Description
Consolidated working sheet for the presentation on Wealth Management Financial Planning.
Wealth Management
2/2/2013
Color codes used: Comments
GROUP MEMBERS
VINEET AGRAWAL PRATIK BORA S MALLIKARJUN REDDY UTKARSH PARHAD YASHVEER YADAV MAINDRA BHARADWAJ
ROLL NO
1 4 18 14 25 3
INVESTOR RISK TOLERANCE SCORE Equity Debt Gold Real Estate
Asmita 16 60 10 20 10
Monil 16 60 10 10 20
Akshay 21 70 10 10 10
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio NA 2 months NA 6 months 3 months 7 months
Debt
1 Liquid Asset Coverage Ratio NA 2 Solvency Ratio 3 Current Ratio NA NA 6.86% NA 153.50% 8.38% 18.86% 0.08
Risk Exposure
1 Life Insurance Coverage Ratio 2 years 7 years 2 years
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 100.00% 100.00% 100.00% NA 79.63% 20.37% -131.09% -897.48% -918.49%
INFERENCES
1. The investors anlysed in the above project fall with in the age group of 25-35 2. The minimum amount of risk tolerance score observed is 16 and the average is around 19 indicating that investors can inve 3. Conservative Investors achieving their goals can remain conservative however they can increase their returns by taking mo 4. Conservative Investors who are not able to achieve their goals can increase their risk by following moderate or aggressive s 5. Similarly depending upon the objectives and the ability of the investor's risk taking abilities the assets are invested in stock 6. The asset allocation on an average for investors in the age of 25-35 bracket would be
Real Estate 11%
AVERAGE ASSET ALLOCATION
Gold 13%
13% Equity 61%
Debt 15%
Chintan 18 65 15 10 10
Amit 18 75 10 5 10
Krishna 21 60 5 20 15
Mahesh 21 60 10 20 10
Deepak 25 75 5 5 15
Jaywardan 16 40 35 15 10
Priyank 20 65 15 10 10
.5 months 1 months
1 months 2 months
2 months 6 months
2 months NA 28 months NA
1 month 1 month
3.57% 4.29% 0.04
2.27% 6.44% 0.02
47.62% 166.67% 0.48
31.25% NA 561.85% NA 0.31 NA
100.00% NA 166.67% NA 1.00 NA
1 years
6 years
3 years
9 years NA
1 years
15 years
119.32% 151.14% 153.41%
71.64% -85.16% -94.30%
-1.56% 6.25% -17.19%
0.00% NA 114.89% NA 6.77% NA
0.00% 44.44% 66.67%
12.75% 0.00% 87.25%
dicating that investors can invest considerable amount in equity. ease their returns by taking moderate risk. owing moderate or aggressive strategies helping them to achieve their goals he assets are invested in stocks, debt, gold and real estate.
Sattar 18 45 35 15 5
Shivani 18 60 15 15 10
Nishil 17 60 15 15 10
AVERAGE 19 61 15 13 11
SUMMARY MIN MAX 16 40 5 5 5 25 75 35 20 20
NA NA
4 months 9 months
9 months 12 months
3 months 8 months
months 1 months
9 months 28 months
NA NA NA
400.00% NA 880.00% NA 4.00 NA
84.73% 218.35% 0.85
2.27% 4.29% 0.02
400.00% 880.00% 4.00
NA
NA
6 years
5 years
1 years
15 years
NA NA NA
8.14% 27.91% 23.26%
0.00% 60.00% 40.00%
23.53% -41.60% -55.26%
-131.09% -897.48% -918.49%
119.32% 151.14% 153.41%
Name
Asmita Labhane
Gender Female 16 570,000 765,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score NA 2 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA 6.86% NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 2 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 100.00% 100.00% 100.00%
Comments about goals: Has one goal to get married She requires Rs 4 lakhs for same in 2 years So total amount to be saved per year is Rs. 1,86,047, Rs. 1,89,573, Rs. 1,92,308 in aggressive, moderate & conservative scena So she will be able to achieve his goal i.e manageable Comments about Insurance Has insurance cover for Rs 2,000,000 but has a shortage of Rs 5,007,270 Asset Allocation: Equity 60
Debt 10
Gold 20
Real Estate 10
ASSET ALLOCATION
Real Estate 10% Gold
Gold 20% Equity 60% Debt 10%
Comments Moderately risk taking
Data insuffeciency problem
Data insuffeciency problem
Going against the Risk tolerance score, should have been taken some cover
Data insufficiency problem as 1. No tangible & personal assets data provided
derate & conservative scenario resp against his actual saving of Rs. 6,84,000 pa
60 10 20 10
Name
Monil Gheewala
Gender Male 16 617,000 1,000,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score NA 6 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA 153.50% NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 7 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 79.63% 20.37% NA
Comments about goals: Has two goals of retirement & Son's education. He requires Rs 1 Cr for retirement in 26 years & Rs 3 lakhs for son's education in 9 years So total amount to be saved per year is Rs. 58,570, Rs. 99,306, Rs. 1,49,095in aggressive, moderate & conservative scenario r So he will be able to achieve his goal very comfortably Comments about Insurance Has insurance cover for Rs 5,750,000 but has an excess of Rs 420,528 Asset Allocation: Equity 60
Debt 10
Gold 10
Real Estate 20
