WEALTH MANAGEMENT PLAN

Sample Wealth Management Plan

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WEALTH MANAGEMENT PLAN

Wealth Plan of Ajay Malhotra on 05 June 2008

Introduction
A personal financial assessment is designed to help you evaluate your current financial
position and your ability to achieve your objectives for the future.

Your ability to maintain your lifestyle objectives for the future is determined by your investment
capital and ongoing income. In analyzing your situation we need to consider what is
achievable given your current position, and how we can take best advantage of the assets you
have accumulated.

This plan has been prepared to assist in the analysis of your current financial position and to
help you identify steps that you can take to achieve your personal financial goals and
objectives. Although great care has been taken to ensure the accuracy of this report, it should
be kept in mind that projections, by their very nature, are based on a variety of assumptions
and as such it is likely that the actual results achieved will be somewhat different than
illustrated. For this reason it is very important that you review your strategy on a regular basis
to ensure its relevance to your changing financial position.
Personal Details
Self Spouse Contact Details
Name: Mr. Ajay Malhotra Name: Mrs. Meena Malhotra Home Address: Z-120, IP-
DOB: 15-Dec-1970 Age: 3S DOB: Ol-Feb-1971 Age: 37 Ext. Delhi,
PAN No: N A PAN No: N/A E-mail: [email protected]
Occupation: Tele Asia Corporation Occupation: Homemaker Contact no: 9891xxxxxx

Family Details
Name Relationship Date of Birth Age Dependant
Amit Son 08-Aug-1996 12 Yes
Chhavi Daughter 22-Jul-2003 4 Yes

Financial Goals
The following table lists your individual goals in today's value, when you expect to meet them
and the expected rate of inflation.

Goal (today's Inflation Start End

Description Frequency Priority
value) Rs. rate Year Year
Retirement planning -
Annual 3,00,000 5% 2033 2050
household expenses
Education - Amit Single 15,00,000 10% 2015 2015
Education - Chhavi Single 6,00,000 10% 2023 2023
Marriage - Amit Single 5,00,000 5% 2020 2020
Marriage - Chhavi Single 5,00,000 5% 2030 2030
Construction of
Single 10,00,000 5% 2010 2010
house
Vacation- Domestic Annual 30,000 5% 2009 2032
Vacation-
Single 1,00,000 5% 2010 2010
International

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WEALTH MANAGEMENT PLAN

Assumptions

1. As per your assessment we have assumed your the life expectancy Your Risk
for Mr. Malhotra and Mrs. Malhotra is age 75. Level
2. Retirement age of Mr. Malhotra is 62.
3. An average annual inflation rate of 5% is used in the analysis.
Following our
4. Liquid funds can expected to earn a 6% annual rate of return. discussions
5. Debt funds can be expected to earn an 8% annual rate of return. regarding your
6. Large cap equity funds can be expected to earn a 12% annual rate of investment
objectives and
return.
the completion
7. Mid cap equity funds can be expected to earn a 14 % annual rate of of the risk
return. profile
8. Education expenses are expected to increase at 10% per annum. questionnaire,
you are
9. Salary income is expected to increase at 15% per annum.
estimated to
10. Current living expenses is expected to increase at 10% per annum. have a
11. Post retirement expenses is expected to increase at 5% per annum. Aggressive
12. Post retirement investment can be expected to earn a 8% annual rate Risk Profile.
of return.

Assets Amount in Rs. % of total assets

Liquid Assets
Savings account 500,000
Liquid funds 0
Total 500,000 7%
Financial Assets
Fixed interest investments 0
Mutual funds 26,000
Direct equity 0
Cash value of life insurance policies 0
Employee stock option plan (ESOP) 0
Total 26,000 0%
Tangible Assets
Real estate 1,000,000
Other assets (eg. Art, Coin and Stamp Collections) 0
Total 1,000,000 13%
Personal Assets
Primary house 3,500,000
Vacation home 2,000,000
Car/Vehicle 0
Jewellery 50,000
Other personal assets 0
Total 5,550,000 72%
Retirement As s ets
Provident fund 400,000
Superannuation 150,000
Gratuity 50,000

