My Plan (Sample)
Cash Flow (Income & Expenditure)
Cash FlowIncomeYour current income is Rs.50000 per month.
ExpensesYour current expenses are Rs.7275 per month.
Cash FlowYour current cash flow is Rs.42725 per month.
Monthly EMIYour current monthly EMI is Rs.0 per month.
Income Tax PlanningYou are availing benefits of up to Rs. 1 lakh under section 80C (PF contribution, Insurance Premium)
Goals
GoalsNet WorthYour current net worth is Rs.580000.
InvestmentsCurrently, your total invesment is Rs. 60,000
Savings AccountTotal savings account balance is Rs. 1.05 lakh.
Retirement AccountYour current PF balance is Rs. 4.77 lakh, PPF balance is Rs. 1.80 lakh.
Asset Allocation
Asset Allocation CurrentRecommended
Equity40%40%
Bonds / Debentures15%15%
Mutual Funds12%12%
Liquid Cash11%11%
Real Estate5%5%
Gold5%5%
Insurance5%5%
Cash Saving Investments7%7%
Protection
InsuranceLife InsuranceYour insurance needs are estimated at Rs.1390000. Currently you have 10 different insurance policies, total sum assured of Rs. 43.45 lakh, with total annual premium of Rs. 2.33 lakh.
Health InsuranceYour employer has provided you with Rs. 3.50 lakh health insurance cover for the family.
Home InsuranceCurrently you do not have home insurance.
Auto InsuranceCurrently, you have motor insurance policy. However you have not shared the size and scope of the motor insuance coverage.
WillCurrently you do not have a will.

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  • 05-05-2009 10:13 PM

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