TOTALS - 180,000.00 214,315.80 214,315.

80
Dividend Option: Compounded Savings
Contrib. Option: Non-Uniform
Contribution Uniform Non-uniform Cumulative Ave. Monthly
Date Contributions Contrib (Optional) Contributions Balance
1/31/2020 - -
2/29/2020 - - -
3/31/2020 - - -
4/30/2020 - - -
5/31/2020 - - -
6/30/2020 - - -
7/31/2020 - - - -
8/31/2020 - 2,500.00 2,500.00 208.33
9/30/2020 - 50,000.00 52,500.00 4,583.33
10/31/2020 - 2,500.00 55,000.00 9,166.67
11/30/2020 - 2,500.00 57,500.00 13,958.33
12/31/2020 - 2,500.00 60,000.00 60,000.00
1/31/2021 - 2,500.00 67,000.00 67,000.00
2/28/2021 - 2,500.00 69,500.00 69,500.00
3/31/2021 - 2,500.00 72,000.00 72,000.00
4/30/2021 - 2,500.00 74,500.00 74,500.00
5/31/2021 - 2,500.00 77,000.00 77,000.00
6/30/2021 - 2,500.00 79,500.00 79,500.00
7/31/2021 - 2,500.00 82,000.00 82,000.00
8/31/2021 - 2,500.00 84,500.00 84,500.00
9/30/2021 - 2,500.00 87,000.00 87,000.00
10/31/2021 - 2,500.00 89,500.00 89,500.00
11/30/2021 - 2,500.00 92,000.00 92,000.00
12/31/2021 - 2,500.00 94,500.00 94,500.00
1/31/2022 - 2,500.00 104,087.50 104,087.50
2/28/2022 - 2,500.00 106,587.50 106,587.50
3/31/2022 - 2,500.00 109,087.50 109,087.50
4/30/2022 - 2,500.00 111,587.50 111,587.50
5/31/2022 - 2,500.00 114,087.50 114,087.50
6/30/2022 - 2,500.00 116,587.50 116,587.50
7/31/2022 - 2,500.00 119,087.50 119,087.50
8/31/2022 - 2,500.00 121,587.50 121,587.50
9/30/2022 - 2,500.00 124,087.50 124,087.50
10/31/2022 - 2,500.00 126,587.50 126,587.50
11/30/2022 - 2,500.00 129,087.50 129,087.50
12/31/2022 - 2,500.00 131,587.50 131,587.50
1/31/2023 - 2,500.00 143,956.56 143,956.56
2/28/2023 - 2,500.00 146,456.56 146,456.56
3/31/2023 - 2,500.00 148,956.56 148,956.56
4/30/2023 - 2,500.00 151,456.56 151,456.56
5/31/2023 - 2,500.00 153,956.56 153,956.56
6/30/2023 - 2,500.00 156,456.56 156,456.56
7/31/2023 - 2,500.00 158,956.56 158,956.56
8/31/2023 - 2,500.00 161,456.56 161,456.56
9/30/2023 - 2,500.00 163,956.56 163,956.56
10/31/2023 - 2,500.00 166,456.56 166,456.56
11/30/2023 - 2,500.00 168,956.56 168,956.56
12/31/2023 - 2,500.00 171,456.56 171,456.56
1/31/2024 - 2,500.00 186,815.80 186,815.80
 2/29/2024 - 2,500.00 189,315.80 189,315.80
3/31/2024 - 2,500.00 191,815.80 191,815.80
4/30/2024 - 2,500.00 194,315.80 194,315.80
5/31/2024 - 2,500.00 196,815.80 196,815.80
6/30/2024 - 2,500.00 199,315.80 199,315.80
7/31/2024 - 2,500.00 201,815.80 201,815.80
8/31/2024 - 2,500.00 204,315.80 204,315.80
9/30/2024 - 2,500.00 206,815.80 206,815.80
10/31/2024 - 2,500.00 209,315.80 209,315.80
11/30/2024 - 2,500.00 211,815.80 211,815.80
12/31/2024 - 2,500.00 214,315.80 214,315.80
1/31/2025 (230,389.49) 180,000.00
160399.2% 50,389.49

