Strictly Private & Confidential

Financial Plan of Mahesh & Family

Prepared By

Peddareddy Rajasekhar, CFP

Valueraj Advisors Private Limited II Floor, Plot #41, Vijayapuri Colony, Opp. Canara Bank, A.S.Rao Nagar, Hyderabad - 50002 Mobile: 9052002624, Email: peddareddy@valueraj.com, Website: www.valueraj.com

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Financial Plan for Mahesh and Family

Contents
Sr. No. Executive Summary 1 2 3 4 5 Key Points Your Needs & Funding Summary Investment Actions Asset Allocation Insurance Actions Family Details & Assumptions 1 2 Family Details Investment Returns Assumptions Investment Plan 1 3 4 5 Children's Future Retirement Corpus Olf-age Illness International Vacation Insurance Plan 1 2 3 Life Insurance Accidental Disability Insurance General Insurance Appendix 1 3 4 Risk Profile Utilization of Retirement Corpus Data Gathering Form 27 28 29 21 23 25 16 17 18 19 12 13 6 7 8 9 10 Section Page No.

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Financial Plan for Mahesh and Family

Friday, 2 December, 2011 Mahesh Plot No.22 Navyug Enclave Begumpet Hyderabad Dear Mr. Mahesh
Thank you for giving us an opportunity to prepare your Financial Plan. We appreciate your proactive approach in attaining financial freedom and fulfilling commitments made to your family members and take control of your personal finance matters.

The enclosed Financial Plan for your family assesses your future financial needs and provides Financial recommendations and an action plan to address them on a timely basis.

The plan is prepared on the information provided by you based on your current circumstances and future financial objectives. Please read the plan carefully to check for accuracy of the information provided. However, it needs to be monitored on an ongoing basis and updated in response to changes in your own circumstances and other factors, such as government regulations, market movements and macro economy.

We shall be glad to provide you with our ongoing services to implement & monitor your Financial Plan to ensure you meet your financial needs. Kindly read our disclaimer & disclosure on the next page. Please feel free to contact us if you need any clarifications or information.

Thanking you once again Yours Sincerely

____________________ Peddareddy Rajasekhar, CFP Valueraj Advisors Private Limited

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Financial Plan for Mahesh and Family

Disclaimer
An Financial Plan is a generic direction to achieve your financial needs over a period of time. Your future financial condition may alter due to changes in income/expense patterns, new family commitments, macro economic scenario etc which may prompt you to alter some aspects of your needs and add new needs. Therefore this Financial Plan and the recommendations in it should be used to give you a long term direction and also take immediate actions towards achieving your current financial needs.

These recommendations are subject to review at the time when you are actually taking actions as recommended because of changes in legal circumstances, economic conditions etc. If considerable time has elapsed since the date of this plan, you should not act on any specific recommendation without further consultation with us.

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. We should not be held responsible for the accuracy of the same. Most equity/ growth investment are long term in nature and significant variations including capital loss, may occur over shorter periods. Performances of investments are subject to market risks. Past performances of a particular asset class or investment may not be the true indicator of their performance in future.

These recommendations are based on the information you have supplied. If any material information has been withheld or inaccurate, these recommendations could prove to be inappropriate for you. While we have made every attempt to ensure that the calculations contained in this Financial Plan are correct and complete, kindly note the plan may contain inaccuracies or errors due the manual-computer interface involved in making the calculations and we expressly exclude liability for any such inaccuracies or errors. In the case where a error or omission is involved, you can request us to rectify the error or omission, we shall do the needful.

Disclosure
If the plan is implemented through us, we would receive applicable brokerage from all/some of the investment and insurance products recommended. We will be entitled to commission directly from product providers. We will be also eligible to other incentives including allowances and incentives based on volumes, discounted services and awards. However these benefits & compensation from the product manufacturers shall be disclosed to you wherever applicable.

