All Solutions of Life Ins

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    Age of Insured 28

    1.12

    1.06

    $7,237,390.03

    Required Sum Asssured for Term

    PlanYears left to Age 60 3

    Current Monthly Expenses 40000

    Rate of Return 12%

    Required SA for Term plan 7237390

    Rate of Inflation 6%

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    1

    0 #NUM! #NUM!

    5.660377

    0.055186

    5.518629

    2

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    Term Trop-Aviva

    Term Plan

    ED Difference 12%30 57318 22877 34441 38573.9229 57318 22877 34441 81776.71

    28 57318 22877 34441 130163.84

    27 57318 22877 34441 184357.42

    26 57318 22877 34441 245054.23

    25 57318 22877 34441 313034.65

    24 57318 22877 34441 389172.73

    23 57318 22877 34441 474447.38

    22 57318 22877 34441 569954.98

    21 57318 22877 34441 676923.5020 57318 22877 34441 796728.24

    19 57318 22877 34441 930909.55

    18 57318 22877 34441 1081192.62

    17 57318 22877 34441 1249509.65

    16 57318 22877 34441 1438024.73

    15 57318 22877 34441 1649161.62

    14 57318 22877 34441 1885634.93

    13 57318 22877 34441 2150485.04

    12 57318 22877 34441 2447117.17

    11 57318 22877 34441 2779345.1510 57318 22877 34441 3151440.49

    9 57318 22877 34441 3568187.27

    8 57318 22877 34441 4034943.66

    7 57318 22877 34441 4557710.82

    6 57318 22877 34441 5143210.04

    5 57318 22877 34441 5798969.16

    4 57318 22877 34441 6533419.38

    3 57318 22877 34441 7356003.63

    2 57318 22877 34441 8277297.98

    1 57318 22877 34441 9309147.661507004.86 9309147.66

    Term plan v/s Trop

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    112

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    Term

    Term plan of

    LIC

    Term plan

    of ED Difference 12%30 27865 15809 12056 13502.72

    29 27865 15809 12056 28625.77

    28 27865 15809 12056 45563.58

    27 27865 15809 12056 64533.93

    26 27865 15809 12056 85780.72

    25 27865 15809 12056 109577.13

    24 27865 15809 12056 136229.10

    23 27865 15809 12056 166079.31

    22 27865 15809 12056 199511.55

    21 27865 15809 12056 236955.6620 27865 15809 12056 278893.05

    19 27865 15809 12056 325862.94

    18 27865 15809 12056 378469.21

    17 27865 15809 12056 437388.24

    16 27865 15809 12056 503377.55

    15 27865 15809 12056 577285.57

    14 27865 15809 12056 660062.56

    13 27865 15809 12056 752772.79

    12 27865 15809 12056 856608.25

    11 27865 15809 12056 972903.9610 27865 15809 12056 1103155.15

    9 27865 15809 12056 1249036.49

    8 27865 15809 12056 1412423.59

    7 27865 15809 12056 1595417.14

    6 27865 15809 12056 1800369.91

    5 27865 15809 12056 2029917.02

    4 27865 15809 12056 2287009.79

    3 27865 15809 12056 2574953.68

    2 27865 15809 12056 2897450.84

    1 27865 15809 12056 3258647.66

    Term plan of LIC V/S EDELWEISS

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    112

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    Year ofpolicy

    Term

    Endowment

    Assurance -

    814 of LIC

