ASBF Calculator 2016 Final Version

Pelaburan Awal : 100,000 Rate : 5.
30% Tarikh Mula Labur: 12 2016

Insuran : - Tenure : 30 Years Teknik Pilihan Shahrol
Faizal
Jumlah Loan : 100,000 Payment : 555 @ 6,664 per year 0 - Compounding
Method/Teknik : 0 Payment : Sebenar -/+ 20% dari anggaran 1 - Rolling
Loan Untung
Awal % % Dividen Bonus Akhir Hasil T.kumpul Untung
Thn Purata Balance T.kumpul ROI Topup Tahunan
Tahun Dividen Bonus Tahun
1 2017 100,000 100,000 7.25% 0.00% 7,250 - #VALUE! 98,603 #VALUE! 1,984 29.8% 1,984
2 2018 #VALUE! 107,250 7.25% 0.00% 7,776 - #VALUE! 97,130 #VALUE! #VALUE! #VALUE! - #VALUE!
30 2046 #VALUE! 761,240 7.25% 0.00% 55,190 - #VALUE! 4 #VALUE! #VALUE! #VALUE! - #VALUE!
709,180 - 816,430 816,426 #VALUE! #VALUE! - 616,518
Yearly
ASB Amount Takaful Rate Tenure Dividen Bonus Type Pymt Pymt
Jumlah ASBF 200000 - 5.10% 30 7.00% 0.00% 1 - Rolling Dividen 1,085.90 13,031
Note : Type of Payment = 0 - compounded dividen, 1 - rolling dividen
Pelaburan Pendapatan Aset Perincian Hasil Return On Invesment
Awal Akhir Purata 1 Purata 10 Jumlah Baki Hasil Hasil Hasil Div Untung
Dividen Bonus Pelaburan Pinjaman Terminate
Tahun Tahun Thn Thn Principal Dikompoun Cumulative
1 200,000 200,000 200,000 20,000 14,000 - 214,000 197,102 16,898 2,898 14,000 16,898
2 214,000 200,969 206,942 20,694 14,486 - 215,455 194,053 21,402 5,947 15,455 21,402
3 215,455 202,424 208,396 41,534 14,588 - 217,012 190,844 26,167 9,156 17,012 26,167
4 217,012 203,981 209,953 62,529 14,697 - 218,677 187,469 31,209 12,531 18,677 31,209
5 218,677 205,646 211,619 83,691 14,813 - 220,460 183,916 36,543 16,084 20,460 36,543
6 220,460 207,429 213,401 105,031 14,938 - 222,367 180,179 42,188 19,821 22,367 42,188
7 222,367 209,336 215,308 126,562 15,072 - 224,407 176,246 48,161 23,754 24,407 48,161
8 224,407 211,376 217,349 148,297 15,214 - 226,591 172,108 54,483 27,892 26,591 54,483
9 226,591 213,560 219,532 170,250 15,367 - 228,927 167,754 61,173 32,246 28,927 61,173
10 228,927 215,896 221,869 192,437 15,531 - 231,427 163,172 68,255 36,828 31,427 68,255
11 231,427 218,396 224,368 214,874 15,706 - 234,102 158,352 75,750 41,648 34,102 75,750
12 234,102 221,071 227,043 216,884 15,893 - 236,964 153,279 83,684 46,721 36,964 83,684
13 236,964 223,933 229,905 219,035 16,093 - 240,026 147,942 92,084 52,058 40,026 92,084
14 240,026 226,995 232,968 221,336 16,308 - 243,303 142,326 100,976 57,674 43,303 100,976
15 243,303 230,272 236,244 223,799 16,537 - 246,809 136,417 110,392 63,583 46,809 110,392
20 263,465 250,434 256,407 238,952 17,948 - 268,383 101,910 166,473 98,090 68,383 166,473
25 291,745 278,714 284,686 260,204 19,928 - 298,642 57,403 241,239 142,597 98,642 241,239
30 331,408 318,377 324,349 290,012 22,704 - 341,081 - 341,081 200,000 141,081 341,081
Hasil Pelaburan Keseluruhan 30 tahun : 341,099 Modal Keseluruhan 30 tahun :
Return On Invesment
ROI
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
13,031
Compounded Dividen Shahrol Fa Rolling Dividen Shahrol Fa Rolling Dividen Shahrol Fa Rolling Dividen
Description Details Description Details Description Details Description
1 ASB Financing 200,000.00 1 ASB Financing 200,000.00 1 ASB Financing 200,000.00 1 ASB Financing
2 Takaful - 2 Takaful - 2 Takaful - 2 Takaful
3 Total Financing 200,000.00 3 Total Financing 200,000.00 3 Total Financing 200,000.00 3 Total Financing
4 Tenure (Years) 30 4 Tenure (Years) 30 4 Tenure (Years) 30 4 Tenure (Years)
5 Profit Rate 5.00% 5 Profit Rate 5.00% 5 Profit Rate 5.00% 5 Profit Rate
6 Dividen Rate 7.25% 6 Dividen Rate 7.25% 6 Dividen Rate 7.25% 6 Dividen Rate
7 Bonus Rate 0.50% 7 Bonus Rate 0.50% 7 Bonus Rate 0.50% 7 Bonus Rate
