26. can work with you to tailor this report to your changing situation by making the necessary adjustments. The overall results you achieve when you carry out some or all of the recommendations contained in this plan. Changes that occur in your financial circumstances as well as in the economy can affect this plan. Information about market values reflects values on the date provided by you. It is important that you keep track of your progress and make changes as needs arise; therefore we recommend annual updates. As with any plan, the final responsibility for any action you take rests with you. Important The projections or other information made by Plan Builder about the likelihood of various investment outcomes are hypothetical in nature, and do not reflect actual investment results and are not guarantees of future results. Privacy We treat the information gathered during the planning process as strictly confidential and will use any such information only for business purposes you have with me. The information obtained will not be disclosed to any unaffiliated third-party except if such information is required by law or regulatory process or authorized by you in writing Powered by TCPDF (www.tcpdf.org) Page 26 of 26
8. Income & Expenses Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Page 8 of 26
19. Recommendations Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Health Insurance Recommendations For Manish Virmani Mr. Manish Virmani you are under insured by Rs. 500000 , Health Insurance offers protection against the medical expenses due to illness for you, in absence of adequate health insurance cover your hard earned saving may be quickly exhausted. To provide the best available health insurance solution we have recommended following policy which are best as per our research and you needs. Page 19 of 26
17. Recommendations Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Life Insurance Recommendations For Manish Virmani Mr. Manish Virmani You are under insured by Rs. 17162500.5 , this amount is important to protect your family's financial security & have a lumpsum to pay off financial obligations and a source of income to meet daily living expenses. To fulfill your Life Insurance need we have selected few plans which suits you requirements whose details are given below : Page 17 of 26
21. Contingency Fund Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Your Must have a Contingency fund to have ample amount of liquidity in case of unexpected medical expenses, job loss, or other unforeseen events. The amount depends on circumstances like additions to your family, job stability, change in relationship status and other near term financial goals will impact your decisions on the amount you should save. Contingency fund should be invested in short-term investments such as savings, liquid funds or Bank Flexi-Deposits. Contingency Fund For You Monthly Living Expenses Rs. 55000 Months Covered For Contingency Fund 6 Months Total Required Contingency Fund Rs. 330000 Page 21 of 26
2. Table of Contents Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Letter of Understanding.................................................................... Fees Structure................................................................................... Steps of Financial Planning.................................................................... Personal Information......................................................................... Financial Summary............................................................................ Income & Expenses........................................................................... Assets - Liability & Net Worth............................................................. Financial Ratios.................................................................................. Asset Allocation Analysis................................................................... Life Insurance Need Analysis............................................................ Health Insurance Need Analysis........................................................ Goal Planning..................................................................................... Our Recommendations...................................................................... Important Disclosure......................................................................... Page 2 of 26
