RETIREMENT FUND

Usia sekarang 45 Tahun

Usia ketika Pensiun 55 Tahun
Jumlah Tahun tersisa 10 Tahun
Tahun 2033
Masa Pensiun yang diinginkan 20 Tahun

Biaya selama masa pensiun Bulanan Tahunan

Biaya hidup sekarang 8,000,000.00 96,000,000
Perkiraan biaya pensiun saat ini 100% 8,000,000 96,000,000
Perkiraan Tingkat Inflasi 12%
Perkiraan biaya pensiun nanti (Future Value) 24,846,786 298,161,428
Hypothetical after tax rate of return 6%
on Invested Retirement Fund
Variable ? 2.01 (antara 1.4 - 1.7)
Capital yang harus terbentuk 9,988,407,838

Retirement Fund Interest Income Biaya Pensiun Sisa

1 9,988,407,838 599,304,470 298,161,428 10,289,550,880

2 10,289,550,880 617,373,053 333,940,799 10,572,983,134
3 10,572,983,134 634,378,988 374,013,695 10,833,348,427
4 10,833,348,427 650,000,906 418,895,339 11,064,453,993
5 11,064,453,993 663,867,240 469,162,779 11,259,158,454
6 11,259,158,454 675,549,507 525,462,313 11,409,245,648
7 11,409,245,648 684,554,739 588,517,790 11,505,282,596
8 11,505,282,596 690,316,956 659,139,925 11,536,459,627
9 11,536,459,627 692,187,578 738,236,716 11,490,410,488
10 11,490,410,488 689,424,629 826,825,122 11,353,009,995
11 11,353,009,995 681,180,600 926,044,137 11,108,146,458
12 11,108,146,458 666,488,787 1,037,169,433 10,737,465,812
13 10,737,465,812 644,247,949 1,161,629,765 10,220,083,995
14 10,220,083,995 613,205,040 1,301,025,337 9,532,263,698
15 9,532,263,698 571,935,822 1,457,148,378 8,647,051,142
16 8,647,051,142 518,823,069 1,632,006,183 7,533,868,027
17 7,533,868,027 452,032,082 1,827,846,925 6,158,053,184
18 6,158,053,184 369,483,191 2,047,188,556 4,480,347,819
19 4,480,347,819 268,820,869 2,292,851,183 2,456,317,506
20 2,456,317,506 147,379,050 2,567,993,325 35,703,231

Comprehensive Financial Assasment Page 9 of 10 Retirement Plan

Comprehensive Financial Assasment Page 9 of 10 Retirement Plan
Ilustrasi Kredit Kendaraan Bermotor

Jenis Kendaraan toyota agya

Harga 60,000,000

DP 18,000,000 30%
Hutang 42,000,000 70%
Int. Rate 28.00%
Jangka Waktu 4 Tahun
48 Bulan

Total Terhutang 89,040,000

Cicilan Bulanan 1,855,000

DP Awal 18,000,000
Cicilan 1 1,855,000
Biaya Admin 250,000
Asuransi 4,800,000

Total DP 24,905,000
Ilustrasi KPR
Harga rumah 200,000,000 DP -
DP - 0% Cicilan 1 2,400,336
Hutang 200,000,000 ### Bea 1,000,000
Bunga 12% PA BBN 5,000,000
Waktu 180 Bln Bea Adm 250,000
Cicilan Bulanan 2,400,336 As Jiwa 900,000
As Kebakaran 200,000
Total Bayar 432,060,502 Total DP 9,750,336

