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SGB Analyzer

Free

SGB Goal-Based Investment Planner

Align your SGB investments with life goals

SpreadsheetExcel / Google SheetsFree

Plan SGB investments aligned with financial goals

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**Plan SGBs for Your Life Goals**

This planner helps you align SGB investments with specific financial goals: - Child's education (10-15 years away) - Child's wedding (10-20 years away) - Retirement corpus (15-25 years away) - House down payment (5-10 years away)

**Why SGBs for goal planning?** - Known maturity dates align with goal timelines - Government-backed safety for important goals - Tax-free maturity maximizes goal corpus

Features Included

Goal definition wizard
Timeline matching with SGB maturities
Required investment calculator
Progress tracking
Multiple goal management
What-if scenarios
Milestone alerts
Goal achievement projections

How to Use This Template

1

Define your financial goals and timelines

2

Estimate target amounts needed

3

Match goals with suitable SGB maturities

4

Calculate monthly investment needed

5

Track progress regularly

**Disclaimer:** This template/tool is provided for educational and informational purposes only. It is NOT a substitute for professional financial advice. Results and calculations are estimates and may not reflect actual outcomes. Please consult a qualified financial advisor before making investment decisions. We are not responsible for any losses incurred from using this template.

Calculate Your SGB Returns

Use our calculator to estimate your potential returns based on investment amount and holding period.

Frequently Asked Questions

SGBs work best for goals 5+ years away due to the lock-in period. Ideal for long-term goals like retirement, children's education/wedding, or large purchases.
You can sell SGBs on exchange before maturity (losing tax-free benefit) or choose SGB series maturing close to your goal date.
No, SGBs should be part of a diversified goal-based portfolio. Combine with equity and debt based on goal timeline and risk tolerance.

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