1. Private and Confidential ARB Financial Consultants
Strictly Private & Confidential
Comprehensive Financial Planning Service
Planning for MR.Kumar & Family
For Planning year July -2011
CM
Plan By : Ashish Ramesh Bhave CFP Page 1 of 37

2. Private and Confidential ARB Financial Consultants
Disclaimer
A Financial Plan is a generic direction to your cash flows 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 goals and add new goals.
Therefore this Financial Plan and the Cashflows depicted in it should be used to give you a long term
direction for managing your personal finances while taking immediate actions as a step towards
accomplishing your financial objectives.
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
consideration with the planner.
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. The planner 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. Neither the authorized representative nor the company guarantees the performance or return of
capital on any of these investments. 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 any 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
needful.
Disclosure
If the product recommendation are implemented through us, we would receive applicable brokerage from
all/some the investments 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.
CM
Plan By : Ashish Ramesh Bhave CFP Page 2 of 37

3. Private and Confidential ARB Financial Consultants
Scope of Work For Comprehensive Financial Planning consultancy Service.
Further to the Data Gathering Meeting held, we shall be covering the following in the your Personal Financial Plan to give you
Financial Planning Recommendations & a Goal-Oriented Investment Strategy;
Life Goals Yes/No
Insurance Planning (HLV - Income replacement Method ) Yes
Contingency Planning & Funding Yes
Children Higher education & Marrige Exp. Planning Yes
Retirement Planning Yes
Purchase of House Yes
Purchase of Car Yes
International Vacation Yes
Others Yes
Analysis Yes/No
Inflow/Outflow Yes
Assets/Liabilities Yes
Life Cashflows & Goal feasibility study Yes
Insurance Policies Yes
Mutual Funds Yes
Equity Portfolio Yes
Debt Instruments Yes
Others Yes
Plan By : Ashish Ramesh Bhave CFPCM Page 3 of 37

4. Private and Confidential ARB Financial Consultants
ARB's
Data & ARB Recommendation
CM
Plan By : Ashish Ramesh Bhave CFP Page 4 of 37

5. Private and Confidential ARB Financial Consultants
Personal & Dependent Details
Today's Date 19-Jul-11
Particulars Self Spouse
Title(Mr,Mrs,Ms) Mr. Mrs. Mr.
First Name Kumar Kumari Mrs.
Gender Male Female
Date of Birth 18-Sep-76 10-Sep-77 Male
PAN No. KYC complied ? Yes Yes Female
Residential Status Indian Indian
State of Health Good Good Service Private
Critical illness? N Diabetis Service Govt.
Smoker? N N Self employed
Date of Marriage(if applicable) 15/2/1994 Professional
Occupation Service Housewife Housewife
Life Expectancy 85 85 Retired
NA
Dependent Details
Name of Dependent Date of Birth Relationship Occupation Health Status
Chiranjiv 21-Mar-05 Child -1 NA Good
End of page
CM
Plan By : Ashish Ramesh Bhave CFP Page 5 of 37

6. Private and Confidential ARB Financial Consultants
Income & Expenses details
Monthly Income
Income Head Self Spouse Total
Income from salary( NET/GROSS) 120000 60000 180000
Income from Business or Profession 0 0 0
Income from Other Sources 0 0 0
Gross Total 120000 60000 180000
Deductions if any 0 0 0
Net Income 120000 60000 180000
Growth in salary in % 9% 9%
Income from House property 0 0% 0
Total income 120000 60000 180000
Monthly Expenditure
Particulars Monthly Annual % of Income Inflation rate
Food & Grocery 15,000 1,80,000
House Rent / Maintenance / Repair 8,000 96,000
Conveyance, Fuel & Maintenance 5,000 60,000
Medicines / Doctor / Healthcare 1,000 12,000
Electricity / Water / Labour / AMCs 1,600 19,200
Mobile / Telephone / Internet 1,500 18,000
Household Expenses 32,100 3,85,200 18% 13%
Clothes & Accessories 2,000 24,000
Shopping, Gifts, Whitegoods, Gadgets 5,000 60,000
Dining / Movies / Sports 1,000 12,000
Personal Care / Others 0 0
Travel & Annual Vacations 5,000 60,000
Lifestyle Expenses 13,000 1,56,000 7% 13%
Children's Schooling/College Expenses 2,000 24,000
Contribution to Parents, Siblings etc 0 0
Dependent Expenses 2,000 24,000 1% 11%
Life Insurance (Term) 0 20,790
Mediclaim/PA/CI 0 3,988
Motor Insurance 250 5,000
Pure Insurance Premiums 250 29,778 0% 0%
Plan By : Ashish Ramesh Bhave CFPCM Page 6 of 37

