TIME IS OUR FRIEND : THE POWER OF COMPOUNDING

TABEL I ALPHA-10%
INVESTED END OF YEAR
AGE AMOUNT BALANCE
18 5,000,000 5,500,000
19 5,000,000 11,550,000
20 5,000,000 18,205,000
21 5,000,000 25,525,500
22 5,000,000 33,578,050
23 5,000,000 42,435,855
24 5,000,000 52,179,441
25 5,000,000 62,897,385
26 - 69,187,123
27 - 76,105,835
28 - 83,716,419
29 - 92,088,061
30 - 101,296,867
31 - 111,426,553
32 - 122,569,209
33 - 134,826,130
34 - 148,308,743
35 - 163,139,617
36 - 179,453,579
37 - 197,398,936
38 - 217,138,830
39 - 238,852,713
40 - 262,737,984
41 - 289,011,783
42 - 317,912,961
43 - 349,704,257
44 - 384,674,683
45 - 423,142,151
46 - 465,456,367
47 - 512,002,003
48 - 563,202,203
49 - 619,522,424
50 - 681,474,666
51 - 749,622,133
52 - 824,584,346
53 - 907,042,781
54 - 997,747,059
55 - 1,097,521,765
56 - 1,207,273,941
57 - 1,328,001,335
58 - 1,460,801,469
59 - 1,606,881,616
60 - 1,767,569,777
61 - 1,944,326,755
62 - 2,138,759,430
63 - 2,352,635,373
64 - 2,587,898,911
65 - 2,846,688,802
40,000,000
 TABEL II BETA-10%
INVESTED END OF YEAR
AGE AMOUNT BALANCE
18 - -
19 - -
20 - -
21 - -
22 - -
23 - -
24 - -
25 - -
26 5,000,000 5,500,000
27 5,000,000 11,550,000
28 5,000,000 18,205,000
29 5,000,000 25,525,500
30 5,000,000 33,578,050
31 5,000,000 42,435,855
32 5,000,000 52,179,441
33 5,000,000 62,897,385
34 5,000,000 74,687,123
35 5,000,000 87,655,835
36 5,000,000 101,921,419
37 5,000,000 117,613,561
38 5,000,000 134,874,917
39 5,000,000 153,862,408
40 5,000,000 174,748,649
41 5,000,000 197,723,514
42 5,000,000 222,995,866
43 5,000,000 250,795,452
44 5,000,000 281,374,997
45 5,000,000 315,012,497
46 5,000,000 352,013,747
47 5,000,000 392,715,122
48 5,000,000 437,486,634
49 5,000,000 486,735,297
50 5,000,000 540,908,827
51 5,000,000 600,499,710
52 5,000,000 666,049,681
53 5,000,000 738,154,649
54 5,000,000 817,470,113
55 5,000,000 904,717,125
56 5,000,000 1,000,688,837
57 5,000,000 1,106,257,721
58 5,000,000 1,222,383,493
59 5,000,000 1,350,121,842
60 5,000,000 1,490,634,027
61 5,000,000 1,645,197,429
62 5,000,000 1,815,217,172
63 5,000,000 2,002,238,889
64 5,000,000 2,207,962,778
65 5,000,000 2,434,259,056
200,000,000
 TABEL III
10% 15%
INVESTED EOY EOY
YEAR AMOUNT BALANCE BALANCE
18 5,000,000 5,500,000 5,750,000
19 - 6,050,000 6,612,500
20 - 6,655,000 7,604,375
21 - 7,320,500 8,745,031
22 - 8,052,550 10,056,786
23 - 8,857,805 11,565,304
24 - 9,743,586 13,300,099
25 - 10,717,944 15,295,114
26 - 11,789,738 17,589,381
27 - 12,968,712 20,227,789
28 - 14,265,584 23,261,957
29 - 15,692,142 26,751,251
30 - 17,261,356 30,763,938
31 - 18,987,492 35,378,529
32 - 20,886,241 40,685,308
33 - 22,974,865 46,788,104
34 - 25,272,351 53,806,320
35 - 27,799,587 61,877,268
36 - 30,579,545 71,158,858
37 - 33,637,500 81,832,687
38 - 37,001,250 94,107,590
