integrated financial planner aug 2014

7/25/2019 Integrated Financial Planner Aug 2014

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Financial Planning Tem

This template can be used to create your on !nancial plan

Features

"omments and suggestions elcome

#onload more !nancial calculators and analysis tools $rom%

1. &i$e insurance calculator ith action plan $or nominee

2. 'etirement planner that allos you tae into account rental income and pe

3. Nonrecurring !nancial goal planner (* goals). +,amples are "hildrens edu. 'ecurring !nancial goal planner (2 goals). These could be goals occuring o

*. The cash o summary shos your salary and TT& monthly investment

.#etailed cash o chart shos the detailed cash o analys $or each year

4. ne page report hich summarises all the results

pattu5iitm.ac.in

F
mailto:[email protected]://freefincal.com/listing-free-personal-finance-calculators/http://freefincal.com/listing-free-personal-finance-calculators/mailto:[email protected]


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late version 1 (Nov. 2013)

nsion

ation- marriage- business goals ce a year- tice a year or any other $re/uency.

re/uired $or each year ith probability o$ achieving !nancial goals

reefncal.com
http://freefincal.com/listing-free-personal-finance-calculators/http://freefincal.com/listing-free-personal-finance-calculators/


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Comprehensive Child Planner

Fill only cells in green

6onthly income your $amily ill need to meet e,penses in your absence

7o long ould this income be needed

8$ spouse is unemployed but can or choose a com$ortable no o$ years. 9ou could al

8$ spouse is uneducated this ill be $or liely li$etime o$ spouse

8$ spouse is employed and can manage independently its upto you

nnual 8nation in monthly e,penses

'eturn e,pected hen part o$ the insurance sum is invested to meet e,penses

"urrent li$e insurance cover

ssets your $amily can use to generate some income

"urrent liabilities (personal loan- credit card debt)

Provide or your childrens schooling

nnual amount needed $or your !rst childs school education

ination rate on this amount

9ears you ill need this amount $or (until child enters 12th grade)

nnual amount needed $or your second childs school educationination rate on this amount

9ears you ill need this amount $or (until child enters 12th grade)

'eturn e,pected i$ part o$ the insurance sum is invested to meet school e,penses

Provide or your childrens college education

mount needed $or !rst child:s college e,penses (current amt)

mount needed $or second child:s college e,penses (current amt)

ination rate on this amount (use at least 10;)

'eturn e,pected i$ part o$ the insurance sum is invested to meet college e,penses

Provide or your childrens marriage

mount needed $or !rst child:s marriage (current amt)

No o$ years to goal

mount needed $or second child:s marriage (current amt)

No o$ years to goal

ination rate on this amount (use at least 10;)

'eturn e,pected i$ part o$ the insurance sum is invested to meet marriage e,penses

Insurance amount breakup (to be seen and understood by nominee and leg

So net insurance reuired (!"#"C"$"%"F"& ')

or net insurance ecluding both childrens marriage epenses

or net insurance ecluding *st childs marriage epenses

(!)


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or net insurance ecluding +nd childs marriage epenses


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,

,

o decrease the monthly income needed a little

*,- monthly income ill increase annually at this rate (inationind

-

,

, #on>t include anything you don>t ant them sell

, 8$ you have separate cover $or home loan you don>t need to incl

*,-

,


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, or 1s. ,.,, lakhs


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,ed income)

ude that

inuence the college $und goal

inuence the college $und goal

nses

ion plan like this.

year

year

llege $eesllege $ees

arriage

arriage

lose round !gure


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"urrent year (assume plan is done in @an 201) 201

ge (end o$ current year) 3

9ear o$ retirement 2020

&i$e e,pectancy A B*

A li$e e,pectancy o$ younger spouse i$ married

"urrent monthly e,penses 100000ther nnual e,penses *00000

+,pected ination upto retirement 10.00;

+,pected ination a$ter retirement 11.00;

nticipated postretirement rate o$ interest (postta,) 4.00;

Net rate o$ interest (preretirement) (postta,)C D.00;

mount invested so $ar (end o$ current year) 13000000

rate o$ interest $or this amount (postta,) D.00;

nnual increase in monthly investment 0.00;

C 8 ill use about BD; $or a 0%0 e/uity%debt port$olio.