7. Private and Confidential ARB Financial Consultants
Home Loan 1 EMIs 22,000 2,64,000
Home Loan 2 EMIs 0 0
Personal Loan EMIs 12,000 1,44,000
Loan Servicing 34,000 4,08,000 19% 0%
Net Outflows 81,350 10,02,978 45%
Savings (Inflows-Outflows) 98,650 11,83,800 55%
PF + VPF+PPF 0 0
Recurring Deposits (RDs) 0 0
Insurance Premiums (Investments) 25,000 3,00,000
Mutual Fund SIPs 8,500 1,02,000
Regular Monthly Investments 33,500 4,02,000 19%
Surplus (Savings-Investments) 65,150 7,81,800 36%
Customised Economic inflation 12.92% 47,100
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 7 of 37

8. Private and Confidential ARB Financial Consultants
Equity Investments
ARB's
Sr. No. Holder Script Market rate No of script Total value
Recommendation
1 Self ASHOK LEYLAND LIMITED 24.75 350 8,662.50 Sale
2 Self TATA CONSULTANCY SERVICES 965.00 25 24,125.00 Sale
3 Self HDFC BANK LIMITED 464.45 125 58,056.25 Sale
4 Self SATYAM COMPUTER SERVICES LIMITED 71.05 50 3,552.50 Sale
5 Self SHREE RENUKA SUGARS LIMITED 57.35 500 28,675.00 Sale
6
7
8
9
10
11
12
13
14
15
16
17
18
19
Note : These all the scripts to be sold in Phased manner to enter in Our proposed portfolio.
Total 123071
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 8 of 37

9. Private and Confidential ARB Financial Consultants
Mutual Funds
Sr. Option SIP Total Latest Present Locked in ARB's
Fund Name Holder Amount
No (gr./div.) Y/N Units NAV Value (Y/N) Recommendation
Equity & Hybrid MF
1 Birla frontline growth self yes 3,000 560.00 67.79 37,962 No Hold
2 Franklin India BLUECHIP growth self yes 3,000 140.552 215.76 30,325 No Sale
3 HDFC TOP 200 growth self no 25,000 110 212.46 23,370 No Sale
4 HDFC BALANCED growth self no 45,000 917.436 58.78 53,926 No Sale
5 HDFC MidCap Opportunities growth self no 30,000 1,890.96 16.83 31,819 No Hold
6
7
8
9
To be sold or switched as per the requirement of portfolio.
Total 1,06,000 1,77,402
Debt MF
1
2
3
4
Total 0 0
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 9 of 37

10. Private and Confidential ARB Financial Consultants
Retirement Related investments / Benefits
Current
Investment Investment Interest Date of ARB's
Sr.No Particulars On Name Accumulated Maturity Value
amount start date rate maturity Recommendation
value
1 PF Self 350000 00-Jan-00 9.50% 00-Jan-00 14,28,486.37
2 PF Spouce 125000 00-Jan-00 9.50% 00-Jan-00
3 PPF
4 PPF
5 PF
6 SA
7 Gratuity
8 PPF
9 PPF
10 PPF
11 PPF
12 PPF
13 PPF
14 PPF
15 PPF
16 PPF
Total 0 475000 1428486
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 10 of 37