Bulan Tanggal Sisa Hutang Cicilan Bunga Cicilan Pokok Jumlah Cicilan
1 8/31/2003 200,000,000 2,000,000 400,336 2,400,336
2 9/30/2003 199,599,664 1,995,997 404,339 2,400,336
3 10/31/2003 199,195,324 1,991,953 408,383 2,400,336
4 11/30/2003 198,786,942 1,987,869 412,467 2,400,336
5 12/31/2003 198,374,475 1,983,745 416,591 2,400,336
6 1/31/2004 197,957,883 1,979,579 420,757 2,400,336
7 2/29/2004 197,537,126 1,975,371 424,965 2,400,336
8 3/31/2004 197,112,161 1,971,122 429,215 2,400,336
9 4/30/2004 196,682,947 1,966,829 433,507 2,400,336
10 5/31/2004 196,249,440 1,962,494 437,842 2,400,336
11 6/30/2004 195,811,598 1,958,116 442,220 2,400,336
12 7/31/2004 195,369,378 1,953,694 446,642 2,400,336
13 8/31/2004 194,922,736 1,949,227 451,109 2,400,336
14 9/30/2004 194,471,627 1,944,716 455,620 2,400,336
15 10/31/2004 194,016,007 1,940,160 460,176 2,400,336
16 11/30/2004 193,555,831 1,935,558 464,778 2,400,336
17 12/31/2004 193,091,053 1,930,911 469,426 2,400,336
18 1/31/2005 192,621,628 1,926,216 474,120 2,400,336
19 2/28/2005 192,147,508 1,921,475 478,861 2,400,336
20 3/31/2005 191,668,647 1,916,686 483,650 2,400,336
21 4/30/2005 191,184,997 1,911,850 488,486 2,400,336
22 5/31/2005 190,696,511 1,906,965 493,371 2,400,336
23 6/30/2005 190,203,140 1,902,031 498,305 2,400,336
24 7/31/2005 189,704,835 1,897,048 503,288 2,400,336
25 8/31/2005 189,201,548 1,892,015 508,321 2,400,336
26 9/30/2005 188,693,227 1,886,932 513,404 2,400,336
27 10/31/2005 188,179,823 1,881,798 518,538 2,400,336
28 11/30/2005 187,661,285 1,876,613 523,723 2,400,336
29 12/31/2005 187,137,562 1,871,376 528,961 2,400,336
30 1/31/2006 186,608,601 1,866,086 534,250 2,400,336
31 2/28/2006 186,074,351 1,860,744 539,593 2,400,336
32 3/31/2006 185,534,759 1,855,348 544,989 2,400,336
33 4/30/2006 184,989,770 1,849,898 550,438 2,400,336
34 5/31/2006 184,439,332 1,844,393 555,943 2,400,336
35 6/30/2006 183,883,389 1,838,834 561,502 2,400,336
36 7/31/2006 183,321,887 1,833,219 567,117 2,400,336
37 8/31/2006 182,754,769 1,827,548 572,788 2,400,336
38 9/30/2006 182,181,981 1,821,820 578,516 2,400,336
39 10/31/2006 181,603,465 1,816,035 584,301 2,400,336
40 11/30/2006 181,019,163 1,810,192 590,144 2,400,336
41 12/31/2006 180,429,019 1,804,290 596,046 2,400,336
42 1/31/2007 179,832,973 1,798,330 602,006 2,400,336
43 2/28/2007 179,230,966 1,792,310 608,026 2,400,336
44 3/31/2007 178,622,940 1,786,229 614,107 2,400,336
45 4/30/2007 178,008,833 1,780,088 620,248 2,400,336
46 5/31/2007 177,388,585 1,773,886 626,450 2,400,336
47 6/30/2007 176,762,135 1,767,621 632,715 2,400,336
48 7/31/2007 176,129,420 1,761,294 639,042 2,400,336
49 8/31/2007 175,490,378 1,754,904 645,432 2,400,336
50 9/30/2007 174,844,946 1,748,449 651,887 2,400,336
51 10/31/2007 174,193,059 1,741,931 658,406 2,400,336
52 11/30/2007 173,534,654 1,735,347 664,990 2,400,336
53 12/31/2007 172,869,664 1,728,697 671,639 2,400,336
54 1/31/2008 172,198,025 1,721,980 678,356 2,400,336
55 2/29/2008 171,519,669 1,715,197 685,139 2,400,336
56 3/31/2008 170,834,530 1,708,345 691,991 2,400,336
57 4/30/2008 170,142,539 1,701,425 698,911 2,400,336
58 5/31/2008 169,443,628 1,694,436 705,900 2,400,336
59 6/30/2008 168,737,728 1,687,377 712,959 2,400,336
60 7/31/2008 168,024,769 1,680,248 720,088 2,400,336
