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Pranoto.SA
Kita bahas:
Future Value
FV : Nilai yang akan datang
Contoh: 1Menabung saat ini, dengan rate interest tertentu, berapa nilai tabungan kita 3 tahun yad? 2.Menginvestasikan dana sekarang, menjadi berapa besar dana kita 5 tahun yang akan datang?
1/19/2010
Pranoto.SA
FUTURE VALUE ( FV )
1. Single Deposit
I I
I = I ( 1+i) n
1/19/2010
Pranoto.SA
If : You are age 20, You invest $ 10,000 now, You obtain a compounded return of 6% annually, And withdraw at age 60. (after N = 40 years), How much you will receive? Then you will have $ 102,857. (single Dep)
FV = PV (present value) * ( F / P, 6%, 40 ) FV = $ 10,000 * (1,06)40 = $ 10,000 * 10.2857 = $102,857 P P
n=40
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C= C ((1+i)n-1)/i
1/19/2010
Pranoto.SA
Invest $ 10,000 every end year for 40 years,Obtain a compounded return of 6% annually, Withdraw at age 60, How much you will receive that?
FV = AV * (F/A, 6%, 40) FV = $ 10,000 * ( [ (1,06)40 1] / 0.06) = $ 10,000 * 154.762 = $ 1 547 620 (ann dep continue) (formula for F/A) (lookup the table)
1/19/2010
n=40
7
1 B
2 B
3 B
j B
B=B ((1+i)n-(1+i)n-j)/i
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Pranoto.SA
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Pranoto.SA
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Pranoto.SA
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Invest $ 10,000 every end year for 40 years,Obtain a compounded return of 6% annually, Withdraw at age 60. But cause of the problem then so you stop deposit after end of year 30. How much $ you will receive? (ann deposit incontinue)
141581 2
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Pranoto.SA
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PV
FV
FV = PV ( 1+i) ^ n
Given FV , Find PV ?
PV = F V / ( 1+i) ^ n
PV=?
A PV=(Ai/(1+i)^n)
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Pranoto.SA
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Example:
The Hotel Project will be build with Invesment:10 M , for 1 year construction is finish. Second year start to opening with continue cost 2 m, and benefit predicted 6M Interst rate 10%, How the project spected? (Check with NPV,NBC)
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Pranoto.SA
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Pranoto.SA
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