Yr

Year 0 1 2 3
Fund Inflow
Lum-sum Investment 1400000
Regular Investment with 3% increment every year 300000 309000 318270

Funds Requirement (Without Inflation Adjustment) 0 0 0 0

Future Value of Funds (with inflation Adjustment) 0 0 0 0

Cash Flow Projection -1400000 -300000 -309000 -318270

Required rate of Return from Investment so that Fund

Requirement is fullfilled with dissoving corpus at age of
70Yr. Of Client 11.834%
 4 5 6 7 8 9 10 11 12 13

327818.1 337652.6 347782.2 358215.7 368962.2 380031 391432 403174.9 415270.2 427728.3

0 0 0 0 0 0 0 1500000 0 0
0 0 0 0 0 0 0 2587093 0 0

-327818 -337653 -347782 -358216 -368962 -380031 -391432 2183918 -415270 -427728
 14 15 16 17 18 19 20 21 22 23

440560.1 453776.9 467390.2 481411.9 495854.3 510729.9 526051.8 541833.4 558088.4 574831

0 2000000 0 0 1500000 0 0 0 2000000 0

0 4205629 0 0 3659758 0 0 0 5949376 0

-440560 3751852 -467390 -481412 3163904 -510730 -526052 -541833 5391287 -574831
 24 25 26 27 28 29 30 31 32 33

592076 609838.2

0 0 1200000 1200000 1200000 1200000 1200000 1200000 1200000 1200000

0 0 4352141 4573229 4805549 5049671 5306195 5575749 5858997 6156634

-592076 -609838 4352141 4573229 4805549 5049671 5306195 5575749 5858997 6156634
 34 35

1200000 1200000
6469391 6798036

6469391 6798036
 E(rp) : 14.17% (0.1417)
rf : 8.12% (0.0812) 0.05225796
A : 3.0 for moderate risk aversion
σp2: (6.6%)2 = 0.4356 0
Y*= 0.5789

Return of Portfol 11.63946

Risk of Portfolio 13.23272

0.265967
Value at Risk
VaR= -µ+ Z* σc
VaR = -11.62+1.65*13.23 10.21 %
Pharma Next 50 Reality Auto Energy Infra FMCG BANKING Commoditismall cap
-6.58% 0.68% 0.26% -0.93% -0.27% 2.17% 0.83% 0.06% -0.17% 1.81%
-4.94% 3.87% 7.96% 5.10% 4.15% 3.94% 5.53% 6.80% 1.53% 2.53%
-2.16% -2.64% -2.14% -8.03% -12.38% 0.09% -4.07% 0.13% -9.24% -1.44%
-4.03% -12.69% -20.39% -12.89% -0.42% -9.79% -9.58% -10.48% -4.31% -19.79%
13.20% 5.26% 1.10% 0.32% 4.04% 4.15% 6.14% 1.07% 5.80% 2.72%
0.07% 4.94% 0.48% 2.47% 13.63% 1.04% 7.05% 5.31% 3.84% 4.01%
11.59% -3.25% -7.93% -2.60% -1.41% -6.31% 0.53% -2.20% -4.84% -8.33%
-9.28% -4.70% -8.47% -5.43% -1.79% -4.78% 0.14% 5.58% -3.75% -6.68%
8.41% 7.49% 9.59% 7.43% 4.21% 5.25% 10.12% 5.23% 4.02% 7.67%
-6.72% -2.92% -10.05% -3.01% -5.56% -3.58% -1.46% -3.36% -6.83% -6.76%
-4.52% -3.59% -5.16% -3.92% -3.20% -4.62% -2.26% -8.30% -3.78% -5.22%
-2.45% -1.50% -0.63% -3.31% 1.44% -0.49% 1.03% 7.20% 0.43% -3.04%
4.13% 4.02% 6.54% 6.35% 0.88% 3.42% 3.99% 0.82% 4.07% 4.37%
-5.30% 0.42% 6.93% -0.68% -2.66% -1.80% 0.52% 1.25% -4.18% 1.90%
6.36% 7.57% 11.33% 5.17% 13.61% 10.36% 4.93% 4.02% 9.28% 12.73%
3.53% -1.77% -2.46% 1.87% -2.87% -2.35% -5.24% -1.09% -1.73% -2.12%
-6.51% 0.47% -0.90% -3.55% 2.50% -2.28% 0.35% -3.13% 4.50% -0.67%
-1.35% 6.35% 7.40% 4.39% 10.59% 6.25% -3.77% 8.15% 7.00% 6.70%

