Uni & Pension Plan
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Education Fund child1 child2 child3 child4 Year today 2008 2008 2008 2008 University fee 15,000.00 15,000.00 Age now 5 1 University years 4 4 4 4 University start age 18 18 18 18 Real return 5% 5% 5% 5% PV a year before uni 53,189.26 53,189.26 PV today 28,207.40 23,206.30 Investment per month 246.27 169.09 Investment per year 3,002.84 2,058.38 Year stop investing 2021 2025 2026 2026 Year child1 child2 child3 child4 Total 2008 3,002.84 2,058.38 5,061.22 2009 6,155.82 4,219.68 10,375.50 2010 9,466.45 6,489.04 15,955.49 2011 12,942.62 8,871.87 21,814.49 2012 16,592.59 11,373.84 27,966.43 2013 20,425.06 14,000.91 34,425.97 2014 24,449.15 16,759.34 41,208.49 2015 28,674.45 19,655.68 48,330.13 2016 33,111.01 22,696.84 55,807.86 2017 37,769.40 25,890.07 63,659.47 2018 42,660.71 29,242.95 71,903.66 2019 47,796.59 32,763.47 80,560.06 2020 53,189.26 36,460.03 89,649.28 2021 40,848.72 40,341.41 81,190.13 2022 27,891.16 44,416.85 72,308.01 2023 14,285.71 48,696.08 62,981.79 2024 53,189.26 53,189.26 2025 40,848.72 40,848.72 2026 27,891.16 27,891.16 2027 14,285.71 14,285.71 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 -
100,000 80,000 60,000 40,000 20,000 2 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 2 22 2 2 0 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 1 1 1 11 1 1 1 1 1 22 2 2 2 2 22 2 2 3 3 3 33 3 3 3 3 3 44 4 4 4 4 4 44 4 5 8 9 0 1 2 34 5 6 7 8 9 01 2 3 4 5 67 8 9 0 1 2 34 5 6 7 8 9 01 2 3 4 5 6 78 9 0
Retirement Fund Mr Mrs Year today 2008 2008 Income at retirement 25,000.00 Age now 34 34 Retirement age 65 65 Expected death 90 90 Real return 5% 5% PV a year before retired 352,348.61 PV today 77,643.36 Investment per month 411.04 Investment per year 4,979.43 Year stop investing 2039 2039 Year Mr Mrs Total 2008 4,979.43 4,979.43 2009 10,207.84 10,207.84 2010 15,697.66 15,697.66 2011 21,461.98 21,461.98 2012 27,514.51 27,514.51 2013 33,869.67 33,869.67 2014 40,542.59 40,542.59 2015 47,549.15 47,549.15 2016 54,906.04 54,906.04 2017 62,630.77 62,630.77 2018 70,741.75 70,741.75 2019 79,258.27 79,258.27 2020 88,200.61 88,200.61 2021 97,590.08 97,590.08 2022 107,449.01 107,449.01 2023 117,800.90 117,800.90 2024 128,670.37 128,670.37 2025 140,083.33 140,083.33 2026 152,066.92 152,066.92 2027 164,649.70 164,649.70 2028 177,861.62 177,861.62 2029 191,734.14 191,734.14 2030 206,300.28 206,300.28 2031 221,594.72 221,594.72 2032 237,653.89 237,653.89 2033 254,516.02 254,516.02 2034 272,221.25 272,221.25 2035 290,811.75 290,811.75 2036 310,331.77 310,331.77 2037 330,827.79 330,827.79 2038 352,348.61 352,348.61 2039 344,966.04 344,966.04 2040 337,214.35 337,214.35 2041 329,075.06 329,075.06 2042 320,528.82 320,528.82 2043 311,555.26 311,555.26 2044 302,133.02 302,133.02 2045 292,239.67 292,239.67 2046 281,851.66 281,851.66 2047 270,944.24 270,944.24 2048 259,491.45 259,491.45 2049 247,466.02 247,466.02 2050 234,839.32 234,839.32
350,000 250,000 150,000 50,000 -50,000 2 0 0 8
2 0 1 0
2 0 1 2
2 0 1 4
2 0 1 6
2 0 1 8
2 0 2 0
2 0 2 2
2 0 2 4
2 0 2 6
2 0 2 8
2 0 3 0
2 0 3 2
2 0 3 4
2 0 3 6
2 0 3 8
2051 2052 2053 2054 2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065 2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076 2077 2078 2079 2080
