Question

You are a financial planner who is investigating the options for a 45-year old man who...

You are a financial planner who is investigating the options for a 45-year old man who wishes to have enough money to retire by the time he is 65. The man has just turned 45 and has received a sizable inheritance of $250,000. He has approached you to understand his financial situation and make an informed decision regarding his investment options for his financial future. His current financial arrangements are as follows:

• His salary has just been increased to $120,000 p.a., which is taxed at a rate of 30% before being paid to him. This is currently being paid on a monthly basis at the start of each month.

• Any salary over $200,000 p.a. will be taxed at 40% (i.e. the first $200,000 p.a. of salary is taxed at 30%, the amount over $200,000 p.a. is taxed at 40% - tax is paid at a constant rate each month during each year assuming that the monthly salary is to be earned over the whole year).

• He is paying off a mortgage on the property he lives in. The payments are currently $3,700 at the end of each month, which is enough to have the property paid off exactly in 7 years at the current interest rate of 3.1% p.a. effective.

• Currently each month, $2,900 of his net salary is being used in expenses and any additional amount is being invested in a bank account earning 2.1% p.a. compounded monthly. These payments are being made on the same day the net salary is received.

• The current bank account balance (before receiving the inheritance) can be assumed to be zero. • He expects his expenses to increase by 0.2% each month.

• He expects his salary to increase at a rate of 5% p.a. going forward. This increase is processed on a yearly basis, with the next increase to occur after 12 further salary payments at the recently increased rate.

• Interest income in the bank account is taxed at a concessional rate of 15% immediately on the interest income earned each month.

• He intends to live in his home when he is retired and live off the proceeds of his bank account in retirement.

• Initially, the man wants to deposit the inheritance in his bank account.

a) Calculate the expected amount the man will have in his bank account at age 65 under the basis above. Assume all interest rates remain constant.

Homework Answers

Answer #1

Answer :

the present age of person is 45 & retirement age is 65 . thus he will earn for next 20 year considering the his inheritance , net Salary after tax, mortagage payment for 7 year, monthly expense & net saving( principal + interest- Tax) .we have to prepare the table considering following point

1. total period is 20 year

2. inheritance in invested in bank@ 2.1% PA compounding monthly & on interest tax @15% is deducted per month.

3. Salary is increasing every year by 5% n tax till $ 2,00,000 is30% n there after 40%

4. expenses is increasing by .02% per month

5. Bal amount after paying mortagage + expenses is saved in bank @ 2.1 % PA compounted monthly. & on interest tax @15% is deducted per month.

TOTAL amount Available at the retirement is $2085272.12 [ ref below table for calculation ]

