Step 2

Expences
personal
Food
Healthcare
Utilities
total expense
total years till 60

expences at 60

22,000.00
7,500.00
500.00
20,000.00
50,000.00
23.00
1%
171,307.58

Step 3
Monthly required amount after Retirement
number of months
return on debt funds
inflation
rate of return
Monthly rate of return
Required retirement Corpus

Step 4

Maximum Investment in PF
Start Date
End Date
Existing Maount in PF Account
Rate of Interest
Number of Years

6/25/2004

Value of PF without contribution after 20 year

Value of PF without contribution after last 3 y

336.00
7.00%
5.50%
1.42%
0.12%
47,516,659.07

150,000.00
1/4/2020
500,000.00
8.7%
20.00
10,717,923.35
13,765,731.01

Existing value of Equity

Rate of return
monthly ROR
SIP amount
Number of months
Maturity value of equity and SIP

500,000.00
11%
0.873%
10,000.00
276.00
17,092,198.13

Required corpus after retirement

16,658,729.93

If investment in equity
If investment in debt
If investment in balanced

-1,510,822.26

Step 1
11%

7%

37
5.50%

60
5.50%

85

Sikha
Vivek
Ramesh
Education E

Current Age
12
7
37
0

13
8
38
0

14
9
39
0

15
10
40
0

16
11
41
0

inflation rate
return on balanced mutual fund
monthlyreturn on balanced mutual fund
real rate return
PV of education expences
value of education expences after 6 years
SIP amount create corpus for education

17
12
42
0

5.50%
9%
0.72%
3.30%
2719059.25579
$4,560,134.58
($65,916.53)

18
13
43
5

19
14
44
3

20
15
45
3

21
16
46
4

22
17
47
4

23
18
48
5

24
19
49
3

25
20
50
3

26
21
51
4

27
22
52
4

Current Age
Sikha
Vivek
Ramesh
Education

12
7
37
0
1

13
8
38
0
2

inflation rate

14
9
39
0
3

15
10
40
0
4

5.50%

16
11
41
0
5

17
12
42
0
6
return on
balanced
mutual fund
equity rate

18
13
43
0
7

9%
11%

0.72%

monthly rate o
return
balanced

0.72%

FV of the marriage expences(Shika)

$2,005,773.90

monthly rate o
return equity

0.87%

FV of the marriage expences(Vivek)

2,621,466.27

monthlyreturn on balanced mutual fund

PV of marriage expences after 10 years

value of education expences after 6 years
SIP amount create corpus for education
PV of Future
Shikha
($1,548,825.47)
Vivek
($1,315,625.52)
Total corpu ($2,864,450.99)
100
($7,843.05)

0
$0.00
($17,723.98)

After unitary method compared to tota

(13,972.41)

19
20
21
14
15
16
44
45
46
0
0
0
8
9
10
Calculated in the ratios given for 100

equity

22
17
47
0
11

23
18
48
0
12

24
19
49
0
13

balanced
80

20

0.00873459

0.72%

($6,329.24)

($1,505.43)

($7,834.67)

60
($4,700.80)
$12,668.06

40
($3,133.87)
$7,832.70

$20,500.76

ethod compared to total corpus calculated - value of the combined SIP in balanced and equity

25
20
50
0
14

26
21
51
0
15

27
22
52
0
16

23
53
0
17

24
54
0
18

25
55
19

Number of EMI for HL1 on march 2016

Cumulative int for 2015
Cumulative principal for 2015

85
-60720.16
-22416.3

96

number of EMI for HL2 on april 2015 and march 2016

25
Cumulative int for 2015
-193785
Cumulative principal for 2015
-33279.34

36

FV of Vacat
At 47
At 37
SIP

($3,416,288.92)
$150,698,812.93
$71,138,868.02
$42,795,860.06
($337,806.91)

Vacation expense now

inflation rate
Balanced MF rate
Equity rate

2000000
5.50%
0.033175
0.052133

Existing insurance cover

PMT
ROR of Balanced mutual fund
inflation rate
adjusted ROR
time
monthly ror
present value of corpus required to cover 90%
outstanding liabilities H1
outstanding liabilities H2
total outstanding liabilities
higher education

Additional amount required

9000000
45000
9%
5.50%
3.32%
612
0.27%
$13,432,018.97
550000
1750000
2300000
2719059.25578963
$18,451,078.22
$9,451,078.22

ROR
Increase in salary
ROR
time
pmt
present value
Existing insurance

8.20%
9%
-0.73%
276
86,250
$25,932,563.01
9000000
$16,932,563.01

-0.06137%
62962.5
$18,930,770.99
$9,930,770.99

corpus required for next gene10,000,000

for 29 years
BMF
EMF
DMF
for 51 years
ROR
9%
11%
7%
ROR
Monthly ROR
0.72%
0.87%
0.57%
Monthly ROR
time
348
time
pmt required
$6,404.97
$4,412.50
$9,195.48
pmt required

BMF
9%
0.72%
612
$893.91

EMF

DMF
11%
0.87%

7%
0.57%

$424.74 $1,842.25

Cost of Acquisition
indexation
COA
CII (year Sale)
CII(year of Purchase)
COA-indexed

245,000
1024
100
2508800

indexation
COI
CII (year Sale)
CII(year of Purchase)
COI-indexed

500,000
1024
172
2976744