� Return Document - Get Now Excel by s55XyRi

VIEWS: 7 PAGES: 14

									                                   Partner's / Advisor's Details

  Name                             Sepunj Kapadia                  Address:

  Firm:                        NJ India Invest Pvt. Ltd            L-17, Parle Point Place

  Contact no:                 9374726576                  Mobile   Ghod Dod road

                             0261-2222289                 Fixed    Surat-7

  E-mail Address:                sepunj@njfundz.com




In case you have any suggestions, queries you can contact:


    Mr. Jignesh Desai
    Mr. Misbah Baxamusa
    Or your Relationship Manager from NJ IndiaInvest
Financial Planning for :                                                  Manish
Present Age - yrs         :                  28



Client's Address:                                    Mid-Day Multimedia Ltd                     Phone no.                                022-24197178

                                                     Peninsula Center, parel                    Email:                             aakar@mid-day.com

                                                        Mumbai-400012


             Planning for your Children
                                                            AGE - yrs                                    Present Cost - Rs. /-
        Child's Name
                                           Present           Higher Edu.       Marriage        Higher Education               Marriage

   Son                                       -1                   18                25           1,000,000




             Planning for your Personal Goals in life !!

       Nature of Goal                 Present Cost            After yrs        Your Age

   House                              10,000,000                  20                48
                                                                                    0
                                                                                    0

             Planning for your Old Age and Insurance Need
                              Retirement                                                                                  Insurance Need
   Retirement Age                                                 60                                Protection for years                                 0
   Monthly Expenses - Present                                  50,000                               Monthly income need (present value)                  0


             Other Details

   Value of existing investment kept towards                  in Rs. /-                             Estimated Increase in your savings                  0.00%
   Son's Education                                            100,000                               till your retirement age - on an average
   .                                                                                                Estimated Rate of Return - Old                      8.00%
   .                                                                                                on Existing investments
   Son's Marriage                                             0                                     Estimated Rate of Return - New                      8.00%
   .                                                                                                on Futher new Investments
   .                                                                                                                              .
   Goal 1 - House                                             500,000                                                                                            Date:
   .                                                                                                                                                     16-Sep-12
   .
   Retirement                                                 500,000
        Total Value of Existing Investments                   1,100,000




       Covering letter                                     Calculate !!                                           Notes                                            Tools



                                                            Important !!                                                                                     Links to Tools

   Instructions:                                                                                                                                             Present Value of a Single Amt

             Fill information only in the while cells                                                                                                           Present Value of an Annuity

             In case you don't have any goals, input 0 or leave the cell blank                                                                     Present Value of Irregular Cash Flows
             All figures, percentages are to be expreassed in annual terms, unless asked otherwise                                                 Systematic Investment Plan - PV & FV

              Before giving any print command Change the Page settings as follows:                                                                                  Future Value (Growing)

                                 Select Your Printer!!                                                                                                           Future Value (Decreasing)

             Page size:          A4                                                                                                                       Weighted Average Exp Returns

             Scaling:            Fit to '1' wide by '1' page tall
                                 Reduce the Margins so as to increase the visibility of content

             You can also input values with the help of "Tools"
             You can read the Notes page for more information



                                                                                   Disclamer
 These financial plan is prodcued through series of mathematical formulas. Utmost care is taken in creating the formulas. Certain assumptions are made in
 making the Finacial Plan. The The plan so generated only helps the investors in making investment decisions it may not always be true as the assumptions
and the situations are very dynamic in nature. We recommend all our investors to review the plan on very regular basis.. NJ IndiaInvest or any of its NJ Fundz
                    Partners are not responsible for any losses arising by the usage of these plan, or for any investments taken on its basis.




                                  The Calculator is developed by the Research Department of NJ IndiaInvest Pvt. Ltd.
                  All rights are reserved. No unathorised, copying, editing, distributions, rebranding, etc is permissible of this tool.
          Any copyrights infringement will give rise to damages, claims, etc towards NJ IndiaInvest Pvt. Ltd., the sole owner/user of this tool.
                                                  NJ Fundz Network is a part of NJ IndiaInvest Pvt. Ltd.
  Client's Name:    Manish                             Your NJ Fundz Partner:     Sepunj Kapadia
                                                       Firm:                      NJ India Invest Pvt. Ltd
  Address:          Mid-Day Multimedia Ltd             Address:                   L-17, Parle Point Place
                    Peninsula Center, parel                                       Ghod Dod road
                    Mumbai-400012                                                 Surat-7
  Phone no.         022-24197178                       Phone no.                  9374726576, or - 0261-2222289
  E-mail            aakar@mid-day.com                  E-mail                     sepunj@njfundz.com




Dated:              September 16, 2012


Subject: Your personalised Financial Plan

Dear Investor,

This is in reference to our talks in regards to your Financial Planning.

