Private and Confidential ARB Financial Consultants Strictly Private & Confidential Comprehensive Financial Planning Service Plan By : Ashish Ramesh Bhave CFP CM Page 1 of 37 Comprehensive Financial Planning Service Planning for MR.Kumar & Family For Planning year July -2011 Plan By : Ashish Ramesh Bhave CFP CM Page 1 of 37
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Private and Confidential ARB Financial Consultants
Strictly Private & Confidential
Comprehensive Financial Planning Service
Plan By : Ashish Ramesh Bhave CFPCM Page 1 of 37
Comprehensive Financial Planning Service
Planning for MR.Kumar & Family
For Planning year July -2011
Plan By : Ashish Ramesh Bhave CFPCM Page 1 of 37
Private and Confidential ARB Financial Consultants
Disclaimer
A Financial Plan is a generic direction to your cash flows over a period of time. Your future financial
condition may alter due to changes in income/expense patterns, new family commitments, macro
economic scenario etc which may prompt you to alter some aspects of your goals and add new goals.
Therefore this Financial Plan and the Cashflows depicted in it should be used to give you a long term
direction for managing your personal finances while taking immediate actions as a step towards
accomplishing your financial objectives.
These recommendations are subject to review at the time when you are actually taking actions as
recommended because of changes in legal circumstances, economic conditions etc. If considerable time has
elapsed since the date of this plan, you should not act on any specific recommendation without further
consideration with the planner.
Returns from each recommended investment will vary in line with market conditions and investment policies of
the fund manager. Income and growth assumptions are intended as a guide only and should be treated with
caution. The planner should not be held responsible for the accuracy of the same. Most equity/ growth
investment are long term in nature and significant variations including capital loss, may occur over shorter
periods. Neither the authorized representative nor the company guarantees the performance or return of
capital on any of these investments. Performances of investments are subject to market risks. Past
performances of a particular asset class or investment may not be the true indicator of their performance in
future.
These recommendations are based on the information you have supplied. If any material information has been
withheld or any inaccurate, these recommendations could prove to be inappropriate for you.
While we have made every attempt to ensure that the calculations contained in this Financial Plan are correct
and complete, kindly note the plan may contain inaccuracies or errors due the manual-computer interface
involved in making the calculations and we expressly exclude liability for any such inaccuracies or errors. In the
case where a error or omission is involved, you can request us to rectify the error or omission, we shall do
needful.
Disclosure
If the product recommendation are implemented through us, we would receive applicable brokerage from
all/some the investments recommended. We will be entitled to commission directly from product providers.
We will be also eligible to other incentives including allowances and incentives based on volumes, discounted
services and awards.
Plan By : Ashish Ramesh Bhave CFPCM Page 2 of 37
Private and Confidential ARB Financial Consultants
Life Goals Yes/No
Insurance Planning (HLV - Income replacement Method ) Yes
Contingency Planning & Funding Yes
Children Higher education & Marrige Exp. Planning Yes
Retirement Planning Yes
Purchase of House Yes
Purchase of Car Yes
International Vacation Yes
Others Yes
Analysis Yes/No
Inflow/Outflow Yes
Assets/Liabilities Yes
Life Cashflows & Goal feasibility study Yes
Insurance Policies Yes
Mutual Funds Yes
Equity Portfolio Yes
Debt Instruments Yes
Others Yes
Scope of Work For Comprehensive Financial Planning consultancy Service.
Further to the Data Gathering Meeting held, we shall be covering the following in the your Personal Financial Plan to give you
Financial Planning Recommendations & a Goal-Oriented Investment Strategy;
Plan By : Ashish Ramesh Bhave CFPCM Page 3 of 37Plan By : Ashish Ramesh Bhave CFPCM Page 3 of 37
Private and Confidential ARB Financial Consultants
Plan By : Ashish Ramesh Bhave CFPCM Page 4 of 37
Financial Planners Summary
Plan By : Ashish Ramesh Bhave CFPCM Page 4 of 37
Private and Confidential ARB Financial Consultants
Sr. No GoalsFuture value of
GoalGoal can be achived
1 Graduation 3,379,488 Yes Successfully
2 MS 5,694,633 Yes Successfully
3 Marriage 4,322,427 Yes Successfully
4 Others NA
1 0 NA Yes Successfully
2 0 NA Yes Successfully
3 0 NA Yes Successfully
4 0 NA Yes Successfully
1 Retirement Fund 85,124,708 Yes Successfully
1 Europe Tour 674,023 Yes Successfully
2 Europe Tour 1,135,768 Yes Successfully
3 Europe Tour 1,913,836 Yes Successfully
4 Europe Tour 3,224,925 Yes Successfully
5 Europe Tour 5,434,186 Yes Successfully
6 Europe Tour 9,156,919 Yes Successfully
1 Car 1 562,432 Yes Successfully
2 1 st change 769,727
3 2nd change 1,053,425
4 3rd change 1,441,684
Planners Comment - Planning year July 2011
Child 1 Education
Child 2 Education
Retirement
International Tours
Car
Plan By : Ashish Ramesh Bhave CFPCM Page 5 of 37
Private and Confidential ARB Financial Consultants
Sr. No Discription Need Calculation criteria Amount / Action to takeC
on
tin
ge
ncy
Contingency Fund
This is the fund required
as a support to Families
requirements in
emergencies.
