1. Sample Financial Plan Report in Excel 30/09/2012
Scope of Personal Financial Plan / Financial Objective ::
Based on the information's, we have obtained from you in quantitative or qualitative manner, we have analysed the same. This financial plan may provide guidance on your financial
objectives as you have mentioned during our conversation. The scope of financial plan is as follows :
Cash Flow Analysis of your current Income -Expense structure and certain assumption of rise-fall in income & expenses, assessment of future situation of cash flow
Analysis
Assessment of emergency funds need through short term cash flow.
To protect your family through adequate life insurance. To meet the future expenses with future need or in minimum - replacement of your income to your family. Analysis of
Risk
your current Life Insurance Portfolio & basis on that how much life insurance to be required with efficient & cost effective future cash flow in your survival mode. To seek
Protection adequate Health Insurance including analysis of current General Insurance Policies you have.
Investments
To make a Investment portfolio, which is easy to manage, can provide timely fund for required financial goals with cost effective management & optimum returns. Complete
analysis of Mutual Fund Investment Portfolio with recommendation to prepare efficient portfolio, which can earn better risk adjusted return & help to achieve future financial
goal smoothly & generate wealth. Also suggest & do analysis of with profit Life Insurance policies, Pension Plans, other Fixed Return Scheme like Post Office Scheme, Company
FD, NCD, FDR, Cash A/c. to maintain better liquidity, proper asset allocation with earn return in tax efficient manner.
Estate Plan Estate plan assessing the financial impact upon death and the disposition.
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2. Sample Financial Plan Report in Excel
Present Cost of Inflation Effect - Fund to be 30/09/2012be
Fund to
Age at Goal
Financial Goal Particulars Goal Priority Goal OR Target Present Goal Amount
Start
required in Period required for
Goal Amount will rise @Rate OR Year No. of Years
% wise Amt. wise Child Age
High 0 0% 0
Child Future Planning Fund for - Pre-Primary & Primary Education High 50000 10% 12 2013 - To - 2015 3
Fund for - Secondary & Higher Sec. Education High 100000 10% 15 2016 - To - 2019 4
Planning
Fund for - Graduation & Higher Education Optional 100000 10% 19 2020 - To - 2022 3
For-Kevin Fund for - Post Graduation & Master Degree High 500000 10% 22 2023 - To - 2025 3
Fund for - For start in life High 1500000 5% 28 2029 1
Fund for - Marriage Expenses High 300000 6% 30 2031 1
High 0 0% 0
Fund for - Pre-Primary & Primary Education High 50000 10% 12 2013 - To - 2015 3
Planning Fund for - Secondary & Higher Sec. Education High 100000 10% 15 2016 - To - 2019 4
For- Fund for - Graduation & Higher Education Optional 100000 10% 19 2020 - To - 2022 3
Fund for - Post Graduation & Master Degree High 500000 10% 22 2023 - To - 2025 3
Sandhya
High 0 0% 0
Fund for - Marriage Expenses High 300000 6% 30 2031 1
Your Age
Future Financial Goal
Fund for - Need - New Residential House High 3500000 6% 47 2020 1
Fund for - Need - Motor Car Medium 800000 6% 42 2015 1
Fund for - Need - Bike for Kevin Medium 70000 6% 45 2018 1
Fund for - Need - Scooty for Sandhya Medium 55000 6% 48 2021 1
Future Fund for - Need - 2 Computer System Medium 80000 5% 44 2017 1
Need & Fund for - Dream - Farm House & Land Optional 3000000 6% 57 2030 1
Fund for - Need - Home Appliances / Furniture Optional 250000 0% 10000 56 2029 1
Dreams
Fund for - Dream - Create Wealth for Family Optional 5000000 0% 77 2050 1
High 0 0% 0
Fund for - Dream - Foreign Tour Optional 250000 5% 62 2035 - To - 2055 Every 5 Year
Fund for - Dream - Domestic Long Tour Optional 40000 5% 57 2030 - To - 2045 Every 3 Year
Your Age
Retirement
Fund for - Funds to be required to provide regular expenses
Planning
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High 7224450 60 2033 1
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from Retirement year onwards.
