Nota: Isi Maklumat Dipetak Putih Sahaja

Pelaburan Awal 150,000 Rate 5.05% Method/Teknik Bayaran :

Insuran - Loan Tenure 20 Years
Jumlah Loan 150,000 Payment : 994.08 Anggaran @ 11,929
Bulan Mula Labur: 12 Payment : Sebenar -/+ 20% dari anggaran
Tahun Mula Labur: 2016 Klik Delete Dalam Petak Utk Kosongkan Maklumat / Jang

Jumlah Loan
Pelaburan % Dividen % Dividen Bonus Pelaburan Balance
Awal Bonus

1 2017 150,000 7.00% 0.00% 10,500 - 160,500 145,544

2 2018 160,500 7.00% 0.00% 11,235 - 171,735 140,857
3 2019 171,735 7.00% 0.00% 12,021 - 183,756 135,929
4 2020 183,756 7.00% 0.00% 12,863 - 196,619 130,745
5 2021 196,619 7.00% 0.00% 13,763 - 210,383 125,294
6 2022 210,383 7.00% 0.00% 14,727 - 225,110 119,561
7 2023 225,110 7.00% 0.00% 15,758 - 240,867 113,531
8 2024 240,867 7.00% 0.00% 16,861 - 257,728 107,190
9 2025 257,728 7.00% 0.00% 18,041 - 275,769 100,521
10 2026 275,769 7.00% 0.00% 19,304 - 295,073 93,508
11 2027 295,073 7.00% 0.00% 20,655 - 315,728 86,132
12 2028 315,728 7.00% 0.00% 22,101 - 337,829 78,374
13 2029 337,829 7.00% 0.00% 23,648 - 361,477 70,216
14 2030 361,477 7.00% 0.00% 25,303 - 386,780 61,636
15 2031 386,780 7.00% 0.00% 27,075 - 413,855 52,613
16 2032 413,855 7.00% 0.00% 28,970 - 442,825 43,123
17 2033 442,825 7.00% 0.00% 30,998 - 473,822 33,143
18 2034 473,822 7.00% 0.00% 33,168 - 506,990 22,647
19 2035 506,990 7.00% 0.00% 35,489 - 542,479 11,609
20 2036 542,479 7.00% 0.00% 37,974 - 580,453 -
21 2037 580,453 7.00% 0.00% 40,632 - 621,084 -
22 2038 621,084 7.00% 0.00% 43,476 - 664,560 -
23 2039 664,560 7.00% 0.00% 46,519 - 711,080 -
24 2040 711,080 7.00% 0.00% 49,776 - 760,855 -
25 2041 760,855 7.00% 0.00% 53,260 - 814,115 -
26 2042 814,115 7.00% 0.00% 56,988 - 871,103 -
27 2043 871,103 7.00% 0.00% 60,977 - 932,080 -
28 2044 932,080 7.00% 0.00% 65,246 - 997,326 -
29 2045 997,326 7.00% 0.00% 69,813 - 1,067,139 -
30 2046 1,067,139 7.00% 0.00% 74,700 - 1,141,838 -
ethod/Teknik Bayaran : 0
0 Dari Sumber Sendiri -
per year 1 Dari Hasil Pelaburan -
dari anggaran Shahrol Faizal Abdullah
Kosongkan Maklumat / Jangan Guna Space Bar

Jumlah Cumulative Untung % Untung Topup

Hasil Pymt

14,956 11,929 3,027 25%

30,878 23,858 7,020 29% -
47,828 35,787 12,041 34% -
65,874 47,716 18,158 38% -
85,089 59,645 25,444 43% -
105,549 71,574 33,975 47% -
127,336 83,503 43,833 52% -
150,538 95,432 55,106 58% -
175,248 107,361 67,887 63% -
201,565 119,290 82,275 69% -
229,596 131,219 98,377 75% -
259,454 143,148 116,307 81% -
291,261 155,077 136,184 88% -
325,144 167,006 158,138 95% -
361,242 178,935 182,307 102% -
399,701 190,864 208,837 109% -
440,679 202,793 237,886 117% -
484,343 214,722 269,621 126% -
530,870 226,651 304,220 134% -
580,453 238,580 341,873 143% -
621,084 238,580 382,505 160% -
664,560 238,580 425,981 179% -
711,080 238,580 472,500 198% -
760,855 238,580 522,276 219% -
814,115 238,580 575,535 241% -
871,103 238,580 632,523 265% -
932,080 238,580 693,501 291% -
997,326 238,580 758,746 318% -
1,067,139 238,580 828,559 347% -
1,141,838 238,580 903,259 379% -
 ASB Amount Takaful Rate
Jumlah LASB 70,000 200 5.20%