11. Private and Confidential ARB Financial Consultants
Fixed Income Instruments
Current Coupon/ Passive
Invested Investment Date of ARB's
Sr.No Particulars Accumula Interest income Maturity Value
amount date maturity Recommendation
ted value rate p.a
1 bank FD 50,000.00 19-Apr-11 9.25% 06-Jul-12 55,871.00
2 bank FD 50,000.00 19-Apr-11 9.25% 06-Jul-12 55,871.00
3 bank FD 45,000.00 15-Jul-11 9.25% 30-Jul-12 49,497.00
4 bank FD 1,50,000.00 09-Oct-10 8.00% 08-Dec-12 1,78,077.00
5
6
7
8
9
10
11
12
13
14
15
16
Total 2,95,000.00 0 0 339316
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 11 of 37

12. Private and Confidential ARB Financial Consultants
Real Estate Investments
Willing to ARB's
Purchase Purchase Passive
Sr.No Type of Property Present Value On loan Liquidate recomme
Value Date income
(Y/N) ndation
1 Resi House 25,00,000 01-Jan-00 45,00,000 yes No
2 Land 2,50,000 01-Jun-08 4,00,000 no Yes Hold
3
4
5
6
7
8
9
Total 4900000 0
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 12 of 37

13. Private and Confidential ARB Financial Consultants
Tangible Asset Investments
Liquidatio
Willing to ARB's
Purchase Purchase Present n Liquidatio
Sr. No Particulars Liquidate Recommendati
Value Date Value Proportio n Amount
(Y/N) on
n
1 Car / Bike NA No
2 Car / Bike NA No
3 Car / Bike NA No
4 Car / Bike NA No
5 Jwellery NA No
6 Gold ETF's 25000 50000 y
7 eGold NA No
8 Gold physical NA No
9 Silver No
No
Total Value 50000
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 13 of 37

14. Private and Confidential ARB Financial Consultants
Liquid Assets
Sr No. Particulars Present Value ARB's Recommendation
1 Bank a/c 3,20,000.00
2 cash in Hand 10,000.00
3
4
5
6
7
8
9
10
11
12
13
14
15
Total 330000
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 14 of 37

15. Private and Confidential ARB Financial Consultants
Life Insurance
Name of Yearly Maturity Surrender Maturity ARB's
Sr No. Type Mode Date of Issue Cover
policy premium Date Value Amount Recommendation
Self
1 Endowment 0 Yly 5,113 11/09/90 11/09/15 1,00,000 1,30,000 Continue
2 Endowment 0 Yly 565 01/01/97 01/01/17 10,000 20,000 Continue
3 Endowment 0 Yly 6,409 04/01/97 04/01/17 1,00,000 1,25,000 Continue
4 Endowment 0 Yly 5,313 02/14/98 02/14/23 1,00,000 1,30,000 Continue
5 Endowment 0 Yly 10,224 06/07/01 06/09/25 2,60,000 Pension Continue
6 Endowment 0 Yly 20,790 03/05/11 03/05/27 30,00,000 0 Continue
Spouce
1 NAV ULIP HIGH NAV Yly 50,000 03/01/19
Total Premium 98414 3570000 0
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 15 of 37

16. Private and Confidential ARB Financial Consultants
Health Insurance
Company Individual / Insurance Cover Premium ARB's
Sr No. Type Date of Start
Name Family cover Amount Amount Recommendation
1 Mediclaim National 250000 Continue
2
3
4
5
6
7
8
9
Premium Total 0
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 16 of 37

17. Private and Confidential ARB Financial Consultants
General Insurance
ARB's
Policy Policy Policy Date of Premium Claims (
Sr No. Valid Upto Insured Amount Recommenda
Name Type Holder Commencement Amount if any )
tion
1
2
3
4
5
6
0
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 17 of 37

