Hasan Ali Ahmed a banker realised the important of saving and investment for education.

He decided to calculate the cost

i-Return/I 5%
i-Cost/Infl 4%
i-adjusted 0.96%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Afiq Akmal FV of Uni C 9,083

Age 7
18yrs old t 11 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM32,969.54
Latest University Cost
Fees/Year 3500 Step 3: How much to invest Yearly
Food 2000
Phone 200 PMT= RM2,828.69
Material 200
Total 5900 Monthly
RM235.72
 He decided to calculate the cost of education for his son Afiq Akmal in the future and calculate how much to invest per year until his s

with study for the first year.

ded at age of 18
o invest per year until his son Afiq Akmal goes to university. Assuming inflation cost at 4% investment return of 5%; Cost for one year=
of 5%; Cost for one year= University fee 3,500, food 2,000, phone 200, other material 200. His son going to enrol for 4years BIFB prog
enrol for 4years BIFB program at UUM at the age of 18 and he is now 7 years old. Remember to find adjusted rate of return before cal
d rate of return before calculating investment per year/monthly.
Nazifah a Chef realised the important of saving and investment for education from her mentor Chef Wan. He decided to ca
i-Return/I 5.5%
i-Cost/Infl 3.5%
i-adjusted 1.93%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Putri Siti FV of Uni C 147,165

Age 7
18yrs old t 11 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM540,548.51
Latest University Cost
Fees/Year 43000 Step 3: How much to invest Yearly
Food 15000
Phone 800 PMT= RM43,729.47
Accommoda 42000
Total 100800 Monthly
RM3,644.12
ntor Chef Wan. He decided to calculate the cost of education for her daughter PutriSiti in the future and calculate how much to invest

th study for the first year.

ed at age of 18
ulate how much to invest per year until her daughter PutriSiti goes to university. Assuming inflation cost at 3.5%; investment return of
3.5%; investment return of 5.5%; Cost for one year=University fee 43000,food for 15000, phone 800, other accommodation 42000. Her
ccommodation 42000. Her daughter going to enroll for 4 years United States Naval Academy at the age of 18 and she is now 7 years ol
8 and she is now 7 years old. Remember to find adjusted rate of return before calculating investment per year/monthly. *
Yestri Octari a deputy director at Bank Muamalat Indonesia understood the risk of not having a proper investment saving f
i-Return/I 4%
i-Cost/Infl 3%
i-adjusted 0.97%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Salsabila FV of Uni C 18,756

Age 4
18yrs old t 14 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM69,718.32
Latest University Cost
Fees/Year 8000 Step 3: How much to invest Yearly
Food 2500
Phone 300 PMT= RM4,628.27
Accommoda 1600
Total 12400 Monthly
RM385.69
 ving a proper investment saving for her daughter. He decided to calculate the cost of education for her daughter Nur Salsabila in the fu

with study for the first year.

ded at age of 18
hter Nur Salsabila in the future and calculate how much to invest per year until her daughter Nur Salsabila goes to university. Assumin
oes to university. Assuming inflation cost at 3%; investment return of 4%; Cost for one year=University fee 8000,food for 2500, phone
000,food for 2500, phone 300, other accommodation 1600. Her daughter going to enroll for 4 years Shariah Degree at Gadjah Mada U
Degree at Gadjah Mada Universiti at the age of 18 and she is now 4 years old. Remember to find adjusted rate of return before calcula
ate of return before calculating investment per year/monthly.
Hamzi an AKPK officer realised the important of saving and investment for education as he learned from his client experien
i-Return/I 4%
i-Cost/Infl 3%
i-adjusted 0.97%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Muhammad Zahid FV of Uni C 16,639

Age 3
18yrs old t 15 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM61,849.14
Latest University Cost
Fees/Year 7200 Step 3: How much to invest Yearly
Food 2500
Phone 300 PMT= RM3,813.25
Material 680
Total 10680 Monthly
RM317.77
 e learned from his client experiences. He decided to calculate the cost of education for his son Muhammad Zahid in the future and cal

with study for the first year.

