📄 *360° Financial Planning – Real Case Insight by Wizzofin* 🧑‍💼 Client Age: 42 | 👨‍👩‍👧‍👦 2 Kids (9 & 6 yrs) | 💰 Income: ₹2L/month | 🏡 Own House | 🎯 Retirement Goal: Age 55 ⸻ 🔍 *Top 3 Financial Risks* 1. ❌ No Life/Health Insurance — family exposed to risk. 2. ⚠️ Long-term assets locked (EPF/PPF) — education goal at risk. 3. 📉 Equity exposure insufficient — needs goal-based growth. ⸻ 🗓️ *3-Year Action Plan* ✅ Year 1 * 📄 Term Insurance: ₹1–2 Cr * 🏥 Health Insurance: ₹20L+ floater * 🎓 Start SIPs for kids’ education * 🧾 Create a Will + update nominees ✅ Year 2 * 💼 Build 6-month Emergency Fund (₹6–8L) * 💹 Begin SIPs for retirement (₹25- 30K/month) * 💸 Tax Optimization (ELSS + NPS) ✅ Year 3 * 🔁 Annual Portfolio Rebalancing * 🎯 Optional: Education Loan for leverage * 📊 Increase SIPs with income growth ⸻ 📊 Portfolio Rebalancing Strategy Asset Current Action Mutual Funds ₹15L Diversify into goal-based SIPs EPF + PPF ₹32L Retain, don’t overcontribute Bank FDs ₹5L Reduce to emergency reserve Real Estate Own No further investment needed ⸻ 🎓 Kids’ Education Portfolio * 🔹 Large-cap & Flexi-cap Mutual Funds * 🔸 Hybrid Funds (5 yrs before goal) * 🛡️ Shift to debt gradually pre-goal ⸻ 🧾 Estate Planning Must-Haves * ✅ Nominations on all assets * 🖊️ Registered Will * 🏦 Optional Trust if needed ⸻ 💼 Wizzofin – Do the Peaceful Investing 📲 Your Partner in 360° Financial Freedom Click and register to learn yours. https://mweb.assetplus.in/web_story?advisorId=67f188a4172f5d90728e1435&id=66d85ac1c04b40002a8df8d8