GROUP - 3

CASE STUDY OF MR. ANURAG

Age:- 37 yrs
1 daughter (9yrs)
Wife expired, and he is confined to wheelchair for the
rest of the life.
Income of 3.5 lakhs p.a. that depends upon the
assignments, i.e., irregular income. Tax payable @10%
He recently incurred a loss of 1.5 lakh by investing in
stocks.
 PARENTS ASSETS

PARENTS EXPENSES
ASSETS AMOUNT (in Rs)
Bank FD 5 lakhs (assume return 8%p.a.)
Bank FD 5 lakhs
Shares of Blue Chip companies 3 lakhs
Shares
Cash atof Blue Chip companies
Bank 340,000
lakhs (assume return3%p.a.)

Cash in
at Hand
Bank 15,000
40,000
 PERSONAL EXPENSES

EXPENSES AMOUNT (RS) AMOUNT (RS)

(monthly) (yearly)
1. Medical 7000 84000

2. Helper 2500 30000

3. Daughter 3000 36000 appx

schooling
4. Parents expenses 2000 24000 appx

5. Household 5000 60000

expenses
TOTAL 19,500 2,34,000 appx
 GOAL SHEET

GOAL PRIORITY ESTIMATED TIME FRAME

RANKING VALUE
Regular 1 15,000 p.m.
income
Daughter 2 3,000 p.m. 9yrs
schooling
Daughters 3 8,00,000 After Appx 10
marriage yrs

Daughter 4 8,00,000 After Appx 10

higher yrs
education
 SUGGESTIONS:

1.Assuming that his parents support him, he can earn rental income
of appx Rs 15,000 per month.
2.He can also invest in some term policy, so that his daughter’s
future is secure.
3. He should cut down his expenses on gadgets .
4. His parents can make anurag their assets nominee.
5.He should withdraw money from stocks and invest in post office
schemes.
6.He can invest in mutual fund for 10 yrs.
CALCULATIONS:

MUTUAL
Mutual FUND
fund AMOUNT
Investment amt- 4 lakh
Assumed average return- 15%
Future value- 16,18,223.09