Nilai Masa Wang 1

PERANCANGAN MEMBELI RUMAH Harga rumah Pendahuluan Tempohmasa Kadar pulangan dijangka

250,000.00 25,000.00 3 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 r

=

Bulan 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34

500

35%

Simpanan Baki awal Baki akhir + dividen 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 7,930.21 8,326.72 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 16,256.94 17,069.79 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85 660.85

Bulan 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34

Simpanan Baki awal 500 500 500 500 500 500 500 500 500 500 500 500 6,000.00 500 500 500 500 500 500 500 500 500 500 500 500 14,090.54 500 500 500 500 500 500 500 500 500 500

35 36

660.85 660.85

25,000.00

35 36

500 500 25,000.00

setiap bulan?

Baki akhir + dividen

8,090.54

19,000.00

PERANCANGAN HAJI Tahun Jumlah diperlukan Tempohmasa Pulangan dijangka

12,000.00 5 tahun 5%

Berapakah jumlah yang perlu dilaburkan setiap bulan? PMT

= =

1 2 3 4 5

Baki awal Simpanan 0 2,171.70 2,280.28 2,171.70 4,674.58 2,171.70 7,188.59 2,171.70 9,828.30 2,171.70

($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 n

Tahun

=

8 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

5% dan jumlah yang mampu dilabur

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 Umur ke universiti Tempoh tabungan Kos masa kini Kadar inflasi

12 18 6 9,015.00 4.00%

Kos masa depan Tahun belajar Kadar inflasi Jumlah diperlukan

$11,406.85 3 4.00% $35,607.63

Tabungan sekarang Kadar pulangan Keperluan tabungan

$0.00 8% $4,853.87 setahun $404.49 sebulan $22,438.84 lump sum

3% $5,504.85 $458.74 $29,820.83

15% $4,067.71 $338.98 $15,394.16

3% $19,051.30 $1,587.61 $118,695.00

10% $15,387.08 $1,282.26 $74,910.76

HAZIM Perubatan, UIA Umur Umur ke universiti Tempoh tabungan Kos masa kini Kadar inflasi Kos masa depan Tahun belajar Jumlah diperlukan Tabungan sekarang Kadar pulangan Keperluan tabungan

11 18 7 39,565.00 3.00% $48,659.96 3 $145,979.88 $0.00 7% $16,868.44 setahun $1,405.70 sebulan $90,908.93 lump sum

inflation 4%

$11,406.85 $11,863.12 $12,337.65 $35,607.63

Save @ 5% Baki awal $33,572.86 $23,274.31 $11,981.75

Withdrawal after w/d $11,406.85 $22,166.01 $11,863.12 $11,411.19 $12,337.65 ($355.90)

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 Umur persaraan Tempoh untuk bekerja Pendapatan selepas cukai sekarang Perbelanjaan tahunan sekarang (jika tidak pasti, gunakan Sasaran Nisbah Penggantian (TRR) 80% dari pendapatan) Anggaran kadar inflasi Nilai masa depan perbelanjaan tahunan Anggaran kadar pulangan selepas persaraan Anggaran kadar inflasi selepas bersara Kadar pulangan sebenar Anggaran jangka hayat selepas bersara Modal diperlukan bagi menjana pendapatan untuk menampung perbelanjaan tahunan Anggaran jumlah KWSP pada masa persaraan Baki modal yang diperlukan pada masa persaraan Anggaran kadar pulangan pelaburan sehingga umur persaraan OPTION 1: LUMP SUMP INVESTMENT Current Lump Sum Investment Required OPTION 2: YEARLY/MONTHLY INVESTMENT ONLY Current Yearly Investment Required Current Monthly Investment Required

24 55 31 60,000.00 36,000.00 4% $121,432.80 8.00% 4.00% 3.85% 20 $1,673,023.43 500,000.00 $1,173,023.43 8%

$107,936.98

$9,510.03 $792.50

86,445.29

1% $1,559,953.06

$143,540.72

$12,646.98 $1,053.92

$9,510.03 $19,780.87 $30,873.38 $42,853.28 $55,791.58 $69,764.94 $84,856.17 $101,154.69 $118,757.10 $137,767.70 $158,299.16 $180,473.12 $204,421.01 $230,284.72 $258,217.53