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WEALTH MANAGEMENT PLAN

Public provident fund 10,000

Cash value of pension plan 0

Total 610,000 8%
Total Assets 7,686,000 100%

Liabilities and Net Worth

Outstanding Loan
Home loan 1,386,810 18%
Vehicle loan 0 0%
Personal/Credit card loan 0 0%
Education loan 0 0%

Total Liabilities 1,386,810 18%

Net Worth (total assets-total liabilities) 6,299,190 82%

Your Net Worth

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Monitor Cash Flow

CASH FLOW
Current Recommended

(Amount in Rs.)
% of
% of total
Description Annual Monthly total Annual Monthly
income
income
Income
Salary- Fixed (CTC) 1,056,000 88,000 1,056,000 88,000
Salary- Variable 144,000 12,000 144,000 12,000
Income from
0 0 0 0
business/profession
Pension 0 0 0 0
Rental income 0 0 0 0
Investment Income 0 0 0 0
Other income 0 0 0 0
Total Income 100% 1,200,000 100,000 100% 1,200,000 100,000
Expenses
Living Expenses
Household expenses 256,800 21,400 256,800 21,400
House rent 0 0 0 0
Education expenses 70,000 5,833 70,000 5,833
Total 27% 326,800 27,233 27% 326,800 27,233
Loan EMIs
Home lo an 169,188 14,099 169,188 14,099
Vehicle loan 0 0 0 0
Personal loan/Credit card 0 0 0 0
Total 14% 169,188 14,099 14% 169,188 14,099
Insurance Premiums
Life insurance 35,018 2,918 79,808 6,651
Health insurance 0 0 4,620 385
Motor insurance 0 0 0 0
Home(content) insurance 0 0 0 0
Home(building) insurance 0 0 0 0
Other insurance 0 0 0 0
Total 3% 35,018 2,918 7% 84,428 7,036
Other Expenses
Travel and vacation 0 0 0 0
Charity 0 0 0 0
Others 0 0 0 0
Total 0% 0 0 0% 0 0
Contribution to Emergency
0% 0 0 0% 0 0
Fund
Taxes 0 0
Salary- Fixed 191,800 15,983 191,800 15,983
Salary- Variable 43,200 3,600 43,200 3,600
Income from
0 0 0 0
business/profession
Pension 0 0 0 0
Rental income 0 0 0 0
Investment income 0 0 0 0
Other income 0 0 0 0
Total 20% 235,000 19,583 20% 235,000 19,583
Total Expenses 64% 766,006 63,834 68% 815,416 67,951
Excess (shortage) before
36% 433,994 36,166 32% 384,584 32,049
Savings
Savings 0 0
Contribution to Retirement as
0 0
sets
PF (employer's contribution) 4% 43,200 3,600 4% 43,200 3,600
PF (employee's contribution) 4% 43,200 3,600 4% 43,200 3,600
Superannuation 2% 24,000 2,000 2% 24,000 2,000
Gratuity 2% 24,000 2,000 2% 24,000 2,000
PPF 0% 0 0 0% 0 0
Excess (shortage) after
25% 299,594 24,966 21% 250,184 20,849
Savings

Create and maintain an adequate emergency fund

An amount equal to 2 months committed expenses amounting to approximately Rs. 1 lakh
should be maintained towards emergency fund. The committed expenses includes household
expenses, house rent, loan EMIs and insurance premia. We have allocated Rs. 1 lakh from
your savings account towards emergency need.
Your current savings account balance is Rs. 5 lakh.

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Your emergency fund

Category Amount in Rs.

Savings account amount allocated to emergency fund 1,00,000
Liquid funds 0
Total 1,00,000

Investment Planning
Current Asset Allocation
Asset allocation is the cornerstone of good investing. Each investment included in
your portfolio must be part of an overall asset allocation strategy. And this plan must
not be generic (one-size-fits-all), but rather must be tailored to your specific needs.
Based on the information that you have provided, the current asset allocation of your
portfolio is:
Asset Class Amount in Rs. % of total as s ets
Cash 400,000 93.90%
Liquid funds 0 0.00%
Fixed interest instruments 0 0.00%
Equity 26,000 6.10%
Total 426,000 100.00%

