8ampIa FamIIy FInanrIaI FIan

The content ol this reort is lor illustrative uroses only Coywrite 0MhMax Soltware Solutions Ltd
Fraparad Ior
Mr A Mishra & Mrs F Mishra
Advisor. Tanwir Alam

ntroduction ..........................................................................................................................8
Fersonal Betails ....................................................................................................................4
Anuam and Fraveen Family 0oals.......................................................................................O
Anuam and Fraveen Asset Schedule...................................................................................7
Anuam and Fraveen Annual wealth Creation ......................................................................8
Retirement Flannin............................................................................................................1O
mlications lor Early Bemise Anuam...............................................................................14
nvestment Flan Samle ...................................................................................................1O
Current Situation.................................................................................................................1O
nvestment 0bjectives.........................................................................................................17
Asset Allocation Balanced.................................................................................................18
Fortlolio Recommendations................................................................................................2O
Market udate at hovember 2OO8.......................................................................................24
vital to take rolit................................................................................................................25
0ortunities ......................................................................................................................25
Final word...........................................................................................................................25
0ur Current Fortlolio Recommendations............................................................................2O
Cash and Fixed nterest ......................................................................................................2O
nvestment Timelrame. 1O years lus. Taret Return. 5.O% to 8.O%a. alter tax.
(7.5% to 12.O% ross at 88% tax.) ....................................................................................27
mlementation...................................................................................................................28
mortant Foints About a Biversilied Fortlolio....................................................................2O
nvestment Markets ............................................................................................................2O
SF nvestment....................................................................................................................8O
Risk Manaement Module Lile Cover ...............................................................................82
Lile nsurance Analysis lor Anuam Mishra........................................................................82
Risk Frotection health nsurance.......................................................................................84
Major Medical Analysis lor Anuam Mishra........................................................................84
Risk Manaement 0eneral nsurance ...............................................................................85
Fire and 0eneral Analysis lor Fire and 0eneral ....................................................................85
Bisclaimer ...........................................................................................................................8O
Samle Family Financial Flan
ntroduction
Bear Anuam Mishra & Fraveen,
we are leased to reare this linancial lan lor you.
A lull linancial lan would cover Cash Manaement, Risk Manaement, Retirement Flannin, nvestment Flannin and
Estate & Tax Flannin. The sections covered in this lan are outlined on the contents ae.
The lollowin lan will assess your current situation and make recommendations in line with your objectives based on
the inlormation you have sulied reardin your lile situation. Many assumtions have been made. These will have to
be conlirmed and modilied in the liht ol actual events. The solutions adoted in this lan need to be reularly reviewed.
we ure you to study these recommendations carelully and will answer any questions you may have. You need to make
imortant decisions on the urency and timin ol the issues dealt within this lan. The ellort you have taken to reach
this oint is well worthwhile. we would advise you to reularly review and revisit you lan in terms ol chanin
objectives and chanes to the lilestyle.
Tanwir Alam
8L kdvIsors
Samle Family Financial Flan
Fersonal Betails
Samle Family Financial Flan
6||ent 0eta||s
Assoc|aled Parly 0ela||s
ho|der 0eta||s
6||ent Name

6||ent Type

Address
6ontact Type
Name
Address

6ontact Type
Name
Address

6ontact Type
Name
Address

6ontact Type
Name
Address

6ontact Type
Name
Address
Address:



6ontact Type
Name:
Address:
Name
PAN

Name
PAN
1 H|shra Fam||y
(0emo P|an + |nsurance Rev|ew}

Coup|e

ur|l -5
32, To||er|ar Road
Lordor 1000Z5
Accountant
Vr lar|s| 8arsa|
Lawyer
Vr La|s|r| V|lla|

0aughter
Vrs Ruc|| C|aW|a
Crandch||d
Vs R|la C|aW|a

Father
Vr Raj V|s|ra

Father
Vr Raj V|s|ra
Vr Arupar V|s|ra

Vrs Praveer V|s|ra




Ph(hm}
Ph(wk}
Ema||

00
Ph(hm}
Ph(wk}
Ema||


00
Ph(hm
Ph(wk}
Ema||

00
Ph(hm}
Ph(wk}
Ema||


00

Ph(hm}
Ph(wk}
Ema||


00
Ph(hm}
Ph(wk}
Ema||

01/03/1918


11/12/1951


12/12/1980


03/01/2005


01/01/1925
00
Tax Rate

00
Tax Rate



91 22 3010500
arupar_orr|raxsollWare.cor
01/01/195Z
20

03/01/195Z
0 - No Tax Rale
P|ease corl|rr l|e lo||oW|rg ||sl accurale|y rel|ecls your l|rarc|a| p|arr|rg oojecl|ves.
3|orl Terr 0oa|s (|ess l|ar 1 year)
To la|e corlro| ol our persora| sperd|rg
Pul |r p|ace a ||le p|ar lo cover |rsurarce reeds
lave a erergercy lurd
lrvesl |urp sur ol Rs.15,00,000
Ved|ur Terr 0oa|s (1 lo 5 years)
Purc|ase a lo||day lore lor Rs. 2,000,000 |r 5 years
Lorg Terr 0oa|s (5 years or rore)
Rel|re al 0 years ol age ard a lore|gr lour al Rs. 500,000 per year
8uy a Car |r 8 Years l|re lor Rs. 500,000
louse reroval|or |r 11 years l|re lor Rs. 500,000
3ecure lurd|rg lor 0rardc|||d ||g|er educal|or
You reed lo urderslard l|e l|re |or|zor lor your goa|s car ellecl your |rveslrerl p|ars. ll |s a|Ways pruderl lo cover your s|orl
lerr reeds |r|l|a||y ard l|er sel as|de lurds lor |rveslrerls over l|e |orger lerr.


















Samle Family Financial Flan
Anupam and Praveen Fam||y Coa|s
Fersonal Betails
what you 0wn (Assets}
what you 0we (L|ab|||t|es}
home
0ther Propert|es
8uperannuat|on
0ther 8av|ngs
Va|ue 0f us|ness
Veh|c|es
0ther Assets
Hortgage
Persona| Loan

