Simulasi Nabung di Bank VS Nabung Saham

Berikut adalah simulai jika And menabung di bank Rp 10 juta setiap bulannya dengan rata-rata bunga 5,2%

Total modal: Rp 1,300,000,000

Bunga: Rp 365.762.984,41

Lama menabung: 10 tahun

Bunga rata-rata: 5,2%

Bulan Nilai tabungan awal Setoran Bulanan Bunga Nilai tabungan akhir
1 Rp 10.000.000,00 Rp 10.000.000,00 Rp 83.333,33 Rp 20.083.333,33
2 Rp 20.083.333,33 Rp 10.000.000,00 Rp 125.347,22 Rp 30.208.680,56
3 Rp 30.208.680,56 Rp 10.000.000,00 Rp 167.536,17 Rp 40.376.216,72
4 Rp 40.376.216,72 Rp 10.000.000,00 Rp 209.900,90 Rp 50.586.117,63
5 Rp 50.586.117,63 Rp 10.000.000,00 Rp 252.442,16 Rp 60.838.559,78
6 Rp 60.838.559,78 Rp 10.000.000,00 Rp 295.160,67 Rp 71.133.720,45
7 Rp 71.133.720,45 Rp 10.000.000,00 Rp 338.057,17 Rp 81.471.777,62
8 Rp 81.471.777,62 Rp 10.000.000,00 Rp 381.132,41 Rp 91.852.910,03
9 Rp 91.852.910,03 Rp 10.000.000,00 Rp 424.387,13 Rp 102.277.297,15
10 Rp 102.277.297,15 Rp 10.000.000,00 Rp 467.822,07 Rp 112.745.119,22
11 Rp 112.745.119,22 Rp 10.000.000,00 Rp 511.438,00 Rp 123.256.557,22
12 Rp 123.256.557,22 Rp 10.000.000,00 Rp 555.235,66 Rp 133.811.792,87
13 Rp 133.811.792,87 Rp 10.000.000,00 Rp 599.215,80 Rp 144.411.008,68
14 Rp 144.411.008,68 Rp 10.000.000,00 Rp 643.379,20 Rp 155.054.387,88
15 Rp 155.054.387,88 Rp 10.000.000,00 Rp 687.726,62 Rp 165.742.114,50
16 Rp 165.742.114,50 Rp 10.000.000,00 Rp 732.258,81 Rp 176.474.373,31
17 Rp 176.474.373,31 Rp 10.000.000,00 Rp 776.976,56 Rp 187.251.349,86
18 Rp 187.251.349,86 Rp 10.000.000,00 Rp 821.880,62 Rp 198.073.230,49
19 Rp 198.073.230,49 Rp 10.000.000,00 Rp 866.971,79 Rp 208.940.202,28
20 Rp 208.940.202,28 Rp 10.000.000,00 Rp 912.250,84 Rp 219.852.453,12
21 Rp 219.852.453,12 Rp 10.000.000,00 Rp 957.718,55 Rp 230.810.171,68
22 Rp 230.810.171,68 Rp 10.000.000,00 Rp 1.003.375,72 Rp 241.813.547,39
23 Rp 241.813.547,39 Rp 10.000.000,00 Rp 1.049.223,11 Rp 252.862.770,51
24 Rp 252.862.770,51 Rp 10.000.000,00 Rp 1.095.261,54 Rp 263.958.032,05
25 Rp 263.958.032,05 Rp 10.000.000,00 Rp 1.141.491,80 Rp 275.099.523,85
26 Rp 275.099.523,85 Rp 10.000.000,00 Rp 1.187.914,68 Rp 286.287.438,53
27 Rp 286.287.438,53 Rp 10.000.000,00 Rp 1.234.530,99 Rp 297.521.969,53
28 Rp 297.521.969,53 Rp 10.000.000,00 Rp 1.281.341,54 Rp 308.803.311,07
29 Rp 308.803.311,07 Rp 10.000.000,00 Rp 1.328.347,13 Rp 320.131.658,20
30 Rp 320.131.658,20 Rp 10.000.000,00 Rp 1.375.548,58 Rp 331.507.206,77
31 Rp 331.507.206,77 Rp 10.000.000,00 Rp 1.422.946,69 Rp 342.930.153,47
