Networth Statement
Ref. Assets Amount
A PERSONAL
Property
Jewellery
B CASH EQUIVALENTS
Cash in hand
Savings Bank A/c
Recievables( friend)
C DEBT
EPF Value
Superannuation Fund Value
Gratuity
Recurring Deposits
Insurance - Surrender Value
D Equities
Direct Equity
Mutual Funds
TOTAL ASSETS
Ref. Liabilities Amount
A Loans
Home Extension Loan(LIC)
Renovation Loan(Company)
TOTAL LIABILITIES
NETWORTH = TOTAL ASSETS - TOTAL LIABILITIES
II INCOME EXPENDITURE STATEMENT
Ref. Inflows Amount
A Salary Income
Gross Salary
Bonus
Ref. Outflows Amount
B Monthly expenses
Household expenses
Lifestyle expenses
C Other expenses
Taxes & Other Deductions
Loan EMIs
Term Insurance
D Regular Investments
SIP and RD
EPF
Insurance Premium
SURPLUS/DEFICIT = TOTAL INFLOWS - TOTAL OUTFLOWS
- Liquidity Ratio - at least 15%
- Solvency - 3 months cash outflow
III ASSET GOAL MAPPING
No. Goal Goal yr(age) PV of goal FV of goal Recommended
Investment Assets
1 Sons Edu. 2015 (58) 200,000 320,000 Equity or MF r Insurance or PF,etc
IV ONE YEAR ACTION PLAN
No. Action to be taken Category Through Timeline
1 Build equity portfolio in Blue Investment Plan Equity Broker Immediately or
Chip Stocks, Index Funds or Insurance Plan or Ongoing or
or or Contingency Pln Self or Banker When Due
Personal Accident Policy or Debt Mgmt or
of cover 5lacs Insurance Agent
RECOMMENDATIONS
- Make 5-10 year cash Flow
- Prepare 1 yr Action Plan & Review Every Year
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