13. Financial Ratios Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Debt Asset Ratio (Total Debt Assets to Total Assets Ratio) The higher this ratio, the more burden there is on the individual to make payments on his or her debts. If the ratio is too high, the individual will have a hard time accessing other forms of financing. All Assets Rs 680000 All Liabilities Rs 1400000 Debt Asset Ratio 2.06 Page 13 of 26
3. Letter of Understanding Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Dear Mr. Manish Virmani ̧ This document is meant to give you a better understanding of what you may expect from the financial planning process, and what our respective obligations are within that process. I provide comprehensive financial planning services with complete bouquet of Wealth Management products, I am bound by professional secrecy and may not disclose any of your confidential information without your written consent unless required to do so by law. As clients you understand and agree to the terms of this agreement: I am as a client agrees to provide all necessary information pertaining to their personal finances as may be reasonably requested at the time or in the future for the purpose of preparing your financial plan. I am understand that they are under no obligation to act on the recommendations presented in this financial plan and that they are fully responsible for all decisions related to the advice given by Us, Financial Planner. At client request I as a financial planner can and will implement the recommendations identified in their financial plan. All advice and recommendations will be submitted to client in written form. Client may request and I may recommend additional consultations with qualified legal and accounting professionals. Should you choose to work with these professionals this service will be at your discretion and at your expense. All information received from my client and all recommendations made to my client will be regarded by both parties as confidential. If fees are involved for the consultation, preparation and review of a financial plan these fees will be confirmed in writing in below format. The details of this fee structure is included in this document. 9- You are solely responsible for acting on any recommendations or advice detailed in this plan Page 3 of 26
1. Prepared for Mr. Manish Virmani Oct,15,2019 Prepared By SECURITY INVESTMENTS LIMITED 608-609 SKYLARK BUILDING 60 NEHRU PLACE NEW DELHI email@example.com Mob- Ph- 01146631111 Page 1 of 26
25. Important Disclosure Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Disclaimer SECURITY INVESTMENTS LIMITED has no control over the accuracy of the information provided by clients. SECURITY INVESTMENTS LIMITED does NOT guarantee the results for your plan, the calculation is as per the data provided by client & necessary assumptions. Estimates of income and growth in the plan will be based on assessments of prevailing economic conditions and investment manager performance. However no guarantee of future performance will be given and results may vary from the estimates shown. The figures in the plan include various estimates with respect to taxation and other laws which we believe to be relevant. This service agreement is not enforceable by law and is a document of trust and faith. Purpose and Nature of this Report This confidential report has been developed to provide you background information on issues you may want to discuss further as part of your personal financial planning. You may be familiar with some of these subjects. Others may be new to you and may present aspects that you have not yet considered. This financial plan is a general plan based on information you supplied. Where we had no information from you, we made a few general assumptions which may not be suitable for you depending on your own specific needs and circumstances. The usefulness of this analysis will depend on the accuracy and completeness of that information. The results provide: An overall view of your present financial position. An analysis of your family\'s future financial needs. An examination of the impact of time and potential inflation. An evaluation of your goals to see if they are practical and achievable. Possible adjustments or changes to help achieve your goals. This financial analysis will show you how much money you need to save and invest, the rate of return needed to reach your goals, and how much insurance you need, if any. It will also show you how to carry out your course of action. Setting goals, planning, implementing and monitoring, results in a complete program. During the plan delivery session, you may discuss more facts and circumstances relevant to your family\'s finances that may alter the recommendations made here. I Page 25 of 26
