Sample Comprehensive Personal Financial Plan in Excel with Entire Life Cash Flow, Child Future Planning, Future Need & Dream Planning, Retirement Planning, Investment Planning, Investment Analysis, Portfolio Rebalancing, All Life Insurance Policy Analysis including LIC's Plan, IRR Calculation, Mutual Fund Porttfolio Analysis, Mutual Fund Portfolio Rebalancing, Practical Asset Allocation with Scheme Removal / Addition. Also seek possibilities of early retirement. Income Tax Planning with Net Taxation Ratio on your Income. Instant Generated Financial Plan in Excel with Real time value of your all Financial Investment ( In Indian Context). If uou need more info, kindly mail me.

1. Strictly Private & Confidential
Comprehensive Personal Financial Planning Report of
Samir Patel & Family
Prepared by :
Satish Mistry ( Associate Financial Planner )
XL Finplan
2nd Floor, Washwell Chambers, Near Library Sayaji Road, Opp. Hotel Sauras, Navsari, Gujarat,
Mobile No.: 91-9725006862, E-mail : satish@xlfinplan.com
Website : www.xlfinplan.com

2. Investments
Estate Plan
Scope of Personal Financial Plan / Financial Objective ::
Based on the information's, we have obtained from you in quantitative or qualitative manner, we have analysed the same. This financial plan may provide guidance on your financial
objectives as you have mentioned during our conversation. The scope of financial plan is as follows :
Risk
Protection
Assessment of emergency funds need through short term cash flow.
Cash Flow
Analysis
Analysis of your current Income -Expense structure and certain assumption of rise-fall in income & expenses, assessment of future situation of cash flow
To protect your family through adequate life insurance. To meet the future expenses with future need or in minimum - replacement of your income to your family. Analysis of
your current Life Insurance Portfolio & basis on that how much life insurance to be required with efficient & cost effective future cash flow in your survival mode. To seek
adequate Health Insurance including analysis of current General Insurance Policies you have.
To make a Investment portfolio, which is easy to manage, can provide timely fund for required financial goals with cost effective management & optimum returns. Complete
analysis of Mutual Fund Investment Portfolio with recommendation to prepare efficient portfolio, which can earn better risk adjusted return & help to achieve future financial
goal smoothly & generate wealth. Also suggest & do analysis of with profit Life Insurance policies, Pension Plans, other Fixed Return Scheme like Post Office Scheme, Company
FD, NCD, FDR, Cash A/c. to maintain better liquidity, proper asset allocation with earn return in tax efficient manner.
Estate plan assessing the financial impact upon death and the disposition.

3. Goal Priority
Present Cost of
Goal OR Target
Goal Amount
Age at Goal
Start
Fund to be
required in Period
OR Year
Fund to be
required for
No. of Years
% wise Amt. wise Child Age
0 0 0% 0
High 25000 10% 12 2014 - To - 2016 3
High 65000 10% 15 2017 - To - 2020 4
High 100000 10% 19 2021 - To - 2023 3
High 150000 10% 22 2024 - To - 2026 3
0 0 0% 0
High 600000 6% 25 2027 1
0 0 0% 0
High 25000 10% 12 2014 - To - 2016 3
High 65000 10% 15 2017 - To - 2020 4
High 100000 10% 19 2021 - To - 2023 3
High 150000 10% 22 2024 - To - 2026 3
High 2000000 5% 25 2030 1
High 600000 6% 25 2027 1
Your Age
High 4000000 6% 48 2018 1
Medium 950000 8% 50 2020 1
High 50000 8% 52 2022 1
High 60000 8% 55 2025 1
0 0 0% 0
0 0 0% 0
Optional 5000000 6% 62 2032 1
Optional 5000000 0% 67 2037 1
Medium 25000 6% 50 2020 - To - 2032 Every 3 Year
0 50000 6% 62 2032 - To - 2050 Every 3 Year
0 0 0% 0
Your Age
High 6984881 60 2030 1
High 100000 10% 60 2030 1
High 10000000 5% 60 2030 1
Low 50000 6% 60 2030 1
Optional 100000 6% 60 2030 1
Inflation Effect -
Present Goal Amount
will rise @Rate
Retirement
Planning
Fund for - For Donation
Financial Goal Particulars
ChildFuturePlanning
Fund for - For Tour - Yatra
Fund for - Dream - Long Tour
Planning
For-Ankita
Patel
Planning
For-Nikunj
Patel
Fund for - Pre-Primary & Primary Education
Fund for - Funds to be required to provide regular expenses
from Retirement year onwards.
Fund for - For Medical Exp.
Fund for - Lumpsum Need
Fund for - Pre-Primary & Primary Education
Retirement
Corpus &
Provision
Fund for - Marriage Expenses
Fund for - Secondary & Higher Sec. Education
Fund for - Graduation & Higher Education
Fund for - Post Graduation & Master Degree
Fund for - For start in life
Fund for - Dream - Create Wealth
Fund for - Dream - Domestic Tour
Fund for - Need - Buying a New House
Fund for - Need - New Motor Car
Fund for - Need - New Activa Scooter for Ankita
Fund for - Need - New Motor Bike
Fund for - Marriage Expenses
Fund for - Post Graduation & Master Degree
Fund for - Secondary & Higher Sec. Education
Fund for - Graduation & Higher Education
FutureFinancialGoal
Fund for - Dream - Buying A Farm House
Future
Need
Future
Dream

4. Res.:
Cell :
State : Country:
State : Country:
Age : 43 No
60 No
80 Yes
Age : 38
60
80
Age
43
38
70
64
11
8
0
0
0
0000 0
00
Female
Male
Ankita Patel
0
Average
0
Doing Job Very Good 15/01/1970Self
Daughter
Son
Savitaben Patel
16/05/1942
24/10/1948Mother
Male Father
Nikunj Patel
Retired Above Average
Studying 25/03/2001
18/09/2004Studying Very Good
Retired
Samir Patel
Ekta Patel
Chhotubhai Patel
Male
Female
SuratWorking Field : Medical / Pharma Location / City :
Have you a habits of Smoking?
Retirement Planned at Age-Years Have you a habits of chewing Gutkha?
Life Expectancy : Years Have you a habits of drinking alcohol?
Birth Date : 15/01/1970
XYZ Pharma Co. Gujarat India
If in Job, Started Year 1995 Residential Status : Own
E-mail : samir@xlfinplan.com Location / City : Surat
Sex Male Gujarat India
93, Ashirwad,
Marital Status : Married Residential Address :
Education : M.Sc.
Current Status Health Status
Family / Dependant Information
Birth Date :
Retirement Planned at Age-Years
Life Expectancy : YearsSelf Employed
12/08/1974 If in Job, Started Year 2000
Working Status: Working
IfWorking,
GiveDetails
Working Field : Financial Services
Education : B.Com. Organisation : ABC Financial Co.
Job / Business?
Date of BirthName Sex Relationship
Personal & Family Information
Name : Samir Patel Office Address :
Contact No.:
0261-2324560 123, M. G. Road,
9879865432 0
Personal&FamilyInformation
Female Spouse / Wife Working Very Good 12/08/1974
Very Good
Organisation :
Job / Business? Doing Job Near Parle Point
Spouse Information
Name : Ekta Patel

5. Particulars Amount Rs. Particulars Outflow
613843 60%
Personal
Income 613843 Personal Expenses 40200
221859 22% Spouse Income 221859 Housing Expenses 156500
180000 18% Other Income 186000 Food Expenses 82600
0 Living Expenses 98100
0 Health Expenses 52500
0 Entertainment Expenses 61050
0 Loan Repayment 182400
6000 6000 Investment Outflow 321386
1021702
Outflow %
Cumulative
Outflow %
Surplus
Ratio%
40200 8%
156500 32%
82600 17%
98100 20%
52500 11%
61050 12%
490950
530752 52%
182400 18%
673350 66%
348352 34%
321386 31%
994736 97%
26966 3%
Total Outflow :
Food Expenses
Living Expenses
Regular Payment towards Loan EMI / Interest Payment
Surplus &
Investments Net Outflow (After Investment Commitment) :
Regular Investment Commitment from Surplus Amount :
Basic Surplus : ( Total Income - Total Expenses)
Net Total Income : ( Amount Rs.: )
RegularExpenses
Basic Surplus
& Loan
Repayment
RegularIncome
Yearly Amount Rs.
Total Expenses : ( Amount Rs.: )
1%
1021702
Current Expenses :
Health Expenses
Entertainment Expenses
As per
Annexure of
Detailed
Expenses
Sheet
Personal Expenses
Housing Expenses
48%
House Rent Income
Other Income
Interest Income from Advances / Loan Given
Other Income
Other Income
% of Total
Income
Agriculture Income etc.
Particulars
Present Situation, Findings & Analysis
Present : Cash Inflow -Outflow Analysis
Present Cash Flow Situation :
Personal Income / Business Income OR Salary Income
Spouse Income / Business Income OR Salary Income
Current Income :
Net Surplus available for Investments :
Net Balance ( + / - ) - C/F to Cash Account :
60%
22%
18%
Inflow
Personal Income Spouse Income
Other Income
Personal
Expenses
4%
Housing
Expenses
16%
Food
Expenses
8%
Living
Expenses
10%
Health
Expenses
5%
Entertainm
ent
Expenses
6%
Loan
Repayment
19%
Investment
Outflow
32%
Outflow
0
100000
200000
300000
400000
500000
600000
700000
2013
2015
2017
2019
2021
2023
2025
2027
2029
Basic Surplus : ( Total Income - Total Expenses)

6. 2500000 5% 0% Yes Yes Yes 200924 2299076
2500000 5% 0% 0 0 0 0 2500000
0 5% 0% 0 0 0 0 0
125000 0% 0% No No No 0 125000
200000 0% 0% No No No 0 200000
0 0% 0% 0 0 0 0 0
160000 0% 10% Yes Yes Yes 45127 114873
0 0% 0% 0 0 0 0 0
35000 0% 10% Yes No No 27823 7177
12000 0% 10% No Yes Yes 0 12000
0 0% 0% 0 0 0 0 0
400000 7% 0 No Yes 400000
0 5% 0% 0 0 0 0 0
0 5% 0% 0 0 0 0 0
0 5% 0% 0 0 0 0 0
0 5% 0% 0 0 0 0 0
1000000 5% 0% 0 0 Yes 0 1000000
0 5% 0% 0 0 0 0 0
200000 7% 0% 0 Yes 200000
0 7% 0% 0 0 0
0 7% 0% 0 0 0
7132000 273874 6858126
5000000 200924 4799076
932000 72950 859050
5932000 273874 5658126
1000000 0 1000000
200000 0 200000
1200000 0 1200000
7132000 273874 6858126
Movable Properties
Assetsworth&
Liabilities
Fixed Assets : : Grand Total Rs.::
Immovable Properties
Outstanding
Loan Amount
Rs.
Appreciation
(%)
Depreciation
(%)
Assets owner?
Wants to use for
goal funding?
Assets bought
on Loan?
Under Lien?
Residential Building / Flat
0
Investment
Purpose only
Commercial Land
0
Home Contents / Appliances
Home Contents / Appliances
Shop / Office Premises
Two Wheelers
Four Wheelers
Four Wheelers
0
0
0
Any Others
Appreciation
(%)
Holiday Home / Farm House
Gold / Silver / Ornaments
Immovable Properties
Agriculture Land
Personal
Purpose only
Gold / Silver / Ornaments
Total Amount Rs.:
0
0
Movable Properties
Immovable Properties
0
0
FixedAssets-
ForPersonal/Familyuse
Depreciation
(%)
Two Wheelers
Jewellery / Gold Ornaments
0
0
0Two Wheelers
0
Fixed Assets
( Investments Purpose Only )
0
0
0
Agriculture Land
0
0
Fixed Assets -
(Personal / Family Use )
Immovable Properties
Additional Residence / Flat
0
0
Shop / Office Premises
Movable Properties
Assets ( Personal & Investments )
Movable Properties
0
Furniture / Fixtures / Paintings
Total Amount Rs.:
Gold / Silver / Ornaments
Summary :
Assets Worth,
as of today?
Current Value
of Assets Rs.
FixedAssets-
InvestmentPurpose
Total Amount Rs.:

7. Asset Type Investment Current Value
Future
Investment
Commitment
Future
Income from
Investment
Surrender
Value / Cash
Value
Fixed OR
Estimated
Return (%)
Current
Allocation (%)
Weighted
Average Rate of
Return (%)
Cash 95,530 95,530 4.00%
90,000 85,500 8.00%
95,900 93,982 6.00%
- 281,430 - - 275,012 3.93% 5.96%
Debt 85,000 94,006 - - 84,605 9.69%
- - - - - 0.00%
350,000 353,171 - 69,333 317,854 9.79%
435,000 447,177 - 69,333 402,460 6.24% 9.77%
Debt 88,000 107,494 32,000 - 96,745 7.95%
500,000 500,000 - 123,750 450,000 9.00%
300,000 300,000 - 77,900 270,000 8.20%
75,000 109,585 - - 98,627 8.41%
150,000 165,798 - - 149,218 8.58%
40,000 47,646 - - 42,881 8.24%
1,153,000 1,230,523 32,000 201,650 1,107,471 17.18% 8.57%
Equity - 46,200 - - 34,650 18.00% 0.65% 18.00%
Equity - 956,418 3,264,000 - 860,776 15.00%
- 87,110 - - 78,399 15.00%
- - - - - 15.00%
- 20,937 - - 18,843 15.00%
Hybrid - 299,773 1,980,000 - 269,795 12.55%
- - - - - 10.00%
- - - - - 9.40%
Debt - - - - - 8.00%
- 1,364,237 5,244,000 - 1,227,814 19.05% 14.46%
Gold - - - - - 8.00%
200,000 180,000 7.00%
- 200,000 - - 180,000 2.79% 7.00%
Properties 1,000,000 800,000 5.0% 13.96% 5.00%
Debt 155,000 2,396,565 - 8.50%
125,000 174,000 - - - 8.00%
125,000 329,000 2,396,565 - - 4.59% 8.24%
Senior Citizen Savings Scheme
Real Estate & Other Properties
Gold / Silver- ( Coins / Bars / Ornaments)
Properties Investment
Post Office Scheme Public Provident Fund
Stock Market
Debt -Short Term, Income & G. Sec.
Kisan Vikas Patra
National Savings Certificates
Post Office - Time Deposits
Retirement Fund Retirement A/c. - Contribution (EPF / EPS)
Retirement Fund
Real Estate
Gold / Silver ( ETF / Coins / Bars )
Debt -Liquid
Bank FDR
Cash & Equivelant
Fixed Return Schemes
Bank & Company FDR / NCD's
Post Office Schemes
Direct Equity
Mutual Fund
Investments
Hybrid Fund - MIP
Bank Fixed Deposit : < 1 Year
Asset Category Scheme Category
Mutual Funds
Cash Account + Savings A/c. BalanceCash Account
Hybrid Fund - Balanced
Equity - Thematic & Others
Bank FDR
Post Office Monthly Income Scheme
Equity - Sectoral
Post Office Scheme
Bonds & NCD's
Post Office Recurring Deposit Scheme
Direct Equity
Equity - Diversified
Equity - Diversified -ELSS
Mutual Funds
Bonds / NCD's & Co. FD's
Bank Fixed Deposits > 1 Year
Company FD's
Hybrid Fund - Asset Allocation/Others
Mutual Funds Gold Funds / ETF