32 Rp 342.930.153,47 Rp 10.000.000,00 Rp 1.470.542,31 Rp 354.400.695,77
33 Rp 354.400.695,77 Rp 10.000.000,00 Rp 1.518.336,23 Rp 365.919.032,01
34 Rp 365.919.032,01 Rp 10.000.000,00 Rp 1.566.329,30 Rp 377.485.361,31
35 Rp 377.485.361,31 Rp 10.000.000,00 Rp 1.614.522,34 Rp 389.099.883,65
36 Rp 389.099.883,65 Rp 10.000.000,00 Rp 1.662.916,18 Rp 400.762.799,83
37 Rp 400.762.799,83 Rp 10.000.000,00 Rp 1.711.511,67 Rp 412.474.311,49
38 Rp 412.474.311,49 Rp 10.000.000,00 Rp 1.760.309,63 Rp 424.234.621,12
39 Rp 424.234.621,12 Rp 10.000.000,00 Rp 1.809.310,92 Rp 436.043.932,05
40 Rp 436.043.932,05 Rp 10.000.000,00 Rp 1.858.516,38 Rp 447.902.448,43
41 Rp 447.902.448,43 Rp 10.000.000,00 Rp 1.907.926,87 Rp 459.810.375,30
42 Rp 459.810.375,30 Rp 10.000.000,00 Rp 1.957.543,23 Rp 471.767.918,53
43 Rp 471.767.918,53 Rp 10.000.000,00 Rp 2.007.366,33 Rp 483.775.284,86
44 Rp 483.775.284,86 Rp 10.000.000,00 Rp 2.057.397,02 Rp 495.832.681,88
45 Rp 495.832.681,88 Rp 10.000.000,00 Rp 2.107.636,17 Rp 507.940.318,05
46 Rp 507.940.318,05 Rp 10.000.000,00 Rp 2.158.084,66 Rp 520.098.402,71
47 Rp 520.098.402,71 Rp 10.000.000,00 Rp 2.208.743,34 Rp 532.307.146,05
48 Rp 532.307.146,05 Rp 10.000.000,00 Rp 2.259.613,11 Rp 544.566.759,16
49 Rp 544.566.759,16 Rp 10.000.000,00 Rp 2.310.694,83 Rp 556.877.453,99
50 Rp 556.877.453,99 Rp 10.000.000,00 Rp 2.361.989,39 Rp 569.239.443,38
51 Rp 569.239.443,38 Rp 10.000.000,00 Rp 2.413.497,68 Rp 581.652.941,06
52 Rp 581.652.941,06 Rp 10.000.000,00 Rp 2.465.220,59 Rp 594.118.161,65
53 Rp 594.118.161,65 Rp 10.000.000,00 Rp 2.517.159,01 Rp 606.635.320,66
54 Rp 606.635.320,66 Rp 10.000.000,00 Rp 2.569.313,84 Rp 619.204.634,49
55 Rp 619.204.634,49 Rp 10.000.000,00 Rp 2.621.685,98 Rp 631.826.320,47
56 Rp 631.826.320,47 Rp 10.000.000,00 Rp 2.674.276,34 Rp 644.500.596,81
57 Rp 644.500.596,81 Rp 10.000.000,00 Rp 2.727.085,82 Rp 657.227.682,63
58 Rp 657.227.682,63 Rp 10.000.000,00 Rp 2.780.115,34 Rp 670.007.797,97
59 Rp 670.007.797,97 Rp 10.000.000,00 Rp 2.833.365,82 Rp 682.841.163,80
60 Rp 682.841.163,80 Rp 10.000.000,00 Rp 2.886.838,18 Rp 695.728.001,98
61 Rp 695.728.001,98 Rp 10.000.000,00 Rp 2.940.533,34 Rp 708.668.535,32
62 Rp 708.668.535,32 Rp 10.000.000,00 Rp 2.994.452,23 Rp 721.662.987,55
63 Rp 721.662.987,55 Rp 10.000.000,00 Rp 3.048.595,78 Rp 734.711.583,33
64 Rp 734.711.583,33 Rp 10.000.000,00 Rp 3.102.964,93 Rp 747.814.548,26
65 Rp 747.814.548,26 Rp 10.000.000,00 Rp 3.157.560,62 Rp 760.972.108,88
66 Rp 760.972.108,88 Rp 10.000.000,00 Rp 3.212.383,79 Rp 774.184.492,67
