Patrick Golden is a 27-year-old Male who works as a Engineer. They are currently Single and live at 014 Miller Mount Suite 571, East Elizabeth, ND 27470 in UK. They have 1 dependents: Shannon (Age: 10, Gender: Male). Their financial goal is Retirement with a target amount of $132471 to be achieved in 45 months. Currently, they earn $93569 per month and have an expenditure of $43321. They have $19188 in savings, $13362 in fixed deposits, $7494 in stocks, $22366 in mutual funds, and $2452 in other investments. Insurance: Health Insurance with a premium of $8202 and coverage of $97760. Debt: Yes, Amount: $4045, Type: Mortgage, Interest Rate: 4.927818204041618%. Loan Start Date: 2018-02-25, Loan End Date: 2033-04-06. No emergency fund.
Plan for Patrick Golden:
1. Income: $93569 per month
2. Emergency Fund: $259926 (adequate for 6 months of expenses).
3. Savings: $19188
4. Debts: $4045 (Mortgage) with an interest rate of 4.927818204041618%.
5. Insurance: Health Insurance with coverage of $97760 and a monthly premium of $8202.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $7494
Future Value after 10 years: $18735.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $22366
Future Value after 10 years: $44732.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $13362
Future Value after 10 years: $20043.0
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $2452
Future Value after 10 years: $2942.4
Annual Interest Rate: 3.5%

7. Financial Goal: Retirement with a target amount of $132471 to be achieved in 45 months.
8. Net Worth: $128426.0
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.