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Final outcome of your Savings Plan in Present Value
At the end of your {phaseYear} year savings plan, you will be {age} () and {age} () years old.
It is estimated that, in Net Present Value, your home will be worth , your investments will be worth and your retirement funds will be worth .
Your investments will be yielding a Real (After Inflation) Return of .
Final outcome of your Retirement Plan in Present Value
At the end of your year retirement plan, you will be () and () years old.
It is estimated that, in Net Present Value, your home will be worth , your investments will be worth and your retirement funds will be worth .
Your investments will be yielding a Real (After Inflation) Return of .
Personal Income & Expenses (Excluding Investment Expenses) (PV) | |
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Income (Salary) | |
Expenses | |
Living Expenses | |
Personal Loan Payments | |
Lifestyle Goals | |
Insurance Premiums | |
Tax Due on Personal Income | |
Savings Allocation from Salary | |
Unallocated Funds (Personal Budget) |
Personal Budget (PV) | |
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Income | |
General Expenses | |
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Living Expenses | |
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Unallocated Funds |
Drawdown Funding (Present Value) | [calendarYear] |
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Pension Funds | [] |
Investments (Income) | [] |
Investments (Capital) | [] |
Total Drawdown | [] |
Your Average Annual Salary is | [$xx] |
Less Income Tax | [$xx] |
Less Living Expenses | [$xx] |
Less Personal Loans Repayments | [$xx] |
Less Lifestyle Goals | [$xx] |
Less Insurance Premiums | [$xx] |
Allocation to Investment Plan (Home and Investments) | [$xx] |
Unallocated Income in Reserve | [$xx] |
Salary Savings for Loan Expenses | |
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Salary (PV) | |
Loan Expenses as per Savings Plan | |
Loan Expenses as % of Salary |
Real Estate Purchases at Start of Year | |
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Investment Property | |
Purchase Price | |
Buying Costs | |
Deposit | |
Loan | |
Home | |
Purchase Price | |
Buying Costs | |
Deposit | |
Loan |
Real Estate Sales at End of Year | |
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Investment Property | |
Sale Price | |
Profit on Sale (CGT) | |
Net Sale Price (After Costs & Loans) | |
Home | |
Sale Price | |
Profit on Sale | |
Net Sale Price (After Costs & Loans) |
Shares, Managed Funds and Superannuation | |
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Purchases | |
Shares | |
Shares (Loan) | |
Managed Funds | |
Sales | |
Shares | |
Managed Funds | |
Superannuation (Personal Contributions) | |
Pre-Tax Contributions | |
After-Tax Contributions |
Statistics & Asset Allocation | |
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Debt Servicing Ratio | |
Nominal Investment Returns (Excluding Retirement Accounts) | |
Investment Profile (Excluding Retirement Accounts) | |
Risk Profile (% Growth Assets) (Excluding Retirement Accounts) | |
Asset Allocation | |
Cash, Term Deposits, Bonds | |
Equities & Other Investments | |
Property & Property Trusts | |
Retirement Accounts |
Lifestyle Goals (PV) | [calendarYear] |
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Balance at Start of Year | |
Savings | |
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Purchases | |
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Balance at End of Year |
This information should be read in conjunction with the detailed Insurance Needs Evaluation Report. This summary shows the results for the first three years of your plan. The results are displayed in Future Value.
Item | Status | Year [x] | |
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Total Expenses |
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Your plan has annual expenses of: | [$xx] |
Investment Income |
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Your plan has annual investment income of: | [$xx] |
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Income less Expenses: | [$xx] |
Item | Status | Year [x] | |
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Liquid Assets |
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Your plan has liquid assets of: | [$xx] |
Item | Status | Year [x] | |
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Life |
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Your plan has no life insurance. | [$xx] |
Total & Permanent Disability |
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Your plan has no total & permanent disability insurance. | [$xx] |
Trauma |
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Your plan has no trauma insurance. | [$xx] |
Income Protection |
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Your plan has no income protection insurance. | [$xx] |
Item | Status | Year [x] | |
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Life |
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Your plan has no life insurance. | [$xx] |
Total & Permanent Disability |
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Your plan has no total & permanent disability insurance. | [$xx] |
Trauma |
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Your plan has no trauma insurance. | [$xx] |
Income Protection |
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Your plan has no income protection insurance. | [$xx] |
Loan Balances & Loan Repayment Schedules | ||
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Loan Balance Start of Year (Including New Loans) | ||
Total Loans | ||
Credit Card | ||
Bank Account | ||
Bank Overdraft (Excluded from Calculations) | ||
Loan Payments (Regular) | ||
Total Loans | ||
Credit Card | ||
Additional Loan Payments | ||
Total Loans | ||
Current Loans & Credit Cards | |||||||
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Description | Type | Lender | Interest Rate | Length | Amount | ||
Credit Card |
( limit) |
Interest Rates | |
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Average Interest Rate | |
Capital Payments | |
Total Capital Payments | |
Interest Payments | |
Total Interest Payments | |
Loan Management for Future Loans | |
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New Loans | |
Investment Property | |
Home Loan | |
Share Portfolio | |
Unlinked Loan | |
Personal Loan | |
Refinanced Loan (Including Additional Loan Amount) | |
Investment Property | |
Home | |
Share Portfolio | |
Unlinked Loan | |
Refinanced Loan - Additional Loan Amount | |
Investment Property | |
Home | |
Share Portfolio | |
Unlinked Loan |