6 X (monthly Household Exp +
Monthly Life style exp. + Monthly
commited Exp. Like insurance
premiums, EMI Etc.)
Rs. 638100/- to be maintained (
50% in Savings Flexi Fix a/c &
remaining in FD )
Medical Insurance To protect our existing
asset. The Life style of Individual & Age. Continue with existing plan
Accidenental &
Disability Policy
To protect our existing
asset.
For earning member in the family.
Monthly income X 75
SA : 7500000/- to Self & 4500000
for spouce
2 wheeler Plolicy To protect liability Third party liability insurance. As per company rules.
Life
in
sura
nce
Term insurance
To protect the
important financial goals
& liabilities
Creation of Fund to take care of Basic
Financial Goals & liabinities - Existing
life insurance.
Additional SA of Rs. 66 lac& 33 lac
to you & your spouce each for 10
& 20 years duration
Life insurance Investments to be made
in Efficient way Yield from investment Continue all the policies
PPF Self NA NA NA
Immidiate Corrective actions - Planning year July 2011
Financial plan - Portection system
Ge
ne
ral
Insu
ran
ce
Financial Plan - Existing Investment
Fix
ed
Inco
me
inst
rum
en
t
Plan By : Ashish Ramesh Bhave CFPCM Page 6 of 37
Private and Confidential ARB Financial Consultants
Products SIP Amount Yearly amount Remarks
HDFC Equity Fund 6000 72,000
DSPBR Equity Fund 6000 72,000
IDFC Premier equity
Fund13000 156,000
HDFC Midcap
Opportunities Fund8000 96,000
Canara Robeco
emerging Equity5400 64,800
ICICI Pru Dynamic Fund 5400 64,800
Birla Divident Yield Plus 3600 43,200
DSPBR Micro cap fund 3000 36,000
SBI Gold ETF 3,000 36,000
Nationlised Bank 319,050 50% of Contingency Fund
Savings A/C with Auto
sweep facility 319,050 50% of Contingency Fund
Nationlised Bank 72,000 Debt Portion of asset
allocationNationlised Bank 179,879 Reserves to time market
Investment strategy - Planning year July 2011Investment Statistics
Existing Financial Asset 680,473
Goals Funding for current year. 638,100
Reserves to be maintained in short term deposits
timing market 179,879
investment Product recommnendation
Bank FD
Net asset 42,373
Income in this year - regular exp. 857,022
Total investable surplus 899,395
Available funds for regular investment 719,516
Total Equity & Gold 640,800
Total Debt 889,979
Plan By : Ashish Ramesh Bhave CFPCM Page 7 of 37
Private and Confidential ARB Financial Consultants
Asset Class Amount investment % Distribution
Large cap Equity 144000 16%
Midcap Equity 316800 35%
Small cap Equity 36000 4%
Opportunity Equity 108000 12%
Gold 36000 4%
Debt 72000 8%
Reserves to time market 179879.0375 20%
Total 892679.0375 100%
Investment strategy - Planning year July 2011
Investment strategy - Planning year July 2011
Plan By : Ashish Ramesh Bhave CFPCM Page 8 of 37
Large cap Equity
16%
Midcap Equity
36%
Small cap Equity
4%
Opportunity Equity
12%Gold
4%
Debt
8%
Reserves to time
market
20%
Investment strategy - Planning year July 2011
Plan By : Ashish Ramesh Bhave CFPCM Page 8 of 37
Private and Confidential ARB Financial Consultants
Plan By : Ashish Ramesh Bhave CFPCM Page 9 of 37
Data & ARBARBARBARB's Recommendation
Plan By : Ashish Ramesh Bhave CFPCM Page 9 of 37
Private and Confidential ARB Financial Consultants
Personal & Dependent Details
Today's Date 19-Jul-11
Particulars Self Spouse
Title(Mr,Mrs,Ms) Mr. Mrs. Mr.
First Name Kumar Kumari Mrs.
Gender Male Female
Date of Birth 18-Sep-76 10-Sep-77 Male
PAN No. KYC complied ? Yes Yes Female
Residential Status Indian Indian
State of Health Good Good Service Private
Critical illness? N Diabetis Service Govt.
