What a Finished Financial Plan Looks Like
Every SahajMoney plan has the same eight sections. Click through them below with an illustrative family, then download the sample PDF or book a free call to talk about your own.
The family in this sample
A salaried couple, 34 and 32, with a 4-year-old child, living in a rented flat with one home loan on a flat they let out. Their risk profile from the questionnaire is Assertive. Every figure below is illustrative and rounded; a real plan is built from the family's own data sheet.
The plan, section by section
Section 1 of 8
Your financial goals, priced in today's and tomorrow's money
The plan opens with the goals the family named in the discovery call, each with its year, its cost today and the inflation-adjusted amount it will actually need. Everything that follows works back from this page.
- Emergency fund in 2026: about ₹12 lakh, six months of expenses and EMIs.
- House upgrade in 2029: ₹1.4 crore today, about ₹1.7 crore in 2029 at 6% inflation.
- Child's higher education in 2037: ₹60 lakh today, about ₹2.1 crore in 2037 at 12% education inflation.
- Retirement from 2049: ₹7.2 lakh of annual expenses today, about ₹28 lakh a year by 2049.
| Goal | Year | Cost today | Cost in that year |
|---|---|---|---|
| Emergency fund | 2026 | ₹12 lakh | ₹12 lakh |
| House upgrade | 2029 | ₹1.4 crore | ₹1.7 crore |
| Child's education | 2037 | ₹60 lakh | ₹2.1 crore |
| Retirement corpus | 2049 | ₹7.2 lakh a year | ₹7.1 crore corpus |
Section 2 of 8
Cash flow: what comes in, what goes out, what is left to invest
Section A starts with the year's post-tax income of both earners, the family's expenses (monthly, annual and insurance premiums) and what they already invest. The difference is the surplus the plan can put to work.
- Post-tax income: ₹24.5 lakh (him) and ₹12 lakh (her), ₹36.5 lakh a year together.
- Expenses: ₹12.5 lakh a year, including ₹24,000 of term and general insurance premiums.
- Already invested each year: ₹12.6 lakh across SIPs, EPF, NPS and the home-loan EMI.
- Surplus: ₹10 lakh a year left to allocate to the goals.
- Suggested monthly saving, after checking what the family can commit to: ₹1.9 lakh.
- Post-tax income
- ₹36.5 L
- Expenses
- ₹12.5 L
- Already invested
- ₹12.6 L
- Surplus to allocate
- ₹10 L
Section 3 of 8
Assets, liabilities and where the money sits today
Everything the family owns and owes, valued on one date, and the split between debt, equity and real assets. The gap between the current split and the one their risk profile calls for drives the investment plan.
- Financial assets of ₹30.2 lakh: equity funds ₹6.6 lakh, FDs and RDs ₹4.6 lakh, EPF and PPF ₹16.4 lakh, NPS ₹0.2 lakh, surrender value of life policies ₹2.4 lakh.
- Real estate, excluding the home they live in: ₹64 lakh, with ₹11 lakh of home loan outstanding (EMI ₹27,200).
- Net worth, excluding the self-occupied house: about ₹83 lakh.
- Debt-to-equity split of the financial assets today: 78% debt, 22% equity. The long-term goals call for 50:50.
Section 4 of 8
Each goal gets its own allocation and its own answer
Section B takes the goals one at a time: the asset mix for its time horizon, the lump sum or monthly amount it needs, and a plain suggestion. Where a goal is too large, the plan says so and suggests a limit.
- Emergency fund: 100% debt, kept where it can be reached within a day or two, and replenished whenever it is used.
- House upgrade in 3 years: 100% debt, with a suggestion to cap the budget at ₹1.4 crore and fund it 36% from savings and 64% borrowed, so retirement is not starved.
- Education in 11 years: 50% equity, 50% debt; about ₹93,000 a month.
- Retirement in 23 years: 50% equity, 50% debt, with equity reduced by 1% a year so the mix is more conservative as retirement nears.
| Goal | Equity : debt | What it needs |
|---|---|---|
| Emergency fund | 0 : 100 | ₹12 lakh lump sum |
| House upgrade | 0 : 100 | ₹1 crore lump sum plus borrowing |
| Child's education | 50 : 50 | ₹93,000 a month |
| Retirement | 50 : 50, glide path | ₹24 lakh initial, then monthly |
Section 5 of 8
How much to invest, in equity and in debt, and what happens to existing holdings
The recommendation pages turn the goal plans into rupee amounts: how much goes into equity and how much into debt, each month and as a lump sum. In a client's plan each amount has a named holding; they are left out here because a recommendation is specific to one family. Every existing holding is also reviewed, one by one.