61 8/31/2008 167,304,681 1,673,047 727,289 2,400,336
62 9/30/2008 166,577,392 1,665,774 734,562 2,400,336
63 10/31/2008 165,842,829 1,658,428 741,908 2,400,336
64 11/30/2008 165,100,922 1,651,009 749,327 2,400,336
65 12/31/2008 164,351,595 1,643,516 756,820 2,400,336
66 1/31/2009 163,594,774 1,635,948 764,388 2,400,336
67 2/28/2009 162,830,386 1,628,304 772,032 2,400,336
68 3/31/2009 162,058,354 1,620,584 779,753 2,400,336
69 4/30/2009 161,278,601 1,612,786 787,550 2,400,336
70 5/31/2009 160,491,051 1,604,911 795,426 2,400,336
71 6/30/2009 159,695,626 1,596,956 803,380 2,400,336
72 7/31/2009 158,892,246 1,588,922 811,414 2,400,336
73 8/31/2009 158,080,832 1,580,808 819,528 2,400,336
74 9/30/2009 157,261,304 1,572,613 827,723 2,400,336
75 10/31/2009 156,433,581 1,564,336 836,000 2,400,336
76 11/30/2009 155,597,581 1,555,976 844,360 2,400,336
77 12/31/2009 154,753,220 1,547,532 852,804 2,400,336
78 1/31/2010 153,900,417 1,539,004 861,332 2,400,336
79 2/28/2010 153,039,085 1,530,391 869,945 2,400,336
80 3/31/2010 152,169,139 1,521,691 878,645 2,400,336
81 4/30/2010 151,290,495 1,512,905 887,431 2,400,336
82 5/31/2010 150,403,063 1,504,031 896,305 2,400,336
83 6/30/2010 149,506,758 1,495,068 905,269 2,400,336
84 7/31/2010 148,601,489 1,486,015 914,321 2,400,336
85 8/31/2010 147,687,168 1,476,872 923,464 2,400,336
86 9/30/2010 146,763,704 1,467,637 932,699 2,400,336
87 10/31/2010 145,831,005 1,458,310 942,026 2,400,336
88 11/30/2010 144,888,979 1,448,890 951,446 2,400,336
89 12/31/2010 143,937,532 1,439,375 960,961 2,400,336
90 1/31/2011 142,976,571 1,429,766 970,570 2,400,336
91 2/28/2011 142,006,001 1,420,060 980,276 2,400,336
92 3/31/2011 141,025,725 1,410,257 990,079 2,400,336
93 4/30/2011 140,035,646 1,400,356 999,980 2,400,336
94 5/31/2011 139,035,666 1,390,357 1,009,979 2,400,336
95 6/30/2011 138,025,687 1,380,257 1,020,079 2,400,336
96 7/31/2011 137,005,608 1,370,056 1,030,280 2,400,336
 97 8/31/2011 135,975,328 1,359,753 1,040,583 2,400,336
98 9/30/2011 134,934,745 1,349,347 1,050,989 2,400,336
99 10/31/2011 133,883,756 1,338,838 1,061,499 2,400,336
100 11/30/2011 132,822,257 1,328,223 1,072,114 2,400,336
101 12/31/2011 131,750,144 1,317,501 1,082,835 2,400,336
102 1/31/2012 130,667,309 1,306,673 1,093,663 2,400,336
103 2/29/2012 129,573,646 1,295,736 1,104,600 2,400,336
104 3/31/2012 128,469,047 1,284,690 1,115,646 2,400,336
105 4/30/2012 127,353,401 1,273,534 1,126,802 2,400,336
106 5/31/2012 126,226,599 1,262,266 1,138,070 2,400,336
107 6/30/2012 125,088,529 1,250,885 1,149,451 2,400,336
108 7/31/2012 123,939,078 1,239,391 1,160,945 2,400,336
109 8/31/2012 122,778,132 1,227,781 1,172,555 2,400,336
110 9/30/2012 121,605,578 1,216,056 1,184,280 2,400,336
111 10/31/2012 120,421,297 1,204,213 1,196,123 2,400,336
112 11/30/2012 119,225,174 1,192,252 1,208,084 2,400,336
113 12/31/2012 118,017,090 1,180,171 1,220,165 2,400,336
114 1/31/2013 116,796,925 1,167,969 1,232,367 2,400,336
115 2/28/2013 115,564,558 1,155,646 1,244,691 2,400,336
116 3/31/2013 114,319,867 1,143,199 1,257,137 2,400,336
117 4/30/2013 113,062,730 1,130,627 1,269,709 2,400,336
118 5/31/2013 111,793,021 1,117,930 1,282,406 2,400,336
119 6/30/2013 110,510,615 1,105,106 1,295,230 2,400,336
120 7/31/2013 109,215,385 1,092,154 1,308,182 2,400,336
