Академический Документы
Профессиональный Документы
Культура Документы
Insuran :
Jumlah Loan :
Method/Teknik :
Thn
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
20
25
30
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2032
2037
2042
Awal Tahun
50,000
53,575
57,693
61,954
66,555
71,523
76,887
82,678
88,931
95,681
102,969
110,836
119,329
128,498
138,395
201,009
292,766
427,204
50,000
Rate :
Tenure :
Payment :
Payment :
50,000
0
Purata
50,000
53,575
57,693
61,954
66,555
71,523
76,887
82,678
88,931
95,681
102,969
110,836
119,329
128,498
138,395
201,009
292,766
427,204
% Dividen
7.70%
7.50%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
%
Bonus
1.00%
1.00%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
Dividen
3,529
4,018
4,183
4,492
4,825
5,185
5,574
5,994
6,447
6,937
7,465
8,036
8,651
9,316
10,034
14,573
21,226
30,972
0.00%
Tarikh Mula Labur:
30 Years
0
@
0
per year
Sebenar -/+ 20% dari anggaran
Loan
Bonus
Hasil
Akhir Tahun Balance
Cumulative Pymt
T.kumpul
46 53,575.00
53,575
99 57,692.54
57,693
79 61,953.80
61,954
110
66,554.98
66,555
143
71,523.02
71,523
179
76,887.01
76,887
217
82,678.33
82,678
258
88,930.86
88,931
303
95,681.16
95,681
351 102,968.70
102,969
402 110,836.06
110,836
458 119,329.23
119,329
517 128,497.82
128,498
581 138,395.39
138,395
651 149,079.72
149,080
1,086 216,667.98
216,668
1,719 315,710.23
315,710
2,642 460,818.51
460,819
-
Untung
T.kumpul
2013
Teknik Pilihan
0 - Compounding
1 - Rolling
3,575
7,693
11,954
16,555
21,523
26,887
32,678
38,931
45,681
52,969
60,836
69,329
78,498
88,395
99,080
166,668
265,710
460,819
ROI
7%
15%
24%
33%
43%
54%
65%
78%
91%
106%
122%
139%
157%
177%
198%
333%
531%
822%
Topup
-
ASB
Amount
Takaful
Rate
Tenure
Dividen
Jumlah ASB
50000
0.00%
30
7.25%
Note : Type of Payment = 0 - compounded dividen, 1 - rolling dividen
Pelaburan
Pendapatan
Awal Tahun
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
20
25
30
50,000
53,650
57,591
61,847
66,443
71,405
76,762
82,546
88,791
95,533
102,811
110,644
119,073
128,143
137,905
199,064
287,345
414,778
Akhir Tahun
50,000
53,650
57,591
61,847
66,443
71,405
76,762
82,546
88,791
95,533
102,811
110,644
119,073
128,143
137,905
199,064
287,345
414,778
Purata 1 Thn
50,000
53,650
57,591
61,847
66,443
71,405
76,762
82,546
88,791
95,533
102,811
110,644
119,073
128,143
137,905
199,064
287,345
414,778
Purata 10
Thn
Dividen
Bonus
5,000
3,625
25
10,365
3,890
52
16,124
4,175
81
22,309
4,484
112
28,953
4,817
145
36,094
5,177
180
43,770
5,565
219
52,025
5,985
260
60,904
6,437
305
70,457
6,926
352
75,738
7,454
379
81,437
8,022
407
87,586
8,633
438
94,215
9,290
471
101,361
9,998
507
146,262
14,432
731
211,127
20,833
1,056
304,759
30,071
1,524
Hasil Pelaburan Keseluruhan 30 tahun :
Bonus
0.50%
Type
1
Aset
Jumlah
Pelaburan
53,650
57,591
61,847
66,443
71,405
76,762
82,546
88,791
95,533
102,811
110,644
119,073
128,143
137,905
148,410
214,227
309,234
446,374
446,374
Baki
Pinjaman
-
Pymt
- Rolling Dividen
Perincian Hasil
Hasil
Terminate
53,650
57,591
61,847
66,443
71,405
76,762
82,546
88,791
95,533
102,811
110,644
119,073
128,143
137,905
148,410
214,227
309,234
446,374
Hasil
Principal
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Yearly Pymt
Return On Invesment
Hasil Div
Dikompoun
Untung
Cumulative
3,650
7,591
11,847
16,443
21,405
26,762
32,546
38,791
45,533
