Education Fund child1 child2 child3 child4

Year today 2008 2008 2008 2008

University fee 15,000.00 15,000.00
Age now 5 1
University years 4 4 4 4
University start age 18 18 18 18
Real return 5% 5% 5% 5%
PV a year before uni 53,189.26 53,189.26 - -
PV today 28,207.40 23,206.30 - -
Investment per month 246.27 169.09 - -
Investment per year 3,002.84 2,058.38 - -
Year stop investing 2021 2025 2026 2026
Year child1 child2 child3 child4 Total
2008 3,002.84 2,058.38 - - 5,061.22
2009 6,155.82 4,219.68 - - 10,375.50
2010 9,466.45 6,489.04 - - 15,955.49
2011 12,942.62 8,871.87 - - 21,814.49
2012 16,592.59 11,373.84 - - 27,966.43
2013 20,425.06 14,000.91 - - 34,425.97
2014 24,449.15 16,759.34 - - 41,208.49
2015 28,674.45 19,655.68 - - 48,330.13
2016 33,111.01 22,696.84 - - 55,807.86
2017 37,769.40 25,890.07 - - 63,659.47
2018 42,660.71 29,242.95 - - 71,903.66
2019 47,796.59 32,763.47 - - 80,560.06
2020 53,189.26 36,460.03 - - 89,649.28
2021 40,848.72 40,341.41 - - 81,190.13
2022 27,891.16 44,416.85 - - 72,308.01
2023 14,285.71 48,696.08 - - 62,981.79
2024 - 53,189.26 - - 53,189.26
2025 - 40,848.72 - - 40,848.72
2026 - 27,891.16 - - 27,891.16
2027 - 14,285.71 - - 14,285.71
2028 - - - - -
2029 - - - - -
2030 - - - - -
2031 - - - - -
2032 - - - - -
2033 - - - - -
2034 - - - - -
2035 - - - - -
2036 - - - - -
2037 - - - - -
2038 - - - - -
2039 - - - - -
2040 - - - - -
2041 - - - - -
2042 - - - - -
2043 - - - - -
2044 - - - - -
2045 - - - - -
2046 - - - - -
2047 - - - - -
2048 - - - - -
2049 - - - - -
2050 - - - - -
100,000
80,000
60,000
40,000
20,000
-
2 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 2 22 2 2 2 2 2 22 2 2
0 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 0 00 0 0 0 0 0 00 0 0
0 0 1 1 1 11 1 1 1 1 1 22 2 2 2 2 22 2 2 3 3 3 33 3 3 3 3 3 44 4 4 4 4 4 44 4 5
8 9 0 1 2 34 5 6 7 8 9 01 2 3 4 5 67 8 9 0 1 2 34 5 6 7 8 9 01 2 3 4 5 6 78 9 0
Retirement Fund Mr Mrs
Year today 2008 2008
350,000
Income at retirement 25,000.00
Age now 34 34 250,000
Retirement age 65 65
Expected death 90 90 150,000
Real return 5% 5%
50,000
PV a year before retired 352,348.61 -
PV today 77,643.36 - -50,000
Investment per month 411.04 - 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2
Investment per year 4,979.43 - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Year stop investing 2039 2039 0 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3
Year Mr Mrs Total 8 0 2 4 6 8 0 2 4 6 8 0 2 4 6 8
2008 4,979.43 - 4,979.43
2009 10,207.84 - 10,207.84
2010 15,697.66 - 15,697.66
2011 21,461.98 - 21,461.98
2012 27,514.51 - 27,514.51
2013 33,869.67 - 33,869.67
2014 40,542.59 - 40,542.59
2015 47,549.15 - 47,549.15
2016 54,906.04 - 54,906.04
2017 62,630.77 - 62,630.77
2018 70,741.75 - 70,741.75
2019 79,258.27 - 79,258.27
2020 88,200.61 - 88,200.61
2021 97,590.08 - 97,590.08
2022 107,449.01 - 107,449.01
2023 117,800.90 - 117,800.90
2024 128,670.37 - 128,670.37
2025 140,083.33 - 140,083.33
2026 152,066.92 - 152,066.92
2027 164,649.70 - 164,649.70
2028 177,861.62 - 177,861.62
2029 191,734.14 - 191,734.14
2030 206,300.28 - 206,300.28
2031 221,594.72 - 221,594.72
2032 237,653.89 - 237,653.89
2033 254,516.02 - 254,516.02
2034 272,221.25 - 272,221.25
2035 290,811.75 - 290,811.75
2036 310,331.77 - 310,331.77
2037 330,827.79 - 330,827.79
2038 352,348.61 - 352,348.61
2039 344,966.04 - 344,966.04
2040 337,214.35 - 337,214.35
2041 329,075.06 - 329,075.06
2042 320,528.82 - 320,528.82
2043 311,555.26 - 311,555.26
2044 302,133.02 - 302,133.02
2045 292,239.67 - 292,239.67
2046 281,851.66 - 281,851.66
2047 270,944.24 - 270,944.24
2048 259,491.45 - 259,491.45
2049 247,466.02 - 247,466.02
2050 234,839.32 - 234,839.32
2051 221,581.29 - 221,581.29
2052 207,660.36 - 207,660.36
2053 193,043.37 - 193,043.37
2054 177,695.54 - 177,695.54
2055 161,580.32 - 161,580.32
2056 144,659.33 - 144,659.33
2057 126,892.30 - 126,892.30
2058 108,236.92 - 108,236.92
2059 88,648.76 - 88,648.76
2060 68,081.20 - 68,081.20
2061 46,485.26 - 46,485.26
2062 23,809.52 - 23,809.52
2063 -0.00 - -0.00
2064 -0.00 - -0.00
2065 -0.00 - -0.00
2066 -0.00 - -0.00
2067 -0.00 - -0.00
2068 -0.00 - -0.00
2069 -0.00 - -0.00
2070 -0.00 - -0.00
2071 -0.00 - -0.00
2072 -0.00 - -0.00
2073 -0.00 - -0.00
2074 -0.00 - -0.00
2075 -0.00 - -0.00
2076 -0.00 - -0.00
2077 -0.00 - -0.00
2078 -0.00 - -0.00
2079 -0.00 - -0.00
2080 -0.00 - -0.00
00

00

00

00

00
2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 1 1 1 1 1 2 2 2 2 2 3 3 3 3 3 4 4 4 4 4 5 5 5 5 5 6 6 6 6 6 7 7 7 7 7 8
8 0 2 4 6 8 0 2 4 6 8 0 2 4 6 8 0 2 4 6 8 0 2 4 6 8 0 2 4 6 8 0 2 4 6 8 0