Retirement
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Fund for - Medical Expenses High 500000 6% 60 2033 1
Corpus &
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Fund for - Tour - Yatra Medium 1000000 5% 60 2033 1
Provision
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Fund for - Donation / Gift Low 1000000 5% 60 2033 1
Fund for - Reserve Balance Optional 1000000 6% 60 2033 1
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3. Sample Financial Plan Report in Excel 30/09/2012
Personal & Family Information
Name : Amar Patel Office Address :
Res.: 0261-12345678 123, xxxxxxxxxxxxxx
Contact No.:
Cell : 9999988888 xxxxxxxxxxxxxxxxxxx
E-mail : amar.patel@moneycarefp.com Location / City : Surat
Sex Male State : Gujarat Country: India
Marital Status : Married Residential Address :
Personal & Family Information
Education : M.Sc. 345, zzzzzzzzzzzzzzzzz
Job / Business? Doing Job zzzzzzzzzzzzzzzzzzzzzzzzz
Working Field : Medical / Pharma Location / City : Surat
Organisation : XYZ Co. State : Gujarat Country: India
If in Job, Started Year 2000 Residential Status : Own
Birth Date : 07/05/1973 Age : 39 Have you a habits of Smoking? Yes
Retirement Planned at Age-Years 60 Have you a habits of chewing Gutkha? Yes
Life Expectancy : Years 80 Have you a habits of drinking alcohol? Yes
Spouse Information
Name : Sangita Patel Working Field : Financial Services
Give Details
If Working,
Education : B.Com. Organisation : ABC. Co.
Birth Date : 16/07/1976 Age : 36 If in Job, Started Year 0
Working Status: Working Retirement Planned at Age-Years 60
Job / Business? Self Employed Life Expectancy : Years 80
Family / Dependant Information
Name Sex Relationship Current Status Health Status Date of Birth Age
Amar Patel Male Self Doing Job Very Good 07/05/1973 39
Sangita Patel Female Spouse / Wife Working Very Good 16/07/1976 36
Maheshbhai Patel Male Father Retired Above Average 05/02/1948 64
Sujataben Patel Female Mother Retired Average 22/11/1951 60
Kevin Male Son Studying Very Good 18/04/2001 11
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Sandhya Female Daughter Studying Very Good 26/02/2006 6
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4. Sample Financial Plan Report in Excel 30/09/2012
Present Situation, Findings & Analysis
Present : Cash Inflow -Outflow Analysis
Present Cash Flow Situation :
Inflow Outflow
Particulars % of Total Housing
Yearly Amount Rs. Income Personal Income Spouse Income Food
Expenses
Current Income : Particulars Amount Rs.
Other Income Personal Particulars
Outflow Expenses
10%
Personal Expenses
Personal Income / Business Income OR Salary Income 620657 64% Personal Expenses 68400
12%
Regular Income
Income 620657 8%
Spouse Income / Business Income OR Salary Income 180000 19% Spouse Income 180000 Housing Expenses 83400
Agriculture Income etc. 150000 16% Other Income 165000 Food Expenses 104600 Living
64%
Expenses
House Rent Income 0 Living Expenses 114600
13%
Other Income 0 Health Expenses 52400
Other Income 0 2% 19% Entertainment Expenses 62000
Other Income 0 Investment Loan Repayment 132000 Health
17% Outflow Expenses
Interest Income from Advances / Loan Given 15000 15000 Investment Outflow 257991
29% 6%
965657 Entertainm
Net Total Income : ( Amount Rs.: ) 965657 ent
Loan
Expenses
Cumulative Surplus Repayment
Current Expenses : Outflow %
Regular Expenses
7%
Outflow % Ratio% 15%
Personal Expenses 68400 14%
Basic Surplus : ( Total Income - Total Expenses)
Housing Expenses 83400 17%
As per
700000
Food Expenses Annexure of 104600 22%
Detailed 50%
Living Expenses Expenses 114600 24% 600000
Sheet
Health Expenses 52400 11%
500000
Entertainment Expenses 62000 13%
400000
Total Expenses : ( Amount Rs.: ) 485400
Basic Surplus Basic Surplus : ( Total Income - Total Expenses) 480257 50% 300000
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& Loan Regular Payment towards Loan EMI / Interest Payment 132000 14%
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Repayment 200000
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Total Outflow : 617400 64%
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Net Surplus available for Investments : 348257 36% 100000
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Surplus & Regular Investment Commitment from Surplus Amount : 257991 27%
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0
Investments
2012
2014
2016
2018
2020
2022
2024
2026
2028
2030
2032
Net Outflow (After Investment Commitment) : 875391 91%
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Net Balance ( + / - ) - C/F to Cash Account : 90266 9%
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5. Sample Financial Plan Report in Excel 30/09/2012
Present & Projected - Cash : Inflow -Outflow Analysis
Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash : Net Total Income : ( Amount Rs.: )
3500000
3000000
2500000
2000000
1500000
1000000
500000
0
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
-500000
Regular Investments : Balance C/F to Cash : Net Surplus available for Investments :
700000
600000
500000
400000
300000
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200000
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100000
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0
M
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
-100000
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6. Sample Financial Plan Report in Excel 30/09/2012
Breakup of Outflow Expenses : Loan Repayment : Regular Investments : Balance C/F to Cash :
100%
80%
60%
40%
20%
0%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
-20%
Breakup of Expenses
Personal Expenses Housing Expenses Food Expenses Living Expenses Health Expenses Entertainment Expenses
100%
90%
80%
70%
60%
50%
40%
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30%
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20%
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10%
Sa ple
0%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
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7. Sample Financial Plan Report in Excel 30/09/2012
Assets ( Personal & Investments )
For Personal / Family use
Fixed Assets - Outstanding
(Personal / Family Use ) Current Value Appreciation Depreciation Assets bought Wants to use for Assets Worth,
Assets owner? Under Lien? Loan Amount
of Assets Rs. (%) (%) on Loan? goal funding? as of today?
