Yaseen
Javad Financial Plan
Armstrong
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Assets Current Investment
Real Estate INR 1,20,00,000
PF INR 2,00,000
FD INR 1,00,000
Direct equity INR 7,50,000
Total INR 1,30,50,000
Current Assets
Investment Allocation
Real estate
PF
FD
direct equity
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
SIP Allocation
INR 60,000 Monthly
INR 17k SIP
For Retirement
INR 25k Equity
Mutual Fund for
Kids education plan
INR 8k Equity Mutual
Fund for Home loan
repayment
INR 10k into Liquid
funds for Annual
vacations
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Asset allocation
Debt /Equity Allocation
Debt• PF-5K contribution
• MF-7K SIP
• Liquid fund-10K SIP
(33%)
Equity• MF-25K SIP
• Home loan MF-8K SIP
(77%)
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Investment Done Till Now
ULIP
Fund name Fund premium (PA) Premium payment
term(in years)
Current fund
value/coverage
BSL enhancer 60K - 10 lakh
ICICI pru pinnacle 80K 2010-2017( 7 years) -
TOTAL
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Liabilities
• Initial amount of 40 lakh.
• 30 lakh outstanding.
• EMI of 50K with 10% interest.
Home loan
• Initial amount of 4 lakh taken.
• EMI of 17K with 2.5 years remaining.
Car loan
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Current home loan repayment
30 lakh outstanding
amount
EMI of INR 50000
Interest component
of INR 1176000
Expected repayment
time of 7 years
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Corpus of 2.17 lakh can be created
every 2 years to be added
to EMI.
Start SIP of 8Kinto equity MF
Interest component
will be reduced to
8.9 lakh
Expected repayment
time of 5 years
Proposed Home loan repayment plan
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
EMI SIP for Retirement
All invested into equity MF with ROI
12% for Retirement
17K SIP from car loan ending in 2018
50K SIP from home loan ending in 2020
Upon retirement in the
year 2035, a total corpus
of 3.61 crore.
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Kids Education plan
• Presently 6 years
• Need a higher. education corpus by 2027.
• SIP of 15K per month.
Anushka
• Presently 1 year
• Need a higher education corpus by 2032.
• SIP of 10K per month.Arav
A corpus of 48 lakh can be
attained
A corpus of 66 lakh can be
attained
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Retirement SIP allocation
17K SIP
7K into Debt funds
10K into equity MF
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Retirement plan(retirement year-2035)
• SIP of 10K into Equity MF. with another SIP of 17K starting in 2018 and 50K in 2020.
Equity MF(12%)
• SIP of 7K into debt MFDebt MF
• Holding portfolio worth 7.5 lakhDirect equity
• Accumulated corpus worth 2 lakh with 5K contribution.PF
98,33,075+24,945,569+11,206,652
53,02,732
30,04,794
43,62,321
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Annuity plan
EMI SIP(12%)
Equity MF(12%)
Debt MF(8%)
PF(8%)
TOTAL
EMI SIP
(3,61,522)
Equity MF
(98,330)
Debt MF
(35,351)
PF
(29,082)
524,285
Armstrong
Armstrong Capital Advisory Pvt. Ltd.
Contact Us
Armstrong Capital Advisory Pvt. Ltd.
Mb No: +91
E-mail: [email protected]
www.armstrong-cap.com