8. Asset Type Investment Current Value
Future
Investment
Commitment
Future Income
from
Investment
Surrender
Value / Cash
Value
IRR (%)
Debt 155,000 206,700 - 37,500 152,280 3.93%
- - - - - 0.00%
797,863 1,554,863 668,236 620,000 663,565 5.15%
198,000 360,000 22,000 - 288,032 5.16%
1,150,863 2,121,563 690,236 657,500 1,103,877 29.62% 5.04%
Equity 60,000 62,000 - - 58,000 8.28%
150,000 80,000 350,000 - 80,000 7.81%
- - - - - 0.00%
- - - - - 0.00%
210,000 142,000 350,000 - 138,000 1.98% 8.01%
7,162,131 8,712,801 928,483 5,269,284 100.00%
8.11%
Planner'sNote
Unit Linked Life Insurance / Pension Plan
Single Prem.-Unit Linked Pension Plan
Reg. Prem. -Traditional Life Insurance Plan
Reg. Prem.-Traditional Pension Plan
Single Prem.-Unit Linked Insurance Plan
Reg. Prem.-Unit Linked Insurance Plan
Your Investment Portfolio is growing @pre-tax return (Weighted Average Return)
Single Prem.-Traditional Pension Plan
Scheme Category
Reg. Prem.-Unit Linked Pension Plan
Life Insurance
Life Insurance Single Prem.-Traditional Life Ins.Plan
Investments
Asset Category
Traditional Life Insurance / Pension Plan

9. Current Asset Allocation Analysis :
Cash Debt Equity Gold Properties
Current Value 281430 4233184 1447517 200000 1000000
Surrender Value 275012 2708237 1306035 180000 800000
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
Cash
4%
Debt
59%
Equity
20%
Gold
3%
Properties
14%
Cash Debt Equity Gold Properties
Cash
Account
Bank
FDR
Mutual
Funds
Stock
Market
Bonds /
NCD's &
Co. FD's
Post
Office
Scheme
Life
Insuranc
e
Physical
Gold /
Funds /
ETF
Properti
es
Investm
ent
Retirem
ent
Fund
Current Value 95530 184006 1460138 46200 353171 1404523 2263563 200000 1000000 155000
Surrender Value 95530 170105 1321796 34650 317854 1107471 1241877 180000 800000 0
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
Cash Account
1%
Bank FDR
2%
Mutual Funds
20%
Stock Market
1%
Bonds / NCD's &
Co. FD's
5%
Post Office Scheme
20%
Life Insurance
32%
Physical Gold /
Funds / ETF
3%
Properties
Investment
14%
Retirement Fund
2%
Cash Account Bank FDR Mutual Funds
Stock Market Bonds / NCD's & Co. FD's Post Office Scheme
Life Insurance Physical Gold / Funds / ETF Properties Investment
Retirement Fund

10. Basic Sum
Assured
Paid Up Value
of Policy
Pension Plan
Value Rs.
15% 12% 9% Traditional Plan Samir Patel Ekta Patel Others
4791102 5780940 7126961 150,000 - - 206,700 - -
2043211 2559091 3311512 - - -
1,200,000 1,468,500 240,000 288,500 1,399,417 -
- 342,000 200,000
1,350,000 1,468,500 240,000 495,200 1,741,417 200,000
Unit Linked Plan
75,000 - 75,000 - - -
500,000 500,000 - - 334,180 -
- - -
- - -
575,000 500,000 75,000 - 334,180 -
500,000 500,000 - -
- - - -
- - - -
500,000 500,000 - -
11,228,375 13,696,527 17,113,715 2,425,000 2,468,500 315,000 495,200 2,075,597 200,000
Less :
7,480,191 9,248,496 11,713,140
@Return : 15% @Return : 12% @Return : 9%
Less : As per Income replacement 4791102 5780940 7126961
As per Expenses replacement 4632898 5705805 7189396
As per Need Analysis 11228375 13696527 17113715
Shortfall (If any) - As per Need Analysis-195228 -1963532 -4428176
7,284,964 7,284,964 7,284,964
195,228 1,963,532 4,428,176
For - Samir Patel
For - Ekta Patel
Available life cover shield
through Investments & Life
Insurance
1. As per Income
Replacement Concept
Required Life Insurance Cover as of today :
2. As per Expense
Replacement Concept
Present - Life Insurance Coverage - Details & Analysis
Existing Life Insurance Cover Details :
4632898 5705805 7189396
Present Death Benefit Value Rs.
Reg. Prem.-Pension Plan
Scheme Type
Single Prem.-Life Insurance
Reg. Prem.-Life Insurance
Single Prem.-Pension Plan
Reg. Prem.-Pension Plan
Pure Life Cover Term
Plan
Total Amount Rs.
Future Rate of Return in case of Death Claim
occurs as of today :
3848689 4469401
3748183 4448031
949249 949249
3. As Per Need Analysis
All Future Need for Child 2316162 3192784 4505670
Available Resources
Current Year / Immediate Exp.
& Need + O/s. Liabilities
949249
Future Family Expenses
( As above)
4632898 5705805 7189396
4816464
All Other Future Need for
Family
3330066
2468500 2468500 2468500
Shortfall of Life Insurance
Coverage (if any)
Required Net Life Insurance
Cover
Required Total Life
Insurance @various
scenario
Present Value of Spouse /
Other Income in Future
Surrender Value of All
Investments
4816464 4816464
Existing Death Benefit
Coverage - through Life
Insurance
Single Prem.-Life Insurance
Single Prem.-Pension Plan
Reg. Prem.-Life Insurance
5400576
@Return : 15% @Return : 12% @Return : 9%
As per Income replacement 4791102 5780940 7126961
As per Expenses replacement 4632898 5705805 7189396
As per Need Analysis 11228375 13696527 17113715
Shortfall (If any) - As per Need Analysis -195228 -1963532 -4428176
-10000000
-5000000
0
5000000
10000000
15000000
20000000
Life Insurance Need @various concept & scenario

11. Sr_No.
Outstanding
Loan Balance
Rs.
Outstanding
Period in
Months
Interest rate
today onwards
EMI Amount
Rs.
Outstanding -
Interest
Amount to be
paid
Outstanding -
Total Amount
to be paid
1 200,924 48 9.00% 5,000 39,076 240,000
2 45,127 24 29.00% 2,500 14,873 60,000
3 27,823 30 21.00% 1,200 8,177 36,000
4 74,483 22 18.00% 4,000 13,517 88,000
5 56,817 28 18.00% 2,500 13,183 70,000
6 40,000 0 0.00% 0 0 0
7 0 0 0.00% 0 0 0
8 0 0 0.00% 0 0 0
9 0 0 0.00% 0 0 0
10 0 0 0.00% 0 0 0
11 0 0 0.00% 0 0 0
12 0 0 0.00% 0 0 0
13 0 0 0.00% 0 0 0
14 0 0 0.00% 0 0 0
15 0 0 0.00% 0 0 0
445,174 15,200 88,826 494,000
Four Wheelers
Two Wheelers
0
0
Personal Assets
0
For Expenses / Other Need
0
0
0
0
0
0
Loan from Friend's / Relatives
0
0
0
0
0
0
For Expenses / Other NeedCredit Card Outstanding's
Credit Card Outstanding's For Expenses / Other Need
Residential Building / Flat
Assets Name Loan for?
Personal Assets
Personal Assets
Present - Outstanding Loan Liabilities Details :
0
0
0
0%
5%
10%
15%
20%
25%
30%
2012
2014
2015
2016
2017
2018
Loan Ratio - for Continue Existing Loan
Loan Ratio - with Self Earning Loan Ratio - with Total Income
0%
5%
10%
15%
20%
25%
30%
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
Loan Ratio - Continue Existing Loan with Planned Future Loan
Loan Ratio - with Self Earning Loan Ratio - with Total Income

12. Current
Valuation Rs.
Immediate
Liquidation
Value Rs.
Outstanding
Loan Amt. Rs.
5932000 4745600 273874
5932000 4745600 0
Current
Valuation Rs.
Surrender
Valuation Rs.
273874
281430 275012
447177 402460
1230523 1107471
46200 34650
1364237 1227814
200000 180000
1000000 800000
329000 0
2121563 1103877
142000 138000
7162131 5269284
75000 75000
Less : 445174 445174
12723957 9644710
Particulars Current Value Rs.:Surrender Value Rs.: Particulars Current Value Rs.:Surrender Value Rs.:
Assets 13169131 10089884 Assets 13169131 10089884
Liabilities 445174 445174 Liabilities 445174 445174
Net Worth 12723957 9644710
Fixed Assets
Total : Financial Investments :: Rs.:
Traditional Life Insurance / Pension Plan
Advances to Friends / Relatives / Others
Present Net Worh :: Amount Rs.:
For Fixed Assets : Personal Purpose
For Investment Purpose : Real Estate / Properties
( Indluding Immovable & Movable Properties)
Outstanding
Loan Amt. Rs.
( Land / Building /Flats /Vehicles/Home contents Etc.)
Outstanding Loan Liabilities
Post Office Schemes ( Excluding - PPF A/c.)
Direct Equity
Mutual Fund -( Excluding - Liquid Fund/Gold ETF)
Gold / Silver ( ETF / Coins / Bars )
Real Estate
Grand Total :: Assets :: Amount Rs.: 13169131 10089884
Loan Payment - EMI Mode -
( Personal Loan + Credit Card )
Financial Investments Outstanding Loan : On Fixed Assets -Rs.:
Net Worth Statement
Total : Fixed Assets :: Rs.:
For Personal & Family use
NetWorthStatementNetWorthStatementNetWorthStatementNetWorthStatement
Outstanding Loan :
(For Expenses & Other Need) -Rs.:
Liabilities
Loan from relatives / friends - Regular / Cum. Interest
Payment Liabilities for Expenses type Loan
Assets
Loan Payment Liabilities
Cash & Equivelant
Bank & Company FDR / NCD's
Retirement Fund - ( EPS / EPS / PPF)
Unit Linked Life Insurance / Pension Plan
40000
Grand Total : Liabilities :: Amount :: Rs.: 445174
171300
131300
Assets Liabilities Net Worth
Current Value Rs.: 13169131 445174 12723957
Surrender Value Rs.: 10089884 445174 9644710
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
Net Worth Analysis :
Current Value Rs.: Surrender Value Rs.:
Liabilities 445174 445174
Assets 13169131 10089884
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Assets - Liabilities -(% wise)

13. Current Value
7162131
835702 8.57 Your Savings /Investments are 8.57 times of your Annual Income -(Self + Spouse Income)
1015702 7.05 Your Savings /Investments are 7.05 times of your Total Annual Income
Current Value
445174
835702 0.53 Your Debt to Income Ratio is 0.53 with your Annual Income -(Self + Spouse Income)
1015702 0.44 Your Debt to Income Ratio is 0.44 with your Total Annual Income.
Current Value
321386
835702 0.38 Your Savings Rate Ratio is 38% with your Annual Income -(Self + Spouse Income)
1015702 0.32 Your Savings Rate Ratio is 32% with your Total Annual Income
Planner's
Note :
Planner's
Note :
Planner's
Note :
Self +Spouse Income Rs.
Total Income (Excl. Interest / Div. Income) Rs.
( EPF Contribution (if any) + Regular Investment Commitment)
Current Value of your O/s. Payment Liabilities
Your Annual Income
Self +Spouse Income Rs.
Total Income (Excl. Interest / Div. Income) Rs.
(Current Investment Value / Current Income)
(Current Financial Obligation OR Liabilities / Annual Income)
Savings Rate to Income Ratio :
Total Annual Savings / Investment Commitment Rs.
Your Annual Income is
Method / Formula to arrive ratio :Savings to Income Ratio :
Current Value of your Savings / Investments is Rs.
Your Annual Income
Self +Spouse Income Rs.
Total Income (Excl. Interest / Div. Income) Rs.
Debt to Income Ratio : Method / Formula to arrive ratio :
Method / Formula to arrive ratio : (Total Annual Savings / Investment Commitment / Annual Income)

14. Current Value
281430
Monthly Amt.
490950 40913
182400 15200
56113 5.02
Current Value
5269284
Monthly Amt.
490950 40913
182400 15200
56113 93.91
Planner's
Note :
Planner's
Note :
Expanded Liquidity Ratio : Method / Formula to arrive ratio :
(Surrender Value of Investments / Monthly Outflow of Expenses & Loan
EMI )
Surrender / Liquidity -Value of Investments -Rs.
Your Annual Outflow
Yearly Expenses Amount Rs.
Total Annual Payment of EMI + Interest
Your have 93.91 months of provision to sustain living standard, if unable to earn on
regular basis.
Your have 5.02 months of instant liquid balance to sustain routine expenses.
Basic Liquidity Ratio : Method / Formula to arrive ratio : (Total Liquid Assets / Monthly Outflow of Expenses & Loan EMI )
Liquid Asset -( Cash +Liquid Funds+FDR<1 Year)
Your Annual Outflow
Total Annual Payment of EMI + Interest
Yearly Expenses Amount Rs.