6.44% 0.87% 5.21% -3.04% -2.73% -0.37% 3.52% -0.91% -2.84% 1.78%
-10.83% -1.12% -0.26% 6.00% -2.76% -1.29% 9.15% 4.77% -1.58% -3.50%
-2.79% 4.79% 16.79% 3.79% 5.28% 5.12% 0.57% 4.26% 3.21% 6.57%
-1.64% 2.85% 9.00% 2.34% 2.54% 3.30% 5.39% 4.06% 1.22% 4.12%
3.41% 4.92% 9.83% -1.86% 6.43% 1.98% 2.32% 5.60% 2.83% 6.44%
-0.30% 8.83% 8.59% 7.61% 3.92% 8.38% 5.20% 7.36% 9.54% 9.02%
-7.34% -3.58% -1.49% 0.31% 3.35% -2.85% 1.30% -2.42% -1.47% -1.03%
-4.78% -5.66% -20.49% -9.30% -1.36% -2.47% -4.63% -4.59% -2.47% -10.13%
1.53% 2.66% 4.14% 0.19% 3.28% 2.48% -0.28% 1.23% 4.20% 5.90%
-0.25% -0.42% -1.39% 1.33% 0.96% -4.82% -4.72% -2.54% -0.78% -0.56%
-1.78% 2.44% -0.89% 4.50% 3.78% -1.07% 1.71% 4.40% 3.94% 1.41%
4.98% 9.37% 3.57% 6.85% 6.97% 4.25% 2.87% 5.67% 8.42% 4.69%
1.33% 4.15% 9.34% 1.64% 3.96% 3.35% 5.30% 1.78% 5.41% 11.43%
-2.64% 2.03% 4.78% 5.21% -0.37% 4.37% 3.97% 4.92% 1.84% 0.30%
2.77% 3.02% 11.66% 2.49% -0.24% 3.54% -0.13% 4.05% 3.49% 6.48%
-1.60% 9.57% 20.15% 14.03% 9.91% 12.69% 7.81% 15.74% 13.13% 11.97%
-5.00% -6.96% -15.14% -6.74% -10.00% -6.73% -4.19% -10.15% -6.91% -13.28%
-1.74% -7.90% -11.04% -7.87% -0.78% -12.45% -5.25% -8.27% -4.79% -11.02%
4.09% 1.84% -0.40% -2.68% 4.14% -0.08% -0.42% -2.92% 3.27% 1.93%
-12.74% -0.59% -1.56% 4.82% 1.77% -2.20% 0.80% 0.44% -1.36% 3.43%
1.95% 0.63% -1.73% 4.28% 6.00% 0.30% 0.81% 0.80% 5.51% 2.47%
-2.23% -2.42% 11.03% -2.38% -0.06% -4.31% -0.77% 0.41% -3.27% 1.28%
 6.96% -3.45% -8.61% -6.98% -12.24% -10.46% -3.87% -8.45% -10.58% -9.71%
1.23% 4.98% -2.43% 1.93% -2.04% 1.33% 3.79% 2.37% -1.55% 7.49%
-2.47% -0.25% -9.30% -1.80% 4.77% 1.04% 0.24% -2.27% -0.77% -4.33%
3.76% 3.58% -2.59% 4.26% 1.88% 2.10% 3.06% 2.09% 2.04% 1.88%
-6.13% -1.30% -5.25% -5.03% 0.82% -2.92% -1.86% 0.72% -0.09% -2.87%
8.87% -1.33% -9.71% -3.51% -4.97% -1.74% -5.79% -7.54% -6.11% -1.16%
0.90% 0.81% 1.10% 0.05% -2.52% 0.38% -0.30% -0.77% 0.75% 4.11%
6.79% 4.65% 16.59% 7.84% 3.24% 8.37% 5.17% 5.91% 3.28% 3.63%
-2.71% 0.59% -7.18% -3.03% -8.71% -6.46% 0.49% 1.21% -5.15% 1.63%
3.49% 4.81% 9.02% 3.56% -3.01% -0.86% 3.27% 8.61% -2.63% 0.82%
0.25% 4.19% -1.04% 4.40% 5.22% 8.51% -2.43% 10.74% 3.68% 4.10%
7.59% 1.43% -7.94% 2.81% -3.67% -2.97% 2.94% -2.21% -3.59% -1.23%
7.91% 2.94% -8.99% 11.24% 1.25% -1.58% 2.82% 3.10% -0.63% -1.10%
9.46% -1.22% -8.37% 1.95% -4.59% -6.20% 7.71% 0.17% -3.74% -6.10%
10.67% 6.28% 8.73% 6.11% 3.11% 6.66% -2.23% 3.03% 6.22% 11.95%
-4.78% 14.17% 35.57% 8.84% 16.32% 21.18% 1.47% 15.07% 19.91% 22.38%
6.15% 0.88% -5.21% 1.09% -0.22% -0.21% -2.83% 0.89% -0.90% 6.52%
-7.81% 10.58% 22.72% 6.14% 12.19% 13.22% 7.36% 18.37% 14.27% 12.71%
7.47% 1.56% -0.32% 9.13% -1.23% 2.36% -0.09% 5.15% -1.16% 2.77%