    Term planof ED

    Difference 12%

    1 30 150375 7,657 142,718 159,844

    2 29 150375 7,657 142,718 338,870

    3 28 150375 7,657 142,718 539,378

    4 27 150375 7,657 142,718 763,948

    5 26 150375 7,657 142,718 1,015,466

    6 25 150375 7,657 142,718 1,297,166

    7 24 150375 7,657 142,718 1,612,670

    8 23 150375 7,657 142,718 1,966,0349 22 150375 7,657 142,718 2,361,802

    10 21 150375 7,657 142,718 2,805,063

    11 20 150375 7,657 142,718 3,301,515

    12 19 150375 7,657 142,718 3,857,540

    13 18 150375 7,657 142,718 4,480,289

    14 17 150375 7,657 142,718 5,177,768

    15 16 150375 7,657 142,718 5,958,945

    16 15 150375 7,657 142,718 6,833,862

    17 14 150375 7,657 142,718 7,813,770

    18 13 150375 7,657 142,718 8,911,26619 12 150375 7,657 142,718 10,140,462

    20 11 150375 7,657 142,718 11,517,162

    21 10 150375 7,657 142,718 13,059,066

    22 9 150375 7,657 142,718 14,785,998

    23 8 150375 7,657 142,718 16,720,162

    24 7 150375 7,657 142,718 18,886,425

    25 6 150375 7,657 142,718 21,312,640

    26 5 150375 7,657 142,718 24,030,001

    27 4 150375 7,657 142,718 27,073,446

    28 3 150375 7,657 142,718 30,482,10329 2 150375 7,657 142,718 34,299,800

    30 1 150375 7,657 142,718 38,575,620

    38,575,620

    Endowment Plan V/S Term

    Plan

    Maturity Value

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    5000000

    Bonus in

    endowment plan

    at 48 per 1000

    240000 112

    480000

    720000

    960000

    1200000

    1440000

    1680000

    19200002160000

    2400000

    2640000

    2880000

    3120000

    3360000

    3600000

    3840000

    4080000

    43200004560000

    4800000

    5040000

    5280000

    5520000

    5760000

    6000000

    6240000

    6480000

    67200006960000

    7200000

    12200000

    Sum Assured

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    Premium

    Paying Term Cash Flow1 -20150

    2 -20150

    3 -20150

    4 -20150

    5 -20150

    6 -20150

    7 -20150

    8 -20150

    9 -20150

    10 -2015011 -20150

    12 -20150

    13 -20150

    14 -20150

    15 -20150

    16 -20150

    17 -20150

    18 -20150

    19 -20150

    20 -2015021 -20150

    22 -20150

    23 -20150

    24 -20150

    25 -20150

    26 -20150

    27 -20150

    28 -20150

    29 -20150

    30 -2015031 0

    32 0

    33 0

    34 2000000

    35 0

    36 0

    37 0

    IRR Table

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    38 0

    39 0

    40 0

    41 0

    42 0

    43 0

    44 045 0

    46 0

    47 0

    48 0

    49 0

    50 0

    51 0

    IRR 5.97%

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    Years Age

    Premium of

    Traditional

    Plan

    Sum

    Assured

    Accrued

    Bonus /

    Return per

    1000 SA

    Premium

    of Term

    Plan401 30 200000 2000000 80000 7000

    2 31 200000 2000000 160000 7000

    3 32 200000 2000000 240000 7000

    4 33 200000 2000000 320000 7000

    5 34 200000 2000000 400000 7000

    6 35 200000 2000000 480000 7000

    7 36 200000 2000000 560000 7000

    8 37 200000 2000000 640000 7000