15. Current Value
281430
445174 0.63
Current Value
5269284
445174 11.84
Current Value
7829529
Your Annual Income - Rs. 613843 12.75
Planner's
Note :
Planner's
Note :
Planner's
Note :
Life Insurance Coverage Ratio :
Liquid Assets Coverage Ratio :
Method / Formula to arrive ratio :
(Cur. value of Investment - liabilities + Death Benefit by Life Ins./ Annual
Income )
Your Assets + Death Benefit is covering your annual income is 12.75 times.
Value of Investments (Excl.- LI Policy) - Liabilies + Death
Benefit of Life Ins. Policy
Solvency Ratio : Method / Formula to arrive ratio : (Surrender Value of Investments / Total O/s. Liabilities )
Surrender / Liquidity -Value of Investments -Rs.
Your Assets is 11.84 times of debt available to repay your debt.
Total Debt / O/s. Liabilities
Method / Formula to arrive ratio : ( Total Liquid Assets / Total Debt )
Liquid Asset -( Cash +Liquid Funds+FDR<1 Year)
Your Liquid Assets Coverage Ratio is 0.63
Total Debt / O/s. Liabilities

16. Sr.
No.
Year
Samir
Patel
Ekta
Patel
Self Income
Spouse
Income
Agriculture
Income
(if any)
Other
Income
Total Cash
Income
Total
Expenses
Surplus
(Basic
Cash Flow)
Total Loan
Repayment
Amount Rs.
Net Surplus
for Savings
/
Investment
Regular
Investment
Commitme
nt
(Outflow)
Net
Balance
( + / - )
@Each
Year Ended
0 2013 43 38 613843 221859 180000 6000 1021702 490950 530752 182400 348352 321386 26966
1 2014 44 39 630472 231883 189000 6000 1057355 530128 527227 182400 344827 327386 17441
2 2015 45 40 659635 242058 198450 56000 1156143 572510 583633 139776 443857 319086 124771
3 2016 46 41 684401 253699 208373 0 1146472 618363 528108 60000 468108 337086 131022
4 2017 47 42 709417 266959 218791 39338 1234505 667980 566525 10000 556525 355086 201439
5 2018 48 43 737042 279222 229731 0 1245995 721677 524318 0 524318 373086 151232
6 2019 49 44 765433 292097 241217 0 1298747 779798 518949 0 518949 342332 176617
7 2020 50 45 794647 305628 253278 0 1353553 842716 510837 0 510837 354332 156505
8 2021 51 46 824982 319820 265942 0 1410744 910836 499908 0 499908 366332 133576
9 2022 52 47 856846 334732 279239 0 1470817 984601 486216 0 486216 378332 107884
10 2023 53 48 972688 366501 293201 0 1632391 1064488 567902 0 567902 390332 177570
11 2024 54 49 1007817 384826 307861 0 1700504 1151020 549485 0 549485 396332 153153
12 2025 55 50 1044693 404068 323254 0 1772014 1244760 527254 0 527254 402332 124922
13 2026 56 51 1084330 424271 339417 0 1848018 1346326 501692 0 501692 408332 93360
14 2027 57 52 1126276 445485 356388 0 1928148 1456386 471762 0 471762 389332 82430
15 2028 58 53 1170311 467759 374207 0 2012277 1575668 436609 0 436609 389332 47277
16 2029 59 54 1216551 491147 392917 0 2100616 1704963 395653 0 395653 365593 30060
17 2030 60 55 1265100 514087 412563 0 2191750 1845132 346618 0 346618 360000 -13382
18 2031 61 56 0 537215 0 0 537215 0 537215 0 537215 0 537215
19 2032 62 57 0 561498 0 0 561498 0 561498 0 561498 0 561498
20 2033 63 58 0 587001 0 0 587001 0 587001 0 587001 0 587001
21 2034 64 59 0 613781 0 0 613781 0 613781 0 613781 0 613781
22 2035 65 60 0 641889 0 0 641889 0 641889 0 641889 0 641889
23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0
24 2037 67 62 0 0 0 0 0 0 0 0 0 0 0
25 2038 68 63 0 0 0 0 0 0 0 0 0 0 0
26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0
27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0
28 2041 71 66 0 0 0 0 0 0 0 0 0 0 0
29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0
30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0
31 2044 74 69 0 0 0 0 0 0 0 0 0 0 0
32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0
33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0
34 2047 77 72 0 0 0 0 0 0 0 0 0 0 0
35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0
36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0
37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0
38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0
39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0
40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0
Cash - Inflow & Outflow - Statement with Annexures
Age :
-500000
0
500000
1000000
1500000
2000000
2500000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
Expenses : Loan Repayment : Regular Investments :
Balance C/F to Cash : Net Total Income : ( Amount Rs.: )
-100000
0
100000
200000
300000
400000
500000
600000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
Regular Investments : Balance C/F to Cash : Net Surplus available for Investments :

17. Sr.
No.
Year
Samir
Patel
Ekta
Patel
Personal
Expenses
Housing
Expenses
Food
Expenses
Living
Expenses
Health
Expenses
Entertainm
ent
Expenses
Total
Expenses
0 2013 43 38 40200 156500 82600 98100 52500 61050 490950
1 2014 44 39 42612 167455 89208 105948 57750 67155 530128
2 2015 45 40 45169 179177 96345 114424 63525 73871 572510
3 2016 46 41 47879 191719 104052 123578 69878 81258 618363
4 2017 47 42 50752 205140 112376 133464 76865 89383 667980
5 2018 48 43 53797 219499 121366 144141 84552 98322 721677
6 2019 49 44 57024 234864 131076 155672 93007 108154 779798
7 2020 50 45 60446 251305 141562 168126 102308 118969 842716
8 2021 51 46 64073 268896 152887 181576 112538 130866 910836
9 2022 52 47 67917 287719 165118 196102 123792 143953 984601
10 2023 53 48 71992 307859 178327 211791 136171 158348 1064488
11 2024 54 49 76312 329409 192593 228734 149789 174183 1151020
12 2025 55 50 80890 352468 208001 247032 164767 191601 1244760
13 2026 56 51 85744 377141 224641 266795 181244 210761 1346326
14 2027 57 52 90888 403541 242612 288139 199369 231837 1456386
15 2028 58 53 96342 431788 262021 311190 219306 255021 1575668
16 2029 59 54 102122 462014 282983 336085 241236 280523 1704963
17 2030 60 55 108249 494355 305621 362972 265360 308575 1845132
18 2031 61 56 0 0 0 0 0 0 0
19 2032 62 57 0 0 0 0 0 0 0
20 2033 63 58 0 0 0 0 0 0 0
21 2034 64 59 0 0 0 0 0 0 0
22 2035 65 60 0 0 0 0 0 0 0
23 2036 66 61 0 0 0 0 0 0 0
24 2037 67 62 0 0 0 0 0 0 0
25 2038 68 63 0 0 0 0 0 0 0
26 2039 69 64 0 0 0 0 0 0 0
27 2040 70 65 0 0 0 0 0 0 0
28 2041 71 66 0 0 0 0 0 0 0
29 2042 72 67 0 0 0 0 0 0 0
30 2043 73 68 0 0 0 0 0 0 0
31 2044 74 69 0 0 0 0 0 0 0
32 2045 75 70 0 0 0 0 0 0 0
33 2046 76 71 0 0 0 0 0 0 0
34 2047 77 72 0 0 0 0 0 0 0
35 2048 78 73 0 0 0 0 0 0 0
36 2049 79 74 0 0 0 0 0 0 0
37 2050 80 75 0 0 0 0 0 0 0
38 2051 81 76 0 0 0 0 0 0 0
39 2052 82 77 0 0 0 0 0 0 0
40 2053 83 78 0 0 0 0 0 0 0
Age :
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
Breakup of Expenses
Personal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses
-20%
0%
20%
40%
60%
80%
100%
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
Breakup of Outflow Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash :

18. @ Future Int. Rate (%) 9%
Present
Cost of Goal
OR Target
Goal
Amount
Fund to be
required in
Period OR
Year
Fund to be
required for
No. of Years
Wants to
Protect Need
& Provide Life
Cover
Yes /No.
Sr. Year
Your
Age
Spouse
Age
Life
Insurance to
be required /
Opening
Balance
Family
Expenses
Outstanding
Loan
Liabilities
To cover
future
expenses :
Planning For-
Ankita Patel
To cover
future
expenses :
Planning For-
Nikunj Patel
Current &
Future
Financial
Needs for
Family
Spouse
Income
(Subject to
Life
Ins.Cover )
Other
Income
% wise Amt. wise 15% 12% 9% 1 2013 43 38 11713140 394075 445174 110000 203370 165000 580879 1001904 12134165
156500 7% 0 2014 - to - 2030 17 Yes 2 2014 44 39 12134165 487516 27500 27500 0 231883 195000 115633 1081668 13100199
82600 8% 0 2014 - to - 2030 17 Yes 3 2015 45 40 13100199 527341 30250 30250 0 242058 254450 91333 1170798 14179664
98100 8% 0 2014 - to - 2030 17 Yes 4 2016 46 41 14179664 570484 33275 33275 0 253699 208373 174963 1260423 15265124
52500 10% 0 2014 - to - 2030 17 Yes 5 2017 47 42 15265124 617228 95167 36603 0 266959 258129 223910 1353709 16394924
61050 10% 0 2014 - to - 2030 17 Yes 6 2018 48 43 16394924 667880 104683 40263 5352902 279222 229731 5656776 966433 11704581
% wise Amt. wise 7 2019 49 44 11704581 722773 115151 44289 0 292097 241217 348899 1022011 12377693
0 0% Yes 8 2020 50 45 12377693 782270 126667 126667 1628133 305628 253278 2104830 924558 11197421
25000 10% 2014 - To - 2016 3 Yes 9 2021 51 46 11197421 846764 214359 139333 0 319820 265942 614694 952445 11535173
65000 10% 2017 - To - 2020 4 Yes 10 2022 52 47 11535173 916684 235795 153267 99950 334732 279239 791725 966910 11710358
100000 10% 2021 - To - 2023 3 Yes 11 2023 53 48 11710358 992496 259374 168593 0 366501 293201 760762 985464 11935060
150000 10% 2024 - To - 2026 3 Yes 12 2024 54 49 11935060 1074708 427968 427968 0 384826 307861 1237955 962739 11659844
0 0% Yes 13 2025 55 50 11659844 1163870 470764 470764 151090 404068 323254 1529167 911761 11042439
600000 6% 2027 1 Yes 14 2026 56 51 11042439 1260582 517841 517841 0 424271 339417 1532576 855888 10365751
0 0% Yes 15 2027 57 52 10365751 1365497 1356542 759500 0 445485 356388 2679667 691748 8377831
25000 10% 2014 - To - 2016 3 Yes 16 2028 58 53 8377831 1479326 0 835450 0 467759 374207 1472810 621452 7526473
65000 10% 2017 - To - 2020 4 Yes 17 2029 59 54 7526473 1602841 0 918995 0 491147 392917 1637771 529983 6418686
100000 10% 2021 - To - 2023 3 Yes 18 2030 60 55 6418686 1736883 0 4584037 0 514087 412563 5394269 92197 1116614
150000 10% 2024 - To - 2026 3 Yes 19 2031 61 56 1116614 0 0 0 0 0 0 0 100495 1217109
Yes 20 2032 62 57 1217109 0 0 0 0 0 0 0 109540 1326649
600000 6% 2027 1 Yes 21 2033 63 58 1326649 0 0 1326649 0 0 0 1326649 0 0
22 2034 64 59 0 0 0 0 0 0 0 0 0 0
4000000 6% 2018 1 Yes 23 2035 65 60 0 0 0 0 0 0 0 0 0 0
950000 8% 2020 1 Yes 24 2036 66 61 0 0 0 0 0 0 0 0 0 0
50000 8% 2022 1 Yes 25 2037 67 62 0 0 0 0 0 0 0 0 0 0
60000 8% 2025 1 Yes 26 2038 68 63 0 0 0 0 0 0 0 0 0 0
0 0% Yes 27 2039 69 64 0 0 0 0 0 0 0 0 0 0
0 0% Yes 28 2040 70 65 0 0 0 0 0 0 0 0 0 0
10279126 12747278 16164467
29 2041 71 66 0 0 0 0 0 0 0 0 0 0
Yes
30 2042 72 67 0 0 0 0 0 0 0 0 0 0
Yes 31 2043 73 68 0 0 0 0 0 0 0 0 0 0
Yes 32 2044 74 69 0 0 0 0 0 0 0 0 0 0
Total Life Insurance required for future need : Amount Rs. : 6899313 8667618 11132261 33 2045 75 70 0 0 0 0 0 0 0 0 0 0
34 2046 76 71 0 0 0 0 0 0 0 0 0 0
35 2047 77 72 0 0 0 0 0 0 0 0 0 0
36 2048 78 73 0 0 0 0 0 0 0 0 0 0
37 2049 79 74 0 0 0 0 0 0 0 0 0 0
36850 Yes 60000 38 2050 80 75 0 0 0 0 0 0 0 0 0 0
143458 Yes 0 39 2051 81 76 0 0 0 0 0 0 0 0 0 0
75717 Yes 0 40 2052 82 77 0 0 0 0 0 0 0 0 0 0
89925 Yes 0 41 2053 83 78 0 0 0 0 0 0 0 0 0 0
48125 Yes 0 42 2054 84 79 0 0 0 0 0 0 0 0 0 0
839249 110000 43 2055 85 80 0 0 0 0 0 0 0 0 0 0
949249 44 2056 86 81 0 0 0 0 0 0 0 0 0 0
368370 45 2057 87 82 0 0 0 0 0 0 0 0 0 0
580879 580879 580879
46 2058 88 83 0 0 0 0 0 0 0 0 0 0
Gross Life Insurance required to protect all need of your family in your absence : (@ various rate ) :: 7480191 9248496 11713140 47 2059 89 84 0 0 0 0 0 0 0 0 0 0
<== Select future Interest Rate on Lump sum Investment from life insurance claim amount to provide a future need to family
Required Life Insurance - Death Claim Cash Flow Statement
Gross Life Insurance Cover for Future Need : Amount Rs. ::
N.A. Wedding exp. Of Niece 50000
Total Life Insurance Cover for Present Need : Amount Rs. ::
Family
Expenses
Amount required for
Immediate Need OR
in Current Year -
i.e. in 2013
Add :
Other
Need
Housing Expenses
Food Expenses
Living Expenses
Health Expenses
Entertainment Expenses
Maternity Exp. For Sister
0
0
0
0
Present OR Immediate Need / Particulars
Required
Amount Rs.
Wants to
Protect
Need?
Present OR Immediate Need /
Particulars
Required
Amount Rs.
Loan
Repayment
O/S. Loan Liabilities - For
Assets & Cash Loan
Total required Amount Rs.: Total required Amount Rs.:
445174
FutureFinancial
Goal
Future
Need
Need - Fund for - Buying a New House
Need - Fund for - New Motor Car
Need - Fund for - New Activa Scooter for Ankita
Need - Fund for - New Motor Bike
4079660 5032205
3330066 3848689 4469401
3379813
ChildFuturePlanning
Planning
For-
Ankita
Patel
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
Fund for - Graduation & Higher Education
Fund for - Post Graduation & Master Degree
Less :
Other Income
Spouse Income -( Subject to Life Insurance Cover
available )
Agriculture Income etc.
Total Income from other sources
Fund for - Marriage Expenses
Planning
For-
Nikunj
Patel
Fund for - Graduation & Higher Education
Fund for - Post Graduation & Master Degree
Life insurance cover amount, which
will provided to your family for
future expenses & nneds in your
absence & generate return on that
@diff. (%)
929600 1203103 1583574
1386562 1989681 2922096
Different Rate of Return, Scenario of
Future Cash Flow in your absence &
Provide Financial Shelter to your Family
4632898 5705805 7189396
I wish to provide Life Insurance cover to my family for
following future needs & liabilities.
Inflation Effect -
Present Goal Amount will
rise @Rate
Future
Expensesfor
Family
Family
Expenses
Housing Expenses
Food Expenses
Living Expenses
Health Expenses
Entertainment Expenses
Net Amount
to be
required in
future
Interest on
Balance
Amt.
Closing
Balance
Present & Future Need to Family in your absence Less : Future Income
Less : Present OR immediate income from spouse & other income
Fund for - For start in life
Fund for - Marriage Expenses
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
16000000
18000000
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
Required Balance @Each year Net Requirement Interest on Death Claim