month Inheritance +Salary Tax Net Salary Mortage Expense saving interest Tax on Interest Total
30% & 40% 0.02% 2.10% 15%
1 250000.00 250000.00 250000.00 437.50 65.63 250371.88
1 10000.00 3000.00 7000.00 3700.00 2900.00 250771.88 438.85 65.83 251144.90
2 10000.00 3000.00 7000.00 3700.00 2900.58 251544.32 440.20 66.03 251918.49
3 10000.00 3000.00 7000.00 3700.00 2901.16 252317.33 441.56 66.23 252692.65
4 10000.00 3000.00 7000.00 3700.00 2901.74 253090.91 442.91 66.44 253467.38
5 10000.00 3000.00 7000.00 3700.00 2902.32 253865.06 444.26 66.64 254242.69
6 10000.00 3000.00 7000.00 3700.00 2902.90 254639.79 445.62 66.84 255018.56
7 10000.00 3000.00 7000.00 3700.00 2903.48 255415.08 446.98 67.05 255795.01
8 10000.00 3000.00 7000.00 3700.00 2904.06 256190.95 448.33 67.25 256572.03
9 10000.00 3000.00 7000.00 3700.00 2904.64 256967.39 449.69 67.45 257349.63
10 10000.00 3000.00 7000.00 3700.00 2905.22 257744.41 451.05 67.66 258127.80
11 10000.00 3000.00 7000.00 3700.00 2905.81 258521.99 452.41 67.86 258906.55
12 10000.00 3000.00 7000.00 3700.00 2906.39 259300.16 453.78 68.07 259685.87
13 10500.00 3150.00 7350.00 3700.00 2906.97 260428.90 455.75 68.36 260816.29
14 10500.00 3150.00 7350.00 3700.00 2907.55 261558.74 457.73 68.66 261947.81
15 10500.00 3150.00 7350.00 3700.00 2908.13 262689.68 459.71 68.96 263080.43
16 10500.00 3150.00 7350.00 3700.00 2908.71 263821.72 461.69 69.25 264214.15
17 10500.00 3150.00 7350.00 3700.00 2909.29 264954.86 463.67 69.55 265348.98
18 10500.00 3150.00 7350.00 3700.00 2909.88 266089.10 465.66 69.85 266484.91
19 10500.00 3150.00 7350.00 3700.00 2910.46 267224.45 467.64 70.15 267621.95
20 10500.00 3150.00 7350.00 3700.00 2911.04 268360.91 469.63 70.44 268760.10
21 10500.00 3150.00 7350.00 3700.00 2911.62 269498.47 471.62 70.74 269899.35
22 10500.00 3150.00 7350.00 3700.00 2912.20 270637.15 473.62 71.04 271039.72
23 10500.00 3150.00 7350.00 3700.00 2912.79 271776.93 475.61 71.34 272181.20
24 10500.00 3150.00 7350.00 3700.00 2913.37 272917.83 477.61 71.64 273323.80
25 11025.00 3307.50 7717.50 3700.00 2913.95 274427.35 480.25 72.04 274835.56
26 11025.00 3307.50 7717.50 3700.00 2914.53 275938.52 482.89 72.43 276348.98
27 11025.00 3307.50 7717.50 3700.00 2915.12 277451.36 485.54 72.83 277864.07
28 11025.00 3307.50 7717.50 3700.00 2915.70 278965.87 488.19 73.23 279380.83
29 11025.00 3307.50 7717.50 3700.00 2916.28 280482.05 490.84 73.63 280899.27
30 11025.00 3307.50 7717.50 3700.00 2916.87 281999.90 493.50 74.02 282419.37
31 11025.00 3307.50 7717.50 3700.00 2917.45 283519.42 496.16 74.42 283941.16
32 11025.00 3307.50 7717.50 3700.00 2918.03 285040.62 498.82 74.82 285464.62
33 11025.00 3307.50 7717.50 3700.00 2918.62 286563.50 501.49 75.22 286989.77
34 11025.00 3307.50 7717.50 3700.00 2919.20 288088.07 504.15 75.62 288516.60
35 11025.00 3307.50 7717.50 3700.00 2919.79 289614.31 506.83 76.02 290045.11
36 11025.00 3307.50 7717.50 3700.00 2920.37 291142.24 509.50 76.42 291575.32
37 11576.25 3472.88 8103.38 3700.00 2920.95 293057.74 512.85 76.93 293493.66