    9 38 200000 2000000 720000 7000

    10 39 200000 2000000 800000 7000

    11 40 200000 2000000 880000 7000

    12 41 200000 2000000 960000 7000

    13 42 200000 2000000 1040000 7000

    14 43 200000 2000000 1120000 7000

    15 44 200000 2000000 1200000 7000

    16 45 200000 2000000 1280000 7000

    17 46 200000 2000000 1360000 7000

    18 47 200000 2000000 1440000 7000

    19 48 200000 2000000 1520000 7000

    20 49 200000 2000000 1600000 700021 50 200000 2000000 1680000 7000

    22 51 200000 2000000 1760000 7000

    23 52 200000 2000000 1840000 7000

    24 53 200000 2000000 1920000 7000

    25 54 200000 2000000 2000000 7000

    26 55 200000 2000000 2080000 7000

    27 56 200000 2000000 2160000 7000

    28 57 200000 2000000 2240000 7000

    29 58 200000 2000000 2320000 7000

    30 59 200000 2000000 2400000 7000

    4400000

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    Sum

    Assured

    Difference

    Amount

    Investment

    Return on

    Investment

    at the rate

    of9% 109.005000000 193000 210370

    5000000 193000 439673

    5000000 193000 689614

    5000000 193000 962049

    5000000 193000 1259004

    5000000 193000 1582684

    5000000 193000 1935495

    5000000 193000 2320060

    5000000 193000 2739235

    5000000 193000 3196137

    5000000 193000 3694159

    5000000 193000 4237003

    5000000 193000 4828704

    5000000 193000 5473657

    5000000 193000 6176656

    5000000 193000 6942925

    5000000 193000 7778158

    5000000 193000 8688562

    5000000 193000 9680903

    5000000 193000 107625545000000 193000 11941554

    5000000 193000 13226664

    5000000 193000 14627434

    5000000 193000 16154273

    5000000 193000 17818528

    5000000 193000 19632565

    5000000 193000 21609866

    5000000 193000 23765124

    5000000 193000 26114355

    5000000 193000 28675017

    28675017

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    Age of Insured 30

    Sum Assured 10000000

    Year IRR1 166566.67%

    2 3932.79%

    3 1050.49%4 511.14%

    5 317.50%

    6 223.82%

    7 170.17%

    8 135.97%

    9 112.49%

    10 95.49%

    11 82.66%

    12 72.67%

    13 64.69%

    14 58.18%

    15 52.78%

    16 48.23%

    17 44.35%

    18 41.01%

    19 38.10%

    20 35.54%21 33.28%

    22 31.27%

    23 29.47%

    24 27.86%

    25 26.39%

    26 25.06%

    IRR of Term Plan

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    27 23.84%

    28 22.73%

    29 21.71%

    30 20.77%

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    Premium of Term Plan 6000

    Year IRR31 19.90%

    32 19.09%

    33 18.34%34 17.65%

    35 16.99%

    36 16.38%

    37 15.81%

    38 15.28%

    39 14.77%

    40 14.29%

    41 13.85%

    42 13.42%

    43 13.02%

    44 12.64%

    45 12.28%

    46 11.93%

    47 11.61%

    48 11.29%

    49 11.00%

    50 10.71%51 10.44%

    52 10.19%

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    No

    of

    Year

    s Age

    Sum assured

    Received1 36 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    2 37 10000000 -6000 -6000 -6000 -6000 -6000 -6000