19. For :
Basic Sum
Assured
Present Death
Benefit Value
Current Value
Paid Up
Value of
Policy
Surrender
Value Rs.
Add : 2,468,500
Traditional Life Insurance Plan
900,000 1,468,500 1,180,398 1,024,250 372,820
- - - - -
900,000 1,468,500 1,180,398 1,024,250 372,820
Unit Linked Life Insurance Plan Cash Account 95530 95530
500,000 500,000 80,000 334,180 80,000 Bank FDR 184006 170105
- - - - - Mutual Funds 1460138 1321796
500,000 500,000 80,000 334,180 80,000 Stock Market 46200 34650
Life Insurance : Pure Term Plan Bonds / NCD's & Co. FD's 353171 317854
500,000 500,000 Post Office Scheme 1404523 1107471
- - Other Life Ins. & Pension Plan 1003165 789057
- - Physical Gold / Funds / ETF 200000 180000
500,000 500,000 Properties Investment 1000000 800000
Retirement Fund 155000 0
For :
Basic Sum
Assured
Present Death
Benefit Value
Current Value
Pension
Plan Value
Rs.
Surrender
Value Rs.
Particulars @Return : 15%@Return : 12%@Return : 9%
Traditional Life Insurance Plan
Reqired Life Ins. Cover7480191 9248496 11713140
200,000 240,000 90,265 90,000 29,133 Exsting Life Ins. Cover7284964 7284964 7284964
- - - - - Shortfall (if any) -195228 -1963532 -4428176
200,000 240,000 90,265 90,000 29,133
Unit Linked Life Insurance Plan
- - - - -
75,000 75,000 62,000 - 58,000
75,000 75,000 62,000 - 58,000
- -
- -
- -
- -
15% 12% 9%
2043211 2559091 3311512
Analysis - Actual Available Life Insurance Coverage & Shortfall (if any)
9%15% 12%
315,000 315,000 315,000
275,000 315,000 152,265
4816464
7284964
Available Life Insurance Coverage
through existing Life Insurance Policies
With Coverage through Existing Assets Value
Samir Patel
Scheme Category / Particulars
Surrender
Value >>
Investment
Instrument
Reg. Prem.-Unit Linked Insurance Plan
Existing Life Insurance Coverage -
Death Benefit Value Rs.
Existing available coverage to
family - Amount Rs.
7284964
Ekta Patel
Present available coverage to family - Amount Rs.:
Reg. Prem. -Traditional Life Ins.Plan
Single Premium -Traditional Life Ins. Plan
Current Value
Surrender
Value
Select
Option
Existing Investment Value Rs. :
Total Amount Rs.: 1,900,000 2,468,500 1,260,398 1,358,430 452,820
Single Premium -Unit Linked Ins. Plan
7284964
90,000 87,133
Required Life Insurance Coverage :
As per Income Replacement Strategy : 7284964
1963532 4428176
9248496 11713140
Scheme Category / Particulars
Reg. Prem. -Traditional Life Ins. Plan
Single Prem. -Traditional Life Ins. Plan
Reg. Prem.-Unit Linked Insurance Plan
Single Premium -Unit Linked Ins. Plan
Total Amount Rs.:
Available Life Insurance Coverage :
1,728,211 2,244,091 2,996,512
Life Insurance - Pure Term Plan
Additional Life Insurance Cover to be required
for : Ekta Patel
195228
Gross Life Insurance Need to
Family : (As above Calculated) 7480191
Additional Life Insurance cover to
be required to protect your family
in your absence :
@Return :
15%
@Return :
12%
@Return :
9%
Reqired Life Ins. Cover 7480191 9248496 11713140
Exsting Life Ins. Cover 7284964 7284964 7284964
Shortfall (if any) -195228 -1963532 -4428176
-6000000
-4000000
-2000000
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
11713140
12134165
13100199
14179664
15265124
16394924
11704581
12377693
11197421
11535173
11710358
11935060
11659844
11042439
10365751
8377831
7526473
6418686
1116614
1217109
1326649
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
16000000
18000000
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033
Required V/s. Available -Life Insurance Cover Analysis
Available Life Ins. Cover Shortall in Life Ins. Cover Required Life Ins. Cover
580879
115633
91333
174963
223910
5656776
348899
2104830
614694
791725
760762
1237955
1529167
1532576
2679667
1472810
1637771
5394269
0
0
1326649
-1000000
0
1000000
2000000
3000000
4000000
5000000
6000000
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033
Need to be covered V/s.Need to be met & Shortfall to Need
CoverShortfall to need with existing cover
Need to be met with existing life cover
Total Need to be Cover

20. Self Family History
Name Sex Relationship Current StatusHealth Status Date of Birth Age
Covered under
Health
Insurance?
Any permanent
physical
disability?
Continue on
any
Medications or
Drugs?
Major Surgery
/Hospitalisation
in last 5 Years?
Samir Patel Male Self Doing Job Very Good 15/01/1970 43 Yes No No No 0 High / Low BP
Ekta Patel Female Spouse / Wife Working Very Good 12/08/1974 38 Yes No No No 0 Heart Disease
Chhotubhai Patel Male Father Retired Above Average 16/05/1942 70 No No Yes No High / Low BP 0
Savitaben Patel Female Mother Retired Average 24/10/1948 64 No No Yes No 0 0
Ankita Patel Female Daughter Studying Very Good 25/03/2001 11 Yes No No No 0 0
Nikunj Patel Male Son Studying Very Good 18/09/2004 8 Yes No No No 0 0
0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0
4
0
0
0
0
0
Policy TypePolicy TypePolicy TypePolicy Type
0 0 0 0 0 0
0
0 0 0 0 0 0
Have you or any family member
ever suffered / suffering from?
Family Health Information & History
Risk Protection Strategies
Heartbeat Max Bupa Floating 12000 500000 13/01/2011
Health Insurance Policy Details
Policy Name Insurer Company Policy Type Annual Premium Sum Assured Start Date
No. of Insured
Person
0 0 0 0 0 0
0 0 0 0 0 0
Planner's Comments / Advice - On Health Insurance Coverage
Group Mediclaim
Individual ORIndividual ORIndividual ORIndividual OR
FloatingFloatingFloatingFloating
Suggested HealthSuggested HealthSuggested HealthSuggested Health
Cover /SumCover /SumCover /SumCover /Sum
AssuredAssuredAssuredAssured
Indicative Annual
Premium Amount
Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company
0 0 0 0
Planner's Comment / Remark / Action to Proceeds

21. 0 1200 0
0 0 0
0 0 0
0
0
Policy TypePolicy TypePolicy TypePolicy Type
7480191 9248496 11713140
1,468,500
500,000
500,000
4,816,464 7284964 7284964 7284964
195228 1963532 4428176
5,316,464 5,316,464 5,316,464 5,316,464
Required Life Insurance after advice on existing life insurance 2,163,728 3,932,032 6,396,676
- - - -
4000000 4,000,000 4,000,000 4,000,000
4,000,000 4,000,000 4,000,000
1836272 67968 -2396676
New India 26/03/2006 1000000Personal Accident Samir Patel
No. of Family
Person / Assets
Insured
Insurance Policy ( For) Name of Person Insured Insurer Company Start Date
Annual
Premium
Pure Risk Coverage - General Insurance Policy Details
00/01/1900
Vehicles 0 New India 24/03/2004
Sum Assured
Rider
(if any)
0
Group Pers.Accident 0 0 00/01/1900 0
Critical Illness 0 0 00/01/1900
1700 0
0 0Household 0 0
Available Life Insurance Coverage through -Policy & Investments :
===> Present death benefit available through Traditional Life Insurance
Planner's Comments / Advice on other General Insurance Coverage / Risk Protection
Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company
Suggested HealthSuggested HealthSuggested HealthSuggested Health
Cover /SumCover /SumCover /SumCover /Sum
AssuredAssuredAssuredAssured
Indicative Annual
Premium Amount
Individual ORIndividual ORIndividual ORIndividual OR
FloatingFloatingFloatingFloating
12% 9%For Samir Patel
Required Life Insurance Coverage - As per Need Analysis Report
===> Present death benefit available through Unit Linked Insurance Plan
===> Present death benefit available through Term Plan
===> Present coverage through Surrender Value of Current Investments
Less :
===> Death Benefit / Sum Assured - will reduce due to advice for Policy Paid up /
surrendering bad / junk policy etc. - Traditional & Ulip Plans.
Net life insurance coverage available after advice on existing policy
1,968,500
Less:
===> Advice for take additional life ins. coverage through Tradi. Plan +Ulip
===> Advice for take additional life ins. coverage through Pure Term Plan
Shortfall in Life Insurance Coverage - with diff. return scenario ( if any)
1,968,500 1,968,500 1,968,500
Shortfall /Excess -After addition of Life Insurance Coverage (if any)
Total :
Planner's Comment / Remark / Action to Proceeds
Policy NamePolicy NamePolicy NamePolicy Name From CompanyFrom CompanyFrom CompanyFrom Company
Life Insurance Coverage
15% Indicative Annual Premium
Amount
Planner'sAdvice/RemarkonLifeInsurance
Suggested Life Insurance CoverSuggested Life Insurance CoverSuggested Life Insurance CoverSuggested Life Insurance Cover
/Sum Assured/Sum Assured/Sum Assured/Sum Assured

22. 1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
How would you describe yourself as a risk-taker?
Balanced - (Medium Risk)
Result of Risk Analysis
Risk Capacity
1 - 3 years
You have a market tip on the price appreciation of a certain scrip, you :
Are happy with the Rs.10,000 that you've earned
Are satisfied and content with the decision
How good is your knowledge of finance?
If you lose your job or stop working today, how long do you think your savings can
support you
Aggregate
Your risk profile is suggest that you are a -
Balanced - (Medium Risk) - type of investor
You are on a TV game show and you win Rs.10,000. You have a choice to keep the
money or risk it to win a higher amount. You :
Do some enquiry and analysis and then decide
Your risk analysis from above questionnaire
Buy more of them
Medium
Balanced - (Medium Risk)
The stock market has dropped 25% and a share that you own also dropped 25%, but
the market expects the share to go up again. What would you do ?
You have a substantial sum of money spare for about 6 months after which you need this sum to
repay a loan, this sum is currently not invested anywhere. You would:
You are financially responsible for (exclude dependants who can be supported by your
spouse's income)
invest the money in Open ended Equity Oriented Mutual Fund
Risk Behaviour
Your age is :
Findings from your Risk Analysis
Which one of the following best describes your feeling immediately after making an
investment, you :
41 - 50
between Rs.500,000 and Re.10,00,000
15 years or more
Is relatively secure
It would far outpace inflation
Willing to take risks for higer returns
I don't know much about finance but I keep myself updated about the developments
through newspapers, journals, TV, etc.
The number of years you have until retirement is :
Your present job or business is :
Your current annual take-home income is :
Invest the money in Mutual Funds
What is your expectation of how your future earnings would be :
If you had Rs.50,000 to invest, which of the following choices would you make ?

23. Current Value 185530 6%
490,950 95900 6%
182,400 0 8%
321,386 46200 18%
994,736 956418 15%
For Months 87110 15%
0 15%
20937 15%
299773 13%
0 10%
0 9%
0 8%
1691868 13.14%
0 - to - 3 8% 281430 17% 9.20%
4 - to - 7 9% 1203892 71% 9.44%
206545 12% 12.00%
Total : 1691868 100.00% 9.20%
Note :
Age : 60
Year : 2030
Age : 80
Year : 2050
Select : 2
Calculation of Required Emergency Fund.
Particulars
Regular Investment Commitment
Total Yearly Outflow Amount Rs.
Planner's
Note
Regular Expenses
Loan EMI Amount
4
331579
Also required fund in Cash & Equivalent
for Current Year Requirements ( If any)
Total Amount to be required in Current
Year ( i.e. in Year )
Fairly Important
18
Optimum Return
Investment Priorities
Preserve Capital Some Extent
Regular Income Not Priority
Period
( No. of Years )
upto Retirement.:
Retirement :
Life Expectacy :
Ease of Management Very Concern
Post Retirement
Rate of Return (%)
Growth Over Time
Very Important
Fairly Important Retirement Cash Flow - With Accumulation & Consumption.
Maximum Growth Some Extent
Hybrid Fund - Asset Allocation/Others
Hybrid Fund - MIP
Gold Funds / ETF
Total Amount & Weighted Avg. Return
If retirement period is fall in Short / Medium Term
Period, Long Term Return Rate is automatically
replaced by Post Retirement Rate of Return. Please
check first, how much year left to retirement.
RiskAnalysis
Non Maturity based
Investment Portfolio
( i. e. Direct Equity + Mutual
Fund)
Existing
Portfolio
Portfolio
Weightage
Short to Medium Term
Medium to Long Term
Cash / S.B. A/c. / Bank FDR <1 Year
Equity - Thematic & Others
Post Tax Rate
of Return (%)
8%
Timely Goal Achievement
Short Term Need
Medium Term Need
8 - Year onwards
Hybrid Fund - Balanced
Expected
Wighted
Average
Return (%)
Finding from Your Risk Analysis
Result of Risk Analysis
Future Need - Period breakup with required Rate of Return
Post Tax -
Return Select
12%
For - Pre - Retirement Period : Period (Years) :
Non Maturity based Investment Portfolio
( i. e. Direct Equity + Mutual Fund)
Existing
Portfolio
Expected
Return (%)
Risk Behaviour
Long Term Funds
Post Tax Rate of Return - Assumption
Your risk profile is suggest that you are a -
Balanced - (Medium Risk) - type of investor
Aggregate Balanced - (Medium Risk)
Risk Capacity Medium
Balanced - (Medium Risk)
Debt -Liquid
Goal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - CalculationGoal Mapping & Funding - with Future Need & Investment Cash Flow - Calculation
With Existing Investment Portfolio
Tax Relief/advantage Concern
Safety/ Security Extremely Concern
Liquidity Concern
Generating Income Not Concern
Debt -Short Term, Income & G. Sec.
Direct Equity
Equity - Diversified
Equity - Diversified -ELSS
Equity - Sectoral
Long Term Need
Very Concern
110000
Emergency Fund -
Should be kept in form of Cash
& Equivalent
Advice to kept emergency
fund in Cash or Equivalent
for the Month Nos. >>>>
Financial Concerns
Inflation