Simpanan di Perbelanjaan Jangka tolak perbelanjaan meningkat pada hayat pulangan 5% 4% setahun $1,673,023.43 $121,432.80 1 $1,629,170.16 $126,290.11 2 $1,578,024.04 $131,341.72 3 $1,519,016.44 $136,595.39 4 $1,451,542.10 $142,059.20 5 $1,374,957.04 $147,741.57 6 $1,288,576.25 $153,651.23 7 $1,191,671.26 $159,797.28 8 $1,083,467.68 $166,189.18 9 $963,142.43 $172,836.74 10 $829,820.97 $179,750.21 11 $682,574.29 $186,940.22 12 $520,415.78 $194,417.83 13 $342,297.84 $202,194.54 14 $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 ($1,128,827.77) $255,840.60 20 ($1,453,901.79) $3,616,035.54

Pengiraan untuk memastikan jumlah tabung persaraan mencukupi bagi membiayai perbelanjaan selepas bersara

Tabung persaraan Kadar pulangan Kadar inflasi Perbelanjaan tahunan

Tahun 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

$1,173,023.43 5% 4% $121,432.80

Baki awal Belanja $1,173,023.43 $121,432.80 $1,104,170.16 $126,290.11 $1,026,774.04 $131,341.72 $940,203.94 $136,595.39 $843,788.98 $142,059.20 $736,816.26 $147,741.57 $618,528.43 $153,651.23 $488,121.05 $159,797.28 $344,739.95 $166,189.18 $187,478.32 $172,836.74 $15,373.65 $179,750.21 ($172,595.39) $186,940.22 ($377,512.39) $194,417.83 ($600,526.73) $202,194.54 ($842,857.33) $210,282.32 ($1,105,796.64) $218,693.62 ($1,390,714.77) $227,441.36 ($1,699,063.94) $236,539.02 ($2,032,383.11) $246,000.58 ($2,392,302.87) $255,840.60

0.01

Jumlah Pulangan Baki akhir $1,051,590.62 $52,579.53 $1,104,170.16 $977,880.04 $48,894.00 $1,026,774.04 $895,432.32 $44,771.62 $940,203.94 $803,608.55 $40,180.43 $843,788.98 $701,729.77 $35,086.49 $736,816.26 $589,074.69 $29,453.73 $618,528.43 $464,877.19 $23,243.86 $488,121.05 $328,323.77 $16,416.19 $344,739.95 $178,550.78 $8,927.54 $187,478.32 $14,641.58 $732.08 $15,373.65 ($164,376.56) ($8,218.83) ($172,595.39) ($359,535.61) ($17,976.78) ($377,512.39) ($571,930.22) ($28,596.51) ($600,526.73) ($802,721.27) ($40,136.06) ($842,857.33) ($1,053,139.66) ($52,656.98) ($1,105,796.64) ($1,324,490.26) ($66,224.51) ($1,390,714.77) ($1,618,156.13) ($80,907.81) ($1,699,063.94) ($1,935,602.96) ($96,780.15) ($2,032,383.11) ($2,278,383.68) ($113,919.18) ($2,392,302.87) ($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 Kadar pulangan sebelum bersara Tempoh untuk bekerja Tahun

Baki awal 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

0 $10,080.64 $20,766.11 $32,092.71 $44,098.91 $56,825.48 $70,315.65 $84,615.22 $99,772.77 $115,839.78 $132,870.80 $150,923.68 $170,059.74 $190,343.96 $211,845.24

