Pencarum Layak Menerima bayaran bulanan hasil dari Pelaburan sebanyak RM21260

MALAYSIAN TRADES UNION CONGRESS

STUDY ON ANNUITY SCHEME

Table 1. Return on an investment of RM21261

Invested with EPF at age 35

Age Male	Sum kept in EPF	6.7%int earned	Interest Compounded
	(RM)	(RM)	(RM)
35	21261	1424.49	22685.49
36	22685.49	1519.93	24205.42
37	24205.42	1621.76	25827.18
38	25827.18	1730.42	27557.60
39	27557.60	1846.36	29403.96
40	29403.96	1970.07	31374.03
41	31374.03	2102.06	33476.09
42	33476.09	2242.90	35718.99
43	35718.99	2393.17	38112.16
44	38112.16	2553.51	40665.67
45	40665.67	2724.60	43390.27
46	43390.27	2907.15	46297.42
47	46297.42	3101.93	49399.35
48	49399.35	3309.76	52709.11
49	52709.11	3531.51	56240.62
50	56240.62	3768.12	60008.74
51	60008.74	4020.59	64029.33
52	64029.33	4289.97	68319.30
53	68319.30	4577.39	72896.69
54	72896.69	4884.08	77780.77

Table 2 . Contributors eligibility to receive monthly payments Commencing from age 55 from the above investment in EPF
At age of	Capital + dividend (accumulated since age 35)	Monthly dividend income	Yearly dividend income	Cumulative of EPF Dividend	Capital + dividend
	(RM)	(RM)	(RM)	(RM)	(RM)
55	77781	434	5211	5211	82992
56	77781	434	5211	10422	88203
57	77781	434	5211	15633	93414
60	77781	434	5211	31266	109047
65	77781	434	5211	57321	135102
70	77781	434	5211	83376	161157
75	77781	434	5211	109431	187212
80	77781	434	5211	135486	213267
85	77781	434	5211	161541	239322
90	77781	434	5211	187596	265377
95	77781	434	5211	213651	291432
100	77781	434	5211	239706	317487

Table 1 is calculated on the assumption that a contributor set aside in EPF a sum of RM21261at the age of 35. By age 55 this amount would have accumulated to RM77781. And a contributor can collect his dividend on a monthly basis at RM434 as long as he lives.

By age 60 he would have collected RM31266 and his capital sum of RM77781 would still remain untouched and available to him or his dependants. By age 75 he would have collected RM109431, as dividend and his capital sum RM77781 still available for him to collect. =Total entitlement RM187,212.