Sample Financial Plan for Mahesh

8/3/2019 Sample Financial Plan for Mahesh

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Strictly Private & Confidential

Mahesh & Family

Financial Plan of

Valueraj Advisors Pvt. Ltd. Page 1 of 35

Valueraj Advisors Private Limited

II Floor, Plot #41, Vijayapuri Colony, Opp. Canara Bank, A.S.Rao Nagar, Hyderabad - 50002

Mobile: 9052002624, Email: [email protected], Website: www.valueraj.com

Prepared By

Peddareddy Rajasekhar, CFP



2/35

Financial Plan for Mahesh and Family

Sr. No. Section Page No.

Executive Summary

1 Key Points 6

2 Your Needs & Funding Summary 7

3 Investment Actions 8

4 Asset Allocation 9

5 Insurance Actions 10

Family Details & Assumptions

1 Family Details 12

2 Investment Returns Assumptions 13

Investment Plan

1 Children's Future 16

3 Retirement Corpus 17

4 Olf-age Illness 18

5 International Vacation 19

Insurance Plan

1 Life Insurance 21

2 Accidental Disability Insurance 23

3 General Insurance 25

Appendix

1 Risk Profile 27

3 Utilization of Retirement Corpus 28

4 Data Gathering Form 29

Contents



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Frida , 2 December, 2011

MaheshPlot No.22Nav u EnclaveBe um etH derabad

Dear Mr. Mahesh

Thank you for giving us an opportunity to prepare your Financial Plan. We appreciate your proactive

approach in attaining financial freedom and fulfilling commitments made to your family members and

take control of your personal finance matters.

The enclosed Financial Plan for your family assesses your future financial needs and provides

Financial recommendations and an action plan to address them on a timely basis.

The plan is prepared on the information provided by you based on your current circumstances and

future financial objectives. Please read the plan carefully to check for accuracy of the information

provided. However, it needs to be monitored on an ongoing basis and updated in response to

changes in your own circumstances and other factors, such as government regulations, market

movements and macro economy.

We shall be glad to provide you with our ongoing services to implement & monitor your Financial Planto ensure you meet your financial needs. Kindly read our disclaimer & disclosure on the next page.

Please feel free to contact us if you need any clarifications or information.

Thanking you once again

Yours Sincerely

____________________

Peddareddy Rajasekhar, CFP

Valueraj Advisors Private Limited



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A Investment Plan: High Priority Needs1 You would like to arrange funds (Rs 1,000,000 in today's terms) for Lavanya's graduation by the time

she turns 18. You need to invest Rs 5,171/- per month starting now.

2 You would like to arrange funds (Rs 500,000 in today's terms) for Lavanya's marriage by the time she

turns 25. You need to invest Rs 1,296/- per month starting now.

3 You would like to arrange corpus for your life after retirement at 60 and you would like to maintain

the same lifestyle as is prior to retirement. You need a corpus of Rs 2,71,39,168/- by the time you turn

60 and you need to invest Rs 11,090/- per month starting now.

B Investment Plan: Medium Priority Needs4 You would like to arrange funds (Rs 500,000 in today's terms) for any old-age illness after 25 years

from now. You need to invest Rs 818/- per month starting now.

C Investment Plan: Low Priority Needs5 You would like to arrange funds (Rs 300,000 in today's terms) for an international vacation with your

family after 5 years from now. You need to invest Rs 4,838/- per month starting now.

D Insurance Plan6 In addition to your current assets/investments, you need to have a life insurance cover for Rs

65,61,078/-. This cover can meet all future needs of your family in case of any untoward incidents to

your life.

7

In addition to your current assets/investments, you need to have a Personal Accident insurance cover

for Rs 88,60,539/-. This cover can meet all future needs of yourself and your family in case of any

untoward accidents to you which may result in permanent disablement.

8

If you do not have yet, a continuous heatlh insurance plan for whole family is recommended. For this,

a Family Floater policy with a cover of Rs 300,000/- is recommended for your family size. This must be

in addition to the cover provided by your employer, as employer cover ceases once you leave the job

termporarily or permanently.

