“ sample portfolio, the finstem way “
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PORTFOLIO SUMMARYMr. XYZ
About UsFINSTEM helps individuals and organization create the value they are looking for by providing a platform for the entire range of financial services. We offer a complete range of solutions that includes a combination of best of breed proprietary and non proprietary(Third Party) products. FINSTEM as an organisation firmly believes in the tagline "Inspiring with Integrity". We have maintained the integrity and made sure to be an inspirational organisation for our employees, clients and channel partners
Mission & VisionOur Mission
We shall strive to distinguish FINSTEM as an admired and most customer centric financial services leader, a trusted partner and a provider of innovative financial solutions for growing and protecting wealth. We at all times shall give our best to live up the trust and confidence reposed on us by our clients and employees.Our Vision To be the most preferred financial institution with the widest distribution network and a provider of customised financial solutions to become the most trusted and respected organisation recognized by our clients for delivering excellence
FINSTEM -The GroupFinstem Financi
al Service
s
Finstem
Infrastructure
Finstem
Outsourci
ngFinstem
Digital Marketing
Eastern Homes
INNOVATIVE FINANCIAL PLANNING TOOL
CLIENT INPUT
RISK APPETITEJUDGED BY RISK
PROFILER
CURRENT FINANCIAL SITUATION
ASPIRATION AND FUTURE GOALS
Current Portfolio Analysis
Analysis via advisory tool
Portfolio recommendation and regular portfolio analysis
1
2
3
4
PORTFOLIO ANANLYSIS
NOTES:39.7% of the total portfolio is earning only 4% in the savings A/C14.1 % of the portfolio is not earning any return as kept in Cash
Equity Direct Equity
Debt Balanced Liquid Savings A/C
Cash FD Real Estate0.0
20.0
40.0
60.0
80.0
100.0
120.0
12.031.0 32.0
0.0 0.0
66.3
23.54.0 0.0
7.2
18.6 19.2
0.0 0.0
39.7
14.1
2.4
0.0
Existing Portfolio
Value Percentage Series3
Equity Direct Equity
Debt Balanced Liquid Savings A/C
Cash FD Real Estate0.0
10.020.030.040.050.060.070.0
11.0 11.032.0 40.0
20.08.8 0.0 4.0
41.06.6 6.6
19.224.0
12.0
5.2
0.0
2.4
24.6
Recommended Portfolio
Value Percentage Series3
NOTE:Direct Equity Exposure of 6.6% added to boost the return in the Existing PortfolioDebt Exposure kept intactAmount lying in savings A/c at 4% to be shifted in savings a/c fetching 7% returnCash Exposure to be partially shifted to Liquid Funds to make it return effective.24.6 % invested in Real Estate fund shall fetch12% guaranteed return
Portfolio (in lacs)
Equity; 12
Direct Equity;
31
Debt; 32
Savings at low ROI,
66.25
Cash; 23.5
Fixed Deposit;
4
Existing
Equity7% Di-
rect
Equity11
Debt19%
Balanced24%
Savings at high
ROI5%
Liquid Fun
d12%
Real Estate24%
Fixed Deposit
2%
Recommended
Portfolio (in %age)Equity
7% Di-rect Eq-uity7%
Debt19%
Balanced24%
Savings at high
ROI5%
Liquid Fun
d12%
Real Estate24%
Fixed Deposit
2%
Recommended
Equity7%
Di-rect
Equity
18%
Debt19%
Savings at low ROI
39%
Cash14%
Fixed Deposit
2%
Existing
Recommendation SheetType Asset Class Risk Category Amount Return
RemarksExitingRecommen
ded ExitingRecommen
ded ExitingRecommend
ed ExitingRecommen
ded ExitingRecommen
ded
Savings
SavingsSaving
s savingsVery
ConservativeVery
Conservative62500
0 625000 4% 7%Open a bank account in
YES/Kotak/Indusind
Liquid MFSaving
s liquidVery
ConservativeVery
Conservative20000
00 2000000 4% 8%Funds available for business
expansion
MFSaving
s BalancedVery
Conservative Conservative20000
