| | | | | | | | | | | | | | | | . | | 3 Year 'Pre-Needs Buy Back' Pension Plans | | | | | | | | | | | | | | . | | | | | | | | | | | | | | | | . | | Proposed by: Salome P. Whittall (Code No. N009-0101-000016) Contact: +63 9273718611Code | | | | | | | | | | | | | | . | | Note: Products may change , and/or become unavailable for new investments, without prior notice. | | | | | | | | | | | | | | . | | Minimum PNBB deposits start @ Php100,000K, multiples of Php50K thereafter. | | | | | | | | | | | | | | . | | Illustrations prepared by : David Whittall mailto:hi.interest.rural.banks.ph@gmail.com | | | | | | | | | | | | | | . | | | | | | | | | | | | | | | | . | | | | | | | | | | | | | | | | . | | | | | | | | | | | | | | | | . | Start of | Cash | | 10% Plan | Plan | Plan | 90% Plan | Payment | | | | | | | | . | Month | Investment | Plan # | Adv. Pay | Investment | Value | Balance | Quarterly | | End of | | | PNBB | Creates | | . | 0 | 560,000 | PNBB-1 | 140,000 | 700,000 | 1,400,000 | 1,260,000 | 105,000 | | Month | Sum | Balance | Investment | Plan # | | . | 3 | Re-Investment | | | | | | 0.19 | | 3 | 145,000 | 25,000 | 80,000 | PNBB-2 | | . | 6 | 80,000 | PNBB-2 | 20,000 | 100,000 | 200,000 | 180,000 | 15,000 | | 6 | 167,500 | 7,500 | 120,000 | PNBB-3 | | . | 9 | 120,000 | PNBB-3 | 30,000 | 150,000 | 300,000 | 270,000 | 22,500 | | 9 | 180,000 | 20,000 | 160,000 | PNBB-4 | | . | 12 | 160,000 | PNBB-4 | 40,000 | 200,000 | 400,000 | 360,000 | 30,000 | | 12 | 222,500 | 22,500 | 160,000 | PNBB-5 | | . | 15 | 160,000 | PNBB-5 | 40,000 | 200,000 | 400,000 | 360,000 | 30,000 | | 15 | 262,500 | 22,500 | 200,000 | PNBB-6 | | . | 18 | 200,000 | PNBB-6 | 50,000 | 250,000 | 500,000 | 450,000 | 37,500 | | 18 | 307,500 | 27,500 | 240,000 | PNBB-7 | | . | 21 | 240,000 | PNBB-7 | 60,000 | 300,000 | 600,000 | 540,000 | 45,000 | | 21 | 365,000 | 5,000 | 280,000 | PNBB-8 | | . | 24 | 280,000 | PNBB-8 | 70,000 | 350,000 | 700,000 | 630,000 | 52,500 | | 24 | 410,000 | 10,000 | 360,000 | PNBB-9 | |
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| | | | | | | | | | | | | | | | . | 27 | 360,000 | PNBB-9 | 90,000 | 450,000 | 900,000 | 810,000 | 67,500 | | 27 | 490,000 | 10,000 | 400,000 | PNBB-10 | | . | 30 | 400,000 | PNBB-10 | 100,000 | 500,000 | 1,000,000 | 900,000 | 75,000 | | 30 | 580,000 | 20,000 | 480,000 | PNBB-11 | | . | 33 | 480,000 | PNBB-11 | 120,000 | 600,000 | 1,200,000 | 1,080,000 | 90,000 | | 33 | 695,000 | 15,000 | 560,000 | PNBB-12
| | . | 36 | 560,000 | PNBB-12
| 140,000 | 700,000 | 1,400,000 | 1,260,000 | 105,000 | | 36 | 712,500 | 712,500 | 680,000 | PNBB-13 | | . | 39 | 680,000 | PNBB-13 | 170,000 | 850,000 | 1,700,000 | 1,530,000 | 127,500 | | 39 | 1,395,000 | 1,395,000 | | | | . | | | | | | | | | | 42 | 2,055,000 | 2,055,000 | | | | . | | | | | | Monthly Income
| | | | 45 | 2,685,000 | 2,685,000 | | | | . | | Enter amount to be deducted to provide Income = | | | | PhP50,000.00 | | | | 48 | 3,285,000 | 3,285,000 | | | | . | | | | | | Months 61-72 | | | | 51 | 3,847,500 | 3,847,500 | | | | . | | | | | | | | | | 54 | 4,365,000 | 4,365,000 | | | | . | | PhP560,000.00 | | PNBB Investment Summary :- | | | | | | 57 | 4,830,000 | 4,830,000 | | | | . | | This shows what can be achieved from that initial Nett Investment Value | | | | | | | | Month | Sum | Balance | Income | | | . | | into a single PNBB having a Plan Value of | | | | PhP1,400,000.00 | | | | 60 | 4,830,000 | 5,177,500 | 50,000 | | | . | | | | | | | | | | 61 | | 5,127,500 | 50,000 | | | . | | 12 x Quarterly Post Dated Checks (PDC's), each worth | | | | PhP105,000.00 | | | | 62 | | 5,077,500 | 50,000 | | | . | | | | | | | | | | 63 | 5,077,500 | 5,350,000 | 50,000 | | | . | | | | | | | | | | 64 | | 5,300,000 | 50,000 | | | . | | Thus PNBB#1, could spawn an additional PNBB's, as shown in the Table above with PNBB#2 -13. | | | | | | | | 65 | | 5,250,000 | 50,000 | | | . | | @ the end of Month 60, this is the amount available - | | | | PhP4,830,000 | | | | 66 | 5,250,000 | 5,582,500 | 50,000 | | | . | | | | | | | | | | 67 | | 5,532,500 | 50,000 | | |
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| | | | | | | | | | | | | | | | . | | The Table to the right shows deducting funds to cover income for Months 61-72 | | | | | | | | 68 | | 5,482,500 | 50,000 | | | . | | as selected above, leaving the Balance @ Month 72 = | | | | PhP5,310,000 | | | | 69 | 5,332,500 | 5,710,000 | 50,000 | | | . | | | | | | | | | | 70 | | 5,660,000 | 50,000 | | | . | | | 10.55 | x Your Money in 6 Years | | | | | | 71 | | 5,610,000 | 50,000 | | | . | | | | | | | | | | 72 | 5,310,000 | 5,310,000 | | | | . | | | | | | | | | | | | | | | |
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