Expected Portfolio Return: 4.02%

Proposed Asset Allocation

In order to identify a recommended asset allocation that is appropriate for you, we

take into consideration your risk appetite, your current investment habits, future
goals, and your time horizon. These constraints are then translated into an asset
allocation strategy that optimizes the risk/reward relationship. Your proposed asset
allocation is :
Asset Class Amount in Rs. % of total as sets
Cash 0 0.00%
Liquid funds 21,300 5.00%
Fixed interest instruments 42,600 10.00%
Equity 362,100 85.00%
Total 426,000 100.00%

Expected Portfolio Return: 11.30%

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WEALTH MANAGEMENT PLAN

Portfolio Repositioning Recommendations

Current Recommended Repositioning

As s et Class Rs. % Rs. % Rs. %
Cash 400,000 93.90% 0 0.00% -400,000 -93.90%
Liquid fund 0 0.00% 21,300 5.00% 21,300 5.00%
Fixed Interest Invest- 0 0.00% 42,600 10.00% 42,600 10.00%
ments / Debt funds
Equity 26,000 6.10% 362,100 85.00% 336,100 78.90%
Total 426,000 100.00% 426,000 100.00% 0 0.00%

Protection Planning
The purpose of this protection planning section is to examine existing insurance coverage and
your protection needs. The goal is to determine whether there is adequate coverage or if any
additional coverage is needed.
Life Insurance
Life insurance need analysis requires that we look at what would happen in the event of your
deaths. This analysis is done using information you provided to us about your income,
expenditure, assets and insurance coverage.
We have computed the insurance coverage requirement for you so that in the event of your
death all household expenses that will need to be incurred by your family and all other financial
goals and liabilities are fully met.
Observation
Currently you are insured by four insurance policies with sum assured of Rs. 7 lakh. You pay
an annual premium of Rs. 35,018. (see existing life insurance details, Annexure 1)
Analysis
As per our analysis you are under insured by Rs. 92 lakh. (see life insurance need analysis,
Annexure 2). Further, you do not have any permanent or temporary disability insurance.
Recommendation
We recommend that you buy a life policy with sum assured of Rs. 90 lakh. Estimated annual
life insurance premium would be approximately Rs. 44,790.
Health Insurance
Currently, your family is insured by any health insurance policy. However, you have not shared
the details of employer provided health insurance policy.
We recommend that you buy a health insurance policy for your family with sum assured of Rs.
3 lakh. Estimated annual health insurance premium would be Rs. 4,620.
Planning for Goals
Goal: Retirement
Observation
You intend to retire at age 55. After retirement you need to plan for the following amount in
today's value.
1. Annual household expenses of Rs. 3 lakh in today's value between 2033 (your retirement
year) and 2046 (life expectancy).
Analysis
Based on your current and projected financial situation you can meet the the above mentioned
goal to the extent as mentioned below:

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WEALTH MANAGEMENT PLAN

Amount in Rs. (in today's value)

Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Household expenses 2033-2046 Rs. 3 lakh/year Rs. 3 lakh/year 0
Amount in Rs. (in today's value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Household expenses 2033-2046 Rs. 10.15 lakh/yearRs. 10.15 lakh/year 0
Recommendation
Funding available towards goal
You should consider utilizing the following sources of cash to help you fund your goal as per
our analysis.

1. Retirement accounts
Description Current holding Allocated to this goal
Provident fund Rs. 4 lakh Rs. 4 lakh
Pubic provident fund Rs. 10,000 Rs. 10,000
Superannuation Rs. 1.50 lakh Rs. 1.50 lakh

Annual contribution to retirement accounts

Description Year Your contribution Employer contribution
PF contribution 2008-2032 Rs. 43,200/year Rs. 43,200/year
Superannuation 2008-2032 Rs. 24,000/year
Projected retirement account corpus in 2033
Provident fund (Estimated return 8% p.a.) Rs. 90.55 lakh
Public provident fund (Estimated return 8% p.a.) Rs. 98,485
Superannuation (Estimated return 8% p.a.) Rs. 27.81lakh
Total Rs. 1.19 crore
Note: Your PF and superannuation contribution has been conservatively assumed to be
constant although your salary is increasing year on year.
Goal: Education - Amit
Observation
You need to plan for the following amount in today's value.
1. Education expenses of Rs. 15 lakh in today's value in the year 2015
Analysis
Based on your current and projected financial situation you can meet the the above mentioned
goal to the extent as mentioned below:
Amount in Rs. (in today's value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Education expenses 2015 Rs. 15 lakh Rs. 15 lakh 0
Amount in Rs. (in future value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Education expenses 2015 Rs. 29.23 lakh Rs. 29.23 lakh 0
Recommendation
Funding available towards goal
You should consider utilizing the following sources of cash to help you fund your goal as per
our analysis.

