PERANCANGAN MEMBELI RUMAH

Harga rumah 250,000.00

Pendahuluan 25,000.00
Tempohmasa 3
Kadar pulangan dijangka 5%

Berapakah yang perlu disimpan setiap bulan bagi mendapatkan jumlah pendahuluan yang diperlukan?

PMT = (7,930.21) setahun

@ = (660.85) sebulan

Berapakah pulangan yang perlu diperolehi jika simpanan yang mampu hanya RM 500

r = 35%

Bulan Simpanan Baki awal Baki akhir + dividen Bulan Simpanan Baki awal
1 660.85 1 500
2 660.85 2 500
3 660.85 3 500
4 660.85 4 500
5 660.85 5 500
6 660.85 6 500
7 660.85 7 500
8 660.85 8 500
9 660.85 9 500
10 660.85 10 500
11 660.85 11 500
12 660.85 7,930.21 8,326.72 12 500 6,000.00
13 660.85 13 500
14 660.85 14 500
15 660.85 15 500
16 660.85 16 500
17 660.85 17 500
18 660.85 18 500
19 660.85 19 500
20 660.85 20 500
21 660.85 21 500
22 660.85 22 500
23 660.85 23 500
24 660.85 16,256.94 17,069.79 24 500 14,090.54
25 660.85 25 500
26 660.85 26 500
27 660.85 27 500
28 660.85 28 500
29 660.85 29 500
30 660.85 30 500
31 660.85 31 500
32 660.85 32 500
33 660.85 33 500
34 660.85 34 500
35 660.85 35 500
36 660.85 25,000.00 36 500 25,000.00
setiap bulan?

Baki akhir + dividen

8,090.54

19,000.00
PERANCANGAN HAJI
Tahun Baki awal Simpanan
Jumlah diperlukan 12,000.00 1 0 2,171.70
Tempohmasa 5 tahun 2 2,280.28 2,171.70
Pulangan dijangka 5% 3 4,674.58 2,171.70
4 7,188.59 2,171.70
Berapakah jumlah yang perlu dilaburkan setiap bulan? 5 9,828.30 2,171.70

PMT = ($2,171.70) setahun

= ($180.97) sebulan

Berapakah kadar pulangan yang perlu diperolehi sekiranya jumlah yang mampu dilaburkan hanya RM

r = 35%

Berapakah tempoh yang perlu diambil jika kadar pulangan yang diperolehi hanya 5% dan jumlah yang mampu dilabur

n = 8 tahun

Tahun Baki awal Simpanan Jumlah Dividen Baki akhir

1 0 1,200.00 1,200.00 60.00 1,260.00
2 1,260.00 1,200.00 2,460.00 123.00 2,583.00
3 2,583.00 1,200.00 3,783.00 189.15 3,972.15
4 3,972.15 1,200.00 5,172.15 258.61 5,430.76
5 5,430.76 1,200.00 6,630.76 331.54 6,962.30
6 6,962.30 1,200.00 8,162.30 408.11 8,570.41
7 8,570.41 1,200.00 9,770.41 488.52 10,258.93
8 10,258.93 1,200.00 11,458.93 572.95 12,031.88
 Jumlah Dividen Baki akhir
2,171.70 108.58 2,280.28
4,451.98 222.60 4,674.58
6,846.28 342.31 7,188.59
9,360.29 468.01 9,828.30
12,000.00

100 sebulan?

n jumlah yang mampu dilabur hanya RM 100 sebulan?

PERANCANGAN PENDIDIKAN

AMALINA
Jurusan Kewangan Islam, UIA

Umur 12
Umur ke universiti 18
Tempoh tabungan 6

Kos masa kini 9,015.00

Kadar inflasi 4.00%

Kos masa depan $11,406.85

Tahun belajar 3
Kadar inflasi 4.00%
Jumlah diperlukan $35,607.63

Tabungan sekarang $0.00

Kadar pulangan 8% 3% 15%
Keperluan tabungan $4,853.87 setahun $5,504.85 $4,067.71
$404.49 sebulan $458.74 $338.98
$22,438.84 lump sum $29,820.83 $15,394.16

