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    Portfolio Planning

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    vsvishalsalvi2
    The document outlines an individual's monthly and yearly income breakdown according to a 50:30:20 rule. It allocates 30% of the yearly income according to different investment options, showing the allocation amount, expected returns, and total returns over 10 years. It also shows a similar breakdown for the monthly allocation. Key expenses like insurance premiums are listed. The document calculates compound and simple interest returns over 10 years for the investment allocation.

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    Portfolio Planning

    Uploaded by

    vsvishalsalvi2
    10 views3 pages
    The document outlines an individual's monthly and yearly income breakdown according to a 50:30:20 rule. It allocates 30% of the yearly income according to different investment options, showing the allocation amount, expected returns, and total returns over 10 years. It also shows a similar breakdown for the monthly allocation. Key expenses like insurance premiums are listed. The document calculates compound and simple interest returns over 10 years for the investment allocation.

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    The document outlines an individual's monthly and yearly income breakdown according to a 50:30:20 rule. It allocates 30% of the yearly income according to different investment options, showing the allocation amount, expected returns, and total returns over 10 years. It also shows a similar breakdown for the monthly allocation. Key expenses like insurance premiums are listed. The document calculates compound and simple interest returns over 10 years for the investment allocation.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    10 views3 pages

    Portfolio Planning

    Uploaded by

    vsvishalsalvi2
    The document outlines an individual's monthly and yearly income breakdown according to a 50:30:20 rule. It allocates 30% of the yearly income according to different investment options, showing the allocation amount, expected returns, and total returns over 10 years. It also shows a similar breakdown for the monthly allocation. Key expenses like insurance premiums are listed. The document calculates compound and simple interest returns over 10 years for the investment allocation.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    of 3

    Monthly Income ₹ 81,600.

    00 Total Income
    Salary
    50:30:20 Rule (Monthly)
    50% 30% 20%
    ₹ 40,800.00 ₹ 24,480.00 ₹ 16,320.00

    Yearly Income ₹ 979,200.00

    50:30:20 Rule (Yearly)


    50% 30% 20%
    ₹ 489,600.00 ₹ 293,760.00 ₹ 195,840.00

    Breakup of 30% (Yearly)


    Financial Instrument Allocation in % Allocation in Rs. Returns in % Returns in Rs.
    Gold/Soveriegn Gold Bonds 20% ₹ 58,752.00 10.00% ₹ 5,875.20
    FD 15% ₹ 44,064.00 5.50% ₹ 2,423.52
    RD 5% ₹ 14,688.00 4.00% ₹ 587.52
    MF - DEBT 10% ₹ 29,376.00 7.00% ₹ 2,056.32
    MF - EQUITY 10% ₹ 29,376.00 12.00% ₹ 3,525.12
    Shares (Equity) 20% ₹ 58,752.00 25.00% ₹ 14,688.00
    Shares (Intraday) 5% ₹ 14,688.00 25.00% ₹ 3,672.00
    Shares (IPO) 5% ₹ 14,688.00 25.00% ₹ 3,672.00
    Derivatives-Futures 5% ₹ 14,688.00 25.00% ₹ 3,672.00
    Derivatives-Options 5% ₹ 14,688.00 25.00% ₹ 3,672.00
    Total 100% ₹ 293,760.00 163.50% ₹ 43,843.68
    Average Returns in % 16.35% ₹ 48,029.76
    Total Returns in Rs. ₹ 341,789.76

    Breakup of 30% (Monthly)


    Financial Instrument Allocation in % Allocation in Rs. Returns in % Returns in Rs.
    Gold/Soveriegn Gold Bonds 20% ₹ 4,896.00 10.00% ₹ 489.60
    FD 15% ₹ 3,672.00 5.50% ₹ 201.96
    RD 5% ₹ 1,224.00 4.00% ₹ 48.96
    MF - DEBT 10% ₹ 2,448.00 7.00% ₹ 171.36
    MF - EQUITY 10% ₹ 2,448.00 12.00% ₹ 293.76
    Shares (Equity) 20% ₹ 4,896.00 25.00% ₹ 1,224.00
    Shares (Intraday) 5% ₹ 1,224.00 25.00% ₹ 306.00
    Shares (IPO) 5% ₹ 1,224.00 25.00% ₹ 306.00
    Derivatives-Futures 5% ₹ 1,224.00 25.00% ₹ 306.00
    Derivatives-Options 5% ₹ 1,224.00 25.00% ₹ 306.00
    Total 100% ₹ 24,480.00 163.50% ₹ 3,653.64
    Average Returns in % 16.35% ₹ 4,002.48
    Total Returns in Rs. ₹ 28,482.48
    979200 Total Expense 82400
    979200 Mediclaim 6000
    LIC-1 25000
    LIC-2 25000
    Term Insurance 10800
    Critical Illness Protection 15600

    Years (N) 10
    Principal (P) ₹ 293,760.00
    Rate of Interest (R) 16.35%
    Total (Allocation + Returns) Compound Interest [CI=P*(1+R)^N] ₹ 1,335,538.88
    ₹ 64,627.20 Simple Interest [SI=P*N*R] ₹ 480,297.60
    ₹ 46,487.52
    ₹ 15,275.52
    ₹ 31,432.32
    ₹ 32,901.12 2 10%
    ₹ 73,440.00 2 20%
    ₹ 18,360.00 2 10%
    ₹ 18,360.00 2 10%
    ₹ 18,360.00 2 10%
    ₹ 18,360.00 10 12
    ₹ 337,603.68
    1.2

    11.2

    Total (Allocation + Returns)


    ₹ 5,385.60
    ₹ 3,873.96
    ₹ 1,272.96
    ₹ 2,619.36
    ₹ 2,741.76
    ₹ 6,120.00
    ₹ 1,530.00
    ₹ 1,530.00
    ₹ 1,530.00
    ₹ 1,530.00
    ₹ 28,133.64
    Asset Liabilities
    LIC-1
    LIC-2

    0.2 2.2
    0.4 2.4
    0.2 2.2
    0.2 2.2
    0.2 2.2
    1.2 11.2

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