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1. Existing financial assets such as mutual funds and direct equity investments
Description Current holding Allocated
Mutual funds Rs. 26,000 Rs. 26,000
Savings account Rs. 5 lakh Rs. 4 lakh
Projected portfolio amount in 2015 (Estimated portfolio return 11.50% p.a.) Rs. 9.12 lakh

Note: All the allocated amount to be invested in recommended portfolio as per the investment
section.
2. Annual income surplus
A. Contribution to be made towards investments
Description Year Estimated amount in Rs.
Annual regular income surplus 2008 Rs. 1.44 lakh
2009 Rs. 1.88 lakh
2010 Rs. 1.16 lakh
2011 Rs. 98,626
2012-2014 Rs. 3.24 lakh/year
Projected portfolio amount in 2015 (Estimated portfolio return 11.50% p.a.) Rs. 20.11 lakh
Note: All the estimated annual income surplus to be invested in recommended portfolio as
applicable at that time.
Goal: Education - Chhavi
Observation
You need to plan for the following amount in today's value.
1. Education expenses of Rs. 6 lakh in today's value in the year 2023
Analysis
Based on your current and projected financial situation you can meet the above mentioned goal
to the extent as mentioned below:
Amount in Rs. (in today's value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Higher Education expenses 2023 Rs. 6 lakh Rs. 6 lakh 0

Amount in Rs. (in future value)

Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Higher Education expenses 2023 Rs. 25.06 lakh Rs. 25.06 lakh 0
Recommendation
Funding available towards goal
You should consider utilizing the following sources of cash to help you fund your goal as per
our analysis.
1. Annual income surplus
A. Contribution to be made towards investments
Description Year Estimated amount in Rs.
Annual regular income surplus 2013-2022 Rs. 1.46 lakh/year
Projected portfolio amount in 2023 (Estimated portfolio return is 11.50% p.a.) Rs. 25.06 lakh
Note: All the estimated annual income surplus to be invested in recommended portfolio as
applicable at that time.

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Goal: Marriage - Amit

Observation
You need to plan for the following amount in today's value.
1. Marriage expenses of Rs. 5 lakh in today's value in the year 2020
Analysis
Based on your current and projected financial situation you can meet the the above mentioned
goal to the extent as mentioned below:
Amount in Rs. (in today's value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Marriage expenses 2020 Rs. 5 lakh Rs. 5 lakh 0
Amount in Rs. (in future value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Marriage expenses 2020 Rs. 8.97 lakh Rs. 8.97 lakh 0
Recommendation
Funding available towards goal
You should consider utilizing the following sources of cash to help you fund your goal as per
our analysis.
1. Annual income surplus
A. Contribution to be made towards investments
Description Year Estimated amount in Rs.
Annual regular income surplus 2014-2019 Rs. 1.14 lakh/year
Projected portfolio amount in 2020 (Estimated portfolio return is 10.90% p.a.) Rs. 8.97 lakh
Note: All the estimated annual income surplus to be invested in recommended portfolio as
applicable at that time.
Goal: Marriage - Chhavi
Observation
You need to plan for the following amount in today's value.
1. Marriage expenses of Rs. 5 lakh in today's value in the year 2030
Analysis
Based on your current and projected financial situation you can meet the above mentioned goal
to the extent as mentioned below:
Amount in Rs. (in today's value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Marriage expenses 2030 Rs. 5 lakh Rs. 5 lakh 0
Amount in Rs. (in future value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Marriage expenses 2030 Rs. 14.62 lakh Rs. 14.62 lakh 0
Recommendation
Funding available towards goal
You should consider utilizing the following sources of cash to help you fund your goal as per
our analysis.
1. Annual income surplus
A. Contribution to be made towards investments

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Description Year Estimated amount in Rs.