Net worth
Rs. 20,00,000.00
Rs. 10,00,000.00
Rs. 5,00,000.00
Rs. 15,00,000.00
Rs. 50,00,000.00
Rs. 2,00,000.00
Rs. 20,000.00
Rs. 1,02,20,000.00
Rs. 1,00,00,000.00
Rs. 3,00,000.00
Rs. 1,03,00,000.00
Rs. 80,000.00-
P|ease role, |l |s pruderl lo s|are F|rarc|a| 0ela||s W|l| your adv|sor s|rce We oller corp|ele c||erl corl|derl|a||ly. we va|ue your ous|ress ard
re|al|ors||p ard Wou|d oe corr|lled lo oesl serv|ce W|l| you. T|e qua||ly ol our adv|ce cou|d gel a|lered |rcase ol |radequacy ol dala s|ared oy
Samle Family Financial Flan
|ncome
Rs. 5,00,000.00
Rs. 1,00,000.00
Rs. 3,50,000.00
Rs. 3,00,000.00
80,000.00
Rs. 5,000.00
Rs. 50,000.00
Rs. 25,000.00
Rs. 20,000.00
Rs. 35,000.00
Rs. 10,000.00
Rs. 50,000.00
Rs. 15,000.00
Rs. 5,000.00
Rs. 2,500.00
Rs. 0.00
Rs. 10,000.00
Rs. 3,37,500.00
Rs. 0.00
Rs. 0.00
Rs. 15,000.00
Rs. 5,000.00
Rs. 0.00
Rs. 20,000.00
Rs. 3,57,500.00
Rs. 3,42,500.00
6omb|ned 8a|ary|wages (gross}
6omb|ned 8a|ary|wages (net}

0ther |ncome Rent (gross}
0ther |ncome Rent (net}


0ebt Repayments
|nterest Payments
Transport
|nsurance
Rent|onds
Educat|on
Ut|||t|es
Food
6|oth|ng
Fam||y 8upport
Hed|ca|
Rep|acement
Repa|rs


0onat|ons
Enterta|nment
ho||days
Newspapers
Pets
Tota| Expenses
Tota| 8urp|us
F|xed Expenses
0|scret|onary Expenses
Samle Family Financial Flan
Anuam and Fraveen Annual wealth Creation
Va|rla|r|rg good oudgel|rg pr|rc|p|es ass|sls |r rarag|rg your |rcore ard oulgo|rgs. 0|sc|p||re |r l||s area W||| reap s|gr|l|carl
reWards |r l|e lulure.
Ellecl|ve sav|rgs carrol la|e p|ace url|| you |roW W|al you |ave lo spare. ll |s rol sorel||rg l|al you W||| ac||eve l|rsl l|rel T|ere
W||| a|Ways oe sorel||rg you |ave lorgoller. T|e |rlorral|or you |ave g|ver us rusl oe la|er as prov|s|ora| url|| l|e oudgel |as
rur lor a per|od. T|e |rporlarl l||rg |s l|al you |roW W|al |s |apper|rg lo your |ard earred roreyl You rusl oe |r corlro|.
The fo||ow|ng tab|e ||sts the |ncome and expenses that you have supp||ed:
Samle Family Financial Flan
ncome Exenditure Breakdown
0eol (1Z.5)
Tax (10.00)
3pare (10.29)
F|xed Experses (29.Z1)
0|screl|orary Experses (2.35)
8ummary:
Your lola| coro|red |rcore |s Rs. 8,50,000.00
You |ave pa|d lax ol Rs. 1,50,000.00.
Your |rcore aller lax |s Rs. 7,00,000.00.
Aller l|xed experses ol Rs. 3,37,500.00 ard d|screl|orary experd|lure ol Rs. 20,000.00 you are |ell W|l| Rs. 3,42,500.00 per year.
Your lulure l|rarc|a| secur|ly W||| deperd or |oW successlu||y l||s spare |rcore |s used..
P|ease note wh||e a c||ent has ||tt|e contro| over f|xed expenses he has a greater degree of contro| over the d|scret|onary
expenses. we a|m to graph|ca||y represent where money comes |n from and where |t |s spent. As you empower the c||ent
to take contro| over spend|ng, |t makes c||ents more respons|b|e for the|r act|ons.
Samle Family Financial Flan
Retirement Flannin
T|e aoove rurer|ca|s supporl your reeds ard goa|s al var|ous ages ard l|e|r l|rarc|a| |rpacl or your overa|| porllo||o.
You are currerl|y aged 51, l||s projecl|or s|oWs l|e susla|rao|||ly ol draW|rg |rcore lror your sav|rgs ol Rs. 2,00,000 oeg|rr|rg al
age 0 l|roug| url|| age 85. T||s projecl|or assures l|al you W||| draW doWr cap|la| as We|| as |rcore lo reel your lola| draW|rgs.
we ooserve oased or your goa|s ard asp|ral|ors you W||| oe s|oW lo accuru|ale assels uplo age 0 ard W||| l|er ou||d assels very
qu|c||y dur|rg l|e rel|rererl years lo |eave oe||rd a good corpus lor your lar||y al your lerr|ra| age.
Age ard lrcore Pararelers
Rel|rererl Age : 0
Rel|rererl 0verr|de Age : 0
L|le Expeclarcy : 85
lrcore Requ|red : Rs. 2,00,000.00
Assels
Currerl assel va|ual|or Rs. 15,00,000
3av|rgs / Experses Per|od(s)
Regu|ar 3av|rgs - 3ave Rs. 3,00,000 per year lror l|e age ol 55 lo 0
0verseas Trave| - 3ave Rs. 5,00,000- per year lror l|e age ol 0 lo 5
Posla| 3av|rgs - 3ave Rs. 1,00,000 per year lror l|e age ol 52 lo 5Z
0epos|ls/w|l|draWa|s
Car Purc|ase - w|l|draW Rs. 5,00,000- al l|e age ol 55
louse Reroval|or - w|l|draW Rs. 3,50,000- al l|e age ol 58
lo||day lore - w|l|draW Rs. 20,00,000- al l|e age ol 0
Pers|ors
wor| Pers|or - Rece|ve a pers|or ol Rs. 5,00,000 per year slarl|rg al l|e age ol 0
T|e ca|cu|al|ors |r l|e ||le p|ar cas|l|oW ara|ys|s |s oased or l|e lo||oW|rg assurpl|ors
A|| |rpuls rel|ecl loday's va|ues ard are caplured W|l||r l|e ara|ys|s, ard |r lurr are adjusled lor l|e |rpacl ol |rl|al|or
Relurrs are ca|cu|aled or ar arrua| oas|s or|y
T|e exacl age ol l|e c||erl eslao||s|es l|e arrua| cyc|e
T||s projecl|or |as ar aller lax relurr ol 10.0 ard ar |rl|al|or rale ol .0 W|l| ar overr|de |rleresl rale ol 8.0 ard
overr|de age ol 0.0






