Immovable Properties Rs.
Fixed Assets -
Residential Building / Flat 0 1500000 5% 0% Yes Yes Yes 150183 1349817
Agriculture Land 0 1500000 5% 0% No 0 No 0 1500000
Shop / Office Premises 0 0 5% 0% No 0 0 0 0
Movable Properties
Furniture / Fixtures / Paintings 0 750000 0% 5% No 0 No 0 750000
Home Contents / Appliances 0 200000 0% 5% No 0 No 0 200000
Home Contents / Appliances 0 0 0% 0% No 0 0 0 0
Four Wheelers 0 300000 0% 10% Yes 0 Yes 0 300000
Four Wheelers 0 0 0% 0% No 0 0 0 0
Two Wheelers 0 35000 0% 10% Yes 0 Yes 22629 12371
Two Wheelers 0 0 0% 0% No 0 0 0 0
Two Wheelers 0 0 0% 0% No 0 0 0 0
Jewellery / Gold Ornaments 0 250000 6% 0 0 Yes 250000
Fixed Assets
Appreciation Depreciation
( Investments Purpose Only )
Investment Purpose
(%) (%)
Immovable Properties
Additional Residence / Flat
Fixed Assets -
0 0 5% 0% No 0 0 0 0
Commercial Land 0 0 5% 0% No 0 0 0 0
Agriculture Land 0 0 5% 0% No 0 0 0 0
Holiday Home / Farm House 0 0 5% 0% No 0 0 0 0
Shop / Office Premises 0 1000000 5% 0% No 0 0 0 1000000
Any Others 0 0 5% 0% No 0 0 0 0
Movable Properties
Gold / Silver / Ornaments 0 350000 6% 0% 0 Yes 350000
Gold / Silver / Ornaments 0 100000 6% 0% 0 Yes 100000
Gold / Silver / Ornaments 0 0 6% 0% 0 0 0
Total Amount Rs.: 5985000 172812 5812188
Summary :
Assets worth &
Immovable Properties 3000000 150183 2849817
Personal
Liabilities
Movable Properties 1535000 22629 1512371
Purpose only
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Total Amount Rs.:
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4535000 172812 4362188
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Immovable Properties 1000000 0 1000000
Investment
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Movable Properties 450000 0 450000
Purpose only
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Total Amount Rs.: 1450000 0 1450000
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Fixed Assets : : Grand Total Rs.:: 5985000 172812 5812188
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8. Sample Financial Plan Report in Excel 30/09/2012
Investments
Future Future Surrender Fixed OR Weighted
Current Current
Asset Type Asset Category Scheme Category Investment Investment Income from Value / Cash Estimated Average Rate of
Value Return (%)
Allocation (%)
Return (%)
Commitment Investment Value
Cash & Equivelant
Cash Cash Account Cash Account + Savings A/c. Balance 225668 225668 4.00%
Bank FDR Bank Fixed Deposit : < 1 Year 120000 114000 8.00%
Mutual Funds Debt -Liquid 11424 11195 8.00%
- 357092 - - 350863 5.95% 5.47%
Fixed Return Schemes
Bank & Company FDR / NCD's
Debt Bank FDR Bank Fixed Deposits > 1 Year 100000 106660 - - 95994 8.16%
Bonds / NCD's & Co. FD's Company FD's 135000 137371 - 45943 123634 10.49%
Bonds & NCD's 250000 254064 - 40050 228657 10.42%
485000 498094 - 85993 448285 8.30% 9.96%
Post Office Schemes
Debt Post Office Scheme Post Office Recurring Deposit Scheme 65500 80297 24500 - 72267 7.95%
Senior Citizen Savings Scheme 150000 150000 - 50625 135000 9.00%
Post Office Monthly Income Scheme 350000 350000 - 106833 315000 8.14%
Kisan Vikas Patra 35000 37402 - - 33662 8.41%
National Savings Certificates 80000 86073 - - 77466 8.62%
Post Office - Time Deposits 25000 26746 - - 24072 8.56%
705500 730518 24500 157458 657467 12.18% 8.38%
Direct Equity
Equity Stock Market Direct Equity - 86304 - - 64728 18.00% 1.44% 18.00%
Mutual Fund
Equity Mutual Funds Equity - Diversified - 630663 5796000 - 567597 15.00%
Equity - Diversified -ELSS - 756828 2142000 - 681146 15.00%
Equity - Sectoral - 44704 - - 40234 15.00%
Equity - Thematic & Others - 115360 - - 103824 15.00%
Hybrid Hybrid Fund - Balanced - 14804 - - 13324 12.55%
