Short Term Period, Medium Term Period & Long Term Period. There is a customised duration for Pre – Retirement period – i.e.If retirement starts before medium term /long term, only post retirement rate of return will apply
for Short Term, Medium Term, Long Term & Post Retirement Rate of Return. So, overall 4 stage rate of return apply. There is 3 type of Post Tax – Rate of Return Assumption, Aggressive, Moderate & Conservative.There is a separate reports for MF Portfolio Analysis & Rebalancing. Mutual Fund Portfolio Statement with day to day valuation facility.Direct Stock Investment Statement includes day to day valuation facility – with an option to advice for sale quantity.If there is a requirement of advice to additional Investment, separate entry module for new addition of fixed return scheme, insurance scheme based on available of surplus future cash flow.There is a separate sheet for Mutual Fund Portfolio Rebalancing.If you want to reduce your burden of EMI, from here you also allocate an amount for loan prepayment.You can allocate this amount to rebalance your portfolio. After applying advice for each scheme, you will get surplus or shortfall figure in sheet. On this sheet, you will find your existing allocation.for this purpose, there is an inbuilt option of advice with each scheme in Investment Register. but if you go through scheme to scheme, you will find much difficulties to take action. Normally, people get advice that how much is to allocate to debt, equity etc.Separate Retirement Plan with Independent Retirement Corpus to find out shortfall in future (if any).There is separate analysis with each goal that, how much amount will be achievable with sale of assets, with loan amount & with investments.If person retires before goal arising, rate of return on investment will be post retirement rate of return, which we have applied in questionnaire.All future goal amount in Goal cash flow statement categorised with Short Term / Medium Term & Long Term with relevant rate of return applied in questionnaire.Child Future Planning ( for 2 Child), Future Need Planning, Future Dream Planning, Retirement Planning with Existing / Future Cash Flow including Shortfall (if any). All Future Financial Goal Cash Flow Statement i.e.Year wise existing & future loan Cash Flow with Principal, Interest & EMI Amount – with Graph.There is also a financial goal gap analysis with graphics. Required investment amount also categorised with Short / Medium & Long Term. You can also find required investment amount for shortfall in each goal amount. Based on this data you can find on this sheet, provision for Emergency fund, How much is shortfall in specific goal, aggregate shortfall & Year wise Shortfall.It is works on FIFO (First in First Out) basis. There is no mapping of each goal with specific Investments.Your entire cash flow will be adjusted accordingly your goal selection. You can select inbuilt option with Yes/No.
For Example, If there is shortfall in High priority goal, you can put some goal on hold to achieve high priority goal. On this sheet – you will be provided figures with % of Goal Amount with How much is achievable & How much is Shortfall.