ded at age of 18
Zahid in the future and calculate how much to invest per year until his son Muhammad Zahid goes to university. Assuming inflation cos
sity. Assuming inflation cost at 3%; investment return of 4%; Cost for one year=University fee 7200,food for 2500, phone 300, other ac
2500, phone 300, other accommodation 680. His son going to enroll for 4 years Bachelor of Actuary program at UiTM at the age of 18
at UiTM at the age of 18 and he is now 3 years old. Remember to find adjusted rate of return before calculating investment per year/
ating investment per year/monthly. *
Muhamad Zakwan a Wealthy businessman wanted to invest early for his first born baby. He decided to calculate the cost o
i-Return/I 8%
i-Cost/Infl 4.5%
i-adjusted 3.35%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Salsabila FV of Uni C 12,680

Age 1
18yrs old t 17 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM45,490.76
Latest University Cost
Fees/Year 2500 Step 3: How much to invest Yearly
Food 2400
Phone 300 PMT= RM1,963.66
Accommoda 800
Total 6000 Monthly
RM163.64
e decided to calculate the cost of education for his son Abdullah Haimi in the future and calculate how much to invest per year until hi

th study for the first year.

ed at age of 18
to invest per year until his son Abdullah Haimi goes to university. Assuming inflation cost at 4.5%; investment return of 8%; Cost for o
nt return of 8%; Cost for one year=University fee 2500,food for 2400, phone 300, other accommodation 800. Her daughter going to en
. Her daughter going to enroll for 4 years Business Management Degree at UiTM at the age of 18 and she is now 1 years old. Rememb
now 1 years old. Remember to find adjusted rate of return before calculating investment per year/monthly. *
Nur Shaffila a senior vice president at Risk Department of Bank of America understood the risk of not having a proper inve
i-Return/I 8%
i-Cost/Infl 4%
i-adjusted 3.85%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

SNA FV of Uni C 20,647

Age 5
18yrs old t 13 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM74,946.13
Latest University Cost
Fees/Year 8000 Step 3: How much to invest Yearly
Food 2500
Phone 300 PMT= RM4,382.80
Accommoda 1600
Total 12400 Monthly
RM365.23
 e risk of not having a proper investment saving for her daughter. He decided to calculate the cost of education for her daughter Sharifa

with study for the first year.

ded at age of 18
on for her daughter Sharifah Nur Ain in the future and calculate how much to invest per year until her daughter Sharifah Nur Ain goes
ter Sharifah Nur Ain goes to university. Assuming inflation cost at 4%; investment return of 8%; Cost for one year=University fee 8000,
year=University fee 8000,food for 2500, phone 300, other accommodation 1600. Her daughter going to enroll for 4 years Risk Manage
oll for 4 years Risk Management degree at the age of 18 and she is now 5 years old. Remember to find adjusted rate of return before c
ted rate of return before calculating investment per year/monthly. *
Hasan Ali Ahmed a banker realised the important of saving and investment for education. He decided to calculate the cost
i-Return/I 5%
i-Cost/Infl 4%
i-adjusted 0.96%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Afiq Akmal FV of Uni C 9,083

Age 7
18yrs old t 11 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM32,969.54
Latest University Cost
Fees/Year 3500 Step 3: How much to invest Yearly
Food 2000
Phone 200 PMT= RM2,828.69
Material 200
Total 5900 Monthly
RM235.72
 He decided to calculate the cost of education for his son Afiq Akmal in the future and calculate how much to invest per year until his s

with study for the first year.

ded at age of 18
o invest per year until his son Afiq Akmal goes to university. Assuming inflation cost at 4% investment return of 5%; Cost for one year=
of 5%; Cost for one year= University fee 3,500, food 2,000, phone 200, other material 200. His son going to enrol for 4years BIFB prog
enrol for 4years BIFB program at UUM at the age of 18 and he is now 7 years old. Remember to find adjusted rate of return before cal
d rate of return before calculating investment per year/monthly.
Syarifah Shakeerah a Citi banker realised the important of saving and investment for education from her beloved father. H
i-Return/I 7%
i-Cost/Infl 3%
i-adjusted 3.88%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Salsabila FV of Uni C 228,093

Age 6
18yrs old t 12 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM847,844.97
Latest University Cost
Fees/Year 80000 Step 3: How much to invest Yearly
Food 25000
Phone 900 PMT= RM54,680.56
Accommoda 54080
Total 159980 Monthly
RM4,556.71
tion from her beloved father. He decided to calculate the cost of education for her daughter Nurhuda in the future and calculate how

th study for the first year.

