wealth management_ sobia

8/12/2019 Wealth MAnagement_ Sobia

1/13

Annual (Rs. Lakh) MUMBAI

Basic Salary 34

Dearness allowances 9

HRA 5

Special Allowances 0.9Variable Salary(Bonus) 6.2

Total Salary Income 55.1

5510000

Taxable Income 5010000

Salary

Calculation of tax paid

upto 2 lacs 0 Calculation of exemption in HRA:

from 2 to 5 lacs @ 10% 30000 Actual HRA

5 lacs to 10 lacs @20% 100000 Rent paid-10%of salary

above 10 lacs @30% 1203000 4010000 50%of Basic salary

Total tax 1333000

After Tax return 4177000

Cash Outflows

Household expenses 1680000

Car EMI 234804

Insurance premium

Term Plan 20516

Endowment 80333

Health Insurance 27631

Total Outflows 2043284

SURPLUS 2133716

Monthly surplus 177809.7

Exemption of H


2/13

(in Rs)

5

17

RA will be minimum of the the three:

(Basic+DA+Commision)


3/13

Conservative Govt Sec 7%

Moderate Balanced 9%

Aggressive Equity 11%

Inflation 5.50%

AGGRESSIVE

YEARS TOTAL OUTLAY PRESENT VALUE YEARS

0 1030000 1030000 0

1 1030000 927927.93 1

2 1030000 835971.11 2

3 1030000 753127.12 3

3547026.157

753127.12

59284.53 0.008735

Corpus required to fulfill boarding fees

Investment to be made on yearly basis

Investment to be made on monthly basis

Corpus

Invest

Investm


4/13

CONSERVATIVE

TOTAL OUTLAY PRESENT VALUE

1030000 1030000

1030000 962616.82

1030000 899641.89

1030000 840786.81

3733045.526

840786.81

67531.47 0.005654

required to fulfill boarding fees

ent to be made on yearly basis

ent to be made on monthly basis


5/13

Conservative Govt Sec 7%

Moderate Balanced 9%

Aggressive Equity 11%

Inflation 5.50%

AGGRESSIVE

Roshan Geet

Year Per year outlay Present Value Year Per year outlay

4 2600000 1712700.53 4 100000

5 2600000 1542973.45 5 100000

6 2600000 1390066.17 6 100000

7 2600000 1252311.87 7 100000

8 2600000 1128208.89

7026260.92

7253109.07

1540026.19

121227.52 0.008735Investment to be made on monthly basis




6/13

CONSERVATIVE

Roshan

Inflated Present Value Year Per year outlay Present Value

123882.4651 65873.09741 4 2600000 1983527.55

130696.0006 59345.13281 5 2600000 1853764.07

137884.2807 53464.08361 6 2600000 1732489.78

145467.9161 48165.84109 7 2600000 1619149.33

226848.1549 8 2600000 1513223.67

8702154.40



Investment to be made on monthly basis


7/13

Geet

Year Per year o Inflated Present Value

4 100000 123882.4651 76289.52

5 100000 130696.0006 71298.62

6 100000 137884.2807 66634.22

7 100000 145467.9161 62274.97

276497.34

8978651.74

2022244.82

162425.43 0.005654


8/13

Current household expenses 140000

FV of expenses as on retirement date 347872.30

Post retirement investments 7%

Inflation rate 5.50%

Inflation Adjusted Rate 1.014218009Inflation Adjusted Rate per month 0.001177182

Post retirement expenses curtailment 40%

Fv of post retirement expenses 208723.3804

Total corpus required 52790793.32

Monthly investment in equity 93381.98

Assumption: Post retirement expenses curtailment is assumed to be 40%.


9/13

Current cost of the house 7500000 8100000 7.50% 0.006045

Current value of the house 15

Loan taken 68069.74

Tenure

rateEMI

Disbursement date

Current date

EMI paid

EMI due

Principal outstanding as on 1/4/13

Principal outstanding as on 1/4/14

Net cash inflow from sale of old house

Additional corpus required

Value as on today

EMI of required at old arrangement

Additional EMI commitment


10/13


11/13

Inflation 5.50%

Equity 11%

TRIP:

Current Cost of trip 1000000Future Cost 1708144.46

Corpus required for the trip 601581.97

Investment to be made on yearly basis 35975.46

Investment to be made on monthly basis 2831.91 0.008735

MARRIAGE


12/13

ASSETS Rs. (in Lakh)

Equity MF 26.47

Balanced MF 9.78

Equity Shares 25.92

Gold Jewelry 2.17

Gold ETF 3.21PPF A/C 7.87

Eq Linked savings scheme 15.75

Physical Gold 11.25

Car 7.5

Liquid Fund Scheme 5.25

Corporate Bonds 1.5

Bank Account 10325000

Total Monthly investment req

For Higher studies 121227.52

For trip 2831.91015 124059.4

For retirement planning 93381.9775

For marriage

For house

Total 217441.407

Current Surplus Cash 177809.667

53750.2367

(Maturing on 1st April 2019)


13/13

LIABILITIES Rs. (in Lakh)

Car Loan 6.61

Credit Card 0.72

Insurance Total Cover

Term plan 20516 80 lakhs

Endowment 80333 20lakhs

Health 27631 2policies/20 lakhs

(Taken on Aug 2012 @ 11.5% p.a. in monthly EMI for 4 years)

(Term of 15 years 15th Mar 2008)

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