221,581.29 207,660.36 193,043.37 177,695.54 161,580.32 144,659.33 126,892.30 108,236.92 88,648.76 68,081.20 46,485.26 23,809.52 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
-
221,581.29 207,660.36 193,043.37 177,695.54 161,580.32 144,659.33 126,892.30 108,236.92 88,648.76 68,081.20 46,485.26 23,809.52 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
00
00
00
00
00 2 0 0 8
2 0 1 0
2 0 1 2
2 0 1 4
2 0 1 6
2 0 1 8
2 0 2 0
2 0 2 2
2 0 2 4
2 0 2 6
2 0 2 8
2 0 3 0
2 0 3 2
2 0 3 4
2 0 3 6
2 0 3 8
2 0 4 0
2 0 4 2
2 0 4 4
2 0 4 6
2 0 4 8
2 0 5 0
2 0 5 2
2 0 5 4
2 0 5 6
2 0 5 8
2 0 6 0
2 0 6 2
2 0 6 4
2 0 6 6
2 0 6 8
2 0 7 0
2 0 7 2
2 0 7 4
2 0 7 6
2 0 7 8
2 0 8 0
100,000 80,000 60,000 40,000 20,000 2 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 2 22 2 2 0 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 1 1 1 11 1 1 1 1 1 22 2 2 2 2 22 2 2 3 3 3 33 3 3 3 3 3 44 4 4 4 4 4 44 4 5 8 9 0 1 2 34 5 6 7 8 9 01 2 3 4 5 67 8 9 0 1 2 34 5 6 7 8 9 01 2 3 4 5 6 78 9 0
Retirement Fund Mr Mrs Year today 2008 2008 Income at retirement 25,000.00 Age now 34 34 Retirement age 65 65 Expected death 90 90 Real return 5% 5% PV a year before retired 352,348.61 PV today 77,643.36 Investment per month 411.04 Investment per year 4,979.43 Year stop investing 2039 2039 Year Mr Mrs Total 2008 4,979.43 4,979.43 2009 10,207.84 10,207.84 2010 15,697.66 15,697.66 2011 21,461.98 21,461.98 2012 27,514.51 27,514.51 2013 33,869.67 33,869.67 2014 40,542.59 40,542.59 2015 47,549.15 47,549.15 2016 54,906.04 54,906.04 2017 62,630.77 62,630.77 2018 70,741.75 70,741.75 2019 79,258.27 79,258.27 2020 88,200.61 88,200.61 2021 97,590.08 97,590.08 2022 107,449.01 107,449.01 2023 117,800.90 117,800.90 2024 128,670.37 128,670.37 2025 140,083.33 140,083.33 2026 152,066.92 152,066.92 2027 164,649.70 164,649.70 2028 177,861.62 177,861.62 2029 191,734.14 191,734.14 2030 206,300.28 206,300.28 2031 221,594.72 221,594.72 2032 237,653.89 237,653.89 2033 254,516.02 254,516.02 2034 272,221.25 272,221.25 2035 290,811.75 290,811.75 2036 310,331.77 310,331.77 2037 330,827.79 330,827.79 2038 352,348.61 352,348.61 2039 344,966.04 344,966.04 2040 337,214.35 337,214.35 2041 329,075.06 329,075.06 2042 320,528.82 320,528.82 2043 311,555.26 311,555.26 2044 302,133.02 302,133.02 2045 292,239.67 292,239.67 2046 281,851.66 281,851.66 2047 270,944.24 270,944.24 2048 259,491.45 259,491.45 2049 247,466.02 247,466.02 2050 234,839.32 234,839.32
350,000 250,000 150,000 50,000 -50,000 2 0 0 8
2 0 1 0
2 0 1 2
2 0 1 4
2 0 1 6
2 0 1 8
2 0 2 0
2 0 2 2
2 0 2 4
2 0 2 6
2 0 2 8
2 0 3 0
2 0 3 2
2 0 3 4
2 0 3 6
2 0 3 8
2051 2052 2053 2054 2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065 2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076 2077 2078 2079 2080
221,581.29 207,660.36 193,043.37 177,695.54 161,580.32 144,659.33 126,892.30 108,236.92 88,648.76 68,081.20 46,485.26 23,809.52 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
-
221,581.29 207,660.36 193,043.37 177,695.54 161,580.32 144,659.33 126,892.30 108,236.92 88,648.76 68,081.20 46,485.26 23,809.52 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
00
00
00
00
00 2 0 0 8
2 0 1 0
2 0 1 2
2 0 1 4
2 0 1 6
2 0 1 8
2 0 2 0
2 0 2 2
2 0 2 4
2 0 2 6
2 0 2 8
2 0 3 0
2 0 3 2
2 0 3 4
2 0 3 6
2 0 3 8
2 0 4 0
2 0 4 2
2 0 4 4
2 0 4 6
2 0 4 8
2 0 5 0
2 0 5 2
2 0 5 4
2 0 5 6
2 0 5 8
2 0 6 0
2 0 6 2
2 0 6 4
2 0 6 6
2 0 6 8
2 0 7 0
2 0 7 2
2 0 7 4
2 0 7 6
2 0 7 8
2 0 8 0
