Scenario Summary

Current Values: Asset Allocation Younger Adult

Changing Cells:
$D$5 70% 70%
$D$6 20% 20%
Result Cells:
$D$24 -2,286.62 -2,286.62
Notes: Current Values column represents values of changing cells at
time Scenario Summary Report was created. Changing cells for each
scenario are highlighted in gray.
 Asset Allocation Older Adult

20%
70%

-3,973.93
Scenario Summary
Current Values: Asset Allocation Aggressive
Changing Cells:
$D$5 70% 70%
$D$6 20% 20%
Result Cells:
$D$24 -2,286.62 -2,286.62
Notes: Current Values column represents values of changing cells at
time Scenario Summary Report was created. Changing cells for each
scenario are highlighted in gray.
 Asset Allocation Conservative Scenario_medium

20% 45%
70% 45%

-3,973.93 -3,024.31
Assumptions Aggressive
Sandeep's portfolio will be distributed as follows:
Asset classes Weight Returns
equity 70% 15%
bonds 20% 10%
bank deposit 10% 5%

Average

Retirement age 65
Current Age 35 years
Current Savings -
Target 10000000

Work engine
Weighted Average return 13.00%
Time horizon 360 months
FV 10000000
Interest 1.08% per month
PV -

Output
SIP monthly contribution -2,286.62
Proportion
Total Saving 10,000,000.00 100%
Pricipal 823,182.69 8%
Interest 9,176,817.31 92%

Sensitivity Analysis
Starting age
2,286.62
21 367.64
22 418.59
23 476.62
24 542.74
25 618.08
26 703.95
27 801.84
28 913.45
29 1040.75
30 1185.98
31 1351.73
32 1540.96
33 1757.12
34 2004.14
35 2286.62
36 2609.85
37 2980.00
38 3404.27
39 3891.04
40 4450.20
41 5093.35
42 5834.26
43 6689.30
44 7678.09
45 8824.24
Current Savings
2,286.62
0 2286.6185933228
5000 2231.3086173594
10000 2175.9986413961
15000 2120.6886654328
20000 2065.3786894695
25000 2010.0687135061
30000 1954.7587375428
35000 1899.4487615795
40000 1844.1387856161
45000 1788.8288096528
50000 1733.5188336895
55000 1678.2088577262
60000 1622.8988817628
65000 1567.5889057995
70000 1512.2789298362
75000 1456.9689538728
80000 1401.6589779095
85000 1346.3490019462
90000 1291.0390259829
95000 1235.7290500195
100000 1180.4190740562

Equity rate of return

2,286.62
10% Err:504
11.00% Err:504
12.00% Err:504
13.00% Err:504
14.00% Err:504
15.00% Err:504
16.00% Err:504
17.00% Err:504
18.00% Err:504
19.00% Err:504
20.00% Err:504

Current Savings
2,286.62 0
Start Age 21 367.6449
22 418.5879
23 476.6208
24 542.7396
25 618.0827
26 703.9525
27 801.8401
28 913.4533
29 1040.751
30 1185.981
31 1351.727
32 1540.964
10000 33 1757.117
34 2004.143
9000
35 2286.619
8000
7000
6000
10000
9000
8000 36 2609.85
7000 37 2980.004
38 3404.267
6000 39 3891.044
5000 40 4450.197
41 5093.349
4000
42 5834.259
3000 43 6689.303
44 7678.085
2000
45 8824.238
1000
0
21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39
 input
calc
output Sandeep wants to do retirement planning
10.500% 30 years to retir 35 years old
2.000% Systematic Investment Plan
0.500% Rs. 1 lakh per month
???
13.000% 1 crore rupees in his retirement savings account
zero savings

Proportion
Pricipal; 8.23%

Interest; 91.77%

Inflow +ve

Goal Seek
outflow -ve
Proportion Target $ 10,000,000.00
SIP amount -2286.62

savings 500000
FV ($ 24,188,544.66)

10000.00
9000.00
8000.00
7000.00
6000.00
5000.00
4000.00
3000.00
2000.00
1000.00
0.00
21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45
 12

10

0
10% 11% 12% 13% 14% 15% 16% 17% 18% 19% 20%

Current Savings
5000 10000 15000 20000 25000 30000
313.294378849 258.943889748 204.5934006474 150.2429 95.8924224461 41.5419333455
364.211921292 309.8359606842 255.4600000765 201.084 146.708078861 92.3321182537
422.215830869 367.8108537979 313.4058767272 259.0009 204.595922586 150.1909455153
488.301521717 433.8634852712 379.4254488255 324.9874 270.549375934 216.1113394882
563.6069606 509.1312525986 454.6555445976 400.1798 345.704128596 291.2284205947
649.433892271 594.9152493368 540.3966064025 485.878 431.359320534 376.8406775997
747.272464935 692.7048782425 638.1372915501 583.5697 529.002118165 474.4345314726
858.829870345 804.2064770462 749.5830837477 694.9597 640.336297151 585.7129038522
986.063743942 931.376701882 876.6896598224 822.0026 767.315575703 712.6285336434
1131.22123445 1076.461577334 1021.7019202216 966.9423 912.182605997 857.4229488842
1296.88485935 1242.0423289919 1187.1997986304 1132.357 1077.51473791 1022.672207546
1486.02652597 1431.0893774685 1376.1522289646 1321.215 1266.27793196 1211.340783453
1702.07143467 1647.0262096735 1591.980984677 1536.936 1481.89053468 1426.845309688
1948.97401581 1893.8052777625 1838.6365397189 1783.468 1728.29906363 1673.130325588
2231.30861736 2175.9986413961 2120.6886654328 2065.379 2010.06871351 1954.758737543
 2554.37840175 2498.9068100883 2443.4352184249 2387.964 2332.4920351 2277.020443435
2924.3468911 2868.690222657 2813.0335542105 2757.377 2701.72021732 2646.063548871
3348.39790913 3292.5291091038 3236.6603090826 3180.792 3124.92270904 3069.053909019
3834.93143177 3778.8192432909 3722.7070548142 3666.595 3610.48267786 3554.370489384
4393.80526017 4337.4134949924 4281.0217298131 4224.63 4168.23819945 4111.8464342751
5036.63573456 4979.9223933559 4923.2090521513 4866.496 4809.78236974 4753.069028538
5777.17531007 5720.0915138523 5663.0077176325 5605.924 5548.84012519 5491.756328973
6631.7913054 6574.2799874212 6516.7686694429 6459.257 6401.74603349 6344.234715508
7620.07941194 7562.0737027085 7504.0679934812 7446.062 7388.05657503 7330.050865799
8765.65900893 8707.0802233692 8648.5014378053 8589.923 8531.34386668 8472.7650811135

