Personal Financial Report of

Rajesh Sharma & Family

Family Details
Sr. No. Names of Family Members & Relation Remarks Age
1 Rajesh Sharma Service Salaried 34
2 Nisha Sharma Service Salaried 30
3 Rohit NA 4
4 Priya NA 2

Income Expenditure Statement

Sr.No. Family Inflows (after taxes) Annual Amount
1 Husband Salary Enter - Ask Client ₹ 2,000,000
2 Wife Salary Enter - Ask Client ₹ 1,200,000
3 Rental Income Enter - Ask Client ₹ 120,000
4 Investment Income Enter - Ask Client
5 Other Incomes Enter - Ask Client
Total Inflows ₹ 3,320,000
Sr.No. Family Outflows Annual Amount
1 Household Expenses Enter - Ask Client ₹ 700,000
2 Life Style Expenses Enter - Ask Client ₹ 300,000
3 Dependent Expenses Enter - Ask Client ₹ -
4 Insurance Premiums Enter - Ask Client ₹ 100,000
5 Loan EMIs Enter - Ask Client ₹ 20,000
6 Ongoing Investments Enter - Ask Client ₹ 50,000
Total Outflows ₹ 1,170,000

1 Annual Investible Surplus ₹ 2,150,000

2 Monthly Investible Surplus ₹ 179,166.67

Assets Liabilities Statement

Sr. No. Current Value of Assets Current Value
1 Savings Bank Balance Enter - Ask Client ₹ 500,000
2 Fixed Deposits Enter - Ask Client ₹ 1,000,000
3 EPF / PPF Balance Enter - Ask Client ₹ -
4 NSC / POMIS / KVP / RDs etc Enter - Ask Client ₹ -
5 Insurance Policies Current Value Enter - Ask Client ₹ 1,200,000
6 Bonds/Debentures/CDs Enter - Ask Client ₹ -
7 Mutual Funds Enter - Ask Client ₹ 500,000
8 Gold ETFs Enter - Ask Client
9 Direct Equity Enter - Ask Client ₹ -
10 House where Residing Enter - Ask Client
11 Loans Receivable / Chit Funds Enter - Ask Client
12 Any other Investments Enter - Ask Client
Total ₹ 3,200,000
Liabilities Current Outstanding
1 Home Loan Enter - Ask Client ₹ -
2 Car Loan Enter - Ask Client ₹ 1,000,000
3 Other Loans Enter - Ask Client ₹ -
Total ₹ 1,000,000
Current Networth (Assets-Liabilities) ₹ 2,200,000

Emergency Funding

1 Current Monthly Outflows ₹ 97,500

2 Number of Months (typically 3-12 montEnter Assumption 6
3 Target Return for Funds Parks Enter Assumption 3%
Emergency Funds to be Parked @ Target Return ₹ 585,000

Retirement Corpus Creation

1 Current Annual Expenses ₹ 1,000,000
2 Inflation Enter Assumption 7%
3 Number of Years for Retirement Enter - Ask Client 26
4 Expenses in First Year of Retirement ₹ 5,807,353
5 Number of Years in Retirement Enter Assumption 30
6 Target Return during Retirement Enter Assumption 10%
7 Inflation during Retirement Enter Assumption 6%
8 Real Return (Return-Inflation) 3.8%
9 Approx FV of any existing investments Enter - Ask Client ₹ 5,000,000
10 Retirement Corpus Required ₹ 107,136,038
11 Retirement Corpus Deficit ₹ 102,136,038
12 Target Return to Accumulate Corpus Enter Assumption 12%
13 Monthly Investments Required (SIP) ₹ 53,217

