MyPersonalFinancialCheckUp

24Mei2016

Dear.MrsCarlie
Pleasefindthefollowingsummaryselectionofyourneeds:
RetirementPlan

Milions (IDR)

Inthecurrentage12yearsold,Youplantoretireatage46yearsold,Estimatedtotalretirementexpense
Rp.6,131,575,234.
With investments over the period 34 years, Estimated future value of your retirement fund
Rp.1,754,261,878withannualrateofreturn3.00%.

Yourfundwillcoveryour

15 000

-5 000

expenseuntilage49years

12 17 22 27 32 37 42 47 52
Age (years)

Cash flow
Estimated future value of your retirement fund
Estimated total retirement expense per year

Toclosethegapwithreturnp.a.3.00%,investmentamountrequired:

IDR.8,247,821/month

or

IDR.2,244,431,842LumpSum

Followingcompariosin3differentinstruments:

12 21 30 39 48

7 500

-2 500

Age (years)

Stock
Milions (IDR)

-10 000

Deposit
Milions (IDR)

Milions (IDR)

Saving
10 000

12 21 30 39 48
Age (years)

800 000

12 21 30 39 48
Age (years)

Returnp.a.2.00%

Returnp.a.6.57%

Returnp.a.21.12%

Yourfundwillcoveryour
expenseuntilage48years

Yourfundwillcoveryour
expenseuntilage52Years

Youhaveinsufficientfund

investmentamountrequired:

investmentamountrequired:

IDR.10,075,541/month
or
IDR.3,127,276,069LumpSum

IDR.3,748,522/month
or
IDR.704,665,850LumpSum

SummaryofyourOtherSpecificNeeds:others

YouwillreceiveIDR.84,692,453after10yearsforneedsothers.
WiththedevelopmentofyourcurrentfundsinthefuturecanbeIDR.2,741,093,arenotsufficetocoverthe
needsofthosefundswithamountIDR.84,692,453.
Toclosethegap,Investmentamountrequiredyoumustinvestedwith:

IDR.594,303/month
or

IDR.62,784,397LumpSum
Followingcomparisonin3differentinstruments:

Saving

Deposit

Stock

Returnp.a.

2.00%

6.57%

21.12%

IDR.616,450

IDR.482,139

IDR.199,232

IDR.43,371,706

IDR.12,061,395

Reguler/month
Investmentstrategy

or
LumpSum

IDR.67,228,659

DISCLAIMER:
1.PT.BankOCBCNISPTbk("Bank")isregisteredandsupervisedbytheFinancialServicesAuthority(FSA)..
2.ThisinformationwaspreparedbytheBankwiththematerialcontainedinformationreferencefromvarioussourcesconsideredreliablebytheBank.However,theBankdoesnotguaranteetheaccuracy
andcompletenessofallprojections,opinionsorotherstatisticalfactsstatedintheinformationalmaterials.
3.Inclusionofpastperformancedataonlyforthecalculationassumptions,soitcannotbeusedtoguaranteethefutureperformance.
4.Data,projections,opinionsorstatisticfactsarelistedforinformationalpurposesonlyandisnotintendedtobeusedasthebasisofinvestmentdecisions.
5.Thisinformationmaychangeatanytimewithoutpriornotice.Forfurtherinformation,pleasecontactCallOCBCNISPatnumber1500999/viaHPat66999ortothenearestbranchofBankOCBC
NISP.