"ontact me i$ you need some help in this regard.

2-010 2-020 2-030 2-00 2-0*0

*0.00

100.00

1*0.00

200.00

2*0.00

300.00pension or annuity Eother income sources

6onthly +,penses (in &ahs)

annuity $rom calculated corpus


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'etirement Planner (Fill only cells in green)"urrent postta, 6onthly


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e o$ monthly salary 0;

%nd 4ear %nsure end dates are on or beore +,+,

2020 annual increase 12;

2020 annual increase *;

%nd 4ear %nsure start dates are ater +,+,

204 annual increase

204 annual increase

2030 enter current as start year i$ loan is ongoing

ly pension in 1st year o$ retirement 204-1

d $or $unding retirement $or B years 321-43B-DD1

investment re/uired H 4-111-032

available $or other needs none

e assumed to start $rom ne,t year

2-00 2-0*0 2-00 2-040

lue) in &ahs


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1ecurring &oal * (enter name belo5)

6acation year hen

Priority 5 7 invest.


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1ecurring &oal *

9ear hen 'edemption$uture value

6onthy investment re/uired

sum re/uired number 2 year(s) be$ore redemption

201D 1 2-200 D-14

2021 2 322-102 11-0D2

2023 3 3BD-43 13-21

202* 41-*D0 1-23D

2024 * *40-23 1D-*0

202D D0-* 23-44

2031 4 B3*-*0 2B-4D

2033 B 1-010-BD 3-B10

203* D 1-223-1B2 2-121

2034 10 1-B0-0*0 *0-D

203D 11 1-4D0-B0 1-D

201 12 2-1-D1 4-1D

203 13 2-21-DDD D0-2BD

20* 1 3-142-1D 10D-2*0

204 1* 3-B3B-BB 132-1D2


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1ecurring &oal + (enter name belo5)

9edical test year hen 9ear hen

Priority : invest.


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1ecurring &oal +

'edemption$uture value

6onthy investment re/uired

number 2 year(s) be$ore redemption

1 322-102 11-0D1.4

2 3BD-43 13-20.D2

3 41-*D0 1-23D.31

*40-23 1D-D.*

* D0-* 23-44*.D4

B3*-*0 2B-4B.D3

4 1-010-BD 3-B10.0

B 1-223-1B2 2-120.*D

D 1-B0-0*0 *0-D*.D1

10 1-4D0-B0 1-B.4*

11 2-1-D1 4-1D.1D

12 2-21-DDD D0-2BD.22

13 3-142-1D 10D-2D.D


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Nonrecurring goals (Fill only cells

Priority (retirement is al5ays no *)

6ore than one goal can have the same priori

decreasing . That is 3 is less important t

8 8

Joal Name !bhay;s %ducation *>+,*? 8>*>+,+

#ate hen you ill start investments 8>*>+,*@ 7>*>+,*@9ears available $or investment (rounded oK) * *@

Present cost (as on date) +3,,,3,,, ,

ination *,.,- *,.,-

Net rate o$ return (postta,) *,.,,- *,.,,-

mt invested so $ar , ,

'o8 o$ current invest. ,.,,- ,.,,-

nnual inc. in monthly invest. ; *,.,,- *,.,,-

Ghen investment are made AA * ,

Future "ost 1-4*D-33

Future value o$ curr. 8nv. 0.00 0.00

initial mon. invest. re/d. hen investments start 133-2B3

AA note *B"hoose :0: i$


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in green)y. From le$t to right- arrange goals in terms o$

an 2 but more important than .

+ @ ?

