The Financial Plan identifies your present financial condition and what you want to achieve

future. Based on the information we have obtained during our meeting, a comprehensive fi
plan has been developed for you which will provide you a guidance on your financial object

The scope of your financial plan is as follows:

Your income- expenses analysis- this analyses your current income & expenses, your inv
and savings
Goal analysis- identifies and analyses the requirements for your various financial goals in
your children goals
Retirement planning analyses your post-retirement needs and a suitable solution which
those needs
Insurance planning identifies your insurance requirement against possible risks.
Cash flow gives you an understanding of your future cash inflows and outflows at variou
stages in your life
Taking every aspect into consideration, this report will give you an insight into your financia
goals and a suitable action plan for them.

hat you want to achieve in

eting, a comprehensive financial
e on your financial objectives.

me & expenses, your investments

various financial goals including
suitable solution which addresses

st possible risks.
s and outflows at various
insight into your financial

While creating financial plan we have based our calculations on certain assumptions.
The financial plan & the various requirements are based on your present financial conditio
The average inflation rate assumed is 8% p.a. till your lifetime.
You & your spouse are expecting a growth in salary at an average rate of 8% p.a.
The provident fund accumulation & expected gratuity for you & your wife have been calcu
assuming a growth of 8% p.a. in the basic salary for both of you.
The increase in cost of all your goals has been assumed at 8% p.a.
You & your spouse have planned to retire at your respective age of 55 & 45 years.
The annuity rate is assumed as 6% p.a.
The life expectancy for you and your wife has been taken at your respective age of 80.
The weighted rate of return based on your risk profile is 9.90 % p.a., which has been cons
for all your long-term goals & portfolio till retirement; while for short-term goals, a
weighted return of 6% is considered.

rtain assumptions.
present financial condition.

e rate of 8% p.a.
our wife have been calculated,

of 55 & 45 years.

respective age of 80.

.a., which has been considered
rt-term goals, a

Name
X
Y
Z

Relationship Age Occupation

Wife
Salaried
Daughter
Student
Son
Infant

X
Y
X/Y
X
Y
Vacation
Vacation

Goal Name
Graduation
Graduation
Retirement
Education Fund
Marriage
Marriage

Years to Goal Present Cost of Goal Inflation Rate

12
3,000,000
8%
16
3,000,000
8%
19 600000 p.a
8%
15
1,000,000
8%
20
1,000,000
8%
27
1,000,000
8%
1
2
500,000
8%
2
7
500,000
8%

Goal Priority
1
2
3
4
5
6
7
8

Amount(Rs)
Source of Income
Salary of Self
Rental Income
Spouse Income
Total

Expense Type
Household
Entertainment
Medical
Education
Traveling
Holiday
Home Loan EMI
Personal Loan EMI
Other Expenses
Term Insurance Premiums
Total
Annual Savings

110,000 1,320,000
12,000 144,000
43,700 524,400
165,700 1,988,400

Spouse
Self

Monthly Yearly
30,000 360,000
5,000
60,000
1,000
12,000
5,500
66,000
3,500
42,000
12,500 150,000
15,500 186,000
11,750 141,000
5,000
60,000
3,976
47,712
93,726 1,124,712
863,688

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