8 Disbursement December-16 8 Disbursement December-16 8 Disbursement January-16 8 Disbursement
9 Termination January-47 9 Termination January-47 9 Termination February-18 9 Termination
10 Months of Invest 360 10 Months of Invest 360 10 Months of Invest 24 10 Months of Invest
11 Monthly Payment 1,073.64 11 Monthly Payment 1,073.64 11 Monthly Payment 1,073.64 11 Monthly Payment
12 Yearly Payment 12,883.68 12 Yearly Payment 12,883.68 12 Yearly Payment 12,883.68 12 Yearly Payment
13 Cash Pymt (Own) 386,510.40 13 Cash Pymt (Own) 12,883.68 13 Cash Pymt (Own) 11,810.04 13 Cash Pymt (Own)
14 Cum. Interest 186,510.40 14 Cum. Interest 186,510.40 14 Cum. Interest 19,714.93 14 Cum. Interest
15 Cum. Principal 200,000.00 15 Cum. Principal 200,000.00 15 Cum. Principal 6,052.43 15 Cum. Principal
16 Cum. Payment 386,510.40 16 Cum. Payment 386,510.40 16 Cum. Payment 25,767.36 16 Cum. Payment
17 Outstdg. Balance (0.00) 17 Outstdg. Balance (0.00) 17 Outstdg. Balance 193,947.57 17 Outstdg. Balance
18 Total Investment 1,785,494.11 18 Total Investment 497,747.87 18 Total Investment 215,906.85 18 Total Investment
19 Surrender Value 200,000.00 19 Surrender Value 200,000.00 19 Surrender Value 6,052.43 19 Surrender Value
20 Comp. Div & Bonus1,585,494.11 20 Comp. Div & Bonu 671,374.59 20 Comp. Div & Bonus29,864.17 20 Comp. Div & Bonus
21 Total Termination 1,785,494.11 21 Total Termination 497,747.87 21 Total Termination 21,959.28 21 Total Termination
22 Profit 1,398,983.71 22 Profit 484,864.19 22 Profit 10,149.24 22 Profit
23 ROI 361.95% 23 ROI 3763.40% 23 ROI 85.94% 23 ROI
24 Annualized ROI 12.07% 24 Annualized ROI 125.45% 24 Annualized ROI 42.97% 24 Annualized ROI
Baki Min Month Div & Bns Baki Min Month Div & Bns Baki Min Month Div & Bns Baki Min Month
1 200,000.00 12 14,600.00 1 200,000.00 12 14,600.00 1 200,000.00 11 13,383.33 1 200,000.00 9
2 214,600.00 12 15,665.80 2 201,716.32 12 15,156.36 2 200,499.65 12 14,964.34 2 200,000.00 12
3 230,265.80 12 16,916.70 3 203,989.00 12 15,426.07 3 202,580.31 12 15,219.43 3 202,076.81 12
4 247,182.50 12 18,266.76 4 206,531.39 12 15,716.62 4 - 0 - 4 - 0
5 265,449.26 12 19,723.82 5 209,364.33 12 16,029.64 5 - 0 - 5 - 0
1,659,113.22 60 1,585,494.11 457,000.52348 651,508.97 202,580.31 24 30,183.77 202,076.81 24
Shahrol Faizal
Details
200,000.00
-
200,000.00
30
5.00%
7.25%
0.50%
March-16
April-18
24
1,073.64
12,883.68
11,596.44
19,714.93
6,052.43
25,767.36
193,947.57
215,744.14
6,052.43
29,915.06
21,796.57
10,200.13
87.96%
43.98%
Div & Bns
10,950.00
14,960.49
15,285.14
-
-
30,245.63
Pelaburan Tetap Bulanan : 555.56 Pelaburan Sekali Simpan : - Tarikh Melabur : 12 2013
Akhir Avg. Baki Avg. Baki Jumlah Modal Hasil Max Lmt Baki Boleh
Tahun % Dividen % Bonus Dividen Bonus ROI
Tahun Min. 1 Min. 10 Pelaburan Sendiri Dividen Pelbrn Labur
1 2014 6,667 - 361 7.25% 0.50% - 1.81 6,668.81 6,667 2 0.03% 200,264 193,595
2 2015 13,335 10,280 1,415 7.25% 0.50% 745.29 7.08 14,087.84 13,334
754 5.66% 200,754 186,666
3 2016 20,755 17,699 3,213 7.25% 0.50% 1,283.17 16.07 22,053.74 20,000
2,053 10.27% 202,053 180,000
4 2017 28,720 25,665 5,810 7.25% 0.50% 1,860.70 29.05 30,610.15 26,667
3,943 14.79% 203,943 173,333
5 2018 37,277 34,221 9,264 7.25% 0.50% 2,481.04 46.32 39,804.17 33,334
6,471 19.41% 206,471 166,666
6 2019 46,471 43,415 13,640 7.25% 0.50% 3,147.61 68.20 49,686.64 40,000
9,686 24.22% 209,686 160,000
7 2020 56,353 53,298 19,007 7.25% 0.50% 3,864.09 95.04 60,312.43 46,667
13,645 29.24% 213,645 153,333
8 2021 66,979 63,924 25,439 7.25% 0.50% 4,634.46 127.20 71,740.75 53,334
18,407 34.51% 218,407 146,666