Dividend Annual Dividend

Rate Dividends Year Rates
7.50% - 2020 $ 0.08
7.50% - 2021 $ 0.08
7.50% - 2022 $ 0.08
7.50% - 2023 $ 0.08
7.50% - 2024 $ 0.08
7.50% - 2025 $ 0.08
7.50% -
7.50% -
7.50% - Interest 1.075
7.50% - Annual 6000
7.50% -
7.50% 4,500.00 24 1 $ 6,450.00
7.50% - 25 2 $ 13,383.75
7.50% - 26 3 $ 20,837.53
7.50% - 27 4 $ 28,850.35
7.50% - 28 5 $ 37,464.12
7.50% - 29 6 $ 46,723.93
7.50% - 30 7 $ 56,678.23
7.50% - 31 8 $ 67,379.09
7.50% - 32 9 $ 78,882.52
7.50% - 33 10 $ 91,248.71
7.50% - 34 11 $ 104,542.37
7.50% - 35 12 $ 118,833.05
7.50% 7,087.50 36 13 $ 134,195.52
7.50% - 37 14 $ 150,710.19
7.50% - 38 15 $ 168,463.45
7.50% - 39 16 $ 187,548.21
7.50% - 40 17 $ 208,064.33
7.50% - 41 18 $ 230,119.15
7.50% - 42 19 $ 253,828.09
7.50% - 43 20 $ 279,315.19 36000
7.50% - 44 21 $ 338,963.83
7.50% - 45 22 $ 403,086.12
7.50% - 46 23 $ 472,017.58
7.50% - 47 24 $ 546,118.90
7.50% 9,869.06 48 25 $ 625,777.82
7.50% - 49 26 $ 711,411.15
7.50% - 50 27 $ 803,466.99
7.50% - 51 28 $ 902,427.01
7.50% - 52 29 $ 1,008,809.04
7.50% - 53 30 $ 1,123,169.72
7.50% - 54 31 $ 1,246,107.45
7.50% - 55 32 $ 1,378,265.51
7.50% - 56 33 $ 1,520,335.42
7.50% - 57 34 $ 1,673,060.57
7.50% - 58 35 $ 1,837,240.12
7.50% - 59 36 $ 2,013,733.13
7.50% 12,859.24 60 37 $ 2,203,463.11
7.50% - 61 38 $ 2,407,422.84
7.50% - 62 39 $ 2,626,679.56
7.50% - 63 40 $ 2,862,380.52
7.50% - 64 41 $ 3,115,759.06
7.50% - 65 42 $ 3,388,140.99
7.50% - 66 43
7.50% - 67 44
7.50% - 68
7.50% - 69
7.50% - 70
7.50% - 71
7.50% 16,073.69 72
SCENARIO: MONTHLY CONTRIBUTIONS
START MONTH
DIVIDENDS
JANUARY '20 FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST
12/31/2020 243.75 225.00 206.25 187.50 168.75 449.32 65.63 46.88
12/31/2021 712.03 673.01 633.98 594.96 555.94 516.91 477.89 438.87
12/31/2022 1,215.43 1,173.48 1,131.53 1,089.58 1,047.63 1,005.68 963.73 921.78
12/31/2023 1,756.59 1,711.49 1,666.40 1,621.30 1,576.21 1,531.11 1,486.01 1,440.92
12/31/2024 2,338.34 2,289.86 2,241.38 2,192.90 2,144.42 2,095.94 2,047.46 1,998.98
12/31/2024 - - - - - - - -
TOTALS 6,266.14 6,072.84 5,879.54 5,686.25 5,492.95 5,598.97 5,040.72 4,847.42

SCENARIO: ANNUAL CONTRIBUTIONS

START MONTH
DIVIDENDS
JANUARY '20 FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST
12/31/2020 450.00 450.00 450.00 450.00 450.00 720.47 225.00 187.50
12/31/2021 933.75 893.44 853.13 812.81 772.50 732.19 691.88 651.56
12/31/2022 1,453.78 1,410.45 1,367.11 1,323.77 1,280.44 1,237.10 1,193.77 1,150.43
12/31/2023 2,012.81 1,966.23 1,919.64 1,873.06 1,826.47 1,779.88 1,733.30 1,686.71
12/31/2024 2,613.78 2,563.70 2,513.62 2,463.54 2,413.46 2,363.38 2,313.30 2,263.22
12/31/2024 - - - - - - - -
TOTALS 7,464.12 7,283.81 7,103.49 6,923.18 6,742.86 6,833.02 6,157.23 5,939.42

SCENARIO: ONE-TIME LUMP SUM CONTRIBUTION

START MONTH
DIVIDENDS
JANUARY '20 FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST
12/31/2020 2,250.00 2,250.00 2,250.00 2,250.00 2,250.00 2,344.35 1,125.00 937.50
12/31/2021 2,418.75 2,404.69 2,390.63 2,376.56 2,362.50 2,348.44 2,334.38 2,320.31
12/31/2022 2,600.16 2,585.04 2,569.92 2,554.80 2,539.69 2,524.57 2,509.45 2,494.34
12/31/2023 2,795.17 2,778.92 2,762.67 2,746.42 2,730.16 2,713.91 2,697.66 2,681.41
12/31/2024 3,004.81 2,987.34 2,969.87 2,952.40 2,934.93 2,917.46 2,899.99 2,882.52
12/31/2024 - - - - - - - -
TOTALS 13,068.88 13,005.98 12,943.08 12,880.18 12,817.28 12,848.73 11,566.48 11,316.08