ASSET ALLOCATION
Real Estate 20%
Gold 10% Equity 60% Debt 10%
Comments Moderately risk taking
Data insuffeciency problem
Data insuffeciency problem
Very much aligned to risk tolerance score
Data insufficiency problem as 1. No tangible & personal assets data provided
e & conservative scenario resp against his actual saving of Rs. 3,83,000 pa
60 10 10 20
Name
Akshay Ranjan
Gender Male 21 405,000 1,000,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 3 months 7 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 8.38% 18.86% 0.08 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 2 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset -131.09% -897.48% -918.49%
Comments about goals: Has two goals of getting married & buying a house. He requires Rs 5 lakhs for marriage in 1 years & Rs 10 lakhs for house in 4 years So total amount to be saved per year is Rs. 7,00,265, Rs. 7,12,326, Rs. 7,21,921in aggressive, moderate & conservative scenar So he will not be able to achieve his goal Comments about Insurance Has insurance cover for Rs 2,000,000 but has a shortage of Rs 5,861,035 Asset Allocation: Equity 70
Real Estate 10% Gold 10%
Debt 10
Gold 10
Real Estate 10
ASSET ALLOCATION
Debt 10% Equity 70%
Comments Least Risk Averse
Ready cash - In event of exigency probability of cash suffiecency is appropriate Reedemable cash - Appropriate cash available but still some scope to invest some cash.
Low debt taking capacity in short term Low credit expansion capacity
Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Some what aligned to risk tolerance score but should take some cover
Data insufficiency problem as 1. No tangible & personal assets data provided
erate & conservative scenario resp against his actual saving of Rs. 5,95,000 pa
70 10 10 10
Name
Chintan Bhatia
Gender Male 18 1,330,000 1,740,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score months 1 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 3.57% 4.29% 0.04 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 1 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 119.32% 151.14% 153.41%
Comments about goals: Has three goals of buying a house, buying car and planning a baby. He requires Rs 50 lakhs for buying a house in 2 years, Rs 5 lakhs for car in 2 years & Rs 2 lakhs for baby in 3 years So total amount to be saved per year is Rs. 2,615,735, Rs. 2,666,478, Rs. 2,705,837 in aggressive, moderate & conservative sc So he will not be able to achieve his goal Comments about Insurance Has insurance cover for Rs 2,000,000 but has a shortage of Rs 11,659,345 Asset Allocation: Equity 65
Debt 15
Gold 10
Real Estate 10
ASSET ALLOCATION
Gold 10% Real Estate 10%
Debt 15%
Equity 65%
Comments Moderate to high risk taking
Ready cash - In event of exigency probability of cash suffiecency is bit low Reedemable cash - Not much surplus cash so opportunity cost is low.
Low debt taking capacity in short term Low credit expansion capacity
Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Going against the Risk tolerance score, should have been taken some cover
Low opportunity cost as the asset allocation is proper
baby in 3 years moderate & conservative scenario resp against his actual saving of Rs. 4,10,000 pa
65 15 10 10
Name
AMIT MEHROTRA
Gender Male 18 570,000 815,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 1 months 2 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 2.27% 6.44% 0.02 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 6 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 71.64% -85.16% -94.30%
Comments about goals: Has three goals of buying car,children education and holiday. He requires Rs 10 lakhs for buying a car in 4 years, Rs 10 lakhs for child"s education in 14 years & Rs 4 lakhs for holiday in 10 So total amount to be saved per year is Rs. 244,655, Rs. 269,475, Rs. 290,829 in aggressive, moderate & conservative scenario So he will be able to achieve his goal only if he is ready to take risk, else he will not be able to achieve his goal. Comments about Insurance Has insurance cover for Rs 3,650,000 but has a shortage of Rs 2,296,831 Asset Allocation: Equity 75
Debt 10
Gold 5
Real Estate 10
Real Estate 10%
ASSET ALLOCATION
Debt 10%
Gold 5%
Debt 10%
Equity 75%
Comments Moderate to high risk taking
Ready cash - In event of exigency probability of cash suffiecency is bit low Reedemable cash - Not much surplus cash so opportunity cost is low.
Low debt taking capacity in short term Low credit expansion capacity
Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Very much aligned to risk tolerance score
Not aligned to risk tolerance as most of the investment is in personal property
Rs 4 lakhs for holiday in 10 years rate & conservative scenario resp against his actual saving of Rs. 245,000 pa eve his goal.
