1、JOURNEYMANJOURNEYMANDavid Silvas Personal Financial PlanBackgroundInvestment strategiesRebalance & AdjustmentConclusionAssets LiabilitiesCash $2,000 NONE 0TFSA $5,000RRSP $5,500Savings account $7,0002007 Nissan 370z $25,000Total $44,500 Total 0Currrent Net WorthFuture Income21-25 26-30 31-35 36-40 4
2、1-45 46-50 51-55$65,000 $90,000 $120,000 $160,000 $200,000 $250,000 $350,000+Investment optionsBackgroundInvestment strategiesRebalance & AdjustmentConclusionretirementObjectivesNO TAX FOR YOUR FIRST HOMESaving Goal $25,000Rate of Return Terms of Saving 2 yearsMonthly Saving Down Payment Monthly Sav
3、ing5.91%Risk-free RateFV=25,000 I =5.91%/12 PV=0 N=212PMT= -983.88$984.00retirementObjectivesRaising for familyretirementObjectivesRESP Saving accountYearly Saving 2,902.50 3,483.00Govs contribution 580.50 0.00Total 180,000.00 180,000.00Childrens EducationretirementObjectivesSaving Goal $1,500,000Ra
4、te of Return 5.91% Terms of Saving 38 yearsMonthly Saving $880.00FV=1,5000,000 I =5.91%/12 PV=0 N=3812PMT= -879.88Retirement Plan Monthly SavingDavids personal investment portfoliosAsset mix SINCE 2010Asset mix SINCE 2030Asset mix SINCE 2049Asset mix in 2030Davids personal investment portfoliosAsset
5、 mix in 2049Davids personal investment portfoliosUS Equity CND Equity CND Bond International EquityUS high yield bondCND money market1991 37.65% 11.80% 22.10% 18.50% 43.20% 1992 24.85% 4.15% 9.80% 4.80% 28.90% 1993 18.65% 40.40% 18.10% 28.40% 23.30% 1994 5.65% -14.30% -4.30% 11.90% 4.90% 1995 29.35%
6、 14.20% 20.70% 18.00% 14.10% 1996 20.35% 28.50% 12.30% 14.60% 13.00% 1997 33.50% 11.00% 9.60% 21.30% 17.60% 1998 21.30% -9.75% 9.20% 33.90% 18.00% 1999 14.50% 26.00% -0.10% 18.40% -2.40% 2000 -2.75% 7.35% 10.20% -9.90% -1.90% 2001 1.25% -4.60% 8.10% -11.30% 12.40% 3.60%2002 -22.10% -6.65% 8.70% -20.
7、40% 2.00% 1.70%2003 12.90% 34.70% 6.70% 9.40% 4.70% 2.10%2004 6.25% 14.30% 7.10% 6.90% 3.80% 1.40%2005 2.10% 21.90% 6.50% 7.30% -0.30% 1.80%2006 16.65% 16.95% 4.10% 20.20% 11.50% 3.10%2007 -13.50% 5.90% 3.70% -7.10% -12.90% 3.80%2008 -19.20% -39.80% 6.40% -25.40% -7.70% 2.80%2009 7.70% 55.10% 5.40%
8、11.10% 31.00% 0.20%2010 14.65% 28.05% 6.70% 6.50% 8.50% 0.20%US Equity CND Equity CND Bond International Equity US high yield bond CND money marketInitial Value $1 Time Frame 20 yearsFinal Value $1(1+R1991)(1+R1992)（ 1+R2009)(1+R2010)$5.88 $6.89 $5.00 $3.65 $6.47 $1.23 R(compounded rate of return)In
9、itial value*(1+R)20=Final Value9.26% 10.14% 8.38% 6.69% 9.79% 2.06%Weight(2010-2029) 15.00% 55.00% 8.00% 15.00% 7.00% 0.00%Weighted rate of return9.32%Weight(2030-2049) 14% 42% 24% 14% 6% 0%Weighted rate of return9.09%Weight(2049+) 10% 19% 29% 10% 6% 27%Weighted rate of return7.09%21-MIN 21-MAX 21-E
10、XP 22Gross Pay $ 45,000.00 $ 80,000.00 $ 55,000.00 $ 65,000.00 Total Deductions $ 14,898.00 $ 29,936.00 $ 18,691.00 $ 27,348.00 Net Take Home Income $ 30,102.00 $ 50,064.00 $ 36,309.00 $ 37,652.00 Home Down Payment $ 11,807.00 $ 11,807.00 $ 11,807.00 $ 11,807.00 Total Expenses $ 16,185.00 $ 19,089.0
11、0 $ 17,088.00 $ 17,807.00 Total Expenses $ 4,378.00 $ 7,282.00 $ 5,281.00 $ 6,000.00 Net Remaining $ 25,724.00 $ 42,782.00 $ 31,028.00 $ 31,652.00 Down payment Annual Contribution $ 11,807.00Net Remaining $ 13,917.00 $ 30,975.00 $ 19,221.00 $ 19,845.00 Home Down PaymentYear Beginning BalanceAnnual C
12、ontributionReate of RetunEnding BalanceCurrent $ 5,500.00 $ - 9.09% $ 6,012.60 21 $ 6,012.60 $ 9,900.00 9.09% $ 17,395.65 22 $ 17,395.65 $ 11,700.00 9.09% $ 31,807.37 23 $ 6,807.37 $ 1,141.00 9.09% $ 8,689.16 25,000 in the Ending of Year of 22 (31,807.37 6,807.37)Raising for FamilyYear Beginning Bal
13、ance Annual Contribution Reate of Retun Ending BalanceCurrent $ 5,500.00 $ - 9.09% $ 6,012.60 21 $ 6,012.60 $ 9,900.00 9.09% $ 17,395.65 22 $ 17,395.65 $ 11,700.00 9.09% $ 31,807.37 23 $ 6,807.37 $ 1,141.00 9.09% $ 8,689.16 24 $ 8,689.16 $ 1,141.00 9.09% $ 10,746.33 25 $ 10,746.33 $ 1,141.00 9.09% $
14、 12,995.23 26 $ 12,995.23 $ 5,641.00 9.09% $ 20,373.12 27 $ 20,373.12 $ 5,641.00 9.09% $ 28,438.64 28 $ 28,438.64 $ 5,641.00 9.09% $ 37,255.86 29 $ 37,255.86 $ 5,641.00 9.09% $ 46,894.85 30 $ 46,894.85 $ 5,641.00 9.09% $ 57,311.36 31 $ 57,311.36 $ 11,041.00 9.09% $ 74,565.59 32 $ 74,565.59 $ 11,041.
