???

80




???

4

1) ?
2)
(Cash Flow) ?
60
50,000 600,000

???

2
1
50,000 600,000

!!!
2

!!!
2

3 2 ()
1 ()


4
1)
2)
3)

3
(...
) (...
) (
...)

4)

5
(4.1)
(4.2)
(4.3)
(4.4)
(4.5)
(Pension
Choice)

4
2

1)
2)
3)
4)

60
5)
60

1,000,000
20
20,000,000

566,667
15
8,500,000
33,333

600,000

N/A
N/A

600,000

16,667

89

1,066,667
90
3,333,333
(

)
3,333,333
28,166,667

N/A

331%

N/A

6)
7)

8)
(ROI)
9) 15%
10)
11)

12)

N/A
N/A

( 100,000)

-


(.)
..2551

2A

80%

( 1% )

Time Value of Money

Pension Choice



7%

 Pension Choice

Pension Choice
Pension Choice
4%
4%

Pension Choice
Pension Choice

Pension Choice

(
)

LTF
10 Pension
Choice 9
Pension Choice