52,811
60,644
69,073
78,143
87,905
98,410
164,227
259,234
396,374
Modal Keseluruhan
3,650
7,591
11,847
16,443
21,405
26,762
32,546
38,791
45,533
52,811
60,644
69,073
78,143
87,905
98,410
164,227
259,234
396,374
30 tahun :
ROI
7%
15%
24%
33%
43%
54%
65%
78%
91%
106%
121%
138%
156%
176%
197%
328%
518%
793%
50,000
3,650.00
3,941.46
4,256.00
4,595.48
4,961.88
5,357.32
5,784.11
6,244.72
6,741.87
7,278.41
7,832.51
8,428.86
9,070.69
9,761.47
10,504.91
15,163.43
21,888.18
31,595.24
1
2
3
4
5
6
Baki Min
50,000.00
53,650.00
57,591.45
61,847.45
-
Month
12
12
12
12
0
0
1
2
3
4
5
6
Purata Baki
50,000.00
53,575.00
57,727.06
62,333.34
67,356.65
72,834.10
Topup
-
Baki Min
50,000.00
53,575.00
57,727.06
62,333.34
67,356.65
72,834.10
Total
53,575.00
57,727.06
62,333.34
67,356.65
72,834.10
73,829.45
Month
11
12
12
12
12
2
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
30
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2042
Akhir Tahun
50,000
53,575
57,693
61,954
66,555
71,523
76,887
82,678
88,931
95,681
102,969
110,813
119,255
128,340
138,116
148,637
159,959
172,144
185,257
199,369
214,555
415,414
Avg. Baki
Min. 1
45,833
53,575
57,693
61,954
66,555
71,523
76,887
82,678
88,931
95,681
102,969
110,813
119,255
128,340
138,116
148,637
159,959
172,144
185,257
199,369
214,555
415,414
Avg. Baki
Min. 10
4,583
9,941
15,710
21,905
28,561
35,713
43,402
51,670
60,563
70,131
75,845
81,568
87,725
94,363
101,519
109,231
117,538
126,484
136,117
146,486
157,644
305,226
% Bonus
7.70%
7.50%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
7.25%
1.00%
1.00%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
Dividen
3,529.17
4,018.13
4,182.71
4,491.65
4,825.24
5,185.42
5,574.31
5,994.18
6,447.49
6,936.88
7,465.23
8,033.95
8,645.98
9,304.62
10,013.41
10,776.18
11,597.05
12,480.44
13,431.13
14,454.23
15,555.26
30,117.49
Bonus
45.83
99.41
78.55
109.53
142.80
178.57
217.01
258.35
302.81
350.66
379.22
407.84
438.62
471.82
507.60
546.15
587.69
632.42
680.59
732.43
788.22
1,526.13
50,000
Jumlah
Pelaburan
53,575.00
57,692.54
61,953.80
66,554.98
71,523.02
76,887.01
82,678.33
88,930.86
95,681.16
102,968.70
110,813.15
119,254.94
128,339.54
138,115.98
148,636.99
159,959.32
172,144.06
185,256.92
199,368.64
214,555.30
230,898.78
447,057.34
Modal
Sendiri
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Tarikh Melabur :
Hasil
Dividen
3,575
7,693
11,954
16,555
21,523
26,887
32,678
38,931
45,681
52,969
60,813
69,255
78,340
88,116
98,637
109,959
122,144
135,257
149,369
164,555
180,899
397,057
2013
ROI
Max Lmt
Pelbrn
Baki Boleh
Labur
7.15%
15.39%
23.91%
33.11%
43.05%
53.77%
65.36%
77.86%
91.36%
105.94%
121.63%
138.51%
156.68%
176.23%
197.27%
219.92%
244.29%
270.51%
298.74%
329.11%
361.80%
794.11%
203,575
207,693
211,954
216,555
221,523
226,887
232,678
238,931
245,681
252,969
260,813
269,255
278,340
288,116
298,637
309,959
322,144
335,257
349,369
364,555
380,899
597,057
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
150,000
Personal Loan
Amount
Jumlah PL
Jumlah LASB
Takaful LASB
Jumlah labur ASB
Dividen dan Bonus
Awal Tahun
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
25
30
860,000
860,707
861,699
863,177
865,178
867,740
870,906
874,720
879,233
884,495
890,565
905,772
922,106
939,656
958,520
978,800
1,000,608
1,024,064
1,049,298
1,076,448
1,246,553
1,492,097
60,000
800,000