Smoker? N N Self employed
Date of Marriage(if applicable) 15/2/1994 Professional
Occupation Service Housewife Housewife
Life Expectancy 85 85 Retired
NA
Dependent Details
Name of Dependent Date of Birth Relationship Occupation Health Status
Chiranjiv 21-Mar-05 Child -1 NA Good
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 10 of 37
Private and Confidential ARB Financial Consultants
Income & Expenses details
Monthly Income
Income Head Self Spouse Total
Income from salary( NET/GROSS) 120000 60000 180000
Income from Business or Profession 0 0 0
Income from Other Sources 0 0 0
Gross Total 120000 60000 180000
Deductions if any 0 0 0
Net Income 120000 60000 180000
Growth in salary in % 9% 9%
Income from House property 0 0% 0
Total income 120000 60000 180000
Monthly Expenditure
Monthly Annual % of Income Inflation rate
15,000 180,000
8,000 96,000
5,000 60,000
1,000 12,000
1,600 19,200
1,500 18,000
32,100 385,200 18% 13%
2,000 24,000
5,000 60,000
1,000 12,000
0 0
5,000 60,000
13,000 156,000 7% 13%
2,000 24,000
0 0
2,000 24,000 1% 11%
0 20,790
0 3,988
250 5,000
250 29,778 0% 0%
22,000 264,000
0 0
12,000 144,000
34,000 408,000 19% 0%
81,350 1,002,978 45%
98,650 1,183,800 55%
0 0
0 0
25,000 300,000
8,500 102,000
33,500 402,000 19%
65,150 781,800 36%
12.92% 47,100
Electricity / Water / Labour / AMCs
Particulars
Food & Grocery
House Rent / Maintenance / Repair
Conveyance, Fuel & Maintenance
Medicines / Doctor / Healthcare
Life Insurance (Term)
Mobile / Telephone / Internet
Household Expenses
Clothes & Accessories
Shopping, Gifts, Whitegoods, Gadgets
Dining / Movies / Sports
Personal Care / Others
Travel & Annual Vacations
Lifestyle Expenses
Children's Schooling/College Expenses
Contribution to Parents, Siblings etc
Dependent Expenses
Insurance Premiums (Investments)
Mediclaim/PA/CI
Motor Insurance
Pure Insurance Premiums
Home Loan 1 EMIs
Home Loan 2 EMIs
Personal Loan EMIs
Loan Servicing
Surplus (Savings-Investments)
Customised Economic inflation
End of page
Net Outflows
Savings (Inflows-Outflows)
PF + VPF+PPF
Recurring Deposits (RDs)
Mutual Fund SIPs
Regular Monthly Investments
Plan By : Ashish Ramesh Bhave CFPCM Page 11 of 37
Private and Confidential ARB Financial Consultants
Sr. No. Holder Script Market rate No of script Total value ARB's
Recommendation
1 Self ASHOK LEYLAND LIMITED 24.75� 350 8,662.50 Sale
2 Self TATA CONSULTANCY SERVICES 965.00 25 24,125.00 Sale
3 Self HDFC BANK LIMITED 464.45� 125 58,056.25 Sale
4 Self SATYAM COMPUTER SERVICES LIMITED 71.05� 50 3,552.50 Sale
5 Self SHREE RENUKA SUGARS LIMITED 57.35� 500 28,675.00 Sale
6
7
8
9
10
11
12
13
14
15
16
17
18
19
Total 123071
Note : These all the scripts to be sold in Phased manner to enter in Our proposed portfolio.
Equity Investments
Plan By : Ashish Ramesh Bhave CFPCM Page 12 of 37
Total 123071
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 12 of 37
Private and Confidential ARB Financial Consultants
Sr.
NoFund Name
Option
(gr./div.)Holder
SIP
Y/NAmount
Total
Units
Latest
NAV
Present
Value
Locked in
(Y/N)
ARB's
Recommendation
1 Birla frontline growth self yes 3,000 560.00 67.79 37,962 No Hold
2 Franklin India BLUECHIP growth self yes 3,000 140.552 215.76 30,325 No Sale
3 HDFC TOP 200 growth self no 25,000 110 212.46 23,370 No Sale
4 HDFC BALANCED growth self no 45,000 917.436 58.78 53,926 No Sale
5 HDFC MidCap Opportunities growth self no 30,000 1,890.96 16.83 31,819 No Hold
6
7
8
9
Total 106,000 177,402
1
2
3
4
Total 0 0
Mutual Funds
Equity & Hybrid MF
To be sold or switched as per the requirement of portfolio.
Debt MF
End of page
Plan By : Ashish Ramesh Bhave CFPCM Page 13 of 37
Private and Confidential ARB Financial Consultants