HAZIM
Perubatan, UIA

Umur 11
Umur ke universiti 18
Tempoh tabungan 7

Kos masa kini 39,565.00

Kadar inflasi 3.00%

Kos masa depan $48,659.96

Tahun belajar 3
Jumlah diperlukan $145,979.88

Tabungan sekarang $0.00

Kadar pulangan 7% 3% 10%
Keperluan tabungan $16,868.44 setahun $19,051.30 $15,387.08
$1,405.70 sebulan $1,587.61 $1,282.26
$90,908.93 lump sum $118,695.00 $74,910.76
inflation 4% Save @ 5%

Baki awal Withdrawal after w/d

$11,406.85 $33,572.86 $11,406.85 $22,166.01
$11,863.12 $23,274.31 $11,863.12 $11,411.19
$12,337.65 $11,981.75 $12,337.65 ($355.90)
$35,607.63
Baki akhir
$23,274.31
$11,981.75
($373.70)
ANALISA KEPERLUAN PERSARAAN
MENGIRA MODAL DIPERLUKAN BAGI MENJANA PENDAPATAN SELAMA JANGKA HAYAT
ANDAIAN: PESARA TIDAK MEMPUNYAI KWSP

Umur sekarang 24
Umur persaraan 55
Tempoh untuk bekerja 31
Pendapatan selepas cukai sekarang 60,000.00
Perbelanjaan tahunan sekarang 36,000.00
(jika tidak pasti, gunakan Sasaran Nisbah Penggantian (TRR) 80% dari pendapatan)
Anggaran kadar inflasi 4%
Nilai masa depan perbelanjaan tahunan $121,432.80
Anggaran kadar pulangan selepas persaraan 8.00%
Anggaran kadar inflasi selepas bersara 4.00%
Kadar pulangan sebenar 3.85%
Anggaran jangka hayat selepas bersara 20
Modal diperlukan bagi menjana pendapatan untuk menampung perbelanjaan tahunan $1,673,023.43
Anggaran jumlah KWSP pada masa persaraan 500,000.00
Baki modal yang diperlukan pada masa persaraan $1,173,023.43

Anggaran kadar pulangan pelaburan sehingga umur persaraan 8%

OPTION 1: LUMP SUMP INVESTMENT

Current Lump Sum Investment Required $107,936.98

OPTION 2: YEARLY/MONTHLY INVESTMENT ONLY

Current Yearly Investment Required $9,510.03
Current Monthly Investment Required $792.50
 Simpanan di Perbelanjaan Jangka
tolak perbelanjaan meningkat pada hayat
pulangan 5% 4% setahun
$9,510.03 $1,673,023.43 $121,432.80 1
$19,780.87 $1,629,170.16 $126,290.11 2
$30,873.38 $1,578,024.04 $131,341.72 3
$42,853.28 $1,519,016.44 $136,595.39 4
$55,791.58 $1,451,542.10 $142,059.20 5
$69,764.94 $1,374,957.04 $147,741.57 6
$84,856.17 $1,288,576.25 $153,651.23 7
86,445.29 $101,154.69 $1,191,671.26 $159,797.28 8
$118,757.10 $1,083,467.68 $166,189.18 9
$137,767.70 $963,142.43 $172,836.74 10
1% $158,299.16 $829,820.97 $179,750.21 11
$180,473.12 $682,574.29 $186,940.22 12
$1,559,953.06 $204,421.01 $520,415.78 $194,417.83 13
$230,284.72 $342,297.84 $202,194.54 14
$258,217.53 $147,108.47 $210,282.32 15
($66,332.55) $218,693.62 16
($299,277.48) $227,441.36 17
($553,054.78) $236,539.02 18
($829,073.49) $246,000.58 19
$143,540.72 ($1,128,827.77) $255,840.60 20
($1,453,901.79) $3,616,035.54

$12,646.98
$1,053.92
Pengiraan untuk memastikan jumlah tabung persaraan mencukupi bagi membiayai perbelanjaan selepas bersara

