{"text_format":"1","workbook":"xlsx","n_sheets":3,"sheets":["Retirement","Other goals","variable asset allocation"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":7,"defined_names":293,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Retirement","index":0,"n_rows":28,"n_cols":4,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
["Financial Goal planner with variable asset allocation"]
["Current monthly expenses that will persist in retirement",25000]
["Annual expenses that will persist in retirement",25000]
["Total average monthly expenses (annual/12)",{"$f":"((12*B2)+B3)/12","v":27083.333333333332}]
["Inflation before retirement (%)",8]
["Current age",35]
["Age you wish to retire",60]
["No of years you expect to live!",80]
["Years to retirement",{"$f":"B7-B6","v":25}]
["Monthly expenses in first year of retirement",{"$f":"B4*(1+B5/100)^B9","v":185479.53656427338}]
["Years in retirement",{"$f":"B8-B7","v":20}]
["Inflation during retirement (%)",8]
["Post-tax average return from retirement corpus (%)",8]
["For now set it to a low number"]
["Total Corpus required",{"$f":"PV((1+((B13/100)))/(1+(B12/100))-1,B11,-12*B10,,1)","v":44515088.775425613}]
["Post-tax return (used for current and future investments)"]
["Post-tax return expected from  equity investments %",14]
["Post-rax return expected from current taxable fixed income %",6,"(FD, debt fund etc.)"]
["Rate of return expected from current tax-free fixed income  %",8,"(EPF+PPF+LIC)"]
["Present Value of investments",null,"Future Value"]
["Value of current equity invesments",100000,{"$f":"(B21*(1+B17/100)^Retirement!$B$9)","v":2646191.5812336383}]
["Value of current taxable fixed income investments ",300000,{"$f":"(B22*(1+B18/100)^Retirement!$B$9)","v":1287561.2159230465}]
["Value of current tax-free fixed income  investments ",300000,{"$f":"(B23*(1+B19/100)^Retirement!$B$9)","v":2054542.5588657975}]
["Lump sum benefits expected at retirement",500000,{"$f":"B24","v":500000}]
["Current monthly mandatory EPF contribution (employer+employee)",8000,{"$f":"(12*B25*((1+B27%+0.000001%)^B9-(1+B26%)^B9)/(0.000001%+B27%-B26%))","v":11078786.19704021},"(approx)"]
["Annual increase in this contribution (be realistic) %",5]
["Expected rate of return for EPF or NPS %",8]
["Net Corpus to be accumulated",{"$f":"Retirement!B15-SUM(C21:C25)","v":26948007.222362921}]

{"sheet":"Other goals","index":1,"n_rows":17,"n_cols":36,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
["Enter name of the goal for your reference","Daughters education",null,"Sons education",null,"Daughters marriage",null,"Sons marriage",null,"Goal 5",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"equity investing stops",0,null,0,null,0,null,0,null,0]
["Years to goal (has to be before retirement)*",16,null,12,null,16,null,20,null,22,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"max equity investing years",{"$f":"B2-AB1","v":16},null,{"$f":"D2-AD1","v":12},null,{"$f":"F2-AF1","v":16},null,{"$f":"H2-AH1","v":20},null,{"$f":"J2-AJ1","v":22}]
["Present cost",2500000,null,2500000,null,1000000,null,1000000,null,2000000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* that is less than ",25,null," years"]
["inflation",0.1,null,0.1,null,0.1,null,0.1,null,0.1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B2>=AB3,1,IF(D2>=AB3,1,IF(F2>=AB3,1,IF(H2>=AB3,1,IF(J2>=AB3,1,0)))))","v":0}]
["Post-tax return from equity instruments expected",0.12,null,0.12,null,0.12,null,0.12,null,0.12]