Annual regular income surplus 2010-2029 Rs. 21,508/year
Projected portfolio amount in 2030 (Estimated portfolio return is 11.50% p.a.) Rs. 14.62 lakh
Note: All the estimated annual income surplus to be invested in recommended portfolio as
applicable at that time.
Goal: Construction of house
Observation
You are planning to construct a house in the year 2010. You need to plan for the following
amount in today's value.
1. Construction of house amounting to Rs. 10 lakh in today's value in the year 2010
Analysis
Based on your current and projected financial situation you can meet the above mentioned goal
to the extent as mentioned below:
Amount in Rs. (in today's value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Construction of house 2010 Rs. 10 lakh Rs. 10 lakh 0
Amount in Rs. (in future value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Construction of house 2010 Rs. 11.02 lakh Rs. 11.02 lakh 0
Recommendation
Funding available towards goal
You should consider utilizing the following sources of cash to help you fund your goal as per
our analysis.
Construcion of house Rs. 11.02 lakh
Less: Home loan Rs. 8.82 lakh
Balance down payment to be accumulated Rs. 2.20 lakh

1. Home loan
Loan Rate Period Year Estimated
Amount of Interest of Loan EMIs
Rs. 8.82 lakh 10.5% per annum 10 years 2010-2019 Rs. 1.47lakh/year
Note: All the estimated EMIs can be funded from your projected annual income.
2. Towards accumulating down payments
Annual income surplus
A. Contribution to be made towards investments
Description Year Estimated amount in Rs.
Annual regular income surplus 2008-2009 Rs. 1.05 lakh/year
Projected portfolio amount in 2010 (Estimated portfolio return is 11.50% p.a.) Rs. 2.20 lakh
Note: All the estimated annual income surplus to be invested in recommended portfolio as
applicable at that time.
Goal: Vacation
Observation
You need to plan for the following amount in today's value.
1. Annual domestic vacation amounting to Rs. 30,000 in today's value between the year 2009
and 2032
2. International vacation expenses amounting to Rs. 1 lakh in the year 2010

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WEALTH MANAGEMENT PLAN

Analysis
Based on your current and projected financial situation you can meet the above mentioned goal
to the extent as mentioned below:
Amount in Rs. (in today's value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Vacation – domestic 2009-2032 Rs. 30,000/year Rs. 30,000/year 0
Vacation - international 2010 Rs. 1 lakh Rs. 1 lakh 0
Amount in Rs. (in future value)
Year Goal Amount Goal Amount Shortfall
(Desired) (Achievable)
Vacation - domestic 2009-2032 Rs. 33,075/year Rs. 33,075/year 0
Vacation - international 2010 Rs. 1.21 lakh Rs. 1.21 lakh 0
Recommendation
Funding available towards goal
You should consider utilizing the following sources of cash to help you fund your goal as per
our analysis.
1. Annual income surplus
A. Contribution to be utilized towards the goal
Description Year Estimated amount in Rs.
Annual regular income surplus 2009-2032 Rs. 33,075/ year
2010 Rs. 1.21 lakh
NEXT STEP
Goals/Needs Next Step
Life Insurance We recommend that you buy a life policy with sum assured of Rs. 90 lakh.
Estimated annual life insurance premium would be Rs. 44,790.
Health We recommend that you buy a health insurance policy with sum assured of Rs. 3
Insurance lakh. Estimated annual health insurance premium would be Rs. 4620.
Repositioning Savings account:
of exiting Current savings account balance is Rs. 5 lakh . Maintain Rs. 1 lakh in your
investment savings account as emergency fund. Move Rs. 21,300 towards liquid funds, Rs.
portfolio 42,600 in fixed interest instruments and Rs. 3.36 lakh towards equity oriented
mutual funds.
Mutual funds:
Current value of your mutual fund holding is Rs. 26,000. Retain Rs. 26,000 in the
mutual fund holding. Because we have allocated this amount towards education
expenses of Amit

Regular Income surplus investments

Annual Surplus Rs. 2.50 lakh

Balance allocated for investments in 2008
Education- Amit Rs. 1.45 lakh
Construction of house Rs. 1.05 lakh
Total regular investments to be made Rs. 2.50 lakh

Asset Class Rs. %

Cash 0 0%
Liquid fund 17,782 7%
Fixed interest instruments 77,744 31%
Equity 1,54,658 62%
Total 2,50,184 100%