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Financial Plan for Mahesh and Family

Executive Summary

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Financial Plan for Mahesh and Family

Key Points
A
1 2 3

Investment Plan: High Priority Needs

You would like to arrange funds (Rs 1,000,000 in today's terms) for Lavanya's graduation by the time she turns 18. You need to invest Rs 5,171/- per month starting now. You would like to arrange funds (Rs 500,000 in today's terms) for Lavanya's marriage by the time she turns 25. You need to invest Rs 1,296/- per month starting now. You would like to arrange corpus for your life after retirement at 60 and you would like to maintain the same lifestyle as is prior to retirement. You need a corpus of Rs 2,71,39,168/- by the time you turn 60 and you need to invest Rs 11,090/- per month starting now. Total Investments Per Month: Rs 17,557

B
4

Investment Plan: Medium Priority Needs

You would like to arrange funds (Rs 500,000 in today's terms) for any old-age illness after 25 years from now. You need to invest Rs 818/- per month starting now. Total Investments Per Month: Rs 818

C
5

Investment Plan: Low Priority Needs

You would like to arrange funds (Rs 300,000 in today's terms) for an international vacation with your family after 5 years from now. You need to invest Rs 4,838/- per month starting now. Total Investments Per Month: Rs 4,838

D
6

Insurance Plan
In addition to your current assets/investments, you need to have a life insurance cover for Rs 65,61,078/-. This cover can meet all future needs of your family in case of any untoward incidents to your life. In addition to your current assets/investments, you need to have a Personal Accident insurance cover for Rs 88,60,539/-. This cover can meet all future needs of yourself and your family in case of any untoward accidents to you which may result in permanent disablement. If you do not have yet, a continuous heatlh insurance plan for whole family is recommended. For this, a Family Floater policy with a cover of Rs 300,000/- is recommended for your family size. This must be in addition to the cover provided by your employer, as employer cover ceases once you leave the job termporarily or permanently. If you do not have yet, a comprehensive vehicle insurance policy for your vehicle is recommended. This shall cover any damage to your vehicle and also any death/damage to public/vehicles by your vehicle.

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Financial Plan for Mahesh and Family

Your Needs & Funding Summary

Sr. No. Need Year Present Cost Future Current Assets Amount from Future Cost Future Invests No of Years Assigned Current Assets Amount

2 3 4

Children's Future Lavanya - Graduation Lavanya - Marriage Retirement Corpus Old-age Illness International Vacation

2024 2031 2036 2036 2016

1,000,000 500,000 NA 500,000 300,000

2,110,910 1,587,014 27,139,168 2,145,935 401,468

0 Monthly SIP 0 Monthly SIP 0 Monthly SIP 0 Monthly SIP 0 Monthly SIP

13 20 25 25 5

5,171 1,296 11,090 818 4,838

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Financial Plan for Mahesh and Family

Investment Actions
Sr. No. 1 Need Children's Future Lavanya - Graduation High 2024 Monthly SIP 13 Birla Sun Life 5,171 Dividend Yield Plus CPR2 Low High Priority Target Year Future Invests No of Years to invest Amount (INR) Scheme (recommended) CRISIL Rating Value Value Research Research Return Risk Grade Grade

Lavanya - Marriage 2 3 Retirement Corpus Old-age Illness

High High Medium

2031 2036 2036

Monthly SIP Monthly SIP Monthly SIP

20 25 25

1,296 HDFC Equity Fund CPR2 11,090 HDFC Top 200 CPR2 Fund Reliance Equity 818 Opportunities CPR3 Fund Reliance Equity 4,838 Opportunities CPR3 Fund

Average Average Below Average Below Average

High High Above Average Above Average

International Vacation

Low

2016

Monthly SIP

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Financial Plan for Mahesh and Family

Need

Equity Need-based Asset Allocation Fund Equity Fund Debt Fund 11 18 23 23 3

Debt Fund 2 2 2 2 2
Old-age Illness @ 2036: Rs 818 per month

Lavanya - Graduation @ 2024: Rs 5171 per month Lavanya - Marriage @ 2031: Rs 1296 per month Retirement Corpus @ 2036: Rs 11090 per2016: Rs International Vacation @ month 4838 per month Old-age Illness @ 2036: Rs 818 per month International Vacation @ 2016: Rs 4838 per month

Retirement Corpus @ 2036: Rs 11090 per month

Lavanya - Marriage @ 2031: Rs 1296 per month

Lavanya - Graduation @ 2024: Rs 5171 per month

10

15

20

25

30

Years from Now -->

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Financial Plan for Mahesh and Family

Insurance Actions
S.No Type Insurance Cover (Recommended) 6,561,078 For Remarks/Notes On-line Term Plans are recommended for for their low cost. Personal Accident Insurance policy with Permanent Disablement feature is recommended. Family floater policies are recommended for their low cost. Comprehensive policy inlcuding statutory third-party cover is recommended.