9 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45
etirement planning

tirement savings account

41 42 43 44 45
18% 19% 20%

35000 40000 45000 50000 55000 60000 65000 70000 75000 80000
-12.8086 -67.159 -121.51 -175.86 -230.211 -284.561 -338.911 -393.262 -447.612 -501.963
37.95616 -16.4198 -70.7958 -125.172 -179.548 -233.924 -288.3 -342.676 -397.052 -451.427
95.78597 41.38099 -13.024 -67.429 -121.834 -176.239 -230.644 -285.049 -339.454 -393.859
161.6733 107.2353 52.79723 -1.64081 -56.0788 -110.517 -164.955 -219.393 -273.831 -328.269
236.7527 182.277 127.8013 73.32559 18.84988 -35.6258 -90.1015 -144.577 -199.053 -253.529
322.322 267.8034 213.2847 158.7661 104.2475 49.72882 -4.78982 -59.3085 -113.827 -168.346
419.8669 365.2994 310.7318 256.1642 201.5966 147.029 92.46142 37.89384 -16.6737 -71.2413
531.0895 476.4661 421.8427 367.2193 312.5959 257.9725 203.3492 148.7258 94.10236 39.47897
657.9415 603.2544 548.5674 493.8804 439.1933 384.5063 329.8192 275.1322 220.4452 165.7581
802.6633 747.9036 693.144 638.3843 583.6247 528.865 474.1053 419.3457 364.586 309.8264
967.8297 912.9871 858.1446 803.3021 748.4596 693.617 638.7745 583.932 529.0894 474.2469
1156.404 1101.466 1046.529 991.5922 936.655 881.7179 826.7807 771.8436 716.9064 661.9693
1371.8 1316.755 1261.71 1206.664 1151.619 1096.574 1041.529 986.4835 931.4383 876.3931
1617.962 1562.793 1507.624 1452.455 1397.287 1342.118 1286.949 1231.78 1176.612 1121.443
1899.449 1844.139 1788.829 1733.519 1678.209 1622.899 1567.589 1512.279 1456.969 1401.659
2221.549 2166.077 2110.606 2055.134 1999.662 1944.191 1888.719 1833.248 1777.776 1722.305
2590.407 2534.75 2479.094 2423.437 2367.78 2312.124 2256.467 2200.81 2145.154 2089.497
3013.185 2957.316 2901.448 2845.579 2789.71 2733.841 2677.972 2622.104 2566.235 2510.366
3498.258 3442.146 3386.034 3329.922 3273.81 3217.697 3161.585 3105.473 3049.361 2993.249
4055.455 3999.063 3942.671 3886.279 3829.888 3773.496 3717.104 3660.712 3604.321 3547.929
4696.356 4639.642 4582.929 4526.216 4469.502 4412.789 4356.076 4299.362 4242.649 4185.936
5434.673 5377.589 5320.505 5263.421 5206.337 5149.254 5092.17 5035.086 4978.002 4920.918
6286.723 6229.212 6171.701 6114.189 6056.678 5999.167 5941.655 5884.144 5826.633 5769.122
7272.045 7214.039 7156.034 7098.028 7040.022 6982.017 6924.011 6866.005 6807.999 6749.994
8414.186 8355.608 8297.029 8238.45 8179.871 8121.292 8062.714 8004.135 7945.556 7886.977
 85000 90000 95000 100000
-556.313 -610.664 -665.014 -719.365
-505.803 -560.179 -614.555 -668.931
-448.264 -502.669 -557.074 -611.479
-382.707 -437.145 -491.583 -546.021
-308.004 -362.48 -416.956 -471.431
-222.864 -277.383 -331.902 -386.42
-125.809 -180.377 -234.944 -289.512
-15.1444 -69.7678 -124.391 -179.015
111.0711 56.38403 1.696987 -52.9901
255.0667 200.3071 145.5474 90.78775
419.4044 364.5618 309.7193 254.8768
607.0321 552.095 497.1579 442.2207
821.3478 766.3026 711.2574 656.2122
1066.274 1011.105 955.9367 900.768
1346.349 1291.039 1235.729 1180.419
1666.833 1611.361 1555.89 1500.418
2033.84 1978.184 1922.527 1866.87
2454.497 2398.628 2342.76 2286.891
2937.136 2881.024 2824.912 2768.8
3491.537 3435.145 3378.753 3322.362
4129.222 4072.509 4015.796 3959.082
4863.835 4806.751 4749.667 4692.583
5711.61 5654.099 5596.588 5539.076
6691.988 6633.982 6575.977 6517.971
7828.398 7769.82 7711.241 7652.662