FINANCIAL GOAL PLANNER

YOUR PRIORITIES: - RANK YOUR PRIORITIES FROM 1ST TO 3rd

PROTECTION AGAINST

PREMATURE DEATH

HAPPY RETIREMENT

LIFE

BETTER FUTURE FOR CHILD

TODAY

MAGIC BILL

4th C Continuation of Income

How much RESERVE FUND do I required ?

4 C formula

1st C Creation of Income

2nd C 3rd C Consumption of Income Conservation of Income

Human Life Value- FINANCIAL INVERTER

MONTHLY EXPENSES 10000 * 200 25000 * 200 50000 * 200 100000 * 200

SECURITY DEPOSIT 20,00,000 50,00,000 1,00,00,000 2,00,00,000

RETURN @ 6% p.a. 1,20,000 3,00,000 6,00,000 12,00,000

MONTHLY RETURN 10,000 25,000 50,000 1,00,000

1st option FIXED DEPOSIT 100 % of SECURITY DEPOSIT

2nd option GOLD 100 % of SECURITY DEPOSIT

3rd option ADD ON PROPERTY 100 % of SECURITY DEPOSIT

4th LIC 0.1 % of SECURITY DEPOSIT

Happy Retirement LIFE

Inflation on Day to Day NecessitiesYear 1980 2012 Inflation

-----------

2022 2032

Rice Rs.4 Rs.48 7.68% Rs.99 Rs.203

Wheat Rs.2.25 Rs.28 7.89% Rs.60 Rs.128

Wada Pav Rs.0.25 Rs.10 12.22% Rs.32 Rs.100

Masala Dosa Rs.3 Rs.30 7.46% Rs.61 Rs.126

Toothpaste Rs.4 Rs.45 7.75% Rs.92 Rs.194

Chart – historic CPI inflation India (yearly basis) – full term

Do Waqt ki ROTIWhat will be Total food cost after Retirement for

Couple?

Today,

Actual expenses for Do Waqt ki Roti is Rs. 240/Couple (excluding Delivery Charge)

Term Food Cost/day for couple

After 10 Years Rs.480

After 20 Years Rs.960

After 30 years Rs.1920

After Retirement, a couple survive for next 20 years then actual cost for DO WAQT KI ROTI, is as follows:

Year

If Retire after 10 Years If Retire after 20 Years If Retire after 30 Years

Cost/day Cost/YearCost/day Cost/Year Cost/day Cost/Year

1 480 175200 960 350400 1920 700800

2 513 187245 1027 374855 2054 749856

3 549 200385 1099 401135 2198 802345

4 588 214620 1176 429240 2352 858510

5 629 229585 1258 459170 2517 918605

6 673 245645 1346 491290 2693 982908

7 720 262800 1440 525600 2881 1051712

8 770 281050 1541 562465 3083 1125332

9 824 300760 1649 601885 3299 1204105

10 882 321930 1765 644225 3530 1288392

11 944 344560 1888 689120 3777 1378580

12 1010 368650 2020 737300 4041 1475080

13 1081 394565 2162 789130 4324 1578336

14 1156 421940 2313 844245 4627 1688819

15 1237 451505 2475 903375 4951 1807037

16 1324 483260 2648 966520 5297 1833529

17 1417 517205 2834 1034410 5668 2068876

18 1516 553340 3032 1106680 6065 2213698

19 1622 592030 3244 1184060 6489 2368657

20 1735 633275 3471 1266915 6944 2534462

Total 71,79,550 Total 1,43,62,020 Total 2,86,29,639

But, According to latest survey at the age 60 out of 100 Indian Peoples

1%are Wealthy

4% Maintain their Standard of Living

32% Still Working

63 % Depend on Children& Charity

Only 5 % people are Financially independent after the age of 60 years

In which category do you want to belong?

What is the Secret of these 5% people who are financially independent at the age 60?

In financial matter, people are either organised or unorganised

Organised people save a definite amount first and spend the balance.

Unorganised people go on spending and save something, if left.