Life Insurance

Self

Accidental Disability Insurance

8,860,539

Self

Health Insurance

300,000

Family Personal Vehicle

Motor Insurance

IDV of the vehicle

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Financial Plan for Mahesh and Family

Family Details & Assumptions

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Financial Plan for Mahesh and Family

Family Details
Particulars Name Date of Birth Current Age Retirement Age Life Expectancy Monthly Take-home Income % Income Increase Husband Mahesh 21-Jun-76 35 60 80 100000 5% Wife Parvathi 12-Jan-82 30 60 80 0 0%

Children Particulars Name Date of Birth Current Age Child-1 Lavanya 29-Sep-06 5 Child-2 0 N.A 0

Dependents Particulars Name Date of Birth Current Age Mother Lalitha Kumari 9-Jul-45 66 N.A 0 N.A 0

Expenses Particulars Household expenses Lifestyle expenses Monthly Amount 25000 10000 Annual Amount 300000 120000

Other Assumptions Plan Date 2-Dec-11 Economic Inflation 6%

Risk Profile Category Aggressive

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Financial Plan for Mahesh and Family

Investment Returns Assumptions

Particulars Liquid Debt Gold Urban Real Estate Equity

Total Return

Real Returns on Asset Class (19892010, Source: CLSA; Real-estate: NHB Residex) Economic Inflation (Assumed) Nominal Returns on Asset Class

0.00% 6.00% 6.00%

3.65% 6.00% 9.87%

1.22% 6.00% 7.29%

7.01% 6.00% 13.43%

9.08% 6.00% 15.62%

Typical Asset Allocation: Liquid Fund Debt Fund MIP (Growth Option) Balanced Fund Equity Fund Retirement Corpus Insurance Claim Proceeds 100.00% 5.00% 5.00% 5.00% 5.00% 10.00% 10.00% 0.00% 95.00% 70.00% 25.00% 0.00% 65.00% 60.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 10.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 25.00% 70.00% 95.00% 25.00% 20.00% 6.00% 9.68% 11.11% 13.70% 15.14% 10.92% 10.38%

Remaining years for Need 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14

Asset Allocation (For Aggressive Risk Profile) Liquid Fund Debt Fund Debt Fund First 1 years in Equity Fund; Last 2 years in Debt Fund First 2 years in Equity Fund; Last 2 years in Debt Fund First 3 years in Equity Fund; Last 2 years in Debt Fund First 4 years in Equity Fund; Last 2 years in Debt Fund First 5 years in Equity Fund; Last 2 years in Debt Fund First 6 years in Equity Fund; Last 2 years in Debt Fund First 7 years in Equity Fund; Last 2 years in Debt Fund First 8 years in Equity Fund; Last 2 years in Debt Fund First 9 years in Equity Fund; Last 2 years in Debt Fund First 10 years in Equity Fund; Last 2 years in Debt Fund First 11 years in Equity Fund; Last 2 years in Debt Fund First 12 years in Equity Fund; Last 2 years in Debt Fund

Annual Return 6.00% 9.68% 9.68% 11.47% 12.38% 12.92% 13.29% 13.55% 13.75% 13.91% 14.03% 14.13% 14.21% 14.28% 14.35%

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15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