860,000
7.25%
Pymt
Tahunan
Akhir Tahun
59,887
59,887
59,887
59,887
59,887
59,887
59,887
59,887
59,887
59,887
800,113
800,820
801,812
803,290
805,291
807,854
811,019
814,834
819,346
824,608
51,535
51,535
51,535
51,535
51,535
51,535
51,535
51,535
51,535
51,535
51,535
51,535
839,031
854,237
870,571
888,122
906,985
927,265
949,073
972,529
997,763
1,024,914
1,195,018
1,440,562
Flat
Tenure
3.92%
-
6.98%
5.00%
5.00%
10
30
30
0.50%
Purata Baki
Min. 1 Thn
Purata Baki
Min. 10 Thn
Dividen
830,057
828,269
829,260
830,739
832,739
835,302
838,467
842,282
846,794
852,057
862,651
877,857
894,191
911,742
930,605
950,885
972,693
996,149
1,021,383
1,048,534
1,218,638
1,464,182
83,006
165,833
248,759
331,832
415,106
498,637
582,483
666,711
751,391
836,596
60,179
60,049
60,121
60,229
60,374
60,559
60,789
61,065
61,393
61,774
839,856
844,815
851,308
859,408
869,195
880,753
894,176
909,562
927,021
946,669
1,071,771
1,252,192
62,542
63,645
64,829
66,101
67,469
68,939
70,520
72,221
74,050
76,019
88,351
106,153
Interest
23,520
746,046
769,566
Bonus
Total Pymt
83,520
1,546,046
1,629,566
Baki Tahunan
415
829
1,244
1,659
2,076
2,493
2,912
3,334
3,757
4,183
860,707
861,699
863,177
865,178
867,740
870,906
874,720
879,233
884,495
890,565
4,199
4,224
4,257
4,297
4,346
4,404
4,471
4,548
4,635
4,733
5,359
6,261
905,772
922,106
939,656
958,520
978,800
1,000,608
1,024,064
1,049,298
1,076,448
1,105,666
1,288,728
1,552,976
Monthly Pymt
696.00
4,294.57
4,990.57
Yearly Pymt
8,352.00
51,534.88
59,886.88
788,197
775,790
762,749
749,040
734,630
719,482
703,560
686,823
669,230
650,737
631,297
610,863
589,383
566,805
543,071
518,123
491,899
464,333
435,357
404,898
227,572
-
55,700
51,090
46,147
40,848
35,168
29,078
22,549
15,549
8,045
-
Hasil
Terminate
Topup
16,810
34,819
54,281
75,290
97,943
122,346
148,612
176,860
207,220
239,829
274,475
311,243
350,273
391,715
435,729
482,484
532,165
584,965
641,091
700,767
1,061,155
1,552,976
Takaful
Tenure
30
Dividen
7.25%
Bonus
0.50%
Loan Limit
800,000
Pymt
1,073.64
Yearly
12,884
200,000
214,600
216,973
219,622
222,571
225,840
229,456
233,446
237,838
242,664
247,957
253,655
259,786
266,382
273,480
281,118
289,337
298,183
307,702
317,946
328,970
340,834
353,602
367,342
382,129
474,777
Proxy
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Pymt
Tahunan
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
Pendapatan
Akhir Tahun
Dividen
Aset
Bonus
200,000
14,500
201,716
15,053
204,089
15,225
206,739
15,417
209,687
15,630
212,956
15,867
216,573
16,130
220,562
16,419
224,954
16,737
229,780
17,087
235,074
17,471
240,772
17,884
246,902
18,329
253,498
18,807
260,596
19,321
268,234
19,875
276,454
20,471
285,299
21,112
294,818
21,802
305,062
22,545
316,086
23,344
327,950
24,205
340,718
25,130
354,459
26,126
369,246
27,198
461,893.60
33,915
Hasil Pelaburan Keseluruhan 30
100
204
309
415
523
632
744
857
972
1,090
1,111
1,130
1,152
1,175
1,200
1,228
1,258
1,290
1,325
1,363
1,403
1,447
1,494
1,544
1,599
1,939
tahun :
Jumlah
Loan Amount Baki Pinjaman
Pelaburan
214,600
200,000
197,049
216,973
200,000
193,948
219,622
200,000
190,687
222,571
200,000
187,260
225,840
200,000
183,657
229,456
200,000
179,871
233,446
200,000
175,890
237,838
200,000
171,706
242,664
200,000
167,307
247,957
200,000
162,684
253,655
200,000
157,824
259,786
200,000
152,716
266,382
200,000