Today’s basic necessities of life

1. Food.2. Clothing.3. Shelter.4. Medicine.5. Travelling.6. Tele-communication.7. Entertainment.

How much will be a monthly family budget after 10, 20 or 30 years to satisfy these basic necessities?

Year Family 1 Family 2 Family 3 Family 4

Today Rs.1,00,000

Rs.50,000 Rs.25,000 Rs.10,000

10 Rs.2,00,000

Rs.1,00,000

Rs.50,000 Rs.20,000

20 Rs.4,00,000

Rs.2,00,000

Rs.1,00,000

Rs.40,000

30 Rs.8,00,000

Rs.4,00,000

Rs.2,00,000

Rs.80,000

Reverse Preview

Year Family 1 Family 2 Family 3 Family 4

Today Rs.1,00,000 Rs.50,000 Rs.25,000 Rs.10,000

-10 Rs.50,000 Rs.25,000 Rs.12,000 Rs.5,000

-20 Rs.25,000 Rs.12,000 Rs.6,000 Rs.2,000

-30 Rs.12,000 Rs.6,000 Rs.3,000 Rs.1,000

HAPPY RETIREMENT PLANNING

How much corpus will be required for Retirement Planning?

Family 1 Family 2 Family 3 Family 4

AFTER 10 YEARS 2,00,000 * 200 1,00,000 * 200 50000 * 200 20,000 * 200

Retirement corpus 4 crore 2 crore 1 crore 40 lakhs

Annual pension @ 6 % 24 lakhs 12 lakhs 6 lakhs 2.40 lakhs

Monthly pension 2 lakhs 1 lakhs 50,000 20,000

AFTER 20 YEARS 4,00,000* 200 2,00,000 * 200 1,00,000* 200 40,000* 200

Retirement corpus 8 crore 4 crore 2 crore 80 lakhs

Annual pension @ 6 % 48 lakhs 24 lakhs 12 lakhs 4.80 lakhs

Monthly pension 4,00,000 2,00,000 1,00,000 40,000

AFTER 30 YEARS 8,00,000* 200 4,00,000* 200 2,00,000* 200 80,000* 200

Retirement corpus 16 crore 8 crore 4 crore 1.6 crore

Annual pension @ 6 % 96 lakhs 48 lakhs 24 lakhs 9.60 lakhs

Monthly pension 8,00,000 4,00,000 2,00,000 80,000

Best wishes for your

“happy retirement”

Better Future for ChildA child is a source of joy for every parent. You decide to make your child’s Best career but will your decision be based on wish or money?

Cost of education is rising much FASTER than inflation.

Inflation in Education Expenses

Fee Per Year1980 2012 Inflation 2022 2027

School FeeRs. 240 Rs. 48,000 18.29% Rs. 2,50,000 Rs. 5,73,000

junior CollegeRs. 300 Rs. 28,000 15.48% Rs. 1,25,000 Rs. 2,60,000

Govt Engg College Rs. 360 Rs. 1,50,000 20.75% Rs. 9,90,000 Rs. 25,40,000

Govt Medical CollegeRs. 1200 Rs. 1,80,000 16.91% Rs. 8,50,000 Rs. 18,40,000

MBARs. 1200 Rs. 12,00,000 24.20% Rs. 1.07 crore Rs. 2.95 crore

Inflation in GOLD

1980 2012 Inflation 2022 2032

Gold Rs.1330 Rs.31,400 10.24% Rs.83,134 Rs.2,20,580

As a parent you want to be the pillar of strength and support for your child.

Have you saved enough to make your child’s ultimate dream come true?

Make sure that child’s future plans remain undisturbed even when you are around or not.

Help us to understand your requirements and serve you better.

If you don’t SAVE money If you SAVE money

B

I

R

T

H

N

U

R

S

U

R

Y

P

R

I

M

A

R

y

S

E

C

O

N

D

A

R

y

H

O

B

B

Y

C

O

L

L

E

G

E

J

O

B

S

E

A

R

C

H

J

O

B

E

A

R

N

I

N

G