0.87% -7.27% -16.28% -5.21% -5.59% -8.91% -0.96% -10.08% -7.32% -6.31%
3.85% 4.61% 5.94% 0.04% 2.08% 2.05% 0.12% 2.07% 2.45% 6.88%
-1.92% 1.26% 1.25% 2.31% -3.72% 1.43% -3.48% -2.78% 0.09% 3.77%
1.83% 8.93% 15.00% 10.29% 7.78% 12.06% -0.12% 19.29% 7.43% 12.01%
5.45% 6.80% 0.07% 7.74% 1.84% 9.11% 8.32% 6.28% 8.08% 4.82%
-1.79% -5.98% -10.74% -2.87% -4.36% -10.17% -6.85% -9.65% -2.65% -1.48%
5.20% -3.33% -12.85% -1.44% -3.52% -3.38% 4.75% -13.79% -7.16% -8.74%
0.40% -6.22% -10.06% -4.81% 1.86% -3.68% -4.69% -6.88% -3.93% -7.89%
2.73% 2.24% -11.40% 2.95% -1.05% -3.63% 4.12% -0.68% -2.02% -2.14%
10.03% 7.30% 7.72% 9.65% 5.08% 9.94% 9.75% 10.56% 4.23% 2.91%
3.03% -2.05% -12.91% -4.52% -3.54% -3.92% 4.99% -1.09% -4.99% -4.10%
-2.65% -6.62% -12.77% -4.84% -7.71% -10.21% -4.40% -9.61% -9.68% -10.20%
-1.65% -0.56% 4.80% -3.74% 7.00% -0.91% 0.59% 1.88% 0.84% -1.92%
2.82% 4.66% 5.53% 6.03% 2.42% -1.70% -2.42% 2.59% 3.20% 1.97%
3.58% 8.19% 13.84% 5.23% -0.58% 5.78% 7.08% 7.90% 0.73% 6.70%
0.78% -1.31% -4.58% -0.92% -3.54% -1.59% 2.74% -1.64% -2.75% -1.20%
-0.46% 11.63% 23.32% 12.35% 5.92% 13.08% 3.62% 14.68% 8.31% 9.28%
4.34% -1.36% -8.84% 1.55% 0.69% -4.92% 5.80% -3.79% -3.20% -1.55%
3.79% -0.70% -2.09% -3.45% 0.32% -2.75% 1.29% 0.42% -0.86% -4.26%
3.34% 5.61% 7.19% 6.06% 6.64% 10.49% 9.30% 9.53% 8.07% 4.31%
-2.09% -6.48% -8.25% -15.64% -5.73% -7.46% -4.07% -8.13% -7.43% -6.74%
2.36% -2.14% -5.17% 5.38% -0.71% -5.83% 6.25% 0.63% -2.99% 1.74%
4.67% 0.12% -9.38% 1.14% -7.65% -4.52% 8.20% -1.93% -5.35% 0.08%
-1.61% 6.37% 13.98% 8.42% 3.71% 3.85% 2.25% 4.99% 5.90% 6.93%
6.86% 17.75% 25.65% 13.15% 13.23% 19.09% 1.08% 24.48% 16.74% 16.68%
-2.86% -8.33% -12.33% -3.89% -6.91% -12.39% -0.53% -6.95% -6.07% -9.61%
-0.52% -9.53% -19.64% -10.55% -9.06% -9.57% -3.74% -14.27% -10.07% -13.88%
4.75% 2.29% 10.04% 11.11% 6.40% 3.60% 7.26% 5.51% 6.55% 5.27%
-0.07% -1.67% 2.68% 2.32% 0.97% -6.88% -1.02% -0.68% 1.42%
-6.69% -8.44% -15.25% -5.50% -6.48% -8.22% -3.69% -12.49% -11.99%
0.65% -2.89% 2.02% -4.91% -2.83% 0.64% -3.12% 1.16%
-0.12% -1.83% -7.47% -1.92% 4.78% 5.51% 2.03% 0.37%
2.93% 0.59% -0.02% -4.66% -1.57% 2.53% -4.03% -5.07%
3.30% 0.86% -7.66% -2.81% -1.75% 4.32% -1.89% 7.33%
4.73% 7.95% 19.17% 9.22% 9.47% 5.25% 12.17% 6.94%
-7.65% -4.28% -10.50% -1.23% -7.63% 1.57% -1.94% -7.00%
-10.76% -22.69% -12.00% -9.75% -12.13%
-0.87% -1.30% 2.04% -1.35% 1.62%
-5.30% -20.06% -5.83% -3.07% -9.56%
3.53% -2.07% -3.25% -0.29% 3.70%
6.68% 13.01% 9.66% 15.07% 6.75%
2.02% -1.46% -1.19% 5.76% 4.83%
2.30% 7.36% 4.03%
4.46% 1.08% 5.31%
-2.35% -5.13% -6.77%
2.86% 4.34% 4.00%
6.67% 8.45% 6.27%
1.14% 0.82% -2.50%
-3.82% -4.19% 0.20%
