Financial Planning Template for Non Real Estate Investments

For educational purposes only

Enter your inputs in the Yellow Cells
The Assumptions are in Red font

Current Age 35
Annual Salary (net of tax) (INR) 1,312,500
Annual Rental and Other Income (net of tax) (INR) -
Income Tax Rate 25%
Annual Expenses (INR) 1,000,000
Savings Growth Rate (%) 0%

Annual Savings (INR) 312,500

Savings Growth Rate (%) 0%
Present Value of Annual Expense Needed till Retirement (INR) -
Your income will fund your expenses
Retirement Goal
Retirement Age 60
Annual Expense Post Retirement (Without Inflation) (INR) 1,000,000
Life Expectancy 90
Inflation 6%
Post Retirement Return 8%

Annual Expense at Retirement (Age 60) (INR) 4,291,871

Amount Needed at Retirement (INR) 97,635,938

Pre-Retirement Returns
Expected Rate of
Asset Class Return

Equity Mutual Funds/ETFs 13%

Direct Equity/PMS 13%
Fixed Deposits 7%
PPF 7%
Gold Mutual Funds 8%
Cash in Bank 4%
Liquid Mutual Funds 7%
Long Term Debt Mutual Funds/Bonds 7%

Annual Expense
Name of the Goal
till Retirement
Amount Required (Without Inflation) (INR) (One-time)
Age when Required 35
Inflation for the Goal
Type of Goal Medium Term
Amount Required at Time of Goal (With Inflation) (INR) -

Asset Allocation of Current Portfolio (INR)

Current Asset
Asset Class Allocation

Equity Mutual Funds/ETFs 500,000

Direct Equity/PMS
Fixed Deposits 4,000,000
PPF 600,000
Gold Mutual Funds 100,000
Cash in Bank 300,000
Liquid Mutual Funds -
Long Term Debt Mutual Funds/Bonds -
Total Portfolio (INR) 5,500,000

Enter the recommended asset allocation for portfolio and SIPs for each goal. Note that Total must be 100% for each goal
Annual Expense
Recommended Asset Allocation for Current Portfolio and SIPs(%) till Retirement
Equity Mutual Funds/ETFs
Direct Equity/PMS
Fixed Deposits
PPF
Gold Mutual Funds
Cash in Bank
Liquid Mutual Funds
Long Term Debt Mutual Funds/Bonds
Total 0%

Recommendations
Annual Return based on Chosen Asset Allocation (%) 0%
Present Value of Amount Required for Each Goal based on chosen Asset Allocation(INR) -
Recommended Portfolio Allocation for Each Goal (INR) -
Recommended Annual SIP Required for Each Goal (INR) -

Total Amount Required (based on chosen Asset Allocation) (INR) 8,240,868

Total Current Portfolio Amount Available to Invest (INR) 5,500,000
Total Annual SIP Needed after Investing Current Portfolio (INR) 311,148
Total Annual SIP Amount Available to Invest (INR) 312,500

You have enough savings to achieve your financial goals. Invest excess towards your
retirement goal.

Asset Allocation Summary (INR)

 Current Asset
Asset Class Allocation

Equity 500,000
Debt/Cash/Gold 5,000,000
Total (INR) 5,500,000

Asset Allocation of Current Portfolio(INR)

Current Asset
Asset Class Allocation

Equity Mutual Funds/ETFs 500,000

Direct Equity/PMS -
Fixed Deposits 4,000,000
PPF 600,000
Gold Mutual Funds 100,000
Cash in Bank 300,000
Liquid Mutual Funds -
Long Term Debt Mutual Funds/Bonds -
Total Portfolio* (INR) 5,500,000

Annual Expense
Annual SIP Amount Allocation from Annual Savings (INR)* till Retirement
Equity Mutual Funds/ETFs -
Direct Equity/PMS -
Fixed Deposits -
PPF -
Gold Mutual Funds -
Cash in Bank -
Liquid Mutual Funds -
Long Term Debt Mutual Funds/Bonds -
Total (INR) -

Annual Expense
Recommended Asset Allocation for Current Portfolio(INR) till Retirement
Equity Mutual Funds/ETFs -
Direct Equity/PMS -
Fixed Deposits -
PPF -
Gold Mutual Funds -
Cash in Bank -
Liquid Mutual Funds -
Long Term Debt Mutual Funds/Bonds -
Total (INR) -
 Annual Savings are Annual Salary plus Annual Rental and Other Income minus Annual Expenses

The Present Value of Annual Expenses needed till Retirement will change based on your Recommended Asset Allocation % for
come will fund your expenses.You do not need to allocate any amount from the current porfolio for your annual expenses

Assumes that salary, rental and other income is not available after retirement

Post Tax Expected

Rate of Return

12% Assumes 10% Tax Rate on Long-term Capital Gains

12% Assumes 10% Tax Rate on Long-term Capital Gains
5% Assumes Income Tax Rate on Interest
7%
6% Assumes 20% Tax Rate on Long-term Capital Gains
3% Assumes Income Tax Rate on Interest
5% Assumes Income Tax Rate on Short-term Capital Gains
6% Assumes 20% Tax Rate on Long-term Capital Gains