15、00 9.09% $ 93,388.23 33 $ 50,374.52 $ 11,041.00 9.09% $ 66,998.19 Raising for FamilyBeginning Balance$ 5,500.00 $ 6,012.60 $ 17,395.65 $ 6,807.37 $ 8,689.16 $ 10,746.33 $ 12,995.23 $ 20,373.12 $ 28,438.64 $ 37,255.86 $ 46,894.85 $ 57,311.36 $ 74,565.59 $ 50,374.52 YearCurrent 21 22 23 24 25 26 27 28
16、 29 30 31 32 33 Ending Balance$ 6,012.60 $ 17,395.65 $ 31,807.37 $ 8,689.16 $ 10,746.33 $ 12,995.23 $ 20,373.12 $ 28,438.64 $ 37,255.86 $ 46,894.85 $ 57,311.36 $ 74,565.59 $ 93,388.23 $ 66,998.19 Annual ContributionReate of Retun$ - 9.09% $ 9,900.00 9.09% $ 11,700.00 9.09% $ 1,141.00 9.09% $ 1,141.0
17、0 9.09% $ 1,141.00 9.09% $ 5,641.00 9.09% $ 5,641.00 9.09% $ 5,641.00 9.09% $ 5,641.00 9.09% $ 5,641.00 9.09% $ 11,041.00 9.09% $ 11,041.00 9.09% $ 11,041.00 9.09% Beginning Balance Ending Balance$ 7,000.00 $ 7,586.64 $ 7,586.64 $ 9,414.03 $ 9,414.03 $ 11,444.77 $ 11,444.77 $ 12,935.71 $ 12,935.71 $
18、 14,544.01 $ 14,544.01 $ 16,278.94 $ 16,278.94 $ 18,913.00 $ 18,913.00 $ 21,754.75 $ 21,754.75 $ 24,820.22 $ 24,820.22 $ 28,126.30 $ 28,126.30 $ 31,692.41 $ 31,692.41 $ 36,125.12 $ 36,125.12 $ 40,894.38 $ - $ 2,026.79 Beginning BalanceEnding Balance$ 5,000.00 $ 5,466.00 $ 5,466.00 $ 11,441.43 $ 11,4
19、41.43 $ 17,973.77 $ 17,973.77 $ 25,114.93 $ 25,114.93 $ 32,921.64 $ 32,921.64 $ 41,455.94 $ 41,455.94 $ 50,785.63 $ 50,785.63 $ 60,984.85 $ 60,984.85 $ 72,134.64 $ 72,134.64 $ 84,323.59 $ 84,323.59 $ 97,443.10 $ 97,443.10 $ 111,755.18 $ 111,755.18 $ 127,368.22 $ - $ 5,454.50 Raising for Family31-35
20、36-40 41-45 46-50Gross Pay $ 120,000.00 $ 160,000.00 $ 200,000.00 $ 250,000.00 RESP $ 2,902.00 $ 2,902.00 $ 2,902.00 $ 2,902.00 Total Deductions $ 48,361.00 $ 66,106.00 $ 84,787.00 $ 112,516.00 Net Take Home Income $ 71,639.00 $ 93,894.00 $ 115,213.00 $ 137,484.00 Total Expenses $ 37,010.00 $ 4,341.
21、00 $ 50,188.00 $ 56,925.00 Net Remaning $ 34,629.00 $ 89,553.00 $ 65,025.00 $ 80,559.00 Childrens Education Annual Contribution $2,90231-35 36-40 41-45 46-50Gross Pay $ 120,000.00 $ 160,000.00 $ 200,000.00 $ 250,000.00 RESP $ 2,902.00 $ 2,902.00 $ 2,902.00 $ 2,902.00 Total Deductions $ 51,263.00 $ 6
22、9,008.00 $ 87,689.00 $ 115,418.00 Net Take Home Income $ 68,737.00 $ 90,992.00 $ 112,311.00 $ 134,582.00 Total Expenses $ 37,010.00 $ 4,341.00 $ 50,188.00 $ 56,925.00 Net Remaning $ 31,727.00 $ 86,651.00 $ 62,123.00 $ 77,657.00 Childrens EducationYear Beginning BalanceEnding BalanceTFSA 60 $5,000.00 $525,172.71Saving Account 60 $7,000.00 $324,533.40RRSP 60 $5,500.00 $1,638,128.12Ending Balance of All Accounts