18. Health Insurances Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Health Insurance Cover and Expenses Protection Analysis Your Health Insurance Need To Protect Expenses of Hospitalization 500000 Your Current Health Insurance Coverage 0 Your Additional Need of Health Insurance 500000 Your Spouse's Health Insurance Need To Protect Expenses of Hospitalization 500000 Your Spouse's Current Health Insurance Coverage 0 Your Spouse's Additional Need of Health Insurance 500000 Mr. Manish Virmani, You are under insured by Rs. 500000 and Your spouse is under insured by Rs. 500000 at this time. Health Insurance has been calculated as per the current medical expenses trends in the hospitals as per your living standards. Insurance against loss by illness or bodily injury. Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder. Page 18 of 26
20. Asset Allocation Recommendations Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Your Asset allocation recommendation is based on your income and growth needs and your risk tolerance. Research has shown that choosing among asset classes has a greater impact on your investment returns than the specific investments you select or how well you time the market. The study, cited below, concluded that asset allocation accounted for 91.6% of a portfolio's investment return. Other factors such as investment selection and market timing only accounted for 8.4% of the return. Research: Brinson, Singer, Beebower, "Determinants of Portfolio Performance II: An Update", Financial Analysts Journal, May-June 1991 Asset Class Current Recommended Buy/Sell Action Equity 29.41 % 75 % 0 % Debt 61.76 % 20 % 0 % Cash 0 % 5 % 0 % Commodities 8.82 % 0 % 0 % Alt Investment 0 % 0 % 0 % Page 20 of 26
22. Goal Planning Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Parth's Education Planning Your children will need high levels of training and education to secure employment in a world that is becoming increasingly competitive and technology driven. This page summarizes the education plans for your children and how much you should invest on a monthly basis in order to meet their Education funding needs. Goal Year Year 2030 Tenure to Achieve this Goal 11 Years from Now Current Goal Amount Rs. 15000000 After 11 Years, Goal amount would be Rs. 35850797 Inflation Assumed for this Goal 8% Parth's Education Planning Recommendations This recommendation is developed keeping in mind your risk profile, your goal and time horizon for meeting this goal. This portfolio recommendation is designed using intelligent investment instrument selection and diversification to protect you from taking more than your desired level of risk. Goal Achievement through Monthly Savings Rs. 131577 Goal Achievement through Lumpsum Investment Rs. 9764745 * Expected Rate of Return for SIP & Lumpsum Investment is - 12 % Page 22 of 26
5. Steps of Financial Planning Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Step 1 : Clarify Your Present Situation The financial planner clarifies your present situation by collecting and assessing all relevant financial data such as lists of assets and liabilities, persona/family informations, records of securities transactions, insurance policies, will, pension plans, etc. Step 2 : Identify Goals and Objectives The financial planner helps you to identify both financial and personal goals and objectives as well as clarify your financial and personal values and attitudes. These may include providing for children’s education, supporting elderly parents or relieving immediate financial pressures which would help maintain your current lifestyle and provide for retirement. These considerations are important in determining the best financial planning strategy for you and your family. Step 3 : Identify Financial Problems The financial planner identifies financial problems that create barriers to achieving financial independence. Problem areas can include too little or too much life and general insurance coverage. Your cash flow may be inadequate, or the current investments may not be winning the battle with changing economic times. These possible problem areas must be identified before solutions can be found. Step 4 : Recommendations The financial planner provides written recommendations and alternative solutions. The length of the recommendations will vary with the complexity of your situation, but they should always be