Goal 2 (Rename to Goal 3 (Rename to Goal 4 (Rename to Goal 5 (Rename to

Holiday
your goal) your goal) your goal) your goal)
 - - - - -

9%
0%
73%
11%
2%
5%
0%
0%

ust be 100% for each goal

Goal 2 (Rename to Goal 3 (Rename to Goal 4 (Rename to Goal 5 (Rename to
Holiday your goal) your goal) your goal) your goal)

0% 0% 0% 0% 0%

0% 0% 0% 0% 0%
- - - - -
- - - - -
- - - - -

Assumes the given annual growth rate for SIPs

 Recommended Recommended
Current Asset Recommended Asset Asset Allocation Annual SIP Annual SIP
Allocation (%) Allocation (%) Allocation (INR) Allocation (%)

9% 4,235,000 77% 239,584 77%

91% 1,265,000 23% 71,564 23%
100% 5,500,000 100% 311,148 100%

Recommended Asset Recommended Recommended Recommended

Current Asset Allocation of Asset Allocation of Annual SIP Annual SIP
Allocation (%) Portfolio Portfolio (%) Allocation (INR) Allocation (%)

9% 4,235,000 77% 239,584 77%

0% - 0% - 0%
73% 110,000 2% 6,223 2%
11% 605,000 11% 34,226 11%
2% 110,000 2% 6,223 2%
5% 110,000 2% 6,223 2%
0% 220,000 4% 12,446 4%
0% 110,000 2% 6,223 2%
100% 5,500,000 100% 311,148 100%

Goal 2 (Rename to Goal 3 (Rename to Goal 4 (Rename to Goal 5 (Rename to

Holiday your goal) your goal) your goal) your goal)
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -

Goal 2 (Rename to Goal 3 (Rename to Goal 4 (Rename to Goal 5 (Rename to

Holiday your goal) your goal) your goal) your goal)
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
commended Asset Allocation % for this financial goal
ur annual expenses

Retirement

60
 Long Term
97,635,938

Retirement
77%
0%
2%
11%
2%
2%
4%
2%
100%

10%
8,240,868
5,500,000
311,148
Retirement
239,583.94
-
6,223
34,226.28
6,222.96
6,222.96
12,445.92
6,222.96
311,147.97

Retirement
4,235,000
-
110,000
605,000
110,000
110,000
220,000
110,000
5,500,000
Financial Planning Template for Non Real Estate Investments
For educational purposes only
Enter your inputs in the Yellow Cells
The Assumptions are in Red font

Current Age 35
Annual Salary (net of tax) (INR) 1,312,500
Annual Rental and Other Income (net of tax) (INR) -
Income Tax Rate 25%
Annual Expenses (INR) 1,000,000
Savings Growth Rate (%) 0%

Annual Savings (INR) 312,500

Savings Growth Rate (%) 0%
Present Value of Annual Expense Needed till Retirement (INR) -
Your income will fund your expenses
Retirement Goal
Retirement Age 60
Annual Expense Post Retirement (Without Inflation) (INR) 1,000,000
Life Expectancy 90
Inflation 6%
Post Retirement Return 8%

Annual Expense at Retirement (Age 60) (INR) 4,291,871

Amount Needed at Retirement (INR) 97,635,938

Pre-Retirement Returns
Expected Rate of
Asset Class Return

Equity Mutual Funds/ETFs 13%

Direct Equity/PMS 13%
Fixed Deposits 7%
PPF 7%
Gold Mutual Funds 8%
Cash in Bank 4%
Liquid Mutual Funds 7%
Long Term Debt Mutual Funds/Bonds 7%

Annual Expense
Name of the Goal
till Retirement
Amount Required (Without Inflation) (INR) (One-time)
Age when Required 35
Inflation for the Goal
Type of Goal Medium Term
Amount Required at Time of Goal (With Inflation) (INR) -

Asset Allocation of Current Portfolio (INR)

Current Asset
Asset Class Allocation

Equity Mutual Funds/ETFs 500,000

Direct Equity/PMS
Fixed Deposits 4,000,000
PPF 600,000
Gold Mutual Funds 100,000
Cash in Bank 300,000
Liquid Mutual Funds -
Long Term Debt Mutual Funds/Bonds -
Total Portfolio (INR) 5,500,000

Enter the recommended asset allocation for portfolio and SIPs for each goal. Note that Total must be 100% for each goal
Annual Expense
Recommended Asset Allocation for Current Portfolio and SIPs(%) till Retirement
Equity Mutual Funds/ETFs
Direct Equity/PMS
Fixed Deposits
PPF
Gold Mutual Funds
Cash in Bank
Liquid Mutual Funds
Long Term Debt Mutual Funds/Bonds
Total 0%

Recommendations
Annual Return based on Chosen Asset Allocation (%) 0%
Present Value of Amount Required for Each Goal based on chosen Asset Allocation(INR) -
Recommended Portfolio Allocation for Each Goal (INR) -
Recommended Annual SIP Required for Each Goal (INR) -

