Wealth G. R. I.P.

Report

Your Name Plan D ate Your Re lationship Manage r

Sanjay – S 0 1/ 0 9/ 0 8 Sande ep Kumar

Dear Sanjay,

At the outset, I would like to thank you for taking some time and completing your Wealth G.R.I.P Financial
Plan. Wealth G.R.I.P helps you get a 360-degree view of your Goals, Retirement, Investment and
Protection plans. It is our endeavor to assist you in making the right investment choices and guiding you
to a secure and promising financial future. Please feel free to visit and TALK TO US again.

As your Relationship Manager, I thoroughly enjoyed our interaction and look forward to assisting you in
planning your investments and achieving your goals.

Sincerely,

Sandeep Kumar
Mobile: 9769 114685

Your Income and Expenses

Your annual income is Rs.250,000 while your annual expenses are Rs. 100,000. You have also indicated an
available investible surplus of Rs.60,000 per annum.
Your Goals
Goal Amount Start
Vehicle 75,000 2 years
Dream Vacation 100,000 3 years
Major Expenses in future 300,000 5 years
Rajesh – Post Graduation 800,000 15 years
You have also indicated that you would ideally want to retire at the age of 58 and be able to maintain a
desired lifestyle post-retirement. We have created a plan for you which will help you plan for your
retirement.
Your Annual Income and Expenses

Annual Income 250000

Your Net Worth (Rs.) 1,500,000
Annual Expenses 100000 Annual Expenses as a
40.00%
% of Income
Investable Surplus 60000
Investable Surplus as
24.00%
0 50000 100000 150000 200000 250000 300000
a % of Income

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 You are a Balanced Investor

Based on your inputs to our risk profiler, we have assessed you as a BALANCED Investor. You should
ideally invest in a mix of equity and debt products which provide higher returns along with some capital
protection. The Asset Allocation model recommends a perfect mix of investments for you.

Asset Allocation: is simply the mix of liquid investments you hold. Your Recommended Asset Allocation is
based on your assessed risk profile. We have listed your current asset allocation vs. your recommended
asset allocation below.

Suggested Amount to be re-allocated: Rs.200,000

Current Asset Allocation Recommended Asset Allocation

Bank/FD 10%
Current A/C Balance 4%
Equity 16%
MF GILT/Liquid 5%
Equity 30%
Life Insurance/ULIP 24%

MF Debt 20%

Savings Bank 24%

MF Equity Sectoral 5%
Other Assets 12%

MF Equity Others 10%

Bank FD 12% Debt 8% MF Balanced 20%

Summary of Expenses

It is important to save and invest wisely to maximize your wealth. Your annual expenses are equal to 40%
of your annual Income. This is the right time to start saving, and invest your savings smartly to make your
money work for you.
Expenses Breakup
Household Expenses Other Expenses
30% 30%

Education Expenses Holiday Expenses

20% 20%

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 Planning for your Goals

You have taken the first step towards achieving your goals by defining them. We suggest you start
monthly SIP investments of Rs. 16,665. This will help you achieve your goals and create disciplined
savings habits.

Future Value Monthly SIP

General Goals Start (Rs.) (Rs.)
Want to purchase a new car? 2 years 90,750 3,265
Want to go for a dream vacation? 3 years 133,100 2,950

For Rajesh

Per Month SIP

Future Value Investment
Goal Start
(Rs.) Recommended
(Rs. )
Post-Graduation 15 years 33, 41,800 5,000

Total S IP investment required to achieve General Goals : Rs. 11, 655

Total SIP investment required to achieve Rajesh's Goals : Rs. 5, 000
Total S IP investment required for all Goals : Rs. 16, 665

Planning for your Retirement

Planning for your retirement is an important aspect of financial planning.

Your monthly household expenses today: Rs.8,000

Your monthly household expenses when you retire at 58: Rs. 30,000

You need to accumulate a retirement corpus of Rs.32,000,000 to maintain your desired lifestyle
post- retirement. To achieve this goal and retire by the age of 58, it is recommended that you
start investing Rs. 4,620 monthly.

Increase in your Monthly Household Expenses when you Retire at 58 years

35000
30000
25000 Inflation Rate
20000 Considered 5.50%
15000 Your PF Corpus Today
10000 200,000
(Rs.)
5000
0

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 Goal Analysis

You have declared an annual investible surplus of Rs.60,000 which is not sufficient to start saving for all
the goals you have defined. Hence, it is important to prioritize your goals and start investing for them.

Your Goals
Future Value Monthly S IP
Goals S tart
(Rs. ) (Rs. )
Want to purchase a new car? 2 years 90, 750 3, 265
Want to go for a dream vacation? 3 years 133, 100 2, 950
Planning any major expenses in future? 5 years 483, 150 5, 450
Post-Graduation 15 years 33, 41, 800 5, 000
Retirement 28 years 32, 000, 000 4, 620

Suggested Investments for Goals: Out of your investible surplus of Rs.60,000, we recommend you
keep 20% aside for any emergency cash requirements. This leaves you with a surplus of Rs.48,000.

In the event of not being able to start investing for all your goals, it is important to prioritize and achieve
goals. Given below are the recommended investment amounts for all your goals based on your investible
surplus available. Though these investments are not sufficient to achieve your goals, it is a good
beginning to start and continue to increase your investments over time.

Monthly SIP based

Goals Start on available surplus
(Rs.)
Want to purchase a new car? 2 years 610
Want to go for a dream vacation? 3 years 550
Planning any major expenses in future? 3 years 1,030
Post-Graduation 15 years 940
Retirement 28 years 870
Total Monthly SIP 4,000

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 Insurance & Protection

Life Insurance :

It is crucial not to loose focus on what is important for your family. Insurance is a tool that mitigates risk
and helps your family lead a normal life in any unfortunate event. To enable your family to continue
leading the same lifestyle in your absence, a coverage level of Rs.3,000,000 is recommended. You
currently face an insurance cover shortfall of Rs.1,500,000.

Life Insurance Planning Coverage Level

Your Existing Insurance Coverage 1, 500,000
Ideal Insurance Cover 3, 000,000

Medical Insurance :

Your Medical Expenses as a % of your Total Expenses: 10%

Based on the number of family members and your age, the indicative premium charges for a
Rs.300,000 medical cover is approximately Rs.4,650.

** Coverage Level: While company/group medical insurance offers protection, it is crucial to note that
coverage levels may not be adequate. In the long-term, it is advisable to have your own medical coverage
with adequate cover for the whole family at all times.

No-claim benefits: In the event of no claims against your own Medical Insurance, most insurance
companies offer a no-claim discount on the premium paid every year which can significantly reduce
premium amounts over the long-term.

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