39 - 40,701,375 108,223,729
40 - 44,771,512 124,457,288
41 - 49,248,663 143,125,881
42 - 54,173,530 164,594,763
43 - 59,590,883 189,283,978
44 - 65,549,971 217,676,574
45 - 72,104,968 250,328,060
46 - 79,315,465 287,877,269
47 - 87,247,011 331,058,860
48 - 95,971,712 380,717,689
49 - 105,568,884 437,825,342
50 - 116,125,772 503,499,143
51 - 127,738,349 579,024,015
52 - 140,512,184 665,877,617
53 - 154,563,403 765,759,260
54 - 170,019,743 880,623,149
55 - 187,021,717 1,012,716,621
56 - 205,723,889 1,164,624,114
57 - 226,296,278 1,339,317,731
58 - 248,925,906 1,540,215,391
59 - 273,818,496 1,771,247,699
60 - 301,200,346 2,036,934,854
61 - 331,320,380 2,342,475,083
62 - 364,452,418 2,693,846,345
63 - 400,897,660 3,097,923,297
64 - 440,987,426 3,562,611,791
65 - 485,086,169 4,097,003,560
THE MAGIC OF COMPUNDING
20% 25% 30%
EOY EOY EOY
BALANCE BALANCE BALANCE
6,000,000 6,250,000 6,500,000
7,200,000 7,812,500 8,450,000
8,640,000 9,765,625 10,985,000
10,368,000 12,207,031 14,280,500
12,441,600 15,258,789 18,564,650
14,929,920 19,073,486 24,134,045
17,915,904 23,841,858 31,374,259
21,499,085 29,802,322 40,786,536
25,798,902 37,252,903 53,022,497
30,958,682 46,566,129 68,929,246
37,150,419 58,207,661 89,608,020
44,580,502 72,759,576 116,490,426
53,496,603 90,949,470 151,437,553
64,195,923 113,686,838 196,868,819
77,035,108 142,108,547 255,929,465
92,442,129 177,635,684 332,708,305
110,930,555 222,044,605 432,520,796
133,116,666 277,555,756 562,277,035
159,740,000 346,944,695 730,960,145
191,688,000 433,680,869 950,248,189
230,025,600 542,101,086 1,235,322,645
276,030,719 677,626,358 1,605,919,439
331,236,863 847,032,947 2,087,695,271
397,484,236 1,058,791,184 2,714,003,852
476,981,083 1,323,488,980 3,528,205,007
 572,377,300 1,654,361,225 4,586,666,510
686,852,760 2,067,951,531 5,962,666,463
824,223,312 2,584,939,414 7,751,466,401
989,067,974 3,231,174,268 10,076,906,322
1,186,881,569 4,038,967,835 13,099,978,218
1,424,257,883 5,048,709,793 17,029,971,684
1,709,109,459 6,310,887,242 22,138,963,189
2,050,931,351 7,888,609,052 28,780,652,145
2,461,117,621 9,860,761,315 37,414,847,789
2,953,341,146 12,325,951,644 48,639,302,126
3,544,009,375 15,407,439,555 63,231,092,764
4,252,811,250 19,259,299,444 82,200,420,593
5,103,373,500 24,074,124,305 106,860,546,771
6,124,048,200 30,092,655,381 138,918,710,802
7,348,857,840 37,615,819,226 180,594,324,042
8,818,629,408 47,019,774,033 234,772,621,255
10,582,355,289 58,774,717,541 305,204,407,631
12,698,826,347 73,468,396,926 396,765,729,921
15,238,591,617 91,835,496,158 515,795,448,897
18,286,309,940 114,794,370,197 670,534,083,566
21,943,571,928 143,492,962,747 871,694,308,636
26,332,286,314 179,366,203,434 1,133,202,601,227
31,598,743,576 224,207,754,292 1,473,163,381,595