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ASB Simulation

The document shows the details of two investment accounts over 30 years from 1990 to 2020. It tracks the annual interest earned, dividends paid out, bonuses applied, and total amounts in each account. The first account starts with an initial deposit of RM10,000 while the second starts with RM5,000. Both earn 8% annual interest while only the first receives additional monthly and annual deposits as well as annual bonuses. Over the 30 years the total amount in the first account grows much larger than the second due to the additional deposits and bonuses.

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Zharfan Mazli
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131 views8 pages

ASB Simulation

The document shows the details of two investment accounts over 30 years from 1990 to 2020. It tracks the annual interest earned, dividends paid out, bonuses applied, and total amounts in each account. The first account starts with an initial deposit of RM10,000 while the second starts with RM5,000. Both earn 8% annual interest while only the first receives additional monthly and annual deposits as well as annual bonuses. Over the 30 years the total amount in the first account grows much larger than the second due to the additional deposits and bonuses.

Uploaded by

Zharfan Mazli
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLS, PDF, TXT or read online on Scribd
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First money deposit 10,089.

80
Monthly deposit 3,500.00

No Age Year Interest Deposit Montly Deposit Total Deposit Dividend


1 28 2008 8% 10,089.80 3,500.00 52,089.80 4,167.18
2 29 2009 8% 56,256.98 3,500.00 98,256.98 7,860.56
3 30 2010 8% 106,117.54 3,500.00 148,117.54 11,849.40
4 31 2011 8% 159,966.95 3,500.00 201,966.95 16,157.36
5 32 2012 8% 218,124.30 3,500.00 260,124.30 20,809.94
6 33 2013 8% 280,934.25 3,500.00 322,934.25 25,834.74
7 34 2014 8% 348,768.99 3,500.00 390,768.99 31,261.52
8 35 2015 8% 422,030.50 3,500.00 464,030.50 37,122.44
9 36 2016 8% 501,152.94 3,500.00 543,152.94 43,452.24
10 37 2017 8% 586,605.18 3,500.00 628,605.18 50,288.41
11 38 2018 8% 678,893.59 3,500.00 720,893.59 57,671.49
12 39 2019 8% 778,565.08 3,500.00 820,565.08 65,645.21
13 40 2020 8% 886,210.29 3,500.00 928,210.29 74,256.82
14 41 2021 8% 1,002,467.11 3,500.00 1,044,467.11 83,557.37
15 42 2022 8% 1,128,024.48 3,500.00 1,170,024.48 93,601.96
16 43 2023 8% 1,263,626.44 3,500.00 1,305,626.44 104,450.12
17 44 2024 8% 1,410,076.55 3,500.00 1,452,076.55 116,166.12
18 45 2025 8% 1,568,242.68 3,500.00 1,610,242.68 128,819.41
19 46 2026 8% 1,739,062.09 3,500.00 1,781,062.09 142,484.97
20 47 2027 8% 1,923,547.06 3,500.00 1,965,547.06 157,243.76
21 48 2028 8% 2,122,790.83 3,500.00 2,164,790.83 173,183.27
22 49 2029 8% 2,337,974.09 3,500.00 2,379,974.09 190,397.93
23 50 2030 8% 2,570,372.02 3,500.00 2,612,372.02 208,989.76
Balance
56,256.98
106,117.54
159,966.95
218,124.30
280,934.25
348,768.99
422,030.50
501,152.94
586,605.18
678,893.59
778,565.08
886,210.29
1,002,467.11
1,128,024.48
1,263,626.44
1,410,076.55
1,568,242.68
1,739,062.09
1,923,547.06
2,122,790.83
2,337,974.09
2,570,372.02
2,821,361.78
First money deposit 5,000.00
Monthly deposit 0.00

No Age Year Interest Deposit Montly Deposit Total Deposit Dividend


1 28 2008 8% 5,000.00 0.00 5,000.00 400.00
2 29 2009 8% 5,400.00 0.00 5,400.00 432.00
3 30 2010 8% 5,832.00 0.00 5,832.00 466.56
4 31 2011 8% 6,298.56 0.00 6,298.56 503.88
5 32 2012 8% 6,802.44 0.00 6,802.44 544.20
6 33 2013 8% 7,346.64 0.00 7,346.64 587.73
7 34 2014 8% 7,934.37 0.00 7,934.37 634.75
8 35 2015 8% 8,569.12 0.00 8,569.12 685.53
9 36 2016 8% 9,254.65 0.00 9,254.65 740.37
10 37 2017 8% 9,995.02 0.00 9,995.02 799.60
11 38 2018 8% 10,794.62 0.00 10,794.62 863.57
12 39 2019 8% 11,658.19 0.00 11,658.19 932.66
13 40 2020 8% 12,590.85 0.00 12,590.85 1,007.27
14 41 2021 8% 13,598.12 0.00 13,598.12 1,087.85
15 42 2022 8% 14,685.97 0.00 14,685.97 1,174.88
16 43 2023 8% 15,860.85 0.00 15,860.85 1,268.87
17 44 2024 8% 17,129.71 0.00 17,129.71 1,370.38
18 45 2025 8% 18,500.09 0.00 18,500.09 1,480.01
19 46 2026 8% 19,980.10 0.00 19,980.10 1,598.41
20 47 2027 8% 21,578.51 0.00 21,578.51 1,726.28
Balance
5,400.00
5,832.00
6,298.56
6,802.44
7,346.64
7,934.37
8,569.12
9,254.65
9,995.02
10,794.62
11,658.19
12,590.85
13,598.12
14,685.97
15,860.85
17,129.71
18,500.09
19,980.10
21,578.51
23,304.79
ASB 45,000.00
OD 40,500.00