4.53% -0.19% 6.80%
8.41% 7.21% 6.41%
-2.12% -4.24% -4.73%
9.58% 18.58% 5.26%
0.81% -1.50% 7.84%
8.71% 2.80% 6.39%
4.29% -1.04% -1.70%
41.51% 44.53% 47.34%
21.80% 24.14% 16.68%
8.94% 6.19% 8.94%
-5.90% -12.66% -5.76%
-7.15% -10.90% -8.75%
18.37% 16.56% 12.22%
-10.31% -5.10% -13.71%
-28.99% -22.09% -37.42%
-15.34% -4.89% -18.99%
2.90% 6.49% 1.89%
11.29% 13.98% 2.35%
-24.18% -23.65% -17.12%
-10.35% -13.69% -5.57%
14.99% 14.64% 11.49%
-17.23% -23.40% -16.93%
 -4.88% -5.83% -0.11%
-18.88% -6.46% -21.68%
9.24% 5.20% 17.62%
7.41% 4.02% 7.01%
8.37% 12.07% 10.91%
13.76% 20.47% 9.00%
-2.45% -3.65% -1.40%
1.73% 2.79% 3.63%
8.43% 6.57% 6.17%
6.58% 12.52% 7.67%
9.44% 5.89% 8.54%
2.32% 1.30% -2.53%
-7.51% -11.99% -6.28%
2.28% -0.91% 6.27%
2.00% -3.06% 0.87%
2.11% 10.91% 3.56%
4.80% 5.92% 4.52%
9.59% 14.83% 6.22%
11.35% 12.65% 11.77%
1.34% 9.97% -1.77%
-9.66% -10.06% -10.57%
-15.00% -9.37% -6.08%
6.92% -2.40% 10.86%
7.47% 1.80% 11.64%
1.42% -0.83% 1.12%
6.16% 1.84% 5.79%
5.71% 5.49% 5.91%
11.19% 7.35% 11.53%
-11.11% -13.38% -10.73%
4.96% 13.77% 1.54%
2.72% -6.85% 14.83%
11.97% 19.86% 11.97%
0.66% 0.51%
8.45% 8.80%
-5.87% 1.56%
-2.58% -0.12%
3.31% 5.29%
-4.61% 0.88%
14.64% 14.20%
11.58% 12.74%
-0.65% 0.87%
9.54% 6.27%
3.79% 12.04%
6.16% 10.90%
1.98% 1.55%
-21.78% -13.07%
7.30% 8.91%
1.85% -1.69%
-1.10% -4.82%
-1.12%
21.58%
5.46%
8.11%
7.99%
13.07%
12.82%
7.18%
24.21%
6.37%
-9.20%
0.74%
-2.56%
5.68%
6.52%
-0.20%
-13.41%
-0.22%
-9.99%
8.04%
-6.88%
2.60%
4.77%
10.90%
3.87%
-2.69%
13.62%
8.28%
-15.11%
-4.86%
-5.15%
-13.01%
6.68%
-4.78%
-25.20%
-11.06%
-0.76%
-2.07%
10.87%
-5.70%
-7.02%
 3.38%
-7.76%
9.14%
-12.19%
-24.54%
-16.90%
2.19%
9.24%
30.30%
18.11%
-6.33%
9.48%
13.32%
13.91%
-0.65%
8.81%
-12.57%
16.68%
4.78%
11.42%
10.11%
-2.84%
-7.72%
3.70%
2.29%
8.07%
-17.16%
1.97%
18.63%
10.41%
9.66%
mid cap IT GOLD ETF Nifty
1.55% -1.94% 4.08% Next 50 Reality Auto Energy
1.04% -2.02% -4.69% (1.98) Next 50 1.00
2.34% -5.67% 4.79% (12.14) Reality 0.93 1.00
-13.52% 0.17% -0.43% (1.21) Auto 0.92 0.89 1.00
6.68% 8.39% 2.03% (2.00) Energy 0.55 0.38 0.57 1.00
3.30% 4.28% -2.03% (0.27) Infra 0.93 0.94 0.82 0.38
-3.24% 2.37% -2.77% (40.57) FMCG 0.95 0.85 0.92 0.67
-8.21% -2.29% 0.07% (0.93) BANKING 0.67 0.70 0.59 0.44
9.77% 11.79% 1.05% 0.42 Commoditi 0.77 0.68 0.76 0.83
-4.19% -2.32% 0.74% (0.30) small cap 0.97 0.95 0.87 0.41
-3.01% -1.37% 1.06% (0.65) mid cap 0.93 0.89 0.81 0.32
-3.36% 11.32% 2.99% (7.64) IT 0.50 0.42 0.48 0.58
6.29% 4.95% -0.45% 1.65 GOLD ETF (0.09) (0.03) (0.32) (0.49)
1.73% 2.56% -0.17% (0.85) Nifty 0.21 0.21 0.20 0.25
9.30% 3.46% -1.16% (6.80)
-0.43% -0.79% 0.20% (0.95)
-1.77% -1.84% 4.29% (43.90)
6.04% 5.92% -0.10% (0.96)

