php8m investment example


.		Worked Example showing what could be achieved using certain Rural Bank Products in the Philippines
.		NB: This is for illustrative purposes only, it is not suggested it is followed, without taking independent financial advice
.
.	Rural Bank 1
.		Deposit #	Account	Product	Depositor(s)	Cash Inv.	20% Adv. Int.	DEPOSIT	Interest pm
.		1	Single	6 Year 'Hybrid' CTD	Guy	Php 200,000	50,000	250,000	Php 4,166.67
.		2	Single	6 Year 'Hybrid' CTD	Wife	Php 200,000	50,000	250,000	Php 4,166.67
.		3	Single	6 Year 'Hybrid' CTD	Guy ITF Child1	Php 200,000	50,000	250,000	Php 4,166.67
.		4	Single	6 Year 'Hybrid' CTD	Wife ITF Child2	Php 200,000	50,000	250,000	Php 4,166.67
.		5	Joint	6 Year 'Hybrid' CTD	Guy and/or Wife	Php 200,000	50,000	250,000	Php 4,166.67
.		6	Joint	6 Year 'Hybrid' CTD	Guy and/or ITF Child 1	Php 200,000	50,000	250,000	Php 4,166.67
.		7	Joint	6 Year 'Hybrid' CTD	Wife and/or ITF Child 2	Php 200,000	50,000	250,000	Php 4,166.67
.		8	Joint	6 Year 'Hybrid' CTD	Guy ITF Child 1 and/or Wife ITF Child 2	Php 200,000	50,000	250,000	Php 4,166.67
.						Php 1,600,000	Php 400,000	Php 2,000,000	Php 33,333
.
.	Rural Bank 2
.		Deposit #	Account	Product	Depositor(s)	Cash Inv.	20% Adv. Int.	DEPOSIT	Interest pm
.		1	Single	6 Year 'Hybrid' CTD	Guy	Php 200,000	50,000	250,000	Php 4,166.67
.		2	Single	6 Year 'Hybrid' CTD	Wife	Php 200,000	50,000	250,000	Php 4,166.67
.		3	Single	6 Year 'Hybrid' CTD	Guy ITF Child1	Php 200,000	50,000	250,000	Php 4,166.67


.		4	Single	6 Year 'Hybrid' CTD	Wife ITF Child2	Php 200,000	50,000	250,000	Php 4,166.67
.		5	Joint	6 Year 'Hybrid' CTD	Guy and/or Wife	Php 200,000	50,000	250,000	Php 4,166.67
.		6	Joint	6 Year 'Hybrid' CTD	Guy and/or ITF Child 1	Php 200,000	50,000	250,000	Php 4,166.67
.		7	Joint	6 Year 'Hybrid' CTD	Wife and/or ITF Child 2	Php 200,000	50,000	250,000	Php 4,166.67
.		8	Joint	6 Year 'Hybrid' CTD	Guy ITF Child 1 and/or Wife ITF Child 2	Php 200,000	50,000	250,000	Php 4,166.67
.						Php 1,600,000	Php 400,000	Php 2,000,000	Php 33,333
.
.	Rural Bank 3
.		Deposit #	Account	Product	Depositor(s)	DEPOSIT	20% Int.		Interest pm
.		1	Single	5 Year Time Deposit	Guy	Php 250,000	50,000		Php 4,167
.		2	Single	5 Year Time Deposit	Wife	Php 250,000	50,000		Php 4,167
.		3	Single	5 Year Time Deposit	Guy ITF Child1	Php 250,000	50,000		Php 4,167
.		4	Single	5 Year Time Deposit	Wife ITF Child2	Php 250,000	50,000		Php 4,167
.		5	Joint	5 Year Time Deposit	Guy and/or Wife	Php 250,000	50,000		Php 4,167
.		6	Joint	5 Year Time Deposit	Guy and/or ITF Child 1	Php 250,000	50,000		Php 4,167
.		7	Joint	5 Year Time Deposit	Wife and/or ITF Child 2	Php 250,000	50,000		Php 4,167
.		8	Joint	5 Year Time Deposit	Guy ITF Child 1 and/or Wife ITF Child 2	Php 250,000	50,000		Php 4,167
.						Php 2,000,000	Php 400,000		Php 33,333
.
.	Rural Bank 4

Deposit #

Account

Product

Depositor(s)

DEPOSIT

20% Int.

Interest pm

Single

5 Year Time Deposit

Guy

Php 250,000

50,000

Php 4,167

Single

5 Year Time Deposit

Wife

Php 250,000

50,000

Php 4,167

Single

5 Year Time Deposit

Guy ITF Child1

Php 250,000

50,000

Php 4,167

Single

5 Year Time Deposit

Wife ITF Child2

Php 250,000

50,000

Php 4,167

Joint

5 Year Time Deposit

Guy and/or Wife

Php 250,000

50,000

Php 4,167

Joint

5 Year Time Deposit

Guy and/or ITF Child 1

Php 250,000

50,000

Php 4,167

Joint

5 Year Time Deposit

Wife and/or ITF Child 2

Php 250,000

50,000

Php 4,167

Joint

5 Year Time Deposit

Guy ITF Child 1 and/or Wife ITF Child 2

Php 250,000

50,000

Php 4,167

Php 2,000,000

Php 400,000

Php 33,333

CASH Investment (consideration)

Php 7,200,000

DEPOSIT Total (Returned after 5 Years)

Php 4,000,000

DEPOSIT Total (Returned after 6 Years)

Php 4,000,000

Interest Received pm

Php 133,333

Additional Deposit consideration, providing re-investment to help protect Capital against Inflation.

