S3 INVESTMENTS

3 ESSENTIAL CALCULATORS AND STATEMENTS

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Every business, every company has three critical statements, its BALANCE SHEET, its INCOME STATEMENT and finally its CASHFLOW STATEMENT, which the business maintain rigorously and publishes quarterly in the case of public companies.

These 3 statements can tell us everything we needs to know about the business and its financial health. But we, as individuals rarely prepare or keep a tap on these and therefore lack awareness of our own financial health, and for those that do, they do it so close to their “retirement”, that these statements include negative surprises for them, leading many to postpone their retirement.

Well, in order to “retire” referring to leaving one’s employment or closing and selling one’s business(es) for good, we need a positive cashflow to sustain our lifestyle and a lifetime income source which comes from investing in the markets and the world around us. Investing is the essential means towards that financial freedom and independence.

1. To know what to invest in and how much (portfolio allocation), we need to know how much we have which comes from our balance sheet (by taking stock of our assets and liabilities).

2. To know what lifetime income we require, we need to know our expenses based on our lifestyle which comes from our income statement.

3. Finally, bringing the two together, we can make decisions about investing what we have (1) to generate the income (2) we require for our lifestyle. We do this with cashflow statement (for the past year) and cashflow projections (for the future).

Here are the three calculators you can use to keep track of your financial health, by understanding your EXPENSES and CURRENT NET WORTH, and linking the two through your ESSENTIAL INVESTMENT PORTFOLIO in your CASHFLOW PROJECTION.

Cashflow Projection Calculator (Future Expenses vs Investment Allocation, Growth and Income)

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Projected Monthly Expenses
	If you do not have an idea of your monthly expenses, you can calculate them here.
Annual Inflation	-20-19-18-17-16-15-14-13-12-11-10-9-8-7-6-5-4-3-2-10123456789101112131415161718192021222324252627282930
Investment Portfolio Size
	If you do not have an idea of your investment portfolio size, you can calculate your net worth here. Your portfolio size will be all or part of your net worth available for you to invest in the markets, since some of your net worth could be tied up in properties and businesses.
Equities – Projected Annualised Growth (%)
Dividend and Interest Income – Projected Annualised (%)
Portfolio allocation and distribution
Cash (%)
Bonds (fixed income) (%)
Dividend Equities (%)
Equities (Growth) (%)
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Age

Year

Annual Expenses

Dividend/Interest Income

Annual Equities Growth

Investment Portfolio

Growth Equities

Dividend Equities

Bonds

Cash

IMPORTANT DISCLAIMER: The calculators on this website are being provided for educational purposes only. The results are estimates based on information you provide and may not reflect actual results. The results of the calculations are not a promise or guarantee of anything. S3 INVESTMENTS is not responsible for the content, results, or accuracy of the information on the calculators. The calculations are hypothetical examples designed to illustrate the respective financials including your expenses, net worth, cashflow and investments. The examples are not representative of any investment class or specific security. Actual returns and principal values will vary.