PERBANDINGAN SIMPAN DI DEPOSITO VS PAA SINGLE PAYMENT

SIMPANAN : 200,000,000
USIA : 40TH ,MEROKOK,PEKERJAAN : TENTARA (RESIKO TINGGI)
NILAI TUNAI DEPOSITO NILAI TUNAI PAA SINGLE PAYMENT
BUNGA 8 % / TH -PAJAK DEPOSITO 20% RUPIAH EQUITY FUND RETURN INVESTASI 15%/TH

TH KE USIA SALDO TH KE USIA SALDO

1 41 212,800,000 1 41 201,800,000
2 42 226,419,000 2 42 214,891,000
3 43 240,910,000 3 43 239,493,000
4 44 256,328,000 4 44 267,437,000
5 45 272,733,000 5 45 299,643,000
6 46 290,188,000 6 46 335,737,000
7 47 308,760,000 7 47 376,799,000
8 48 328,520,000 8 48 423,530,000
9 49 349,546,000 9 49 476,728,000
10 50 371,917,000 10 50 534,282,000
11 51 395,719,000 11 51 598,192,000
12 52 421,045,000 12 52 670,869,000
13 53 447,992,000 13 53 753,531,000
14 54 476,664,000 14 54 847,623,000
15 55 507,171,000 15 55 954,738,000
16 56 539,629,000 16 56 1,075,623,000
17 57 574,166,000 17 57 1,213,381,000
18 58 610,912,000 18 58 1,370,439,000
19 59 650,011,000 19 59 1,549,620,000
20 60 691,612,000 20 60 1,754,213,000
KEUNTUNGAN PROTEKSI KEUNTUNGAN PROTEKSI
WARISAN TIDAK ADA WARISAN (99 TH) 400,000,000
SAKIT KRITIS TIDAK ADA SAKIT KRITIS (65 TH) 150,000,000
CACAT TOTAL TIDAK ADA CACAT TOTAL (65 TH) 300,000,000
KARTU SEHAT TIDAK ADA KARTU SEHAT (75 TH) 215,000,000/TH
SANTUNAN RAWAT INAP TIDAK ADA SANTUNAN SAKIT (65 TH) 960,000 / HARI
KETERANGAN :
Ilustrasi diatas dihitung dengan return investasi
15 % pertahun , return investasi sebenarnya
mengikuti mekanisme pasar
 PERBANDINGAN SIMPAN DI DEPOSITO VS PAA SINGLE PAYMENT
SIMPANAN : 500,000,000
USIA : 40TH ,MEROKOK,PEKERJAAN : TENTARA (RESIKO TINGGI)
NILAI TUNAI DEPOSITO NILAI TUNAI PAA SINGLE PAYMENT
BUNGA 8 % / TH -PAJAK DEPOSITO 20% RUPIAH EQUITY FUND RETURN INVESTASI 15%/TH

