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MP2 Scenarios
MP2 Scenarios
MP2 Scenarios
61
Dividend Option: Compounded Savings
Contrib. Option: Monthly
Contribution Uniform Non-uniform Cumulative Ave. Monthly
Date Contributions Contrib (Optional) Contributions Balance
1/31/2020 1,500.00 - 1,500.00 -
2/29/2020 1,500.00 - 3,000.00 250.00
3/31/2020 1,500.00 - 4,500.00 625.00
4/30/2020 1,500.00 - 6,000.00 1,125.00
5/31/2020 1,500.00 - 7,500.00 1,750.00
6/30/2020 1,500.00 - 9,000.00 2,500.00
7/31/2020 1,500.00 - 10,500.00 3,375.00
8/31/2020 1,500.00 - 12,000.00 4,375.00
9/30/2020 1,500.00 - 13,500.00 5,500.00
10/31/2020 1,500.00 - 15,000.00 6,750.00
11/30/2020 1,500.00 - 16,500.00 8,125.00
12/31/2020 1,500.00 - 18,000.00 9,625.00
1/31/2021 1,500.00 - 20,221.88 11,310.16
2/28/2021 1,500.00 - 21,721.88 13,120.31
3/31/2021 1,500.00 - 23,221.88 15,055.47
4/30/2021 1,500.00 - 24,721.88 17,115.63
5/31/2021 1,500.00 - 26,221.88 19,300.78
6/30/2021 1,500.00 - 27,721.88 21,610.94
7/31/2021 1,500.00 - 29,221.88 24,046.09
8/31/2021 1,500.00 - 30,721.88 26,606.25
9/30/2021 1,500.00 - 32,221.88 29,291.41
10/31/2021 1,500.00 - 33,721.88 32,101.56
11/30/2021 1,500.00 - 35,221.88 35,036.72
12/31/2021 1,500.00 - 36,721.88 38,096.88
1/31/2022 1,500.00 - 41,079.14 41,520.14
2/28/2022 1,500.00 - 42,579.14 45,068.40
3/31/2022 1,500.00 - 44,079.14 48,741.66
4/30/2022 1,500.00 - 45,579.14 52,539.92
5/31/2022 1,500.00 - 47,079.14 56,463.18
6/30/2022 1,500.00 - 48,579.14 60,511.45
7/31/2022 1,500.00 - 50,079.14 64,684.71
8/31/2022 1,500.00 - 51,579.14 68,982.97
9/30/2022 1,500.00 - 53,079.14 73,406.23
10/31/2022 1,500.00 - 54,579.14 77,954.49
11/30/2022 1,500.00 - 56,079.14 82,627.75
12/31/2022 1,500.00 - 57,579.14 87,426.02
1/31/2023 1,500.00 - 65,636.09 92,895.69
2/28/2023 1,500.00 - 67,136.09 98,490.36
3/31/2023 1,500.00 - 68,636.09 104,210.04
4/30/2023 1,500.00 - 70,136.09 110,054.71
5/31/2023 1,500.00 - 71,636.09 116,024.39
6/30/2023 1,500.00 - 73,136.09 122,119.06
7/31/2023 1,500.00 - 74,636.09 128,338.74
8/31/2023 1,500.00 - 76,136.09 134,683.41
9/30/2023 1,500.00 - 77,636.09 141,153.08
10/31/2023 1,500.00 - 79,136.09 147,747.76
11/30/2023 1,500.00 - 80,636.09 154,467.43
12/31/2023 1,500.00 - 82,136.09 161,312.11
1/31/2024 1,500.00 - 95,734.50 169,289.98
2/29/2024 1,500.00 - 97,234.50 177,392.86
3/31/2024 1,500.00 - 98,734.50 185,620.73
4/30/2024 1,500.00 - 100,234.50 193,973.61
5/31/2024 1,500.00 - 101,734.50 202,451.48
6/30/2024 1,500.00 - 103,234.50 211,054.36
7/31/2024 1,500.00 - 104,734.50 219,782.23
8/31/2024 1,500.00 - 106,234.50 228,635.11
9/30/2024 1,500.00 - 107,734.50 237,612.98
10/31/2024 1,500.00 - 109,234.50 246,715.86
11/30/2024 1,500.00 - 110,734.50 255,943.73
12/31/2024 1,500.00 - 112,234.50 265,296.61
1/31/2025 (132,131.75)
-3.7% 42,131.75
Scenario Details:
Total Contributions = 30K, thus contribs are as follows -- monthly: P500/month, annual: P6K/year, and lump sum:P30K one time)
Compounded Savings option is selected.
Dividends are received every December, and is constant every year (7.5%, per official Pag-IBIG computations)
SCENARIO: MONTHLY CONTRIBUTIONS
AVE. MONTHLY START MONTH
SEPTEMBER OCTOBER NOVEMBER DECEMBER JANUARY '21 BALANCE JANUARY '20 FEBRUARY MARCH
31.25 18.75 9.38 3.13 - 12/31/2020 3,250.00 3,000.00 2,750.00
399.84 360.82 321.80 282.77 243.75 12/31/2021 9,493.75 8,973.44 8,453.13
879.83 837.88 795.93 753.98 712.03 12/31/2022 16,205.78 15,646.45 15,087.11
1,395.82 1,350.72 1,305.63 1,260.53 1,215.43 12/31/2023 23,421.21 22,819.93 22,218.64
1,950.51 1,902.03 1,853.55 1,805.07 1,756.59 12/31/2024 31,177.81 30,531.42 29,885.04
- - - - 2,338.34 12/31/2024
4,657.25 4,470.20 4,286.28 4,105.48 6,266.14
3,250.00
9,493.75
16,205.78
23,421.21
31,177.81
JANUARY '21
6,000.00
12,450.00
19,383.75
26,837.53
34,850.35
JANUARY '21
30,000.00
32,250.00
34,668.75
37,268.91
40,064.07