
20,004
25.00
SIP
5,000
60,000
75.00
0.00
0.00
6,667
80,004
Recurring Deposits
PPF Investment
Total :
Commited Savings
Insurance Premium
PPF Investment
Recurring Deposits
SIP
Page 10 of 29
Plan My Investment
Repayments :
LoanType
Monthly
Home Loan
Total :
Yearly
% of Total
10,321
123,852
10,321
123,852
Monthly
100.00
Yearly
Your Total Income :
35,000
420,000
Your Total Expenses :
12,000
144,000
6,667
80,004
10,321
123,852
6,012
72,144
Your Commited Savings :

Your Loan Repayments :
Part of your Savings available :
Cash Flow Statement (in Rs.)

450K
Sum of Amount
400K
350K
300K
Income
Expenses
Cashflow
250K
200K
150K
100K
50K
0K
Income
Expenses
Cashflow
Description
Page 11 of 29
Plan My Investment
Contingency Planning
Contingencies can arise due to many reasons like Job loss, health problems, temporary Disability,etc.
Contingencies can result in reduction or stoppage of one's income. But regular living expenses need to be
taken care of anyway. So, a well thought out and planned Contingency Fund for such situations can be a
great help.A Corpus equivalent of 3 - 3 months of Living expenses plus committed outgo kept in liquid
form is highly recommended.
Emergency funds should be invested in shortterm investments such as savings, liquid funds or Bank
Deposits.
Objective
a) Maintain an emergency fund of Rs. 112,002.00 to cover 6 months worth of living expenses.
b) An emergency fund is important in the event of an unexpected job loss, reduction in income or to cover
unexpected expenses.
Current Situation
a) Analysis of Funding: You have allocated Rs. 400,000.00 to cover any unexpected expenses
Assets allocated for contingency planning :
Asset Type
Cash and Cash
Equivalent
Total monthly expenses

Contingency period (months)
Asset Name
Saving Account
Owner
Suraj
Amount
400,000
18,667
6.00
Ideal funds req. for emergency
112,002
Fund available for emergency
400,000
Net surplus/(shortfall)
287,998
Page 12 of 29
Plan My Investment
Networth Analysis
Net Worth is the difference between assets and liabilities. It is an excellent starting place
personal financial analysis because it provides an understanding of your overall financial
sense of whether goals may be realistic and achievable and a benchmark for evaluating your progress.
Assets
Amount
for conducting
circumstances,
% of Total
% Of Total
Assets
100.00
48.83
100.00
2.35
0.00
0.00
100.00
48.83
a
a
Debt Assets
Bank Deposits
400,000
400,000
Total :
Equity Assets
Equity Mutual Fund
19,230
19,230
Total :
Insurance
Endowment Surrender Value
0
0
Total :
Liquid Assets
Saving Account
400,000
Total :
400,000
Total Assets :
819,230
Asset Structure
D e bt A s s e ts
E qui ty A s s e ts
I ns ura nc e
L i qui d A s s e ts
Page 13 of 29
Plan My Investment
Liabilities :
Loan Type
Outstanding Balance
Home Loan
1,002,005
1,002,005
Total :
Total Assets
819,230
Total Liabilities
1,002,005
Networth
-182,775
Current Networth
1200K
S um of A mount
1000K
800K
600K
Assets
Liabilities
NetWorth
400K
200K
0K
-200K
Assets
Liabilities
NetWorth
Page 14 of 29
Plan My Investment
Client Assumption Details
Description
Personal Goal
Depedent Goal
Percentage
7.00
12.00
Liquid Mutual Fund
6.00
Debt Mutual Fund
7.00
Equity Mutual Fund
12.00
Real Estate
9.00
Commodities
9.00
Inflation Rate
7.00
Expenses Growth Rate
9.00
Rental Income Growth Rate
10.00
Expected Retirement Return
7.00
Expenses Growth rate (post retirement)
7.00
Salary Growth Rate (Self)
10.00
Salary Growth Rate (Partner)
10.00
Expected Insurance Corpus Returns

