ppt qus

1 current age
t1 30 after 10 yrs
t2 55 amt
pv 100000 rate
rate 15% time period
corpus ₹ 3,291,895.26 pv
investment at
22
27
500000
1000000 2 current age
for 10 yrs 14% annuity will p
rest yrs 12% amt(annuity)
58 rate
at 27 ₹ 962,707.29 investment fo
total ₹ 1,962,707.29 at age of 60
at 32 ₹ 3,779,025.24 at 55
at 58 ₹ 71,952,913.16
3 current age
ordinary a 25 t1 amt
13% rate time(yrs)
28 t2 rate
60000 annual investment future value
₹ 204,414.00 ₹ 141,669.16 pension per

Annuity du ₹ 230,987.82 4 current age

time(yrs)
amt per mont
rate
pv
 50
60
25000
6%
10
₹ -195,042.31 at the age of 60 why not negative here? coz we will receive it at 60
₹ 108,910.61
if we invest 108910 at the age of 50, it will become 1,95,042.31 at the age of 60 and from there we can invest 24
k pa.

55
60
30000
7%
10
₹ -131,616.34
₹ 93,840.63
current age
50 ₹ 39,263.28 46 48 50 52 54
150000 7%
10 8%
roi

7% 9%
₹ 295,072.70 10%
₹ 39,263.28 11%

40
10
30000
6%
₹ 220,802.61
re we can invest 24
 21
age objectives
24 a1 1300000 pv ₹ -900,965.21
28 a2 2500000 ₹ -1,062,651.61
30 a3 5000000 ₹ -1,664,424.17
60 a4 50000000 ₹ -425,510.92
roi 13%
total ₹ -4,053,551.91

this means we have to invest 4053551.91 now to avail these facilities

now
roi for first 10 y 13% from 41 to 60 yrs ₹ -11,585,603.20 at 41
roi for next 10 y 10% at 31 ₹ -4,466,751.57
rest roi 8% at 21 ₹ -1,315,852.97

24 a1 1300000 pv ₹ -900,965.21
28 a2 2500000 ₹ -1,062,651.61
30 a3 5000000 ₹ -1,664,424.17
60 a4 50000000 ₹ -425,510.92 ₹ -4,943,893.95

Qus ABC aged 22 wants to have a pension of Rs. 50L pa starting from 60, life expectancy is 80 yrs. How much money s

req at 60 ₹ -35,991,155.97
savings per an ₹ -23,292.75

21
age objectives
30 a1 1300000 pv at 30 ₹ -1,300,000.00
35 a2 2500000 ₹ -1,356,899.84
40 a3 5000000 ₹ -1,472,941.74
60 a4 50000000 ₹ -1,278,252.64
roi 13% ₹ -5,408,094.22 pmt ₹ 310,457.64
How much money must be saved per annum till 30 for achiving the objectives?
80 yrs. How much money should he save per annum in the beginning if roi is 15% pa.
 1 current age 22
pension pa 2500000
time duration 25
roi 13%

pv at 60 ₹ -20,707,207.56
pmt till 60 ₹ -23,131.42

2 current age 22
retirement 60
life expectancy 80
pre retirement 13%
post retirement 7.50%
pension 5000000
initial investment 500000
savings till 45
estate 500000000
pv at 60 ₹ -172,501,965.09
pv at 45 ₹ -27,581,469.09
annual savings till 45 ₹ -141,853.40

qus current age 27

ret age 57
life exp 90
annual exp 1200000
std of living improved by 2%
wants to keep 80% of his std of living
inflation 6%
pre ret rate 12%
post ret rate 9%
sol
10.0626568890734
at the age of 57 1200000 12075188.2668881
after ret need wi 9660150.61351051
when he is 58 yrs 10239759.6503211
similarly for rest yrs
but the left money is also increasing due to interest
so we have to find real rate of return

class solution
first pension at 57 ₹ 12,075,188.27
need at 57 is 80% ₹ 9,660,150.61
rrr 2.83%
total money needed at 57 ₹ -211,249,486.66
since inflation is annual savings ₹ 781,558.51 till 57
if person lives more than expected life, than we have to find perpatual annuity
₹ 341,325,321.68
 Shubham
current age 27 annual req 1100000
ret age 55 life to be insur 28
current income 1500000
personal expense 400000 rrr 3.86%

interest rate 7.50% income loss ₹ 19,338,191.31

inflation 3.50% funeral 500000
lib 4500000
expenses at the time of funeral 500000 investment 1000000
liabilities 4500000
house 15000000 sa ₹ 23,338,191.31
extra investments 1000000