Tabung persaraan $1,173,023.43

Kadar pulangan 5% 0.01
Kadar inflasi 4%
Perbelanjaan tahunan $121,432.80

Tahun Baki awal Belanja Jumlah Pulangan Baki akhir

1 $1,173,023.43 $121,432.80 $1,051,590.62 $52,579.53 $1,104,170.16
2 $1,104,170.16 $126,290.11 $977,880.04 $48,894.00 $1,026,774.04
3 $1,026,774.04 $131,341.72 $895,432.32 $44,771.62 $940,203.94
4 $940,203.94 $136,595.39 $803,608.55 $40,180.43 $843,788.98
5 $843,788.98 $142,059.20 $701,729.77 $35,086.49 $736,816.26
6 $736,816.26 $147,741.57 $589,074.69 $29,453.73 $618,528.43
7 $618,528.43 $153,651.23 $464,877.19 $23,243.86 $488,121.05
8 $488,121.05 $159,797.28 $328,323.77 $16,416.19 $344,739.95
9 $344,739.95 $166,189.18 $178,550.78 $8,927.54 $187,478.32
10 $187,478.32 $172,836.74 $14,641.58 $732.08 $15,373.65
11 $15,373.65 $179,750.21 ($164,376.56) ($8,218.83) ($172,595.39)
12 ($172,595.39) $186,940.22 ($359,535.61) ($17,976.78) ($377,512.39)
13 ($377,512.39) $194,417.83 ($571,930.22) ($28,596.51) ($600,526.73)
14 ($600,526.73) $202,194.54 ($802,721.27) ($40,136.06) ($842,857.33)
15 ($842,857.33) $210,282.32 ($1,053,139.66) ($52,656.98) ($1,105,796.64)
16 ($1,105,796.64) $218,693.62 ($1,324,490.26) ($66,224.51) ($1,390,714.77)
17 ($1,390,714.77) $227,441.36 ($1,618,156.13) ($80,907.81) ($1,699,063.94)
18 ($1,699,063.94) $236,539.02 ($1,935,602.96) ($96,780.15) ($2,032,383.11)
19 ($2,032,383.11) $246,000.58 ($2,278,383.68) ($113,919.18) ($2,392,302.87)
20 ($2,392,302.87) $255,840.60 ($2,648,143.47) ($132,407.17) ($2,780,550.64)
anjaan selepas bersara
Pengiraan untuk memastikan tabungan tahunan mencukupi bagi mencapai jumlah tabung persaraan yang diperlukan

Tabungan tahunan $9,510.03

Kadar pulangan sebelum bersara 8%
Tempoh untuk bekerja 31

Tahun Baki awal Tahunan Jumlah Pulangan Baki akhir

1 0 $9,510.03 $9,510.03 570.60 $10,080.64
2 $10,080.64 $9,510.03 $19,590.67 1,175.44 $20,766.11
3 $20,766.11 $9,510.03 $30,276.14 1,816.57 $32,092.71
4 $32,092.71 $9,510.03 $41,602.75 2,496.16 $44,098.91
5 $44,098.91 $9,510.03 $53,608.95 3,216.54 $56,825.48
6 $56,825.48 $9,510.03 $66,335.52 3,980.13 $70,315.65
7 $70,315.65 $9,510.03 $79,825.68 4,789.54 $84,615.22
8 $84,615.22 $9,510.03 $94,125.26 5,647.52 $99,772.77
9 $99,772.77 $9,510.03 $109,282.81 6,556.97 $115,839.78
10 $115,839.78 $9,510.03 $125,349.81 7,520.99 $132,870.80
11 $132,870.80 $9,510.03 $142,380.83 8,542.85 $150,923.68
12 $150,923.68 $9,510.03 $160,433.72 9,626.02 $170,059.74
13 $170,059.74 $9,510.03 $179,569.78 10,774.19 $190,343.96
14 $190,343.96 $9,510.03 $199,854.00 11,991.24 $211,845.24
15 $211,845.24 $9,510.03 $221,355.27
g persaraan yang diperlukan
ANALISA KEPERLUAN PERSARAAN
MENGIRA MODAL DIPERLUKAN BAGI MENJANA PENDAPATAN SELAMA JANGKA HAYAT
ANDAIAN: PESARA MEMPUNYAI SIMPANAN KWSP