9

If you do not have yet, a comprehensive vehicle insurance policy for your vehicle is recommended.

This shall cover any damage to your vehicle and also any death/damage to public/vehicles by your

vehicle.

Key Points

Total Investments Per Month: Rs 17,557

Total Investments Per Month: Rs 818

Total Investments Per Month: Rs 4,838



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Sr. No. Need Year Present Cost Future CostCurrent Assets

Assigned

Future

Amount from

Current

Assets

Future Inve

1 Children's Future

Lavanya - Graduation 2024 1,000,000 2,110,910 0 Monthly SIP

Lavanya - Marriage 2031 500,000 1,587,014 0 Monthly SIP

2 Retirement Corpus 2036 NA 27,139,168 0 Monthly S

3 Old-age Illness 2036 500,000 2,145,935 0 Monthly SI

4 International Vacation 2016 300,000 401,468 0 Monthly SI

Your Needs & Funding Summary

Valueraj Advisors Pvt. Ltd.


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Sr. No. Need PriorityTarget

YearFuture Invests

No of

Years to

invest

Amount

(INR)

Scheme

(recommended)

CR

Rat

1 Children's Future

Lavanya - Graduation High 2024 Monthly SIP 13 5,171Birla Sun LifeDividend Yield CPR2

Lavanya - Marriage High 2031 Monthly SIP 20 1,296 HDFC Equity Fund CPR2

2 Retirement Corpus High 2036 Monthly SIP 25 11,090 HDFC Top 200 CPR2

3 Old-age Illness Medium 2036 Monthly SIP 25 818Reliance Equity

Opportunities CPR3

4 International Vacation Low 2016 Monthly SIP 5 4,838

Reliance Equity

Opportunities

Fund

CPR3

Investment Actions



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Need Equity Fund Debt F

Lavanya - Graduation @ 2024: Rs 5171 per month 11 2

Lavanya - Marriage @ 2031: Rs 1296 per month 18 2

Retirement Corpus @ 2036: Rs 11090 per month 23 2

Old-age Illness @ 2036: Rs 818 per month 23 2

International Vacation @ 2016: Rs 4838 per month 3 2

Lavanya - Marriage @ 2031: per month

International Vacation @ 2016: Rs

4838 per month

Need-based Asset Allocation

Equity Fund Debt Fund


Lavanya - Graduation @ 2024: Rs

5171 per month

per month

0 5 10 15 20

Years from Now -->



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S.No Type

Insurance Cover

(Recommended) For Remarks/Notes

1 Life Insurance 6,561,078 Self

On-line Term Plans are

recommended for for their low

cost.

2 Accidental Disability Insurance 8,860,539 Self

Personal Accident Insurance

policy with Permanent

Disablement feature is

recommended.

3 Health Insurance 300,000 FamilyFamily floater policies are

recommended for their low cost.

4 Motor Insurance IDV of the vehicle PersonalVehicle

Comprehensive policy inlcuding

statutory third-party cover is

recommended.

Insurance Actions



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Family Details & Assumptions



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Particulars

Name

Date of Birth

Current Age

Retirement Age

Life Expectancy

Monthly Take-home

Income

% Income Increase

Children

Particulars

Name

Date of Birth

Current Age

Dependents

Particulars

Name

Date of Birth

Current Age

Expenses

Particulars Monthly Amount Annual Amount

Household expenses 25000 300000

Lifestyle expenses 10000 120000

Other Assumptions

Plan Date Economic Inflation

2-Dec-11 6%

Risk Profile

Category

Aggressive

Family Details

Husband Wife

Mahesh Parvathi

35 30

21-Jun-76 12-Jan-82

5% 0%

60 60

80 80

100000 0

Child-1

Lavanya

29-Sep-06

5

Child-2

0

N.A

0

66 0

Mother N.A

Lalitha Kumari 0

9-Jul-45 N.A



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Particulars Liquid Debt GoldUrban Real

EstateEquity

Total

Return

Real Returns on Asset Class (1989-

2010, Source: CLSA; Real-estate:

NHB Residex)