24. Age at Goal
Start
Present Cost
of Goal OR
Target Goal
Amount
Inflation
Effect -
Present Goal
Amount will
rise @%wise
OR Amt.wise
Period
( Years)
available for
Regular
Investments
Fund to be
required in
Period OR
Year
Fund to be
required for
No. of Years
Goal Priority
If Goal Selection is
"Yes", Goal
Funding from
Assets Liquidation
/ Future Loan?
Future Goal -
Amount to be
required Rs.
Goal Funding
Amt. from
Assets
Liquidation /
Future Loans -
Rs.
Goal Funding
Amount
through
Financial
Investment
A/c.
Total Possible
Goal
Achievement
Amt. Rs.
Shortfall in
Goal Amt. Rs.
Possible Goal
Achievement
%wise
Shortfall in
Goal %wise
Child Age % OR/ Amt,wise
0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0%
12 25000 10.00% 1 2014 - To - 2016 3 High Yes N.A. 91025 0 91025 91025 0 100% 0%
15 65000 10.00% 4 2017 - To - 2020 4 High Yes N.A. 441668 0 441668 441668 0 100% 0%
19 100000 10.00% 8 2021 - To - 2023 3 High Yes N.A. 709528 0 709528 709528 0 100% 0%
22 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0%
0 0 0 0 Yes Yes 0 0 0 0 0 0% 0%
25 600000 6.00% 14 2027 1 High Yes Yes 1356542 271308 1085234 1356542 0 100% 0%
Child Age 4015335 271308 3744027 4015335 0 100% 0%
0 0 0 0 Yes N.A. 0 0 0 0 0 0% 0%
9 25000 10.00% 1 2014 - To - 2019 6 High Yes N.A. 212179 0 212179 212179 0 100% 0%
15 65000 10.00% 7 2020 - To - 2023 4 High Yes N.A. 587860 0 587860 587860 0 100% 0%
19 150000 10.00% 11 2024 - To - 2026 3 High Yes N.A. 1416572 0 1416572 1416572 0 100% 0%
22 200000 10.00% 14 2027 - To - 2029 3 High Yes N.A. 2513944 0 2513944 2513944 0 100% 0%
25 2000000 5.00% 17 2030 1 High Yes Yes 4584037 3438027 1146009 4584037 0 100% 0%
28 500000 5.00% 17 2033 1 High Yes Yes 1326649 928654 397995 1326649 0 100% 0%
Your Age 10641241 4366682 6274559 10641241 0 100% 0%
48 4000000 6.00% 5 2018 1 High Yes Yes 5352902 4014677 1338226 5352902 0 100% 0%
50 950000 8.00% 7 2020 1 Medium Yes Yes 1628133 488440 1139693 1628133 0 100% 0%
52 50000 8.00% 9 2022 1 High Yes Yes 99950 0 99950 99950 0 100% 0%
55 60000 8.00% 12 2025 1 High Yes Yes 151090 75545 75545 151090 0 100% 0%
0 0 0 0 Yes Yes 0 0 0 0 0 0% 0%
0 0 0 0 Yes Yes 0 0 0 0 0 0% 0%
Your Age 7232076 4578662 2653414 7232076 0 100% 0%
60 6984881 0 17 2030 1 High Yes 70663066 0 5460413 5460413 65202652 8% 92%
60 100000 10.00% 17 2030 1 High Yes 505447 0 505447 505447 0 100% 0%
60 10000000 5.00% 17 2030 1 High Yes 22920183 0 22920183 22920183 0 100% 0%
60 50000 6.00% 17 2030 1 Low Yes 134639 0 134639 134639 0 100% 0%
60 100000 6.00% 17 2030 1 Optional Yes 269277 0 269277 269277 0 100% 0%
Your Age 94492612 29289959 29289959 65202652 31% 69%
62 5000000 6.00% 17 2032 1 Optional Yes Yes 15127998 0 14547823 14547823 580175 96% 4%
67 5000000 17 2037 1 Optional Yes Yes 5000000 0 0 0 5000000 0% 100%
50 25000 6.00% 7 2020 - To - 2032 Every 3 Year Medium Yes Yes 274834 0 199194 199194 75640 72% 28%
62 50000 6.00% 17 2032 - To - 2050 Every 3 Year 0 Yes Yes 1468591 0 0 0 1468591 0% 100%
0 0 0 0 Yes Yes 0 0 0 0 0 0% 0%
21871422 0 14747017 14747017 7124406 67% 33%
138252686 9216652 56708977 65925628 72327058 48% 52%
Financial Goal Particulars
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
Need - Fund for - New Motor Car
Fund for -- Pre-Primary & Primary Education
Fund for -- Secondary & Higher Sec. Education
Fund for -- Graduation & Higher Education
Fund for -- Post Graduation & Master Degree
Fund for -- For start in life
Fund for -- Marriage Expenses
Dream - Fund for - Long Tour
Dream - Fund for - Buying A Farm House
Future
Need
ChildFuturePlanning
Planning
For-
Ankita
Patel
Planning
For-
Nikunj
Patel
Fund for - Post Graduation & Master Degree
FutureFinancial
Goal
Future
Dreams
Retirement
Planning
Retirement
Corpus &
Provision
FutureFinancial
Goal
Dream - Fund for - Create Wealth
Dream - Fund for - Domestic Tour
Need - Fund for - New Activa Scooter for Ankita
Need - Fund for - New Motor Bike
Retirement Need Provision - For Tour - Yatra
Retirement Need Provision - For Donation
Goal SelectionGoal SelectionGoal SelectionGoal Selection
Fund for - Marriage Expenses
Need - Fund for - Buying a New House
After calculating with your actual cash flow
Fund for - Graduation & Higher Education
Funds to be required to provide regular
expenses from Retirement year onwards.
Retirement Need Provision - For Medical Exp.
Retirement Need Provision - Lumpsum Need
Wants to
include OR
Calculate your
Goal Amt. with
Current Cash
Flow?

25. Sr. No. Year Samir Patel Ekta Patel Ankita Patel Nikunj Patel
Self Income
( Net of Tax )
Spouse
Income
(Net of Tax)
Agriculture
Income
(if any)
Other Income Total Income
Total
Expenses
Surplus
(Basic Cash
Flow)
Total Loan
Repayment
Amount Rs.
Loan
Repayment
For Future
Goal Amount
Rs.
Net Surplus
for Savings /
Investment
Regular
Investment
Commitment
(Outflow)
Net Balance
( + / - )
@Each Year
Ended
0 2013 43 38 11 8 562690 203370 165000 5000 936060 450038 486022 152000 334022 232093 101929
1 2014 44 39 12 9 630472 231883 189000 6000 1057355 530128 527227 182400 0 344827 327386 17441
2 2015 45 40 13 10 659635 242058 198450 56000 1156143 572510 583633 139776 0 443857 319086 124771
3 2016 46 41 14 11 684401 253699 208373 0 1146472 618363 528108 60000 0 468108 337086 131022
4 2017 47 42 15 12 709417 266959 218791 39338 1234505 667980 566525 10000 0 556525 355086 201439
5 2018 48 43 16 13 737042 279222 229731 0 1245995 721677 524318 0 125253 399065 373086 25979
6 2019 49 44 17 14 765433 292097 241217 0 1298747 779798 518949 0 125253 393696 342332 51364
7 2020 50 45 18 15 794647 305628 253278 0 1353553 842716 510837 0 235206 275631 354332 -78701
8 2021 51 46 19 16 824982 319820 265942 0 1410744 910836 499908 0 235206 264702 366332 -101630
9 2022 52 47 20 17 856846 334732 279239 0 1470817 984601 486216 0 235206 251010 378332 -127322
10 2023 53 48 21 18 972688 366501 293201 0 1632391 1064488 567902 0 235206 332696 390332 -57636
11 2024 54 49 22 19 1007817 384826 307861 0 1700504 1151020 549485 0 235206 314279 396332 -82053
12 2025 55 50 23 20 1044693 404068 323254 0 1772014 1244760 527254 0 125253 402001 402332 -331
13 2026 56 51 24 21 1084330 424271 339417 0 1848018 1346326 501692 0 125253 376439 408332 -31893
14 2027 57 52 25 22 1126276 445485 356388 0 1928148 1456386 471762 0 125253 346509 389332 -42823
15 2028 58 53 26 23 1170311 467759 374207 0 2012277 1575668 436609 0 0 436609 389332 47277
16 2029 59 54 27 24 1216551 491147 392917 0 2100616 1704963 395653 0 0 395653 365593 30060
17 2030 60 55 28 25 1265100 514087 412563 0 2191750 1845132 346618 0 0 346618 360000 -13382
18 2031 61 56 29 26 0 537215 0 0 537215 0 537215 0 0 537215 0 537215
19 2032 62 57 30 27 0 561498 0 0 561498 0 561498 0 0 561498 0 561498
20 2033 63 58 31 28 0 587001 0 0 587001 0 587001 0 0 587001 0 587001
21 2034 64 59 32 29 0 613781 0 0 613781 0 613781 0 0 613781 0 613781
22 2035 65 60 33 30 0 641889 0 0 641889 0 641889 0 0 641889 0 641889
23 2036 66 61 34 31 0 0 0 0 0 0 0 0 0 0 0 0
24 2037 67 62 35 32 0 0 0 0 0 0 0 0 0 0 0 0
25 2038 68 63 36 33 0 0 0 0 0 0 0 0 0 0 0 0
26 2039 69 64 37 34 0 0 0 0 0 0 0 0 0 0 0 0
27 2040 70 65 38 35 0 0 0 0 0 0 0 0 0 0 0 0
28 2041 71 66 39 36 0 0 0 0 0 0 0 0 0 0 0 0
29 2042 72 67 40 37 0 0 0 0 0 0 0 0 0 0 0 0
30 2043 73 68 41 38 0 0 0 0 0 0 0 0 0 0 0 0
31 2044 74 69 42 39 0 0 0 0 0 0 0 0 0 0 0 0
32 2045 75 70 43 40 0 0 0 0 0 0 0 0 0 0 0 0
33 2046 76 71 44 41 0 0 0 0 0 0 0 0 0 0 0 0
34 2047 77 72 45 42 0 0 0 0 0 0 0 0 0 0 0 0
35 2048 78 73 46 43 0 0 0 0 0 0 0 0 0 0 0 0
36 2049 79 74 47 44 0 0 0 0 0 0 0 0 0 0 0 0
37 2050 80 75 48 45 0 0 0 0 0 0 0 0 0 0 0 0
38 2051 81 76 49 46 0 0 0 0 0 0 0 0 0 0 0 0
39 2052 82 77 50 47 0 0 0 0 0 0 0 0 0 0 0 0
40 2053 83 78 51 48 0 0 0 0 0 0 0 0 0 0 0 0
41 2054 84 79 52 49 0 0 0 0 0 0 0 0 0 0 0 0
42 2055 85 80 53 50 0 0 0 0 0 0 0 0 0 0 0 0
43 2056 86 81 54 51 0 0 0 0 0 0 0 0 0 0 0 0
44 2057 87 82 55 52 0 0 0 0 0 0 0 0 0 0 0 0
45 2058 88 83 56 53 0 0 0 0 0 0 0 0 0 0 0 0
46 2059 89 84 57 54 0 0 0 0 0 0 0 0 0 0 0 0
47 2060 90 85 58 55 0 0 0 0 0 0 0 0 0 0 0 0
48 2061 91 86 59 56 0 0 0 0 0 0 0 0 0 0 0 0
49 2062 92 87 60 57 0 0 0 0 0 0 0 0 0 0 0 0
50 2063 93 88 61 58 0 0 0 0 0 0 0 0 0 0 0 0
Age :

26. Sr. No. Year Samir Patel Ekta Patel Age
Child Care
Expenses
Pre-Primary &
Primary
Education
Secondary &
Higher Sec.
Education
Graduation &
Higher
Education
Post
Graduation &
Master
Degree
For start in
life
Marriage
Expenses
Total Amount
to be
required.
Age
Child Care
Expenses
Pre-Primary &
Primary
Education
Secondary &
Higher Sec.
Education
Graduation &
Higher
Education
Post
Graduation &
Master
Degree
For start in
life
Marriage
Expenses
Total Amount
to be
required.
0 91025 441668 709528 1416572 0 1356542 4015335 0 212179 587860 1416572 2513944 4584037 1326649 10641241
1 2014 44 39 12 0 27500 0 0 0 0 0 27500 9 0 27500 0 0 0 0 0 27500
2 2015 45 40 13 0 30250 0 0 0 0 0 30250 10 0 30250 0 0 0 0 0 30250
3 2016 46 41 14 0 33275 0 0 0 0 0 33275 11 0 33275 0 0 0 0 0 33275
4 2017 47 42 15 0 0 95167 0 0 0 0 95167 12 0 36603 0 0 0 0 0 36603
5 2018 48 43 16 0 0 104683 0 0 0 0 104683 13 0 40263 0 0 0 0 0 40263
6 2019 49 44 17 0 0 115151 0 0 0 0 115151 14 0 44289 0 0 0 0 0 44289
7 2020 50 45 18 0 0 126667 0 0 0 0 126667 15 0 0 126667 0 0 0 0 126667
8 2021 51 46 19 0 0 0 214359 0 0 0 214359 16 0 0 139333 0 0 0 0 139333
9 2022 52 47 20 0 0 0 235795 0 0 0 235795 17 0 0 153267 0 0 0 0 153267
10 2023 53 48 21 0 0 0 259374 0 0 0 259374 18 0 0 168593 0 0 0 0 168593
11 2024 54 49 22 0 0 0 0 427968 0 0 427968 19 0 0 0 427968 0 0 0 427968
12 2025 55 50 23 0 0 0 0 470764 0 0 470764 20 0 0 0 470764 0 0 0 470764
13 2026 56 51 24 0 0 0 0 517841 0 0 517841 21 0 0 0 517841 0 0 0 517841
14 2027 57 52 25 0 0 0 0 0 0 1356542 1356542 22 0 0 0 0 759500 0 0 759500
15 2028 58 53 26 0 0 0 0 0 0 0 0 23 0 0 0 0 835450 0 0 835450
16 2029 59 54 27 0 0 0 0 0 0 0 0 24 0 0 0 0 918995 0 0 918995
17 2030 60 55 28 0 0 0 0 0 0 0 0 25 0 0 0 0 0 4584037 0 4584037
18 2031 61 56 29 0 0 0 0 0 0 0 0 26 0 0 0 0 0 0 0 0
19 2032 62 57 30 0 0 0 0 0 0 0 0 27 0 0 0 0 0 0 0 0
20 2033 63 58 31 0 0 0 0 0 0 0 0 28 0 0 0 0 0 0 1326649 1326649
21 2034 64 59 32 0 0 0 0 0 0 0 0 29 0 0 0 0 0 0 0 0
22 2035 65 60 33 0 0 0 0 0 0 0 0 30 0 0 0 0 0 0 0 0
23 2036 66 61 34 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 0
24 2037 67 62 35 0 0 0 0 0 0 0 0 32 0 0 0 0 0 0 0 0
25 2038 68 63 36 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 0
26 2039 69 64 37 0 0 0 0 0 0 0 0 34 0 0 0 0 0 0 0 0
27 2040 70 65 38 0 0 0 0 0 0 0 0 35 0 0 0 0 0 0 0 0
28 2041 71 66 39 0 0 0 0 0 0 0 0 36 0 0 0 0 0 0 0 0
29 2042 72 67 40 0 0 0 0 0 0 0 0 37 0 0 0 0 0 0 0 0
30 2043 73 68 41 0 0 0 0 0 0 0 0 38 0 0 0 0 0 0 0 0
31 2044 74 69 42 0 0 0 0 0 0 0 0 39 0 0 0 0 0 0 0 0
32 2045 75 70 43 0 0 0 0 0 0 0 0 40 0 0 0 0 0 0 0 0
33 2046 76 71 44 0 0 0 0 0 0 0 0 41 0 0 0 0 0 0 0 0
34 2047 77 72 45 0 0 0 0 0 0 0 0 42 0 0 0 0 0 0 0 0
35 2048 78 73 46 0 0 0 0 0 0 0 0 43 0 0 0 0 0 0 0 0
36 2049 79 74 47 0 0 0 0 0 0 0 0 44 0 0 0 0 0 0 0 0
37 2050 80 75 48 0 0 0 0 0 0 0 0 45 0 0 0 0 0 0 0 0
38 2051 81 76 49 0 0 0 0 0 0 0 0 46 0 0 0 0 0 0 0 0
39 2052 82 77 50 0 0 0 0 0 0 0 0 47 0 0 0 0 0 0 0 0
40 2053 83 78 51 0 0 0 0 0 0 0 0 48 0 0 0 0 0 0 0 0
41 2054 84 79 52 0 0 0 0 0 0 0 0 49 0 0 0 0 0 0 0 0
42 2055 85 80 53 0 0 0 0 0 0 0 0 50 0 0 0 0 0 0 0 0
43 2056 86 81 54 0 0 0 0 0 0 0 0 51 0 0 0 0 0 0 0 0
44 2057 87 82 55 0 0 0 0 0 0 0 0 52 0 0 0 0 0 0 0 0
45 2058 88 83 56 0 0 0 0 0 0 0 0 53 0 0 0 0 0 0 0 0
46 2059 89 84 57 0 0 0 0 0 0 0 0 54 0 0 0 0 0 0 0 0
47 2060 90 85 58 0 0 0 0 0 0 0 0 55 0 0 0 0 0 0 0 0
48 2061 91 86 59 0 0 0 0 0 0 0 0 56 0 0 0 0 0 0 0 0
49 2062 92 87 60 0 0 0 0 0 0 0 0 57 0 0 0 0 0 0 0 0
50 2063 93 88 61 0 0 0 0 0 0 0 0 58 0 0 0 0 0 0 0 0
Age : Child Future Planning - Future Need for Nikunj Patel
Total Requirement : >>>>
Child Future Planning - Future Need for Ankita Patel