121 8/31/2013 107,907,203 1,079,072 1,321,264 2,400,336
122 9/30/2013 106,585,939 1,065,859 1,334,477 2,400,336
123 10/31/2013 105,251,462 1,052,515 1,347,822 2,400,336
124 11/30/2013 103,903,640 1,039,036 1,361,300 2,400,336
125 12/31/2013 102,542,341 1,025,423 1,374,913 2,400,336
126 1/31/2014 101,167,428 1,011,674 1,388,662 2,400,336
127 2/28/2014 99,778,766 997,788 1,402,548 2,400,336
128 3/31/2014 98,376,218 983,762 1,416,574 2,400,336
129 4/30/2014 96,959,644 969,596 1,430,740 2,400,336
130 5/31/2014 95,528,904 955,289 1,445,047 2,400,336
131 6/30/2014 94,083,857 940,839 1,459,498 2,400,336
132 7/31/2014 92,624,359 926,244 1,474,093 2,400,336
133 8/31/2014 91,150,267 911,503 1,488,833 2,400,336
134 9/30/2014 89,661,433 896,614 1,503,722 2,400,336
135 10/31/2014 88,157,712 881,577 1,518,759 2,400,336
136 11/30/2014 86,638,952 866,390 1,533,947 2,400,336
137 12/31/2014 85,105,006 851,050 1,549,286 2,400,336
138 1/31/2015 83,555,720 835,557 1,564,779 2,400,336
139 2/28/2015 81,990,941 819,909 1,580,427 2,400,336
140 3/31/2015 80,410,514 804,105 1,596,231 2,400,336
141 4/30/2015 78,814,283 788,143 1,612,193 2,400,336
142 5/31/2015 77,202,090 772,021 1,628,315 2,400,336
143 6/30/2015 75,573,775 755,738 1,644,598 2,400,336
144 7/31/2015 73,929,176 739,292 1,661,044 2,400,336
145 8/31/2015 72,268,132 722,681 1,677,655 2,400,336
146 9/30/2015 70,590,477 705,905 1,694,431 2,400,336
147 10/31/2015 68,896,046 688,960 1,711,376 2,400,336
148 11/30/2015 67,184,670 671,847 1,728,489 2,400,336
149 12/31/2015 65,456,181 654,562 1,745,774 2,400,336
150 1/31/2016 63,710,406 637,104 1,763,232 2,400,336
151 2/29/2016 61,947,174 619,472 1,780,864 2,400,336
152 3/31/2016 60,166,310 601,663 1,798,673 2,400,336
153 4/30/2016 58,367,637 583,676 1,816,660 2,400,336
154 5/31/2016 56,550,977 565,510 1,834,826 2,400,336
155 6/30/2016 54,716,151 547,162 1,853,175 2,400,336
156 7/31/2016 52,862,976 528,630 1,871,706 2,400,336
157 8/31/2016 50,991,270 509,913 1,890,423 2,400,336
158 9/30/2016 49,100,846 491,008 1,909,328 2,400,336
159 10/31/2016 47,191,519 471,915 1,928,421 2,400,336
160 11/30/2016 45,263,098 452,631 1,947,705 2,400,336
161 12/31/2016 43,315,393 433,154 1,967,182 2,400,336
162 1/31/2017 41,348,210 413,482 1,986,854 2,400,336
163 2/28/2017 39,361,356 393,614 2,006,723 2,400,336
164 3/31/2017 37,354,634 373,546 2,026,790 2,400,336
165 4/30/2017 35,327,844 353,278 2,047,058 2,400,336
166 5/31/2017 33,280,786 332,808 2,067,528 2,400,336
167 6/30/2017 31,213,258 312,133 2,088,204 2,400,336
168 7/31/2017 29,125,055 291,251 2,109,086 2,400,336
169 8/31/2017 27,015,969 270,160 2,130,176 2,400,336
170 9/30/2017 24,885,793 248,858 2,151,478 2,400,336
171 10/31/2017 22,734,314 227,343 2,172,993 2,400,336
172 11/30/2017 20,561,321 205,613 2,194,723 2,400,336
173 12/31/2017 18,366,599 183,666 2,216,670 2,400,336
174 1/31/2018 16,149,928 161,499 2,238,837 2,400,336
175 2/28/2018 13,911,092 139,111 2,261,225 2,400,336
176 3/31/2018 11,649,866 116,499 2,283,837 2,400,336
177 4/30/2018 9,366,029 93,660 2,306,676 2,400,336
178 5/31/2018 7,059,353 70,594 2,329,743 2,400,336
179 6/30/2018 4,729,610 47,296 2,353,040 2,400,336
180 7/31/2018 2,376,570 23,766 2,376,570 2,400,336
Target Investment Calculator
Monthly Saving