First 13 years in Equity Fund; Last 2 years in Debt Fund First 14 years in Equity Fund; Last 2 years in Debt Fund First 15 years in Equity Fund; Last 2 years in Debt Fund First 16 years in Equity Fund; Last 2 years in Debt Fund First 17 years in Equity Fund; Last 2 years in Debt Fund First 18 years in Equity Fund; Last 2 years in Debt Fund First 19 years in Equity Fund; Last 2 years in Debt Fund First 20 years in Equity Fund; Last 2 years in Debt Fund First 21 years in Equity Fund; Last 2 years in Debt Fund First 22 years in Equity Fund; Last 2 years in Debt Fund First 23 years in Equity Fund; Last 2 years in Debt Fund First 24 years in Equity Fund; Last 2 years in Debt Fund First 25 years in Equity Fund; Last 2 years in Debt Fund First 26 years in Equity Fund; Last 2 years in Debt Fund First 27 years in Equity Fund; Last 2 years in Debt Fund First 28 years in Equity Fund; Last 2 years in Debt Fund First 29 years in Equity Fund; Last 2 years in Debt Fund First 30 years in Equity Fund; Last 2 years in Debt Fund First 31 years in Equity Fund; Last 2 years in Debt Fund First 32 years in Equity Fund; Last 2 years in Debt Fund First 33 years in Equity Fund; Last 2 years in Debt Fund First 34 years in Equity Fund; Last 2 years in Debt Fund First 35 years in Equity Fund; Last 2 years in Debt Fund First 36 years in Equity Fund; Last 2 years in Debt Fund First 37 years in Equity Fund; Last 2 years in Debt Fund First 38 years in Equity Fund; Last 2 years in Debt Fund

14.40% 14.45% 14.49% 14.52% 14.56% 14.58% 14.61% 14.64% 14.66% 14.68% 14.70% 14.71% 14.73% 14.74% 14.76% 14.77% 14.78% 14.79% 14.80% 14.81% 14.82% 14.83% 14.84% 14.85% 14.86% 14.86%

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Financial Plan for Mahesh and Family

Investment Plan

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Financial Plan for Mahesh and Family

Children's Future
Steps Child's Name Needs Step I Current Age Age at Need Remaining Years for Need Year of Need Present Cost of Need Step II Future Cost of Need Expected Inflation of Expenses Future Expense Amount Step III Utilization of Current Assets Current Assets Utilized Step IV Fresh Investment Required Shortfall to met by Fresh Investments Start investing after (no. of years) Stop investing before (no. of years) Expected Investment Returns Lumpsum Investment Required (if available) Monthly Investment Required 2,110,910 0 0 14.21% 384,073 5,171 0 0 0 14.45% 0 0 1,587,014 0 0 14.56% 107,345 1,296 0 0 0 14.52% 0 0 0 0 0 14.64% 0 0 0 0 0 14.70% 0 0 0 0 0 0 0 0 6.00% 2,110,910 6.00% 0 6.00% 1,587,014 6.00% 0 6.00% 0 6.00% 0 18 13 2024 1,000,000 Quantify Need 5 22 17 2028 0 25 20 2031 500,000 18 18 2029 0 0 22 22 2033 0 25 25 2036 0 Graduation Lavanya Post Graduation Marriage Graduation 0 Post Graduation Marriage

(OR)

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Financial Plan for Mahesh and Family

Retirement Corpus
Steps Step I Particulars Current Expenses Household Expenses Lifestyle Expenses Retired life expenses as % of pre-retirement life expenses Total Monthly Expenses Total Annual Expenses Step II Inflation No. of Years for Retirement Retirement Year Expenses in the First Year of Retirement Step III Corpus Required to Fund Retirement Expenses No. of Years in Retirement Inflation during Retirement Years Net Tax on Investment Income Investment Returns on Retirement Corpus Net Returns Retirement Corpus Required Step IV EPF Gratuity Superannuation Total Current Assets Utilized Step V Fresh Investment Required Deficit (Corpus Required-Assets Utilized) Start investing after (no. of years) Stop investing before (no. of years) Expected Investment Returns Lumpsum Investment Required (If Available) (OR) Monthly Investments Required 27,139,168 0 0 14.68% 943,309 11,090 Utilization of Current Assets & Benefits 0 0 0 0 26 6.00% 0.00% 10.92% 4.64% 27,139,168 Future Expenses at Retirement 6.00% 25 2036 1,753,763 25,000 10,000 100% 35,000 420,000 Amount Remarks/Notes

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Financial Plan for Mahesh and Family

Old-age Illness
Steps Step I Particulars Future Cost of Treatment Current Cost of Treatment Inflation Current Age Remaining Years for Need Expected Age of Going for Treatment Year of Need Future Cost of Treatment Step II Utilization of Current Assets Total Current Assets Utilized Step III Fresh Investment Required Deficit (Corpus Required-Assets Utilized) Start investing after (no. of years) Stop investing before (no. of years) Expected Investment Returns Lumpsum Investment Required (If Available) (OR) Monthly Investment Required 2,145,935 0 0 14.70% 69,644 818 0 500,000 6.00% 35 25 60 2036 2,145,935 Amount Remarks/Notes