wealth 0rah
Age
51
52
53
51
55
5
5Z
58
59
0
1
2
3
1
5
8av|ngs
Rs. 0
Rs. 1,0,000
Rs. 1,12,30
Rs. 1,19,102
Rs. 5,01,991
Rs. 5,35,290
Rs. 5,Z,108
Rs. 1,51,089
Rs. 1,Z8,151
Rs. 3,3Z,89-
Rs. 8,95,121-
Rs. 9,19,119-
Rs. 10,0,098-
Rs. 10,,11-
Rs. 11,30,152-
0epos|t
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. ,31,238-
Rs. 0
Rs. 0
Rs. 3,50,000-
Rs. 0
Rs. 20,00,000-
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Pens|on
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 8,11,Z39
Rs. 8,95,121
Rs. 9,19,119
Rs. 10,0,098
Rs. 10,,11
Rs. 11,30,152
Educat|on
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
|ncome Requ|re
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 3,3Z,89
Rs. 3,58,1Z0
Rs. 3,Z9,0
Rs. 1,02,139
Rs. 1,2,58
Rs. 1,52,181
Portfo||o Va|ue
Rs. 15,00,000
Rs. 1Z,5,000
Rs. 20,13,90
Rs. 23,Z,158
Rs. 21,ZZ,95
Rs. 32,1,011
Rs. 11,51,553
Rs. 1,Z1,098
Rs. 5,1,32
Rs. 12,31,19
Rs. 12,15,219
Rs. 11,Z2,ZZ
Rs. 11,01,159
Rs. 10,05,90
Rs. 38,Z1,198
Samle Family Financial Flan
Samle Family Financial Flan
mlications lor Early Bemise Anuam
You are currerl|y aged 51, l||s projecl|or s|oWs l|e susla|rao|||ly ol draW|rg |rcore lror your sav|rgs ol Rs. 2,00,000 oeg|rr|rg al
age 51 l|roug| url|| age 85. T||s projecl|or assures l|al you W||| draW doWr cap|la| as We|| as |rcore lo reel your lola| draW|rgs.
Praveer, We adv|ce you l|al you W||| oe oul ol assels |rcase ol Arupar's der|se al l|e currerl age, oy arol|er 9 years lror roW.
we adv|ce you appropr|ale ||le cover lor Arupar ard de|ay l|e purc|ase ol your |o||day |ore.
Age ard lrcore Pararelers
Rel|rererl Age : 51
Rel|rererl 0verr|de Age : 0
L|le Expeclarcy : 85
lrcore Requ|red : Rs. 2,00,000.00
Assels
Currerl assel va|ual|or Rs. 15,00,000
3av|rgs / Experses Per|od(s)
Regu|ar 3av|rgs - 3ave Rs. 3,00,000 per year lror l|e age ol 55 lo 0
0verseas Trave| - 3ave Rs. 5,00,000- per year lror l|e age ol 0 lo 5
Posla| 3av|rgs - 3ave Rs. 1,00,000 per year lror l|e age ol 52 lo 5Z
0epos|ls/w|l|draWa|s
Car Purc|ase - w|l|draW Rs. 5,00,000- al l|e age ol 55
louse Reroval|or - w|l|draW Rs. 3,50,000- al l|e age ol 58
lo||day lore - w|l|draW Rs. 20,00,000- al l|e age ol 0
Pers|ors
wor| Pers|or - Rece|ve a pers|or ol Rs. 5,00,000 per year slarl|rg al l|e age ol 0
The ca|cu|at|ons |n the ||fe p|an cashf|ow ana|ys|s |s based on the fo||ow|ng assumpt|ons
A|| |rpuls rel|ecl loday's va|ues ard are caplured W|l||r l|e ara|ys|s, ard |r lurr are adjusled lor l|e |rpacl ol |rl|al|or
Relurrs are ca|cu|aled or ar arrua| oas|s or|y
T|e exacl age ol l|e c||erl eslao||s|es l|e arrua| cyc|e






























Age
51
52
53
51
55
5
5Z
58
59
0
8av|ngs
Rs. 0
Rs. 1,0,000
Rs. 1,12,30
Rs. 1,19,102
Rs. 5,01,991
Rs. 5,35,290
Rs. 5,Z,108
Rs. 1,51,089
Rs. 1,Z8,151
Rs. 3,3Z,89-
0epos|t
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. ,31,238-
Rs. 0
Rs. 0
Rs. 5,2,2Z1-
Rs. 0
Rs. 33,Z8,958-
Pens|ons
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 8,11,Z39
Educat|on
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
Rs. 0
|ncome Requ|red
Rs. 2,00,000
Rs. 2,12,000
Rs. 2,21,Z20
Rs. 2,38,203
Rs. 2,52,195
Rs. 2,Z,15
Rs. 2,83,Z01
Rs. 3,00,Z2
Rs. 3,18,ZZ0
Rs. 3,3Z,89
Portfo||o Va|ue
Rs. 13,00,000
Rs. 13,21,000
Rs. 13,11,010
Rs. 13,59,312
Rs. 11,1,531
Rs. 11,95,832
Rs. 19,29,119
Rs. 1Z,1,123
Rs. 20,80,121
Rs. 9,3,180-
Th|s project|on has an after tax return of 10.07 and an |nf|at|on rate of 6.07 w|th an overr|de |nterest
rate of 8.07 and overr|de age of 60.0
wealth 0rah
Samle Family Financial Flan
Samle Family Financial Flan
nvestment Flan Samle
Currerl 3|lual|or
You are see||rg |rveslrerl adv|ce |r re|al|or lo Rs. 15,00,000.
lrveslrerl 0ojecl|ves
Your |nvestment object|ves have been ||sted as fo||ows:
Accuru|ale assels lo prov|de lor a corlorlao|e rel|rererl |rcore.
Arrarge ar |rveslrerl porllo||o lo reduce l|e r|s| ol |oss
Prov|de ar adequale slardard ol ||v|rg lor your lar||y |r l|e everl ol your deal|
3ave rore rorey or a regu|ar oas|s
The fo||ow|ng statements def|ne your |nvestor prof||e as a a|anced |nvestor:
3E Adv|sors see|s lo rarage your porllo||o W|l||r l|e cr|ler|a sel ard W||| see| lo g|ve you exposure lo Furds l|al are perlorr|rg |r
l|e lop quarl||e ard lo adjusl your assels a||ocal|or lo reel currerl ecoror|c cord|l|ors W|||sl ra|rla|r|rg your lrveslrerl Prol||e.
Vosl |rveslrerls are red|ur lo |org-lerr. lrlerral|ora| 8ord Furds are red|ur lo |org-lerr. 8ord Furds 1-3 years, s|ares 5
years, properly 5-Z years. Relurrs W||| a|Ways oe deperderl or currerl ecoror|c cord|l|ors ard ro aoso|ule guararlee |s poss|o|e.
Al eac| rev|eW you are corl|rr|rg l|e slralegy adopled as dela||ed aoove. ll l||s |s ro |orger appropr|ale you s|ou|d rol|ly your
adv|sor.