00 2000000 4% 10% Invest in Balance Fund (MF)
Real EstateSaving
s Real EstateVery
Conservative Moderate20000
00 2000000 4% 12% Savings to RE
MF MF Equity Equity Aggressive Aggressive11000
00 1100000 .+/- 15% .+/- 15% No Change
FMP FMP Debt Debt Conservative Conservative32000
00 3200000 8-10% 8-10% No Change
Accenture Stocks
Direct Equity Equity Equity Aggressive
Very Aggressive
1100000 1100000 .+/- 10% .+/-30% Open a trading/demat account
MF Equity Balanced Aggressive Moderate20000
00 2000000 .+/- 10% 10% Invest in Balance Fund (MF)
Fixed Deposit
Fixed Deposit fixed fixed
Very Conservative
Very Conservative
400000 400000 8% 8% No Change
Other Liq Assets Savings Cash savings
Very Conservative
Very Conservative
250000 250000 0% 7% move the funds to Savings account
Guwahati Real Estate Cash Real EstateVery
Aggressive Moderate21000
00 2100000 0% 12%
Effect on Portfolio
Asset Class
Existing Recommended
Amount ROI
1 year expected return(Taking the
return on the positive side) Amount ROI
1 year expected return(Taking the
return on the positive side)
Savings 6625000 4% 265000 875000 7% 61250
Equity 4200000 .+/- 15% 630000 1100000 .+/- 15% 165000
Direct Equity 0 0 0 1100000 .+/-30% 330000
Debt 3200000 8-10% 288000 3200000 8-10% 288000
Balanced 0 0 0 4000000 10% 400000FD 400000 8% 32000 400000 8% 32000
Cash 2350000 0 0 0 0 0
Liquid 0 0 0 2000000 8% 160000
Real Estate 0 0 0 4100000 12% 492000
TOTAL 16775000 1215000 16775000 1928250
The Recommendation Impact in %age
Existing Recommended0
2
4
6
8
10
12
7.24
11.494
Return
Return
Liability PlanningAuto Loan EMI @ 11% 10000Home Loan EMI @ 10.75% 60000
Home Loan EMI @ 10.15% 27000
EXISTING RECOMMENDED
NOTE: Existing 25 Lacs Home Loan and 2 Lac Auto Loan is advised to merge as one home loan of 27 LacsThis results into net saving of 43000 on the current EMI being paid
2 Lacs
25 Lacs
27 Lacs
Existing vs Recommended Portfolio
Existing Recommended0
5
10
157.24
14.77
Return
Return
NOTE:43000 saved from the Loan EMI can further be invested in the form of SIPConsidering 10% return per annum on 5.16Lacs(43000*12),the portfolio return increases by 5.55 Lacs, enhancing the return from 7.24% to 14.77 %
DISCLAIMER:Finstem India Pvt Ltd makes no representation or warranty, express or implied, with respect to the fairness, correctness,accuracy, reasonableness, viability for any particular purpose or completeness of the information. Finstem has no obligation to update,modify or amend this publication or to otherwise notify a reader in the event that any matter stated herein, or any opinion, projection, forecast orestimate set forth herein, changes or subsequently becomes inaccurate. This presentation is provided for information purposes only. Any potentialoffering or transaction may be subject to the applicable regulations, acceptable market practices, negotiated terms & conditions reflectedappropriately in legal documentation in final form. In addition, because this presentation is a summary only, it may not contain all material terms, thispresentation, in and of itself should not form the basis for any investment decision. We are not acting and do not purport to act in any way as anadvisor or in a fiduciary capacity. We therefore strongly suggest that potential investors seek their own independent advice in relation to any legal,tax, accounting or regulatory issues relating to the matters discussed herein. This presentation and the information contained herein is confidentialand may not be reproduced or distributed in whole or in part without our prior written consent