Tujuan Investasi:

Target Investment 20,000,000

Target Interest Rate 6.0% per tahun
Yearly Increment 0% per tahun
Jangka Waktu 1 Tahun
Investasi Diperlukan 1,613,262 per bulan
Target Investment Calculator
Yearly Saving

Tujuan Investasi:

Target Investment 20,000,000.00

Target Interest Rate 6% per tahun
Yearly Increment 0% per tahun
Jangka Waktu 3 Tahun
Investasi Diperlukan 5,926,600 per tahun
ILLUSTRASI INVESTASI BULANAN

Investasi 500,000 per bulan

Interest Rate 6% per tahun
Increment 0% per tahun
Jangka waktu 10 tahun
Hasil Akhir 82,349,372
Akhir Investasi Total Bunga Hasil Akhir
Tahun ke Tahunan Investasi Roll Over Investasi
1 6,000,000 6,000,000 198,620 6,198,620
2 6,000,000 12,000,000 580,937 12,779,558
3 6,000,000 18,000,000 986,835 19,766,393
4 6,000,000 24,000,000 1,417,768 27,184,161
5 6,000,000 30,000,000 1,875,280 35,059,440
6 6,000,000 36,000,000 2,361,010 43,420,450
7 6,000,000 42,000,000 2,876,698 52,297,148
8 6,000,000 48,000,000 3,424,194 61,721,342
9 6,000,000 54,000,000 4,005,457 71,726,800
10 6,000,000 60,000,000 4,622,572 82,349,372
11 6,000,000 66,000,000 5,277,749 93,627,121
12 6,000,000 72,000,000 5,973,336 105,600,457
13 6,000,000 78,000,000 6,711,825 118,312,282
14 6,000,000 84,000,000 7,495,863 131,808,145
15 6,000,000 90,000,000 8,328,258 146,136,403
16 6,000,000 96,000,000 9,211,994 161,348,397
17 6,000,000 102,000,000 10,150,236 177,498,633
18 6,000,000 108,000,000 11,146,347 194,644,980
19 6,000,000 114,000,000 12,203,897 212,848,877
20 6,000,000 120,000,000 13,326,673 232,175,550
21 6,000,000 126,000,000 14,518,700 252,694,250
22 6,000,000 132,000,000 15,784,248 274,478,498
23 6,000,000 138,000,000 17,127,853 297,606,352
24 6,000,000 144,000,000 18,554,329 322,160,680
25 6,000,000 150,000,000 20,068,786 348,229,466
26 6,000,000 156,000,000 21,676,652 375,906,118
27 6,000,000 162,000,000 23,383,687 405,289,805
28 6,000,000 168,000,000 25,196,008 436,485,813
29 6,000,000 174,000,000 27,120,110 469,605,923
30 6,000,000 180,000,000 29,162,886 504,768,809
31 6,000,000 186,000,000 31,331,656 542,100,465
32 6,000,000 192,000,000 33,634,191 581,734,655
33 6,000,000 198,000,000 36,078,741 623,813,396
34 6,000,000 204,000,000 38,674,065 668,487,461
35 6,000,000 210,000,000 41,429,464 715,916,925
36 6,000,000 216,000,000 44,354,810 766,271,735
37 6,000,000 222,000,000 47,460,584 819,732,319
38 6,000,000 228,000,000 50,757,916 876,490,234