18. Private and Confidential ARB Financial Consultants
Liabilities
No.of
Current rate of Balance
Sr.No Liability Type Borrers Name. Current EMI installments ARB's Recommendation
interest p.a Outstanding
Remaining
1 Housing Loan 1 8.25% 22,000 200 2387100 Continue
2
3
4 Personal loan 12000 12 144000 Continue
5 Personal loan 0
6 Credit Card Debt 0
7 Credit Card Debt 0
8 Other loans 0
9 0
Total 34000 2531100
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 18 of 37

19. Private and Confidential ARB Financial Consultants
Financial assessment & Goals quantification
CM
Plan By : Ashish Ramesh Bhave CFP Page 19 of 37

20. Private and Confidential ARB Financial Consultants
Financial Objectives
Particulars Present value of expenses At Age Years till expenses Priority
Child 1 Education Chiranjiv
Graduation 1000000 18 High
MS 1000000 23 High
Marriage 500000 27 Medium
Others NA
Child 2 Education 0
Retirement
At Age 55 Maintining Std. of living High
Medical corpus 400000 High
International Tours
Europe Tour 400000 5 5 Low
Car Frequency of Change For first Such Exp. After
Car 1 500000 8 3 Low
Car 2 0 0 0
Child's Business seed capital
Plan By : Ashish Ramesh Bhave CFPCM Page 20 of 37

21. Private and Confidential ARB Financial Consultants
Data & Assumptions For Financial plan structuring
Particulars Self Spouce
Name Kumar Kumari
Date of Birth 18-Sep-76 10-Sep-77
Current Age 35 34
Retirement Age 55 55
Life Expectancy 85 85
% Income Increase 8% 10%
Dependents
Particulars Child-1 Child-2 Father Mother
Name Chiranjiv NA NA NA
Date of Birth 21/03/2005 NA NA NA
Current Age 6 NA NA NA
Growth rate assumptions
Real estate Auto. International tour Education Rental Income
14% 4% 11% 11% 6%
Returns Assumptions
Investment
Aggressive Coutious Conservative Protective
Strategy
Expected returns 16% 12% 10% 8%
Other Assumptions
Plan Date
19/07/2011
Inflation Post Post tax return post
Economic Inflation
retirement retirement
13% 8% 9%
CM
Plan By : Ashish Ramesh Bhave CFP Page 21 of 37

22. Private and Confidential ARB Financial Consultants
Networth Statement
Particulars Total Percentage
Residential Property 45,00,000
Vehicle 0
Jewellery 0
Inheritance of Wealth 0
Others 0
Personal Assets 4500000 71%
Savings Bank/Cash in Hand 3,30,000
Receivables 0
Total Liquid Assets 330000 5%
Fixed Deposits 2,95,000
PPF (Public Provident Fund) 4,75,000
EPF + Superannuation +
0
Gratuity
NSC / POMIS / KVP / RDs etc 0
Debt Mutual Funds 0
Traditional Insurance Policies
0
SV
Bonds/Debentures/CDs 0
Total Debt Assets 770000 12%
Direct Equity 1,23,071
Equity & Hybrid Mutual Funds 1,77,402
Unit-linked Insurance Policies
0
SV
Total Equity Assets 300473.1875 5%
Gold/Silver (ETFs, MF, Bars) 50000 1%
Real Estate 400000 6%
Total Assets 6350473.187 100%
Home Loan 23,87,100
Vehicle Loan 1,44,000
Personal Loan 0
Total Liabilities 2531100
Networth (Assets-Liabilities) 3819373.187
CM
Plan By : Ashish Ramesh Bhave CFP Page 22 of 37

23. Private and Confidential ARB Financial Consultants
Networth % Networth
Networth 38,19,373 60%
Total Liabilities 25,31,100 40%
Total Assets 63,50,473 63,50,473
38,19,373
25,31,100
ARB's Comment : The Solvency ratio is very Good .
Requested to maintain the same.
Networth Total Liabilities Total Assets
Monthly Cashflow %
Monthly Income 1,80,000 100%
Monthly Cashflow
Monthly Exp. 81,350 45%
1,80,000
Investable Surplus 98,650 55%
98,650
81,350
ARB's Comment : The expenses are with in the
limits & investment surplus ratio is healthy, a good
sign.
Monthly Income Monthly Exp. Investable Surplus
CM
Plan By : Ashish Ramesh Bhave CFP Page 23 of 37

