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Exercise 4 Table Loan Amortization

The document contains tables and calculations related to loan amortization, compound interest rates, annual savings and withdrawals for retirement funds. It includes details on loan principles, interest, and remaining balances over 3 periods as well as interest rates and totals. There are also calculations for annual savings needed and potential withdrawals for two retirement plans with different assumed starting ages, retirement ages, interest rates, and fund values.

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Humaidi Ash Shiddieqy
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45 views6 pages

Exercise 4 Table Loan Amortization

The document contains tables and calculations related to loan amortization, compound interest rates, annual savings and withdrawals for retirement funds. It includes details on loan principles, interest, and remaining balances over 3 periods as well as interest rates and totals. There are also calculations for annual savings needed and potential withdrawals for two retirement plans with different assumed starting ages, retirement ages, interest rates, and fund values.

Uploaded by

Humaidi Ash Shiddieqy
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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EXERCISE 4

INTEREST 0.14 2.322


TABLE LOAN AMORTIZATION
Period Loan Principle Installment Annuaity Interest Principle Remaining Loan Principle
1 $ 15,000 $ 6,461 $ 2,100 $ 4,361 $ 10,639
2 $ 10,639 $ 6,461 $ 1,489 $ 4,972 $ 5,668
3 $ 5,668 $ 6,461 $ 793 $ 5,668 $ -
$ 19,383 $ 4,383 $ 15,000

$ 2,100.00
$ 2,282.92

65 COMPOUND 0.1
SYAHRINI ASHANTI
$ 50,000,000 $ 5,000,000 $ 5,000,000 $ 55,000,000
10 11
35 36
30 29
$ 872,470,113 $ 1,144,614,829
17.449 22.892
750000 maximum annual withdrawal
0.08 $ 109,513.43
25

1
2
HUMAIDI PLAN
Age 25 years range
Retirement 60 years 35
assume interest rate % (based on reksadana) 0.15
Assuming Retirement Fund $ 20,000,000,000
Age to die 90 years 30

How much saving per year ? $ 22,697,092 $ 1,891,424


How much withdrawal per year after get pension fund $ 3,046,003,964 $ 253,833,664
CHARISMA PLAN
Age
FVIFA 881.170 Retirement
assume interest rate % (based on reksadana)
Assuming Retirement Fund
PVIFA 6.566 Age to die

How much saving per year ?


How much withdrawal per year after get pension fund
23 years range
60 years 37 FVIFA 1167.498
0.15
$ 10,000,000,000
75 years 15 PVIFA 5.847

$ 8,565,329 $ 713,777.38
$ 1,710,170,526

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