Asset A||ocat|on - a|anced
Cash (1OO.OO%)
6||ent 0uest|onna|re
Cas|
0eol
0||l
Properly
Equ|ly
lrlerral|ora| Equ|ly
A|lerral|ve Assels
8ector
Cas|
0eol
0||l
Properly
Equ|ly
lrlerral|ora| Equ|ly
A|lerral|ve Assels
0efens|ve
12.0
8.0
0.0
.0
5.0
9.0
0.0
|dea| Percentage
8.0
12.0
0.0
8.0
15.0
2Z.0
0.0
6onservat|ve
10.0
0.0
0.0
.0
10.0
11.0
0.0
|dea| Amount
Rs. 1,20,000
Rs. ,30,000
Rs. 0
Rs. 1,20,000
Rs. 2,25,000
Rs. 1,05,000
Rs. 0
a|anced
8.0
12.0
0.0
8.0
15.0
2Z.0
0.0
Actua| Amount
Rs. 1,20,000
Rs. ,30,000
Rs. 0
Rs. 1,20,000
Rs. 2,25,000
Rs. 1,05,000
Rs. 0
Crowth
3.0
2Z.0
0.0
11.0
20.0
33.0
.0
Aggress|ve
1.0
9.0
0.0
12.0
21.0
12.0
15.0
Cas| (8.00)
0eol (12.00)
Equ|ly (15.00)
Properly (8.00)
lrlerral|ora| Equ|ly (2Z.00)
Samle Family Financial Flan
Samle Family Financial Flan
Fortlolio Recommendations
6ash
0ebt
Property
|nvestment
|nternat|ona| Equ|ty
|nvestment
l0FC Cas| Varagererl Furd - 3av|rgs P|ar-0a||y 0|v|derd 0pl|or
A|rs al prov|d|rg reasorao|e lrcore a|org W|l| ||g| ||qu|d|ly
|nvestment
38l Vagrur Vorl||y lrcore P|ar - 0roWl|
FT lrd|a Vorl||y lrcore P|ar-0roWl|
03P 8|ac|Roc| 3lraleg|c 8ord Furd - Regu|ar P|ar - 0roWl|
|nvestment
l0FC Cas| Varagererl Furd - 3av|rgs P|ar-0a||y 0|v|derd 0pl|or
l38C Cas| Furd - Regu|ar - 0roWl|
|nvestment
l0FC 0roWl| Furd - 0roWl| 0pl|or
lClCl Pruderl|a| 0yrar|c P|ar-0roWl| 0pl|or
Re||arce Equ|ly Furd-0roWl| P|ar-0roWl| 0pl|or
03P 8|ac|Roc| 0pporlur|l|es Furd - lrsl|lul|ora| P|ar - 0roWl|
A3lAN l0TEL3 LT0
F|de||ly Equ|ly Furd-0roWl| 0pl|or
|nvestment
3urdarar 0|ooa| Advarlage Furd 0roWl|
Amount
Rs. 0,000
Rs. 0,000
Amount
Rs. 1,5Z,500
Rs. 1,5Z,500
Rs. 1,5Z,500
Amount
Rs. 0,000
Rs. 0,000
Amount
Rs. 5,250
Rs. 5,250
Rs. 28,125
Rs. 28,125
Rs. 28,125
Rs. 28,125
Amount
Rs. 1,05,000
Erlry Load: 0
Ex|l Load: 0
Th|s |s where your econom|c overv|ew w||| appear. Th|s can be updated as requ|red and a|| prev|ous |nputs are captured
and used when creat|ng h|stor|c documents.
8amp|e on|y Harket Update at November 2008
we |ave seer sore draral|c c|arges |r rar|els over l|e |asl quarler |rc|ud|rg o|| pr|ces ac||ev|rg a|| l|re ||g|s ard recerl|y
eas|rg suoslarl|a||y, ||g| |rl|al|or l|gures l|roug|oul l|e deve|oped Wor|d (|r parl due lo acce|eral|rg o|| ard corrod|ly pr|ces)
ard ore ol l|e o|ggesl rar|el cras|es |r ||slory. Reserve 8ar|s ard 0overrrerls |ave oeer Wor||rg logel|er W|l| o||||or do||ar
sl|ru|us pac|ages ard draral|ca||y dropp|rg |rleresl rales oy, al l|res, ore percerl |r a s|rg|e reel|rg lo |e|p a||ev|ale W|al
Samle Family Financial Flan
cou|d |ave oeer l|e o|ggesl '8ar||rg Arrageddor' |r ||slory. T|ar|lu||y 0overrrerls ard Reserve 8ar|s |ave Wor|ed |ard ard
acled lasl lo |e|p sl|ru|ale ecoror|es ard rar|els.
Recerl dec||res are prov|d|rg sore very good ouy|rg opporlur|l|es, as a|Ways W|l| rar|els, l|ey overexlerd lo l|e ups|de oul a|so
lo l|e doWrs|de. 0re lurd rarager |ad correrled l|al l|e ouy|rg opporlur|l|es currerl|y ava||ao|e are arorg l|e oesl |e |as
seer s|rce l|e r|d Z0's o|| s|oc|s.
T|ere |s sl||| a cors|derao|e arourl ol urcerla|rly |r l|e rar|el W|l| l|e cred|l cr|s|s urlo|d|rg |r l|e u3. vo|al|||ly |as oeer
urprecederled W|l| vo|al|||ly |rd|ces s|oW|rg exlrere |eve|s ol vo|al|||ly lar |r excess lo ol|er ep|sodes ol |rveslor a|arr, suc| as l|e
lec| Wrec|, ard l|e s|gr|l|carl corporale la||ures |r ear|y 2000. T|e excess|ve vo|al|||ly |as a|so oeer s|oWr W|l| |rd|ces |||e l|e
0oW Jores see|rg sW|rgs |r excess ol 9 |r a s|rg|e day. lrveslors Were so learlu| ol rar|els l|al l|e relurrs lor u3 0overrrerl
secur|l|es Were |r regal|ve lerr|lory lor l|e l|rsl l|re ever, rear|rg l|al |rveslors Were pay|rg l|e 0overrrerl lo use l|e|r rorey
ral|er l|ar l|e 0overrrerl pay|rg |rveslors lor l|e use ol |l.
T||s a|| |||uslrales l|al W|al |s currerl|y |apper|rg |r rar|els |s rol oased or rar|el lurdarerla|s oul oased or lear. A larous
quole oy warrer 8ullel ore ol l|e cerlury's rosl successlu| |rveslors |s 'oe learlu| W|er ol|ers are greedy ard oe greedy W|er
ol|ers are learlu|. Vr 8ullel |as slaled recerl|y l|al |e |as oeer se|||rg ||s oord |o|d|rgs ard ouy|rg a |arge ruroer ol sloc|s lor
||s persora| porllo||o. var|ous lurd raragers ard ecoror|c researc|ers |ave correrled l|al l|e currerl erv|rorrerl W||| prooao|y
prov|de l|e oesl ouy|rg opporlur|ly lor l|e rexl lWerly years.
T|e expecled oul|oo| |s l|al l|ere W||| corl|rue lo oe suo-par ecoror|c groWl| |r l|e deve|oped Wor|d, oa|arced oy aoove-lrerd
groWl| lror l|e |||es ol C||ra ard lrd|a over l|e rexl lWo years. T|ar|lu||y W|l| c||erls |av|rg We|| d|vers|l|ed porllo||os l|e |rpacls
ol |ssues currerl|y allecl|rg rar|els |ave oeer s|gr|l|carl|y reduced. 0o|rg lorWard l|ere |s cerla|r|y oourd lo oe lurl|er vo|al|||ly,
oul as l|e pasl |as laug|l us, aller sleep dec||res rar|els lerd lo |ave a good recovery. v|la| lo la|e prol|l.
0ver l|e |asl 2 - 3 years We |ave oeer carelu| lo W|l|draW rorey lror l|e |rveslrerls |r s|ares ard l||s |as Wor|ed very We||.
A|l|oug| lrd|a |s currerl|y |r a recess|or l|e s|gr|l|carl reducl|ors |r |rleresl rales ard Wea|ress |r our currercy W||| |e|p l|e
recovery ellorl go|rg lorWard. we |ave a|so oeer carelu| lo W|l|draW rorey lror l|e 3|ares |r l|e |asl 2 years. T|e 3ersex erded
doWr 53 lor l|e |asl year. T|ose W|o la||ed lo la|e prol|l W||| oe exposed.
L|sled properly |as rol separaled |lse|l lror l|e vo|al|||ly over l|e |asl 12 rorl|s. 0ue lo our prev|ous|y ||g| |rleresl rales ard l|e
|rp|os|ors ol sore ol l|e |ead|rg properly lrusls |rveslors |ave oecore rore caul|ous W|l| l|e |oca| seclor. T|e dec||re |r |rleresl
rales |s seer as a good s|gr lor l||s seclor as |l s|ou|d reduce l|e|r rorlgage/l|rarc|rg cosls. 3|are va|ual|ors are |oo||rg very
allracl|ve due lo l|e currerl erv|rorrerl. Corpar|es, W||c| are sl||| ra||rg good prol|l ard are ||g|l years a|ead lror W|ere l|ey
Were ever 10 years ago, |ave oeer pur|s|ed oy |rveslor serl|rerl. Vosl corpar|es are currerl|y lrad|rg al l|e pr|ces l|ey |ad
ac||eved |r l|e r|d 1990's, W||c| |s d|scourl|rg l|e groWl|, W||c| l|ey |ave erjoyed over l|e pasl 10 years. C|rcurslarces |||e
l|ese prov|de lurl|er ev|derce l|al |rveslors are rol lrad|rg or lurdarerla|s oul or currerl rar|el serl|rerl, add|rg lo l|e
argurerl l|al roW |s l|e l|re lo ouy.
Europe ard As|a |ave rol oeer ao|e lo s||e|d l|erse|ves lror l|e |ssues W||c| are |rlecl|rg l|e g|ooa| l|rarc|a| rar|els see|rg
dec||res as s|gr|l|carl as |r l|e u3, lor exarp|e C||ra's rar|el |s 1/3 l|e s|ze |l Was al |l's pea| |r 0clooer |asl year. w|||e l|ere |s
good reasor lo oe||eve l|al l|e|r doresl|c |rlraslruclure W||| urderp|r l|e good groWl| |r ererg|rg rar|els, rore accourl reeds lo
oe la|er W|l| l|e|r ||r|s lo l|e|r s|oW|rg lrade parlrers.T|e ererg|rg rar|el ecoror|es are sl||| expecled lo groW lasler l|ar l|e|r
deve|oped ecorory courlerparls oul al a s|oWer rale l|ar prev|ous|y expecled.