Stock SIP Return Rate
Insurance Plans
7.00
12.00
7.00
Ulip Return
10.00
Step Up %
10.00
Insurance HLV Rate
10.00
Page 15 of 29
Plan My Investment
Dreams & Goals
The first step in personal financial planning is controlling your day-to-day financial affairs to enable you to do
the things that bring you satisfaction and enjoyment. This is achieved by planning and following a budget, as
discussed in the first part of the plan.
The second
goals.
step
in
personal
financial
planning
is
choosing
and
following
course
toward
As with anything else in life, without financial goals and specific plans for meeting them,
leave our future to chance. A wise man once said: "most people don't plan to fail; they just fail to plan."
long-term
we
drift
financial
along
and
The end result is the same: failure to reach financial independence.
Goal Description
Inflation
Initially
Amount
Required
Every
Year
Present
Value
Years
Left
Future Value
Priority
alto
300,000
300,000
358,216
flat
4,000,000
4,000,000
11
8,419,408
High
Rajib Graduation
100,000
300,000
15
1,029,813
High
12
500,000
500,000
1,500,000
17
10,711,024
High
28
29,280,240
High
Rajib Post
Graduation
Retirement Goal
Medium
Page 16 of 29
Plan My Investment
Goal Analysis and Funding
Your ability to maintain your lifestyle objectives for the future is determined by your current
situation we need to consider what is achievable given your current position, and how we
accumulated so far.
Net
Retrn
358,216
0.00
8.40
220,785
3,881
3,203
7,733,568
8.15
8.40
3,184,621
36,513
24,279
0 213.33
8.40
0.00
8.40
2,642,902
23,678
12,192
13.59
11.00
1,361,669
12,570
5,069
Existing
Investment
300,000
358,216
4,000,000
11
685,840
8,419,408
Rajib Graduation
300,000
15
2,196,928
1,029,813
Rajib Post
Graduation
Retirement Goal
1,500,000
17
10,711,024
10,711,024
28
3,980,557
29,280,240
25,299,683
Car Purchase
Home Purchase
Total :
Present
Value
%
Goal
Fund
Years
Left
Goal Description
Future Value
investments and ongoing savings. In analyzing your

can take best advantage of the assets you have
Net Corpus
Required
Lumpsum
Invesment
7,409,978
Page 17 of 29
Plan My Investment
Monthly
Invesment
76,642
Step Up
Investment
44,744
Asset Allocation
Over time, one of the most important factors in determining the return on your portfolio is the asset
of stocks, bonds and cash that you own.
The appropriate asset allocation can help provide diversification of your portfolio, enhance return
fluctuation and position your portfolio to take advantage of developing investment opportunities.
allocation
that
potential,
represents
lower
the
overall
mix
portfolio
Based on the responses to the Risk Assessment Questionnaire, your risk profile is:Wealth Builder
Based on your risk profile, we have shown below the asset allocation required to be done in order to achieve your goals.
Asset Allocation (In case of Lumpsum Inv)
Goal Name
Risk Profile
Cash
Gold
Equity Mutual
Fund
Debt
Direct Equity
Endowment
Plans
Real Estate
Net
Ret
Car Purchase
Wealth Builder
66,235
22,078
66,235
66,235
8.40
Home Purchase
Wealth Builder
955,386
318,462
955,386
955,386
8.40
Rajib Graduation
Wealth Builder
8.40
Rajib Post
Graduation
Retirement Goal
Wealth Builder
792,871
264,290
792,871
792,871
8.40
11.00
Total :
Wealth Builder
272,334
1,089,336
1,814,492
604,831
2,086,826
2,903,828
Page 18 of 29
Plan My Investment
Asset Allocation (In case of Monthly Inv)
allocation
potential,
that
represents
lower
overall
the
mix
portfolio
Gold
Debt
Direct Equity
Endowment
Plans
Real Estate
Net
Ret
Risk Profile
Car Purchase
Wealth Builder
1,164
388
1,164
1,164
8.40
Home Purchase
Wealth Builder
10,954
3,651
10,954
10,954
8.40
Rajib Graduation
Wealth Builder
8.40
Rajib Post Graduation
Wealth Builder
7,103
2,368
7,103
7,103
8.40
Retirement Goal
Wealth Builder
11.00
Total :
Cash
Equity Mutual
Fund
Goal
2,514
10,056
19,222
6,407
21,736
29,278
Page 19 of 29
Plan My Investment
Asset Allocation (In case of Step Up Inv)
allocation
potential,
that
represents
lower
overall
the
mix
portfolio
Goal
Risk Profile
Cash
Gold
Equity
Mutual Fund
Debt
Direct Equity
Endowment
Plans
Real Estate
Net
Ret
Car Purchase
Wealth Builder
961
320
961
961
8.40
Home Purchase
Wealth Builder
7,284
2,428
7,284
7,284
8.40
Rajib Graduation
Wealth Builder
8.40
Rajib Post
Graduation
Wealth Builder
3,658
1,219
3,658
3,658
8.40
Retirement Goal
Wealth Builder
11.00
Total :
1,014
4,056
11,902
3,967
12,916
15,958
Page 20 of 29
Plan My Investment
Retirement Planning
setting
aside
Retirement
planning
of
or
planning
is
than
necessity.
retirement
to
money
age
achieve
and
In
To
income,
this
order
i.e.
to
which
to
assets
the
to
of
so
retirement
whether
maintain
will
allocation
obtain
independence,
process
lifestyle,
readiness-to-retire.
generate
other
financial
The
refers
be
one
your
the
planning
life
increasing
aims
at
the
to
to
money
after
for
income
need
enough
style
finances
steady
that
has
of
at
be
to
of
This
retirement.
gainfully
assess
retirement,
rate
retirement.
The
goal
employed
is
readiness-to-retire
retire
you
inflation
normally
and
identify
would
and
is
means
of
retirement
optional
given
required
a
to
rather
desired
to
improve
regular
income.
actions
require
the
last
for
your
lifetime, you will need to accumulate a corpus of Rs. 29,280,240 approx at the time of retirement.
Self
Current Age
32
Retirement Age/Year
60
Number of Years Left for retirement
28
Total Annual Expenses (if you retire today)