Umur sekarang 40
Umur persaraan 55
Tempoh untuk bekerja 15
Pendapatan selepas cukai sekarang 60,000.00
Perbelanjaan tahunan sekarang 48,000.00
(jika tidak pasti, gunakan Sasaran Nisbah Penggantian (TRR) 80% dari pendapatan)
Anggaran kadar inflasi 4%
Nilai masa depan perbelanjaan tahunan $86,445.29
Anggaran kadar pulangan selepas persaraan 5%
Anggaran kadar inflasi selepas bersara 4%
Kadar pulangan sebenar 0.96%
Anggaran jangka hayat selepas bersara 20
Modal diperlukan bagi menjana pendapatan untuk menampung perbelanjaan tahunan $1,566,010.69
Anggaran jumlah KWSP pada masa persaraan 761,136.24
Baki modal yang diperlukan pada masa persaraan $804,874.45

Anggaran kadar pulangan pelaburan sehingga umur persaraan 6%

OPTION 1: LUMP SUMP INVESTMENT

Current Lump Sum Investment Required $335,845.99

OPTION 2: YEARLY/MONTHLY INVESTMENT ONLY

Current Yearly Investment Required $34,579.63
Current Monthly Investment Required $2,881.64
Pengiraan jumlah tabungan KWSP bagi SARAAN 2

Umur mula bekerja 24

Umur bersara 55
Tempoh bekerja 31
Gaji permulaan 1,250.00 sebulan 15,000.00 setahun
Kenaikan tahunan 9%
Sumbangan sendiri 10%
Sumbangan majikan 12%
Dividen KWSP 5%

Umur Tahun Gaji S/Sendiri S/Majikan Baki awal Pengeluaran Baki Dividen Baki akhir
24 1991 15,000.00 1,500.00 1,800.00 3,300.00 0.00 3,300.00 165.00 3,465.00
25 1992 16,350.00 1,635.00 1,962.00 7,062.00 0.00 7,062.00 353.10 7,415.10
26 1993 17,821.50 1,782.15 2,138.58 11,335.83 0.00 11,335.83 566.79 11,902.62
27 1994 19,425.44 1,942.54 2,331.05 16,176.22 0.00 16,176.22 808.81 16,985.03
28 1995 21,173.72 2,117.37 2,540.85 21,643.25 0.00 21,643.25 1,082.16 22,725.41
29 1996 23,079.36 2,307.94 2,769.52 27,802.87 0.00 27,802.87 1,390.14 29,193.01
30 1997 25,156.50 2,515.65 3,018.78 34,727.44 15,000.00 19,727.44 986.37 35,713.81 Down payment apartment
31 1998 27,420.59 2,742.06 3,290.47 41,746.34 0.00 41,746.34 2,087.32 43,833.66
32 1999 29,888.44 2,988.84 3,586.61 50,409.12 0.00 50,409.12 2,520.46 52,929.57
33 2000 32,578.40 3,257.84 3,909.41 60,096.82 0.00 60,096.82 3,004.84 63,101.66
34 2001 35,510.46 3,551.05 4,261.25 70,913.96 0.00 70,913.96 3,545.70 74,459.66
35 2002 38,706.40 3,870.64 4,644.77 82,975.07 30,000.00 52,975.07 2,648.75 85,623.82 Reduce loan apartment
36 2003 42,189.97 4,219.00 5,062.80 94,905.62 0.00 94,905.62 4,745.28 99,650.90
37 2004 45,987.07 4,598.71 5,518.45 109,768.05 0.00 109,768.05 5,488.40 115,256.45
38 2005 50,125.91 5,012.59 6,015.11 126,284.15 0.00 126,284.15 6,314.21 132,598.36
39 2006 54,637.24 5,463.72 6,556.47 144,618.55 0.00 144,618.55 7,230.93 151,849.48
40 2007 59,554.59 5,955.46 7,146.55 164,951.49 0.00 164,951.49 8,247.57 173,199.06
41 2008 64,914.50 6,491.45 7,789.74 187,480.25 0.00 187,480.25 9,374.01 196,854.27
42 2009 70,756.81 7,075.68 8,490.82 212,420.76 0.00 212,420.76 10,621.04 223,041.80
43 2010 77,124.92 7,712.49 9,254.99 240,009.28 0.00 240,009.28 12,000.46 252,009.75
44 2011 84,066.16 8,406.62 10,087.94 270,504.30 0.00 270,504.30 13,525.22 284,029.52
45 2012 91,632.12 9,163.21 10,995.85 304,188.59 0.00 304,188.59 15,209.43 319,398.01
46 2013 96,000.00 9,600.00 11,520.00 340,518.01 0.00 340,518.01 17,025.90 357,543.92 Gaji mati
47 2014 96,000.00 9,600.00 11,520.00 378,663.92 0.00 378,663.92 18,933.20 397,597.11
48 2015 96,000.00 9,600.00 11,520.00 418,717.11 0.00 418,717.11 20,935.86 439,652.97
49 2016 96,000.00 9,600.00 11,520.00 460,772.97 0.00 460,772.97 23,038.65 483,811.61
50 2017 96,000.00 9,600.00 11,520.00 504,931.61 0.00 504,931.61 25,246.58 530,178.20
51 2018 96,000.00 9,600.00 11,520.00 551,298.20 0.00 551,298.20 27,564.91 578,863.11
52 2019 96,000.00 9,600.00 11,520.00 599,983.11 0.00 599,983.11 29,999.16 629,982.26
53 2020 96,000.00 9,600.00 11,520.00 651,102.26 0.00 651,102.26 32,555.11 683,657.37
54 2021 96,000.00 9,600.00 11,520.00 704,777.37 0.00 704,777.37 35,238.87 740,016.24
55 2022 96,000.00 9,600.00 11,520.00 761,136.24
ANALISA KEPERLUAN PERSARAAN
MENGIRA MODAL BAGI MENJANA PENDAPATAN BERTERUSAN UNTUK PESARA DAN WARIS
(SETELAH PESARA MENINGGAL DUNIA)