39 6,000,000 234,000,000 54,258,620 936,748,854
40 6,000,000 240,000,000 57,975,240 1,000,724,094
41 6,000,000 246,000,000 61,921,092 1,068,645,186
42 6,000,000 252,000,000 66,110,317 1,140,755,503
43 6,000,000 258,000,000 70,557,923 1,217,313,427
44 6,000,000 264,000,000 75,279,849 1,298,593,275
45 6,000,000 270,000,000 80,293,012 1,384,886,287
46 6,000,000 276,000,000 85,615,376 1,476,501,663
47 6,000,000 282,000,000 91,266,012 1,573,767,675
48 6,000,000 288,000,000 97,265,167 1,677,032,842
49 6,000,000 294,000,000 103,634,336 1,786,667,178
50 6,000,000 300,000,000 110,396,342 1,903,063,520
51 6,000,000 306,000,000 117,575,414 2,026,638,934
52 6,000,000 312,000,000 125,197,275 2,157,836,209
53 6,000,000 318,000,000 133,289,236 2,297,125,445
54 6,000,000 324,000,000 141,880,291 2,445,005,736
55 6,000,000 330,000,000 151,001,224 2,602,006,960
56 6,000,000 336,000,000 160,684,716 2,768,691,676
57 6,000,000 342,000,000 170,965,464 2,945,657,140
58 6,000,000 348,000,000 181,880,307 3,133,537,447
59 6,000,000 354,000,000 193,468,353 3,333,005,800
60 6,000,000 360,000,000 205,771,125 3,544,776,925
Ilustrasi Investasi Tahunan
Investasi 2,800,000 per yr
233,333 per mo
Target Interest Rate 20.0% per yr
Incremental 0% per yr
Jangka Waktu 10 Th
Hasil Akhir 87,221,172
Th Investasi Bunga Hasil Akhir
1 2,800,000 560,000 3,360,000
2 2,800,000 1,232,000 7,392,000
3 2,800,000 2,038,400 12,230,400
4 2,800,000 3,006,080 18,036,480
5 2,800,000 4,167,296 25,003,776
6 2,800,000 5,560,755 33,364,531
7 2,800,000 7,232,906 43,397,437
8 2,800,000 9,239,487 55,436,925
9 2,800,000 11,647,385 69,884,310
10 2,800,000 14,536,862 87,221,172
Tabel Kenaikan Harga Akibat Inflasi
Tingkat Inflasi
Harga Barang saat ini

Tahun ke Harga Barang Tahun Ke

1 103,000,000.00 31
2 106,090,000.00 32
3 109,272,700.00 33
4 112,550,881.00 34
5 115,927,407.43 35
6 119,405,229.65 36
7 122,987,386.54 37
8 126,677,008.14 38
9 130,477,318.38 39
10 134,391,637.93 40
11 138,423,387.07 41
12 142,576,088.68 42
13 146,853,371.35 43
14 151,258,972.49 44
15 155,796,741.66 45
16 160,470,643.91 46
17 165,284,763.23 47
18 170,243,306.12 48
19 175,350,605.31 49
20 180,611,123.47 50
21 186,029,457.17 51
22 191,610,340.89 52
23 197,358,651.11 53
24 203,279,410.65 54
25 209,377,792.97 55
26 215,659,126.75 56
27 222,128,900.56 57
28 228,792,767.57 58
29 235,656,550.60 59
30 242,726,247.12 60
 3.00%
100,000,000.00