!bhay;s 9arriage *>+,+, 8>*>+,* ?>*>+,+

*+>*>+,*8 8>*>+,*? :>*>+,*7 @

+3?,,3,,, , ,

*+.,- *,.,- *,.,-

*+.,,- *,.,,- *,.,,-

, , ,

,.,,- ,.,,- ,.,,-

,.,,- ,.,,- ,.,,-

, * ,

3-41*-3*D

0.00 0.00 0.00

3B-1*2


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4II201

1s. *: 0akhs

Feasibility o achievement

$or goal combo(in terms o$ priority)

1 alone +?-

1E2E3 2*;

see note 2 belo

see note 2 belo

see note 2 belo

ough cash

need to

this action plan

Kord and

sibility.


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4ear !ge

Post'ta Income post'ta 9onthly

9onthly rom pensionepenses

Salary other sources

201 3 D00-000 1*B-*00 11-4

2014 3* D00-000 1D-B20 1**-B33

201B 3 D00-000 1B2-113 141-14

201D 34 D00-000 1D*-4B 1BB-**B2020 3B D00-000 210-021 204-B** 20D-300

2021 3D 1D*-000 230-41D 232-323

2022 0 1D*-000 2*-0DB 2*4-B4B

2023 1 1D*-000 2B-2D 2B-2*

202 2 1D*-000 31*-*3B 314-432

202* 3 1D*-000 3*0-24 3*2-B2

202 1D*-000 3BB-44* 3D1-44

2024 * 1D*-000 31-*0 3-*0

202B 1D*-000 4D-00D B2-33D

202D 4 1D*-000 *31-400 *3*-3D2030 B 1D*-000 *D0-1B4 *D-2D0

2031 D 1D*-000 **-10B *D-2

2032 *0 1D*-000 424-140 432-22*

2033 *1 1D*-000 B04-1*B B12-440

203 *2 1D*-000 BD*-D D02-14

203* *3 1D*-000 DD-*00 1-001-13

203 * 1D*-000 1-103-BD* 1-111-*D

2034 ** 1D*-000 1-22*-323 1-233-B1

203B * 1D*-000 1-30-10D 1-3D-*

203D *4 1D*-000 1-*0D-421 1-*20-21

200 *B 1D*-000 1-4*-4D0 1-B4-0

201 *D 1D*-000 1-B0-124 1-B43-0*B

202 0 1D*-000 2-0-41 2-04D-0D*

203 1 1D*-000 2-2D1-B2 2-304-4D*

20 2 1D*-000 2-*3-D4 2-*1-*2

20* 3 1D*-000 2-B23-B0 2-B3-3

20 1D*-000 3-13-22 3-1*-212

204 * 1D*-000 3-4D-20D 3-*03-3D*

20B 1D*-000 3-B1-D22 3-BBB-4D

20D 4 1D*-000 -2B-433 -31-*33

20*0 B 1D*-000 -4*B-24 -4D1-3*2

20*1 D 1D*-000 *-2B1-B *-31B-01

20*2 40 1D*-000 *-B2-D *-D03-2*

20*3 41 1D*-000 -*04-*2 -**2-B01

20* 42 1D*-000 4-223-3D 4-243-10

20** 43 1D*-000 B-014-DB B-043-404

20* 4 1D*-000 B-BDD-D B-D1-B1


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20*4 4* 1D*-000 D-B4B-D3B D-D4-1