27. Sr. No. Year Samir Patel Ekta Patel
Need-Buying a
New House
Need-New
Motor Car
Need-New
Activa
Scooter for
Ankita
Need-New
Motor Bike
Dream-
Buying A
Farm House
Dream-Create
Wealth
0-0 0-0 0-0
Dream-
Domestic
Tour
Dream-Long
Tour
Total Amount
to be
required.
Funds to be
required to
provide regular
expenses from
Retirement year
onwards.
Retirement
Need Provision -
For Medical
Exp.
Retirement
Need Provision -
Lumpsum Need
Retirement
Need Provision -
For Tour - Yatra
Retirement
Need Provision -
For Donation
Total Amount
to be
required.
5352902 1628133 99950 151090 15127998 5000000 0 0 0 274834 1468591 29103498 70663066 505447 22920183 134639 269277 94492612
1 2014 44 39 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2 2015 45 40 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
3 2016 46 41 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
4 2017 47 42 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
5 2018 48 43 5352902 0 0 0 0 0 0 0 0 0 0 5352902 0 0 0 0 0 0
6 2019 49 44 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7 2020 50 45 0 1628133 0 0 0 0 0 0 0 37591 0 1665724 0 0 0 0 0 0
8 2021 51 46 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
9 2022 52 47 0 0 99950 0 0 0 0 0 0 0 0 99950 0 0 0 0 0 0
10 2023 53 48 0 0 0 0 0 0 0 0 0 44771 0 44771 0 0 0 0 0 0
11 2024 54 49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
12 2025 55 50 0 0 0 151090 0 0 0 0 0 0 0 151090 0 0 0 0 0 0
13 2026 56 51 0 0 0 0 0 0 0 0 0 53323 0 53323 0 0 0 0 0 0
14 2027 57 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
15 2028 58 53 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
16 2029 59 54 0 0 0 0 0 0 0 0 0 63509 0 63509 0 0 0 0 0 0
17 2030 60 55 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
18 2031 61 56 0 0 0 0 0 0 0 0 0 0 0 0 1349747 505447 22920183 134639 269277 25179293
19 2032 62 57 0 0 0 0 15127998 0 0 0 0 75640 151280 15354917 1485272 0 0 0 0 1485272
20 2033 63 58 0 0 0 0 0 0 0 0 0 0 0 0 1631542 0 0 0 0 1631542
21 2034 64 59 0 0 0 0 0 0 0 0 0 0 0 0 1789430 0 0 0 0 1789430
22 2035 65 60 0 0 0 0 0 0 0 0 0 0 180177 180177 1959888 0 0 0 0 1959888
23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 0 2143941 0 0 0 0 2143941
24 2037 67 62 0 0 0 0 0 5000000 0 0 0 0 0 5000000 2342706 0 0 0 0 2342706
25 2038 68 63 0 0 0 0 0 0 0 0 0 0 214594 214594 2557391 0 0 0 0 2557391
26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0 2789306 0 0 0 0 2789306
27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 0 3039872 0 0 0 0 3039872
28 2041 71 66 0 0 0 0 0 0 0 0 0 0 255584 255584 3310629 0 0 0 0 3310629
29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 0 3603250 0 0 0 0 3603250
30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 0 3919547 0 0 0 0 3919547
31 2044 74 69 0 0 0 0 0 0 0 0 0 0 304405 304405 4261488 0 0 0 0 4261488
32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 0 4631207 0 0 0 0 4631207
33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 0 5031022 0 0 0 0 5031022
34 2047 77 72 0 0 0 0 0 0 0 0 0 0 362551 362551 5463447 0 0 0 0 5463447
35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 0 5931213 0 0 0 0 5931213
36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 0 6437285 0 0 0 0 6437285
37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 0 6984881 0 0 0 0 6984881
38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
41 2054 84 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
42 2055 85 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
43 2056 86 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
44 2057 87 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
45 2058 88 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
46 2059 89 84 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
47 2060 90 85 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
48 2061 91 86 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
49 2062 92 87 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
50 2063 93 88 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Age :
Total Requirement : >>>>
Future Financial Need & Dream Retirement Need

28. Marriage
Expenses
For start in
life
Marriage
Expenses
Buying a New
House
New Motor
Car
New Motor
Bike
Regular Regular Lumpsum Lumpsum Regular Regular Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum Lumpsum
0 0 0 1356542 0 0 4584037 1326649 5352902 1628133 0 151090 0 0 0 0 0
0% 0% 0% 20% 0% 0% 75% 70% 75% 30% 0% 50% 0% 0% 0% 0% 0%
0 0 0 271308 0 0 3438027 928654 4014677 488440 0 75545 0 0 0 0 0
0 0 0 2027 0 0 2030 2033 2018 2020 0 2025 0 0 0 0 0
0 0 0 Yes 0 0 Yes Yes Yes Yes 0 Yes 0 0 0 0 0
0 0 0
6 - Gold /
Silver /
Ornaments
0 0
5 - Shop /
Office
Premises
4 - Jewellery /
Gold
Ornaments
1 - Residential
Building / Flat
2 - Four
Wheelers
0
3 - Two
Wheelers
0 0 0 0 0
0 0 0 515707 0 0 2292018 1547874 3190704 76528 0 3389 0 0 0 0 0
0 0 0 271308 0 0 2292018 928654 3190704 76528 0 3389 0 0 0 0 0
0 0 0 0 0 0 1146009 0 823973 411912 0 72156 0 0 0 0 0
0% 0% 0% No 0% 0% Yes No Yes Yes 0% Yes 0% 0% 0% 0% 0%
0% 0% 0% 0% 0% 0% 100% 0% 100% 100% 0% 100% 0% 0% 0% 0% 0%
0 0 0 0 0 0 1146009 0 823973 411912 0 72156 0 0 0 0 0
0% 0% 0% No 0% 0% No No Yes Yes 0% No 0% 0% 0% 0% 0%
0% 0% 0% 0% 0% 0% 0% 0% 9% 12% 0% 12% 0% 0% 0% 0% 0%
0 0 0 0 0 0 0 0 10 5 0 5 0 0 0 0 0
0 0 0 0 0 0 0 0 10438 9163 0 1605 0 0 0 0 0
0 0 0 0 0 0 0 0 125253 109953 0 19261 0 0 0 0 0
0 0 0 1085234 0 0 1146009 397995 1338226 1139693 0 75545 0 0 0 0 0
0 0 0 244398 0 0 0 619220 0 0 0 0 0 0 0 0 0
Particulars
Planning For-Nikunj Patel Future Need & DreamPlanning For-Ankita Patel
Projected Loan Payment Period (in Years)
Monthly Installments
How much % of funding you wants through loan?
Goal Funding Amount from Future Loan
Future Loan to be paid from your Income?
If Yes, Please fill up following details
How much amount, you wants to utilise through Assets?
Outstanding Goal Amount After funding from Assets
Wants to take loan in future for goal funding?
Amount to be required in year / from year?
Wants to utilise current assets for goal funding?
Name of Assets, if you wants to use against Goal
Funding
Estimated Interest Rate (%) on Future Loan (if any)
Yearly Loan Payment
After funding from loan (if any ) - Remaining Goal Amount to
be mapped with Financial Investment Account
Balance of Assets amount (if any) after goal funding to be
transfer to cash flow account
Requirement / Need type
Total Amount to be required for Financial Goal?
How much % of funding you expect through Assets Sale OR
Future Loan?
Goal Funding amount expected through Assets Sale OR
Future Loan.
Assets value to be available to utilise for Goal funding in that
year

29. Sr. No. Year Samir Patel Ekta Patel
0 2013 43 38 110667 0 110667 0 0 78057 78057 188723 0 188723
1 2014 44 39 27500 27500 0 0 55000 79600 0 79600 37500 0 427244 464744 544344 0 0 55000 544344
2 2015 45 40 30250 30250 0 0 60500 68350 0 68350 690500 0 500000 1190500 1258850 0 0 60500 1258850
3 2016 46 41 33275 33275 0 0 66550 12367 0 12367 0 0 776380 776380 788747 0 0 66550 788747
4 2017 47 42 95167 36603 0 0 131769 0 0 0 75000 0 86446 161446 161446 0 0 131769 161446
5 2018 48 43 104683 40263 5352902 4014677 1483171 0 0 0 0 0 0 0 0 0 0 1483171 0
6 2019 49 44 115151 44289 0 0 159440 0 0 0 175800 0 0 175800 175800 0 0 159440 175800
7 2020 50 45 126667 126667 1665724 488440 1430617 0 0 0 0 132903 0 132903 132903 0 0 1430617 132903
8 2021 51 46 214359 139333 0 0 353692 0 0 0 0 0 0 0 0 0 0 353692 0
9 2022 52 47 235795 153267 99950 0 489012 0 0 0 0 0 0 0 0 0 0 489012 0
10 2023 53 48 259374 168593 44771 0 472739 0 0 0 0 0 0 0 0 0 0 472739 0
11 2024 54 49 427968 427968 0 0 855935 0 0 0 0 0 0 0 0 0 0 855935 0
12 2025 55 50 470764 470764 151090 75545 1017074 0 0 0 0 0 0 0 0 0 0 1017074 0
13 2026 56 51 517841 517841 53323 0 1089005 0 0 0 0 0 0 0 0 0 0 1089005 0
14 2027 57 52 1356542 759500 0 271308 1844734 0 0 0 937500 1207923 0 2145423 2145423 0 0 1844734 2145423
15 2028 58 53 0 835450 0 0 835450 0 0 0 0 0 0 0 0 0 0 835450 0
16 2029 59 54 0 918995 63509 0 982503 0 0 0 1034400 0 0 1034400 1034400 0 0 982503 1034400
17 2030 60 55 0 4584037 0 3438027 1146009 0 0 0 0 0 0 0 0 0 0 1146009 0
18 2031 61 56 0 0 0 0 0 0 0 0 0 0 0 0 0 25179293 15176675 25179293 15176675
19 2032 62 57 0 0 15354917 0 15354917 0 0 0 0 0 0 0 0 1485272 0 16840190 0
20 2033 63 58 0 1326649 0 928654 397995 0 0 0 0 0 0 0 0 1631542 0 2029536 0
21 2034 64 59 0 0 0 0 0 0 0 0 0 0 0 0 0 1789430 0 1789430 0
22 2035 65 60 0 0 180177 0 180177 0 0 0 0 0 0 0 0 1959888 0 2140064 0
23 2036 66 61 0 0 0 0 0 0 0 0 0 0 0 0 0 2143941 0 2143941 0
24 2037 67 62 0 0 5000000 0 5000000 0 0 0 0 0 0 0 0 2342706 0 7342706 0
25 2038 68 63 0 0 214594 0 214594 0 0 0 0 0 0 0 0 2557391 0 2771985 0
26 2039 69 64 0 0 0 0 0 0 0 0 0 0 0 0 0 2789306 0 2789306 0
27 2040 70 65 0 0 0 0 0 0 0 0 0 0 0 0 0 3039872 0 3039872 0
28 2041 71 66 0 0 255584 0 255584 0 0 0 0 0 0 0 0 3310629 0 3566214 0
29 2042 72 67 0 0 0 0 0 0 0 0 0 0 0 0 0 3603250 0 3603250 0
30 2043 73 68 0 0 0 0 0 0 0 0 0 0 0 0 0 3919547 0 3919547 0
31 2044 74 69 0 0 304405 0 304405 0 0 0 0 0 0 0 0 4261488 0 4565893 0
32 2045 75 70 0 0 0 0 0 0 0 0 0 0 0 0 0 4631207 0 4631207 0
33 2046 76 71 0 0 0 0 0 0 0 0 0 0 0 0 0 5031022 0 5031022 0
34 2047 77 72 0 0 362551 0 362551 0 0 0 0 0 0 0 0 5463447 0 5825998 0
35 2048 78 73 0 0 0 0 0 0 0 0 0 0 0 0 0 5931213 0 5931213 0
36 2049 79 74 0 0 0 0 0 0 0 0 0 0 0 0 0 6437285 0 6437285 0
37 2050 80 75 0 0 0 0 0 0 0 0 0 0 0 0 0 6984881 0 6984881 0
38 2051 81 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
39 2052 82 77 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40 2053 83 78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
41 2054 84 79 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
42 2055 85 80 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
43 2056 86 81 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
44 2057 87 82 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
45 2058 88 83 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Amount
Of Future
Need /
Dreams /
Retirement
Need Etc.
Regular
Income from
Debt
Investment
(Other than
MF)
Mutual Fund
Regular
Withdrawal
(SWP)
Income from Investment
Total inflow
through
Interest / Sys.
Withdrawal
from
Investment
Account
Inflow through Maturity Proceeds.
Investments Account
Total Income /
Maturity
Proceeds
Amount from
Traditional Plan
Aggregate Amt. of
Need & Fund
Required Net Total Amount of Goal Funding
(Other than Retirement Need)
Inflow through Maturity proceeds of Life Insurance Schemes / Fixed Return Schemes & Interest Income on
Investments. ( For Other than Retirement Need )
Retirement Need
Total Inflow
throgh
Maturity
Proceeds &
Investment
Income,
Retirement
Fund Etc.
Summary Data -
For Child Future Need / Other Future Need &
Dreams / Retirement Needs
&
Funds available through Maturity proceeds
of Investment / Interest Income & Retirement
Benefit / PPF A/c. Etc.
Total Amount
of Goal
Funding to be
from Sale of
Assets &
Future Loan -
Rs.
Child Future
Planning -
Future Need
for Ankita
Patel
Child Future
Planning -
Future Need
for Nikunj
Patel
Future
Financial
Need &
Dream
Total Amount -
Post
Retirement
Expenses &
Funding Need
- Rs.
Retirement
Benefit /
Investment
Maturity
proceeds of
Retirement
Account
Total inflow
through
Maturity
proceeds of
Investment
Account
Total Inflow -
Investment
Income &
Maturity
Proceeds of
Investment
Account
Net Amount
to be required
from
Financial
Investment
Portfolio - Rs.
Total Income /
Maturity
Proceeds
Amount from
Unit Linked
Plan
Total Amount of
Maturity
Proceeds from
Postal
Schemes /
Bonds - NCD /
FDR