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WEALTH MANAGEMENT PLAN

Proposed Investment Allocation

Expected Portfolio Return: 10.49%

DISCLAIMER
This wealth plan is based on information detailed in your personal Client Information and
Investment Profile Questionnaire and personal discussions with you. A copy of your
Questionnaire is available on request. You must read the information contained in the
Questionnaire and in this wealth plan carefully. If you believe that any relevant information may
have been overlooked or misinterpreted, please contact us before proceeding with the
implementation of the plan. We have relied on information supplied to us by you, which, we
have assumed to be correct. No responsibility can be accepted if the information that you have
provided is incorrect or inaccurate. This plan is prepared solely for the use of the client to whom
it is addressed.
This wealth plan is a forward-looking document. The words "forecast", "anticipate", "estimate",
"project", "intend", "expect", "should", "believe", and similar expressions are intended to identify
forward-looking statements. These forward-looking statements involve, and are subject to
known and unknown risks, uncertainties and other factors, which could cause actual results,
performance or achievements to differ from the future results, performance or achievements
expressed or implied by such forward-looking statements. All forward-looking statements
attributable to ABC herein are expressly qualified in their entirety by the above mentioned
cautionary statement. ABC does not accept any direct or indirect liability for any results,
performance or achievements that differ from results, performance or achievements implied by
such forward-looking statements.
We do not promise that the investments you make based on this plan will be profitable. The
investments are subject to various market, currency, economic, political and business risks. We
will not be liable for any losses that may be caused directly or indirectly by circumstances
beyond our reasonable control or on account of our good faith decisions or actions.
This document does not constitute an offer to sell or a solicitation of an offer to buy any security
or other financial product, which may be referred to herein.
This wealth plan is based on your current situation and goals, which will change with the
passage of time and your age. Any material change in your financial situation will necessarily
render the contents of the plan out of date. Material changes refer to change in income/salary
levels, assets acquired, liabilities incurred, change in number of dependants, health condition,
or the passage of time of more than 12 months or the effect of inflation or deflation.
We strongly recommend that a) you review this plan periodically to ensure that your plan's
actual performance is consistent in meeting your goals, and b) you update your plan annually to
ensure that your plan is updated for your changing situation and goals.

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Annexure 1
Sl. Sum Assured Annual Year of
Proposer Insurer Base Policy Term
No (Guaranteed) Premium Commencement
Premium Mode of
Nominee Type Year of Maturity
Paying Term Payment
Ajay
1.1 LIC 15 7,000 2000
Malhotra
100,000
Endowment 15 Yearly 2015
Ajay
1.2 Birla Sunlife Flexi cash 20 6,444 2002
Malhotra 100,000
20 Yearly 2022
Ajay Children
1.3 HDFC 10 21,574 2003
Malhotra Double Benefit 200,000
10 Yearly 2013
1.4 Employer 25 0 2008
300,000
0 2033

Annexure 2

Life Insurance Need Analysis

Self Spouse

A. Survivor's Living Expenses

Household expenses 6,713,855

House rent 0

Education 794,326

B. Other Expenses

Vacation 0

Charity/Gift 0

Others 0

C. Outstanding Debt to be Paid off

Home Loans 1,386,810

Vehicle Loans 0

Personal Loans/Credit Cards 0

D. Protection for Goals

House/Land Purchase 0

Jewellery and Arts 0

Purchase of car 0

Education 2,495,692

Marriage 625,617

Other goals 0

E Total Funds Needed to Cover Expenses, Liabilities and Goals 12,016,299

(A+B+C+D)

F. Assets Currently Available to Support Family

Liquid Assets

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WEALTH MANAGEMENT PLAN

Savings account 500,000

Liquid funds 0

Financial Assets

Fixed interest investments 0

Mutual funds 26,000

Direct equity 0

Employee stock option plan (ESOP) 0

Tangible Assets

Real estate 1,000,000

Other assets (eg. Art, Coin and Stamp Collections)

Retirement Assets

Provident Fund 400,000

Superannuation 150,000

Gratuity

Public Provident Fund 10,000

Total 2,086,000

G. Other Regular Income 0

H. Survivor's Estimated Annual Income from Employment 0

I Total Available Funds to Cover Expenses, Liabilities and 2,086,000

Goals (F+G+H)

J. Life Insurance Coverage Required (E-I) 9,930,299

K. Life Insurance Coverage Already Available 700,000

L. Additional Insurance Required (J-K) 9,230,299

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