20*B 4 1D*-000 10-D*-21 11-01-B*2

20*D 44 1D*-000 12-141-B0 12-2*-**

200 4B 1D*-000 13-*10-42 13-0-*

201 4D 1D*-000 1-DD-D23 1*-101-14B

202 B0 1D*-000 1--*B* 1-42-30B

203 B1 1D*-000 1B-44-40D 1B-0-1220 B2 1D*-000 20-*10-2*4 20-*2-B0

20* B3 1D*-000 22-4-3B 22-D2-*2

20 B 1D*-000 2*-240-BB 2*--3

204 B* 1D*-000 2B-0*0- 2B-2*-


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%9I

otal invest. needed otal Cash available

each month or or investment

!00 goals each month

D1-B33

4-120-1DD D13-DB4

4-120-1DD D10-D4

4-133-21* D0-D1D 22-1B3 1-10B-*4

2-B2 1D3-3D

2-B2 1D3-220

32-4D 1D3-02

32-4D 1D2-B0

3D-2DD 1D2-**

3D-2DD 1D2-2D4

4-**2 1D2-000

4-**2 1D1-40

*4-*3B 1D1-30 *4-*3B 1D0-BD4

D-21 1D0-

D-21 1BD-D*

B-21 1BD-3BD

B-21 1BB-442

101-D32 1BB-0B

101-D32 1B4-32

123-33B 1B-B2

123-33B 1B*-**

1D-23B 1B-*0*

1D-23B 1B3-3*0

1B0-*4B 1B2-0D

1B0-*4B 1B0-

21B-*00 14D-0B

21B-*00 144-31*

132-1D2 14*-340

132-1D2 143-210

140-B13

1B-1*3

1*-200

11-D22

1*B-2B3

1*-2

1D-41

1-4B*

13D-21

133-130


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12-32

11B-440

110-3B

101-044

D0-4*

4D-244

-*4 *2-1B

3-43

1D-32


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Please ensure only relevant goals are ound in the list belo5

are ound in the list belo5

&oals included in Invest. Invest. Priority Feas

cash Go5 chart begins ends or goal combo

'etirement 2014 201D 1 1

bhay:s +ducation 201 201* 3 1E2E3

see note 2 belobhay:s 6arriage 2013 2020 2 see note 2 belo

see note 2 belo

see note 2 belo

Lacation 2014 204 see note 2 belo

6edical test 201D 20* 4 see note 2 belo

Note 1% investment $or retirement is assumed to begin only $rom ne,t year

inspect the cash o chart to assess $easibility.

8$ entries in this column turn red- it means that $or that year- you ill not be able

to invest enough $or all your goals.

8$ there are too many red entries- this is an indication o$

1) high e,penses-

2) high debt

3) e,pecation not proportional to income.

) many other issues


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ility

2*;

2*;


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1etirement9ear ge monthly postta, monthly Jroth o$ Jroth o$