0.00% 3.65% 1.22% 7.01% 9.08%

Economic Inflation (Assumed) 6.00% 6.00% 6.00% 6.00% 6.00%

Nominal Returns on Asset Class 6.00% 9.87% 7.29% 13.43% 15.62%

Typical Asset Allocation:

Liquid Fund 100.00% 0.00% 0.00% 0.00% 0.00% 6.00%

Debt Fund 5.00% 95.00% 0.00% 0.00% 0.00% 9.68%

MIP (Growth Option) 5.00% 70.00% 0.00% 0.00% 25.00% 11.11%

Balanced Fund 5.00% 25.00% 0.00% 0.00% 70.00% 13.70%

Equity Fund 5.00% 0.00% 0.00% 0.00% 95.00% 15.14%

Retirement Corpus 10.00% 65.00% 0.00% 0.00% 25.00% 10.92%

Insurance Claim Proceeds 10.00% 60.00% 10.00% 0.00% 20.00% 10.38%

Remaining years for NeedAnnual

Return

0 6.00%

1 9.68%

2 9.68%

3 11.47%

4 12.38%

5 12.92%

6 13.29%

7 13.55%

8 13.75%

9 13.91%

10 14.03%

11 14.13%

12 14.21%

13 14.28%

14 14.35%

First 8 years in Equity Fund; Last 2 years in Debt Fund











Investment Returns Assumptions

Asset Allocation (For Aggressive Risk Profile)

Liquid Fund

Debt Fund

Debt Fund




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15 14.40%

16 14.45%

17 14.49%

18 14.52%

19 14.56%

20 14.58%

21 14.61%

22 14.64%

23 14.66%

24 14.68%

25 14.70%

26 14.71%

27 14.73%

28 14.74%

29 14.76%

30 14.77%

31 14.78%

32 14.79%

33 14.80%

34 14.81%

35 14.82%

36 14.83%

37 14.84%

38 14.85%

39 14.86%

40 14.86%





























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Investment Plan



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Steps Child's Name

Needs Graduation Post Graduation Marriage Graduation Post

Step I Quantify Need

Current AgeAge at Need 18 22 25 18

Remaining Years for Need 13 17 20 18

Year of Need 2024 2028 2031 2029

Present Cost of Need 1,000,000 0 500,000 0

Step II Future Cost of Need

Expected Inflation of Expenses 6.00% 6.00% 6.00% 6.00%

Future Expense Amount 2,110,910 0 1,587,014 0

Step III Utilization of Current Assets

Current Assets Utilized 0 0 0 0Step IV Fresh Investment Required

Shortfall to met by Fresh Investments 2,110,910 0 1,587,014 0

Start investing after (no. of years) 0 0 0 0

Stop investing before (no. of years) 0 0 0 0

Expected Investment Returns 14.21% 14.45% 14.56% 14.52%

Lumpsum Investment Required (if

available384,073 0 107,345 0

(OR) Monthly Investment Required 5,171 0 1,296 0

Lavanya

5

Children's Future



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Steps Particulars Amount Remarks/Notes

Step I Current ExpensesHousehold Expenses 25,000

Lifestyle Expenses 10,000

Retired life expenses as % of pre-retirement life 100%

Total Monthly Expenses 35,000

Total Annual Expenses 420,000

Step II Future Expenses at Retirement

Inflation 6.00%

No. of Years for Retirement 25

Retirement Year 2036

Expenses in the First Year of Retirement 1,753,763

Step III Corpus Required to Fund Retirement Expenses

No. of Years in Retirement 26

Inflation during Retirement Years 6.00%

Net Tax on Investment Income 0.00%

Investment Returns on Retirement Corpus 10.92%

Net Returns 4.64%

Retirement Corpus Required 27,139,168

Step IV Utilization of Current Assets & Benefits

EPF 0

Gratuity 0

Superannuation 0

Total Current Assets Utilized 0

Step V Fresh Investment Required

Deficit (Corpus Required-Assets Utilized) 27,139,168

Start investing after (no. of years) 0

Stop investing before (no. of years) 0

Expected Investment Returns 14.68%

Lumpsum Investment Required (If Available) 943,309

(OR) Monthly Investments Required 11,090

Retirement Corpus



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Step I Future Cost of Treatment

