{"id":541,"date":"2017-05-07T04:21:00","date_gmt":"2017-05-07T04:21:00","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=541"},"modified":"2019-06-10T09:36:28","modified_gmt":"2019-06-10T09:36:28","slug":"goal-planning-case-study-1-hum-do-hamare-do","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/goal-planning-case-study-1-hum-do-hamare-do\/","title":{"rendered":"Goal Planning Case Study: Hum Do Hamare Do"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d6e0f54ee9e\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d6e0f54ee9e\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/goal-planning-case-study-1-hum-do-hamare-do\/#Goal_1_Retirement_in_32_years\" title=\"Goal 1: Retirement, in 32 years.\">Goal 1: Retirement, in 32 years.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/goal-planning-case-study-1-hum-do-hamare-do\/#Lets_add_Goal_2_now_Daughters_college_in_14_years\" title=\"Lets add Goal 2 now: Daughter&#8217;s college, in 14 years.\">Lets add Goal 2 now: Daughter&#8217;s college, in 14 years.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/goal-planning-case-study-1-hum-do-hamare-do\/#Add_Goal_3_Sons_college_in_17_years\" title=\"Add Goal 3: Son&#8217;s college, in 17 years.\">Add Goal 3: Son&#8217;s college, in 17 years.<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/goal-planning-case-study-1-hum-do-hamare-do\/#Add_Goal_4_Car_in_5_years\" title=\"Add Goal 4: Car, in 5 years.\">Add Goal 4: Car, in 5 years.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/goal-planning-case-study-1-hum-do-hamare-do\/#Finally_we_summarize_his_goals_and_recommend_investment_options\" title=\"Finally, we summarize his goals and recommend investment options:\">Finally, we summarize his goals and recommend investment options:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/goal-planning-case-study-1-hum-do-hamare-do\/#For_Ashutosh_the_sum_of_individual_SIPs_is_Rs_34200_per_month_But_once_we_use_our_optimized_single_portfolio_approach_the_same_goals_can_be_achieved_with_a_SIP_of_Rs_30400_per_month\" title=\"For Ashutosh, the sum of individual SIPs is Rs 34,200 per month. But once we use our optimized single portfolio approach, the same goals can be achieved with a SIP of Rs 30,400 per month.\">For Ashutosh, the sum of individual SIPs is Rs 34,200 per month. But once we use our optimized single portfolio approach, the same goals can be achieved with a SIP of Rs 30,400 per month.<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>Case Study: How does a young 28-year old plan a simple path to retirement, his young ones&#8217; education &amp; a Second honeymoon?<\/p>\n<p>Ashutosh is a 28 year old IT professional\u00a0from Pune. He is married with two kids, a 3-month-old boy and a 3-year-old girl. He came to Kuvera seeking financial advice and wanted to plan for a better financial future.<\/p>\n<p>As a first step, Ashutosh sets up his profile on Kuvera with simple yes or no answers.<\/p>\n<p><img loading=\"lazy\" class=\" wp-image-641 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.07-PM-300x232.png\" alt=\"\" width=\"530\" height=\"410\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.07-PM-300x232.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.07-PM.png 756w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<p><img loading=\"lazy\" class=\" wp-image-642 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.21-PM-300x239.png\" alt=\"\" width=\"530\" height=\"422\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.21-PM-300x239.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.21-PM.png 704w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<p>By interpreting his responses, our deep-learning contextual goal planning engine intelligently recommends financial goals that he might want to plan for.<\/p>\n<p>Ashutosh used these recommendations\u00a0to choose his goals and see a customized financial plan taking shape. Of course, he can always add custom goals.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" class=\" wp-image-685 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-05-05-at-12.28.46-PM-300x238.png\" alt=\"\" width=\"530\" height=\"421\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-05-05-at-12.28.46-PM-300x238.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-05-05-at-12.28.46-PM.png 605w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<p>Let&#8217;s add goals one by one.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Goal_1_Retirement_in_32_years\"><\/span>Goal 1: Retirement, in 32 years.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Ashutosh&#8217;s monthly household expenses are Rs 45,000. He also wants to invest Rs70,000 in surplus savings for retirement. Based on this information, our retirement planning calculator suggested he will need an estimated <span class=\"text-nowrap\"> Rs <span class=\"retireCorpus\">2.4 crores<\/span><\/span> to maintain his current lifestyle during retirement. Investing just <span class=\"text-nowrap\"> Rs 70,000 today and Rs 5,400 per month till retirement<\/span> helps achieve this goal.<\/p>\n<p><img loading=\"lazy\" class=\" wp-image-687 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.47-PM-300x297.png\" alt=\"\" width=\"530\" height=\"525\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.47-PM-300x297.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.47-PM-150x150.png 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.51.47-PM.png 656w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<p><em>See how waiting just for 5 years, increases the monthly investment amount to Rs 7,940 or close to 50% higher. Invest early.<\/em><\/p>\n<p><img loading=\"lazy\" class=\" wp-image-688 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.03-PM-300x249.png\" alt=\"\" width=\"530\" height=\"440\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.03-PM-300x249.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.03-PM.png 688w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Lets_add_Goal_2_now_Daughters_college_in_14_years\"><\/span>Lets add Goal 2 now: Daughter&#8217;s college, in 14 years.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Ashutosh wanted to peg the cost to a 4 year college in Pune including living and boarding expenses, but used higher inflation for higher education of 8%.