e,penses pension investment mon. invest. current corpus

201 3 11-4 0 13-000-000

2014 3* 1**-B33 4-111-032 D3-012-2DB 1-140-000

201B 3 141-14 4-111-032 1D-3D*-403 1*-*-300

201D 34 1BB-**B 4-111-032 30-D03-1 1-B3*-3442020 3B 20D-300 204-B**

2021 3D 232-323 230-41D

2022 0 2*4-B4B 2*-0DB

2023 1 2B-2* 2B-2D

202 2 314-432 31*-*3B

202* 3 3*2-B2 3*0-24

202 3D1-44 3BB-44*

2024 * 3-*0 31-*0

202B B2-33D 4D-00D

202D 4 *3*-3D *31-400

2030 B *D-2D0 *D0-1B4 2031 D *D-2 **-10B

2032 *0 432-22* 424-140

2033 *1 B12-440 B04-1*B

203 *2 D02-14 BD*-D

203* *3 1-001-13 DD-*00

203 * 1-111-*D 1-103-BD*

2034 ** 1-233-B1 1-22*-323

203B * 1-3D-* 1-30-10D

203D *4 1-*20-21 1-*0D-421

200 *B 1-B4-0 1-4*-4D0 201 *D 1-B43-0*B 1-B0-124

202 0 2-04D-0D* 2-0-41

203 1 2-304-4D* 2-2D1-B2

20 2 2-*1-*2 2-*3-D4

20* 3 2-B3-3 2-B23-B0

20 3-1*-212 3-13-22

204 * 3-*03-3D* 3-4D-20D

20B 3-BBB-4D 3-B1-D22

20D 4 -31-*33 -2B-433

20*0 B -4D1-3*2 -4*B-24

20*1 D *-31B-01 *-2B1-B 20*2 40 *-D03-2* *-B2-D

20*3 41 -**2-B01 -*04-*2

20* 42 4-243-10 4-223-3D

20** 43 B-043-404 B-014-DB

20* 4 B-D1-B1 B-BDD-D

20*4 4* D-D4-1 D-B4B-D3B

20*B 4 11-01-B*2 CCC

20*D 44 12-2*-** CCC


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200 4B 13-0-* CCC

201 4D 1*-101-14B CCC

202 B0 1-42-30B CCC

203 B1 1B-0-12 CCC

20 B2 20-*2-B0 CCC

20* B3 22-D2-*2 CCC

20 B 2*--3 CCC

204 B* 2B-2*- CCC


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!bhay;s %ducation


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CCC 200

CCC 201

CCC 202

CCC 203

B*0-10-** 20

14-B32-D01 20*

33-0*-*4 20

0 204


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!bhay;s 9arriage


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200

201

202

203

20

20*

20

204


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1ecurring &oal *'edemption 'edemption 6onthly 6onthly 9ear

number $or goal investment investment

201

1 D-14 D-14 2014

D-14 201B

2 2-200 11-0D2 11-0D2 201D 11-0D2 2020

3 322-102 13-21 13-21 2021

13-21 2022

3BD-43 1-23D 1-23D 2023

1-23D 202

* 41-*D0 1D-*0 1D-*0 202*

1D-*0 202

*40-23 23-44 23-44 2024

23-44 202B

4 D0-* 2B-4D 2B-4D 202D

2B-4D 2030B B3*-*0 3-B10 3-B10 2031

3-B10 2032

D 1-010-BD 2-121 2-121 2033

2-121 203

10 1-223-1B2 *0-D *0-D 203*

*0-D 203

11 1-B0-0*0 1-D 1-D 2034

1-D 203B

12 1-4D0-B0 4-1D 4-1D 203D

4-1D 20013 2-1-D1 D0-2BD D0-2BD 201

D0-2BD 202

1 2-21-DDD 10D-2*0 10D-2*0 203

10D-2*0 20

1* 3-142-1D 132-1D2 132-1D2 20*

132-1D2 20

3-B3B-BB 204

20B

20D

20*0

20*1 20*2

20*3

20*

20**

20*

20*4

20*B

20*D


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200

201

202

203

20

20*

20

204


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1ecurring &oal + otal Cash needed'edemption 'edemption 6onthly 6onthly each month ornumber $or goal investment investment !00 goals

4-120-1DD

4-120-1DD

1 110D2 11-0D2 4-133-21*11-0D2 22-1B3

2 322102 1321 13-21 2-B2

13-21 2-B2

3 3BD43 123D 1-23D 32-4D

1-23D 32-4D

41*D0 1D*0 1D-*0 3D-2DD

1D-*0 3D-2DD

* *4023 2344 23-44 4-**2

23-44 4-**2

D0* 2B4D 2B-4D *4-*3B

2B-4D *4-*3B4 B3**0 3B10 3-B10 D-21

3-B10 D-21

B 1010BD 2121 2-121 B-21

2-121 B-21

D 12231B2 *0D *0-D 101-D32

*0-D 101-D32

10 1B00*0 1D 1-D 123-33B

1-D 123-33B

11 14D0B0 41D 4-1D 1D-23B

4-1D 1D-23B12 21D1 D02BD D0-2BD 1B0-*4B

D0-2BD 1B0-*4B

13 221DDD 10D2*0 10D-2*0 21B-*00

10D-2*0 21B-*00

31421D 132-1D2

132-1D2


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CL&=+

2014 rg1start

204 rg1end

20

201D rg2start

20* rg2end20


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2B2*


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integrated financial planner aug 2014

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