STATUS OF FINANCES AS ON 3rd SEPTEMBER 2009.

Glodyne dividend of Rs. 101000 recd.

After 1:1 bonus, I now have 48478 shares of Glodyne worth 365 each

215 more shares of Glodyne purchased from dividend money.

Now I should start planning to purchase the articles in my aspiration list ( one item per month) using my credit card and then selling the required no. of glodyne shares at the appropriate moment. I can stat off by buying a laptop. I can follow the sequence given below :

1. Laptop

2. Mobile

3. Airconditioner.

4.A new LCD monitor for my PC.

5.LED/LCD TV.

6.Car.

Total cost should come to around 10 lakhs.

I need around 10 lakhs to shore up my monthly income.

I need around 20 lakhs to build the house.

So I need 40 lakhs . I have 8693 shares of Glodyne which can be sold off at around 500 to achieve my objective.

I have to proceed in a calm and calculated manner.

ASPIRATIONS

A new car ( hybrid model)

Car a/c and car audio system.

A new computer along with monitor and printer, scanner etc.

A laptop.

A new mobile with a bigger screen

Broadband internet access

LED TV

An airconditioner

A photo printer.

SOURCE OF FUNDS

SELL 5000 GLODYNE@1000 FOR GENERAL PURPOSE FUND OF 50 LAKHS. ( 2010)

SELL 5000 GLODYNE@2000 FOR EDUCATION FUND OF 1 CRORE ( 2012-2015)

SELL 2000 GLODYNE@10000 FOR WEDDING FUND OF 2 CRORES. ( 2020-2025)

SELL 1000 GLODYNE@20000 FOR RETIREMENT FUND OF 2 CRORES.(2026)

BALANCE 11230 SHARES OF GLODYNE WILL BE MY PORTFOLIO.

TARGETS AS ON 28/7/2009.

To successively double Rs. 10 lakhs , 20 times, into Rs. 1 lakh crores, in 30 years till 2040 AD.

Collect a general purpose fund of Rs. 50 lakhs, by 2010.

Collect an education fund of Rs. 1 crores by 2014 .

Collect a wedding fund of Rs. 2 crores by 2020 .

Collect a retirement fund of Rs. 2 crores by 2026 .

COMPONENTS OF WELL-BEING

Monthly cash flow

My tisco salary, kavita's salary, interest income plus dividend income provides sufficient cash flow to take care of my monthly expenses.

Cash reserve to tide over emergencies

The OD facility against the NSC's provides a cash cushion for any emergencies.

Sufficient investments to take care of future needs

5000 shares of Glodyne should be sufficient to finance the education and marriage of Anisha.

5000 shares of Glodyne should suffice for Raashi's education and wedding.

A house as per your need

4200 shares of Glodyne should be enough to finance the building of my house.

Sufficient investments to take care or retirement.

That leaves me with my fixed income investments and 10000 shares of Glodyne and 250 shares of SBBJ to take care of my retirement expenses.

OVER THE NEXT FIVE YEARS :

50 lakhs to be withdrawn from the stockmarket for building the house and financing my other aspirational needs.

2 crores to be withdrawn and kept in safe, fixed income avenues to take care of the education and wedding expenses of Raashi and Anisha.

This entire analysis does not take into consideration the hereditary benefits which might accrue to us from our parents. 

ASPIRATIONS

A new car 

A new computer along with monitor and printer, scanner etc.

A new mobile with a bigger screen

Broadband internet access

LED TV

An airconditioner

A good DVD player.

A photo printer. 

ASPIRATIONS

A new computer, along with monitor and printer.

LED tv .

One airconditioner.