<\/p>\n<p><img loading=\"lazy\" class=\" wp-image-689 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.42-PM-300x278.png\" alt=\"\" width=\"530\" height=\"492\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.42-PM-300x278.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.42-PM.png 674w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<p><em>Note that for shorter term goals, waiting for 5 years increases the monthly investment amount required by more than 120%.<\/em><\/p>\n<p><img loading=\"lazy\" class=\" wp-image-690 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.55-PM-300x264.png\" alt=\"\" width=\"530\" height=\"466\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.55-PM-300x264.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.52.55-PM.png 650w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Add_Goal_3_Sons_college_in_17_years\"><\/span>Add Goal 3: Son&#8217;s college, in 17 years.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ashutosh used the same assumption for his son&#8217;s college too, except he has 17 years to save for this goal. He added a custom goal for his son&#8217;s education &#8211; you can add custom goals once you click on the show more button in the goal planning page.<\/p>\n<p><img loading=\"lazy\" class=\" wp-image-691 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.53.54-PM-300x294.png\" alt=\"\" width=\"531\" height=\"520\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.53.54-PM-300x294.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.53.54-PM.png 658w\" sizes=\"(max-width: 531px) 100vw, 531px\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Add_Goal_4_Car_in_5_years\"><\/span>Add Goal 4: Car, in 5 years.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Ashutosh wants to upgrade to a Maruti Brezza in 5 years but doesn&#8217;t want to take a loan for that &#8211; smart chap.<\/p>\n<p><img loading=\"lazy\" class=\" wp-image-693 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.29-PM-300x292.png\" alt=\"\" width=\"530\" height=\"516\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.29-PM-300x292.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.29-PM.png 638w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Finally_we_summarize_his_goals_and_recommend_investment_options\"><\/span>Finally, we summarize his goals and recommend investment options:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" class=\" wp-image-694 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.42-PM-277x300.png\" alt=\"\" width=\"530\" height=\"574\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.42-PM-277x300.png 277w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.42-PM.png 599w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n<p>We combine all your goals and show you a single investment plan to attain all your goals. Our unified portfolio approach has two distinct advantages:<\/p>\n<p>1. Easy to track &#8211; you only need to track one portfolio. You can choose as many or as few goals as you want to track. Your investments are then intelligently assigned to your goals and you can track their progress as you make newer investments.<\/p>\n<p>2. Lower investment amount &#8211; A single SIP for multiple goals is less than the sum of SIPs needed for each goal. The amount you invest for your near-term goals continues to get invested towards your longer term goals when the near-term goal is achieved. This reduces the overall SIP amount needed to achieve all your goals.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"For_Ashutosh_the_sum_of_individual_SIPs_is_Rs_34200_per_month_But_once_we_use_our_optimized_single_portfolio_approach_the_same_goals_can_be_achieved_with_a_SIP_of_Rs_30400_per_month\"><\/span>For Ashutosh, the sum of individual SIPs is Rs 34,200 per month. But once we use our optimized single portfolio approach, the same goals can be achieved with a SIP of Rs 30,400 per month.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" class=\" wp-image-695 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.54-PM-300x262.png\" alt=\"\" width=\"531\" height=\"464\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.54-PM-300x262.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/Screen-Shot-2017-04-30-at-5.54.54-PM.png 725w\" sizes=\"(max-width: 531px) 100vw, 531px\" \/><\/p>\n<p>Ashutosh had another option. He could start an IMT for Rs 18,700 today and increase the monthly investment amount every year by 10% to achieve the same goals. This way he could start smaller and invest more as his income increases. That&#8217;s smarter. Learn more about IMT <a href=\"http:\/\/blog.kuvera.in\/009-invest-more-tomorrow-sip-a-better-sip-for-you\/\" target=\"_blank\" rel=\"noopener noreferrer\">here.<\/a><\/p>\n<p>Ashutosh chose the SIP route as he was earning enough to be able to put aside Rs 30,400 every month.<\/p>\n<p>And that&#8217;s it! In a few minutes, Ashutosh was able to craft\u00a0an actionable financial plan for himself. With all his current goals planned for and a unified investment amount to save every month, Ashutosh is happy knowing what he needs to save. Further, Ashutosh was able to put this plan into action and start investing in just about\u00a05 minutes.\u00a0You can too!<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.kuvera.in\">kuvera.in<\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Case Study: How does a young 28-year old plan a simple path to retirement, his young ones&#8217; education &amp; a Second honeymoon? Ashutosh is a 28 year old IT professional\u00a0from Pune. He is married with two kids, a 3-month-old boy and a 3-year-old girl. He came to Kuvera seeking financial advice and wanted to plan [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/goal-planning-case-study-1-hum-do-hamare-do\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":695,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[88],"tags":[114,115,11,67],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Goal Planning Case Study: Hum Do Hamare Do - Kuvera<\/title>\n<meta name=\"description\" content=\"In this series we look at actual goal planning case studies of our users. 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