Alpesh Rathod 32 Years 18/3/2023

Location : Noida
Alpesh Rathod

Net Income 250,000 130,000 Liabilities

EMI -56,000 0 Home Loan (9%)
Education Loan -34000 0 Education Loan (7%)
FD -100,000 -85,000
Shares -15000 -15000
Grocery and Other Exp -45,000 -30000
Surplus 0 0

Total Liabilities

Net Worth
Amount Asset Amount
5,400,000 FD 2,500,000
3,200,000 Shares 160,000
MF 65,000
ESOP 1,000,000
Another House 10,000,000
Land 100,000,000
Current House 20,000,000

8,600,000 Total Assets 133725000

125125000
Target / Goal Horizon Amount to Accumulated Asset Class
Build Emergency Fund 3 Years 5 ,00,000
Purchasing Car 3 Years 1,500,000
Purchasing House 10 Years 25,100,000
Retirement Plan 22 Years 57,000,000
83,600,000
Existing SIP
New SIP to be Started

RISK MANAGEMENT
Particulars Existing Cover Company
Mediclaim -1 10 Lacs HDFC Ergo
Mediclaim -2 5 Lacs Star Health

Life Insurance

Assumptions:
1
2
3
SIP Required / Fixed Amount Step SIP

Suggestion
 Car Purchase Planning
Years to Goal 3
Car Cost Today 1,200,000
Assumed Inflation 8%

Existing Investment Linked 0

Return on New Inv

Car Cost then

Monthly SIP Required
Step Up SIP
 Home Purchase Planning

Years to Goal 10

Dream House cost today 15,000,000

Assumed Inflation 7%

Existing Investment Linked

1,400,000
Existing Investment Return
12%

Return on New Inv

Corpus required

Current Investment Linked to

Monthly SIP Required

Step Up SIP Required

 Retirement Planning
Current Age 33
Retirement Age 55
Life Expectancy 80
Current Monthly Expenses (Grocery +Lifestyle) 70,000
Assumed Inflation 7%

Post Retirement Return 12%

Pre Retirement Return 12%
Retirement Years 25
No.of years left for Retirement 22
Expenses in First year of Retirement 310,000

Retirement Corpus required at 55 Age

Monthly SIP Required
Step UP SIP Required