PVS (Prashant V Shah)

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    Prashant V Shah
    Ahmedabad.

    Ph: 92274 08080

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    Tax Planning and Estate Planning

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Basic Calculations for Retirement Planning – CFP

Posted by Prashant Shah on January 4, 2017

  1. Interest Rate Calculation

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Mathematics of Retirement Planning

Case

Current age of Mr. Shah is 30 years. His current household expenses are Rs.3,50,000 per annum. He estimates that post retirement he will need 80% of the pre-retirement expenses. Estimated inflation for his lifestyle is 6%. He wants to retire at the age of 60 years. He can invest money at 12% now and at 9% post retirement. His life expectancy is 80 years.capture

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Investment and Growing Annuity

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2 Responses to “Basic Calculations for Retirement Planning – CFP”

  1. Preeti Chhatwal said

    Dear Prashant sir ,

    Can you tell me how to solve this problem.
    A buys second house at 60 lakh. Available loan is 40 lakh for 15 year at 9.5% rate. He liquidates his portfolio towards down payment stamp duty and furnishings. He has 5 lakh cash in hand at present. He is expected to save annually save 2 lakh. He would rent out new house at a rent of 25000 p.m. He will invest remaining cash in hand along with quarterly saving and rent received net of 20% maintenance charge on a quarterly basis beginning a quarter from now. Considering 8% p.a. growth in investment and real estate prices. What would be his net worth five years from now?

  2. jyoti mahant said

    Hello Prashant sir,
    I have recently given the retirement planning module a week back under the legacy program and I was not able to pass the exam. I was unable to solve the numerical and didn’t even get those which I prepared. I bought material from IMS Proschool, now I am completely blank about what to do and how to prepare, Kindly advise. The questions were really harder than those I practised.

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