ed at age of 18
future and calculate how much to invest per year until her daughter Nurhuda goes to university. Assuming inflation cost at 3%; invest
nflation cost at 3%; investment return of 7%; Cost for one year=University fee 80000,food for 25000, phone 900, other accommodatio
900, other accommodation 54080. Her daughter going to enroll for 4 years Dental program at Durham University at the age of 18 and
ersity at the age of 18 and she is now 6 years old. Remember to find adjusted rate of return before calculating investment per year/mo
ng investment per year/monthly. *
Meliesa an actor realised the important of saving and investment for education from her mentor Rozita Che Wan. He decid
i-Return/I 12%
i-Cost/Infl 5%
i-adjusted 6.67%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Salsabila FV of Uni C 1,044,973

Age 3
18yrs old t 15 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM3,705,423.42
Latest University Cost
Fees/Year 53000 Step 3: How much to invest Yearly
Food 25100
Phone 879 PMT= RM141,828.64
Accommoda 423671
Total 502650 Monthly
RM11,819.05
ntor Rozita Che Wan. He decided to calculate the cost of education for her daughter Qamarina in the future and calculate how much to

study for the first year.

at age of 18
and calculate how much to invest per year until her daughter Qamarina goes to university. Assuming inflation cost at 5%; investment r
n cost at 5%; investment return of 12%; Cost for one year=University fee 53000,food for 25100, phone 879, other accommodation 423
other accommodation 423671. Her daughter going to enroll for 4 years London Artist Academy at the age of 18 and she is now 3 years
f 18 and she is now 3 years old. Remember to find adjusted rate of return before calculating investment per year/monthly
Syakirah a Central Banker realised the important of saving and investment for education from her beloved mother. He dec
i-Return/I 6%
i-Cost/Infl 4%
i-adjusted 1.92%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Dayana FV of Uni C 221,828

Age 4
18yrs old t 14 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM805,211.50
Latest University Cost
Fees/Year 50000 Step 3: How much to invest Yearly
Food 25000
Phone 900 PMT= RM49,711.68
Accommoda 52200
Total 128100 Monthly
RM4,142.64
om her beloved mother. He decided to calculate the cost of education for her daughter Nurdayana in the future and calculate how mu

th study for the first year.

ed at age of 18
ure and calculate how much to invest per year until her daughter NurDayana goes to university. Assuming inflation cost at 4%; investm
nflation cost at 4%; investment return of 6%; Cost for one year=University fee 50000,food for 25000, phone 900, other accommodation
900, other accommodation 52200. Her daughter going to enroll for 4 years Aeronautic Engineering at King's College London at the age
College London at the age of 18 and she is now 4 years old. Remember to find adjusted rate of return before calculating investment pe
e calculating investment per year/monthly.
Rizman a Naval officer realised the important of saving and investment for education from his uncle the ex-banker. He dec
i-Return/I 4%
i-Cost/Infl 3%
i-adjusted 0.97%
(1+Return/1+Inflation)-1 Step 1: Calculate FV of cost associated with study for the first year.

Salsabila FV of Uni C 55,775

Age 5
18yrs old t 13 Step 2: Calculate the cost for 4years needed at age of 18
Will go for 4yrs programme
PV= RM207,320.83
Latest University Cost
Fees/Year 30000 Step 3: How much to invest Yearly
Food 3500
Phone 400 PMT= RM14,895.09
Accommoda 4080
Total 37980 Monthly
RM1,241.26
his uncle the ex-banker. He decided to calculate the cost of education for his daughter Rakinah in the future and calculate how much t

th study for the first year.

ed at age of 18
and calculate how much to invest per year until his daughter Rakinah goes to university. Assuming inflation cost at 3%; investment ret
cost at 3%; investment return of 4%; Cost for one year=University fee 30000,food for 3500, phone 400, other accommodation 4080. H
er accommodation 4080. His daughter going to enroll for 4 years Medical program at IMU at the age of 18 and she is now 5 years old. R
nd she is now 5 years old. Remember to find adjusted rate of return before calculating investment per year/monthly.