a) Cashflow Statement

Inflow Faiq (RM) Fatin (RM) Total (RM)

Salary 114,000 66,000 180,000
Bonus 9,500 9,500
Allowance 12,000 12,000
Rental Income 9,600 9,600
Tax (12,000) (12,000)
Zakat (1 200) (1,200)
Total Inflow 111,500 86,400 197,900
Outflow
Parents 9,600 9,600
Takaful Policy 3,600 1,800 5,400
Insurance & Road Tax 900 800 1,700
Maintenance 800 700 1,500
Petrol 3,600 2,400 6,000
Food Stuff 9,600 9,600
Utilities 6,000 6,000
Telephones 5,400 3,000 8,400
Hypp TV 2,160 2,160
Dining Out 6,000 6,000
Clothing 2,400 3,600 6,000
Children Education 4,800 4,800
Books 3,000 3,000 6,000
Personal Expenses 7,800 4,800 12,600
Maid 10,800 10,800
Vacation 6,000 6,000
House 17,735.76 17,498.52 35,234.28
Vehicle 5,035.68 4,023.36 9,059.04
Total Outflows 94,431.44 52,421.88 146,853.32

Surplus 17,068.56 33,978.12 51,046.68

b) Risk Management and Takaful

Expenses
Outflow Faiq Fatin Total Adjustment After
Adjustment
Parents 9,600 9,600
Takaful Policy 3,600 1,800 5,400
Insurance & Road Tax 900 800 1,700 900
Maintenance 800 700 1,500 800
Petrol 3,600 2,400 6,000 Pay Half 1,800
Food Stuff 9,600 9,600 9,600
Utilities 6,000 6,000 6,000
Telephones 5,400 3,000 8,400 No more for
Husband
Hypp TV 2,160 2,160 2,160
Dining Out 6,000 6,000 Pay Half 3,000
Clothing 2,400 3,600 6,000 No more for
Husband
Children Education 4,800 4,800 4,800
Books 3,000 3,000 6,000 No more for
Husband
Personal Expenses 7,800 4 ,800 12,600 No more for
Husband
Maid 10,800 10,800
Vacation 6,000 6,000 Pay Half 3,000
House 17,735.7 17,498.5 35,234.28 Cover with
6 2 MRTT
Vehicle 5,035.68 4,023.36 9,059.04 Cover with
MRTT
Total Outflows 94,431.4 52,421.8 146,853.3 32,060
4 8 2

How much money needed to sustain family?

Capital Intact Method Total

Estimated Annual Expenses RM 32,060
Return on Investment 6.5%
Capital Intact Amount RM 493,230.77