Beruflich Dokumente
Kultur Dokumente
KEWANGAN
O Rumus anuiti : S =
O Amaun, S = 1000
= RM 14, 486.56
O
ORumus nilai masa kini :
A=
ONilai kini,
OA = 1000 x
= 6,710.08 x 0.7938
= RM 5326.68
Kompaun berterusan
O Kompaun
Contoh soalan
O Cari
a) Amaun anuiti
b) Nilai kini anuiti
Bagi satu anuiti sebanyak RM1000
setahun untuk 10 tahun pada kadar
12%.
a) Amaun anuiti
O
S=R
S = 1000
S = RM 18 197.02
b) Nilai kini anuiti
O
A=R
A = 1000
A = RM 5480.86
Membanding & Menilai Pelan
(Endowmen Tulen)
O APure Endowment planis the opposite
of a term insurance plan.
O In this plan, the Liccompany promises to
pay the life insured a specified amount
(sum insured) only if he/shesurvives till the
policy term. If the life insured dies during
the policy period,nothing will be payable.
O So in short, this plan offers onlymaturity
benefitin the event of the life insured
surviving the entire tenure of the plan.
There is no death cover.
For example :
O Naveen takes a pure endowment plan from
insurance company xyz for a sum insured
of 75 lakhs for 30 years. The Policy
document specifies that if Naveen survives
the entire policy term of 30 years, the
insurance company will pay Naveen a sum
of Rs. 75 lakhs on the maturity of the policy.
O However, if Naveen dies during the policy
term of 30 years then he will not get
anydeath cover.
Anuiti
O-suatu kontrak di mana syarikat insurans bersetuju untuk menyediakan
seseorang dengan pendapatan yang berterusan untuk sepanjang hayat,
sebagai balasan kepada caruman premium yang dibayar sekali gus.
O Ia
memastikan bayaran sekali gus anda itu ditukar menjadi pendapatan
untuk seumur hidup, dengan itu meringankan ketidaktentuan dan
masalah yang mungkin anda akan hadapi sekiranya anda kehabisan
sumber kewangan semasa hayat bersara.