30. Year
Sr. No.
upto
Retireme
nt
Year Age
Opening
Balance
( Investments
in Direct
Equity & MF)
( 1 )
C/F - Cash -
Net Balance -
From Earning
Cash Flow
( 2 )
Inflow of
Maturity
Amount
(See Annexure
)
( 3 )
Net Flow
During the
Year
(4)
(2+3)
Available
Balance for
Funding
( 5 )
(1+4)
Fund Require
for - Future
Financial
Need / Goals
( 6 )
Balance After
Fundings
( 7 )
( 5-6 )
Opening
Balance of
SIP A/c. at
Each Year
( 8 )
Possible Goal
fundings from
SIP Corpus
( 9 )
( 8-7)
SIP Balance
After
Fundings
( 10 )
( 8-9)
Outstanding /
Shortfall of
Goal Amount
( 11 )
( 7-9)
Weighted
Average Rate
of Return
( Stock + MF
Portfolio)
( 11 )
Return on
Balance
Amount
(13)
( 7 x 12)
Closing
Balance
( On Cash
Basis)
(14)
(7+13)
Possible Goal
Achievement
(Financial
Investment)
Amt. Rs.
Possible Goal
Achievement
%wise
Shortfall in
Goal Amt. Rs.
Shortfall in
Goal %wise
Primary Cash
Flow Shortfall
0 2013 43 1691868 0 188723 188723 1880591 110000 1770591 0 0 94883 0 0.00% 0 1770591 56708977 44% 72327058 56% 0
1 2014 44 1770591 101929 544344 646274 2416865 55000 2361865 94883 0 227326 0 9.20% 217289 2579154 55000 100% 0 0% 0
2 2015 45 2579154 17441 1258850 1276291 3855445 60500 3794945 227326 0 394081 0 9.20% 349131 4144076 60500 100% 0 0% 0
3 2016 46 4144076 124771 788747 913518 5057594 66550 4991044 394081 0 600663 0 9.20% 459171 5450215 66550 100% 0 0% 0
4 2017 47 5450215 131022 161446 292468 5742683 131769 5610914 600663 0 853476 0 9.44% 529632 6140546 131769 100% 0 0% 0
5 2018 48 6140546 201439 0 201439 6341986 1483171 4858814 853476 0 1159950 0 9.44% 458639 5317453 1483171 100% 0 0% 0
6 2019 49 5317453 25979 175800 201779 5519232 159440 5359792 1159950 0 1528713 0 9.44% 505928 5865720 159440 100% 0 0% 0
7 2020 50 5865720 51364 132903 184267 6049987 1430617 4619370 1528713 0 1969778 0 9.44% 436037 5055407 1430617 100% 0 0% 0
8 2021 51 5055407 -78701 0 -78701 4976706 353692 4623014 1969778 0 2494766 0 12.00% 554762 5177775 353692 100% 0 0% 0
9 2022 52 5177775 -101630 0 -101630 5076145 489012 4587134 2494766 0 3117170 0 12.00% 550456 5137590 489012 100% 0 0% 0
10 2023 53 5137590 -127322 0 -127322 5010268 472739 4537529 3117170 0 3852649 0 12.00% 544503 5082032 472739 100% 0 0% 0
11 2024 54 5082032 -57636 0 -57636 5024396 855935 4168461 3852649 0 4712871 0 12.00% 500215 4668677 855935 100% 0 0% 0
12 2025 55 4668677 -82053 0 -82053 4586624 1017074 3569550 4712871 0 5717887 0 12.00% 428346 3997896 1017074 100% 0 0% 0
13 2026 56 3997896 -331 0 -331 3997565 1089005 2908561 5717887 0 6890975 0 12.00% 349027 3257588 1089005 100% 0 0% 0
14 2027 57 3257588 212505 2145423 2357928 5615516 1844734 3770783 6890975 0 8259153 0 12.00% 452494 4223277 1844734 100% 0 0% 0
15 2028 58 4223277 -42823 0 -42823 4180454 835450 3345005 8259153 0 9847271 0 12.00% 401401 3746405 835450 100% 0 0% 0
16 2029 59 3746405 47277 1034400 1081677 4828082 982503 3845579 9847271 0 11690687 0 12.00% 461469 4307048 982503 100% 0 0% 0
17 2030 60 4307048 30060 0 30060 4337108 1146009 3191099 11690687 0 13830440 0 12.00% 382932 3574031 1146009 100% 0 0% 0
18 2031 61 3574031 -13382 15176675 15163293 18737324 25179293 -6441969 20790007 6441969 14348037 0 8.00% 1147843 15495880 25179293 100% 0 0% 0
0 2032 62 15495880 537215 0 537215 16033095 16840190 -807095 0 0 0 807095 8.00% 0 0 16033095 95% 807095 5% 0
0 2033 63 0 1180718 0 1180718 1180718 2029536 -848819 0 0 0 848819 8.00% 0 0 1180718 58% 848819 42% 0
0 2034 64 0 587001 0 587001 587001 1789430 -1202430 0 0 0 1202430 8.00% 0 0 587001 33% 1202430 67% 0
0 2035 65 0 613781 0 613781 613781 2140064 -1526283 0 0 0 1526283 8.00% 0 0 613781 29% 1526283 71% 0
0 2036 66 0 641889 0 641889 641889 2143941 -1502052 0 0 0 1502052 8.00% 0 0 641889 30% 1502052 70% 0
0 2037 67 0 0 0 0 0 7342706 -7342706 0 0 0 7342706 8.00% 0 0 0 0% 7342706 100% 0
0 2038 68 0 0 0 0 0 2771985 -2771985 0 0 0 2771985 8.00% 0 0 0 0% 2771985 100% 0
0 2039 69 0 0 0 0 0 2789306 -2789306 0 0 0 2789306 8.00% 0 0 0 0% 2789306 100% 0
0 2040 70 0 0 0 0 0 3039872 -3039872 0 0 0 3039872 8.00% 0 0 0 0% 3039872 100% 0
0 2041 71 0 0 0 0 0 3566214 -3566214 0 0 0 3566214 8.00% 0 0 0 0% 3566214 100% 0
0 2042 72 0 0 0 0 0 3603250 -3603250 0 0 0 3603250 8.00% 0 0 0 0% 3603250 100% 0
0 2043 73 0 0 0 0 0 3919547 -3919547 0 0 0 3919547 8.00% 0 0 0 0% 3919547 100% 0
0 2044 74 0 0 0 0 0 4565893 -4565893 0 0 0 4565893 8.00% 0 0 0 0% 4565893 100% 0
0 2045 75 0 0 0 0 0 4631207 -4631207 0 0 0 4631207 8.00% 0 0 0 0% 4631207 100% 0
0 2046 76 0 0 0 0 0 5031022 -5031022 0 0 0 5031022 8.00% 0 0 0 0% 5031022 100% 0
0 2047 77 0 0 0 0 0 5825998 -5825998 0 0 0 5825998 8.00% 0 0 0 0% 5825998 100% 0
0 2048 78 0 0 0 0 0 5931213 -5931213 0 0 0 5931213 8.00% 0 0 0 0% 5931213 100% 0
0 2049 79 0 0 0 0 0 6437285 -6437285 0 0 0 6437285 8.00% 0 0 0 0% 6437285 100% 0
0 2050 80 0 0 0 0 0 6984881 -6984881 0 0 0 6984881 8.00% 0 0 0 0% 6984881 100% 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0 0 0% 0 0% 0
SIP Cash Flow ( Incl. Retirement Fund) Shortfall, Return & Closing Balance
Year Wise Goal Gap / Shortfall Analysis
Financial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal MappingFinancial Investment Portfolio - Cash Flow with Goal Mapping
Lumpsum - Financial Investment + Retirement Portfolio

31. Required Goal
Amount Rs.
Required
Lumpsum
Investment
Required
Amount Rs.
Required
Lumpsum
Investment
Required Goal
Amount Rs.
Required
Lumpsum
Investment
Required
Monthly
Investment
Required
Amount Rs.
Required
Lumpsum
Investment
Required
Monthly
Investment
Required Goal
Amount Rs.
Required
Lumpsum
Investment
Required
Regular
Investment
Required
Amount Rs.
Required
Lumpsum
Investment
Required
Regular
Investment
Monthly Monthly
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25000 1 / 3 91025 77812 0 0 0 0 0 0 0 0 0 0 0 0 0 0
65000 4 / 4 0 0 0 0 441668 273407 5844 0 0 0 0 0 0 0 0 0
100000 8 / 3 0 0 0 0 0 0 0 0 0 0 709528 255117 3397 0 0 0
150000 11 / 3 0 0 0 0 0 0 0 0 0 0 1416572 362540 3748 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
600000 14 / 1 0 0 0 0 0 0 0 0 0 0 1356542 277575 2372 0 0 0
91025 77812 0 0 441668 273407 5844 0 0 0 3482643 895233 9517 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25000 1 / 6 91025 77812 0 0 121154 78506 1678 0 0 0 0 0 0 0 0 0
65000 7 / 4 0 0 0 0 126667 69291 850 0 0 0 461193 165826 2208 0 0 0
150000 11 / 3 0 0 0 0 0 0 0 0 0 0 1416572 362540 3748 0 0 0
200000 14 / 3 0 0 0 0 0 0 0 0 0 0 2513944 457950 3913 0 0 0
2000000 17 / 1 0 0 0 0 0 0 0 0 0 0 4584037 667639 4876 0 0 0
500000 17 / 1 0 0 0 0 0 0 0 0 0 0 1326649 147905 1030 0 0 0
91025 77812 0 0 247821 147797 2528 0 0 0 10302395 1801861 15776 0 0 0
4000000 5 / 1 0 0 0 0 5352902 3479019 59688 0 0 0 0 0 0 0 0 0
950000 7 / 1 0 0 0 0 1628133 890645 10929 0 0 0 0 0 0 0 0 0
50000 9 / 1 0 0 0 0 0 0 0 0 0 0 99950 36043 437 0 0 0
60000 12 / 1 0 0 0 0 0 0 0 0 0 0 151090 38781 374 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 6981035 4369664 70617 0 0 0 251040 74824 811 0 0 0
6984881 17 / 1 0 0 0 0 0 0 0 0 0 0 70663066 3931403 39497 65202652 3313709 33291
100000 17 / 1 0 0 0 0 0 0 0 0 0 0 505447 65728 660 0 0 0
10000000 17 / 1 0 0 0 0 0 0 0 0 0 0 22920183 2980531 29944 0 0 0
50000 17 / 1 0 0 0 0 0 0 0 0 0 0 134639 17508 176 0 0 0
100000 17 / 1 0 0 0 0 0 0 0 0 0 0 269277 35017 352 0 0 0
0 0 0 0 0 0 0 0 0 0 94492612 7030187 70629 65202652 3313709 33291
5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 15127998 1821517 12685 580175 69857 486
5000000 17 / 1 0 0 0 0 0 0 0 0 0 0 5000000 409735 2853 5000000 409735 2853
250007 / Every 3 Year 0 0 0 0 37591 20563 252 0 0 0 237243 46103 514 75640 9108 63
50000 17 / Every 3 Year 0 0 0 0 0 0 0 0 0 0 1468591 95431 665 1468591 95431 665
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 37591 20563 252 0 0 0 21833832 2372786 16717 7124406 584131 4068
182050 155624 0 0 7708115 4811432 79241 0 0 0 130362522 12174890 113449 72327058 3897840 37359
Financial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal ShortfallFinancial Goalwise - Gross Investment Need & Investment Need for Goal Shortfall
Graduation & Higher Education
Post Graduation & Master Degree
0
For Short Term Need - Next 3 Years -Investment
required @ 8%
For Full Goal Amount For Shortfall
Present Cost of
Goal OR Target
Goal Amount
Selected Financial Goal
For Donation
Buying A Farm House
Create Wealth
Domestic Tour
Long Tour
For start in life
Marriage Expenses
Buying a New House
New Motor Car
New Activa Scooter for Ankita
New Motor Bike
Retirement
Corpus &
Provision
Future
Dreams
Planning
For-
Ankita
Patel
For Tour - Yatra
Future
Need
0
Marriage Expenses
Pre-Primary & Primary Education
Graduation & Higher Education
Post Graduation & Master Degree
0
Secondary & Higher Sec. Education
Planning
For-
Nikunj
Patel
0
0
Today onwards -
available years
for Regular
Investment
&
Funds
requirement for
No. of Years
0
For Medical Exp.
Lumpsum Need
Funds to be required to provide
regular expenses from Retirement
year onwards.
Pre-Primary & Primary Education
Secondary & Higher Sec. Education
For Medium Term Need -4 to 7 Years - Investment required @9%
For Long Term Need -8 to 18 Years - Investment required @12% & 19 years
onwards - Post Retirement @8%
For ShortfallFor Full Goal Amount For Shortfall For Full Goal Amount

32. 0% 0%
100% 0%
100% 0%
100% 0%
100% 0%
0% 0%
100% 0%
100% 0%
0% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
100% 0%
0% 0%
0% 0%
100% 0%
8% 92%
100% 0%
100% 0%
100% 0%
100% 0%
31% 69%
96% 4%
0% 100%
72% 28%
0% 100%
0% 0%
67% 33%
48% 52%
Possible Goal
Achievement
%wise
Shortfall in
Goal %wise Financial Goal Gap Analysis
Future
Dreams
FutureFinancial
Goal
Retirement
Planning
ChildFuturePlanning
Financial Goal Particulars
Planning
For-
Ankita
Patel
Fund for - Pre-Primary & Primary Education
Fund for - Secondary & Higher Sec. Education
Fund for - Graduation & Higher Education
Fund for - Post Graduation & Master Degree
Fund for - Marriage Expenses
Planning
For-
Nikunj
Patel
Fund for -- Secondary & Higher Sec. Education
Fund for -- Graduation & Higher Education
Aggregate :
Retirement
Corpus &
Provision
Funds to be required to provide regular
expenses from Retirement year onwards.
Retirement Need Provision - For Medical Exp.
Retirement Need Provision - Lumpsum Need
Retirement Need Provision - For Tour - Yatra
Retirement Need Provision - For Donation
Dream - Fund for - Buying A Farm House
Dream - Fund for - Create Wealth
Dream - Fund for - Domestic Tour
Dream - Fund for - Long Tour
FutureFinancialGoal
Future
Need
Need - Fund for - Buying a New House
Need - Fund for - New Motor Car
Need - Fund for - New Activa Scooter for Ankita
Need - Fund for - New Motor Bike
Fund for -- Post Graduation & Master Degree
Fund for -- For start in life
Fund for -- Marriage Expenses
Fund for -- Pre-Primary & Primary Education
0
500000
1000000
1500000
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds Funds to be required
0%
20%
40%
60%
80%
100%
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds
0
1000000
2000000
3000000
4000000
5000000
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds Funds to be required
0%
20%
40%
60%
80%
100%
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds
0
2000000
4000000
6000000
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds Funds to be required
0%
20%
40%
60%
80%
100%
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds
0
10000000
20000000
30000000
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds Funds to be required
0
10000000
20000000
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds Funds to be required
0%
50%
100%
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds
0%
50%
100%
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
2034
2036
2038
2040
2042
2044
2046
2048
2050
Funds to be available Shortfall in Funds