0.72% -3.74% -2.31% (5.81) Next 50 Energy FMCG BANKING

-3.67% 6.09% 0.48% (0.48) Next 50 1.00
6.27% -7.10% 0.92% (1.24) Energy 0.55 1.00
4.69% 0.21% -3.77% (2.46) FMCG 0.95 0.67 1.00
8.30% 8.45% 2.58% (0.30) BANKING 0.67 0.44 0.73 1.00
5.58% -5.30% 3.69% (2.10) Commoditi 0.77 0.83 0.80 0.50
-2.34% 3.09% -3.34% (0.38) small cap 0.97 0.41 0.88 0.68
-8.76% 0.05% -5.36% 0.73 mid cap 0.93 0.32 0.81 0.48
3.80% -2.04% -3.10% (5.56) IT 0.50 0.58 0.59 0.39
1.81% -2.41% 0.68% 1.52 GOLD ETF (0.09) (0.49) (0.25) (0.10)
5.60% -3.36% 0.27% (0.74) Nifty 0.21 0.25 0.16 0.10
5.45% -1.86% 1.03% (0.85)
3.45% -2.42% 6.65% (2.43)
1.75% 1.78% -4.64% (1.79) Avg. Return 14.6
3.67% -1.00% 5.85% (3.31) Portfolio Risk 10.09
17.64% 10.03% -2.53% (1.26)
-12.04% -8.52% 9.64% 0.54 Return / Risk Ratio 1.446
-9.43% 0.21% 6.25% (11.78)
0.27% 0.06% -0.58% (0.90)
2.99% -2.45% -5.55% (5.55)
3.31% -4.53% 1.22% (1.79)
2.06% 3.67% -1.55% (1.29)
 -8.91% 0.10% 5.43% (2.08)
7.20% 5.04% -5.02% 2.08
-4.73% -4.64% -1.63% 1.06
3.22% 5.22% -0.79% (1.32)
-3.16% -8.95% 2.48% (4.76)
-1.89% -4.56% -0.66% (0.85)
-1.31% 7.06% -4.28% (2.20)
3.59% 5.42% 3.58% 1.61
-1.61% -5.73% 1.37% (3.32)
3.80% 4.91% -0.59% (0.51)
5.30% 0.34% -1.21% (0.71)
-0.12% 5.83% -4.13% 10.16
-0.60% 3.64% -0.37% (0.45)
-6.80% 3.96% -0.67% (1.17)
10.85% 10.50% 3.95% (1.39)
20.75% -2.79% -10.02% (4.63)
2.44% -0.75% 2.76% (1.55)
13.68% -10.06% -5.05% (2.45)
1.75% 3.83% 3.48% 1.66
-7.45% 4.62% 1.31% (1.27)
5.73% 7.90% -4.86% 39.50
4.48% -0.36% -0.12% (1.07)
10.62% 8.39% 1.71% (1.49)
6.49% -2.56% -3.52% (1.39)
-3.30% 7.64% 9.02% (0.20)
-3.26% 17.38% 11.26% (2.72)
-6.53% 2.50% -6.54% 16.21
-3.13% 7.02% -0.38% (0.96)
8.08% -16.23% -8.66% (10.31)
-3.90% 1.58% 0.93% (1.30)
-13.48% 4.85% -3.15% 3.57
-1.88% 12.50% -0.69% (0.79)
3.54% -3.80% -3.35% (2.97)
5.25% 2.88% 1.70% (2.30)
-3.47% -3.58% -1.31% (1.64)
12.94% 3.98% 2.04% 0.11
-3.14% 6.62% 1.84% (0.11)
-3.65% -7.31% 2.07% 6.67
7.68% 2.26% 0.27% (0.75)
-10.07% -1.26% 1.10% (0.50)
-4.10% -6.61% 2.20% (3.47)
-1.98% -1.38% -0.89% (1.42)
11.27% 6.67% 2.13% (0.37)
20.32% 0.89% 3.36% (1.62)
-8.52% 4.17% -5.44% (1.81)
-11.26% -6.14% 6.75% 1.50
2.73% 10.56% 2.70% (1.94)
-2.30% 4.18% -2.87% (1.19)