TH KE USIA SALDO TH KE USIA SALDO

1 41 532,000,000 1 41 502,550,000
2 42 566,048,000 2 42 539,108,000
3 43 602,275,000 3 43 601,484,000
4 44 640,820,000 4 44 672,199,000
5 45 681,833,000 5 45 753,536,000
6 46 725,470,000 6 46 844,608,000
7 47 771,900,000 7 47 948,029,000
8 48 821,302,000 8 48 1,065,526,000
9 49 873,865,000 9 49 1,199,061,000
10 50 929,793,000 10 50 1,343,303,000
11 51 989,299,000 11 51 1,504,438,000
12 52 1,052,614,000 12 52 1,687,367,000
13 53 1,119,982,000 13 53 1,895,080,000
14 54 1,191,661,000 14 54 2,131,115,000
15 55 1,267,000,000 15 55 2,399,294,000
16 56 1,349,074,000 16 56 2,701,551,000
17 57 1,435,415,000 17 57 3,045,432,000
18 58 1,527,282,000 18 58 3,436,888,000
19 59 1,625,028,000 19 59 3,882,859,000
20 60 1,729,030,000 20 60 4,391,470,000
KEUNTUNGAN PROTEKSI KEUNTUNGAN PROTEKSI
WARISAN TIDAK ADA WARISAN (99 TH) 1,000,000,000
SAKIT KRITIS TIDAK ADA SAKIT KRITIS (65 TH) 500,000,000
CACAT TOTAL TIDAK ADA CACAT TOTAL (65 TH) 940,000,000
KARTU SEHAT TIDAK ADA KARTU SEHAT (75 TH) 430,000,000/TH
SANTUNAN RAWAT INAP TIDAK ADA SANTUNAN SAKIT (65 TH) 1,000,000 /HR
KETERANGAN :
Ilustrasi diatas dihitung dengan return investasi
15 % pertahun , return investasi sebenarnya
mengikuti mekanisme pasar
 PERBANDINGAN SIMPAN DI DEPOSITO VS PAA SINGLE PAYMENT
SIMPANAN : 1,000,000,000
USIA : 40TH ,MEROKOK,PEKERJAAN : TENTARA (RESIKO TINGGI)
NILAI TUNAI DEPOSITO NILAI TUNAI PAA SINGLE PAYMENT
BUNGA 8 % / TH -PAJAK DEPOSITO 20% RUPIAH EQUITY FUND RETURN INVESTASI 15%/TH

TH KE USIA SALDO TH KE USIA SALDO

1 41 1,064,000,000 1 41 1,005,100,000
2 42 1,132,000,000 2 42 1,080,307,000
3 43 1,204,550,000 3 43 1,206,159,000
4 44 1,281,641,000 4 44 1,348,824,000
5 45 1,363,666,000 5 45 1,512,889,000
6 46 1,450,941,000 6 46 1,696,604,000
7 47 1,543,801,000 7 47 1,905,217,000
8 48 1,642,604,000 8 48 2,142,208,000
9 49 1,747,731,000 9 49 2,411,528,000
10 50 1,859,586,000 10 50 2,702,549,000
11 51 1,978,599,000 11 51 3,028,481,000
12 52 2,105,229,000 12 52 3,398,480,000
13 53 2,239,964,000 13 53 3,818,585,000
14 54 2,383,322,000 14 54 4,295,955,000
15 55 2,535,855,000 15 55 4,838,333,000
16 56 2,698,149,000 16 56 5,449,691,000
17 57 2,870,831,000 17 57 6,145,226,000
18 58 3,054,564,000 18 58 6,936,965,000
19 59 3,250,056,000 19 59 7,838,940,000
20 60 3,458,060,000 20 60 8,867,572,000
KEUNTUNGAN PROTEKSI KEUNTUNGAN PROTEKSI
WARISAN TIDAK ADA WARISAN (99 TH) 2,068,000,000
SAKIT KRITIS TIDAK ADA SAKIT KRITIS (65 TH) 1,000,000,000
CACAT TOTAL TIDAK ADA CACAT TOTAL (65 TH) 2,000,000,000
KARTU SEHAT TIDAK ADA KARTU SEHAT (75 TH) 1,000,000,000/TH
SANTUNAN RAWAT INAP TIDAK ADA SANTUNAN SAKIT (65 TH) 1,000,000,/HR
KETERANGAN :
Ilustrasi diatas dihitung dengan return investasi
15 % pertahun , return investasi sebenarnya
mengikuti mekanisme pasar
 DEPOSITO PAA
BANK SINGLE
PAYMENT

KEUTUNGAN PROTEKSI KEUTUNGAN PROTEKSI

WARISAN : WARISAN :
SAKIT KRITIS : SAKIT KRITIS :
CACAT TETAP TOTAL : CACAT TETAP TOTAL :
KARTU SEHAT : KARTU SEHAT :
SATUNAN RANAP : SATUNAN RANAP :