    3 38 0 10000000 -6000 -6000 -6000 -6000 -6000

    4 39 0 0 10000000 -6000 -6000 -6000 -6000

    5 40 0 0 0 10000000 -6000 -6000 -6000

    6 41 0 0 0 0 10000000 -6000 -6000

    7 42 0 0 0 0 0 10000000 -6000

    8 43 0 0 0 0 0 0 10000000

    9 44 0 0 0 0 0 0 0

    10 45 0 0 0 0 0 0 0

    11 46 0 0 0 0 0 0 0

    12 47 0 0 0 0 0 0 0

    13 48 0 0 0 0 0 0 0

    14 49 0 0 0 0 0 0 0

    15 50 0 0 0 0 0 0 0

    16 51 0 0 0 0 0 0 0

    17 52 0 0 0 0 0 0 0

    18 53 0 0 0 0 0 0 0

    19 54 0 0 0 0 0 0 0

    20 55 0 0 0 0 0 0 0

    21 56 0 0 0 0 0 0 022 57 0 0 0 0 0 0 0

    23 58 0 0 0 0 0 0 0

    24 59 0 0 0 0 0 0 0

    25 60 0 0 0 0 0 0 0

    26 61 0 0 0 0 0 0 0

    27 62 0 0 0 0 0 0 0

    28 63 0 0 0 0 0 0 0

    29 64 0 0 0 0 0 0 0

    30 65 0 0 0 0 0 0 0

    31 0 0 0 0 0 0 0

    32 0 0 0 0 0 0 033 0 0 0 0 0 0 0

    34 0 0 0 0 0 0 0

    35 0 0 0 0 0 0 0

    36 0 0 0 0 0 0 0

    37 0 0 0 0 0 0 0

    38 0 0 0 0 0 0 0

    39 0 0 0 0 0 0 0

    40 0 0 0 0 0 0 0

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    41 0 0 0 0 0 0 0

    42 0 0 0 0 0 0 0

    43 0 0 0 0 0 0 0

    44 0 0 0 0 0 0 0

    45 0 0 0 0 0 0 0

    46 0 0 0 0 0 0 0

    47 0 0 0 0 0 0 048 0 0 0 0 0 0 0

    49 0 0 0 0 0 0 0

    50 0 0 0 0 0 0 0

    51 0 0 0 0 0 0 0

    52 0 0 0 0 0 0 0

    53 0 0 0 0 0 0 0

    IRR 166566.67% 3932.79% 1050.49% 511.14% 317.50% 223.82% 170.17%

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    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 10000000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 0 10000000 -6000 -6000 -6000 -6000 -6000

    0 0 0 0 10000000 -6000 -6000 -6000 -6000

    0 0 0 0 0 10000000 -6000 -6000 -6000

    0 0 0 0 0 0 10000000 -6000 -6000

    0 0 0 0 0 0 0 10000000 -6000

    0 0 0 0 0 0 0 0 10000000

    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 00 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 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 0 0 0 0

    0 0 0 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 00 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 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

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    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 0 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 00 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 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 0

    135.97% 112.49% 95.49% 82.66% 72.67% 64.69% 58.18% 52.78% 48.23%

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    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 10000000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 0 10000000 -6000 -6000 -6000 -6000 -60000 0 0 0 10000000 -6000 -6000 -6000 -6000

    0 0 0 0 0 10000000 -6000 -6000 -6000

    0 0 0 0 0 0 10000000 -6000 -6000

    0 0 0 0 0 0 0 10000000 -6000

    0 0 0 0 0 0 0 0 10000000

    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 0 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 00 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 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

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    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 0 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 00 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 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 0

    44.35% 41.01% 38.10% 35.54% 33.28% 31.27% 29.47% 27.86% 26.39%

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    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000-6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 10000000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 0 10000000 -6000 -6000 -6000 -6000 -6000

    0 0 0 0 10000000 -6000 -6000 -6000 -6000

    0 0 0 0 0 10000000 -6000 -6000 -60000 0 0 0 0 0 10000000 -6000 -6000

    0 0 0 0 0 0 0 10000000 -6000

    0 0 0 0 0 0 0 0 10000000

    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 0 0 0 0 0 0 0

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    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 0 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 00 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 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 0

    25.06% 23.84% 22.73% 21.71% 20.77% 19.90% 19.09% 18.34% 17.65%

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    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000-6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000-6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 10000000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 0 10000000 -6000 -6000 -6000 -6000 -6000

    0 0 0 0 10000000 -6000 -6000 -6000 -6000

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    0 0 0 0 0 10000000 -6000 -6000 -6000

    0 0 0 0 0 0 10000000 -6000 -6000

    0 0 0 0 0 0 0 10000000 -6000

    0 0 0 0 0 0 0 0 10000000

    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 00 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 0 0 0 0 0 0

    0 0 0 0 0 0 0 0 0

    16.99% 16.38% 15.81% 15.28% 14.77% 14.29% 13.85% 13.42% 13.02%

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    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000-6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000-6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

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    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 10000000 -6000 -6000 -6000 -6000 -6000 -6000 -6000

    0 0 10000000 -6000 -6000 -6000 -6000 -6000 -60000 0 0 10000000 -6000 -6000 -6000 -6000 -6000

    0 0 0 0 10000000 -6000 -6000 -6000 -6000

    0 0 0 0 0 10000000 -6000 -6000 -6000

    0 0 0 0 0 0 10000000 -6000 -6000

    0 0 0 0 0 0 0 10000000 -6000

    0 0 0 0 0 0 0 0 10000000

    12.64% 12.28% 11.93% 11.61% 11.29% 11.00% 10.71% 10.44% 10.19%