75 10 5 10
Name Krishna Dutt Sharma Risk Tolerance Score Yearly expenditure Income
Gender Male 21 367,400 500,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 2 months 6 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 47.62% 166.67% 0.48 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 3 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset -1.56% 6.25% -17.19%
Comments about goals: Has two goals of chil"s education & child"s marriage. He requires Rs 25 lakhs for child's education in 15 years & Rs 35 lakhs for child"s marriage in 20 years So total amount to be saved per year is Rs. 86,708, Rs. 1,27,178, Rs. 1,68,557 in aggressive, moderate & conservative scenario So he will be able to achieve his goal only if he is ready to take atleast MODERATE risk, else he will not be able to achieve his Comments about Insurance Has insurance cover for Rs 1,400,000 but has a shortage of Rs 2,002,967 Asset Allocation: Equity 60
Debt 5
Gold 20
Real Estate 15
ASSET ALLOCATION
Real Estate 15%
Gold
Gold 20% Equity 60%
Debt 5%
Comments Least Risk Averse
Ready cash - In event of exigency probability of cash shortfall is moderate Reedemable cash - In event of exigency, very high amount of cash cushion available
Good capacity to take short term credit Very high amount of cash deployed in other financial assets so long term credit coverage is high Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Some what aligned to risk tolerance score but should take some cover
Data insufficiency problem as 1. No tangible & personal assets data provided
moderate & conservative scenario resp against his actual saving of Rs. 1,32,600 pa e will not be able to achieve his goal.
60 5 20 15
Name Mahesh Menon Risk Tolerance Score Yearly expenditure Income
Gender Male 21 372,000 850,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 2 months 28 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 31.25% 561.85% 0.31 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 9 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 0.00% 114.89% 6.77%
Comments about goals: Has only on goal of his daughter's marriage which is in 25 years hence and the amount expected for same is 50 lacks. So total amount to be saved per year is Rs. 23,497, Rs. 43,701, Rs. 68,394 in aggressive, moderate & conservative scenario re So he will be able to achieve his goal comfortably Comments about Insurance He has shortage of insurance cover of Rs 96,000 only which is consisitent with his less risk averse attitude Asset Allocation: Equity 60
Debt 10
Gold 20
Real Estate 10
Asset allocation
10% 20% Equity
Equity 10% 60% Debt Gold Real Estate
Comments Least Risk Averse
Ready cash - In event of exigency probability of cash shortfall is high Reedemable cash - In event of exigency, very high amount of cash cushion available
Good capacity to take short term credit Very high amount of cash deployed in other financial assets so long term credit coverage is high Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Going against the Risk tolerance score, should have been below lower end
Data insufficiency problem as 1. No tangible & personal assets data provided
ted for same is 50 lacks. erate & conservative scenario resp against his actual saving of Rs. 4,77,604 pa
erse attitude
60 10 20 10
Name Deepak Gupta Risk Tolerance Score Yearly expenditure Income
Gender Male 25 169,000 2,100,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score NA NA
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA NA NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio NA 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset NA NA NA
Comments about goals: Has two goals of purchasing home & getting married. He requires Rs 15 lakhs for home in 3 years & Rs 10 lakhs for marriage in 4 years So total amount to be saved per year is Rs. 6,32,231, Rs. 6,61,146, Rs. 6,83,971 in aggressive, moderate & conservative scena So he will be able to achieve his goal very comfortably Comments about Insurance No data on insurance has been provided but under Human Life Value approach total cover should be of Rs. 2,71,00,000 Asset Allocation: Equity 75
Debt 5
Gold 5
Real Estate 15
Asset Allocation:
5% 5% 15% Equity
5%
Equity Debt 75% Gold Real Estate
Comments Least Risk Averse
Data Insufficiency problem
, moderate & conservative scenario resp against his actual saving of Rs. 19,31,000 pa
hould be of Rs. 2,71,00,000
75 5 5 15
Name Jaywardhan Deochake Risk Tolerance Score Yearly expenditure Income
Gender Male 16 609,000 890,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 1 month 1 month
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 100.00% 166.67% 1.00 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 1 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 0.00% 44.44% 66.67%
Comments about goals: Has two goals of purchasing car & getting married. He requires Rs 8 lakhs for marriage in 4 years & Rs 4 lakhs for car in 6 years So total amount to be saved per year is Rs. 2,05,907, Rs. 2,20,412, Rs. 2,32,063 in aggressive, moderate & conservative scena So he will be able to achieve his goal in very air tight situation Comments about Insurance Has insurance cover for Rs 5,00,000 but has a shortage of Rs 83,83,418 Asset Allocation: Equity 40
Debt 35
Gold 15
Real Estate 10
Asset Allocation:
10% 15% 40% Equity
15%
40% Equity Debt Gold 35% Real Estate
Comments Moderately risk taking
Ready cash - In event of exigency probability of cash shortfall is high Reedemable cash - In event of exigency, very high amount of cash shortfall scenario exist
Has easy access to high credit for short term Very high amount of cash deployed in other financial assets so long term credit coverage is high No mortgage debt