-10.70% -13.95% 15.51% 1.84
-0.39% -4.37% 5.46% (3.36)
-3.59% 1.32% -2.31% (2.65)
-1.42% -2.68% 1.40% (0.79)
1.59% -6.01% 6.81% (19.41)
8.39% 7.23% -0.37% (1.10)
-9.49% -4.37% 3.75% (2.33)
-12.47% -6.94% -2.81% (4.19)
-0.15% 11.75% 0.88% (0.81)
-5.31% 1.37% 4.73% 2.88
2.72% 0.00% 1.22% 0.09
6.66% 10.69% 1.12% (0.83)
0.72% -1.84% 6.54% (2.36)
1.07% 2.67% -4.80% (3.38)
4.22% 2.89% 2.02% (0.74)
-6.47% -3.74% 7.84% 1.21
5.39% 2.22% 3.54% (2.52)
7.05% 1.55% -2.33% (2.05)
-0.93% 3.08% 2.22% (1.96)
-3.90% -3.85% -2.31% (0.56)
4.52% 8.47% -5.27% (1.49)
7.25% 6.25% 10.86% 7.83
-6.21% -1.43% 1.23% (0.67)
8.18% 10.91% 3.77% 1.12
4.11% 6.66% 1.78% 0.56
8.31% 23.80% 1.14% 3.22
1.31% 9.09% 0.27% #DIV/0!
49.19% 15.71% #DIV/0!
17.00% 19.50% #DIV/0!
6.99% 10.73% #DIV/0!
-7.10% -5.91% #DIV/0!
-11.07% 1.77% #DIV/0!
12.99% -10.73% #DIV/0!
-7.04% -8.82% #DIV/0!
-29.99% -13.52% #DIV/0!
-16.60% -20.88% #DIV/0!
1.21% 4.64% #DIV/0!
8.51% -6.16% #DIV/0!
-24.56% -14.69% #DIV/0!
-5.38% 7.59% #DIV/0!
15.58% 17.62% #DIV/0!
-15.31% -7.02% #DIV/0!
 0.84% 3.81% #DIV/0!
-27.15% -20.25% #DIV/0!
13.42% 8.61% #DIV/0!
4.75% -7.56% #DIV/0!
13.05% -0.22% #DIV/0!
-0.19% #DIV/0!
-5.38% #DIV/0!
-2.03% #DIV/0!
-0.50% #DIV/0!
-3.69% #DIV/0!
4.59% #DIV/0!
1.00% #DIV/0!
-7.32% #DIV/0!
1.89% #DIV/0!
3.12% #DIV/0!
7.75% #DIV/0!
7.67% #DIV/0!
2.13% #DIV/0!
8.07% #DIV/0!
3.94% #DIV/0!
2.27% #DIV/0!
-10.88% #DIV/0!
-0.25% #DIV/0!
9.56% #DIV/0!
-0.93% #DIV/0!
2.65% #DIV/0!
10.55% #DIV/0!
10.03% #DIV/0!
-2.56% #DIV/0!
3.76% #DIV/0!
6.40% #DIV/0!
-2.80% #DIV/0!
4.74% #DIV/0!
15.48% #DIV/0!
-13.12% #DIV/0!
0.14% #DIV/0!
2.44% #DIV/0!
-2.98% #DIV/0!
-1.99% #DIV/0!
12.35% #DIV/0!
6.85% #DIV/0!
6.67% #DIV/0!
3.13% #DIV/0!
7.28% #DIV/0!
3.58% #DIV/0!
-1.28% #DIV/0!
6.78% #DIV/0!
-5.95% #DIV/0!
-3.61% #DIV/0!
-9.22% #DIV/0!
14.03% #DIV/0!
11.29% #DIV/0!
7.13% #DIV/0!
15.01% #DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
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#DIV/0!
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#DIV/0!
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#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
 Infra FMCG BANKINGCommoditiessmall cap mid cap IT GOLD ETF Nifty

