Bagaimanakah Dividen dan Bonus ASB dikira? Sebagai contoh, tahun ini ialah 2008, maka cara pengiraaannya ialah seperti berikut:
Pengiraan agihan pendapatan berdasarkan kepada baki minimum bulanan purata yang dipegang sepanjang tahun kewangan ASB berakhir pada 31 Disember tahun ini manakala pengiraan bonus pula berdasarkan baki minimum bulanan purata yang dipegang sejak 10 tahun lalu, bermula dari 1999 hingga 2008.
Untuk lebih terperinci, cuba lihat pengiraan yang dipetik daripada nadlique.com:
Calculating Dividend
The formula is:
Annual Dividend Rate/12 Months X Average monthly balance for the year
Example:
Say, Dividend rate = 10%, Average monthly balance for the year= RM10,000
So, (10% / 12) X RM10,000 = RM83.33
Take note that the RM83.33 is the monthly dividends. The annual dividend would then be approximately RM999.96.
N.B. = The actual dividends received might differ to a certain degree.
Calculating Bonus
The formula is:
Annual Bonus Rate/12 Months X Average monthly balance for the past 10 years
Example:
Say, Bonus Rate = 1%, Average monthly balance for the past 10 years= RM5,000
So, (1%/12) X RM5,000 = RM4.17
Take note that the RM4.16 is the monthly bonus. The annual bonus for that year should be around RM50.04.
N.B. = The actual bonus received might differ to a certain degree.
Total ASB Returns
The formula is:
Dividends + Bonus
Say, for that year, dividends = RM999.96, bonus= RM50.04
So, total returns = RM999.96 + RM50.04 = RM1,050.00
Calculating Average Monthly Balance
If you were wondering how to calculate the monthly balance, say:
Jan= RM10,000
Feb= RM8,000
Mar= RM12,000
Apr= RM13,000
May= RM7,000
Jun= RM9,000
Jul= RM11,000
Aug= RM10,000
Sep= RM10,000
Oct= RM12,000
Nov= RM8,000
Dec= RM10,000
Add them all up and divide by 12, you’ll get the average monthly balance of RM10,000.
LaYaNLaH!!!
Pengiraan agihan pendapatan berdasarkan kepada baki minimum bulanan purata yang dipegang sepanjang tahun kewangan ASB berakhir pada 31 Disember tahun ini manakala pengiraan bonus pula berdasarkan baki minimum bulanan purata yang dipegang sejak 10 tahun lalu, bermula dari 1999 hingga 2008.
Untuk lebih terperinci, cuba lihat pengiraan yang dipetik daripada nadlique.com:
Calculating Dividend
The formula is:
Annual Dividend Rate/12 Months X Average monthly balance for the year
Example:
Say, Dividend rate = 10%, Average monthly balance for the year= RM10,000
So, (10% / 12) X RM10,000 = RM83.33
Take note that the RM83.33 is the monthly dividends. The annual dividend would then be approximately RM999.96.
N.B. = The actual dividends received might differ to a certain degree.
Calculating Bonus
The formula is:
Annual Bonus Rate/12 Months X Average monthly balance for the past 10 years
Example:
Say, Bonus Rate = 1%, Average monthly balance for the past 10 years= RM5,000
So, (1%/12) X RM5,000 = RM4.17
Take note that the RM4.16 is the monthly bonus. The annual bonus for that year should be around RM50.04.
N.B. = The actual bonus received might differ to a certain degree.
Total ASB Returns
The formula is:
Dividends + Bonus
Say, for that year, dividends = RM999.96, bonus= RM50.04
So, total returns = RM999.96 + RM50.04 = RM1,050.00
Calculating Average Monthly Balance
If you were wondering how to calculate the monthly balance, say:
Jan= RM10,000
Feb= RM8,000
Mar= RM12,000
Apr= RM13,000
May= RM7,000
Jun= RM9,000
Jul= RM11,000
Aug= RM10,000
Sep= RM10,000
Oct= RM12,000
Nov= RM8,000
Dec= RM10,000
Add them all up and divide by 12, you’ll get the average monthly balance of RM10,000.
LaYaNLaH!!!
Tags:
ASB