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发表于 8-3-2018 11:43 PM
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jack.limky 发表于 8-3-2018 11:00 PM
你这是用银行定期算法利搭利。
我写明了是17%of yearly premium
yearly premium = 100k, 17%=17k, 33%=33k
10 years premium = 1m, 10x17%=170k, 10x33%=330k
yearly premium = 10k, 17%=1.7k, 33%=33k
1 ...
10 years premium = 100k, 10x17%=17k, 10x33%=33k???
也就是說 100K+17k+33k =150K (RM150000)
我又用當今FD 3.35% RM100,000,interest add to principal 20年,
Year | Year Interest (3.35%) | Total Interest | Balance | RM100000 | 1 | $3,350.00 | $3,350.00 | $103,350.00 | 2 | $3,462.23 | $6,812.23 | $106,812.23 | 3 | $3,578.21 | $10,390.43 | $110,390.43 | 4 | $3,698.08 | $14,088.51 | $114,088.51 | 5 | $3,821.97 | $17,910.48 | $117,910.48 | 6 | $3,950.00 | $21,860.48 | $121,860.48 | 7 | $4,082.33 | $25,942.81 | $125,942.81 | 8 | $4,219.08 | $30,161.89 | $130,161.89 | 9 | $4,360.42 | $34,522.31 | $134,522.31 | 10 | $4,506.50 | $39,028.81 | $139,028.81 | 11 | $4,657.47 | $43,686.28 | $143,686.28 | 12 | $4,813.49 | $48,499.77 | $148,499.77 | 13 | $4,974.74 | $53,474.51 | $153,474.51 | 14 | $5,141.40 | $58,615.91 | $158,615.91 | 15 | $5,313.63 | $63,929.54 | $163,929.54 | 16 | $5,491.64 | $69,421.18 | $169,421.18 | 17 | $5,675.61 | $75,096.79 | $175,096.79 | 18 | $5,865.74 | $80,962.53 | $180,962.53 | 19 | $6,062.24 | $87,024.77 | $187,024.77 | 20 | $6,265.33 | $93,290.10 | $193,290.10 |
那個多些呢?
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