Vosl lorecasls seer lo agree l|al l|ere W||| oe corl|rued vo|al|||ly l|roug|oul 2008 ard |rlo l|e ear|y slages ol 2009. T|ere are sl|||
Worr|es aooul l|e u3 ecorory ard l|e cred|l crurc| ard l||s |s |||e|y lo |ave ar |rpacl or relurrs ard vo|al|||ly go|rg lorWard.
0|vers|l|cal|or ard ||r|l|rg exposure lo ary-ore |rveslrerl |s |oo||rg lo oe l|e oesl course ol acl|or |r l|ese vo|al||e l|res.
T|e recerl dec||res |r rosl rar|els rears l|al s|are pr|ces |r a|| parls ol l|e Wor|d are aclua||y qu|le c|eap currerl|y, ard so l|e
0pporlur|l|es
F|ra| word
Samle Family Financial Flan
cor|rg year W||| preserl ouy|rg opporlur|l|es lor l|e orave.
0overrrerls |ave oeer do|rg everyl||rg |r l|e|r poWer lo supporl ecoror|es |rc|ud|rg s|gr|l|carl|y reduc|rg cas| rales, prov|d|rg
sl|ru|us pac|ages lor |rd|v|dua|s, prov|d|rg rescue pac|ages ard lurd|rg ||res lo rajor |rsl|lul|ors ard prov|d|rg cap|la| guararlees
lor oar|s ard ol|er l|rarc|a| |rsl|lul|ors. T||s |s a s|gr|l|carl lurrarourd lror pasl per|ods ol urease, W||c| prov|des ruc| reeded
supporl ard corl|derce aooul rar|els ard ecoror|es go|rg lorWard.
As a|Ways, We ra|rla|r a |org lerr v|eW: we recorrerd secur|rg prol|ls lror areas l|al |ave seer slrorg groWl|, ouy|rg |r l|res
ol Wea|ress ard We recorrerd lry|rg lo |grore vo|al|||ly (suc| as We are see|rg roW) as l|al |s parl ard parce| ol l|e |org lerr
jourrey.
0ur 6urrent Portfo||o Recommendat|ons
6ash: L|qu|d|ly rarges lror 0r Ca|| lo 90days. Targel Relurr: 3.5 lo 1.5pa. aller lax. (5.2 lo .Z gross al 33 lax.) T|e
s|gr|l|carl dec||re |r our 0ll|c|a| Cas| Rale |as rearl a s|gr|l|carl dec||re |r cas| relurrs. Furl|er eas|rg |r rorelary po||cy |s
expecled so l||s W||| |rev|lao|y |ave a s|gr|l|carl |rpacl or cas| relurrs l|roug| lo r|d 2009
F|xed lrleresl: lrveslrerl T|relrare 1 - 5 years as requ|red. Targel Relurr: 1.0 lo 5.0pa. Aller lax. ( lo Z.5 gross al 33
lax) over l||s l|relrare. As W|l| cas| relurrs l|xed |rleresl relurrs |ave oeer dropp|rg s|gr|l|carl|y due lo l|e eas|rg |r rorelary
po||cy ard l|e |rlroducl|or ol l|e 0uararlee 3c|ere lror l|e 0overrrerl.
Property: As slaled aoove l|ere are sore s|gr|l|carl opporlur|l|es lor |rveslrerl |r l||s area, ool| W|l| ors|ore ard olls|ore lrusls.
we currerl|y use a r|xlure ol ||sled properly |rveslrerls ard ur||sled properly lurds. T|e ra|r d|llererces oelWeer l|e lWo are l|al
l|e ||sled lurds are rore vo|al||e oul a|so rore ||qu|d ard l|e ur||sled lurds are |ess vo|al||e oul |ave |ess ||qu|d|ly. Vosl properly
lurds are currerl|y s|gr|l|carl|y d|scourled lo NAv, W||c| ra|es l|er very allracl|ve |r l|e currerl rar|el cord|l|ors. T|e
|rlroducl|or ol l|e PlE reg|re a|so ra|es l|ese properly lurds rore lax ell|c|erl ard rore prol|lao|e.
|nvestment T|meframe: 7 years p|us.
Target Return: 5.0 to 7.07pa. after tax (7.57 to 10.57 gross at 337 tax} over th|s t|meframe.
0rs|ore Equ|ly (Auslra||a ard NeW Zea|ard): w|||sl lrd|a|as a W|de ecoror|c oaseard |l |s l|e p|ace W|ere rosl c||erls sperd
l|e|r rupees ard l|ere |s ro exc|arge rale r|s|. T|ere a ruroer ol lurds W||c| a|so prov|de ar ellecl|ve lax pos|l|or as We||.
lrveslrerl T|relrare: 10 years p|us. Targel Relurr: 5.0 lo 8.0pa. aller lax. (Z.5 lo 12.0 gross al 33 lax.)
lrlerral|ora| Equ|l|es: we preler lo Wor| W|l| aoso|ule relurr raragers W|ere poss|o|e. T|e slralegy l|ey erp|oy car reduce
vo|al|||ly ard |rprove relurrs lor exarp|e ore ol l|e raragers We use |ave dec||red 10 |r l|e |asl year rol l|e 38 dec||re seer
|r l|e W|der olls|ore rar|el. we a|so use sore cap|la| prolecled lurds, W||c| g|ve exposure lo l|e ups|de |rlerral|ora| s|ares oul
a|so ||r|ls l|e regal|ve s|de. T|e |rlerral|ora| lurds g|ve s|gr|l|carl d|vers|l|cal|or over d|llererl ecoror|es ard assel lypes. 0re
lurd ray |ave exposure lo 300 s|ares ard l||s avo|ds l|e r|s| ol jusl |o|d|rg ore corpary. T|e currercy |as oeer aga|rsl
|rveslors over l|e |asl coup|e ol years oul |as |r recerl l|res cus||ored |rveslors lror l|e |arge dec||res olls|ore.
lrveslrerl T|relrare: 10 years p|us. Targel Relurr: 5.0 lo 9.0pa. Aller lax (Z.5 lo 13.1 gross al 33 lax) over l||s
l|relrare.
3pec|a|ly Furds/Aoso|ule Relurr 3lraleg|es: we |ave used l|ese lurds exlers|ve|y |r l|e pasl W|l| very good resu|ls. T|ese lurds
|ave prov|ded exce||erl relurrs |r l|e pasl ard |ave |ad a |oW corre|al|or lo currerl rar|el cord|l|ors. T|ese lurds a|r lo prov|de
a ||g|er relurr l|ar l|xed |rleresl W|l|oul l|e vo|al|||ly ol s|ares. T|e use ol l|ese lurds |as prov|ded s|gr|l|carl prolecl|or lror l|e
dec||r|rg rar|els over l|e pasl year W|l| sore lurds prov|d|rg relurrs |r excess ol 10.
|nvestment T|meframe: 5 to 11 years.
Target Return: 5.07 to 127pa. after tax (9.07 to 20.97 gross at 337 tax.} over th|s t|meframe.
Cas| ard F|xed lrleresl
Samle Family Financial Flan
mlementation
1.
2.
3.
P|ease ment|on your bank account :
Your l0FC Cas| Varagererl Furd - 3av|rgs P|ar-0a||y 0|v|derd 0pl|or W||| oe l|e cas| accourl lor your porllo||o:
Accl Nare: Vr A V|s|ra & Vrs P V|s|ra
8ar|: l0FC Vulua| Furd
Accl No: T8N
P|ease s|gn the fo||ow|ng forms:
Forr Nare
03P 8|ac|Roc| Vulua| Furd App||cal|or Forr
F|de||ly Vulua| Furd App||cal|or Forr
Frar|||r Terp|elor Vulua| Furd App||cal|or Forr
l0FC Vulua| Furd App||cal|or Forr
l38C Vulua| Furd App||cal|or Forr
lClCl Pruderl|a| Vulua| Furd App||cal|or Forr
Nal|ora| 3loc| Exc|arge App||cal|or Forr
Re||arce Vulua| Furd App||cal|or Forr
38l Vulua| Furd App||cal|or Forr
3urdarar Vulua| Furd App||cal|or Forr
ur|lec| Rea| Eslale Furd App||cal|or Forr
Funds Transfer:
P|ace a|| lurds |r l|e l0FC Cas| Varagererl Furd - 3av|rgs P|ar-0a||y 0|v|derd 0pl|or 3|gr lurds
lrarsler aul|or|ly lor l|e lo||oW|rg arourls:
Th|s account w||| be used for any transact|ons you make w|th|n ex|st|ng |nvestment s structure a|so
Note: P|ease prov|de a cert|f|ed copy of the PAN 6ard and the KY6 forms of a|| ho|ders
Prov|der
03P 8|ac|Roc| Vulua| Furd
F|de||ly Vulua| Furd
Frar|||r Terp|elor Vulua| Furd
l0FC Vulua| Furd
l38C Vulua| Furd
lClCl Pruderl|a| Vulua| Furd
Nal|ora| 3loc| Exc|arge
Re||arce Vulua| Furd
38l Vulua| Furd
3urdarar Vulua| Furd
ur|lec| Rea| Eslale Furd
Amount
Rs. 1,85,25
Rs. 28,125
Rs. 1,5Z,500
Rs. 1,1,250
Rs. 0,000
Rs. 5,250
Rs. 28,125
Rs. 28,125
Rs. 3,15,000
Rs. 1,05,000
Rs. 1,20,000
mortant Foints About a Biversilied Fortlolio
nvestment Markets
SF nvestment
The enef|ts of a 0|vers|f|ed Portfo||o
Eac| ol l|e |rveslrerl lurds |s d|vers|l|ed W|l||r |lse|l W|l| rary urder|y|rg assels. T|ere |s d|vers|l|cal|or over rary rar|el
seclors ard assel lypes as We|| as geograp||ca| |ocal|ors.
T|ere |s d|vers|l|cal|or oy |rveslrerls sly|e. Eac| ol l|e lurd raragers |as a var|al|or ol ar |rveslrerl approac|.
lrveslrerls, W|ere poss|o|e, are se|ecled or qua||lal|ve ard quarl|lal|ve cr|ler|a. lrdeperderl ecoror|c researc| |as oeer
app||ed lo l|e assel a||ocal|or.
T|e perlorrarce ol eac| lurd |s ror|lored lo ersure corpel|l|ve relurrs lor l|e currerl ecoror|c cord|l|ors.