1.00
0.82 1.00
0.66 0.73 1.00
0.71 0.80 0.50 1.00
0.95 0.88 0.68 0.68 1.00
0.91 0.81 0.48 0.64 0.94 1.00
0.41 0.59 0.39 0.72 0.39 0.44 1.00
0.12 (0.25) (0.10) (0.21) 0.07 0.13 0.02 1.00
0.33 0.16 0.10 0.37 0.26 0.14 0.07 0.15 1.00

Last 3Yr.
3Yr. Std.
Commodities
small cap mid cap IT GOLD ETF Nifty Avg. Dev. Weight Square
12.88 17.7 0.00% 0
19.71 19.01 47.32% 80.92561 -
14.36 15.62 5.99% 0.876325 1.35
15.92 19.26 11.01% 4.498254 9.76
1.00 13.39 17.78 0.00% 0 -
0.68 1.00 7.43 25.04 0.00% 0 -
0.64 0.94 1.00 13.97 22.26 0.00% 0 -
0.72 0.39 0.44 1.00 9.46 17.24 0.00% 0 -
(0.21) 0.07 0.13 0.02 1.00 7.11 3.4 32.35% 1.209419 (5.36)
0.37 0.26 0.14 0.07 0.15 1.00 10.8 14.2 3.33% 0.223326 1.32
1
 Allocation after
Investment Option optimization of Return-Risk
Ratio

Risk Free Govt. Of India 42.11%

Bonds
Nifty Energy Sector 27.39%
Nifty IT Sector 3.47%
Nifty FMCG 18.73%
SBI Gold ETF 1.93%

Year 2018 2019 2020 2021

Saving Fund Inflow 1400000 300000 309000 318270
Allocation to different assets

Risk Free Govt. Of India

Bonds
589540 126330 130119.9 134023.5
Nifty Energy Sector 383460 82170 84635.1 87174.153
Nifty IT Sector 48580 10410 10722.3 11043.969
Nifty FMCG 262220 56190 57875.7 59611.971
SBI Gold ETF 27020 5790 5963.7 6142.611
One Time Reallocation

