As on today
Newly married couple
My Monthly income 10k (Age 29yrs)
Wife’s income 15k (Age 28yrs)
TOTAL Expenses (10k/m)
(Living with Mother & Father (Father’s own house Senior Citizen + his pension 5k) Budget Family,
A) MY PORTFOLIO
ANNUAL INCOME 1,00,000/- APPROXIMATE
ANNUAL EXPENSES 50,000/-
INVESTMENTS:
MONTHLY INV 500 – 35,000 PPF MATURITY
MONTHLY INV 1000 – HDFC Top 200 Fund(G)
5,000.00 211.5059 23.640
MONTHLY INV 1000 – HDFC Multiple Yield Fund 2005(G)
7,000.00 18.9059 370.255
SAVINGS:
2,00,000 WORTH OF LAND IN UPTOWN
30,000 WORTH OF LAND IN VILLAGE
MAJOR CHALLANGE:
BUILDING EMERGENCY FUND
FUTURE PLAN
1. planning of SIP near future
2. Family Floater health insurance, later, Term Plan
B) WIFE’S PORTFOLIO
ANNUAL INCOME 1,50,000/- APPROXIMATE
ANNUAL EXPENSES 36,000/-
INVESTMENTS ON POSTAL :
MONTHLY INV 500 – 3,000 R D MATURITY
MONTHLY INV 470 – 2,500 RPLI MATURITY
MONTHLY INV 1000 – 50,000 PPF MATURITY
MONTHLY INV 1000 – HDFC Balanced Fund(G)
7,000.00 64.2467 108.955
MONTHLY INV 1000 – Birla SL Dividend Yield Plus(G)
5,000.00 93.4003 53.533
MONTHLY INV 1000 – Quantum Gold Saving Fund(G)
5,000.00 13.5786 368.226
SAVINGS :
GOLD JEWELLERY 22CT WORTH 2,24,000
MAJOR CHALLANGE :
GOLD SCHEME
BUILDING EMERGENCY FUND DURING PREGNENCY
FUTURE PLAN
1. Gold Scheme 2,000/- per month (15 months – maturity 34,000)
2. To build an emergency fund during pregnancy
THANKS