Personal Investment Worksheet

CALCULATE YOUR NET WORTH
As of    (date)
 
ASSETS   LIABILITIES
  RM
Cash Assets:
Cash On Hand
Current/Savings Accounts
Total Cash Assets
   
Fixed Income Assets:
Fixed Deposits
Bonds/Unit Trusts
(Bond Funds)
Others
(e.g. government securities)
Total Fixed Income Assets
   
Equity Assets (Market Value):
Shares
Unit Trusts
Others
(e.g. options, futures,
commodities, etc.)
Total Equity Assets
   
EPF Assets
Current Entire Cash Balances
Total EPF Assets
   
Personal Assets (Resale Value):
Primary Residence
Investment Properties
(land, apartment, etc.)
Total Properties
Car
Life Insurance Cash Value
Other Personal Assets
(e.g. art, jewelry,
antiques, etc.)
Total Personal Assets
   
Illiquid Assets:
Business Interests
Total Illiquid Assets
   
TOTAL ASSETS
   
 
  RM
Short-Term Liabilities:
Credit Card
Overdraft & Lines Of Credit
Car Loans
Other Short-Term Personal Loans
(e.g. student loans,
shares margin, etc.)
Total Short-Term Liabilities
   
Long-Term Liabilities:
Home Mortgage Balance
Other Property Mortgage Balance
Other Long-Term Personal Loans
Total Long-Term Liabilities
   
TOTAL LIABILITIES
   
NET WORTH
(Total Assets - Total
Liabilities)
 
CALCULATE YOUR CASH FLOW
MONTHLY INCOME RM / MONTH
  Net Salary / Wages
  Rental
  Dividend & Interest (stocks and shares, unit trusts)
  Other Income
  Total Income
   
MONTHLY EXPENSES RM / MONTH
  Utilities (water, electricity, telephone & handphone)
  Food
  Clothing & Laundry / Dry Cleaning
  Housing (mortgage, rent, home insurance & taxes)
  Transport (road tax, insurance, fuel, repairs, car finance, etc.)
  Health (insurance, bills)
  Special Savings & Investment (an education plan, a retirement plan or a systematic
    investment plan)
  Recreation & Entertainment
  Miscellaneous (pleasure travel, gifts, hobbies, club, etc.)
  Total Expenses
   
  MONTHLY DISCRETIONARY INCOME (Total Income - Total Expenses)