House Purchase
1 Current Monthly Income of Family ₹ -
2 Number of Years for Goal Enter - Ask Client 0
3 Monthly Income in Goal Year ₹ -
4 Eligibility % of EMI to Monthly Income Enter Assumption 0%
5 Affordable / Eligible EMI ₹ -
6 Home Loan Tenure (in Years) Enter Assumption 0
7 Home Loan Rate Enter Assumption 0%
8 Home Loan Amount (80%) 80 ₹ -
9 Down Payment Amount (20%) 20 ₹ -
10 Approx. Future Value of Affordable House ₹ -
11 FV of any existing/ongoing investments Enter - Ask Client ₹ -
12 DownPayment Corpus Deficit ₹ -
13 Target Return to Accumulate Corpus Enter Assumption 0%
14 Monthly Investments Required (SIP) Err:502

Children's Future - 1
1 Name of Goal Enter - Ask Client Rohit's Education
2 Present Value of Goal Enter - Ask Client ₹ 3,000,000
3 Remaining Years for Goal Enter - Ask Client 14
4 Expected Inflation of Goal Enter Assumption 10%
5 Future Value of Goal ₹ 11,392,495
6 Target Return to Accumulate Corpus Enter Assumption 12%
7 Monthly Investments Required (SIP) ₹ 27,549

Children's Future - 2
1 Name of Goal Enter - Ask Client Priya's Education
2 Present Value of Goal Enter - Ask Client ₹ 3,000,000
3 Remaining Years for Goal Enter - Ask Client 16
4 Expected Inflation of Goal Enter Assumption 10%
5 Future Value of Goal ₹ 13,784,919
6 Target Return to Accumulate Corpus Enter Assumption 12%
7 Monthly Investments Required (SIP) ₹ 25,256

Any Other Goals

1 Name of Goal Enter - Ask Client Rajesh's Wedding
2 Present Value of Goal Enter - Ask Client ₹ 2,500,000
3 Remaining Years for Goal Enter - Ask Client 23
4 Expected Inflation of Goal Enter Assumption 7%
5 Future Value of Goal ₹ 11,851,325
6 Target Return to Accumulate Corpus Enter Assumption 7%
7 Monthly Investments Required (SIP) ₹ 17,814

Total of Monthly Investments Required Err:502

Any Other Goals

1 Name of Goal Enter - Ask Client Priya's Wedding
2 Present Value of Goal Enter - Ask Client ₹ 2,500,000
3 Remaining Years for Goal Enter - Ask Client 23
4 Expected Inflation of Goal Enter Assumption 7%
5 Future Value of Goal ₹ 11,851,325
6 Target Return to Accumulate Corpus Enter Assumption 7%
7 Monthly Investments Required (SIP) ₹ 17,814

Total of Monthly Investments Required Err:502

 Personal Financial Report of
Mr. Rajesh Sharma & Family
Current Financial Situation of Family

1 Your Current Assets ₹ 3,200,000 5 Your Annual Income ₹ 3,320,000

2 Your Current Liabilities ₹ 1,000,000 6 Your Annual Expenses ₹ 1,170,000

3 Your Current Networth ₹ 2,200,000 7 Your Annual Surplus ₹ 2,150,000

4 Emergency Funds ₹ 585,000 8 Your Monthly Surplus ₹ 179,167

Required

Investment Recommendations for Meeting Goals

Sr. No. Financial Goals of Family Present Value of Amount Years for Goal Future Value of Amount Monthly SIPs

1 Retirement Planning ₹ 1,000,000 26 ₹ 107,136,038 ₹ 53,217

2 House Downpayment ₹ - 0 ₹ - ₹ -

3 Rajesh's Graduation ₹ 3,000,000 14 ₹ 11,392,495 ₹ 27,549

4 Priya's Graduation ₹ 3,000,000 16 ₹ 13,784,919 ₹ 25,256

5 Rajesh's Wedding ₹ 2,500,000 23 ₹ 11,851,325 ₹ 17,814

6 Priya's Wedding ₹ 2,500,000 23 ₹ 11,851,325 ₹ 17,814

Total Monthly Investments Suggested ₹ 141,649
 Family Details
Sr. No. Names of Family Members & Relation Remarks Age
1 Hitesh Makwana Service Salaried 45
2 Kinnery Makwana Service Salaried 44
3 Mit Makwana NA 18
4 Dhruv Makwana NA 25