33. 55000
60500
66550
131769
1483171
159440
1430617
353692
489012
472739
855935
1017074
1089005
1844734
835450
982503
1146009
25179293
16840190
2029536
1789430
2140064
2143941
7342706
2771985
2789306
3039872
3566214
3603250
3919547
4565893
4631207
5031022
5825998
5931213
6437285
6984881
0
5000000
10000000
15000000
20000000
25000000
30000000
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
Yearwise Amountwise Goal Gap Analysis
Shortfall in Funds
Funds to be available
Funds to be required
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050
Yearwise %wise Goal Gap Analysis

34. Navsari
Pre-Primary
& Primary
Education
Secondary
& Higher
Sec.
Education
Graduation
& Higher
Education
Post
Graduation
& Master
Degree
Marriage
Expenses
Total
Amount Rs.
Pre-Primary
& Primary
Education
Secondary
& Higher
Sec.
Education
Graduation
& Higher
Education
Post
Graduation
& Master
Degree
Marriage
Expenses
Total
Amount
0 91025 441668 709528 1416572 0 1356542 4015335
0 High High High High 0 High
Goal Funding through Sale of Assets
0 0 0 0 0 0 271308 271308
0 25000 65000 100000 150000 0 600000 940000
Goal Funding through Future Loan
0 0 0 0 0 0 0 0
Goal Funding through Financial Investments
0 91025 441668 709528 1416572 0 1085234 3744027
Goal Cost / Expenses Will Grow @% wise 0% 10% 10% 10% 10% 0% 6%
Goal Shortfall
0 0 0 0 0 0 0 0
OR @Amountwise year on year 0 0 0 0 0 0 0 0% 100% 100% 100% 100% 0% 100% 100%
0% 0% 0% 0% 0% 0% 0% 0%
0 1 4 8 11 0 14
0 2014 2017 2021 2024 0 2027
0 3 4 3 3 0 1
0 2016 2020 2023 2026 0 2027
0 1 4 8 11 0 14
0 2014 2017 2021 2024 0 2027
0 12 15 19 22 0 25
0 2014 0 0 0 0 0 0 0 0 0 0 0 0
0 91025 0 0 0 0 0 91025 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Lumpsum 0 77812 0 0 0 0 0 77812 Lumpsum 0 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum
Investment
Require /
Opening
Balance
Pre-Primary
& Primary
Education
Secondary
& Higher
Sec.
Education
Graduation
& Higher
Education
Post
Graduation
& Master
Degree
Marriage
Expenses
Total
Needs
Interest on
Balance
Amt.
Closing
Balance
Lump sum
Investment
Require /
Opening
Balance
Pre-Primary
& Primary
Education
Secondary
& Higher
Sec.
Education
Graduation
& Higher
Education
Post
Graduation
& Master
Degree
Marriage
Expenses
Total Needs
Interest on
Balance
Amt.
Closing
Balance
1 2013 43 8% 77812 6225 84037 0 0 0
2 2014 44 8% 84037 0 27500 0 0 0 0 0 27500 4523 61060 0 0 0 0 0 0 0 0 0 0 0
3 2015 45 8% 61060 0 30250 0 0 0 0 0 30250 2465 33275 0 0 0 0 0 0 0 0 0 0 0
4 2016 46 8% 33275 0 33275 0 0 0 0 0 33275 0 0 0 0 0 0 0 0 0 0 0 0 0
Your Selection - Planning For-
Ankita Patel
Required Amount
This period
is remain
same in
most of
time,
except if
there is
early
retirement
desired
before Fin.
Goal year
arrival.
Required in Year / From Year
Financial Goal Priority
To be required in Year / Or / Goal start beginning from Year
Current Cost / Expenses -You wants to provide :
Inflation Effect
Years left to Financial Goal Arrival
Requirement up to Year
Regular Investment to be required for No. of Years from today onwards
Requirement for Period / Total No. of Years
Regular Investment to be required up to year from today onwards
Financial Goal / Requirement - will start - Child age at each goal stage
ForShortTerm-GrossNeed
Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
Investment to be required @%
8%
Pre Retirement Period
Short Term
Requirement (if any)
Shortfall of Goal Amount (% wise ) : :
Calculating with your actual cash flow. :
Goal Status Summary ::
After analysing - Earnings & Investment Cash Flow
Amount required to be invest after calculating & analysing future earning & Investment cash flow.
How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost? How much shortfall in your future goal & amount required to be invest for shortfall in goal?
ForShortTerm-ShortfallAmt.
Planning For-Ankita Patel
Particulars ::
Total Amount of Future Goal : -
To be required - (Amount Rs. ) :
Possible Achievement of Future Goal
(Amount Rs. ) : :
with your Actual Cash Flow :
Goal Funding through Sale of Assets
Goal Funding through Future Loan
Goal Funding through Financial
Investments
Shortfall of Goal Amount : :
Calculating with your actual cash flow. :
Possible Achievement of Goal (%wise )
with your Actual Cash Flow :
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Pre-Primary &
Primary
Education
Secondary &
Higher Sec.
Education
Graduation &
Higher
Education
Post
Graduation &
Master
Degree
Marriage
Expenses
Goal Shortfall
Goal Funding through
Financial Investments
Goal Funding through Future
Loan
Goal Funding through Sale of
Assets

35. Navsari
0 0 2017 0 0 0 0 0 0 0 0 0 0 0
0 0 441668 0 0 0 0 441668 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Lumpsum 0 0 273407 0 0 0 0 273407 Lumpsum 0 0 0 0 0 0 0 0
Monthly 0 0 5844 0 0 0 0 5844 Monthly 0 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum
Investment
Require /
Opening
Balance
Pre-Primary
& Primary
Education
Secondary
& Higher
Sec.
Education
Graduation
& Higher
Education
Post
Graduation
& Master
Degree
Marriage
Expenses
Total
Needs
Interest on
Balance
Amt.
Closing
Balance
Lump sum
Investment
Require /
Opening
Balance
Pre-Primary
& Primary
Education
Secondary
& Higher
Sec.
Education
Graduation
& Higher
Education
Post
Graduation
& Master
Degree
Marriage
Expenses
Total Needs
Interest on
Balance
Amt.
Closing
Balance
1 2013 43 9% 273407 24607 298014 0 0 0 0
2 2014 44 9% 298014 0 0 0 0 0 0 0 0 26821 324835 0 0 0 0 0 0 0 0 0 0 0
3 2015 45 9% 324835 0 0 0 0 0 0 0 0 29235 354070 0 0 0 0 0 0 0 0 0 0 0
4 2016 46 9% 354070 0 0 0 0 0 0 0 0 31866 385937 0 0 0 0 0 0 0 0 0 0 0
5 2017 47 9% 385937 0 0 95167 0 0 0 0 95167 26169 316939 0 0 0 0 0 0 0 0 0 0 0
6 2018 48 9% 316939 0 0 104683 0 0 0 0 104683 19103 231359 0 0 0 0 0 0 0 0 0 0 0
7 2019 49 9% 231359 0 0 115151 0 0 0 0 115151 10459 126667 0 0 0 0 0 0 0 0 0 0 0
8 2020 50 9% 126667 0 0 126667 0 0 0 0 126667 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 2021 2024 0 2027 0 0 0 0 0 0 0
0 0 0 709528 1416572 0 1356542 3482643 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 2021 2024 0 2027 0 0 0 0 0 0 0
0 0 0 709528 1416572 0 1356542 3482643 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pre Retirement 12%
Post
Retirement
8% Lumpsum 0 0 0 255117 362540 0 277575 895233 Lumpsum 0 0 0 0 0 0 0 0
Monthly 0 0 0 3397 3748 0 2372 9517 Monthly 0 0 0 0 0 0 0 0
Quarterly 0 0 0 10156 11249 0 7149 28554 Quarterly 0 0 0 0 0 0 0 0
Half Yearly 0 0 0 20208 22509 0 14392 57109 Half Yearly 0 0 0 0 0 0 0 0
Yearly 0 0 0 40014 45037 0 29123 114174 Yearly 0 0 0 0 0 0 0 0
Monthly 0 0 0 3911 4592 0 3108 11611 Monthly 0 0 0 0 0 0 0 0
Quarterly 0 0 0 11681 13750 0 9330 34761 Quarterly 0 0 0 0 0 0 0 0
Half Yearly 0 0 0 23212 27418 0 18675 69305 Half Yearly 0 0 0 0 0 0 0 0
Yearly 0 0 0 45853 54515 0 37391 137760 Yearly 0 0 0 0 0 0 0 0
Monthly 0 0 0 4483 5584 0 4025 14092 Monthly 0 0 0 0 0 0 0 0
Quarterly 0 0 0 13389 16698 0 12053 42141 Quarterly 0 0 0 0 0 0 0 0
Half Yearly 0 0 0 26606 33242 0 24042 83890 Half Yearly 0 0 0 0 0 0 0 0
Yearly 0 0 0 52546 65886 0 47831 166264 Yearly 0 0 0 0 0 0 0 0
Pre
Retirement
Regular
Investment
Amount is
suggested
upto Goal
Starting
Year
OR
Upto
Retirement
Year -
Whichever
is arising
earlier.
Amount required to be invest after calculating & analysing future earning & Investment cash flow.
How much shortfall in your future goal & amount required to be invest for shortfall in goal?
Post
Retirement
Consolidate
d
Requirement
9%
SIP OR Other Regular
Investment
recommendations are for
need arising after 5 Years
from today and upto Goal
Starts OR Retirement
period starts,whichever
arises earlier only.-
@Projected Return ->>
ForLongTerm-ShortfallAmt.
Regular
Investment
Amount is
suggested
upto Goal
Starting
Year
OR
Upto
Retirement
Year -
Whichever
is arising
earlier.
Required in Year / From Year
Long Term
Requirement
Pre
Retirement
Required Amount
Required in Year / From Year
Required Amount
Consolidat
ed
Requireme
Post
Retirement
Required in Year / From Year
Required Amount
15%
Required Amount
15%
How much amount is to be required in future with inflation effect & how much amount is to be invested today for entire future goal cost?
Lumpsum Investment to be required @%
ForMediumTerm-GrossNeedForLongTerm-GrossNeed
Required in Year / From Year
Medium Term
Requirement (if any)
Investment to be required @%
12%
Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow. Amount required to be invest after calculating & analysing future earning & Investment cash flow.
ForMediumTerm-ShortfallAmt.
Gross - Lumpsum Or Regular Cash amount required to be invest before analysing future earning & Investment cash flow.
Pre Retirement Period
9%

36. Navsari
0 0 0 255117 362540 0 277575 895233 0 0 0 0 0 0 0 0
0 0 0 3397 3748 0 2372 9517 0 0 0 0 0 0 0 0
Sr. No. Year Age Rate of Return
Lump sum
Investment
Require /
Opening
Balance
N.A.
Pre-Primary
& Primary
Education
Secondary
& Higher
Sec.
Education
Graduation
& Higher
Education
Post
Graduation
& Master
Degree
N.A.
Marriage
Expenses
Total
Needs
Interest on
Balance
Amt.
Closing
Balance
Lump sum
Investment
Require /
Opening
Balance
Pre-Primary
& Primary
Education
Secondary
& Higher
Sec.
Education
Graduation
& Higher
Education
Post
Graduation
& Master
Degree
Marriage
Expenses
Total Needs
Interest on
Balance
Amt.
Closing
Balance
1 2013 43 12% 895233 107428 1002660 0 0 0
2 2014 44 12% 1002660 0 0 0 0 0 0 0 0 120319 1122980 0 0 0 0 0 0 0 0 0 0 0
3 2015 45 12% 1122980 0 0 0 0 0 0 0 0 134758 1257737 0 0 0 0 0 0 0 0 0 0 0
4 2016 46 12% 1257737 0 0 0 0 0 0 0 0 150928 1408666 0 0 0 0 0 0 0 0 0 0 0
5 2017 47 12% 1408666 0 0 0 0 0 0 0 0 169040 1577706 0 0 0 0 0 0 0 0 0 0 0
6 2018 48 12% 1577706 0 0 0 0 0 0 0 0 189325 1767030 0 0 0 0 0 0 0 0 0 0 0
7 2019 49 12% 1767030 0 0 0 0 0 0 0 0 212044 1979074 0 0 0 0 0 0 0 0 0 0 0
8 2020 50 12% 1979074 0 0 0 0 0 0 0 0 237489 2216563 0 0 0 0 0 0 0 0 0 0 0
9 2021 51 12% 2216563 0 0 0 214359 0 0 0 214359 240264 2242468 0 0 0 0 0 0 0 0 0 0 0
10 2022 52 12% 2242468 0 0 0 235795 0 0 0 235795 240801 2247474 0 0 0 0 0 0 0 0 0 0 0
11 2023 53 12% 2247474 0 0 0 259374 0 0 0 259374 238572 2226672 0 0 0 0 0 0 0 0 0 0 0
12 2024 54 12% 2226672 0 0 0 0 427968 0 0 427968 215845 2014549 0 0 0 0 0 0 0 0 0 0 0
13 2025 55 12% 2014549 0 0 0 0 470764 0 0 470764 185254 1729039 0 0 0 0 0 0 0 0 0 0 0
14 2026 56 12% 1729039 0 0 0 0 517841 0 0 517841 145344 1356542 0 0 0 0 0 0 0 0 0 0 0
15 2027 57 12% 1356542 0 0 0 0 0 0 1356542 1356542 0 0 0 0 0 0 0 0 0 0 0 0 0
16 2028 58 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
17 2029 59 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
18 2030 60 12% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
19 2031 61 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
20 2032 62 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
21 2033 63 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
22 2034 64 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
23 2035 65 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
24 2036 66 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
25 2037 67 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
26 2038 68 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
27 2039 69 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
28 2040 70 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
29 2041 71 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
30 2042 72 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
31 2043 73 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
32 2044 74 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
33 2045 75 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
34 2046 76 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
35 2047 77 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
36 2048 78 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
37 2049 79 8% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
38 2050 80 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
39 2051 81 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
40 2052 82 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
41 2053 83 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
42 2054 84 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
43 2055 85 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
44 2056 86 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
45 2057 87 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
46 2058 88 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
47 2059 89 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
48 2060 90 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
49 2061 91 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
50 2062 92 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
51 2063 93 0% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Lump sum Investment to be required for each Goal
ForLongTerm-GrossNeed
ForLongTerm-ShortfallAmt.
Monthly Investment (up to Goal Start ) to be required for each Goal