Going against the Risk tolerance score, should have been taken some cover
Data insufficiency problem as 1. No tangible & personal assets data provided
derate & conservative scenario resp against his actual saving of Rs. 2,81,000 pa
40 35 15 10
Name Priyank Turakhia Risk Tolerance Score Yearly expenditure Income
Gender Male 20 842,400 1,000,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 185 months 185 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA NA NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 15 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 12.75% 0.00% 87.25%
Comments about goals: Has one goal to start an event management company He requires Rs 11 lakhs for same in 11 years So total amount to be saved per year is Rs. 82,138, Rs. 1,02,242, Rs. 1,20,153 in aggressive, moderate & conservative scenario So he will be able to achieve his goal i.e manageable situation Comments about Insurance No data on insurance has been provided but under Human Life Value approach total cover should be of Rs. 1,03,00,000 Asset Allocation: Equity 65
Debt 15
Gold 10
Real Estate 10
Asset allocation
10% 10%
10% Equity 15% 65% Debt Gold Real Estate
Comments Less risk averse
Ready cash - High surplus cash so opportunity cost is high Reedemable cash - High surplus cash so opportunity cost is high (No info for financial assets)
Data insufficiency problem as 1. No tangible & personal assets data provided
Going against the Risk tolerance score, should have been taken less cover
Very high opportunity cost as much of assets are held in low interest bearing instruments
rate & conservative scenario resp against his actual saving of Rs. 1,57,600 pa
be of Rs. 1,03,00,000
65 15 10 10
Name Sattar Solanki Risk Tolerance Score Yearly expenditure Income
Gender Male 18 324,000 600,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score NA NA
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA NA NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio NA 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset NA NA NA
Comments about goals: Has two goals of purchasing car & getting married. He requires Rs 4 lakhs for marriage in 2 years & Rs 3 lakhs for car in 3 years So total amount to be saved per year is Rs. 2,72,440, Rs. 2,79,337, Rs. 2,84,718 in aggressive, moderate & conservative scena So he will be able to achieve his goal in very air tight situation Comments about Insurance No data on insurance has been provided but under Human Life Value approach total cover should be of Rs. 65,00,000 Asset Allocation: Equity 45
Debt 35
Gold 15
Real Estate 5
Asset allocation
15% 5% 45%
15% 45% Equity Debt 35% Gold Real Estate
Comments Moderate to high risk taking
Data Insufficiency problem
derate & conservative scenario resp against his actual saving of Rs. 2,76,000 pa
be of Rs. 65,00,000
45 35 15 5
Name Shivani Salunke Risk Tolerance Score Yearly expenditure Income
Gender Female 18 578,000 2,000,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 4 months 9 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 400.00% 880.00% 4.00 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio NA 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 8.14% 27.91% 23.26%
Comments about goals: Has one goal to have his restaurant She requires Rs 20 lakhs for same in 5 years So total amount to be saved per year is Rs. 2,96,631, Rs. 3,21,141, Rs. 3,40,913 in aggressive, moderate & conservative scena So she will be able to achieve his goal i.e very comfortably Comments about Insurance No data on insurance has been provided but under Human Life Value approach total cover should be of Rs. 1,97,00,000 Asset Allocation: Equity 60
Debt 15
Gold 15
Real Estate 10
Asset Allocation:
10% 15% Equity
15% Equity 15% 60% Debt Gold Real Estate
Comments Moderate to high risk taking
Ready cash - In event of exigency probability of cash suffiecency is apt Reedemable cash - High surplus cash so opportunity cost is moderate
Has easy access to high credit for short term Very high amount of cash deployed in other financial assets so long term credit coverage is high No mortgage debt
Data insuffeciency
Fair allocation of assets
derate & conservative scenario resp against his actual saving of Rs. 14,22,000 pa
be of Rs. 1,97,00,000
60 15 15 10
Name Nishil Bharill Risk Tolerance Score Yearly expenditure Income
Gender Female 17 276,000 960,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 9 months 12 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA NA NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 6 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 0.00% 60.00% 40.00%
Comments about goals: Has one goal to buy a new home She requires Rs 10 lakhs for same in 2 years So total amount to be saved per year is Rs. 4,65,116, Rs. 4,73,934, Rs. 4,80,769 in aggressive, moderate & conservative scena So she will be able to achieve his goal i.e manageable Comments about Insurance Has insurance cover for Rs 5,00,000 but has a shortage of Rs 63,00,000 Asset Allocation: Equity 60
Debt 15
Gold 15
Real Estate 10
Asset Allocation:
10% 15% Equity
15% Equity 15% 60% Debt Gold Real Estate
Comments Moderate to high risk taking
Ready cash - In event of exigency probability of cash suffiecency is bit high Reedemable cash - High surplus cash so opportunity cost is moderate
Data insuffeciency problem
Very much aligned to risk tolerance score
Data insufficiency problem as 1. No tangible & personal assets data provided
derate & conservative scenario resp against his actual saving of Rs. 6,84,000 pa
60 15 15 10
doc_440529369.xlsx
Consolidated working sheet for the presentation on Wealth Management Financial Planning.