I am sure that you must be now convinced that proper financial planning followed by disciplined way
of investments can alone help you realise your precious goals and dreams in life. In my effort to help
you to do so, I have prepared a detailed Financial Plan for you from the details disclosed by you.

In the said Financial Plan I have considered all your financial goals, as disclosed by you. I have taken
a return on investments of 8.00 % , as indicated.

I have attached the detailed plan herewith for your consideration. Just to give you a brief summary, you
need to save a monthly amount of Rs. 119,311/ -and an annual figure of Rs. 1,382,450/ -.

Dear Manish, I thank you for giving me an opportunity to share my thoughts with you. The Financial
Plan that I propose should help you in achieving your goals and keep you in touch with your goals and
dreams in life. In case you need any help, explanation, please feel free to contact me.

Manish, for the successful implementation of the Financial Plan it has to be reviewed on
a very regular basis. On our NJ Fundz network we offer our investors online access/over phone, the
latest valuation reports of all his mutual fund investments, the current asset allocations and Profit and
Loss Reports which helps us and the investors in reviewing their financial plan on an ongoing basis.
For free sample of such reports please feel free to contact me.

Lastly, I wish you and your family a very secure and prosperous life ahead.

Thankyou,

Yours' sincerely


Sepunj Kapadia
NJ India Invest Pvt. Ltd
NJ Fundz Network Partner                                                                              Page: 1/3
                                          Financial Plan. Details as submitted by Manish
 Present Age - yrs           :           28

           Planning for your Children

                                                             AGE - yrs                                    Present Cost - Rs. /-
             Child's Name
                                               Present           Higher Edu.     Marriage        Higher Education               Marriage
   Son                                         -1                     18          25              1,000,000                 0
   .                                           0                      0           0               0                         0
   .                                           0                      0           0               0                         0

           Planning for your Personal Goals in life !!

            Nature of Goal                 Present Cost           After yrs      Your Age
   Goal 1 - House                             10,000,000                  20          48
   .                                               0                      0           0
   .                                               0                      0           0

           Planning for your Old Age

                                 Retirement
   Retirement Age                                                      60
   Monthly Expenses - Present                                        50,000


           Other Details

   Estimated Increase in your savings                                 0.00%                           Insurance Need
           till your retirement age - on an average                                     Protection for years                       0
   Estimated Rate of Return                                                            Monthly income need                         0
           On Existing old Investments                                8.00%
           On Further new Investments                                 8.00%


       Value of existing investment kept towards                     in Rs. /-

       Son's Education                                           100,000
       .                                                         0
       .                                                         0
       Son's Marriage                                            0
       .                                                         0                                            ** All figures, percentages are
       .                                                         0                                                expressed in annual terms
       Goal 1 - House                                            500,000
       .                                                         0                                                                         Date:
       .                                                         0                                                                 16-Sep-12
       Retirement                                                500,000
                                                                                                                                    Page: 2/3
           Total Value of Existing Investments                   1,100,000


                                               Wish you the best with your investments !
In case you need any help, you can consult Sepunj Kapadia on - 9374726576, or - 0261-2222289 ; email: sepunj@njfundz.com

             Calculate !!                                Notes                    Home
                                                                Financial Plan for Manish
                                              Further required Investments to achieve your goals

Growth in Amount of Savings done over the term                     :    0.00%                                                                                      Date:
Expected retruns over the period on those Savings                  :    8.00%                                                                                  16-Sep-12


                                                          Savings / Investment                                        End Value -
                                                                                                One time
                                                                                                                       Amount                At Your             Saving
               Your Goals !                                                                     Lumpsum
                                                                                                                        Further               Age                Years
                                                         Yearly              Monthly             Amount
                                                                                                                       Required


  Son's Education                                        57,952               5,001               601,068               2,594,029                47                19
  .                                                         0                    0                    0                      0                   0                 0
  .                                                         0                    0                    0                      0                   0                 0
  Son's Marriage                                            0                    0                    0                      0                   0                 0
  .                                                         0                    0                    0                      0                   0                 0
  .                                                         0                    0                    0                      0                   0                 0


  Goal 1 - House                                        601,763               51,935             6,380,852             29,740,876                48                20
  .                                                         0                    0                    0                      0                   0                 0
  .                                                         0                    0                    0                      0                   0                 0


  Retirement                                            722,735               62,375             8,925,637            104,760,944                60                32


Total investments required
                              Monthly Investment                       : Rs. 119,311/ -
                               Yearly Investment                       : Rs. 1,382,450/ -
                            Lumpsum Investment                         : Rs. 15,907,557/ -

                                         Asset Allocation required to achieve 8.00 per cent rate of return

  Recommendation for Manish




            Mutual Fund Debt Schemes                                                                              Mutual Fund Equity Schemes
                                        77.78%                                                                    22.22%




                                                                                     .