$9,510.03 8% 31

Tahunan Jumlah Pulangan Baki akhir $9,510.03 $9,510.03 570.60 $10,080.64 $9,510.03 $19,590.67 1,175.44 $20,766.11 $9,510.03 $30,276.14 1,816.57 $32,092.71 $9,510.03 $41,602.75 2,496.16 $44,098.91 $9,510.03 $53,608.95 3,216.54 $56,825.48 $9,510.03 $66,335.52 3,980.13 $70,315.65 $9,510.03 $79,825.68 4,789.54 $84,615.22 $9,510.03 $94,125.26 5,647.52 $99,772.77 $9,510.03 $109,282.81 6,556.97 $115,839.78 $9,510.03 $125,349.81 7,520.99 $132,870.80 $9,510.03 $142,380.83 8,542.85 $150,923.68 $9,510.03 $160,433.72 9,626.02 $170,059.74 $9,510.03 $179,569.78 10,774.19 $190,343.96 $9,510.03 $199,854.00 11,991.24 $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 Umur persaraan Tempoh untuk bekerja Pendapatan selepas cukai sekarang Perbelanjaan tahunan sekarang (jika tidak pasti, gunakan Sasaran Nisbah Penggantian (TRR) 80% dari pendapatan) Anggaran kadar inflasi Nilai masa depan perbelanjaan tahunan Anggaran kadar pulangan selepas persaraan Anggaran kadar inflasi selepas bersara Kadar pulangan sebenar Anggaran jangka hayat selepas bersara Modal diperlukan bagi menjana pendapatan untuk menampung perbelanjaan tahunan Anggaran jumlah KWSP pada masa persaraan Baki modal yang diperlukan pada masa persaraan Anggaran kadar pulangan pelaburan sehingga umur persaraan OPTION 1: LUMP SUMP INVESTMENT Current Lump Sum Investment Required OPTION 2: YEARLY/MONTHLY INVESTMENT ONLY Current Yearly Investment Required Current Monthly Investment Required

40 55 15 60,000.00 48,000.00 4% $86,445.29 5% 4% 0.96% 20 $1,566,010.69 761,136.24 $804,874.45 6%

$335,845.99

$34,579.63 $2,881.64

Pengiraan jumlah tabungan KWSP bagi SARAAN 2 Umur mula bekerja Umur bersara Tempoh bekerja Gaji permulaan Kenaikan tahunan Sumbangan sendiri Sumbangan majikan Dividen KWSP Umur 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

Tahun 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022

24 55 31 1,250.00 sebulan 9% 10% 12% 5% Gaji 15,000.00 16,350.00 17,821.50 19,425.44 21,173.72 23,079.36 25,156.50 27,420.59 29,888.44 32,578.40 35,510.46 38,706.40 42,189.97 45,987.07 50,125.91 54,637.24 59,554.59 64,914.50 70,756.81 77,124.92 84,066.16 91,632.12 96,000.00 96,000.00 96,000.00 96,000.00 96,000.00 96,000.00 96,000.00 96,000.00 96,000.00 96,000.00

S/Sendiri S/Majikan 1,500.00 1,800.00 1,635.00 1,962.00 1,782.15 2,138.58 1,942.54 2,331.05 2,117.37 2,540.85 2,307.94 2,769.52 2,515.65 3,018.78 2,742.06 3,290.47 2,988.84 3,586.61 3,257.84 3,909.41 3,551.05 4,261.25 3,870.64 4,644.77 4,219.00 5,062.80 4,598.71 5,518.45 5,012.59 6,015.11 5,463.72 6,556.47 5,955.46 7,146.55 6,491.45 7,789.74 7,075.68 8,490.82 7,712.49 9,254.99 8,406.62 10,087.94 9,163.21 10,995.85 9,600.00 11,520.00 9,600.00 11,520.00 9,600.00 11,520.00 9,600.00 11,520.00 9,600.00 11,520.00 9,600.00 11,520.00 9,600.00 11,520.00 9,600.00 11,520.00 9,600.00 11,520.00 9,600.00 11,520.00