147,346
273,480
200,000
141,701
281,118
200,000
135,768
289,337
200,000
129,531
298,183
200,000
122,975
307,702
200,000
116,083
317,946
200,000
108,839
328,970
200,000
101,225
340,834
200,000
93,220
353,602
200,000
84,806
367,342
200,000
75,962
382,129
200,000
66,665
398,043
200,000
56,893
497,748
200,000
497,748
Perincian Hasil
Hasil
Hasil Div
Hasil Principal
Terminate
Dikompoun
17,551
2,951
14,600
23,025
6,052
16,973
28,935
9,313
19,622
35,311
12,740
22,571
42,183
16,343
25,840
49,586
20,129
29,456
57,556
24,110
33,446
66,132
28,294
37,838
75,356
32,693
42,664
85,273
37,316
47,957
95,831
42,176
53,655
107,070
47,284
59,786
119,036
52,654
66,382
131,779
58,299
73,480
145,350
64,232
81,118
159,807
70,469
89,337
175,208
77,025
98,183
191,618
83,917
107,702
209,106
91,161
117,946
227,745
98,775
128,970
247,614
106,780
140,834
268,795
115,194
153,602
291,380
124,038
167,342
315,464
133,335
182,129
341,150
143,107
198,043
497,748
200,000
297,748
Modal Keseluruhan 30 Tahun :
Modal
Cumulative
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
12,884
Untung
Cumulative
4,667
10,141
16,051
22,427
29,299
36,702
44,672
53,248
62,473
72,389
82,947
94,186
106,152
118,895
132,466
146,923
162,324
178,735
196,223
214,862
234,730
255,912
278,496
302,580
328,266
484,864
12,884
ROI
36%
79%
125%
174%
227%
285%
347%
413%
485%
562%
644%
731%
824%
923%
1028%
1140%
1260%
1387%
1523%
1668%
1822%
1986%
2162%
2349%
2548%
3763%
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
30
Umur
Rate
5.00%
TERMINATION
Amount
200,000
METHOD
ASB
Jumlah ASBF
35
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
64
New Takaful
Max Tenure
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
1
Rate
Tenure
Dividen
Bonus
Loan Limit
5.00%
30
7.25%
0.50%
400,000
Pymt
1,074
Yearly
12,884
Method
Proxy
Pendapatan
Pymt Tahunan
Akhir Tahun
Dividen
Aset
Bonus
Jumlah
Pelaburan
Perincian Hasil
Hasil Terminate
Untung
Cumulative
ROI
200,000
12,884
200,000
14,500
100
214,600
200,000
197,049
17,551
4,667
36%
214,600
12,884
201,716
15,053
204
216,973
200,000
193,948
23,025
10,141
79%
216,973
12,884
204,089
15,225
309
219,622
200,000
190,687
28,935
16,052
219,622
12,884
206,739
15,417
415
222,571
200,000
187,260
35,311
22,427
222,571
12,884
209,687
15,630
523
225,840
200,000
183,657
42,183
30
474,777
12,884
461,894
33,915
1,939
497,748
200,000
497,748
497,748
39
26
40
25
125%
41
24
174%
42
23
29,299
227%
43
22
484,864
3763%
68
-3
12,884
30
39
New Takaful
Takaful
Max Tenure
200,000
Semakan Umur
Amount
Jumlah ASBF
Termination
ASB
Akhir Tahun
Dividen
30
Bonus
Jumlah
Pelaburan
7.25%
0.50%
400,000
Hasil Terminate
1,073.64
Untung
Cumulative
12,884
ROI
200,000
12,884
200,000
14,500
100
214,600
200,000
197,049
17,551
4,667
36%
214,600
12,884
201,716
15,053
204
216,973
200,000
193,948
23,025
10,141
79%
216,973
12,884
204,089
15,225
309
219,622
200,000
190,687
28,935
16,052
219,622
12,884
206,739
15,417
415
222,571
200,000
187,260
35,311
22,427
222,571
12,884
209,687
15,630
523
225,840
200,000
183,657
42,183
30
474,777
12,884
497,748
497,748
995,496
200,000
497,748
461,894
33,915
1,939
Hasil Pelaburan Keseluruhan 30 tahun :
37
37
28
38
27
125%
39
26
174%
40
25
29,299
227%
41
24
484,864
12,884
25,767
3763%
66
-1
3763%
30
Takaful
Pymt Tahunan
5.00%
Loan Limit
Proxy
Max Tenure
Awal Tahun
200,000
Method
Jumlah ASBF