structured to meet the your needs without undue emphasis on purchasing certain investment products. Step 5 : Implement Strategies A financial plan is only helpful if the recommendations are put into action. Implementing the right strategy will help you reach the desired goals and objectives. The financial planner should assist you in either actually executing the recommendations, or in coordinating their execution with other knowledgeable professionals. Step 6 : Monitor and Review The financial planner provides periodic review and revision your financial plan to assure that the goals are achieved. Your financial situation should be re-assessed at least once a year to account for changes in your life and current economic conditions. Page 5 of 26
10. Liabilities Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Liability Final Installment on Date EMI Rate of Loan Amount Outstanding Liability Holder Personal Loan 07-07-2023 39000 11.00 % 1400000 Spouse Total Rs 39000 / Month 1400000 Current Net Worth The difference between what you own and what you owe is your net worth. Monitoring the net worth helps in tracking progress towards a specific financial goal. Description Amount Assets Rs. 680000 Liabilities Rs. 1400000 Net worth Rs. -720000 Page 10 of 26
6. Personal Information Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Your Details Spouse Details First Name Mr. Manish Virmani Leena Virmani Birthdate 22-12-1987 05-01-1992 Age 32 Years 27 Years Marital Status Married Married Occupation Chartered Accountant Business Person Address AGCO Trading (India) Pvt Ltd Sector 48 Gurgaon Haryana 122018 N/A City Gurgaon N/A State Haryana N/A Country India N/A Contact No 9582285656 N/A Email firstname.lastname@example.org N/A Dependent Detail Full Name Age Relation Profession Parth Virmani 3 Child Student Page 6 of 26
23. Goal Planning Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Mr.Manish Virmani's Retirement Planning An important aspect of your financial plan is to ensure that you are financially secure during your retirement years. In this retirement plan, we compare your income needs to your income sources during retirement to determine if you have enough capital to sustain your desired lifestyle. Retirement Starts From Year 2048 at the Age of 61 Retirement Ends On Year 2067 at the Age of 80 Time Left for Retirement 28 Years From Now Current Expenses Monthly Rs. 55000 or Yearly Rs. 660000 At your Retirement, Your Expenses Would be Monthly Rs. 291447 or Yearly Rs. 3497363 Expected Inflation Rate Assumed 6 % Expected Returns on Retirement Corpus 8 % Total Corpus Required at Retirement Rs. 58907487 Mr.Manish Virmani's Retirement Planning Recommendations This recommendation is developed keeping in mind your risk profile, your goal and time horizon for meeting this goal. This portfolio recommendation is designed using intelligent investment instrument selection and diversification to protect you from taking more than your desired level of risk. Goal Achievement through Monthly Savings Rs. 21876 Goal Achievement through Lumpsum Investment Rs. 2149816 * Expected Rate of Return for SIP & Lumpsum Investment is - 12 % Page 23 of 26
12. Financial Ratios Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Liquid To Net Worth Ratio Your liquid net worth defines the amount of your net asset worth that you can convert to cash easily. The first step to determining your liquid net worth is to calculate your net worth and then determine how much of your net asset worth is liquid. You do this by subtracting the total liabilities from the total assets and then determining how much of that amount the individual is willing and able to convert to cash readily. Networth Rs 680000 Liquid Networth Rs 380000 Liquid To Networth Ratio 0.56 Solvency Ratio Solvency Ratio is a measure of your ability to pay-off all your loans by selling your assets (provided they are convertible to cash). A ratio of 1.5 or more is good as it shows your debts are under control vis-a-vis your assets. However anything below 1 should be taken seriously and you must take steps to reduce debt. Networth Rs 680000 Liabilities Rs 1400000 Solvency Ratio 0.49 Page 12 of 26
15. Asset Allocation Analysis Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Asset Liquidity Level Asset Liquidity Analysis will show how much liquidity you have and identify the best sources of cash at the time of need. Asset Liquidity Level Share Very High Liquidity 8.82 % High Liquidity 47.06 % Moderate Liquidity 0 % Low Liquidity 44.12 % Total 100 % Asset Liquidity Level Amount Very High Liquid Investment Rs. 60000 High Liquid Investment Rs. 320000 Moderate Liquid Investment Rs. 0 Low Liquid Investment Rs. 300000 Total Rs. 680000 Page 15 of 26