9 2022 78,407 75,352 32,385 7.25% 0.50% 5,463.01 161.93 84,032.35 60,000
24,032 40.05% 224,032 140,000
10 2023 90,699 87,643 41,150 7.25% 0.50% 6,354.15 205.75 97,258.91 66,667
30,592 45.89% 230,592 133,333
11 2024 103,926 100,870 51,237 7.25% 0.50% 7,313.08 256.18 111,494.83 73,334
38,161 52.04% 238,161 126,666
12 2025 118,161 115,106 61,719 7.25% 0.50% 8,345.18 308.60 126,815.27 80,000
46,815 58.52% 246,815 120,000
13 2026 133,482 130,426 72,992 7.25% 0.50% 9,455.91 364.96 143,302.80 86,667
56,636 65.35% 256,636 113,333
14 2027 149,969 146,914 85,117 7.25% 0.50% 10,651.26 425.58 161,046.30 93,334
67,713 72.55% 267,713 106,666
15 2028 167,713 164,657 98,161 7.25% 0.50% 11,937.66 490.80 180,141.42 100,000 80,141 80.14% 280,141 100,000
16 2029 186,808 183,753 112,194 7.25% 0.50% 13,322.06 560.97 200,691.11 106,667 94,024 88.15% 294,024 93,333
17 2030 207,358 204,302 127,295 7.25% 0.50% 14,811.91 636.47 222,806.15 113,334 109,473 96.59% 309,473 86,666
18 2031 229,473 226,417 143,544 7.25% 0.50% 16,415.25 717.72 246,605.78 120,000 126,606 105.50% 326,606 80,000
19 2032 253,272 250,217 161,031 7.25% 0.50% 18,140.72 805.15 272,218.31 126,667 145,551 114.91% 345,551 73,333
20 2033 278,885 275,829 179,849 7.25% 0.50% 19,997.63 899.25 299,781.85 133,334 166,448 124.84% 366,448 66,666
21 2034 306,449 303,393 200,101 7.25% 0.50% 21,995.99 1,000.51 329,445.01 140,000 189,445 135.32% 389,445 60,000
30 2043 671,003 667,948 467,959 7.25% 0.50% 48,426.21 2,339.79 721,769.26 200,000 521,769 260.88% 721,769 (0)
Effective
Personal Loan Amount Flat Rate Tenure Interest Total Pymt Monthly Pymt
Rate
Jumlah PL 60,000 3.92% 6.98% 10 23,520 83,520 696.00
Jumlah LASB 800,000 - 5.00% 30 746,046 1,546,046 4,294.57
Takaful LASB - - 5.00% 30 - - -
Jumlah labur ASB 860,000 746,046 1,546,046 4,294.57
Dividen dan Bonus 7.25% 0.50%
Pymt Purata Baki Purata Baki Baki Tahunan LoanLASB
Balance
Awal Tahun Tahunan Akhir Tahun Dividen Bonus
Min. 1 Thn Min. 10 Thn
1 860,000 59,887 800,113 830,057 83,006 60,179 415 860,707 788,197
2 860,707 59,887 800,820 828,617 165,833 60,075 829 861,724 775,790
3 861,724 59,887 801,837 829,634 248,759 60,148 1,244 863,230 762,749
4 863,230 59,887 803,343 831,139 331,832 60,258 1,659 865,259 749,040
5 865,259 59,887 805,373 833,169 415,106 60,405 2,076 867,853 734,630
6 867,853 59,887 807,966 835,762 498,637 60,593 2,493 871,052 719,482
7 871,052 59,887 811,165 838,961 582,483 60,825 2,912 874,902 703,560
8 874,902 59,887 815,015 842,811 666,711 61,104 3,334 879,453 686,823
9 879,453 59,887 819,566 847,362 751,391 61,434 3,757 884,756 669,230
10 884,756 59,887 824,870 852,666 754,012 61,818 3,770 890,458 650,737
11 890,458 51,535 838,923 862,543 840,266 62,534 4,201 905,659 631,297
12 905,659 51,535 854,124 877,744 845,179 63,636 4,226 921,986 610,863
13 921,986 51,535 870,451 894,072 851,623 64,820 4,258 939,530 589,383
14 939,530 51,535 887,995 911,615 859,671 66,092 4,298 958,385 566,805
15 958,385 51,535 906,850 930,471 869,401 67,459 4,347 978,656 543,071
16 978,656 51,535 927,122 950,742 880,899 68,929 4,404 1,000,455 518,123
17 1,000,455 51,535 948,920 972,540 894,257 70,509 4,471 1,023,900 491,899
18 1,023,900 51,535 972,366 995,986 909,574 72,209 4,548 1,049,122 464,333
19 1,049,122 51,535 997,588 1,021,208 926,959 74,038 4,635 1,076,260 435,357
20 1,076,260 51,535 1,024,725 1,048,345 946,526 76,005 4,733 1,105,463 404,898
25 1,246,280 51,535 1,194,746 1,218,366 1,071,570 88,332 5,358 1,288,435 227,572
30 1,491,704 51,535 1,440,169 1,463,789 1,251,903 106,125 6,260 1,552,554 -
Yearly Pymt
Shahrol
Faizal
8,352.00
51,534.88
-
59,886.88
Loan Balance Hasil Topup