Note : Method o0 - compounded dividen

1 - rolling dividen

Pelaburan Awal Pelaburan Purata Baki Purata Baki

Tahun Akhir Tahun Min. 1 Thn Min. 10 Thn

1 70,000 70,000 70,000 7,000

2 75,285 75,285 75,285 14,529
3 81,004 81,004 81,004 22,629
4 87,192 87,192 87,192 31,348
5 93,889 93,889 93,889 40,737
6 101,134 101,134 101,134 50,850
7 108,973 108,973 108,973 61,748
8 117,455 117,455 117,455 73,493
9 126,632 126,632 126,632 86,156
10 136,560 136,560 136,560 99,812
11 147,301 147,301 147,301 107,542
12 158,886 158,886 158,886 115,903
13 171,382 171,382 171,382 124,940
14 184,860 184,860 184,860 134,707
15 199,398 199,398 199,398 145,258
16 215,080 215,080 215,080 156,653
17 231,994 231,994 231,994 168,955
18 250,238 250,238 250,238 182,233
19 269,917 269,917 269,917 196,562
20 291,144 291,144 291,144 212,020
21 314,040 314,040 314,040 228,694
22 338,736 338,736 338,736 246,679
23 365,375 365,375 365,375 266,078
24 394,108 394,108 394,108 287,003
25 425,101 425,101 425,101 309,573
26 458,532 458,532 458,532 333,919
27 494,591 494,591 494,591 360,178
28 533,487 533,487 533,487 388,503
29 575,441 575,441 575,441 419,055
30 620,694 620,694 620,694 452,010
Tenure Dividen Bonus Type of Pymt Pymt
25 7.50% 0.50% 0 $418.60

Jumlah Hasil
Dividen Bonus Baki Pinjaman
Pelaburan Terminate

5,250 35 75,285 68,598 6,687

5,646 73 81,004 67,121 13,883
6,075 113 87,192 65,566 21,627
6,539 157 93,889 63,928 29,961
7,042 204 101,134 62,202 38,932
7,585 254 108,973 60,385 48,588
8,173 309 117,455 58,471 58,984
8,809 367 126,632 56,455 70,177
9,497 431 136,560 54,331 82,228
10,242 499 147,301 52,095 95,206
11,048 538 158,886 49,739 109,147
11,916 580 171,382 47,258 124,124
12,854 625 184,860 44,645 140,215
13,865 674 199,398 41,893 157,506
14,955 726 215,080 38,994 176,086
16,131 783 231,994 35,940 196,054
17,400 845 250,238 32,724 217,514
18,768 911 269,917 29,337 240,580
20,244 983 291,144 25,770 265,374
21,836 1,060 314,040 22,012 292,028
23,553 1,143 338,736 18,054 320,682
25,405 1,233 365,375 13,886 351,489
27,403 1,330 394,108 9,495 384,613
29,558 1,435 425,101 4,871 420,231
31,883 1,548 458,532 0 458,532
34,390 1,670 494,591 - 494,591
37,094 1,801 533,487 - 533,487
 40,011 1,943 575,441 - 575,441
43,158 2,095 620,694 - 620,694
46,552 2,260 669,506 - 669,506
Yearly Pymt
5,023.24

Topup

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-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
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-
-
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 Flat Effective
Personal Loan Amount Rate Rate Tenure Interest

Jumlah PL 50,000 3.92% 6.98% 10 19,600

Jumlah LASB 150,000 - 5.00% 27 123,637
200,000 143,237
Dividen dan Bonus 7.25% 0.50%

