Jinsi ya kukokotoa Pension Lump Sum
Pension Lump Sum ni nini?
Evaluates lump sum pension settlements versus lifetime monthly payments accounting for life expectancy and returns.
Fomula
PV of Annuity = PMT * [(1 - (1+r)^-n) / r]
Mwongozo wa Hatua kwa Hatua
- 1Enter monthly pension payment amount
- 2Input discount rate (expected return) and life expectancy
- 3Compare lump sum to annuity present value
Mifano Iliyotatuliwa
Ingizo
$2,000/month pension, age 65, 3% discount rate, 25-year life expectancy
Matokeo
Lump sum equivalent ≈ $530,000
Pension decision analysis
Makosa ya Kawaida ya Kuepuka
- ✕Not considering inflation over time
- ✕Underestimating life expectancy
Je, uko tayari kukokotoa? Jaribu Kikokotoo kisicholipishwa cha Pension Lump Sum
Jaribu mwenyewe →