38 11576.25 3472.88 8103.38 3700.00 2921.54 294975.50 516.21 77.43 295414.28
39 11576.25 3472.88 8103.38 3700.00 2922.12 296895.53 519.57 77.94 297337.16
40 11576.25 3472.88 8103.38 3700.00 2922.71 298817.83 522.93 78.44 299262.32
41 11576.25 3472.88 8103.38 3700.00 2923.29 300742.41 526.30 78.94 301189.76
42 11576.25 3472.88 8103.38 3700.00 2923.88 302669.26 529.67 79.45 303119.48
43 11576.25 3472.88 8103.38 3700.00 2924.46 304598.40 533.05 79.96 305051.49
44 11576.25 3472.88 8103.38 3700.00 2925.05 306529.82 536.43 80.46 306985.78
45 11576.25 3472.88 8103.38 3700.00 2925.63 308463.52 539.81 80.97 308922.36
46 11576.25 3472.88 8103.38 3700.00 2926.22 310399.52 543.20 81.48 310861.24
47 11576.25 3472.88 8103.38 3700.00 2926.80 312337.82 546.59 81.99 312802.42
48 11576.25 3472.88 8103.38 3700.00 2927.39 314278.41 549.99 82.50 314745.90
49 12154.80 3646.44 8508.36 3700.00 2927.97 316626.29 554.10 83.11 317097.27
50 12154.80 3646.44 8508.36 3700.00 2928.56 318977.07 558.21 83.73 319451.55
51 12154.80 3646.44 8508.36 3700.00 2929.14 321330.77 562.33 84.35 321808.75
52 12154.80 3646.44 8508.36 3700.00 2929.73 323687.38 566.45 84.97 324168.86
53 12154.80 3646.44 8508.36 3700.00 2930.31 326046.91 570.58 85.59 326531.90
54 12154.80 3646.44 8508.36 3700.00 2930.90 328409.36 574.72 86.21 328897.87
55 12154.80 3646.44 8508.36 3700.00 2931.49 330774.75 578.86 86.83 331266.77
56 12154.80 3646.44 8508.36 3700.00 2932.07 333143.06 583.00 87.45 333638.61
57 12154.80 3646.44 8508.36 3700.00 2932.66 335514.31 587.15 88.07 336013.39
58 12154.80 3646.44 8508.36 3700.00 2933.25 337888.50 591.30 88.70 338391.11
59 12154.80 3646.44 8508.36 3700.00 2933.83 340265.64 595.46 89.32 340771.79
60 12154.80 3646.44 8508.36 3700.00 2934.42 342645.73 599.63 89.94 343155.41
61 12762.75 3828.83 8933.93 3700.00 2935.01 345454.33 604.55 90.68 345968.19
62 12762.75 3828.83 8933.93 3700.00 2935.59 348266.53 609.47 91.42 348784.57
63 12762.75 3828.83 8933.93 3700.00 2936.18 351082.32 614.39 92.16 351604.55
64 12762.75 3828.83 8933.93 3700.00 2936.77 353901.71 619.33 92.90 354428.14
65 12762.75 3828.83 8933.93 3700.00 2937.35 356724.71 624.27 93.64 357255.34
66 12762.75 3828.83 8933.93 3700.00 2937.94 359551.32 629.21 94.38 360086.15
67 12762.75 3828.83 8933.93 3700.00 2938.53 362381.55 634.17 95.13 362920.59
68 12762.75 3828.83 8933.93 3700.00 2939.12 365215.40 639.13 95.87 365758.65
69 12762.75 3828.83 8933.93 3700.00 2939.71 368052.87 644.09 96.61 368600.35
70 12762.75 3828.83 8933.93 3700.00 2940.29 370893.98 649.06 97.36 371445.69
71 12762.75 3828.83 8933.93 3700.00 2940.88 373738.73 654.04 98.11 374294.67
72 12762.75 3828.83 8933.93 3700.00 2941.47 376587.12 659.03 98.85 377147.30
73 13401.15 4020.35 9380.81 3700.00 2942.06 379886.04 664.80 99.72 380451.13
74 13401.15 4020.35 9380.81 3700.00 2942.65 383189.28 670.58 100.59 383759.28
75 13401.15 4020.35 9380.81 3700.00 2943.23 386496.85 676.37 101.46 387071.76
76 13401.15 4020.35 9380.81 3700.00 2943.82 389808.74 682.17 102.32 390388.58
77 13401.15 4020.35 9380.81 3700.00 2944.41 393124.98 687.97 103.20 393709.75