9. Assets Liability & Networth Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Particulars Invested Amount Current Value Rate of Interest Type Category Return Type Return Efficiency Liquidity Level PPF (Balance Upto Date) N/A 300000 8 % Debt Illiquid Fixed Moderate Low Bank FDs N/A 120000 7 % Debt Liquid Fixed Moderate High Mutual Fund - Equities 200000 200000 12 % Equity Liquid Variable High High Gold/Silver 60000 60000 10 % Commoditi es Liquid Variable Moderate Very High Total 260000 680000 Page 9 of 26
4. Fee Structure Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Financial Planning Fees Consultation Fees Rs 0 Financial Plan Preparation Rs 0 Per Plan Review Rs 0 Mutual Funds Fees As per the market regulator SEBI's guidelines Circular No:" SEBI/IMD/CIR No. 4/ 168230/09 (http://www.sebi.gov.in/circulars/2009/imd_cir_3009.pdf )" stipulates that investors directly make payments to distributors instead of Mutual Funds companies deducting it from the investment made in any scheme. 1. UpFront Fee (Equity Funds) (%) 2. UpFront Fee (Debt Funds) (%) 3. UpFront Fee (Liquid Funds) (%) 4. AUM Based Charges (%) 5. One Time Charges Rs. 0 Online Wealth Management Desk Fees 1. Wealth Desk (Individual login) Rs 0 2. Wealth Desk (Family login) Rs 0 3. SMS Alerts Charges Rs 0 It is agreed that I will conduct a review with you in every (please tick) 3[ ], 6[ ] or 12[ ] months. In the event of changes that may affect your personal circumstances (ie. a change to the Income Tax Act announced in budget), I will contact you by telephone or e-mail. You should contact me in financial circumstances change (ie. as a result of marriage, birth of a child, inheritance, etc.). The services outlined previous are in accordance with my requirements. The terms set out are acceptable to me, and are hereby agreed to : Signature Mr. Manish Virmani Date ____________________ Signature SECURITY INVESTMENTS LIMITED Date ____________________ Page 4 of 26
11. Financial Ratios Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Reserve/Surplus Ratio The Reserve/Surplus Ratio is the proportion of income which is in surplus. Any ratio above 25 considered as good to achieve financial goals. Income Rs 290000 Expenses Rs 132416.67 Reserve/Surplus Ratio 54.34 Saving To Surplus Ratio The Saving To Surplus Ratio is the proportion of Monthly Saving on Reserve/Surplus Ratio. Income Rs 290000 Expenses Rs 132416.67 Surplus Amount Rs 157583.33 Monthly Saving Rs. 0 Saving to Surplus Ratio 0 Debt To Income Ratio The higher this ratio, the more burden there is on the individual to make payments on his or her debts. If the ratio is too high, the individual will have a hard time accessing other forms of financing. Total Monthly Debt Rs 39000 Total Monthly Income Rs 290000 Debt to Income Ratio 0.13 Page 11 of 26
16. Life Insurances Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Company Name Type of Policy Policy Holder Premium Frequency Premium Yearly Premium Sum Assured Start Date Maturity Date LIC Whole Life Manish Virmani Quarterly 22000 88000 1000000 01-01-2018 01-01-2039 LIC Endowment Manish Virmani Annual 23000 23000 200000 01-02-2018 01-02-2040 HDFC Unit Linked Manish Virmani Annual 50000 50000 500000 01-01-2019 01-01-2029 HDFC Unit Linked Manish Virmani Annual 100000 100000 1000000 01-01-2019 01-01-2029 HDFC Unit Linked Leena Virmani Annual 150000 150000 1000000 01-01-2019 01-01-2029 LIC Endowment Leena Virmani Annual 50000 50000 1000000 01-01-2018 01-01-2029 Total Rs. 461000 4700000 Life Insurance Cover and Expenses, Outstanding Loan, Goal Protection Analysis Your Insurance Need To Cover Expenses of Family/Dependents 19862500.5 Your Current Insurance Coverage 2700000 Your Additional Need of Life Insurance 17162500.5 Your Spouse ́s Insurance Need To Cover Expenses of Family/Dependents 1400000 Your Spouse's Current Insurance Coverage 2000000 Your Spouse ́s Additional Need of Life Insurance Insured Adequately Mr. Manish Virmani You are under insured by Rs.17162500.5 and Your spouse is adequately insured at this time.Expenses protection has been calculated assuming your total monthly Expenses of Rs. 105000 . Every individual who contributes to his/her family's Expenses needs to ensure that if something fatal were to happen to him/her tomorrow, there are enough assets to take care of the family's living expenses