Wealth Management
2/2/2013
Color codes used: Comments
GROUP MEMBERS
VINEET AGRAWAL PRATIK BORA S MALLIKARJUN REDDY UTKARSH PARHAD YASHVEER YADAV MAINDRA BHARADWAJ
ROLL NO
1 4 18 14 25 3
INVESTOR RISK TOLERANCE SCORE Equity Debt Gold Real Estate
Asmita 16 60 10 20 10
Monil 16 60 10 10 20
Akshay 21 70 10 10 10
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio NA 2 months NA 6 months 3 months 7 months
Debt
1 Liquid Asset Coverage Ratio NA 2 Solvency Ratio 3 Current Ratio NA NA 6.86% NA 153.50% 8.38% 18.86% 0.08
Risk Exposure
1 Life Insurance Coverage Ratio 2 years 7 years 2 years
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 100.00% 100.00% 100.00% NA 79.63% 20.37% -131.09% -897.48% -918.49%
INFERENCES
1. The investors anlysed in the above project fall with in the age group of 25-35 2. The minimum amount of risk tolerance score observed is 16 and the average is around 19 indicating that investors can inve 3. Conservative Investors achieving their goals can remain conservative however they can increase their returns by taking mo 4. Conservative Investors who are not able to achieve their goals can increase their risk by following moderate or aggressive s 5. Similarly depending upon the objectives and the ability of the investor's risk taking abilities the assets are invested in stock 6. The asset allocation on an average for investors in the age of 25-35 bracket would be
Real Estate 11%
AVERAGE ASSET ALLOCATION
Gold 13%
13% Equity 61%
Debt 15%
Chintan 18 65 15 10 10
Amit 18 75 10 5 10
Krishna 21 60 5 20 15
Mahesh 21 60 10 20 10
Deepak 25 75 5 5 15
Jaywardan 16 40 35 15 10
Priyank 20 65 15 10 10
.5 months 1 months
1 months 2 months
2 months 6 months
2 months NA 28 months NA
1 month 1 month
3.57% 4.29% 0.04
2.27% 6.44% 0.02
47.62% 166.67% 0.48
31.25% NA 561.85% NA 0.31 NA
100.00% NA 166.67% NA 1.00 NA
1 years
6 years
3 years
9 years NA
1 years
15 years
119.32% 151.14% 153.41%
71.64% -85.16% -94.30%
-1.56% 6.25% -17.19%
0.00% NA 114.89% NA 6.77% NA
0.00% 44.44% 66.67%
12.75% 0.00% 87.25%
dicating that investors can invest considerable amount in equity. ease their returns by taking moderate risk. owing moderate or aggressive strategies helping them to achieve their goals he assets are invested in stocks, debt, gold and real estate.
Sattar 18 45 35 15 5
Shivani 18 60 15 15 10
Nishil 17 60 15 15 10
AVERAGE 19 61 15 13 11
SUMMARY MIN MAX 16 40 5 5 5 25 75 35 20 20
NA NA
4 months 9 months
9 months 12 months
3 months 8 months
months 1 months
9 months 28 months
NA NA NA
400.00% NA 880.00% NA 4.00 NA
84.73% 218.35% 0.85
2.27% 4.29% 0.02
400.00% 880.00% 4.00
NA
NA
6 years
5 years
1 years
15 years
NA NA NA
8.14% 27.91% 23.26%
0.00% 60.00% 40.00%
23.53% -41.60% -55.26%
-131.09% -897.48% -918.49%
119.32% 151.14% 153.41%
Name
Asmita Labhane
Gender Female 16 570,000 765,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score NA 2 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA 6.86% NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 2 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 100.00% 100.00% 100.00%
Comments about goals: Has one goal to get married She requires Rs 4 lakhs for same in 2 years So total amount to be saved per year is Rs. 1,86,047, Rs. 1,89,573, Rs. 1,92,308 in aggressive, moderate & conservative scena So she will be able to achieve his goal i.e manageable Comments about Insurance Has insurance cover for Rs 2,000,000 but has a shortage of Rs 5,007,270 Asset Allocation: Equity 60
Debt 10
Gold 20
Real Estate 10
ASSET ALLOCATION
Real Estate 10% Gold
Gold 20% Equity 60% Debt 10%
Comments Moderately risk taking
Data insuffeciency problem
Data insuffeciency problem
Going against the Risk tolerance score, should have been taken some cover
Data insufficiency problem as 1. No tangible & personal assets data provided
derate & conservative scenario resp against his actual saving of Rs. 6,84,000 pa
60 10 20 10
Name
Monil Gheewala
Gender Male 16 617,000 1,000,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score NA 6 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA 153.50% NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 7 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 79.63% 20.37% NA
Comments about goals: Has two goals of retirement & Son's education. He requires Rs 1 Cr for retirement in 26 years & Rs 3 lakhs for son's education in 9 years So total amount to be saved per year is Rs. 58,570, Rs. 99,306, Rs. 1,49,095in aggressive, moderate & conservative scenario r So he will be able to achieve his goal very comfortably Comments about Insurance Has insurance cover for Rs 5,750,000 but has an excess of Rs 420,528 Asset Allocation: Equity 60
Debt 10
Gold 10
Real Estate 20
ASSET ALLOCATION
Real Estate 20%
Gold 10% Equity 60% Debt 10%
Comments Moderately risk taking
Data insuffeciency problem
Data insuffeciency problem
Very much aligned to risk tolerance score
Data insufficiency problem as 1. No tangible & personal assets data provided
e & conservative scenario resp against his actual saving of Rs. 3,83,000 pa
60 10 10 20
Name
Akshay Ranjan
Gender Male 21 405,000 1,000,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 3 months 7 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 8.38% 18.86% 0.08 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 2 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset -131.09% -897.48% -918.49%
Comments about goals: Has two goals of getting married & buying a house. He requires Rs 5 lakhs for marriage in 1 years & Rs 10 lakhs for house in 4 years So total amount to be saved per year is Rs. 7,00,265, Rs. 7,12,326, Rs. 7,21,921in aggressive, moderate & conservative scenar So he will not be able to achieve his goal Comments about Insurance Has insurance cover for Rs 2,000,000 but has a shortage of Rs 5,861,035 Asset Allocation: Equity 70
Real Estate 10% Gold 10%
Debt 10
Gold 10
Real Estate 10
ASSET ALLOCATION
Debt 10% Equity 70%
Comments Least Risk Averse
Ready cash - In event of exigency probability of cash suffiecency is appropriate Reedemable cash - Appropriate cash available but still some scope to invest some cash.