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Financial Plan for Mahesh and Family

International Vacation
Steps Step I Particulars Future Cost of Vacation Current Cost of Vacation Inflation Current Age Remaining Years for Need Expected Age of Going for Vacation Year of Need Future Cost of Vacation Step II Utilization of Current Assets Total Current Assets Utilized Step III Fresh Investment Required Deficit (Corpus Required-Assets Utilized) Start investing after (no. of years) Stop investing before (no. of years) Expected Investment Returns Lumpsum Investment Required (If Available) (OR) Monthly Investment Required 401,468 0 0 12.92% 218,631 4,838 0 300,000 6.00% 35 5 40 2016 401,468 Amount Remarks/Notes

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Financial Plan for Mahesh and Family

Insurance Plan

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Financial Plan for Mahesh and Family

Life Insurance Cover

Steps Step I Particulars Insurance For Outstanding Liabilities Home Loan Outstanding Balance Vehicle Loan Outstanding Balance Personal Loan Outstanding Balance Any Other Loan Outstanding Balance Cover Required for Total Outstanding Loans Step II Insurance For Children's Needs Children's Schooling & Pre-university Education Children's Graduation & Post-graduation Children's Marriage Cover Required for Children's Needs Step III Insurance For Dependents Contribution to Dependents Cover Required for Dependents Step IV Insurance For Future Expenses of Family Current Monthly Household Expenses Current Monthly Lifestyle Expenses Current Monthly Total Expenses Discounting Factor ("Insured Person" Expenses of Total) Net Monthly Expenses Current Annual Expenses Present Age of Spouse Life Expectancy of Spouse Remaining Life of Spouse Inflation Rate Net Tax on Investment Income Investment Returns on insurance claim/corpus Net Returns Cover Required for Future Expenses of Family 25,000 10000 35,000 25% 26,250 315,000 30 80 50 6.00% 0.00% 10.38% 4.13% 6,898,382 An Assumption 1,301,392 1,301,392 307,726 595,320 224,258 1,127,304 0 234,000 0 0 234,000 Amount Remarks/Notes

Step V

Total Life Insurance Required

9,561,078

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Financial Plan for Mahesh and Family

Step VI

Resources Available Total Life Insurance Sum Assured (Existing Policies, if any) Total Investment Assets Current Value Present Value of Future Earnings by Spouse Total Resources Available 0 3,000,000 0 3,000,000 6,561,078

Step VII

Additional Life Insurance Cover Required

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Financial Plan for Mahesh and Family

Accidental Disability Insurance Cover

Steps Step I Particulars Insurance For Outstanding Liabilities Home Loan Outstanding Balance Vehicle Loan Outstanding Balance Personal Loan Outstanding Balance Any Other Loan Outstanding Balance Cover Required for Total Outstanding Loans Step II Insurance For Children's Needs Children's Schooling & Pre-university Education Children's Graduation & Post-graduation Children's Marriage Cover Required for Children's Needs Step III Insurance For Dependents Contribution to Dependents Cover Required for Dependents Step IV Insurance For Future Expenses of Family Current Monthly Household Expenses Current Monthly Lifestyle Expenses Current Monthly Total Expenses Discounting Factor Net Monthly Expenses Current Annual Expenses Present Age of Spouse Life Expectancy of Spouse Remaining Life of Spouse Inflation Rate Net Tax on Investment Income Investment Returns on insurance claim/corpus Net Returns Cover Required for Future Expenses of Family 25,000 10000 35,000 0% "Insured Person" is alive but disabled 35,000 420,000 30 80 50 6.00% 0.00% 10.38% 4.13% 9,197,843 1,301,392 1,301,392 307,726 595,320 224,258 1,127,304 0 234,000 0 0 234,000 Amount Remarks/Notes

Step V

Total Accidental Disability Insurance Required

11,860,539

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Financial Plan for Mahesh and Family

Step VI

Resources Available Total Accidental Disability Insurance Sum Assured (Existing Policies, if any) Total Investment Assets Current Value Present Value of Future Earnings by Spouse Total Resources Available 0 3,000,000 0 3,000,000 8,860,539

Step VII

Additional Accidental Disability Insurance Cover Required

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Financial Plan for Mahesh and Family

General Insurance Cover

S.No Type Insurance Cover (Recommended) 300,000 For Remarks/Notes Family floater policies are recommended for their low cost. Comprehensive policy inlcuding statutory third-party cover is recommended.