["Return from tax-free fixed income instr. expected",7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2]
["Post-tax return from taxable fixed income expected",7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2]
["Equity allocation",0.6,null,0.6,null,0.6,null,0.6,null,0.6]
[" tax-free fixed income",0.2,null,0.2,null,0.2,null,0.2,null,0.2]
["taxable fixed income",{"$f":"1-B8-B9","v":0.2},null,{"$f":"1-D8-D9","v":0.2},null,{"$f":"1-F8-F9","v":0.2},null,{"$f":"1-H8-H9","v":0.2},null,{"$f":"1-J8-J9","v":0.2}]
["Net rate of return (post-tax)",{"$f":"(B5*B8)+(B6*B9)+(B7*B10)","v":9.9999999999999992E-2},null,{"$f":"(D5*D8)+(D6*D9)+(D7*D10)","v":9.9999999999999992E-2},null,{"$f":"(F5*F8)+(F6*F9)+(F7*F10)","v":9.9999999999999992E-2},null,{"$f":"(H5*H8)+(H6*H9)+(H7*H10)","v":9.9999999999999992E-2},null,{"$f":"(J5*J8)+(J6*J9)+(J7*J10)","v":9.9999999999999992E-2}]
["Amt invested so far in equity instruments",100000,null,100000,null,100000,null,100000,null,100000]
["Amt invested so far in tax free fixed income instr.",100000,null,100000,null,100000,null,100000,null,100000]
["Amt invested so far in taxable fixed income instr.",100000,null,100000,null,100000,null,100000,null,100000]
["Future value of curr. Inv.",{"$f":"B12*(1+B5)^ygoal1+B13*(1+B6)^ygoal1++B14*(1+B7)^ygoal1","v":1203472.1147498703},null,{"$f":"D12*(1+D5)^ygoal2+D13*(1+D6)^ygoal2++D14*(1+D7)^ygoal2","v":840035.91704686254},null,{"$f":"F12*(1+F5)^ygoal3+F13*(1+F6)^ygoal3++F14*(1+F7)^ygoal3","v":1203472.1147498703},null,{"$f":"H12*(1+H5)^ygoal4+H13*(1+H6)^ygoal4++H14*(1+H7)^ygoal4","v":1738566.2018247307},null,{"$f":"J12*(1+J5)^ygoal5+J13*(1+J6)^ygoal5++J14*(1+J7)^ygoal5","v":2096111.3538404948}]
["Future Cost",{"$f":"B3*(1+B4)^AB2-B15","v":10283960.351143181},null,{"$f":"D3*(1+D4)^AD2-D15","v":7006035.0247556437},null,{"$f":"F3*(1+F4)^AF2-F15","v":3391500.8716073511},null,{"$f":"H3*(1+H4)^AH2-H15","v":4988933.7475008778},null,{"$f":"J3*(1+J4)^AJ2-J15","v":14184438.523527483}]
[{"$f":"CONCATENATE(AA3,AB3,AD3)","v":"* that is less than 25 years"}]

{"sheet":"variable asset allocation","index":2,"n_rows":50,"n_cols":22,"rows_kept":50,"cut":false,"hidden":false,"merged":[[0,0,0,3],[16,0,16,3],[5,2,5,3]]}
["Use this sheet if  you wish",null,null,null,null,"Year of investment","Equity allocation","Taxable fixed income","Tax free Fixed income allocation","Return from equity","Post-tax Return from Taxable fixed income","Return from Tax free fixed income","Net portfolio return","Monthly investment required","Year end Corpus value",null,{"$f":"IF(INDEX($T$1:$V$6,MATCH($C$6,$T$1:$T$6,0),3)<0,0,INDEX($T$1:$V$6,MATCH($C$6,$T$1:$T$6,0),3))","v":14184438.523527483},null,null,"Retirement",{"$f":"Retirement!B9","v":25},{"$f":"Retirement!B28","v":26948007.222362921}]
["to change the asset allocation with age",null,null,null,null,1,0.7,0.2,{"$f":"1-G2-H2","v":0.10000000000000003},0.12,7.0000000000000007E-2,0.06,{"$f":"IF(F2=\"\",\"\",(G2*J2)+(H2*K2)+(I2*L2))","v":0.104},7865.1488351892394,{"$f":"N2*12*(1+M2)","v":104197.49176858705},null,{"$f":"COUNT(O2:O60)+1","v":23},null,null,{"$f":"'Other goals'!B1","v":"Daughters education"},{"$f":"ygoal1","v":16},{"$f":"goal1","v":10283960.351143181}]
["Fill green cells and the click",null,null,null,null,{"$f":"IF(F2>=INDEX($T$1:$V$6,MATCH($C$6,$T$1:$T$6,0),2),\"\",F2+1)","v":2},0.7,0.2,{"$f":"1-G3-H3","v":0.10000000000000003},0.12,7.0000000000000007E-2,0.06,{"$f":"IF(F3=\"\",\"\",(G3*J3)+(H3*K3)+(I3*L3))","v":0.104},{"$f":"IF(F3=\"\",\"\",N2*(1+$D$9))","v":8651.6637187081633},{"$f":"IF(F3=\"\",\"\",(12*N3+O2)*(1+M3))","v":229651.27185796588},null,null,null,null,{"$f":"'Other goals'!D1","v":"Sons education"},{"$f":"ygoal2","v":12},{"$f":"goal2","v":7006035.0247556437}]