24. Private and Confidential ARB Financial Consultants
Existing investment portfolio %
Debt 11,00,000 59% Existing investment portfolio
Equity 3,00,473 16%
Commodity 50,000 3%
Real estate 4,00,000 22%
Total Assets 18,50,473 100%
Real estate
Commodity 22%
3%
ARB's Comment : The Investment portfolio is slightly tilted Equity Debt
towards Debt , less exposure to commodity. 16% 59%
Current Income - Expenses distribution %
Income 1,80,000 100%
Household
32,100 18%
Expenses Current Income - Expenses distribution
Lifestyle Expenses 13,000 7%
Dependents
2,000 1%
Expenses 18% Household Expenses
Pure Insurance
250 0% Lifestyle Expenses
Premiums 36%
7% Dependents Expenses
Loan Servicing 34,000 19%
Regular Pure Insurance Premiums
1%
33,500 19% Loan Servicing
Investments 0%
Surplus 65,150 36% Regular Investments
19%
Surplus
19%
ARB's Comment : Proportion to House hold , Life style ,Loan
servising to Income is with in the limits.
Plan By : Ashish Ramesh Bhave CFPCM Page 24 of 37

25. Private and Confidential ARB Financial Consultants
Life insurance need analysis
Type Discription Present value of Financial goals
Child Education 3066309.185
Retirement 7591947.235
Goals
Contingency Fund 6,38,100.00
Other goals 28,20,248.20
Household Exp. 75,52,113.05
Life style Exp. 30,58,488.15
Liabilities
Loans 25,31,100.00
Total liability 27258305.82
Existing life cover (Post
35,70,000.00
surrendered policies)
Existing Asset 6,80,473.19
Additional required 23007833
Life insurance need analysis
Existing life cover
(Post surrendered
policies)
13%Existing Asset
3%
Additional required
84%
CM
Plan By : Ashish Ramesh Bhave CFP Page 25 of 37

26. Private and Confidential ARB Financial Consultants
Contingency Fund
Particulars Amount
Current Monthly Expenses
Household Exp. 32,100
Life style exp 13,000
Commited Exp. 2,000
Insurance premiums 25,250
Loan EMI 34,000
Total Monthly Expenses 1,06,350
Contingency Funding Requirement
Contingency Period (No. of Months) 6
Contingency Funds 6,38,100
Planners Comment : This is the Fund which is required to be maintained in the
easily accassable form. This will help a Family to Sustain in any type of
contingency.
Plan By : Ashish Ramesh Bhave CFPCM Page 26 of 37

27. Private and Confidential ARB Financial Consultants
Child's Education.
Children's Future
Child-1 Name Child 1
Goal Graduation Post Graduation Marriage Others
Goal @ Age 18 23 27 NA
Years to Goal 12 17 21 NA
Current Value 10,00,000 10,00,000 5,00,000 0
Year OF Goal 17/03/2023 15/03/2028 14/03/2032 NA
Future value of
3379488 5694633 4322427 NA
Goal
Children's Future
Child-2 Name Child 2
Goal Graduation Post Graduation Marriage Others
Goal @ Age 0 0 0 0
Years to Goal #VALUE! #VALUE! #VALUE! #VALUE!
Current Value 0 0 0 0
Year OF Goal #VALUE! #VALUE! #VALUE! #VALUE!
Future value of
#VALUE! #VALUE! #VALUE! #VALUE!
Goal
Plan By : Ashish Ramesh Bhave CFPCM Page 27 of 37