PL Terminate
55,700 16,810 -
51,090 34,844 -
46,147 54,334 -
40,848 75,371 -
35,168 98,055 -
29,078 122,492 -
22,549 148,793 -
15,549 177,080 -
8,045 207,482 -
- 239,721 -
- 274,362 -
- 311,123 -
- 350,146 -
- 391,580 -
- 435,585 -
- 482,331 -
- 532,001 -
- 584,789 -
- 640,903 -
- 700,565 -
- 1,060,862 -
- 1,552,554 -
ASB Amount Takaful Rate Tenure Dividen Bonus Loan Limit
Jumlah ASBF 200,000 - 5.00% 30 7.25% 0.50% ###
Note : Method = 1 - rolling dividen, 0 - compounded dividen
Pelaburan Pendapatan Aset Perincian
Awal Pymt Akhir Jumlah Loan Baki Hasil Hasil
Proxy Dividen Bonus
Tahun Tahunan Tahun Pelaburan Amount Pinjaman Terminate Principal
1 200,000 0 12,884 200,000 14,500 100 214,600 200,000 #VALUE! #VALUE! #VALUE!
2 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Hasil Pelaburan Keseluruhan 30 tahun : 125,183,566 Modal Keseluruhan 30 Tahun :
Pymt Yearly
Overide Loan Limit