From OD Savings
Monthly to ASB 880.00 1,000.00
Yearly to ASB 10,560.00 12,000.00

Year Current ASB Savings Total ASB Dividend Total Dividend Curr. OD
1 45,000.00 12,000.00 67,560.00 8% 5,404.80 29,940.00
2 67,560.00 12,000.00 90,120.00 8% 7,209.60 24,784.80
3 90,120.00 12,000.00 112,680.00 8% 9,014.40 21,434.40
4 112,680.00 12,000.00 135,240.00 8% 10,819.20 19,888.80
5 135,240.00 12,000.00 157,800.00 8% 12,624.00 20,148.00
6 157,800.00 12,000.00 180,360.00 8% 14,428.80 22,212.00
7 180,360.00 12,000.00 202,920.00 8% 16,233.60 26,080.80
8 202,920.00 12,000.00 225,480.00 8% 18,038.40 31,754.40
9 225,480.00 12,000.00 248,040.00 8% 19,843.20 39,232.80
10 248,040.00 12,000.00 270,600.00 8% 21,648.00 48,516.00
11 270,600.00 12,000.00 293,160.00 8% 23,452.80 59,604.00
12 293,160.00 12,000.00 315,720.00 8% 25,257.60 72,496.80
13 315,720.00 12,000.00 338,280.00 8% 27,062.40 87,194.40
14 338,280.00 12,000.00 360,840.00 8% 28,867.20 103,696.80
15 360,840.00 12,000.00 383,400.00 8% 30,672.00 122,004.00

1 Convert ASB to Sijil


2 Convert Sijil to OD
3 Use money from OD to ASB monthly
4 Use dividend from ASB to OD
5 Repeat
BLR 6.75% 4450 1780

New OD OD Debt Interest New OD Debt Cash out Total Dividend Total ASB
35,344.80 -5,155.20 -347.98 -5,503.18 62,056.82 3,600.00 48,600.00
31,994.40 -8,505.60 -574.13 -9,079.73 81,040.27 3,888.00 52,488.00
30,448.80 -10,051.20 -678.46 -10,729.66 101,950.34 4,199.04 56,687.04
30,708.00 -9,792.00 -660.96 -10,452.96 124,787.04 4,534.96 61,222.00
32,772.00 -7,728.00 -521.64 -8,249.64 149,550.36 4,897.76 66,119.76
36,640.80 -3,859.20 -260.50 -4,119.70 176,240.30 5,289.58 71,409.34
42,314.40 1,814.40 122.47 1,936.87 204,856.87 5,712.75 77,122.09
49,792.80 9,292.80 627.26 9,920.06 235,400.06 6,169.77 83,291.86
59,076.00 18,576.00 1,253.88 19,829.88 267,869.88 6,663.35 89,955.21
70,164.00 29,664.00 2,002.32 31,666.32 302,266.32 7,196.42 97,151.62
83,056.80 42,556.80 2,872.58 45,429.38 338,589.38 7,772.13 104,923.75
97,754.40 57,254.40 3,864.67 61,119.07 376,839.07 8,393.90 113,317.66
114,256.80 73,756.80 4,978.58 78,735.38 417,015.38 9,065.41 122,383.07
132,564.00 92,064.00 6,214.32 98,278.32 459,118.32 9,790.65 132,173.71
152,676.00 112,176.00 7,571.88 119,747.88 503,147.88 10,573.90 142,747.61
Different
13,456.82
28,552.27
45,263.30
63,565.04
83,430.60
104,830.96
127,734.78
152,108.20
177,914.67
205,114.70
233,665.63
263,521.42
294,632.32
326,944.61
360,400.27
Tahun Dividen Bonus Total
1990 8 6 14
1991 8.5 4 12.5
1992 7.5 5 12.5
1993 9 4.5 13.5
1994 9.5 4.5 14
1995 10 3 13
1996 10.25 3 13.25
1997 10.25 1.25 11.5
1998 8 2.5 10.5
1999 10.5 1.5 12
2000 9.75 2 11.75
2001 7 3 10
2002 7 2 9
2003 7.25 2 9.25
2004 7.25 2 9.25
2005 7.25 1.75 9
2006 7.3 1.25 8.55
2007 8 1 9

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