78 13401.15 4020.35 9380.81 3700.00 2945.00 396445.55 693.78 104.07 397035.27
79 13401.15 4020.35 9380.81 3700.00 2945.59 399770.48 699.60 104.94 400365.14
80 13401.15 4020.35 9380.81 3700.00 2946.18 403099.77 705.42 105.81 403699.38
81 13401.15 4020.35 9380.81 3700.00 2946.77 406433.41 711.26 106.69 407037.98
82 13401.15 4020.35 9380.81 3700.00 2947.36 409771.43 717.10 107.57 410380.97
83 13401.15 4020.35 9380.81 3700.00 2947.95 413113.82 722.95 108.44 413728.33
84 13401.15 4020.35 9380.81 3700.00 2948.54 416460.60 728.81 109.32 417080.08
85 14071.05 4221.32 9849.74 2949.13 423980.69 741.97 111.29 424611.36
86 14071.05 4221.32 9849.74 2949.72 431511.38 755.14 113.27 432153.25
87 14071.05 4221.32 9849.74 2950.31 439052.68 768.34 115.25 439705.77
88 14071.05 4221.32 9849.74 2950.90 446604.61 781.56 117.23 447268.94
89 14071.05 4221.32 9849.74 2951.49 454167.19 794.79 119.22 454842.76
90 14071.05 4221.32 9849.74 2952.08 461740.42 808.05 121.21 462427.26
91 14071.05 4221.32 9849.74 2952.67 469324.32 821.32 123.20 470022.44
92 14071.05 4221.32 9849.74 2953.26 476918.92 834.61 125.19 477628.34
93 14071.05 4221.32 9849.74 2953.85 484524.22 847.92 127.19 485244.95
94 14071.05 4221.32 9849.74 2954.44 492140.25 861.25 129.19 492872.31
95 14071.05 4221.32 9849.74 2955.03 499767.01 874.59 131.19 500510.42
96 14071.05 4221.32 9849.74 2955.62 507404.53 887.96 133.19 508159.30
97 14774.60 4432.38 10342.22 2956.21 515545.30 902.20 135.33 516312.18
98 14774.60 4432.38 10342.22 2956.80 523697.60 916.47 137.47 524476.60
99 14774.60 4432.38 10342.22 2957.39 531861.42 930.76 139.61 532652.57
100 14774.60 4432.38 10342.22 2957.99 540036.80 945.06 141.76 540840.11
101 14774.60 4432.38 10342.22 2958.58 548223.75 959.39 143.91 549039.23
102 14774.60 4432.38 10342.22 2959.17 556422.29 973.74 146.06 557249.96
103 14774.60 4432.38 10342.22 2959.76 564632.42 988.11 148.22 565472.32
104 14774.60 4432.38 10342.22 2960.35 572854.18 1002.49 150.37 573706.30
105 14774.60 4432.38 10342.22 2960.95 581087.58 1016.90 152.54 581951.95
106 14774.60 4432.38 10342.22 2961.54 589332.63 1031.33 154.70 590209.26
107 14774.60 4432.38 10342.22 2962.13 597589.36 1045.78 156.87 598478.27
108 14774.60 4432.38 10342.22 2962.72 605857.77 1060.25 159.04 606758.98
109 15513.33 4654.00 10859.33 2963.32 614655.00 1075.65 161.35 615569.30
110 15513.33 4654.00 10859.33 2963.91 623464.72 1091.06 163.66 624392.13
111 15513.33 4654.00 10859.33 2964.50 632286.96 1106.50 165.98 633227.48
112 15513.33 4654.00 10859.33 2965.09 641121.72 1121.96 168.29 642075.39
113 15513.33 4654.00 10859.33 2965.69 649969.03 1137.45 170.62 650935.86
114 15513.33 4654.00 10859.33 2966.28 658828.91 1152.95 172.94 659808.92
115 15513.33 4654.00 10859.33 2966.87 667701.38 1168.48 175.27 668694.59
116 15513.33 4654.00 10859.33 2967.47 676586.45 1184.03 177.60 677592.87
117 15513.33 4654.00 10859.33 2968.06 685484.14 1199.60 179.94 686503.80
118 15513.33 4654.00 10859.33 2968.65 694394.48 1215.19 182.28 695427.39
119 15513.33 4654.00 10859.33 2969.25 703317.48 1230.81 184.62 704363.66