Monthly Investment
Amount 2019 2020 2021
Risk Free Govt. Of India
Bonds 10527.5 10843.325 11168.625
Nifty Energy Sector 6847.5 7052.925 7264.5128
Nifty IT Sector 867.5 893.525 920.33075
Nifty FMCG 4682.5 4822.975 4967.6643
SBI Gold ETF 482.5 496.975 511.88425
Total Monthly Investment 23407.5 24109.725 24833.017
 Fund allocation

SBI Gold ETF;

Nifty FMCG; 2.06%
20.00%
Risk Free Govt. Of
Nifty IT Sector; India Bonds;
3.71% 44.97%

Nifty Energy
Sector; 29.25%

2022 2023 2024 2025 2026 2027 2028 2029 2030 2031
327818.1 337652.64 347782.22 358215.69 368962.16 380031 391432 403174.91 415270.16 427728.27

138044.2 142185.53 146451.09 150844.63 155370 160031.06 164832 169777 174870.26 180116.37
89789.378 92483.059 95257.551 98115.277 101058.74 104090.5 107213.21 110429.61 113742.5 117154.77
11375.288 11716.547 12068.043 12430.084 12802.987 13187.077 13582.689 13990.17 14409.875 14842.171
61400.33 63242.34 65139.61 67093.799 69106.612 71179.811 73315.205 75514.661 77780.101 80113.504
6326.8893 6516.696 6712.1969 6913.5628 7120.9697 7334.5988 7554.6367 7781.2758 8014.7141 8255.1555

2022 2023 2024 2025 2026 2027 2028 2029 2030 2031

11503.683 11848.794 12204.258 12570.386 12947.497 13335.922 13736 14148.08 14572.522 15009.698
7482.4481 7706.9216 7938.1292 8176.2731 8421.5613 8674.2081 8934.4344 9202.4674 9478.5414 9762.8977
947.94067 976.37889 1005.6703 1035.8404 1066.9156 1098.923 1131.8907 1165.8475 1200.8229 1236.8476
5116.6942 5270.195 5428.3009 5591.1499 5758.8844 5931.6509 6109.6004 6292.8884 6481.6751 6676.1254
527.24078 543.058 559.34974 576.13023 593.41414 611.21656 629.55306 648.43965 667.89284 687.92963
25578.007 26345.347 27135.708 27949.779 28788.273 29651.921 30541.478 31457.723 32401.454 33373.498
 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041
440560.11 453776.92 467390.22 481411.93 495854.29 510729.92 526051.82 541833.37 558088.37 574831

185519.86 191085.46 196818 202722.56 208804.24 215068.37 221520.42 228166 235011 242061.34
120669.42 124289.5 128018.18 131858.73 135814.49 139888.92 144085.59 148408.16 152860.4 157446.22
15287.436 15746.059 16218.441 16704.994 17206.144 17722.328 18254 18801.618 19365.666 19946.636
82516.909 84992.417 87542.189 90168.455 92873.508 95659.714 98529.505 101485.39 104530 107665.85
8502.8102 8757.8945 9020.6313 9291.2503 9569.9878 9857.0874 10152.8 10457.384 10771.106 11094.239

2032 2033 2034 2035 2036 2037 2038 2039 2040 2041

15459.989 15923.788 16401.502 16893.547 17400.353 17922.364 18460.035 19013.836 19584.251 20171.779
10055.785 10357.458 10668.182 10988.227 11317.874 11657.41 12007.133 12367.347 12738.367 13120.518
1273.953 1312.1716 1351.5367 1392.0828 1433.8453 1476.8607 1521.1665 1566.8015 1613.8055 1662.2197
6876.4091 7082.7014 7295.1824 7514.0379 7739.459 7971.6428 8210.7921 8457.1159 8710.8293 8972.1542
708.56752 729.82454 751.71928 774.27086 797.49898 821.42395 846.06667 871.44867 897.59213 924.51989
34374.703 35405.944 36468.122 37562.166 38689.031 39849.702 41045.193 42276.549 43544.845 44851.191
 2042 2043
592076 609838.23

249323.18 256802.88
162169.6 167034.69
20545.036 21161.387
110895.83 114222.7
11427.066 11769.878

2042 2043

20776.932 21400.24
13514.134 13919.558
1712.0863 1763.4489
9241.3188 9518.5584
952.25549 980.82316
46196.726 47582.628