Health Insurance

Family Personal Vehicle

Motor Insurance

IDV of the vehicle

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Financial Plan for Mahesh and Family

Appendix

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Financial Plan for Mahesh and Family

Your Risk Profile

Sr. No. 1 Instrument How familiar are you with the investment markets and share investments? Equity assets can counter the eroding effect of inflation but is risky in short-term. Which of the following risk/return scenarios would you be most comfortable with? What would you do if your investment dropped in value from an initial Rs.1,000 to Rs.850 If you were investing in a share portfolio, which of the following would suit you best? Aggressive Answer b Points 6

10

Profile is

Score is

40

Asset Allocation Score 0-20 21-30 31-50 Conservative Moderate Aggressive Risk Profile Category Debt 75%-100% 20%-40% 0%-20% Equity 0%-25% 60%-80% 80%-100%

Suitable Mutual Fund Types* MIP Balanced Funds Equity Funds

* Applicable only for normal investors and not for special investors such as Shariah investors

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Utilization of Retirement Corpus

Age 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 Corpus 27,139,168 28,157,758 29,170,871 30,170,905 31,149,010 32,094,922 32,996,784 33,840,945 34,611,730 35,291,194 35,858,832 36,291,270 36,561,912 36,640,545 36,492,908 36,080,197 35,358,526 34,278,321 32,783,643 30,811,436 28,290,692 25,141,516 21,274,087 16,587,506 10,968,505 4,290,018 -3,590,411 -12,832,403 -23,614,710 -36,137,410 Income / Expense 1,753,763 1,858,989 1,970,528 2,088,760 2,214,086 2,346,931 2,487,747 2,637,011 2,795,232 2,962,946 3,140,723 3,329,166 3,528,916 3,740,651 3,965,090 4,202,996 4,455,175 4,722,486 5,005,835 5,306,185 5,624,556 5,962,030 6,319,752 6,698,937 7,100,873 7,526,925 7,978,541 8,457,253 8,964,688 9,502,570 Balance 25,385,405 26,298,769 27,200,342 28,082,145 28,934,924 29,747,991 30,509,037 31,203,933 31,816,498 32,328,248 32,718,109 32,962,104 33,032,995 32,899,894 32,527,818 31,877,201 30,903,351 29,555,835 27,777,808 25,505,251 22,666,136 19,179,486 14,954,336 9,888,569 3,867,632 -3,236,907 -11,568,952 -21,289,656 -32,579,398 -45,639,980 Balance Growth 28,157,758 29,170,871 30,170,905 31,149,010 32,094,922 32,996,784 33,840,945 34,611,730 35,291,194 35,858,832 36,291,270 36,561,912 36,640,545 36,492,908 36,080,197 35,358,526 34,278,321 32,783,643 30,811,436 28,290,692 25,141,516 21,274,087 16,587,506 10,968,505 4,290,018 -3,590,411 -12,832,403 -23,614,710 -36,137,410 -50,624,345

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Data Gathering Form

Data Gathering Form

for

Financial Plan
Guidelines for filling the form Fill the form under the guidance of a Certified Financial Planner (CFP Certificant) Fill out this questionnaire accurately and completely to the best of your knowledge. Involve your spouse in the data gathering process. Mention NA (Not Applicable) for questions that do not relate to your circumstances. Present & Provide photocopy of documents wherever required.

Confidentiality of Data & Documents As a CFP Certificant, I abide by FPSB India's Code of Ethics including Confidentiality Clause. Also, I shall ensure safety and protection of client data & documents.