so that the loved ones do not have to go through a financial loss as well. The Expenses protection corpus is calculated after taking into consideration the sum total of your current Expenses and all current liabilities and existing insurance(if any) which is available to cover the family's living needs. Liabilities and Goals are highly recommended to be protected so that incase of any mishappening with you, your family can pay off the outstanding loans with the amount received from the claim and invest that to achieve the Goals which is protected by you. Therefore the amount of outstanding liabilities and selected goals are also included as part of the recommended insurance. Page 16 of 26
7. Income & Expenses Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Managing your financial affairs properly requires a clear understanding of your sources of income and expenditures. This can help you to assess your ability to save & invest, critically assess your present standard of living, understand if you are living within or beyond your means and highlight problem areas, if any. Earnings Mr. Manish Virmani's Rs. 200000 Ms. Leena Virmani's Rs. 60000 Other/Rental Income Rs. 30000 Total Income Rs. 290000 Expenses House Hold Expenses House Rent 0 Telephone 1000 Mobile Phones 0 Electricity 7000 Transportation 7000 Groceries 7000 Household Servants 0 Medical Expenses 5000 Clothing & Accessories 8000 Educational Fees 11000 Dining Out 4000 Other Expenses 5000 Total Rs 55000 Other Expenses Insurance Premiums * 38416.67 House Loan EMI 0 Car Loan EMI 0 Personal Loan EMI 39000 Loan Others 0 Credit Card Payment 0 Total other Expenses 77416.67 Total Household Expenses 55000 Grand Total Rs 132416.67 * On Monthly Basis Monthly Surplus / Deficit Surplus Per Month Rs 157583.33 Page 7 of 26
14. Asset Allocation Analysis Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Existing Financial Asset Allocation Asset Allocation is a tool designed to maximize the return on your portfolio while minimizing risk. It involves structuring a diversified portfolio from three broad asset classes Equity, Debt and Cash. To reach on your ideal asset allocation it's important to know where you are currently standing. Asset Share Debt Assets 61.76 % Equity Assets 29.41 % Cash Assets 0 % Commodities 8.82 % Alt Investment 0 % Total 99.99 % Asset Amount Debt Investments Rs 420000 Equity Investments Rs 200000 Cash Investments Rs 0 Commodities Rs 60000 Alt Investments Rs 0 Total Rs 680000 Return Efficiency Level Expected Return Delivery Return efficiency analysis show the return potential of current asset allocation, which can fine tune based on your income and growth needs and your risk tolerance. This analysis interpret the aggregate expectation of returns on each return efficiency level, which will be helpful in doing changes to find right asset mix to achieve goals. Return Efficiency Level Share High Return Investment 29.41 % Moderate Return Investment 70.59 % Low Return Investment 0 % Total 100 % Expected Return Delivery Amount Share High Investment Aggregate 200000 12 % Moderate Investment Aggregate 480000 8 % Low Investment Aggregate 0 0 % Total 680000 9.18 % Page 14 of 26
24. Goal Planning Prepared By SECURITY INVESTMENTS LIMITED Prepared for Mr. Manish Virmani Cash Flow for Entire Retirement Duration Age Corpus A Monthly Expenses B Annual Expenses C = B X 12 Balance D = A - C Interest E = D X 8% Balance + Growth F = D + E 61 58907487 291447 3497363 55410124 4432810 59842934 62 59842934 308934 3707205 56135729 4490858 60626587 63 60626587 327470 3929637 56696950 4535756 61232706 64 61232706 347118 4165415 57067291 4565383 61632674 65 61632674 367945 4415340 57217334 4577387 61794721 66 61794721 390022 4680260 57114461 4569157 61683618 67 61683618 413423 4961076 56722542 4537803 61260345 68 61260345 438228 5258741 56001604 4480128 60481732 69 60481732 464522 5574265 54907467 4392597 59300064 70 59300064 492393 5908721 53391343 4271307 57662650 71 57662650 521937 6263244 51399406 4111952 55511358 72 55511358 553253 6639039 48872319 3909786 52782105 73 52782105 586448 7037381 45744724 3659578 49404302 74 49404302 621635 7459624 41944678 3355574 45300252 75 45300252 658933 7907201 37393051 2991444 40384495 76 40384495 698469 8381633 32002862 2560229 34563091 77 34563091 740378 8884531 25678560 2054285 27732845 78 27732845 784800 9417603 18315242 1465219 19780461 79 19780461 831888 9982659 9797802 783824 10581626 80 10581626 881802 10581619 7 1 8 Page 24 of 26
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