Total Amount Required (based on chosen Asset Allocation) (INR) 23,152,681

Total Current Portfolio Amount Available to Invest (INR) 5,500,000
Total Annual SIP Needed after Investing Current Portfolio (INR) 1,371,145
Total Annual SIP Amount Available to Invest (INR) 312,500

Your current portfolio and SIP investments are not enough to meet your financial
goals. You can increase the equity allocation of your current portfolio and SIPs or you
can adjust your financial goals. Answer: He would need to save thi
Asset Allocation Summary (INR)

Current Asset
Asset Class Allocation

Equity 500,000
Debt/Cash/Gold 5,000,000
Total (INR) 5,500,000

Asset Allocation of Current Portfolio(INR)

Current Asset
Asset Class Allocation

Equity Mutual Funds/ETFs 500,000

Direct Equity/PMS -
Fixed Deposits 4,000,000
PPF 600,000
Gold Mutual Funds 100,000
Cash in Bank 300,000
Liquid Mutual Funds -
Long Term Debt Mutual Funds/Bonds -
Total Portfolio* (INR) 5,500,000

Annual Expense
Annual SIP Amount Allocation from Annual Savings (INR)* till Retirement
Equity Mutual Funds/ETFs -
Direct Equity/PMS -
Fixed Deposits -
PPF -
Gold Mutual Funds -
Cash in Bank -
Liquid Mutual Funds -
Long Term Debt Mutual Funds/Bonds -
Total (INR) -

Annual Expense
Recommended Asset Allocation for Current Portfolio(INR) till Retirement
Equity Mutual Funds/ETFs -
Direct Equity/PMS -
Fixed Deposits -
PPF -
Gold Mutual Funds -
Cash in Bank -
Liquid Mutual Funds -
Long Term Debt Mutual Funds/Bonds -
Total (INR) -
 Annual Savings are Annual Salary plus Annual Rental and Other Income minus Annual Expenses

The Present Value of Annual Expenses needed till Retirement will change based on your Recommended Asset Allocation % for
come will fund your expenses.You do not need to allocate any amount from the current porfolio for your annual expenses

Assumes that salary, rental and other income is not available after retirement

Post Tax Expected

Rate of Return

12% Assumes 10% Tax Rate on Long-term Capital Gains

12% Assumes 10% Tax Rate on Long-term Capital Gains
5% Assumes Income Tax Rate on Interest
7%
6% Assumes 20% Tax Rate on Long-term Capital Gains
3% Assumes Income Tax Rate on Interest
5% Assumes Income Tax Rate on Short-term Capital Gains
6% Assumes 20% Tax Rate on Long-term Capital Gains

Goal 2 (Rename to Goal 3 (Rename to Goal 4 (Rename to Goal 5 (Rename to

Holiday
your goal) your goal) your goal) your goal)
 - - - - -

9%
0%
73%
11%
2%
5%
0%
0%

ust be 100% for each goal

Goal 2 (Rename to Goal 3 (Rename to Goal 4 (Rename to Goal 5 (Rename to
Holiday your goal) your goal) your goal) your goal)

0% 0% 0% 0% 0%

0% 0% 0% 0% 0%
- - - - -
- - - - -
- - - - -

Assumes the given annual growth rate for SIPs

r: He would need to save this much more every year 1,058,645

 Recommended Recommended
Current Asset Recommended Asset Asset Allocation Annual SIP Annual SIP
Allocation (%) Allocation (%) Allocation (INR) Allocation (%)

9% 500,000 9% 124,650 9%
91% 5,000,000 91% 1,246,496 91%
100% 5,500,000 100% 1,371,145 100%

Recommended Asset Recommended Recommended Recommended

Current Asset Allocation of Asset Allocation of Annual SIP Annual SIP
Allocation (%) Portfolio Portfolio (%) Allocation (INR) Allocation (%)

9% 500,000 9% 124,650 9%
0% - 0% - 0%
73% 4,000,000 73% 997,196 73%
11% 600,000 11% 149,579 11%
2% 100,000 2% 24,930 2%
5% 300,000 5% 74,790 5%
0% - 0% - 0%
0% - 0% - 0%
100% 5,500,000 100% 1,371,145 100%

Goal 2 (Rename to Goal 3 (Rename to Goal 4 (Rename to Goal 5 (Rename to

Holiday your goal) your goal) your goal) your goal)
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -

Goal 2 (Rename to Goal 3 (Rename to Goal 4 (Rename to Goal 5 (Rename to

Holiday your goal) your goal) your goal) your goal)
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
commended Asset Allocation % for this financial goal
ur annual expenses

Retirement

60
 Long Term
97,635,938

Retirement
9%
0%
73%
11%
2%
5%
0%
0%
100%

6%
23,152,681
5,500,000
1,371,145
 Retirement
124,649.55
-
997,196
149,579.46
24,929.91
74,789.73
-
-
1,371,145.05

Retirement
500,000
-
4,000,000
600,000
100,000
300,000
-
-
5,500,000