Current Cost of Treatment 500,000

Inflation 6.00%

Current Age 35

Remaining Years for Need 25

Expected Age of Going for Treatment 60

Year of Need 2036

Future Cost of Treatment 2,145,935

Step II Utilization of Current Assets


Step III Fresh Investment Required

Deficit (Corpus Required-Assets Utilized) 2,145,935





(OR) Monthly Investment Required 818

Old-age Illness



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Step I Future Cost of Vacation

Current Cost of Vacation 300,000

Inflation 6.00%

Current Age 35

Remaining Years for Need 5

Expected Age of Going for Vacation 40

Year of Need 2016

Future Cost of Vacation 401,468

Step II Utilization of Current Assets


Step III Fresh Investment Required

Deficit (Corpus Required-Assets Utilized) 401,468





(OR) Monthly Investment Required 4,838

International Vacation



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Insurance Plan



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Step I Insurance For Outstanding Liabilities

Home Loan Outstanding Balance 0

Vehicle Loan Outstanding Balance 234,000

Personal Loan Outstanding Balance 0

Any Other Loan Outstanding Balance 0

Cover Required for Total Outstanding Loans 234,000

Step II Insurance For Children's Needs

Children's Schooling & Pre-university Education 307,726

Children's Graduation & Post-graduation 595,320

Children's Marriage 224,258

Cover Required for Children's Needs 1,127,304

Step III Insurance For Dependents

Contribution to Dependents 1,301,392

Cover Required for Dependents 1,301,392

Step IV Insurance For Future Expenses of Family

Current Monthly Household Expenses 25,000

Current Monthly Lifestyle Expenses 10000

Current Monthly Total Expenses 35,000

Life Insurance Cover


Discounting Factor ("Insured Person" Expenses of25% An Assumption

Net Monthly Expenses 26,250

Current Annual Expenses 315,000

Present Age of Spouse 30

Life Expectancy of Spouse 80

Remaining Life of Spouse 50

Inflation Rate 6.00%


Investment Returns on insurance claim/corpus 10.38%

Net Returns 4.13%

Cover Required for Future Expenses of Family 6,898,382

Step V Total Life Insurance Required 9,561,078



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Step VI Resources Available

Total Life Insurance Sum Assured (Existing Policies, if

an0

Total Investment Assets Current Value 3,000,000

Present Value of Future Earnings by Spouse 0

Total Resources Available 3,000,000

Step VII Additional Life Insurance Cover Required 6,561,078

Valueraj Advisors Pvt. Ltd. Page 22 of 35Valueraj Advisors Pvt. Ltd. Page 22 of 35


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Step I Insurance For Outstanding Liabilities

Home Loan Outstanding Balance 0

Vehicle Loan Outstanding Balance 234,000

Personal Loan Outstanding Balance 0

Any Other Loan Outstanding Balance 0

Cover Required for Total Outstanding Loans 234,000

Step II Insurance For Children's Needs

Children's Schooling & Pre-university Education 307,726

Children's Graduation & Post-graduation 595,320

Children's Marriage 224,258

Cover Required for Children's Needs 1,127,304

Step III Insurance For Dependents

Contribution to Dependents 1,301,392

Cover Required for Dependents 1,301,392

Step IV Insurance For Future Expenses of Family

Current Monthly Household Expenses 25,000

Current Monthly Lifestyle Expenses 10000

Current Monthly Total Expenses 35,000

Accidental Disability Insurance Cover


Discounting Factor 0%"Insured Person" is alive

Net Monthly Expenses 35,000

Current Annual Expenses 420,000

Present Age of Spouse 30

Life Expectancy of Spouse 80

Remaining Life of Spouse 50

Inflation Rate 6.00%


Investment Returns on insurance claim/corpus 10.38%

Net Returns 4.13%

Cover Required for Future Expenses of Family 9,197,843

Step V Total Accidental Disability Insurance Required 11,860,539



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Step VI Resources Available

Total Accidental Disability Insurance Sum Assured

Existin Policies if an0

Total Investment Assets Current Value 3,000,000

Present Value of Future Earnings by Spouse 0

Total Resources Available 3,000,000

Step VII Additional Accidental Disability Insurance Cover 8,860,539

Valueraj Advisors Pvt. Ltd. Page 24 of 35Valueraj Advisors Pvt. Ltd. Page 24 of 35