["the button below",null,null,null,null,{"$f":"IF(F3>=INDEX($T$1:$V$6,MATCH($C$6,$T$1:$T$6,0),2),\"\",F3+1)","v":3},0.7,0.2,0.10000000000000003,0.12,7.0000000000000007E-2,0.06,0.104,9516.8300905789802,379613.96917118476,null,null,null,null,{"$f":"'Other goals'!F1","v":"Daughters marriage"},{"$f":"ygoal3","v":16},{"$f":"goal3","v":3391500.8716073511}]
[null,null,null,null,null,4,0.7,0.2,0.10000000000000003,0.12,7.0000000000000007E-2,0.06,0.104,10468.513099636879,557780.68350897741,null,null,null,null,{"$f":"'Other goals'!H1","v":"Sons marriage"},{"$f":"ygoal4","v":20},{"$f":"goal4","v":4988933.7475008778}]
["Choose Goal",null,"Goal 5",null,null,5,0.7,0.2,0.10000000000000003,0.12,7.0000000000000007E-2,0.06,0.104,11515.364409600568,768345.42229229945,null,null,null,null,{"$f":"'Other goals'!J1","v":"Goal 5"},{"$f":"ygoal5","v":22},{"$f":"goal5","v":14184438.523527483}]
[null,null,null,null,null,6,0.7,0.2,0.10000000000000003,0.12,7.0000000000000007E-2,0.06,0.104,12666.900850560625,1016064.4486789259]
["Annual increase in total monthly investment %",null,null,null,null,7,0.7,0.2,0.10000000000000003,0.12,7.0000000000000007E-2,0.06,0.104,13933.590935616689,1306327.3640565842]
[null,null,null,0.1,null,8,0.7,0.2,0.10000000000000003,0.12,7.0000000000000007E-2,0.06,0.104,15326.950029178359,1645236.8439050238]
[null,null,null,null,null,9,0.7,0.2,0.10000000000000003,0.12,7.0000000000000007E-2,0.06,0.104,16859.645032096196,2039698.0530563567]
[null,null,null,null,null,10,0.7,0.2,0.10000000000000003,0.12,7.0000000000000007E-2,0.06,0.104,18545.609535305815,2497518.8856979497]
[null,null,null,null,null,11,0.6,0.2,0.2,0.1,7.0000000000000007E-2,0.06,8.5999999999999993E-2,20400.1704888364,2978160.5316784894]
[null,null,null,null,null,12,0.6,0.2,0.2,0.1,7.0000000000000007E-2,0.06,8.5999999999999993E-2,22440.187537720041,3526722.8613944072]
[null,null,null,null,null,13,0.6,0.2,0.2,0.1,7.0000000000000007E-2,0.06,8.5999999999999993E-2,24684.206291492046,4151705.6038650512]
[null,null,null,null,null,14,0.6,0.2,0.2,0.1,7.0000000000000007E-2,0.06,8.5999999999999993E-2,27152.626920641254,4862605.3198272428]
[null,null,null,null,null,15,0.6,0.2,0.2,0.1,7.0000000000000007E-2,0.06,8.5999999999999993E-2,29867.889612705381,5670027.7147651622]
["Initial monthly investment required",null,null,null,null,16,0.6,0.2,0.2,0.1,7.0000000000000007E-2,0.06,8.5999999999999993E-2,32854.678573975922,6585812.26941102]
[null,null,null,{"$f":"N2","v":7865.1488351892394},null,17,0.5,0.2,0.3,0.08,7.0000000000000007E-2,0.06,7.2000000000000008E-2,36140.14643137352,7524897.596501803]
["Final Corpus",null,null,{"$f":"MAX(O2:O49)","v":14184438.523527481},null,18,0.5,0.2,0.3,0.08,7.0000000000000007E-2,0.06,7.2000000000000008E-2,39754.161074510877,8578087.7515124418]
[null,null,null,null,null,19,0.5,0.2,0.3,0.08,7.0000000000000007E-2,0.06,7.2000000000000008E-2,43729.577181961969,9758247.350490097]
[null,null,null,null,null,20,0.5,0.2,0.3,0.08,7.0000000000000007E-2,0.06,7.2000000000000008E-2,48102.534900158171,11079632.16868102]
[null,null,null,null,null,21,0.5,0.2,0.3,0.08,7.0000000000000007E-2,0.06,7.2000000000000008E-2,52912.788390173992,12558035.794677254]
[null,null,null,null,null,22,0.4,0.2,0.39999999999999997,0.08,7.0000000000000007E-2,0.06,6.9999999999999993E-2,58204.067229191394,14184438.523527481]
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