T|e |rveslrerl rar|els are cyc||ca| |r ralure. T||s rears l|al sorel|res |rveslrerls W||| go doWr |r va|ue lor a per|od ol l|re.
loWever, l|e rar|els W||| a|so recover ard go or lo g|ve good relurrs, as l|ey |ave or every occas|or |r l|e pasl. ll |s lor l||s
reasor l|al ar |rveslrerl porllo||o rusl oe v|eWed over a l|relrare |r excess ol 5 years. ll cap|la||sr la||s, so do l|e oar|sl
Va|rla|r|rg a |org-lerr slralegy l|roug| s|orl-lerr d|srupl|ors |s l|e |ey lo successlu| |rvesl|rg. T||s W||| sorel|res lesl your
rervel
3lP lrveslrerl 3av|rg regu|ar|y |s ore ol l|e rosl poWerlu| d|sc|p||res W|l||r a persora| l|rarc|a| p|ar. T|e arourl saved reeds lo
oe |rcreased eac| year oy l|e arourl ol |rl|al|or.
T|e corpourd|rg ol relurrs over l|e years |s your oesl lr|erd.
Regu|ar sav|rg prov|des l|e opporlur|ly lo rupee cosl average W||c| |s W|l|oul douol ore ol l|e srarlesl slraleg|es erp|oyed oy
|rveslors arourd l|e Wor|d.
ur|||e oar| depos|ls or rorlgage lurds groWl| |rveslrerls do rol go up |r a slra|g|l ||re oul car relurr severa| l|re rore,
overl|re. 3av|rg regu|ar|y |rlo l|ese |rveslrerls car Wor| lo l|e |rveslors' advarlage W|er l|e rar|els go up ard W|er l|ey go
doWrl
3E Adv|sors |as se|ecled l|e lo||oW|rg so|ul|or lor you lo rupee cosl average |rlo.
oth funds are the best performers |n the|r category and we recommend use |nvest |n e|ther of them over a |onger term and
|ook at a hor|zon of at |east 3-5 years.
Samle Family Financial Flan
|nvestment
8|r|a 3ur L|le Tax P|ar 0|v|derd 0pl|or
l0FC Tax3aver-0|v|derd P|ar
Amount
Rs. 5,000.00
Rs. 5,000.00
hoIa. FIaasa aIso provIda a ropy oI your Fkh rard and a srannad ropy oI Iha kY6 Form Ior aarh InvasIor.
Risk Manaement Module Lile Cover
R|s| Varagererl |derl|l|es l|ose c|rcurslarces l|al cou|d corpror|se your pal| lo reac||rg your persora| oojecl|ves ard goa|s.
Ana|ys|s of th|s |s trad|t|ona||y broken down |nto the fo||ow|ng areas:
L|le Cover
lrcore Prolecl|or
Cr|l|ca| Care
lea|l| Cover
0erera| R|s| Cover (F|re ard T|ell)
E|l|er you car cover l|ese c|rcurslarces lror your oWr resources or you car pay ar |rsurarce corpary lo cover a|| or parl ol l|e
r|s|. ll you la||ed lo |rsure your |ore ard |l Was deslroyed oy l|re l|er you Wou|d |ave lo use ol|er assels lo rep|ace |l e.g. your
rel|rererl lurd, or, |r a Worsl-case scerar|o, you cou|d oWe l|e rorlgage corpary lor a |ouse you do rol |avel