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S.No Type

Insurance Cover

(Recommended) For Remarks/Notes

1 Health Insurance 300,000 FamilyFamily floater policies are

recommended for their low cost.

2 Motor Insurance IDV of the vehiclePersonal

Vehicle

Comprehensive policy inlcuding

statutory third-party cover is

recommended.

General Insurance Cover



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Appendix



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Sr. No. Instrument Answer Points

1How familiar are you with the investment markets

and share investments?b 6

2Equity assets can counter the eroding effect of

inflation but is risky in short-term.c 8

3Which of the following risk/return scenarios would

you be most comfortable with?c 8

4What would you do if your investment dropped in

value from an initial Rs.1,000 to Rs.850d 10

5If you were investing in a share portfolio, which of

the following would suit you best?c 8

Profile is Aggressive Score is 40

Debt Equity

0-20 Conservative 75%-100% 0%-25% MIP

21-30 Moderate 20%-40% 60%-80% Balanced Funds

31-50 Aggressive 0%-20% 80%-100% Equity Funds

Your Risk Profile

Score Risk Profile Category

Asset AllocationSuitable Mutual

Fund Types*

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



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Age Corpus Income / Expense Balance Balance Growth

61 27,139,168 1,753,763 25,385,405 28,157,758

62 28,157,758 1,858,989 26,298,769 29,170,871

63 29,170,871 1,970,528 27,200,342 30,170,905

64 30,170,905 2,088,760 28,082,145 31,149,010

65 31,149,010 2,214,086 28,934,924 32,094,922

66 32,094,922 2,346,931 29,747,991 32,996,784

67 32,996,784 2,487,747 30,509,037 33,840,945

68 33,840,945 2,637,011 31,203,933 34,611,730

69 34,611,730 2,795,232 31,816,498 35,291,194

70 35,291,194 2,962,946 32,328,248 35,858,832

71 35,858,832 3,140,723 32,718,109 36,291,270

72 36,291,270 3,329,166 32,962,104 36,561,912

73 36,561,912 3,528,916 33,032,995 36,640,545

74 36,640,545 3,740,651 32,899,894 36,492,908

75 36,492,908 3,965,090 32,527,818 36,080,197

76 36,080,197 4,202,996 31,877,201 35,358,526

77 35,358,526 4,455,175 30,903,351 34,278,321

78 34,278,321 4,722,486 29,555,835 32,783,643

79 32,783,643 5,005,835 27,777,808 30,811,436

80 30,811,436 5,306,185 25,505,251 28,290,692

81 28,290,692 5,624,556 22,666,136 25,141,516

82 25,141,516 5,962,030 19,179,486 21,274,087

83 21,274,087 6,319,752 14,954,336 16,587,50684 16,587,506 6,698,937 9,888,569 10,968,505

85 10,968,505 7,100,873 3,867,632 4,290,018

86 4,290,018 7,526,925 -3,236,907 -3,590,411

87 -3,590,411 7,978,541 -11,568,952 -12,832,403

88 -12,832,403 8,457,253 -21,289,656 -23,614,710

89 -23,614,710 8,964,688 -32,579,398 -36,137,410

90 -36,137,410 9,502,570 -45,639,980 -50,624,345

Utilization of Retirement Corpus



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Data Gathering Form

1

2

Data Gathering Formfor

Financial Plan

Mention NA (Not Applicable) for questions that do not relate to your circumstances.

Fill out this questionnaire accurately and completely to the best of your knowledge.

Personal Details

Family Details

Guidelines for filling the form

Confidentiality of Data & Documents

As a CFP Certificant, I abide by FPSB India's Code of Ethics including Confidentiality Clause.