Sections of the Form 1 2 3 4 5 6 7 8 9 10 9 10 11 12 Personal Details Family Details Communication Details Major Needs: Children's Future, House Purchase, Car Purchase, Retirement Corpus Other Needs Family Income Family Expenses Assumptions Assets Liabilities Your Risk Profile Scope of Work Quotation of Financial Planning fees Declaration & Documents

Data Gathering Meeting Details Client Name Planner Name Mahesh Peddareddy Rajasekhar, CFP Date (dd/mm/yy) Client Code 02/Dec/2011 001

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Data Gathering Form

Personal Details
Particulars Name Work Details Designation Company Date of Birth (dd/mm/yy) Current Age Husband Mahesh
Salaried employee employee Salaried

Wife Parvathi
Homemaker Homemaker

Technical Managerr Mobitel 21-Jun-76 35

N.A N.A 12-Jan-82 30

Family Details
Particulars Name Current Status Financially Dependent
Date of Birth (dd/mm/yy)

Child-1 Lavanya
Pre-school

Child-2 0
N.A

Pre-school Yes 29-Sep-06 5

N.A N.A N.A 0

Yes

N.A

Current Age

Other Dependents
Particulars Name Relationship Financially Dependent
Date of Birth (dd/mm/yy)

Dependent-1 Lalitha Kumari

Mother

Dependent-2 0
N.A

Mother Yes 9-Jul-45 66

N.A N.A N.A 0

Yes

N.A

Current Age

Communication Details
Particulars Mobile No. Email ID Communication Address Mahesh 9034503433 Parvathi 9052654534

mahesh@gmail.com
Plot No.22 Navyug Enclave

parvathi@gmail.com
Begumpet Hyderabad

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Data Gathering Form

Major Needs
Children's Future Child-1 Name Need Age at Need Current Cost Priority (H/M/L) Graduation 18 1,000,000
High High N.A

Lavanya Post Graduation 22 0 N.A Marriage 25 500,000

High High N.A

Others N.A N.A N.A

Children's Future Child-2 Name Need Age at Need Current Cost Priority (H/M/L)
N.A

0 Graduation 18 0 N.A
N.A

Post Graduation 22 0 N.A

N.A

Marriage 25 0 N.A
N.A

Others N.A 0 N.A

House Purchase Area (in Sq Ft) Current Rate per Sq Ft Additional Costs(in %) Total Cost N.A N.A N.A N.A No. of Years Loan Funding (%) Down Payment (%) Priority (H/M/L)
N.A

N.A N.A N.A N.A

Car Purchase Current Cost Additional Costs (in %) Total Cost (On-road price) Or Min-Max Price Range N.A N.A N.A N.A No. of Years Loan Funding (%) Down Payment (%) Priority (H/M/L)
N.A

N.A N.A N.A N.A

Retirement Corpus Name Plans of Early Retirement Retirement Age Life Expectancy
No

Mahesh No 60 80
No

Parvathi No 60 80

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Data Gathering Form

Other Needs
Need Old-age Illness International Vacation Home Renovation Holiday Home Purchase Capital for New Business Family Gift Charity Child-birth Expenses Estate for Children Others
Yes Yes N.A N.A

Yes/No Yes Yes N.A N.A N.A N.A N.A N.A N.A N.A

Timeframe 25 5 N.A N.A N.A N.A N.A N.A N.A N.A

Current Cost 500,000 300,000 N.A N.A N.A N.A N.A N.A N.A N.A

Priority (H/M/L)
Medium Medium

Low

Low N.A N.A N.A N.A N.A N.A N.A N.A

N.A N.A
N.A

N.A
N.A N.A N.A N.A N.A

N.A
N.A

N.A N.A N.A

Family Income
Benefits Monthly Take-home salary/income Average annual increment expected Latest EPF Contribution amount Latest EPF Balance amount Latest Superannuation Contribution amount Latest Superannuation balance amount Working since (in years) Mahesh 100,000 5% 0 0 0 0 0 5 0% 0 0 0 0 0 Parvathi 0 0

Family expenses
Particulars Food & Grocery House Rent House Maintenance / Repair Conveyance, Fuel & Maintenance Medicines / Doctor / Healthcare Electricity / Water / Labour / AMCs Mobile / Telephone / Internet Household Expenses Clothes & Accessories Monthly 10,000 9,000 1,000 2,000 1,000 1,000 1,000 25,000 2,000 Annual 120,000 108,000 12,000 24,000 12,000 12,000 12,000 300,000 24,000 25% % of Income