Low debt taking capacity in short term Low credit expansion capacity
Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Some what aligned to risk tolerance score but should take some cover
Data insufficiency problem as 1. No tangible & personal assets data provided
erate & conservative scenario resp against his actual saving of Rs. 5,95,000 pa
70 10 10 10
Name
Chintan Bhatia
Gender Male 18 1,330,000 1,740,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score months 1 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 3.57% 4.29% 0.04 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 1 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 119.32% 151.14% 153.41%
Comments about goals: Has three goals of buying a house, buying car and planning a baby. He requires Rs 50 lakhs for buying a house in 2 years, Rs 5 lakhs for car in 2 years & Rs 2 lakhs for baby in 3 years So total amount to be saved per year is Rs. 2,615,735, Rs. 2,666,478, Rs. 2,705,837 in aggressive, moderate & conservative sc So he will not be able to achieve his goal Comments about Insurance Has insurance cover for Rs 2,000,000 but has a shortage of Rs 11,659,345 Asset Allocation: Equity 65
Debt 15
Gold 10
Real Estate 10
ASSET ALLOCATION
Gold 10% Real Estate 10%
Debt 15%
Equity 65%
Comments Moderate to high risk taking
Ready cash - In event of exigency probability of cash suffiecency is bit low Reedemable cash - Not much surplus cash so opportunity cost is low.
Low debt taking capacity in short term Low credit expansion capacity
Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Going against the Risk tolerance score, should have been taken some cover
Low opportunity cost as the asset allocation is proper
baby in 3 years moderate & conservative scenario resp against his actual saving of Rs. 4,10,000 pa
65 15 10 10
Name
AMIT MEHROTRA
Gender Male 18 570,000 815,000
Risk Tolerance Score Yearly expenditure Income
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 1 months 2 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 2.27% 6.44% 0.02 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 6 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 71.64% -85.16% -94.30%
Comments about goals: Has three goals of buying car,children education and holiday. He requires Rs 10 lakhs for buying a car in 4 years, Rs 10 lakhs for child"s education in 14 years & Rs 4 lakhs for holiday in 10 So total amount to be saved per year is Rs. 244,655, Rs. 269,475, Rs. 290,829 in aggressive, moderate & conservative scenario So he will be able to achieve his goal only if he is ready to take risk, else he will not be able to achieve his goal. Comments about Insurance Has insurance cover for Rs 3,650,000 but has a shortage of Rs 2,296,831 Asset Allocation: Equity 75
Debt 10
Gold 5
Real Estate 10
Real Estate 10%
ASSET ALLOCATION
Debt 10%
Gold 5%
Debt 10%
Equity 75%
Comments Moderate to high risk taking
Ready cash - In event of exigency probability of cash suffiecency is bit low Reedemable cash - Not much surplus cash so opportunity cost is low.
Low debt taking capacity in short term Low credit expansion capacity
Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Very much aligned to risk tolerance score
Not aligned to risk tolerance as most of the investment is in personal property
Rs 4 lakhs for holiday in 10 years rate & conservative scenario resp against his actual saving of Rs. 245,000 pa eve his goal.