                                                                                     .


      In case you need any help, you can consult Sepunj Kapadia on - 9374726576, or - 0261-2222289 ; email: sepunj@njfundz.com
                                                                                                                                                               Page: 3/3
                                                                               Disclamer
  This financial plan is prodcued through series of mathematical formulas. Utmost care is taken in creating the formulas. Certain assumptions have gone into
  making the Finacial Plan. The The plan so generated only helps the investors in making investment decisions. The end results may however differ from the
  expectations as the elements are uncertain and dynamic in nature. We recommend all our investors to review their plans on very regular basis.. NJ IndiaInvest
  or any of its NJ Fundz Partners are not responsible for any losses arising from any recommendations in the plan, or from any investments taken on its basis.




          ** Amount in End Value may be negative, if your present investments are in excesss than what is needed.                                                Home


Broad Asset Classes                               Weight                Exp. Returns
              Equity                              22.22%                15.00%              3.33%
              Debt                                77.78%                6.00%               4.67%
                                                                                            8.00%
Home
                            Tools
                             Links
              Present Value of a Single Amt
               Present Value of an Annuity
           Present Value of Irregular Cash Flows
           Systematic Investment Plan - PV & FV
                    Future Value (Growing)
                Future Value (Decreasing)
              Weighted Average Exp Returns
                            Notes


                 Present Value Single Amt
       Future Value Rs.                  2,000,000
       After years                           15.00
       Dicounting Rate - Ann                 10.00%
       Present value Rs.                 478,784


               Present Value of an Annuity
       Annuity Amount                        10,000
       Frequency in a year                     12
       Annuity runs for years -               3.00
       Annuity Starts after years -           0.00
       Discounting Rate - Ann                6.00%
       Total Amount Accrued              360,000
       Present Value Rs.                 329,490


            Present Value Irregular Cash Flows
       After Year                             Amt.
       1                                     80,000
       2                                 100,000
       3
       4
       5
       6
       7
       8
       9
       10                                250,000
       11
       12
       13
       14
       15                                500,000
       Discounting Rate - Ann             6.00%
       Total Amount received             930,000
       Present Value Rs.                 512,703
Home

             Systematic Investment Plan (SIP)
       Monthly Investment Rs.            10,000
       For years                          5.00
       Returns Expectation - Ann         12.00%
       End Value in Future               811,036
       Discounting Rate - Ann             6.00%
       Present value                     606,053




             Future Value Calculator (growing)
       Present Value Rs.               50,000,000
       After years                        20.00
       Compounding Rate - Ann             7.00%
       Future value Rs.                193,484,223


            Future Value Calculator (decreasing)
       Present Value Rs.                 10,000
       After years                        3.00
       Discounting Rate - Ann             6.00%
       Future value Rs.                   8,396


                           Weighted Average Returns
       Asset Class                    Amt. Invested   Exp Returns
       A                                 100,000        10.00%
       B                                 100,000        15.00%
       C
           D
           E
           F
                         Total Amt Invested                    200,000
                  Weighted Average Exp Returns                 12.50%

Home



                        You can use the above tools to input values in your financial plan.


The Advisor can use the above tool to assess the following:
       #       Find out the Present Cost of an known 'X' amount in future
       #       Find out the Present Value of the 'Cash Flow Stream' which accrues in Future
                  Fixed amount of any frequency occuring for any duration
                  Duration of running cash flows may start at any time in future, or now!
                  Variable amounts expected over the next 15 years
                  Of an existing Systematic Investment Plan with an AMC
       #       Find out the future value of a present
                  Fixed asset or cash which decreases in value as time goes on
                  Fixed asset or cash which appreciates in value with time
                  Running Systemative Investment Plan with an AMC
       #       Find out the weighted average expected returns on your existing investments in different asset class


