CASE STUDY

BAB 5

Nama : Maria Hardina Wea

NPM : 1606950560

PLAN A PLAN B PLAN C PLAN D

Remaining FW FW FW FW
tahun years Reduce Reduce full full self-delayed Self- delayed spouse- delayed spouse-delayed
61 25
62 24 16800 16800
63 23 16800 34608
64 22 16800 53484
65 21 16800 73494
66 20 16800 94703
67 19 16800 117185 24000 24 12000 12000
68 18 16800 141016 24000 49440 12000 24720
69 17 16800 166277 24000 76406 12000 38203
70 16 16800 193054 24000 104991 29760 29760 29760 70255
71 15 16800 221437 24000 135290 29760 61306 29760 104231
72 14 16800 251524 24000 167408 29760 94744 29760 140245
73 13 16800 283415 24000 201452 29760 130189 29760 178419
74 12 16800 317220 24000 237539 29760 167760 29760 218884
75 11 16800 353053 24000 275792 29760 207585 29760 261777
76 10 16800 391036 24000 316339 29760 249801 29760 307244
77 9 16800 431298 24000 359319 29760 294549 29760 355439
78 8 16800 473976 24000 404879 29760 341982 29760 406525
79 7 16800 519215 24000 453171 29760 392260 29760 460677
80 6 16800 567168 24000 504362 29760 445556 29760 518077
81 5 16800 617998 24000 558623 29760 502049 29760 578922
82 4 16800 671878 24000 616141 29760 561932 29760 643417
83 3 16800 728990 24000 677109 29760 625408 29760 711782
84 2 16800 789530 24000 741736 29760 692693 29760 784249
85 1 16800 853702 24000 810240 29760 764014 29760 861064
Total FW $853,702 $810,240 $764,014 $861,064
Jumlah $403,200 $456,000 $476,160 $512,160

1. How much in total (without the time value of money considered) will each plan A through D pay
through age 85?
Answer :
- Plan A = $403,200
- Plan B = $456,000
- Plan C = $476,160
- Plan D =$512,160

2. What is the future worth at 6% per year of each plan at age 85?
- Plan A = $853,702
- Plan B = $810,240
- Plan C =$764,014
 - Plan D = $861,064

3. Plot the future worth values for all four plans on one spreadsheet graph.

1000000
900000
800000
700000
600000
Nilai Fw

reduce
500000
full
400000
Self-Delayed
300000
Spouse-delayed
200000
100000
0
0 20 40 60 80 100
tahun

4. Economically, what is the best combination of plans for Brad and Sheryl, assuming they both live
to be 85 years old?

Pilih spouse#1
5. Apakah system asuransi pensiunan ini cuku efektif untuk memberikan keuntungan lebih?
Jawab : Memberikan keuntungan karena semakin lam mereka menyimpan semakin
meningkatkan dana yang mereka peroleh.