28. Private and Confidential ARB Financial Consultants
Car Purchase Planning
Car 1
Today's price Funture Projected
Year to buy Year Count
of a Car price of a car
21-Jul-12 500000 562432 3
19-Jul-20 500000 769727.0282 11
17-Jul-28 500000 1053424.588 19
15-Jul-36 500000 1441684.288 27
Car 2
Today's price Funture Projected
Year to buy Year Count
of a Car price of a car
0 #VALUE!
Plan By : Ashish Ramesh Bhave CFPCM Page 28 of 37

29. Private and Confidential ARB Financial Consultants
Retirement Planning
Particulars Amount Remarks/Notes
Current Expenses
Household Exp. 32,100
Life style exp. 13,000
Addition/Deduction (Vacations,
2,000
Insurance etc)
Total Monthly Expenses 47,100
Total Annual Expenses 5,65,200
Future Expenses at Retirement
Retirement Age 55
Reduction is considered as family
Reduction in Exp. 20%
size will reduce to 2 from 3
Inflation 10%
No. of Years for Retirement 20
Retirement Year 5-Sep-31
Expenses in the First Year of
30,84,298
Retirement
Corpus Required to Fund Retirement
Expenses
No. of Years in Retirement 30
Inflation during Retirement Years 8.00%
Tax adjusted Investment Returns on
9.00%
Retirement Corpus
Net Returns 0.93%
Retirement Corpus Required
8,05,03,470
considering rental income
Medical corpus
Amount at present value 4,00,000
Inflation 13%
Amount at the time of retirement 46,21,238
Total Corpus required
Retirement Fund ( Cost of living ) 8,05,03,470
Medical corpus 46,21,238
Total 8,51,24,708
CM
Plan By : Ashish Ramesh Bhave CFP Page 29 of 37

30. Private and Confidential ARB Financial Consultants
International Tours
Today's price of a Funture
Year to tour Year Count
Tour Projected price
17-Jul-16 400000 674023 5
16-Jul-21 400000 1135768.394 10
15-Jul-26 400000 1913835.795 15
14-Jul-31 400000 3224924.614 20
12-Jul-36 400000 5434185.521 25
11-Jul-41 400000 9156918.629 30
Plan By : Ashish Ramesh Bhave CFPCM Page 30 of 37

31. Private and Confidential ARB Financial Consultants
Other Goals
Funture
Today's Year
Plan For Year Of Goal Projected
Amount Count
Amount
0 0-Jan-00 0 0 0.00
0 0-Jan-00 0 0
0 0-Jan-00 0 0
0 0-Jan-00 0 0
0 0-Jan-00 0 0
0 0-Jan-00 0 0
0 0-Jan-00 0 0
0 0-Jan-00 0 0
0 0-Jan-00 0 0
Plan By : Ashish Ramesh Bhave CFPCM Page 31 of 37

32. Private and Confidential ARB Financial Consultants
Financial Planners Summary
CM
Plan By : Ashish Ramesh Bhave CFP Page 32 of 37

33. Private and Confidential ARB Financial Consultants
Planners Comment - Planning year July 2011
Future value of
Sr. No Goals Goal can be achived
Goal
Child 1 Education
1 Graduation 33,79,488 Yes Successfully
2 MS 56,94,633 Yes Successfully
3 Marriage 43,22,427 Yes Successfully
4 Others NA
Child 2 Education
1 0 NA Yes Successfully
2 0 NA Yes Successfully
3 0 NA Yes Successfully
4 0 NA Yes Successfully
Retirement
1 Retirement Fund 8,51,24,708 Yes Successfully
International Tours
1 Europe Tour 6,74,023 Yes Successfully
2 Europe Tour 11,35,768 Yes Successfully
3 Europe Tour 19,13,836 Yes Successfully
4 Europe Tour 32,24,925 Yes Successfully
5 Europe Tour 54,34,186 Yes Successfully
6 Europe Tour 91,56,919 Yes Successfully
Car
1 Car 1 5,62,432 Yes Successfully
2 1 st change 7,69,727 Yes Successfully
3 2nd change 10,53,425 Yes Successfully
4 3rd change 14,41,684 Yes Successfully
CM
Plan By : Ashish Ramesh Bhave CFP Page 33 of 37