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Shopping, Gifts, Whitegoods, Gadgets Dining / Movies / Sports Personal Care / Others Travel & Annual Vacations Lifestyle Expenses Children's Schooling/College Expenses Contribution to Dependents Dependent Expenses 2,000 2,000 2,000 2,000 10,000 2,000 8,000 10,000 24,000 24,000 24,000 24,000 120,000 24,000 96,000 120,000 10% 10%

Assumptions
Retired Life Expenses as % of Pre-retirement Life Expenses Economic Inflation 100 6 100% 6%

Assets
Particulars Savings Bank/Cash in Hand Receivables from Friends & Family Total Liquid Assets Fixed Deposits PPF (Public Provident Fund) Balance EPF Balance Superannuation Balance Gratuity Eligibility NSC / POMIS / KVP / RDs etc Debt Mutual Funds Bonds/Debentures/CDs Total Debt Assets Direct Equity Equity Mutual Funds Total Equity Assets Gold / Silver (ETFs/Bars/ Coins) Real Estate Investments Excluding Primary Residence Mahesh 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1,000,000 2,000,000 Parvathi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Joint/Others 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Total Investment Assets

3,000,000

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Liabilities
Particulars Home Loan Outstanding Balance Vehicle Loan Outstanding Balance Personal Loan Outstanding Balance Any Other Loan Outstanding Balance Mahesh 0 234,000 0 0 Parvathi 0 0 0 0 Joint/Others 0 0 0 0

Your Risk Profile

1) How familiar are you with the investment markets and share investments? Very little understanding or interest. Have enough experience to understand the importance of diversification. Know that markets fluctuate & different assets have different risk-return profile Understand all investment sectors & know various factors influencing performance. 2) Equity assets can counter the eroding effect of inflation but is risky in short-term. I dont know what inflation is Inflation may erode my savings but I have no tolerance for loss. I am conscious of the risks inflation presents, but would prefer a middle ground. I am comfortable with this trade off to beat inflation. 3) Which of the risk/return scenarios would you be most comfortable with? Low risk/return (maximum return 6% pa, minimum return 4% pa) Moderate risk/return (maximum return 9% pa, minimum return 2% pa) Above average risk/return (maximum return 12% pa, minimum return -2% pa) High risk/return (maximum return 18% pa, minimum return -16% pa) 4) Your reaction if your investment dropped from an initial Rs 1,00,000 to Rs 80,000? Move the entire investment to cash Move some of the investment to cash Give it some more time Invest more 5) If you were investing in a shares, which of the following would suit you best? I am not interested in shares A blue chip portfolio which pays regular dividends A mixture of large cap & mid cap shares A portfolio of shares whose value could rise or fall dramatically
c c c

b a b c d c a b c d c a b c d

d a b c d c a b c d

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Scope of Work
Further to the Data Gathering Meeting held, we shall be covering the following in your Financial Plan to give you recommendations on Investment and Insurance actions based on Needs-Oriented Analysis; Investment Plan Your Needs Children's Future House Purchase Car purchase Retirement Corpus Old-age Illness International Vacation Home Renovation Yes/No Yes No No Yes Yes Yes N.A Your Needs Holiday Home Purchase Capital for New Business Family Gift Charity Child-birth Expenses Estate for Children Others Insurance Plan Type Life Insurance
Yes

Yes/No N.A N.A N.A N.A N.A N.A N.A

Remarks

Yes/No Yes

Type General Inusurance

Yes

Yes/No Yes

Remarks

Quotation of Financial Planning Fees

Please check all the above details once again and confirm. (Yes/No) Based on the above scope of work we shall be charging you the following Professional Fee. The Financial Plan document will be created and delivered to you as soon as possible. If satisfied with the plan, kindly issue the cheque in the name of "Valueraj Advisors Private Limited" within one week of receiving the document. If not satisfied, please provide your comments/feedback so as to make appropriate amendments. Particulars Professional Fee for above mentioned scope of work Service Tax @ 10.3% Total Amount Planner Signature Planner Name Place Date Amount Rs. 0 Rs. 0 Rs. 0 No No

Declaration & Document Submission

I understand that the Financial Plan prepared and the recommendations provided in the plan will only be as accurate as the data and documents that has been collected during this data gathering meeting. I declare that to the best of my knowledge, the information & documents provided is complete and accurate.

Client Signature Client Name

Place Date

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