75 10 5 10
Name Krishna Dutt Sharma Risk Tolerance Score Yearly expenditure Income
Gender Male 21 367,400 500,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 2 months 6 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 47.62% 166.67% 0.48 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 3 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset -1.56% 6.25% -17.19%
Comments about goals: Has two goals of chil"s education & child"s marriage. He requires Rs 25 lakhs for child's education in 15 years & Rs 35 lakhs for child"s marriage in 20 years So total amount to be saved per year is Rs. 86,708, Rs. 1,27,178, Rs. 1,68,557 in aggressive, moderate & conservative scenario So he will be able to achieve his goal only if he is ready to take atleast MODERATE risk, else he will not be able to achieve his Comments about Insurance Has insurance cover for Rs 1,400,000 but has a shortage of Rs 2,002,967 Asset Allocation: Equity 60
Debt 5
Gold 20
Real Estate 15
ASSET ALLOCATION
Real Estate 15%
Gold
Gold 20% Equity 60%
Debt 5%
Comments Least Risk Averse
Ready cash - In event of exigency probability of cash shortfall is moderate Reedemable cash - In event of exigency, very high amount of cash cushion available
Good capacity to take short term credit Very high amount of cash deployed in other financial assets so long term credit coverage is high Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Some what aligned to risk tolerance score but should take some cover
Data insufficiency problem as 1. No tangible & personal assets data provided
moderate & conservative scenario resp against his actual saving of Rs. 1,32,600 pa e will not be able to achieve his goal.
60 5 20 15
Name Mahesh Menon Risk Tolerance Score Yearly expenditure Income
Gender Male 21 372,000 850,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 2 months 28 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 31.25% 561.85% 0.31 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 9 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 0.00% 114.89% 6.77%
Comments about goals: Has only on goal of his daughter's marriage which is in 25 years hence and the amount expected for same is 50 lacks. So total amount to be saved per year is Rs. 23,497, Rs. 43,701, Rs. 68,394 in aggressive, moderate & conservative scenario re So he will be able to achieve his goal comfortably Comments about Insurance He has shortage of insurance cover of Rs 96,000 only which is consisitent with his less risk averse attitude Asset Allocation: Equity 60
Debt 10
Gold 20
Real Estate 10
Asset allocation
10% 20% Equity
Equity 10% 60% Debt Gold Real Estate
Comments Least Risk Averse
Ready cash - In event of exigency probability of cash shortfall is high Reedemable cash - In event of exigency, very high amount of cash cushion available
Good capacity to take short term credit Very high amount of cash deployed in other financial assets so long term credit coverage is high Low amount of ready cash to pay its non-mortgage debt i.e credit card bill, ITR etc
Going against the Risk tolerance score, should have been below lower end
Data insufficiency problem as 1. No tangible & personal assets data provided
ted for same is 50 lacks. erate & conservative scenario resp against his actual saving of Rs. 4,77,604 pa
erse attitude
60 10 20 10
Name Deepak Gupta Risk Tolerance Score Yearly expenditure Income
Gender Male 25 169,000 2,100,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score NA NA
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA NA NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio NA 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset NA NA NA
Comments about goals: Has two goals of purchasing home & getting married. He requires Rs 15 lakhs for home in 3 years & Rs 10 lakhs for marriage in 4 years So total amount to be saved per year is Rs. 6,32,231, Rs. 6,61,146, Rs. 6,83,971 in aggressive, moderate & conservative scena So he will be able to achieve his goal very comfortably Comments about Insurance No data on insurance has been provided but under Human Life Value approach total cover should be of Rs. 2,71,00,000 Asset Allocation: Equity 75
Debt 5
Gold 5
Real Estate 15
Asset Allocation:
5% 5% 15% Equity
5%
Equity Debt 75% Gold Real Estate
Comments Least Risk Averse
Data Insufficiency problem
, moderate & conservative scenario resp against his actual saving of Rs. 19,31,000 pa
hould be of Rs. 2,71,00,000
75 5 5 15
Name Jaywardhan Deochake Risk Tolerance Score Yearly expenditure Income
Gender Male 16 609,000 890,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 1 month 1 month
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 100.00% 166.67% 1.00 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 1 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 0.00% 44.44% 66.67%
Comments about goals: Has two goals of purchasing car & getting married. He requires Rs 8 lakhs for marriage in 4 years & Rs 4 lakhs for car in 6 years So total amount to be saved per year is Rs. 2,05,907, Rs. 2,20,412, Rs. 2,32,063 in aggressive, moderate & conservative scena So he will be able to achieve his goal in very air tight situation Comments about Insurance Has insurance cover for Rs 5,00,000 but has a shortage of Rs 83,83,418 Asset Allocation: Equity 40
Debt 35
Gold 15
Real Estate 10
Asset Allocation:
10% 15% 40% Equity
15%
40% Equity Debt Gold 35% Real Estate
Comments Moderately risk taking
Ready cash - In event of exigency probability of cash shortfall is high Reedemable cash - In event of exigency, very high amount of cash shortfall scenario exist
Has easy access to high credit for short term Very high amount of cash deployed in other financial assets so long term credit coverage is high No mortgage debt