Sum Assured?

portfolio rebalancing
, after 15 years he rebalances the postfolio and new investments are also in this new ratio of 50:50. Calculate the total corpus at the a
equity debt
10000 25-35 70% 30%
35-50 60% 40%
50-60 50% 50%
13% 7%

Sneha aged 25 invests per annum to achive the objective of having a corpus of 10 crs at the age 60. she invests in equity an

equity debt Value of equity

25-35 70% 30% ₹ 1,457.00
35-50 60% 40% ₹ 9,872.09
50-60 50% 50% ₹ 23,181.84
13% 7%

100.00 36751.8
272095.51641 100000000

Sneha aged 25 invests per annum to achive the objective of having a corpus of 10 crs at the age 60. her investment increas

10%
25 100
26 110
27 121
28 133.1
29 146.41
30 161.051
31 177.1561
32 194.87171
33 214.358881
34 235.7947691
35 259.37424601
36 285.311670611
37 313.8428376721
38 345.22712143931
39 379.749833583241
40 417.724816941565
41 459.497298635722
42 505.447028499294
43 555.991731349223
44 611.590904484145
45 672.74999493256
46 740.024994425816
47 814.027493868398
48 895.430243255237
49 984.973267580761
50 1083.47059433884
51 1191.81765377272
52 1310.99941914999
53 1442.09936106499
54 1586.30929717149
55 1744.94022688864
56 1919.43424957751
57 2111.37767453526
58 2322.51544198878
59 2554.76698618766
60 2810.24368480643
 with this they can maintain their standard of living

50:50. Calculate the total corpus at the age of 60. Equity return is 13% pa compounding monthaly and debt return is 7% p.aa compoun
Value of equity valu of debt total
₹ 1,726,764.55 ₹ 522,283.41 ₹ 2,249,047.96
₹ 12,719,856.09 ₹ 3,838,212.11 ₹ 16,558,068.20
₹ 31,399,995.26 ₹ 17,508,527.41 ₹ 48,908,522.68

crs at the age 60. she invests in equity and debt in ratio of 70:30. After 10 years she rebalances the postfolio and also the fresh investm

value of debt total

₹ 443.51 ₹ 1,900.51
₹ 3,172.95 ₹ 13,045.04
₹ 13,569.96 ₹ 36,751.80

crs at the age 60. her investment increases by 10% per annum. she invests in equity and debt in ratio of 70:30. After 10 years she reba
13% 7%
equity debt
79.10 32.10 111.20
176.39 69.66
295.04 113.37
438.67 164.04
611.51 222.52
818.40 289.79
1064.92 366.94
1357.50 455.18
1703.54 555.85
2111.51 670.45
2591.17 800.64
urn is 7% p.aa compounding monthly.

nd also the fresh investments will be in the new ratio of 60:40. After further 15 years she rebalances the portfolio and new investment

. After 10 years she rebalances the postfolio and also the fresh investments will be in the new ratio of 60:40. After further 15 years she
rtfolio and new investments are also in this new ratio of 50:50. Equity return is 13% p.a compounding monthiy and debt return is 7% p.

. After further 15 years she rebalances the portfolio and new investments are also in this new ratio of 50:50. Equity return is 13% p.a co
iy and debt return is 7% p.a compounding monthly. What should be the first year investment.

Equity return is 13% p.a compounding monthiy and debt return is 7% p.a compounding monthly. What should be the first year investm
uld be the first year investment.