Actual expenses in 1st year of retirement
Retirement Corpus Required
Provisions Made through your exisitng investments
Net Corpus required for Retirement
114,000
1,273,054
29,280,240
3,980,557
25,299,683
Page 21 of 29
Plan My Investment
Sum of Amount
32M
Sum of Amount
28M
24M
20M
E x i s ti ng I nv e s tme nts
F uture V a l ue
N e t C o rpus R e qui re d
16M
12M
8M
4M
0M
E x i s ti ng
I nv e s tme nts
F uture V a l ue
N e t C o rpus
R e qui re d
Utilization of Existing Investments
E ndo wme nt
M utua l F und
Page 22 of 29
Plan My Investment
Existing Investments used to achieve this Goal
Asset Type
Asset Name
Mutual Fund
Axis Equity Fund - Growth
Endowment
jeevan sati
Lumpsum Used
SIP Used
19,230
Total :
Future Value
5,000
%
Contr
1,709,977
42.96
57.04
512,500
2,270,581
531,730
5,000
3,980,558
Asset Allocation for new Investments
Mode
Cash
Gold
Equity Mutual
Fund
Debt
Direct Equity
Endowment Plans
Lumpsum
272,334
1,089,336
Monthly
2,514
10,056
Step Up
1,014
4,056
New Product Recommendations
Asset Type
Product Name
Amount
Invested
SIP Amount
Invested
SIP Start Date
Page 23 of 29
Plan My Investment
SIP End Date
Insurance Planning
It is
life, so that
eventuality.
extremely important that every person, especially the breadwinner, covers the risks to his
his family's quality of life does not undergo any drastic change in case of an unfortunate
If we can imagine a situation where our goals are

the relevance of insurance in our lives. Insurance, simply
into during our lives. Insurance enables us to live our
financial impact of events that could hamper it. In
contingencies that could affect us.
Objective:
Determine the additional
dies prematurely.
capital
required
to
meet
Family's
disturbed by acts beyond our control, we realize

put, is the cover for all the risks that we run
lives to the fullest, without worrying about the
other words, insurance protects us from the
expenses
in
the
event
Mr.
Suraj
Chowdhury
Current Situation:
Existing Insurance Cover (a):
Policy Name
Sum Assured
Person Assured : Suraj

jeevan sati
500,000
Total Existing Cover (Suraj) :
500,000
Total Existing Cover :
500,000
Existing Loan Outstanding (b) :
Debt Repayment
Outstanding Balance
Home Loan
1,002,005
1,002,005
Total Outstaning Debt :

Essential Goals (c) :
Goal Names
Rajib Graduation
Rajib Post Graduation
Total Goal Corpus Required (Essential) :
Goal Corpous
283,339
1,471,698
1,755,037
Page 24 of 29
Plan My Investment
Resources Available For Liquidation (d) :

Asset Name
Goal Corpus
Liquid Account
400,000
Commodities
Real Estate
Mutual Fund
19,230
Stock Portfolio
EPF
SAF
Saving Schemes
400,000
819,230
Total Assets Available:
Expense Replacement (e) :