Income Expenditure Statement

Sr.No. Family Inflows (after taxes) Annual Amount
1 Husband Salary Enter - Ask Client ₹ 3,000,000
2 Wife Salary Enter - Ask Client ₹ 500,000
3 Rental Income Enter - Ask Client ₹ 150,000
4 Investment Income Enter - Ask Client
5 Other Incomes Enter - Ask Client
Total Inflows ₹ 3,650,000
Sr.No. Family Outflows Annual Amount
1 Household Expenses Enter - Ask Client ₹ 1,100,000
2 Life Style Expenses Enter - Ask Client ₹ 500,000
3 Dependent Expenses Enter - Ask Client NA
4 Insurance Premiums Enter - Ask Client ₹ 125,000
5 Loan EMIs Enter - Ask Client ₹ 100,000
6 Ongoing Investments Enter - Ask Client NA
Total Outflows ₹ 1,825,000

1 Annual Investible Surplus ₹ 1,825,000

2 Monthly Investible Surplus ₹ 152,083.33

Assets Liabilities Statement

Sr. No. Current Value of Assets Current Value
1 Savings Bank Balance Enter - Ask Client ₹ 500,000
2 Fixed Deposits Enter - Ask Client ₹ 500,000
3 EPF / PPF Balance Enter - Ask Client -
4 NSC / POMIS / KVP / RDs etc Enter - Ask Client -
5 Insurance Policies Current Value Enter - Ask Client ₹ 1,500,000
6 Bonds/Debentures/CDs Enter - Ask Client -
7 Mutual Funds Enter - Ask Client NA
8 Gold ETFs Enter - Ask Client ₹ 500,000
9 Direct Equity Enter - Ask Client
10 House where Residing Enter - Ask Client ₹ 12,500,000
11 Loans Receivable / Chit Funds Enter - Ask Client
12 Any other Investments Enter - Ask Client
Total ₹ 15,500,000
Liabilities Current Outstanding
1 Home Loan Enter - Ask Client
2 Car Loan Enter - Ask Client
3 Other Loans Enter - Ask Client ₹ 250,000
Total ₹ 250,000
Current Networth (Assets-Liabilities) ₹ 15,250,000

Emergency Funding

1 Current Monthly Outflows ₹ 152,083

2 Number of Months (typically 3-12 mont Enter Assumption 4
3 Target Return for Funds Parks Enter Assumption 8%
Emergency Funds to be Parked @ Target Return ₹ 608,333

Retirement Corpus Creation

1 Current Annual Expenses ₹ 1,600,000
2 Inflation Enter Assumption 7%
3 Number of Years for Retirement Enter - Ask Client 20
4 Expenses in First Year of Retirement ₹ 6,191,495
5 Number of Years in Retirement Enter Assumption 22
6 Target Return during Retirement Enter Assumption 10%
7 Inflation during Retirement Enter Assumption 10%
8 Real Return (Return-Inflation) 0.0%
9 Approx FV of any existing investments Enter - Ask Client ₹ 20,000,000
10 Retirement Corpus Required ₹ 136,212,893
11 Retirement Corpus Deficit ₹ 116,212,893
12 Target Return to Accumulate Corpus Enter Assumption 12%
13 Monthly Investments Required (SIP) ₹ 126,338