34. Private and Confidential ARB Financial Consultants
Immidiate Corrective actions - Planning year July 2011
Sr. No Discription Need Calculation criteria Amount / Action to take
Financial plan - Portection system
This is the fund required 6 X (monthly Household Exp +
Rs. 638100/- to be maintained (
as a support to Families Monthly Life style exp. + Monthly
Contingency Fund 50% in Savings Flexi Fix a/c &
requirements in commited Exp. Like insurance
remaining in FD )
emergencies. premiums, EMI Etc.)
Contingency
To protect our existing
Medical Insurance The Life style of Individual & Age. Continue with existing plan
asset.
Accidenental & To protect our existing For earning member in the family. SA : 7500000/- to Self & 4500000
General
Disability Policy asset. Monthly income X 75 for spouce
Insurance
2 wheeler Plolicy To protect liability Third party liability insurance. As per company rules.
Creation of Fund to take care of Basic Additional SA of Rs. 66 lac& 33 lac
To protect the important
Term insurance Financial Goals & liabinities - Existing to you & your spouce each for 10 &
financial goals & liabilities
life insurance. 20 years duration
Life insurance
Financial Plan - Existing Investment
Investments to be made
Life insurance Yield from investment Continue all the policies
in Efficient way
ent
Fixed
Income
instrum
PPF Self NA NA NA
Plan By : Ashish Ramesh Bhave CFPCM Page 34 of 37

35. Private and Confidential ARB Financial Consultants
Investment strategy - Planning year July 2011
Investment Statistics
Existing Financial Asset 6,80,473
Goals Funding for current year. 6,38,100
Net asset 42,373
Income in this year - regular exp. 8,57,022
Total investable surplus 8,99,395
Reserves to be maintained in short term deposits
1,79,879
timing market
Available funds for regular investment 7,19,516
investment Product recommnendation
Products SIP Amount Yearly amount Remarks
HDFC Equity Fund 6000 72,000
DSPBR Equity Fund 6000 72,000
IDFC Premier equity 13000 1,56,000
Fund
HDFC Midcap 8000 96,000
Opportunities Fund
Canara Robeco 5400 64,800
emerging Equity
ICICI Pru Dynamic Fund 5400 64,800
Birla Divident Yield Plus 3600 43,200
DSPBR Micro cap fund 3000 36,000
SBI Gold ETF 3,000 36,000
Total Equity & Gold 6,40,800
Bank FD
Nationlised Bank 3,19,050 50% of Contingency Fund
Savings A/C with Auto
3,19,050 50% of Contingency Fund
sweep facility
Nationlised Bank 72,000 Debt Portion of asset
allocation
Nationlised Bank 1,79,879 Reserves to time market
Total Debt 8,89,979
CM
Plan By : Ashish Ramesh Bhave CFP Page 35 of 37

36. Private and Confidential ARB Financial Consultants
Investment strategy - Planning year July 2011
Asset Class Amount investment % Distribution
Large cap Equity 144000 16%
Midcap Equity 316800 35%
Small cap Equity 36000 4%
Opportunity Equity 108000 12%
Gold 36000 4%
Debt 72000 8%
Reserves to time market 179879.0375 20%
Total 892679.0375 100%
Investment strategy - Planning year July 2011
Reserves to time Large cap Equity
market 16%
20%
Debt
8%
Midcap Equity
Opportunity Equity 36%
12%
Gold
4%
Small cap Equity
4%
CM
Plan By : Ashish Ramesh Bhave CFP Page 36 of 37

37. Private and Confidential ARB Financial Consultants
Financial plan Prepared by
Ashish Ramesh Bhave. MBA. CFP CM
Contact Details :
Flat no . 33, 1535,Sadashiv peth , Tilak Road
Pune -411030
email : arbfinancials@gmail.com
Mobile : 8793107044
CM
Plan By : Ashish Ramesh Bhave CFP Page 37 of 37