Hybrid Fund - Asset Allocation/Others - - - - - 10.00%
Hybrid Fund - MIP - 17176 - - 15458 9.40%
Debt Debt -Short Term, Income & G. Sec. - - - - - 8.00%
- 1579536 7938000 - 1421583 26.33% 14.92%
Gold / Silver ( ETF / Coins / Bars )
Gold Mutual Funds Gold Funds / ETF - - - - - 8.00%
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Gold / Silver- ( Coins / Bars / Ornaments) 450000 405000 6.00%
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- 450000 - - 405000 7.50% 6.00%
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Real Estate
Properties Properties Investment Real Estate & Other Properties 1000000 800000 5.0% 16.67% 5.00%
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Retirement Fund
Debt Retirement Fund Retirement A/c. - Contribution (EPF / EPS) 315000 1710720 - 9.50%
Post Office Scheme Public Provident Fund 85000 124000 147000 - - 8.00%
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85000 439000 1857720 - - 7.32% 9.08%
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9. Sample Financial Plan Report in Excel 30/09/2012
Investments
Future Future Income Surrender
Asset Type Asset Category Scheme Category Investment Current Value Investment from Value / Cash IRR (%)
Commitment Investment Value
Traditional Life Insurance / Pension Plan
Debt Life Insurance Single Prem.-Traditional Life Ins.Plan 50000 92125 - - 53213 4.80%
Single Prem.-Traditional Pension Plan 45000 81500 - - 73350 3.93%
Reg. Prem. -Traditional Life Insurance Plan 218966 343466 175185 37500 150004 4.78%
Reg. Prem.-Traditional Pension Plan 51600 96600 77400 - 38418 5.71%
365566 613691 252585 37500 314984 10.23% 4.81%
Unit Linked Life Insurance / Pension Plan
Equity Life Insurance Single Prem.-Unit Linked Insurance Plan 50000 53000 - - 51000 4.49%
Reg. Prem.-Unit Linked Insurance Plan 50000 30000 - - 20000 -4.23%
Single Prem.-Unit Linked Pension Plan 50000 53000 - - 51000 4.49%
Reg. Prem.-Unit Linked Pension Plan 60000 108000 90000 - 91000 5.03%
210000 244000 90000 - 213000 4.07% 3.66%
5998235 10162805 280951 4675909 100.00%
Your Investment Portfolio is growing @pre-tax return (Weighted Average Return)
8.95%
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10. Sample Financial Plan Report in Excel 30/09/2012
Current Asset Allocation Analysis :
2500000
Equity
32%
2000000
Debt
1500000 38%
1000000
Gold
7%
500000
Properties
0 Cash 17%
Cash Debt Equity Gold Properties
6%
Current Value 357092 2300226 1890918 450000 1000000
Surrender Value 350863 1437765 1682281 405000 800000 Cash Debt Equity Gold Properties
1800000 Post Office Scheme
Bonds / NCD's &
14%
1600000 Co. FD's
7%
Stock Market Life Insurance
1400000 1% 14%
1200000
1000000
Physical Gold /
Funds / ETF
800000 Mutual Funds 7%
27%
600000
400000 Properties
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Investment
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200000 17%
Bank FDR
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Cash Account Retirement Fund
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4%
0 4% 5%
Physical Properti
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Bonds / Post Life Retirem
Cash Bank Mutual Stock Gold / es
NCD's & Office Insuranc ent
Sa ple
Account FDR Funds Market Funds / Investm
Co. FD's Scheme e Fund
ETF ent Cash Account Bank FDR Mutual Funds
Current Value 225668 226660 1590960 86304 391434 854518 857691 450000 1000000 315000 Stock Market Bonds / NCD's & Co. FD's Post Office Scheme
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Life Insurance Physical Gold / Funds / ETF Properties Investment
Surrender Value 225668 209994 1432778 64728 352291 657467 527984 405000 800000 0
Retirement Fund
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