Justin Pham is a 49-year-old Female who works as a Engineer. They are currently Divorced and live at 40179 Dominguez Groves, West Jasmineland, AZ 03670 in UK. They have 0 dependents: . Their financial goal is Save for House with a target amount of $343731 to be achieved in 102 months. Currently, they earn $113675 per month and have an expenditure of $41621. They have $37224 in savings, $15017 in fixed deposits, $20375 in stocks, $2691 in mutual funds, and $11799 in other investments. Insurance: Auto Insurance with a premium of $9885 and coverage of $390682. No debt. No emergency fund.
Plan for Justin Pham:
1. Income: $113675 per month
2. Emergency Fund: $249726 (adequate for 6 months of expenses).
3. Savings: $37224
4. Debts: $0 () with an interest rate of 0.0%.
5. Insurance: Auto Insurance with coverage of $390682 and a monthly premium of $9885.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $20375
Future Value after 10 years: $50937.5
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $2691
Future Value after 10 years: $5382.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $15017
Future Value after 10 years: $22525.5
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $11799
Future Value after 10 years: $14158.8
Annual Interest Rate: 3.5%

7. Financial Goal: Save for House with a target amount of $343731 to be achieved in 102 months.
8. Net Worth: $343731.0
9. Recommendations:
   - Increase monthly contributions to meet the financial goal.
   - Consider reallocating investments to achieve better returns based on your risk profile.
   - Ensure adequate emergency fund and insurance coverage.