120 15513.33 4654.00 10859.33 2969.84 712253.15 1246.44 186.97 713312.63
121 16289.00 4886.70 11402.30 2970.43 721744.49 1263.05 189.46 722818.08
122 16289.00 4886.70 11402.30 2971.03 731249.35 1279.69 191.95 732337.09
123 16289.00 4886.70 11402.30 2971.62 740767.76 1296.34 194.45 741869.65
124 16289.00 4886.70 11402.30 2972.22 750299.73 1313.02 196.95 751415.80
125 16289.00 4886.70 11402.30 2972.81 759845.29 1329.73 199.46 760975.56
126 16289.00 4886.70 11402.30 2973.41 769404.45 1346.46 201.97 770548.94
127 16289.00 4886.70 11402.30 2974.00 778977.24 1363.21 204.48 780135.97
128 16289.00 4886.70 11402.30 2974.60 788563.67 1379.99 207.00 789736.66
129 16289.00 4886.70 11402.30 2975.19 798163.76 1396.79 209.52 799351.03
130 16289.00 4886.70 11402.30 2975.79 807777.54 1413.61 212.04 808979.11
131 16289.00 4886.70 11402.30 2976.38 817405.03 1430.46 214.57 818620.92
132 16289.00 4886.70 11402.30 2976.98 827046.24 1447.33 217.10 828276.47
133 17103.45 6841.38 10262.07 2977.57 835560.97 1462.23 219.33 836803.87
134 17103.45 6841.38 10262.07 2978.17 844087.77 1477.15 221.57 845343.35
135 17103.45 6841.38 10262.07 2978.76 852626.66 1492.10 223.81 853894.94
136 17103.45 6841.38 10262.07 2979.36 861177.65 1507.06 226.06 862458.65
137 17103.45 6841.38 10262.07 2979.95 869740.77 1522.05 228.31 871034.51
138 17103.45 6841.38 10262.07 2980.55 878316.03 1537.05 230.56 879622.52
139 17103.45 6841.38 10262.07 2981.15 886903.44 1552.08 232.81 888222.71
140 17103.45 6841.38 10262.07 2981.74 895503.04 1567.13 235.07 896835.10
141 17103.45 6841.38 10262.07 2982.34 904114.83 1582.20 237.33 905459.70
142 17103.45 6841.38 10262.07 2982.94 912738.84 1597.29 239.59 914096.54
143 17103.45 6841.38 10262.07 2983.53 921375.07 1612.41 241.86 922745.62
144 17103.45 6841.38 10262.07 2984.13 930023.56 1627.54 244.13 931406.97
145 17958.62 7183.45 10775.17 2984.73 939197.42 1643.60 246.54 940594.48
146 17958.62 7183.45 10775.17 2985.32 948384.33 1659.67 248.95 949795.05
147 17958.62 7183.45 10775.17 2985.92 957584.30 1675.77 251.37 959008.71
148 17958.62 7183.45 10775.17 2986.52 966797.36 1691.90 253.78 968235.48
149 17958.62 7183.45 10775.17 2987.11 976023.54 1708.04 256.21 977475.37
150 17958.62 7183.45 10775.17 2987.71 985262.83 1724.21 258.63 986728.41
151 17958.62 7183.45 10775.17 2988.31 994515.27 1740.40 261.06 995994.62
152 17958.62 7183.45 10775.17 2988.91 1003780.88 1756.62 263.49 1005274.01
153 17958.62 7183.45 10775.17 2989.50 1013059.68 1772.85 265.93 1014566.60
154 17958.62 7183.45 10775.17 2990.10 1022351.67 1789.12 268.37 1023872.42
155 17958.62 7183.45 10775.17 2990.70 1031656.89 1805.40 270.81 1033191.48
156 17958.62 7183.45 10775.17 2991.30 1040975.36 1821.71 273.26 1042523.81
157 18856.55 7542.62 11313.93 2991.90 1050845.84 1838.98 275.85 1052408.98
158 18856.55 7542.62 11313.93 2992.50 1060730.41 1856.28 278.44 1062308.25
159 18856.55 7542.62 11313.93 2993.09 1070629.08 1873.60 281.04 1072221.65
160 18856.55 7542.62 11313.93 2993.69 1080541.88 1890.95 283.64 1082149.19
