MFD Central — Comprehensive Financial Planner

Risk Profiling · Financial Planning · Fund Recommendations
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Risk
2
Personal
3
Net Worth
4
Income
5
Cash Flow
6
Goals
7
Invest
8
Summary
9
Funds
Your Risk Profile: | Score: /55
Step 1: Investment Risk Profile Questionnaire

Answer all 11 questions honestly to get the most accurate assessment of your risk profile.

1) What is the preferred time horizon of investments?

2) What is the financial consequence of under achieving the required corpus at the end by 20%?

3) Are you able to achieve existing short term goals with your existing investments or savings?

4) Do you have the requirement of withdrawing corpus of more than 5% per year to maintain your standard of living?

5) Do you have Life insurance, Health insurance, and Emergency fund that will take care of 6 Months - 1 Year Living Expenses?

6) Do you have any secondary income or net worth that can take care of financial obligations in case of loss of primary income?

7) How would you feel if your corpus declines by 15% in value because of volatility in market?

8) What extent of risk you would like to take to achieve desired returns on investments?

9) Do you have any past experience with stocks, mutual funds and stock market?

10) What is the information source you find credible and mostly rely on?

11) Would you agree to the statement "Stock market is volatile and risky for short term but stable for long term"?

Step 2: Personal Information
Step 3: Assets & Liabilities (Net Worth Statement)

Capture what you own and what you owe. Liquid and Growth/Investment assets are automatically treated as your existing corpus in Step 7 (Investment Projections).

Liquid Total: ₹0
Growth / Investment Total: ₹0
Personal Use Total: ₹0
Total Liabilities: ₹0

Net Worth Summary

Total Assets
₹0
Total Liabilities
₹0
Net Worth
₹0
Investment Assets (Liquid + Growth): ₹0 — automatically linked as existing corpus in Step 7.
Step 4: Incomes, Expenses & Loans
Step 5: Year-wise Cash Flow Projection
Step 6: Financial Goals

Retirement Planning (Mandatory)

Investments Linked to Retirement

EPF Details

NPS Details

Other Financial Goals

Insurance Calculation Parameters

These values are used to calculate HLV and Need-Based life insurance requirements in the Summary.

Rate used to discount future cash flows to present value
% of household expenses family needs if primary earner is lost

Current Insurance Coverage (Existing Policies)

Enter the sum assured of your existing covers. Shortfalls will be flagged in the Summary.

Estate Planning Checklist

Mark the items already in place. Pending items will be highlighted in the Summary with guidance on next steps.

Step 7: Investment Planning & Projections
Must be greater than retirement age
Step 8: Summary & Key Findings
Executive Summary One-glance overview of your financial plan
Net Worth
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Health Score
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Plan Feasibility
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Insurance Status
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Emergency Fund
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Estate Planning
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Top Action Items
    Financial Health Scorecard
    Score: -- / 12
    Green = healthy, Amber = borderline, Red = attention needed. Based on Year 1 cash flow and Step 3 Net Worth.
    Emergency Fund Assessment

    Target (6 months expenses):
    ₹0
    Current Liquid Assets:
    ₹0
    Shortfall / Surplus:
    ₹0
    Insurance Adequacy Analysis

    Debt Management Insights

    Estate Planning Status

    Key Financial Findings

    Recommended Insurance Coverage:
      1. Human Life Value (HLV):
      2. Need-Based (DIME — Expenses + Loans + Education):
    Discount rate: 9% p.a. · Need-Based covers 75% of living expenses, plus outstanding long-term loans (Home/Car/Personal/Education) and present value of education-labelled goals. Need-Based is the preferred benchmark — HLV is shown for reference as it uses income and often over-insures.

    Required Retirement Corpus (at retirement):
    (Estimated corpus required at the start of retirement to fund expenses till age 90)

    Overall Corpus Status (at Age 90):
    Step 9: Goal-wise Fund Category Recommendations

    Based on your risk profile and each goal's time horizon, here are the recommended mutual fund categories for your goals.

    Goal-wise Fund Category Recommendations

    Fund Category Master Reference

    Important Disclaimer: The information provided is for general informational and educational purposes only and does not constitute financial advice. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Always consult with a SEBI-Registered Investment Adviser for personalized advice.