Going against the Risk tolerance score, should have been taken some cover
Data insufficiency problem as 1. No tangible & personal assets data provided
derate & conservative scenario resp against his actual saving of Rs. 2,81,000 pa
40 35 15 10
Name Priyank Turakhia Risk Tolerance Score Yearly expenditure Income
Gender Male 20 842,400 1,000,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 185 months 185 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA NA NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 15 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 12.75% 0.00% 87.25%
Comments about goals: Has one goal to start an event management company He requires Rs 11 lakhs for same in 11 years So total amount to be saved per year is Rs. 82,138, Rs. 1,02,242, Rs. 1,20,153 in aggressive, moderate & conservative scenario So he will be able to achieve his goal i.e manageable situation Comments about Insurance No data on insurance has been provided but under Human Life Value approach total cover should be of Rs. 1,03,00,000 Asset Allocation: Equity 65
Debt 15
Gold 10
Real Estate 10
Asset allocation
10% 10%
10% Equity 15% 65% Debt Gold Real Estate
Comments Less risk averse
Ready cash - High surplus cash so opportunity cost is high Reedemable cash - High surplus cash so opportunity cost is high (No info for financial assets)
Data insufficiency problem as 1. No tangible & personal assets data provided
Going against the Risk tolerance score, should have been taken less cover
Very high opportunity cost as much of assets are held in low interest bearing instruments
rate & conservative scenario resp against his actual saving of Rs. 1,57,600 pa
be of Rs. 1,03,00,000
65 15 10 10
Name Sattar Solanki Risk Tolerance Score Yearly expenditure Income
Gender Male 18 324,000 600,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score NA NA
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA NA NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio NA 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset NA NA NA
Comments about goals: Has two goals of purchasing car & getting married. He requires Rs 4 lakhs for marriage in 2 years & Rs 3 lakhs for car in 3 years So total amount to be saved per year is Rs. 2,72,440, Rs. 2,79,337, Rs. 2,84,718 in aggressive, moderate & conservative scena So he will be able to achieve his goal in very air tight situation Comments about Insurance No data on insurance has been provided but under Human Life Value approach total cover should be of Rs. 65,00,000 Asset Allocation: Equity 45
Debt 35
Gold 15
Real Estate 5
Asset allocation
15% 5% 45%
15% 45% Equity Debt 35% Gold Real Estate
Comments Moderate to high risk taking
Data Insufficiency problem
derate & conservative scenario resp against his actual saving of Rs. 2,76,000 pa
be of Rs. 65,00,000
45 35 15 5
Name Shivani Salunke Risk Tolerance Score Yearly expenditure Income
Gender Female 18 578,000 2,000,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 4 months 9 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio 400.00% 880.00% 4.00 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio NA 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 8.14% 27.91% 23.26%
Comments about goals: Has one goal to have his restaurant She requires Rs 20 lakhs for same in 5 years So total amount to be saved per year is Rs. 2,96,631, Rs. 3,21,141, Rs. 3,40,913 in aggressive, moderate & conservative scena So she will be able to achieve his goal i.e very comfortably Comments about Insurance No data on insurance has been provided but under Human Life Value approach total cover should be of Rs. 1,97,00,000 Asset Allocation: Equity 60
Debt 15
Gold 15
Real Estate 10
Asset Allocation:
10% 15% Equity
15% Equity 15% 60% Debt Gold Real Estate
Comments Moderate to high risk taking
Ready cash - In event of exigency probability of cash suffiecency is apt Reedemable cash - High surplus cash so opportunity cost is moderate
Has easy access to high credit for short term Very high amount of cash deployed in other financial assets so long term credit coverage is high No mortgage debt
Data insuffeciency
Fair allocation of assets
derate & conservative scenario resp against his actual saving of Rs. 14,22,000 pa
be of Rs. 1,97,00,000
60 15 15 10
Name Nishil Bharill Risk Tolerance Score Yearly expenditure Income
Gender Female 17 276,000 960,000
Ratio Liquidity
1 Basic Liquidity Ratio 2 Expanded Liquidity Ratio
Your Score 9 months 12 months
Target
3 to 4 6
Debt
1 Liquid Asset Coverage Ratio 2 Solvency Ratio 3 Current Ratio NA NA NA 20% 30 to 40 % 1 or more
Risk Exposure
1 Life Insurance Coverage Ratio 6 years 7 to 10
Net Worth Entities
1 personal property portion 2 investment assets 3 Liquid Asset 0.00% 60.00% 40.00%
Comments about goals: Has one goal to buy a new home She requires Rs 10 lakhs for same in 2 years So total amount to be saved per year is Rs. 4,65,116, Rs. 4,73,934, Rs. 4,80,769 in aggressive, moderate & conservative scena So she will be able to achieve his goal i.e manageable Comments about Insurance Has insurance cover for Rs 5,00,000 but has a shortage of Rs 63,00,000 Asset Allocation: Equity 60
Debt 15
Gold 15
Real Estate 10
Asset Allocation:
10% 15% Equity
15% Equity 15% 60% Debt Gold Real Estate
Comments Moderate to high risk taking
Ready cash - In event of exigency probability of cash suffiecency is bit high Reedemable cash - High surplus cash so opportunity cost is moderate
Data insuffeciency problem
Very much aligned to risk tolerance score
Data insufficiency problem as 1. No tangible & personal assets data provided
derate & conservative scenario resp against his actual saving of Rs. 6,84,000 pa
60 15 15 10
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