Rural Bank 5

Deposit #

Account

Product

Depositor(s)

Cash Inv.

20% Adv. Int.

DEPOSIT

Interest pm


.		1	Single	6 Year 'Hybrid' CTD	Guy	Php 200,000	50,000	250,000	Php 4,167
.		2	Single	6 Year 'Hybrid' CTD	Wife	Php 200,000	50,000	250,000	Php 4,167
.			Single	6 Year 'Hybrid' CTD	Guy ITF Child1		0	0	Php 0
.			Single	6 Year 'Hybrid' CTD	Wife ITF Child2		0	0	Php 0
.		3	Joint	6 Year 'Hybrid' CTD	Guy and/or Wife	Php 200,000	50,000	250,000	Php 4,167
.			Joint	6 Year 'Hybrid' CTD	Guy and/or ITF Child 1		0	0	Php 0
.			Joint	6 Year 'Hybrid' CTD	Wife and/or ITF Child 2		0	0	Php 0
.		4	Joint	6 Year 'Hybrid' CTD	Guy ITF Child 1 and/or Wife ITF Child 2	Php 200,000	50,000	250,000	Php 4,167
.						Php 800,000	Php 200,000	Php 1,000,000	Php 16,667
.
.	Rural Bank 6						Rural Bank 5	Interest pm	DEPOSIT	Interest pm
.						Month 1	Php 16,667
.						Month 2	Php 16,667
.						Month 3	Php 16,667
.						Month 4	Php 16,667
.						Month 5	Php 16,667
.		1	Single	5 Year Time Deposit	Guy	Month 6	Php 16,667	Php 100,000	Php 1,667
.						Month 7	Php 16,667
.						Month 8	Php 16,667
.						Month 9	Php 16,667


.					Month 10	Php 16,667
.					Month 11	Php 16,667
.	2	Single	5 Year Time Deposit	Wife	Month 12	Php 16,667	Php 100,000	Php 1,667
.					Month 13	Php 16,667
.					Month 14	Php 16,667
.					Month 15	Php 16,667
.					Month 16	Php 16,667
.					Month 17	Php 16,667
.	3	Single	5 Year Time Deposit	Guy ITF Child1	Month 18	Php 16,667	Php 100,000	Php 1,667
.					Month 19	Php 16,667
.					Month 20	Php 16,667
.					Month 21	Php 16,667
.					Month 22	Php 16,667
.					Month 23	Php 16,667
.	4	Single	5 Year Time Deposit	Wife ITF Child2	Month 24	Php 16,667	Php 100,000	Php 1,667
.					Month 25	Php 16,667
.					Month 26	Php 16,667
.					Month 27	Php 16,667
.					Month 28	Php 16,667
.					Month 29	Php 16,667


.	5	Joint	5 Year Time Deposit	Guy and/or Wife	Month 30	Php 16,667	Php 100,000	Php 1,667
.					Month 31	Php 16,667
.					Month 32	Php 16,667
.					Month 33	Php 16,667
.					Month 34	Php 16,667
.					Month 35	Php 16,667
.	6	Joint	5 Year Time Deposit	Guy and/or ITF Child 1	Month 36	Php 16,667	Php 100,000	Php 1,667
.					Month 37	Php 16,667
.					Month 38	Php 16,667
.					Month 39	Php 16,667
.					Month 40	Php 16,667
.					Month 41	Php 16,667
.	7	Joint	5 Year Time Deposit	Wife and/or ITF Child 2	Month 42	Php 16,667	Php 100,000	Php 1,667
.					Month 43	Php 16,667
.					Month 44	Php 16,667
.					Month 45	Php 16,667
.					Month 46	Php 16,667
.					Month 47	Php 16,667
.	8	Joint	5 Year Time Deposit	Guy ITF Child 1 and/or Wife ITF Child 2	Month 48	Php 16,667	Php 100,000	Php 1,667
.					Month 49	Php 16,667


.					Month 50	Php 16,667
.					Month 51	Php 16,667
.					Month 52	Php 16,667
.					Month 53	Php 16,667
.	9	Single	5 Year Time Deposit	Guy	Month 54	Php 16,667	Php 100,000	Php 1,667
.					Month 55	Php 16,667
.					Month 56	Php 16,667
.					Month 57	Php 16,667
.					Month 58	Php 16,667
.					Month 59	Php 16,667
.	10	Single	5 Year Time Deposit	Wife	Month 60	Php 16,667	Php 100,000	Php 1,667
.							Php 1,000,000	Php 16,667
.
.				CASH Investment (consideration)	Php 8,000,000
.				DEPOSIT Total (Returned after 5 Years)	Php 4,000,000
.				DEPOSIT Total (Returned after 6 Years)	Php 5,000,000
.			DEPOSIT Total (Returned by end of Year 10)			Php 1,000,000
.				CAPITAL TOTAL	Php 10,000,000
.			TOTAL Interest Received pm (after Year 5) =						Php 150,000
.