Fill the form under the guidance of a Certified Financial Planner (CFP Certificant)

Present & Provide photocopy of documents wherever required.

Also, I shall ensure safety and protection of client data & documents.

Sections of the Form

Involve your spouse in the data gathering process.


3

4

5

6

7

8

9

10

9

10

11

12

Client Name Date (dd/mm/yy) 02/Dec/2011

Planner Name Client Code 001Peddareddy Rajasekhar, CFP

Data Gathering Meeting Details

Mahesh

Your Risk Profile

Declaration & Documents

Quotation of Financial Planning fees

Communication Details

Major Needs: Children's Future, House Purchase, Car Purchase, Retirement Corpus

Family Expenses

Assets

Liabilities

Family Income

Scope of Work

Other Needs

Assumptions



30/35

Data Gathering Form

Particulars

Name

Work Details

Designation

Company

Date of Birth (dd/mm/yy)

Current Age

Particulars

Name

Current Status

Financially Dependent


Current Age

Particulars

Personal Details

Other Dependents

Mobitel

Family Details

Dependent-2Dependent-1

N.A

Technical Managerr N.A

Salaried employee

29-Sep-06 N.A

30

Parvathi

Husband

Mahesh

35

Wife

0

5 0

Homemaker

21-Jun-76 12-Jan-82

Child-2Child-1

Pre-school

Yes N.A

N.A

Lavanya

Salaried employee Homemaker

Pre-school N.A

Yes N.A

Mother N.A

Yes N.A


Name

Relationship

Financially Dependent


Current Age

Particulars

Mobile No.

Email ID

Communication Address Plot No.22 Navyug Enclave Begumpet Hyderabad

Yes N.A

9-Jul-45 N.A

66

[email protected] [email protected]

N.A

0

0

Mother

Lalitha Kumari

Mahesh

Communication Details

9034503433 9052654534

Parvathi

Salaried employee Homemaker

Pre-school N.A

Yes N.A

Mother N.A

Yes N.A



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Data Gathering Form

Child-1 Name

Need Graduation Post Graduation Marriage Others

Age at Need 18 22 25 N.A

Current Cost 1,000,000 0 500,000 N.A

Priority (H/M/L) High N.A High N.A

Child-2 Name

Need Graduation Post Graduation Marriage Others

Age at Need 18 22 25 N.A

Current Cost 0 0 0 0

Priority (H/M/L) N.A N.A N.A N.A

Area (in Sq Ft) No. of Years N.A

Current Rate per Sq Ft Loan Funding (%) N.A

N.A

Major Needs

0

Children's Future

House Purchase

N.A

Children's Future

Lavanya

High N.A High N.A

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

No No

N.A

N.A


.

Total Cost Priority (H/M/L) N.A

Current Cost No. of Years N.A

Additional Costs (in %) Loan Funding (%) N.A

Total Cost (On-road price) Down Payment (%) N.A

Or Min-Max Price Range Priority (H/M/L) N.A

Name

Plans of Early Retirement

Retirement Age

Life Expectancy

.

No

Retirement Corpus

Mahesh

60

80

Parvathi

N.A

N.A

N.A

Car Purchase

N.A

N.A

80

60

No

High N.A High N.A

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

No No

N.A

N.A



32/35

Data Gathering Form

Need Yes/No Timeframe Current Cost Priority (H/M/L)

Old-age Illness Yes 25 500,000 Medium

International Vacation Yes 5 300,000 Low

Home Renovation N.A N.A N.A N.A

Holiday Home Purchase N.A N.A N.A N.A

Capital for New Business N.A N.A N.A N.A

Family Gift N.A N.A N.A N.A

Charity N.A N.A N.A N.A

Child-birth Expenses N.A N.A N.A N.A

Estate for Children N.A N.A N.A N.A

Others N.A N.A N.A N.A

Benefits

Monthly Take-home

salary/income

Average annual increment

expected5% 5 0% 0

Latest EPF Contribution

amount

0

Mahesh

Other Needs

Family Income

100,000

Parvathi

0 0

Yes

Yes

N.A

N.A

N.A

N.A

N.A

N.A

N.A

N.A

Medium

Low

N.A

N.A

N.A

N.A

N.A

N.A

N.A

N.A


Latest Superannuation

Contribution amount

Latest Superannuation

balance amount

Working since (in years)