TERMINATION
1,073.64 12,884
New Takaful
Umur
Max Tenure
METHOD
Perincian Hasil
Hasil Div Modal Untung ROI 25
Dikompoun Cumulative Cumulative
#VALUE! 12,884 #VALUE! #VALUE! 0 30 25 40 - -
#VALUE! #VALUE! #VALUE! #VALUE! 1 30 26 39 -
Modal Keseluruhan 30 Tahun : 12,884
ASB Amount Takaful Rate Tenure Dividen Bonus Loan Limit Pymt
Jumlah ASBF 200,000 - 5.00% 30 7.25% 0.50% 400,000 1,074
Note : Method = 1 - rolling dividen 0 - compounded dividen
Pelaburan Pendapatan Aset Perincian Hasil
Pymt Akhir Jumlah Loan Baki Hasil Untung
Awal Tahun Proxy Dividen Bonus
Tahunan Tahun Pelaburan Amount Pinjaman Terminate Cumulative
2 214,600 0 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 200,000 #VALUE! #VALUE! #VALUE!
3 #VALUE! 0 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 200,000 #VALUE! #VALUE! #VALUE!
Hasil Pelaburan Keseluruhan 30 tahun : 497,748 12,884
Jumlah ASBF 200,000 - 5.00% 30 7.25% 0.50% 400,000 1,073.64
Pymt Akhir Jumlah Loan Baki Hasil Untung

Awal Tahun Proxy Dividen Bonus
Tahunan Tahun Pelaburan Amount Pinjaman Terminate Cumulative
2 214,600 0 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 200,000 #VALUE! #VALUE! #VALUE!
Hasil Pelaburan Keseluruhan 30 tahun : 497,748 12,884
995,496 25,767
Yearly
Semakan Umur
Overide Loan Limit

12,884
New Takaful
Termination
Max Tenure
Method
Perincian Hasil
ROI 39
#VALUE! 0 30 39 26 - -
#VALUE! 1 40 25 -
#VALUE! 1 41 24 -
#VALUE! 1 42 23 -
#VALUE! 1 43 22 -
#VALUE! 1 68 -3 -
12,884
Termination
Max Tenure
Loan Limit
Method
Takaful
ROI 37
#VALUE! 0 30 37 28 - -
#VALUE! 1 38 27 -
#VALUE! 1 39 26 -
#VALUE! 1 40 25 -
#VALUE! 1 41 24 -
#VALUE! 1 66 -1 -
3763%

ASBF Calculator 2016 Final Version

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ASBF Calculator 2016 Final Version

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Available Formats

Pelaburan Awal : 100,000 Rate : 5.

30% Tarikh Mula Labur: 12 2016

Loan Balance Hasil Topup

Overide Loan Limit

Pymt Akhir Jumlah Loan Baki Hasil Untung

Overide Loan Limit

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