Financial Goals
2 active goals · 1 completed
Retirement Corpus
Target: December 2038 (12.7 years away)
Projection
At 12% returns
₹8,42,00,000
Exceeds target by ₹42,00,000
Confidence
78%
Based on historical return variance
If markets return only 8%: ₹6,15,00,000 (shortfall of ₹1,85,00,000)
To guarantee target at 8% return: increase SIP to ₹1,62,000/month
Linked Holdings
Ananya's Education (MBBS)
Target: August 2028 (2.4 years away)
Projection
At 14% returns
₹52,80,000
Exceeds target by ₹4,80,000
Surplus
₹4,80,000
RM Priya suggests: redirect ₹15,000/month to retirement corpus
Education inflation adjustment: target may increase to ₹52,00,000 by 2028
Linked Holdings
Ananya's MBBS 2nd year. Fees cycle: August annually.
Emergency Fund
Completed January 2026
Covers 8.3 months of expenses at ₹3,00,000/month
Vacation Home (Goa)
Discussed in annual review — Rajiv mentioned exploring Goa properties in 2027
Recommended: start ₹50,000/month SIP in balanced fund from July 2026
At 10% returns: target achievable by March 2029
RM Note
Rajiv wants to discuss this after Ananya's admission is confirmed
Goal Summary
| Goal | Target | Current | Gap | Monthly SIP | On Track? |
|---|---|---|---|---|---|
| Retirement | ₹8.00 Cr | ₹1.90 Cr | ₹6.10 Cr | ₹1,25,000 | Yes |
| Education | ₹48.00 L | ₹12.15 L | ₹35.85 L | ₹35,000 | Ahead |
| Emergency | ₹25.00 L | ₹25.00 L | — | — | Done |
| Vacation | ₹1.50 Cr | ₹0 | ₹1.50 Cr | Not started | — |
Based on your current SIP allocation and goal priorities, consider:
Redirect ₹15,000/month from education (surplus) to retirement (larger gap)
Start vacation home SIP at ₹50,000/month after Ananya's 3rd year admission confirmed
Keep emergency fund in current liquid allocation — no rebalancing needed
These recommendations are generated from your goal data and RM context. Discuss with Priya.