Monthly Annual % of Income

10,000 120,000

9,000 108,000

1,000 12,000

2,000 24,000

1,000 12,000

1,000 12,000

1,000 12,000

25,000 300,000 25%

2,000 24,000

Family expenses

0

0

House Maintenance / Repair

House Rent

Medicines / Doctor / Healthcare

Electricity / Water / Labour / AMCs

Conveyance, Fuel & Maintenance

0

0

Particulars

Clothes & Accessories

Food & Grocery

Household Expenses

Mobile / Telephone / Internet

0

0

Yes

Yes

N.A

N.A

N.A

N.A

N.A

N.A

N.A

N.A

Medium

Low

N.A

N.A

N.A

N.A

N.A

N.A

N.A

N.A



33/35

Data Gathering Form

2,000 24,000

2,000 24,000

2,000 24,000

2,000 24,000

10,000 120,000 10%

2,000 24,000

8,000 96,000

10,000 120,000 10%

100 100%

6 6%

Mahesh Parvathi Joint/Others

0 0 0

0 0 0

0 0 0

0 0 0

Total Liquid Assets

Receivables from Friends & Family

Fixed Deposits

Children's Schooling/College Expenses

Shopping, Gifts, Whitegoods, Gadgets

Travel & Annual Vacations

Dependent Expenses

Personal Care / Others

Economic Inflation

Lifestyle Expenses

Contribution to Dependents

Savings Bank/Cash in Hand

Dining / Movies / Sports

Retired Life Expenses as % of Pre-retirement Life Expenses

Assumptions

Particulars

Assets


0 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

1,000,000 0 0

2,000,000 0 0

3,000,000 0 0Total Investment Assets

Gold / Silver (ETFs/Bars/ Coins)

u c rov en un a ance

EPF Balance

NSC / POMIS / KVP / RDs etc

Debt Mutual Funds

Real Estate Investments Excluding Primary Residence

Gratuity Eligibility

Superannuation Balance

Total Debt Assets

Direct Equity

Equity Mutual Funds

Total Equity Assets

Bonds/Debentures/CDs



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35/35

Data Gathering Form

Your Needs Yes/No Your Needs Yes/No Remarks

Children's Future Yes Holiday Home N.A

House Purchase No Capital for New N.A

Car purchase No Family Gift N.A

Retirement Corpus Yes Charity N.A

Old-age Illness Yes Child-birth Expenses N.A

International Vacation Yes Estate for Children N.A

Home Renovation N.A Others N.A

Type Yes/No Type Yes/No Remarks

Life Insurance Yes General Inusurance Yes

No

Investment Plan

Please check all the above details once again and confirm. (Yes/No)

Insurance Plan

Further to the Data Gathering Meeting held, we shall be covering the following in your Financial Plan to give you

recommendations on Investment and Insurance actions based on Needs-Oriented Analysis;

Quotation of Financial Planning Fees

Based on the above scope of work we shall be charging you the following Professional Fee.

Scope of Work

Yes Yes

No

Planner Signature Place

Planner Name Date

Client Signature Place

Client Name Date

Professional Fee for above mentioned scope of work

Amount

Rs. 0

Rs. 0

Particulars

Total Amount

Declaration & Document Submission

Rs. 0

The Financial Plan document will be created and delivered to you as soon as possible. If satisfied with the plan,kindly issue the cheque in the name of "Valueraj Advisors Private Limited" within one week of receiving the

document. If not satisfied, please provide your comments/feedback so as to make appropriate amendments.

I understand that the Financial Plan prepared and the recommendations provided in the plan will only be as

accurate as the data and documents that has been collected during this data gathering meeting. I declare that to

the best of my knowledge, the information & documents provided is complete and accurate.

Service Tax @ 10.3%

Yes Yes

No