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