Amount
Present Value Of Future Expenses
7,344,000
Total additional cover required (excluding Existing Cover) (e-d+c+b)
9,281,812
Total additional cover required for Self
7,779,807
Total additional cover required for Spouse
Page 25 of 29
Plan My Investment
General Insurance Planning
This section covers

and our recommendations.
Name
analysis
of
Policy Name
your
current
General
Insurance Type
Insurance
policies,
Need
Sum Assured
Analysis
Premium
Amount
of
the
Client
Is Floating
Total :
General Insurance Recommendations :
Insurance Type
First Name
Policy Name
Sum Assured
Recommended
Premium Amount
Total :
Page 26 of 29
Plan My Investment
Cash flow Upto Retirement
Year
Opening
Cash Flow
Total
Income
Asset
Maturity
Net
Inflow
Expenses
Goal
Outflow
Net
Outflow
Page 27 of 29
Plan My Investment
Interest On
Surplus
Net Closing
Balance
Cash Flow After Retirement
Age
Year
Retirement
Corpus
Net Closing
Balalance
Expenses
Net Closing
Balance
Page 28 of 29
Plan My Investment
Disclaimer & Risk Factors
These recommendations are given for your benefit only and are subject to review at the time of placement of your investments
because circumstances law and economic conditions can change. If more than 30 days have elapsed since the date of this plan,
you should not act on any specific recommendation without further consideration.
Returns from each recommended investment will vary in line with market conditions and investment policies of the fund
manager. Income and growth assumptions are intended as a guide only and should be treated with caution. No warranty is given for
the accuracy of the same. Most long equity/ growth investment are long term in nature and significant variations including capital
loss, may occur over shorter periods. Neither the authorized representative nor the company guarantees the performance or return
of capital on any of these investments. These recommendations are based on the information you have supplied. If any material
information has been withheld or any inaccurate, these recommendations could prove to be inappropriate for you.
Tax benefits, if any, are as per the Income Tax Act, 1961, and are subject to change from time to time. Therefore the
matters relating to taxation should be cleared with your own Tax Consultant. The information contained in this plan is strictly
confidential and meant solely for the selected recipient and may not be altered in any way, transmitted to, copied or distributed, in
part or in whole, to any other person or to the media or reproduced in any form, without prior written consent.
Nothing in this document should be construed as an investment or financial advice and nothing in this document should be
construed as an advice to buy or sell or solicitation to buy or sell the units of the schemes of any particular fund house or
securities or other financial instrument referred to in this document.
Nothing in this plan constitutes investment, legal, accounting and tax advice or a representation that any investment or strategy
is suitable or appropriate to your specific circumstances. The securities discussed and opinions expressed in this plan may not be
suitable for all investors, who must make their own investment decisions, based on their own investment objectives, financial
positions and needs of specific recipient.
Page 29 of 29
Plan My Investment

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Financial Plan of - Mr.

November 20, 2014

Financial Plan of - Mr. Suraj Chowdhury

Financial Plan Overview

Cash Flow Management

Client Assumptions Details

Dreams & Goals

Goal Analysis And Funding

Asset Allocation For New Investment (Lumpsum Mode)

Asset Allocation For New Investment (Monthly Mode)

Asset Allocation For New Investment (Stepup Mode)

Cash Flow Upto Retirement

Cash Flow After Retirement

Disclaimer & Risk Factors

Financial Plan of - Mr. Suraj Chowdhury

Financial Plan of - Mr. Suraj Chowdhury

Financial Plan of - Mr. Suraj Chowdhury

Executive Paln Summary

Financial Plan of - Mr. Suraj Chowdhury

Mr. Suraj Chowdhury

Mrs. Anita Chowdhury

Mr. Rajib Chowdhury

Expected Retirement Age

Financial Plan of - Mr. Suraj Chowdhury

Risk Profile :Wealth Guard

Financial Plan of - Mr. Suraj Chowdhury

Cash Flow Management

Income for the current year :

Inc. From Inv.

Financial Plan of - Mr. Suraj Chowdhury

Expense for the current year :

Financial Plan of - Mr. Suraj Chowdhury

Committed Savings for the current year :

Financial Plan of - Mr. Suraj Chowdhury

Your Total Income :

Your Total Expenses :

Your Commited Savings :

Cash Flow Statement (in Rs.)

Financial Plan of - Mr. Suraj Chowdhury

Total monthly expenses

Ideal funds req. for emergency

Fund available for emergency

Financial Plan of - Mr. Suraj Chowdhury

Financial Plan of - Mr. Suraj Chowdhury

Financial Plan of - Mr. Suraj Chowdhury

Client Assumption Details

Liquid Mutual Fund

Debt Mutual Fund

Equity Mutual Fund

Expenses Growth Rate

Rental Income Growth Rate

Expected Retirement Return

Expenses Growth rate (post retirement)

Salary Growth Rate (Self)

Salary Growth Rate (Partner)

Expected Insurance Corpus Returns

Insurance HLV Rate

Financial Plan of - Mr. Suraj Chowdhury

Dreams & Goals

The end result is the same: failure to reach financial independence.

Financial Plan of - Mr. Suraj Chowdhury

Goal Analysis and Funding

investments and ongoing savings. In analyzing your