Harga Barang

250,008,034.53
257,508,275.57
265,233,523.84
273,190,529.55
281,386,245.44
289,827,832.80
298,522,667.78
307,478,347.82
316,702,698.25
326,203,779.20
335,989,892.58
346,069,589.35
356,451,677.03
367,145,227.34
378,159,584.17
389,504,371.69
401,189,502.84
413,225,187.93
425,621,943.56
438,390,601.87
451,542,319.93
465,088,589.52
479,041,247.21
493,412,484.63
508,214,859.17
523,461,304.94
539,165,144.09
555,340,098.41
572,000,301.36
589,160,310.40
Tabel Penurunan Daya Beli Uang Akibat Inflasi ###

Tingkat Inflasi 0.00% Per Tahun

Tingkat Bunga 20.00% Per Tahun
Present Value 200,000,000
Jangka Waktu 20 Tahun
Future Value 7,667,519,985

Tahun Ke Nilai Uang

1 240,000,000.00 ###
2 288,000,000.00 ###
3 345,600,000.00 ###
4 414,720,000.00 ###
5 497,664,000.00 ###
6 597,196,800.00 ###
7 716,636,160.00 ###
8 859,963,392.00 ###
9 1,031,956,070.40 ###
10 1,238,347,284.48 ###
11 1,486,016,741.38 ###
12 1,783,220,089.65 ###
13 2,139,864,107.58 ###
14 2,567,836,929.10 ###
15 3,081,404,314.92 ###
16 3,697,685,177.90 ###
17 4,437,222,213.48 ###
18 5,324,666,656.18 ###
19 6,389,599,987.41 ###
20 7,667,519,984.89 ###
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Risk Management
Dalam kehidupan setiap orang memiliki faktor resiko. Beberapa resiko dapat berakibat cukup signifikan
terhadap kondisi finansial anda
Berikut adalah program perhitungan sederhana untuk mengetahui berapa jumlah dana yang diperlukan
untuk melindungi anda sekeluarga anda secara finansial apabila terjadi resiko yang tidak diharapkan

Gabungan Bapak Ibu

Perkiraan biaya hidup bulanan 15,000,000 15,000,000 15,000,000

Penghasilan pasangan anda 5,000,000 10,000,000
Pengasilan dari bunga/deviden/pasif income
Penghasilan lainnya
Social Security Benefit
Rasio Persentasi 33.33% 66.67%
Hypothetical after tax rate of return
on Invested Death Benefit 12% 12% 12%
Dana diperlukan sebagai pengganti income 1,250,000,000 833,333,333 416,666,667
Final Expense/Settlement Cost 100,000,000
Mortgage Balance & Outstanding Debt 245,000,000
Estimate Kids Education Needs 588,000,000
Total 2,183,000,000

LIQUID ASSET
Cash 325,000,000
Savings 40,000,000
Other Liquid Asset -
Current Life Insurance Coverage
Total 365,000,000
Insurance Shortage 1,818,000,000 1,212,000,000 606,000,000

Advice untuk Asuransi

Keterangan UP UP
1 Asuransi Jiwa 1,200,000,000 675,000,000
2 ADB (meninggal dunia akibat kecelakaan) 1,200,000,000 675,000,000
3 TPD (cacat tetap) 1,200,000,000 675,000,000
4 Critical Illness (Penyakit Kritis) 600,000,000 350,000,000
5 Hospital Benefit (Room Board + All Included) 600,000
untuk Pak Dummy + Istri dan 2 anak
Premi Tahunan 5,650,000 7,082,000

Comprehensive Financial Assasment Page 6 of 10 Life Insurance