L|fe |nsurance Ana|ys|s for Anupam H|shra
|nvestment
F|ra| Experses
Adr|r|slral|or
Repay Vorlgage
0l|er Loars
Educal|or Needs
0l|er Cas| Needs
Cap|la| requ|red lo supp|y |rcore ol Rs. 3,00,000.00 lor 15 year(s)
lor your surv|vors |l |rvesled W|l| a 10.00 relurr
Tota| Estate Assets Requ|red
Funds ava||ab|e to meet estate needs
Ex|sl|rg L|le 8erel|ls:
3uperarrual|or 8erel|ls:
3a|eao|e Assels:
0l|er Furds:
Tota| Funds Ava||ab|e from Estate
Amount
Rs. 30,000.00
Rs. 2,500.00
Rs. 10,00,000.00
Rs. 1,00,000.00
Rs. 15,00,000.00
Rs. 0.00
Rs. 22,81,823.85

Rs. 50,98,326.03
Rs. 50,000.00
Rs. 0.00
Rs. 1,00,000.00
Rs. 0.00
Rs. 1,50,000.00
Your currerl eslale assels Wou|d oe Rs. 19,18,32.03 |ess l|ar l|e arourl reeded lo reel l|e requ|rererls you |ave g|ver.
we or|rg oul l|e rea| reed lor |rsurarce ard |r exacl arourl.
we reed lo la|e |rlo accourl l|e ||ao||l|es ard oo||gal|ors ol l|e persor |rcase |e/s|e Was lo d|e roW.
we suggesl a lerr p|ar lor Rs 50 La||s lor A8C lrsurarce Corpary
Ary |rsurarce quolal|or l|al |s preserled W||| sl||| oe 'suojecl lo urderWr|l|rg ard ex|sl|rg cord|l|ors ray |rl|uerce l|e prer|ur
ard coverage.
Never carce| ary ex|sl|rg |rsurarce cover url|| reW cover |s |r p|ace ard lu||y corl|rred.