House Purchase
1 Current Monthly Income of Family NA
2 Number of Years for Goal Enter - Ask Client NA
3 Monthly Income in Goal Year NA
4 Eligibility % of EMI to Monthly Income Enter Assumption NA
5 Affordable / Eligible EMI NA
6 Home Loan Tenure (in Years) Enter Assumption NA
7 Home Loan Rate Enter Assumption NA
8 Home Loan Amount (80%) 80 NA
9 Down Payment Amount (20%) 20 NA
10 Approx. Future Value of Affordable House NA
11 FV of any existing/ongoing investments Enter - Ask Client NA
12 DownPayment Corpus Deficit NA
13 Target Return to Accumulate Corpus Enter Assumption NA
14 Monthly Investments Required (SIP) NA

Children's Future - 1
1 Name of Goal Enter - Ask Client Mit' education
2 Present Value of Goal Enter - Ask Client ₹ 1,750,000
3 Remaining Years for Goal Enter - Ask Client 4
4 Expected Inflation of Goal Enter Assumption 10%
5 Future Value of Goal ₹ 2,562,175
6 Target Return to Accumulate Corpus Enter Assumption 12%
7 Monthly Investments Required (SIP) ₹ 41,992
 Children's Future - 2
1 Name of Goal Enter - Ask Client Dhruv's Marriage
2 Present Value of Goal Enter - Ask Client ₹ 2,200,000
3 Remaining Years for Goal Enter - Ask Client 5
4 Expected Inflation of Goal Enter Assumption 8%
5 Future Value of Goal ₹ 3,232,522
6 Target Return to Accumulate Corpus Enter Assumption 13%
7 Monthly Investments Required (SIP) ₹ 38,882

Any Other Goals

1 Name of Goal Enter - Ask Client
2 Present Value of Goal Enter - Ask Client
3 Remaining Years for Goal Enter - Ask Client
4 Expected Inflation of Goal Enter Assumption
5 Future Value of Goal ₹ -
6 Target Return to Accumulate Corpus Enter Assumption
7 Monthly Investments Required (SIP) Err:502

Total of Monthly Investments Required #VALUE!

 Personal Financial Report of
Mr. Philip Naronha & Family
Current Financial Situation of Family

1 Your Current Assets ₹ 15,500,000 5 Your Annual Income ₹ 3,650,000

2 Your Current Liabilities ₹ 250,000 6 Your Annual Expenses ₹ 1,825,000

3 Your Current Networth ₹ 15,250,000 7 Your Annual Surplus ₹ 1,825,000

4 Emergency Funds ₹ 608,333 8 Your Monthly Surplus ₹ 152,083

Required

Investment Recommendations for Meeting Goals

Sr. No. Financial Goals of Family Present Value of Amount Years for Goal Future Value of Amount Monthly SIPs

1 Retirement Planning NA 20 ₹ 136,212,893 ₹ 126,338

2 House Downpayment NA NA NA NA

3 Child's Graduation ₹ 1,750,000 4 ₹ 2,562,175 ₹ 41,992

4 Child's Marriage ₹ 2,200,000 5 ₹ 3,232,522 ₹ 38,882

5 0₹ - 0 ₹ - Err:502

Total Monthly Investments Suggested Err:502

 Target Return & Investment Option Guidelines

Sr.No Objective Horizon Target Return Mutual Fund Options

1 Very Short Term <1 Year 5% Liquid Mutual Funds

2 Short Term 2-3 Years 7% Debt Mutual Funds

3 Medium Term 4-6 years 9% Balanced Mutual Funds

4 Long Term 7-10 Years 11% Diversifed Equity Mutual Funds

5 Very Long Term 11 + Years 13% LargeCap, MidCap, SmallCap MFs

* The above numbers should be changed by the Financial Advisors based on their and clients philosophy and post tax return expectations
The figures shared are to be considered as generic guidelines and should not considered as advice by Network FP
uidelines

Other Investment Options

Savings Bank Account, Short Term

FDs

FDs, Coporate Deposits / Bonds

Mix of Deposits and Direct Equity

Direct Equity - Large Cap Stocks

Direct Equity - Large Cap, Mid Cap,

Small Cap Stocks

phy and post tax return expectations

y Network FP