Baki awal Pengeluaran 3,300.00 0.00 7,062.00 0.00 11,335.83 0.00 16,176.22 0.00 21,643.25 0.00 27,802.87 0.00 34,727.44 15,000.00 41,746.34 0.00 50,409.12 0.00 60,096.82 0.00 70,913.96 0.00 82,975.07 30,000.00 94,905.62 0.00 109,768.05 0.00 126,284.15 0.00 144,618.55 0.00 164,951.49 0.00 187,480.25 0.00 212,420.76 0.00 240,009.28 0.00 270,504.30 0.00 304,188.59 0.00 340,518.01 0.00 378,663.92 0.00 418,717.11 0.00 460,772.97 0.00 504,931.61 0.00 551,298.20 0.00 599,983.11 0.00 651,102.26 0.00 704,777.37 0.00 761,136.24

15,000.00 setahun

Baki 3,300.00 7,062.00 11,335.83 16,176.22 21,643.25 27,802.87 19,727.44 41,746.34 50,409.12 60,096.82 70,913.96 52,975.07 94,905.62 109,768.05 126,284.15 144,618.55 164,951.49 187,480.25 212,420.76 240,009.28 270,504.30 304,188.59 340,518.01 378,663.92 418,717.11 460,772.97 504,931.61 551,298.20 599,983.11 651,102.26 704,777.37

Dividen 165.00 353.10 566.79 808.81 1,082.16 1,390.14 986.37 2,087.32 2,520.46 3,004.84 3,545.70 2,648.75 4,745.28 5,488.40 6,314.21 7,230.93 8,247.57 9,374.01 10,621.04 12,000.46 13,525.22 15,209.43 17,025.90 18,933.20 20,935.86 23,038.65 25,246.58 27,564.91 29,999.16 32,555.11 35,238.87

Baki akhir 3,465.00 7,415.10 11,902.62 16,985.03 22,725.41 29,193.01 35,713.81 43,833.66 52,929.57 63,101.66 74,459.66 85,623.82 99,650.90 115,256.45 132,598.36 151,849.48 173,199.06 196,854.27 223,041.80 252,009.75 284,029.52 319,398.01 357,543.92 397,597.11 439,652.97 483,811.61 530,178.20 578,863.11 629,982.26 683,657.37 740,016.24

Down payment apartment

Reduce loan apartment

Gaji mati

ANALISA KEPERLUAN PERSARAAN MENGIRA MODAL BAGI MENJANA PENDAPATAN BERTERUSAN UNTUK PESARA DAN WARIS (SETELAH PESARA MENINGGAL DUNIA) Umur sekarang Umur persaraan Tempoh untuk bekerja Pendapatan selepas cukai sekarang Perbelanjaan tahunan sekarang (jika tidak pasti, gunakan Sasaran Nisbah Penggantian (TRR) 80% dari pendapatan) Anggaran kadar inflasi Nilai masa depan perbelanjaan tahunan Anggaran kadar pulangan selepas persaraan Anggaran kadar inflasi selepas bersara Kadar pulangan sebenar Anggaran jangka hayat selepas bersara Modal diperlukan bagi menjana pendapatan untuk menampung perbelanjaan tahunan Anggaran jumlah KWSP pada masa persaraan Baki modal yang diperlukan pada masa persaraan Anggaran kadar pulangan pelaburan sehingga umur persaraan OPTION 1: LUMP SUMP INVESTMENT Current Lump Sum Investment Required OPTION 2: YEARLY/MONTHLY INVESTMENT ONLY Current Yearly Investment Required Current Monthly Investment Required

40 55 15 60,000.00 48,000.00 4% $86,445.29 5.00% 4.00% 0.96% 20 $8,990,309.98 0.00 $8,990,309.98 6%

$3,751,342.24

$386,248.57 $32,187.38

DCF ANALYSIS RRR = 10%

PROJECT XYZ YEAR

Cashflow

PV

0

(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

DIFFERENCE

45,000.00

NPV

PVIF

(270,000.00)

252,455.50

(17,544.50)

RRR = 10%

PROJECT A YEAR

Cashflow 0

(205,000.00)

1

100,000.00

2

PV

Cashflow

(205,000.00)

(250,000.00)

0.9091

90,910.00

105,000.00

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

252,455.50

360,000.00

TOTAL INFLOW

315,000.00

DIFFERENCE

110,000.00

NPV

PVIF

PROJECT B

110,000.00 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