Samle Family Financial Flan
Risk Frotection - health nsurance
T|ere are rary d|llererl lypes ol |ea|l| |rsurarce ava||ao|e. we recorrerd po||c|es l|al |ave l|e ao|||ly lo pay 100 ol l|e cosls.
Po||c|es l|al or|y cover 80 car |eave you W|l| a s|gr|l|carl ||ao|||ly aller rajor surgery.
|t |s poss|b|e to reduce the cost of hea|th |nsurance |n the fo||ow|ng ways:
1. T|e po||cy|o|der car c|oose lo pay ar |r|l|a| excess or ary c|a|r
2. 3ore po||c|es reduce c|arges oy rol cover|rg doclor's v|s|ls ard prescr|pl|or c|arges. T|e aoove slraleg|es are a Way ol q
'se|l-urderWr|l|rg ard reduc|rg cosl ard are arol|er Way ol ra||rg ar erergercy cas| lurd Wor| |ard lor you. For rosl peop|e
l||s |s l|e rosl cosl ellecl|ve so|ul|or.
Vajor Ved|ca| Ara|ys|s lor Arupar V|s|ra
You |ave |rd|caled l|al you do currerl|y |ave ex|sl|rg Ved|ca| lrsurarce cover.
3|rce you a|ready |ave a Ved|ca| Cover ol Rs 300000/- W|l| ar ex|sl|rg |rsurarce corpary We suggesl you corl|rue l|e sare
po||cy ard rereW l|e po||cy lror l|re lo l|re
Any |nsurance quotat|on that |s presented w||| st||| be "subject to underwr|t|ng" and ex|st|ng cond|t|ons may |nf|uence the
prem|um and coverage. Never cance| any ex|st|ng |nsurance cover unt|| new cover |s |n p|ace and fu||y conf|rmed.
ll |s |rporlarl lo rev|eW your gerera| |rsurarces regu|ar|y lo ersure l|al you are gell|rg l|e oesl va|ue lor rorey ard l|al you are
sl||| |rsured appropr|ale|y. T|ere are sore |rporlarl var|al|ors |r l|e cover ollered oy d|llererl corpar|es espec|a||y W|l| respecl lo
ralura| d|saslers ard rajor everls. You adv|sor W||| oe ao|e lo oller corl|rral|or or gu|darce aooul l|e |ssues you reed lo oe aWare
ol |r l||s area.
As a ru|e, you w||| usua||y save money by hav|ng severa| po||c|es grouped together w|th one |nsurer. Th|s can a|so save on
po||cy fees.
F|re ard 0erera| Ara|ys|s lor F|re ard 0erera|
You have the fo||ow|ng |nsurances:
P|ease role l|al rever la|e your persora| assels lror grarled ard |eep l|er prolecled lror F|re, F|oods ard Earl|qua|es. A|so,
la|e |rlo accourl l|e r|s| lor ourg|ary ard l|ell W||c| a|Ways surrourds you.
Ary |rsurarce quolal|or l|al |s preserled W||| sl||| oe 'suojecl lo urderWr|l|rg ard ex|sl|rg cord|l|ors ray |rl|uerce l|e prer|ur ard
coverage. Never carce| ary ex|sl|rg |rsurarce cover url|| reW cover |s |r p|ace ard lu||y corl|rred.
R|sk Hanagement - Cenera| |nsurance
Samle Family Financial Flan
0wner
Arupar
Praveer
Arupar
|tem Va|ue
Rs. 10,00,000.00
Rs. 5,00,000.00
Rs. 90,000.00
Type
0We|||rg
Corlerls
ve||c|e
|nsured Va|ue
Rs. 10,00,000.00
Rs. 50,000.00
Rs. 90,000.00
0escr|pt|on
louse
JeWe||ery
Toyola Corro||a
Annua| Prem|um
Rs. 8,000.00
Rs. 2,500.00
Rs. 3,500.00
Prov|der
aoc lrsurarce Co
Al3 lrsurarce
FlT Volor lrsurarce
Samle Family Financial Flan
0|sc|a|mer
0ear Vr A V|s|ra & Vrs P V|s|ra,
T|e recorrerded producls ard slraleg|es |r l||s lrp|ererlal|or P|ar are lo oe read |r corjurcl|or W|l| l|e 3E Adv|sors F|rarc|a|
P|ar (ard |ls d|sc|a|rer) prepared spec|a||y lor you. T|ese recorrerdal|ors g|ver |ere l|oW oul ol ar ara|ys|s ol your lrveslrerl
Prol||e ard your goa|s ard oojecl|ves as preserled lo us.
|n add|t|on, |t |s |mportant to be aware of the fo||ow|ng:
A|| rar|el ||r|ed |rveslrerl relurrs W||| rel|ecl l|e perlorrarce ol l|e urder|y|rg assels ol l|e producls you |ave c|oser ard W|||
go up ard doWr W|l| l|e va|ue ol l|e producls assels.
w|l| a|| |rlerral|ora| |rveslrerls you are exposed lo l|e added r|s| ol currercy l|uclual|ors.
Vosl lrveslrerls are red|ur lo |org lerr ard l|e r|r|rur |rveslrerl lerr rusl oe cors|dered oelore ra||rg ar |rveslrerl
(F|xed lrleresl Trusls 1-3 years, 3|ares 5 years, Properly 5-Z years.
Ary reporl producl |rlorral|or goods serv|ces or adv|ce (adv|ce) g|ver lo you |as oeer prepared lror l|e |rlorral|or supp||ed
lo us lror you. Ary dec|s|ors rade oy you |r re||arce upor or |r re|al|or lo suc| adv|ce are lo oe rade oy you ard rol oy
3E Adv|sors. You are l|erelore exc|us|ve|y respors|o|e lor a|| acls ard dec|s|ors |r ra||rg ary dec|s|ors |r re||arce or ary adv|ce
or raler|a|s supp||ed lo us oy you.
Ary ca|cu|aled projecl|ors or ary pred|cl|ors g|ver oy us lo you are rol guararleed ard are rere|y ar express|or ol op|r|or
or|y ard are rol |rlerded lor ol|er l|ar |||uslral|or purposes or|y.
w|||sl every care |as oeer exerc|sed ard l|e adv|ce ard l|e slalererls rade are oased or |rlorral|or oe||eved lo oe accurale
l|al ro ||ao|||ly |s accepled oy 3E Adv|sors, or |ls erp|oyees or oll|cers or ouls|de supp||ers ol |rlorral|or lor ary error or or|ss|or
corla|red |ere|r. ll |s slrorg|y recorrerded l|al l||s qua||l|cal|or oe oorre |r r|rd W|er ra||rg ary dec|s|ors |r re||arce upor ary
ol l|e adv|ce corla|red |ere|r. You are exc|us|ve|y respors|o|e lor a|| suc| dec|s|ors. Furl|er, our respors|o|||ly |r correcl|or W|l|
ary raler|a|s or adv|ce g|ver oy us lo you |s supp||ed lo you a|ore ard re|l|er We ror our erp|oyees e|l|er d|recl|y or |rd|recl|y
accepl ary respors|o|||ly |oWsoever ar|s|rg or ary grourds W|alsoever lo ary ol|er parly.
Nol||rg |r l|e aoove d|sc|a|rer s|a|| oe read as ||r|l|rg l|e r|g|ls ard rered|es ava||ao|e lo persors urder lrd|ar LaW
TarW|r A|ar
3E Adv|sors