Pymt Akhir Tahun Purata Baki Purata Baki

Awal Tahun Tahunan Dividen Bonus
Min. 1 Thn Min. 10 Thn

1 200,000 17,095 182,905 191,453 19,145 13,880 96

2 196,881 17,095 179,787 188,334 37,979 13,654 190
3 193,631 17,095 176,536 185,083 56,487 13,419 282
4 190,237 17,095 173,142 181,690 74,656 13,173 373
5 186,688 17,095 169,593 178,141 92,470 12,915 462
6 182,971 17,095 165,876 174,424 109,912 12,646 550
7 179,072 17,095 161,977 170,524 126,965 12,363 635
8 174,975 17,095 157,880 166,427 143,608 12,066 718
9 170,664 17,095 153,569 162,117 159,819 11,753 799
10 166,122 17,095 150,000 158,061 175,625 11,459 878
11 162,338 10,135 152,203 157,270 172,207 11,402 861
12 164,466 10,135 154,331 159,399 169,314 11,556 847
13 166,734 10,135 156,600 161,667 166,972 11,721 835
14 169,155 10,135 159,021 164,088 165,212 11,896 826
15 171,743 10,135 161,608 166,676 164,065 12,084 820
16 174,513 10,135 164,378 169,445 163,567 12,285 818
17 177,480 10,135 167,346 172,413 163,756 12,500 819
18 180,665 10,135 170,530 175,597 164,673 12,731 823
19 184,084 10,135 173,949 179,017 166,363 12,979 832
20 187,760 10,135 177,625 182,692 168,826 13,245 844
21 191,714 10,135 181,580 186,647 171,764 13,532 859
22 195,970 10,135 185,836 190,903 174,915 13,840 875
23 200,551 10,135 190,416 195,483 178,296 14,173 891
24 205,480 10,135 195,345 200,413 181,929 14,530 910
25 210,785 10,135 200,650 205,718 185,833 14,915 929
26 216,494 10,135 206,359 211,427 190,031 15,328 950
27 222,638 10,135 212,503 217,571 194,547 15,774 973
28 229,250 - 229,250 229,250 199,912 16,621 1,000
29 246,870 - 246,870 246,870 206,697 17,898 1,033
30 265,801 - 265,801 265,801 215,008 19,271 1,075
 Monthly
Total Pymt Yearly Pymt
Pymt
69,600 580.00 6,960.00
273,637 844.56 10,134.70
343,237 1,424.56 17,094.70

Baki Tahunan LoanLASB

Balance Loan Balance Hasil Topup
PL Terminate

196,881 147,304 46,416 3,161 -

193,631 144,470 42,575 6,586 -
190,237 141,491 38,456 10,290 -
186,688 138,360 34,040 14,288 -
182,971 135,069 29,306 18,596 -
179,072 131,609 24,231 23,231 -
174,975 127,972 18,791 28,212 -
170,664 124,149 12,958 33,557 -
166,122 120,131 6,704 39,287 -
162,338 115,906 0 46,431 973
164,466 111,466 - 53,000 -
166,734 106,799 - 59,935 -
169,155 101,893 - 67,263 -
171,743 96,735 - 75,007 -
174,513 91,314 - 83,198 -
177,480 85,616 - 91,864 -
180,665 79,626 - 101,038 -
184,084 73,330 - 110,754 -
187,760 66,711 - 121,049 -
191,714 59,754 - 131,960 -
195,970 52,441 - 143,529 -
200,551 44,754 - 155,797 -
205,480 36,673 - 168,807 -
210,785 28,179 - 182,606 -
216,494 19,251 - 197,243 -
222,638 9,865 - 212,772 -
229,250 - - 229,250 -
246,870 - - 246,870 -
265,801 - - 265,801 -
286,147 - - 286,147 -
Nota: Isi Maklumat Dipetak Putih Sahaja
Pelaburan Awal 200,000 Rate 5.05%
Insuran - Loan Tenure 25 Years
Jumlah Loan 200,000 Payment : 1,175.01 Anggaran @
Bulan Mula Melabur: 12 Payment : Sebenar -/+ 20% dari anggaran
Tahun Mula Melabur: 2018 Klik Delete Dalam Petak Utk Kosongkan Maklumat