Scenario Details:
Total Contributions = 30K, thus contribs are as follows -- monthly: P500/month, annual: P6K/year, and lump sum:P30K one time)
Compounded Savings option is selected.
Dividends are received every December, and is constant every year (7.5%, per official Pag-IBIG computations)
 SCENARIO: MONTHLY CONTRIBUTIONS
AVE. MONTHLY START MONTH
SEPTEMBER OCTOBER NOVEMBER DECEMBER JANUARY '21 BALANCE JANUARY '20 FEBRUARY MARCH
31.25 18.75 9.38 3.13 - 12/31/2020 3,250.00 3,000.00 2,750.00
399.84 360.82 321.80 282.77 243.75 12/31/2021 9,493.75 8,973.44 8,453.13
879.83 837.88 795.93 753.98 712.03 12/31/2022 16,205.78 15,646.45 15,087.11
1,395.82 1,350.72 1,305.63 1,260.53 1,215.43 12/31/2023 23,421.21 22,819.93 22,218.64
1,950.51 1,902.03 1,853.55 1,805.07 1,756.59 12/31/2024 31,177.81 30,531.42 29,885.04
- - - - 2,338.34 12/31/2024
4,657.25 4,470.20 4,286.28 4,105.48 6,266.14

SCENARIO: ANNUAL CONTRIBUTIONS

AVE. MONTHLY START MONTH
SEPTEMBER OCTOBER NOVEMBER DECEMBER JANUARY '21 BALANCE JANUARY '20 FEBRUARY MARCH
150.00 112.50 75.00 37.50 - 12/31/2020 6,000.00 6,000.00 6,000.00
611.25 570.94 530.63 490.31 450.00 12/31/2021 12,450.00 11,912.50 11,375.00
1,107.09 1,063.76 1,020.42 977.09 933.75 12/31/2022 19,383.75 18,805.94 18,228.13
1,640.13 1,593.54 1,546.95 1,500.37 1,453.78 12/31/2023 26,837.53 26,216.38 25,595.23
2,213.14 2,163.06 2,112.98 2,062.89 2,012.81 12/31/2024 34,850.35 34,182.61 33,514.88
- - - - 2,613.78 12/31/2024
5,721.60 5,503.79 5,285.98 5,068.16 7,464.12

SCENARIO: ONE-TIME LUMP SUM CONTRIBUTION

AVE. MONTHLY START MONTH
SEPTEMBER OCTOBER NOVEMBER DECEMBER JANUARY '21 BALANCE JANUARY '20 FEBRUARY MARCH
750.00 562.50 375.00 187.50 - 12/31/2020 30,000.00 30,000.00 30,000.00
2,306.25 2,292.19 2,278.13 2,264.06 2,250.00 12/31/2021 32,250.00 32,062.50 31,875.00
2,479.22 2,464.10 2,448.98 2,433.87 2,418.75 12/31/2022 34,668.75 34,467.19 34,265.63
2,665.16 2,648.91 2,632.66 2,616.41 2,600.16 12/31/2023 37,268.91 37,052.23 36,835.55
2,865.05 2,847.58 2,830.11 2,812.64 2,795.17 12/31/2024 40,064.07 39,831.14 39,598.21
- - - - 3,004.81 12/31/2024
11,065.68 10,815.28 10,564.88 10,314.47 13,068.88
APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER
2,500.00 2,250.00 5,990.98 875.00 625.00 416.67 250.00 125.00 41.67
7,932.81 7,412.50 6,892.19 6,371.88 5,851.56 5,331.25 4,810.94 4,290.63 3,770.31
14,527.77 13,968.44 13,409.10 12,849.77 12,290.43 11,731.09 11,171.76 10,612.42 10,053.09
21,617.36 21,016.07 20,414.78 19,813.50 19,212.21 18,610.93 18,009.64 17,408.35 16,807.07
29,238.66 28,592.28 27,945.89 27,299.51 26,653.13 26,006.75 25,360.36 24,713.98 24,067.60

APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER

6,000.00 6,000.00 9,606.29 3,000.00 2,500.00 2,000.00 1,500.00 1,000.00 500.00
10,837.50 10,300.00 9,762.50 9,225.00 8,687.50 8,150.00 7,612.50 7,075.00 6,537.50
17,650.31 17,072.50 16,494.69 15,916.88 15,339.06 14,761.25 14,183.44 13,605.63 13,027.81
24,974.09 24,352.94 23,731.79 23,110.64 22,489.49 21,868.34 21,247.20 20,626.05 20,004.90
32,847.14 32,179.41 31,511.67 30,843.94 30,176.20 29,508.47 28,840.73 28,173.00 27,505.27

APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER

30,000.00 30,000.00 31,258.01 15,000.00 12,500.00 10,000.00 7,500.00 5,000.00 2,500.00
31,687.50 31,500.00 31,312.50 31,125.00 30,937.50 30,750.00 30,562.50 30,375.00 30,187.50
34,064.06 33,862.50 33,660.94 33,459.38 33,257.81 33,056.25 32,854.69 32,653.13 32,451.56
36,618.87 36,402.19 36,185.51 35,968.83 35,752.15 35,535.47 35,318.79 35,102.11 34,885.43
39,365.28 39,132.35 38,899.42 38,666.49 38,433.56 38,200.63 37,967.70 37,734.77 37,501.84
JANUARY '21

3,250.00
9,493.75
16,205.78
23,421.21
31,177.81

JANUARY '21

6,000.00
12,450.00
19,383.75
26,837.53
34,850.35

JANUARY '21

30,000.00
32,250.00
34,668.75
37,268.91
40,064.07