Umur sekarang 40
Umur persaraan 55
Tempoh untuk bekerja 15
Pendapatan selepas cukai sekarang 60,000.00
Perbelanjaan tahunan sekarang 48,000.00
(jika tidak pasti, gunakan Sasaran Nisbah Penggantian (TRR) 80% dari pendapatan)
Anggaran kadar inflasi 4%
Nilai masa depan perbelanjaan tahunan $86,445.29
Anggaran kadar pulangan selepas persaraan 5.00%
Anggaran kadar inflasi selepas bersara 4.00%
Kadar pulangan sebenar 0.96%
Anggaran jangka hayat selepas bersara 20
Modal diperlukan bagi menjana pendapatan untuk menampung perbelanjaan tahunan $8,990,309.98
Anggaran jumlah KWSP pada masa persaraan 0.00
Baki modal yang diperlukan pada masa persaraan $8,990,309.98

Anggaran kadar pulangan pelaburan sehingga umur persaraan 6%

OPTION 1: LUMP SUMP INVESTMENT

Current Lump Sum Investment Required $3,751,342.24

OPTION 2: YEARLY/MONTHLY INVESTMENT ONLY

Current Yearly Investment Required $386,248.57
Current Monthly Investment Required $32,187.38
DCF ANALYSIS

RRR = 10%

PROJECT XYZ

YEAR Cashflow PVIF PV

0 (270,000.00) (270,000.00)

1 100,000.00 0.9091 90,910.00

2 80,000.00 0.8264 66,112.00

3 70,000.00 0.7513 52,591.00

4 40,000.00 0.6830 27,320.00

5 25,000.00 0.6209 15,522.50

TOTAL INFLOW 315,000.00 252,455.50

DIFFERENCE 45,000.00

NPV (17,544.50)
RRR = 10%

PROJECT A PROJECT B

YEAR Cashflow PVIF PV Cashflow

0 (205,000.00) (205,000.00) (250,000.00)

1 100,000.00 0.9091 90,910.00 105,000.00

2 80,000.00 0.8264 66,112.00 85,000.00

3 70,000.00 0.7513 52,591.00 40,000.00

4 40,000.00 0.6830 27,320.00 60,000.00

5 25,000.00 0.6209 15,522.50 70,000.00

TOTAL INFLOW 315,000.00 252,455.50 360,000.00

DIFFERENCE 110,000.00 110,000.00

NPV 47,455.50
PROJECT B

PVIF PV

(250,000.00)

0.9091 95,455.50

0.8264 70,244.00

0.7513 30,052.00

0.6830 40,980.00

0.6209 43,463.00

280,194.50

30,194.50