% Bonus Jumlah Pelaburan

Pelaburan Awal % Dividen Bonus Dividen

1 2019 200,000.00 7.00% 0.00% 14,000.00 - 214,000.00

2 2020 214,000.00 7.00% 0.00% 14,980.00 - 228,980.00
3 2021 228,980.00 7.00% 0.00% 16,028.60 - 245,008.60
4 2022 245,008.60 7.00% 0.00% 17,150.60 - 262,159.20
5 2023 262,159.20 7.00% 0.00% 18,351.14 - 280,510.34
6 2024 280,510.34 7.00% 0.00% 19,635.72 - 300,146.06
7 2025 300,146.06 7.00% 0.00% 21,010.22 - 321,156.28
8 2026 321,156.28 7.00% 0.00% 22,480.94 - 343,637.22
9 2027 343,637.22 7.00% 0.00% 24,054.61 - 367,691.83
10 2028 367,691.83 7.00% 0.00% 25,738.43 - 393,430.26
11 2029 393,430.26 7.00% 0.00% 27,540.12 - 420,970.38
12 2030 420,970.38 7.00% 0.00% 29,467.93 - 450,438.31
13 2031 450,438.31 7.00% 0.00% 31,530.68 - 481,968.99
14 2032 481,968.99 7.00% 0.00% 33,737.83 - 515,706.82
15 2033 515,706.82 7.00% 0.00% 36,099.48 - 551,806.30
16 2034 551,806.30 7.00% 0.00% 38,626.44 - 590,432.74
17 2035 590,432.74 7.00% 0.00% 41,330.29 - 631,763.03
18 2036 631,763.03 7.00% 0.00% 44,223.41 - 675,986.44
19 2037 675,986.44 7.00% 0.00% 47,319.05 - 723,305.49
20 2038 723,305.49 7.00% 0.00% 50,631.38 - 773,936.87
21 2039 773,936.87 7.00% 0.00% 54,175.58 - 828,112.45
22 2040 828,112.45 7.00% 0.00% 57,967.87 - 886,080.32
23 2041 886,080.32 7.00% 0.00% 62,025.62 - 948,105.94
24 2042 948,105.94 7.00% 0.00% 66,367.42 - 1,014,473.36
25 2043 1,014,473.36 7.00% 0.00% 71,013.14 - 1,085,486.50
26 2044 1,085,486.50 7.00% 0.00% 75,984.06 - 1,161,470.56
27 2045 1,161,470.56 7.00% 0.00% 81,302.94 - 1,242,773.50
28 2046 1,242,773.50 7.00% 0.00% 86,994.15 - 1,329,767.65
29 2047 1,329,767.65 7.00% 0.00% 93,083.74 - 1,422,851.39
30 2048 1,422,851.39 7.00% 0.00% 99,599.60 - 1,522,450.99
 Method/Teknik Bayaran : 0
0 Dari Sumber Sendiri -
14,100.12 per year 1 Dari Hasil Pelaburan -
20% dari anggaran Shahrol Faizal Abdullah
k Utk Kosongkan Maklumat / Jangan Guna Space Bar

Loan Balance Jumlah Hasil Cumulative Untung % Untung Topup

Pymt

195,905.99 18,094.01 14,100.12 3,993.89 28%

191,600.36 37,379.64 14,100.12 9,179.40 33% -
187,072.21 57,936.39 14,100.12 15,636.03 37% -
182,310.00 79,849.20 14,100.12 23,448.72 42% -
177,301.67 103,208.67 14,100.12 32,708.07 46% -
172,034.48 128,111.58 14,100.12 43,510.86 51% -
166,495.05 154,661.23 14,100.12 55,960.39 57% -
160,669.32 182,967.90 14,100.12 70,166.94 62% -
154,542.47 213,149.36 14,100.12 86,248.28 68% -
148,098.95 245,331.31 14,100.12 104,330.11 74% -
141,322.41 279,647.97 14,100.12 124,546.65 80% -
134,195.61 316,242.70 14,100.12 147,041.26 87% -
126,700.46 355,268.53 14,100.12 171,966.97 94% -
118,817.93 396,888.89 14,100.12 199,487.21 101% -
110,527.98 441,278.32 14,100.12 229,776.52 109% -
101,809.56 488,623.18 14,100.12 263,021.26 117% -
92,640.53 539,122.50 14,100.12 299,420.46 125% -
82,997.60 592,988.84 14,100.12 339,186.68 134% -
72,856.27 650,449.22 14,100.12 382,546.94 143% -
62,190.77 711,746.10 14,100.12 429,743.70 152% -
50,974.03 777,138.42 14,100.12 481,035.90 162% -
39,177.55 846,902.77 14,100.12 536,700.13 173% -
26,771.36 921,334.58 14,100.12 597,031.82 184% -
13,723.94 1,000,749.42 14,100.12 662,346.54 196% -
- 1,085,486.50 13,723.94 733,359.68 208% -
- 1,161,470.56 - 809,343.74 230% -
- 1,242,773.50 - 890,646.68 253% -
- 1,329,767.65 - 977,640.83 278% -
- 1,422,851.39 - 1,070,724.57 304% -
- 1,522,450.99 - 1,170,324.17 332% -
 Pelaburan Tetap Bulanan 1,000.00
Tahun Melabur 2014