161 18856.55 7542.62 11313.93 2994.29 1090468.83 1908.32 286.25 1092090.90
162 18856.55 7542.62 11313.93 2994.89 1100409.94 1925.72 288.86 1102046.80
163 18856.55 7542.62 11313.93 2995.49 1110365.24 1943.14 291.47 1112016.91
164 18856.55 7542.62 11313.93 2996.09 1120334.75 1960.59 294.09 1122001.25
165 18856.55 7542.62 11313.93 2996.69 1130318.50 1978.06 296.71 1131999.84
166 18856.55 7542.62 11313.93 2997.29 1140316.49 1995.55 299.33 1142012.71
167 18856.55 7542.62 11313.93 2997.89 1150328.75 2013.08 301.96 1152039.87
168 18856.55 7542.62 11313.93 2998.49 1160355.31 2030.62 304.59 1162081.34
169 19799.38 7919.75 11879.63 2999.09 1170961.88 2049.18 307.38 1172703.69
170 19799.38 7919.75 11879.63 2999.69 1181583.63 2067.77 310.17 1183341.23
171 19799.38 7919.75 11879.63 3000.29 1192220.58 2086.39 312.96 1193994.00
172 19799.38 7919.75 11879.63 3000.89 1202872.75 2105.03 315.75 1204662.02
173 19799.38 7919.75 11879.63 3001.49 1213540.16 2123.70 318.55 1215345.30
174 19799.38 7919.75 11879.63 3002.09 1224222.84 2142.39 321.36 1226043.87
175 19799.38 7919.75 11879.63 3002.69 1234920.81 2161.11 324.17 1236757.76
176 19799.38 7919.75 11879.63 3003.29 1245634.10 2179.86 326.98 1247486.98
177 19799.38 7919.75 11879.63 3003.89 1256362.72 2198.63 329.80 1258231.56
178 19799.38 7919.75 11879.63 3004.49 1267106.70 2217.44 332.62 1268991.52
179 19799.38 7919.75 11879.63 3005.09 1277866.05 2236.27 335.44 1279766.88
180 19799.38 7919.75 11879.63 3005.69 1288640.82 2255.12 338.27 1290557.67
181 20789.35 8315.74 12473.61 3006.29 1300024.99 2275.04 341.26 1301958.78
182 20789.35 8315.74 12473.61 3006.89 1311425.49 2294.99 344.25 1313376.24
183 20789.35 8315.74 12473.61 3007.49 1322842.35 2314.97 347.25 1324810.08
184 20789.35 8315.74 12473.61 3008.10 1334275.60 2334.98 350.25 1336260.33
185 20789.35 8315.74 12473.61 3008.70 1345725.24 2355.02 353.25 1347727.01
186 20789.35 8315.74 12473.61 3009.30 1357191.32 2375.08 356.26 1359210.14
187 20789.35 8315.74 12473.61 3009.90 1368673.85 2395.18 359.28 1370709.75
188 20789.35 8315.74 12473.61 3010.50 1380172.86 2415.30 362.30 1382225.87
189 20789.35 8315.74 12473.61 3011.10 1391688.37 2435.45 365.32 1393758.51
190 20789.35 8315.74 12473.61 3011.71 1403220.41 2455.64 368.35 1405307.70
191 20789.35 8315.74 12473.61 3012.31 1414769.00 2475.85 371.38 1416873.47
192 20789.35 8315.74 12473.61 3012.91 1426334.17 2496.08 374.41 1428455.84
193 21828.82 8731.53 13097.29 3013.51 1438539.62 2517.44 377.62 1440679.44
194 21828.82 8731.53 13097.29 3014.12 1450762.62 2538.83 380.83 1452920.63
195 21828.82 8731.53 13097.29 3014.72 1463003.20 2560.26 384.04 1465179.42
196 21828.82 8731.53 13097.29 3015.32 1475261.38 2581.71 387.26 1477455.84
197 21828.82 8731.53 13097.29 3015.93 1487537.20 2603.19 390.48 1489749.91
198 21828.82 8731.53 13097.29 3016.53 1499830.67 2624.70 393.71 1502061.67
199 21828.82 8731.53 13097.29 3017.13 1512141.83 2646.25 396.94 1514391.14
200 21828.82 8731.53 13097.29 3017.74 1524470.70 2667.82 400.17 1526738.35
201 21828.82 8731.53 13097.29 3018.34 1536817.30 2689.43 403.41 1539103.31