  With the help of the above, inputs such as:
       #       Cost of Education, Marriage, any other goal - can be ascertained
       #       Further, if you can also calculate the value (cost) of any loan used to purchase any asset jn future.
                  The present value of the downpayment as well as the EMI can be easily calculated through the
                  Present Value Calculator' and 'Present value of an Annuity' tools.
       #       You can also estimate the present value of future receivables and can input these amounts as Value
               of Existing Investments. You can also do an allocation of such receivables into different goals, sub
               to the timings of the receivables.
       #       Your can estimate the end and present values of existing SIP of investors
       #       Expected returns on existing investments - can be made through "Weighted Average Returns" if
               investments are made into different asset classes
     Answers questions like                    Help




                                        Discounting Rate
  What is the today's equivalent
                                        should ideally be
  of Rs. 5 lacs that I will receive
                                       equal to the Inflation
          after 5 years?
                                         Rate of 6.00%




                                         Annuity is simply
  What is the today's worth of a          a series of cash
  series of monthly payments of           flows of a fixed
 Rs.1,000 that I will receive for 3    amount Eg: Insurance
years? The 3 years of payment will      premium to LIC is a
    though start after 2 years.           kind of Annuity




What is the today's worth of certain
  cash receivables in future when
both the amount receivable and the
        time is not certain?
What is the today's worth of certain
  cash receivables in future when
both the amount receivable and the
        time is not certain?




    What will be the present and
   the future worth of my existing
      SIP of Rs. 10,000 to be
  continued for next 5 yrs, returns
          expected at 12%?




                                                     Compounding Rate
                                                    can be taken as the
     How much will Rs. 10,000
                                                     Rate of Return that
today will grow to after 5 years,     if
                                                    you expect the asset
      grows by 6% annually?
                                                      to earn during the
                                                            period




                                                   Measures the decrease
   What will be the worth of Rs.                    in value of an asset -
     10,000/- after 3 years?                         due to depreciation,
                                                        inflation, etc.




                                           How much returns should I
                                           expect over all the different
                                           investments that I hold, on
                                              an averaged basis?
                                                    How much returns should I
                                                    expect over all the different
                                                    investments that I hold, on
                                                       an averaged basis?




 values in your financial plan.




ream' which accrues in Future
any duration
ny time in future, or now!




e as time goes on
ue with time


 on your existing investments in different asset classes



an be ascertained
) of any loan used to purchase any asset jn future.
ell as the EMI can be easily calculated through the
 of an Annuity' tools.
e receivables and can input these amounts as Value
llocation of such receivables into different goals, subject


f existing SIP of investors
an be made through "Weighted Average Returns" if
                                                                  Notes

The actual results may vary with the estimated results of this calculator. However, one can be reasonably sure
of achieving all of one's goals if he has been conservative in his expectations and follows the recommendations,
as suggested by his advisor, religiously without any break in his investments. Further a regular monitoring of the
portfolio, investments and the goals will prevent one from straying away from the desired results.

In case of growing savings, the monthly investment amount is calculated by
dividing the annual needed amount by 12. This is done since one cannot
change the amount of investment every month.

Expected life expectancy is taken as 90 years, to be on a conservative side
A person on retirement will have a retirement kitty which he will invest in some asset with lower risk.
He will then survive through the earnings on the same and through capital withdrawals from the principal amount.
On reaching the age of 90 years he would have exhausted all this capital and would be left without any support.

Growth in savings will be annual. For e.g. if you need to save 10,000 annualy
now (monthly = 10,000/12), next year your savings should be 12,000 for a
savings growth of 20% (monthly = 1,000/-)

Unless otherwise stated, all rates are in annual terms

The expected savings growth rate normally is around 2-3% during the life of
an average person till he continues to run. It must be understood that if your
earnings increase by 10% that wouldn't result in a savings growth of 10%

In case of any doubt you can use the following logic

Earnings growth (-) inflation (-) any expected increase in living standard = savings growth
10% - 6% - 2% = 2%

In case your reqd. returns shows a negative sign - you are probably investing more than
needed and/or you already have enough money parked for that particular goal
If the retirement age is left 0, it is assumed to be 60 years of age
                                                                                                                                       Home
Enter "0" values were you do not have any goals



                         The Calculator is developed by the Research Department of NJ IndiaInvest Pvt. Ltd.
         All rights are reserved. No unathorised, copying, editing, distributions, rebranding, etc is permissible of this tool.
   Any copyrights infringement will give rise to damages, claims, etc towards NJ IndiaInvest Pvt. Ltd., the sole owner of this tool.
                                         NJ Fundz Network is a part of NJ IndiaInvest Pvt Ltd

								
To top