Purata Baki Purata Baki %

Tahun Dis Min. 1 Min. 10 Dividen % Bonus Dividen

1 2014 12,000 6,500 650 8.00% 0.00% 520

2 2015 24,520 19,020 2,552 8.00% 0.00% 1,522
3 2016 38,042 32,542 5,806 8.00% 0.00% 2,603
4 2017 52,645 47,145 10,521 8.00% 0.00% 3,772
5 2018 68,417 62,917 16,812 8.00% 0.00% 5,033
6 2019 85,450 79,950 24,807 8.00% 0.00% 6,396
7 2020 103,846 98,346 34,642 8.00% 0.00% 7,868
8 2021 123,713 118,213 46,463 8.00% 0.00% 9,457
9 2022 145,171 139,671 60,430 8.00% 0.00% 11,174
10 2023 168,344 162,844 76,715 8.00% 0.00% 13,028
11 2024 193,372 187,872 94,852 8.00% 0.00% 15,030
12 2025 220,402 214,902 114,440 8.00% 0.00% 17,192
13 2026 249,594 244,094 135,595 8.00% 0.00% 19,527
14 2027 281,121 275,621 158,443 8.00% 0.00% 22,050
15 2028 315,171 309,671 183,118 8.00% 0.00% 24,774
16 2029 351,944 346,444 209,768 8.00% 0.00% 27,716
17 2030 391,660 386,160 238,549 8.00% 0.00% 30,893
18 2031 434,553 429,053 269,633 8.00% 0.00% 34,324
19 2032 480,877 475,377 303,204 8.00% 0.00% 38,030
20 2033 530,907 525,407 339,460 8.00% 0.00% 42,033
21 2034 584,940 579,440 378,617 8.00% 0.00% 46,355
22 2035 643,295 637,795 420,906 8.00% 0.00% 51,024
23 2036 706,319 700,819 466,579 8.00% 0.00% 56,065
24 2037 774,384 768,884 515,905 8.00% 0.00% 61,511
25 2038 847,895 842,395 569,177 8.00% 0.00% 67,392
26 2039 927,286 921,786 626,712 8.00% 0.00% 73,743
27 2040 1,013,029 1,007,529 688,848 8.00% 0.00% 80,602
28 2041 1,105,632 1,100,132 755,956 8.00% 0.00% 88,011
29 2042 1,205,642 1,200,142 828,433 8.00% 0.00% 96,011
30 2043 1,313,654 1,308,154 906,708 8.00% 0.00% 104,652
 Modal Hasil Max Lmt Baki Boleh
Bonus Total Akhir Tahun Sendiri Dividen Pelbrn Labur

- 12,520 12,000 520 200,520 188,000

- 26,042 24,000 2,042 202,042 176,000
- 40,645 36,000 4,645 204,645 164,000
- 56,417 48,000 8,417 208,417 152,000
- 73,450 60,000 13,450 213,450 140,000
- 91,846 72,000 19,846 219,846 128,000
- 111,713 84,000 27,713 227,713 116,000
- 133,171 96,000 37,171 237,171 104,000
- 156,344 108,000 48,344 248,344 92,000
- 181,372 120,000 61,372 261,372 80,000
- 208,402 132,000 76,402 276,402 68,000
- 237,594 144,000 93,594 293,594 56,000
- 269,121 156,000 113,121 313,121 44,000
- 303,171 168,000 135,171 335,171 32,000
- 339,944 180,000 159,944 359,944 20,000
- 379,660 192,000 187,660 387,660 8,000
- 422,553 204,000 218,553 418,553 (4,000)
- 468,877 216,000 252,877 452,877 (16,000)
- 518,907 228,000 290,907 490,907 (28,000)
- 572,940 240,000 332,940 532,940 (40,000)
- 631,295 252,000 379,295 579,295 (52,000)
- 694,319 264,000 430,319 630,319 (64,000)
- 762,384 276,000 486,384 686,384 (76,000)
- 835,895 288,000 547,895 747,895 (88,000)
- 915,286 300,000 615,286 815,286 (100,000)
- 1,001,029 312,000 689,029 889,029 (112,000)
- 1,093,632 324,000 769,632 969,632 (124,000)
- 1,193,642 336,000 857,642 1,057,642 (136,000)
- 1,301,654 348,000 953,654 1,153,654 (148,000)
- 1,418,306 360,000 1,058,306 1,258,306 (160,000)