Last Updated on October 1, 2023 at 5:42 pm
This is an updated demo of the freefincal robo advisory template. I walk you through the template’s capabilities and how you can create a complete start to finish financial plan with it.
As of 29th June 2021, 567 investors and financial advisors are using the template. The template was recently featured in the Economic Times: Meet Pattabiraman, the man who helps many plan a better retirement through his calculators.
Get the freefincal robo advisory software template to plan from start to finish for retirement (early, normal, before and after), non-recurring financial goals (child education) and recurring financial goals (Holiday, appliances etc.).
The template would help anyone from ages 18 to 80 to plan for their retirement, six other non-recurring financial goals and four other recurring financial goals with a detailed cash flow summary.
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Presentation: Excel file with macros. It will work on Mac Excel and Windows Excel. All inputs are fully customisable. It can be used for commercial use as well. Screenshots of the tool are shown below. The video explains each screenshot.
Step 1: Age of the user
For ages 18 to 25, a simple solution is provided with no further inputs. Older users will be asked if they are married or not and directed to the next sheet.
Step 2 Retirement Inputs
You can enter details relevant to creating your retirement plan here
You can include up to three post-retirement income streams
Step 3 Retirement Planning
This sheet tells you the investment strategy to be adopted before retirement (and up to retirement) with clear asset allocation break up and investment portfolio management suggestions.
If you are retired, you can obtain an opinion about the health of your retirement corpus.
And a detailed retirement bucket investment strategy in case the corpus is good enough.
You can play this simulation game to understand how the bucket strategy works: The Retirement Bucket Strategy Simulator.
Step Four A: Non-recurring Goals
You can get a complete investment strategy for one-time goals like your children’s education, a business etc.
Step Four B: Recurring Goals
You can also plan for recurring goals like a holiday every other year or a new car or iPhone every few years.
Step 5: Suggested Product Categories + “PlumbLine.”
Investment suggestions for financial goals are listed here. Also, PlumbLine offers a set of mutual funds to invest in.
Step 6A: Independent portfolio vs Unified portfolio
The cash flow for two different portfolio models is available. You can see the video for more details.
This is a screenshot of step 6A.
Step 6B: Cash Flow
Independent portfolio
Unified portfolio
Get the Robo Advisory Template.
The template is an Excel file with macros. It will work on Mac Excel and Windows Excel. All inputs are fully customisable. It can be used for commercial purposes as well. As of June 29th 2021, 567 investors and financial advisors are using it. Users will get all future updates as well.
Get the robo template by paying Rs. 5160 (Instant Download. No refunds allowed). For support write to freefincal [AT] Gmail [DOT] com.
Outside India? Then use this Paypal link to pay USD 80 (Kindly write to freefincal [AT] Gmail [DOT] com after you pay).
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Dr M. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. He has over ten years of experience publishing news analysis, research and financial product development. Connect with him via Twitter(X), Linkedin, or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation promoting unbiased, commission-free investment advice.Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! ⇐ More than 3,000 investors and advisors are part of our exclusive community! Get clarity on how to plan for your goals and achieve the necessary corpus no matter the market condition is!! Watch the first lecture for free! One-time payment! No recurring fees! Life-long access to videos! Reduce fear, uncertainty and doubt while investing! Learn how to plan for your goals before and after retirement with confidence.
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