202 21828.82 8731.53 13097.29 3018.94 1549181.66 2711.07 406.66 1551486.07
203 21828.82 8731.53 13097.29 3019.55 1561563.81 2732.74 409.91 1563886.64
204 21828.82 8731.53 13097.29 3020.15 1573963.78 2754.44 413.17 1576305.05
205 22920.26 9168.10 13752.16 3020.75 1587036.45 2777.31 416.60 1589397.17
206 22920.26 9168.10 13752.16 3021.36 1600127.97 2800.22 420.03 1602508.16
207 22920.26 9168.10 13752.16 3021.96 1613238.35 2823.17 423.48 1615638.04
208 22920.26 9168.10 13752.16 3022.57 1626367.63 2846.14 426.92 1628786.85
209 22920.26 9168.10 13752.16 3023.17 1639515.84 2869.15 430.37 1641954.62
210 22920.26 9168.10 13752.16 3023.78 1652683.00 2892.20 433.83 1655141.36
211 22920.26 9168.10 13752.16 3024.38 1665869.14 2915.27 437.29 1668347.12
212 22920.26 9168.10 13752.16 3024.99 1679074.29 2938.38 440.76 1681571.91
213 22920.26 9168.10 13752.16 3025.59 1692298.48 2961.52 444.23 1694815.77
214 22920.26 9168.10 13752.16 3026.20 1705541.73 2984.70 447.70 1708078.73
215 22920.26 9168.10 13752.16 3026.80 1718804.08 3007.91 451.19 1721360.80
216 22920.26 9168.10 13752.16 3027.41 1732085.55 3031.15 454.67 1734662.03
217 24066.27 9626.51 14439.76 3028.01 1746073.78 3055.63 458.34 1748671.06
218 24066.27 9626.51 14439.76 3028.62 1760082.21 3080.14 462.02 1762700.33
219 24066.27 9626.51 14439.76 3029.22 1774110.87 3104.69 465.70 1776749.86
220 24066.27 9626.51 14439.76 3029.83 1788159.80 3129.28 469.39 1790819.68
221 24066.27 9626.51 14439.76 3030.44 1802229.01 3153.90 473.09 1804909.83
222 24066.27 9626.51 14439.76 3031.04 1816318.55 3178.56 476.78 1819020.32
223 24066.27 9626.51 14439.76 3031.65 1830428.44 3203.25 480.49 1833151.20
224 24066.27 9626.51 14439.76 3032.25 1844558.71 3227.98 484.20 1847302.49
225 24066.27 9626.51 14439.76 3032.86 1858709.40 3252.74 487.91 1861474.23
226 24066.27 9626.51 14439.76 3033.47 1872880.52 3277.54 491.63 1875666.43
227 24066.27 9626.51 14439.76 3034.07 1887072.12 3302.38 495.36 1889879.14
228 24066.27 9626.51 14439.76 3034.68 1901284.23 3327.25 499.09 1904112.39
229 25269.58 10107.83 15161.75 3035.29 1916238.85 3353.42 503.01 1919089.25
230 25269.58 10107.83 15161.75 3035.89 1931215.11 3379.63 506.94 1934087.79
231 25269.58 10107.83 15161.75 3036.50 1946213.04 3405.87 510.88 1949108.03
232 25269.58 10107.83 15161.75 3037.11 1961232.67 3432.16 514.82 1964150.01
233 25269.58 10107.83 15161.75 3037.72 1976274.04 3458.48 518.77 1979213.75
234 25269.58 10107.83 15161.75 3038.32 1991337.17 3484.84 522.73 1994299.29
235 25269.58 10107.83 15161.75 3038.93 2006422.11 3511.24 526.69 2009406.66
236 25269.58 10107.83 15161.75 3039.54 2021528.87 3537.68 530.65 2024535.89
237 25269.58 10107.83 15161.75 3040.15 2036657.50 3564.15 534.62 2039687.03
238 25269.58 10107.83 15161.75 3040.76 2051808.02 3590.66 538.60 2054860.08
239 25269.58 10107.83 15161.75 3041.36 2066980.47 3617.22 542.58 2070055.10
240 25269.58 10107.83 15161.75 3041.97 2082174.88 3643.81 546.57 2085272.12
Total 4217922.57 1416687.51 2801235.06 310800.00 712901.49
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