- Short-term goals: ₹12 lakh, all in debt.
- Long-term goals: ₹11.5 lakh lump sum each into equity and debt, then ₹75,000 a month into each.
- The family's existing retirement savings count towards the debt share, so less new money goes to debt.
- Each existing holding gets a decision, continue or exit, with the reason, and the money from any exit is moved into the allocation above.
| Asset class | Each month | Lump sum |
|---|---|---|
| Equity | ₹75,000 | ₹11.5 lakh |
| Debt | ₹75,000 | ₹11.5 lakh |
| Total | ₹1.5 lakh | ₹23 lakh |
Section 6 of 8
Life, health and accident cover, sized from the goals
The insurance section works out the cover the family needs from the expenses and goals that would have to be funded without an earner, and compares it with the cover they already hold.
- Life cover needed to support expenses and goals until retirement: ₹5.5 crore; existing cover ₹1 crore, a gap of ₹4.5 crore.
- Health cover for the family: ₹35 lakh in all, against the ₹5 lakh the employer provides, which ends with the job.
- Cover against critical illness and against disability from an accident: ₹25 lakh each for each earner.
- The expected cost is shown before anything is bought, so the family can see what the protection costs.
- Life cover
- ₹5.5 Cr
- Health cover
- ₹35 L
- Critical illness
- ₹25 L each
- Accident and disability
- ₹25 L each
Section 7 of 8
The first-year action plan: a one-page list to work through
The appendix ends with the year's actions in order. This page is what the family uses between the plan walk-through and the six-month review; the review checks it line by line.
- The monthly investments start in the first month; the rest is done as the lump sums become available.
- In a client's plan every item has an amount and a named holding, so nothing is left to interpretation.
- The six-month review and 12 months of email support are part of the first-year fee.
- Set aside ₹12 lakh as the emergency fund, kept within easy reach.
- Start the monthly investments: ₹75,000 into equity and ₹75,000 into debt.
- Invest the ₹11.5 lakh equity and ₹11.5 lakh debt lump sums.
- Close the ₹4.5 crore gap in life cover.
- Bring health cover to ₹35 lakh and add critical illness and accident cover of ₹25 lakh each per earner.
- Act on the continue-or-exit decision for each existing holding.
Section 8 of 8
Risk profile, assumptions and the disclaimer
The plan is only as good as its inputs, so it ends with the family's risk-profile answers, the assumptions behind every projection and a disclaimer. The assumptions are stated so they can be questioned and revised.
- Risk profile: Assertive, from the family's answers to the questionnaire, reproduced in full in the appendix.
- Assumed general inflation 6%, education inflation 12%, post-tax return on equity 11% and on debt 7%. These are assumptions for the projections, not forecasts or promises.
- The plan is reviewed every year and whenever a major life event happens; projections will differ from what actually unfolds.
- It does not provide tax or legal advice, and it is not an account statement.
- General inflation
- 6%
- Education inflation
- 12%
- Post-tax equity return
- 11%
- Post-tax debt return
- 7%
Questions about the sample plan
Is this a real client's plan?
No. The structure is the one every SahajMoney plan follows, but the family and every number are illustrative. The downloadable sample PDF uses the same structure with the figures masked.
How long is a finished plan?
About 30 pages: the goals, cash flow, assets and liabilities, a page or two per goal, the investment recommendations, insurance, the first-year action plan, the disclaimer and your risk-profile answers.
Why does this page not name any investments or policies?
A recommendation is made for one family after its risk profile and goals are known. A client's plan names each holding and the expected cost of each cover; this public page shows only the structure and the amounts.
Will my plan look like this?
The sections are the same; the content depends on your goals, income, holdings and risk profile. Single earners, NRIs and people close to retirement get the same structure with different answers.
What does it cost?
₹15,000 for the first year, including GST, per couple with dependent children and parents. It covers the plan, a review after six months and email support for 12 months. Renewal is ₹7,500 a year, including GST.
How the plan is prepared, step by step · What the fee includes · Guides for NRIs, early retirees and IT professionals
The family and figures on this page are illustrative. Projections depend on assumptions about inflation and returns that will differ from what happens. Investment in securities is subject to market risk. SahajMoney is a SEBI Registered Investment Adviser (INA100008045); registration does not guarantee performance or returns.
Tailored Financial Advice At a Price You Can Afford!
Speak to SahajMoney® advisor today to achieve your financial goals with confidence.