67 Rp 774.184.492,67 Rp 10.000.000,00 Rp 3.267.435,39 Rp 787.451.928,05
68 Rp 787.451.928,05 Rp 10.000.000,00 Rp 3.322.716,37 Rp 800.774.644,42
69 Rp 800.774.644,42 Rp 10.000.000,00 Rp 3.378.227,69 Rp 814.152.872,11
70 Rp 814.152.872,11 Rp 10.000.000,00 Rp 3.433.970,30 Rp 827.586.842,41
71 Rp 827.586.842,41 Rp 10.000.000,00 Rp 3.489.945,18 Rp 841.076.787,58
72 Rp 841.076.787,58 Rp 10.000.000,00 Rp 3.546.153,28 Rp 854.622.940,86
73 Rp 854.622.940,86 Rp 10.000.000,00 Rp 3.602.595,59 Rp 868.225.536,45
74 Rp 868.225.536,45 Rp 10.000.000,00 Rp 3.659.273,07 Rp 881.884.809,52
75 Rp 881.884.809,52 Rp 10.000.000,00 Rp 3.716.186,71 Rp 895.600.996,23
76 Rp 895.600.996,23 Rp 10.000.000,00 Rp 3.773.337,48 Rp 909.374.333,71
77 Rp 909.374.333,71 Rp 10.000.000,00 Rp 3.830.726,39 Rp 923.205.060,10
78 Rp 923.205.060,10 Rp 10.000.000,00 Rp 3.888.354,42 Rp 937.093.414,52
79 Rp 937.093.414,52 Rp 10.000.000,00 Rp 3.946.222,56 Rp 951.039.637,08
80 Rp 951.039.637,08 Rp 10.000.000,00 Rp 4.004.331,82 Rp 965.043.968,90
81 Rp 965.043.968,90 Rp 10.000.000,00 Rp 4.062.683,20 Rp 979.106.652,10
82 Rp 979.106.652,10 Rp 10.000.000,00 Rp 4.121.277,72 Rp 993.227.929,82
83 Rp 993.227.929,82 Rp 10.000.000,00 Rp 4.180.116,37 Rp 1.007.408.046,19
84 Rp 1.007.408.046,19 Rp 10.000.000,00 Rp 4.239.200,19 Rp 1.021.647.246,39
85 Rp 1.021.647.246,39 Rp 10.000.000,00 Rp 4.298.530,19 Rp 1.035.945.776,58
86 Rp 1.035.945.776,58 Rp 10.000.000,00 Rp 4.358.107,40 Rp 1.050.303.883,98
87 Rp 1.050.303.883,98 Rp 10.000.000,00 Rp 4.417.932,85 Rp 1.064.721.816,83
88 Rp 1.064.721.816,83 Rp 10.000.000,00 Rp 4.478.007,57 Rp 1.079.199.824,40
89 Rp 1.079.199.824,40 Rp 10.000.000,00 Rp 4.538.332,60 Rp 1.093.738.157,00
90 Rp 1.093.738.157,00 Rp 10.000.000,00 Rp 4.598.908,99 Rp 1.108.337.065,99
91 Rp 1.108.337.065,99 Rp 10.000.000,00 Rp 4.659.737,77 Rp 1.122.996.803,77
92 Rp 1.122.996.803,77 Rp 10.000.000,00 Rp 4.720.820,02 Rp 1.137.717.623,78
93 Rp 1.137.717.623,78 Rp 10.000.000,00 Rp 4.782.156,77 Rp 1.152.499.780,55
94 Rp 1.152.499.780,55 Rp 10.000.000,00 Rp 4.843.749,09 Rp 1.167.343.529,63
95 Rp 1.167.343.529,63 Rp 10.000.000,00 Rp 4.905.598,04 Rp 1.182.249.127,67
96 Rp 1.182.249.127,67 Rp 10.000.000,00 Rp 4.967.704,70 Rp 1.197.216.832,37
97 Rp 1.197.216.832,37 Rp 10.000.000,00 Rp 5.030.070,13 Rp 1.212.246.902,51
98 Rp 1.212.246.902,51 Rp 10.000.000,00 Rp 5.092.695,43 Rp 1.227.339.597,93
99 Rp 1.227.339.597,93 Rp 10.000.000,00 Rp 5.155.581,66 Rp 1.242.495.179,59
100 Rp 1.242.495.179,59 Rp 10.000.000,00 Rp 5.218.729,91 Rp 1.257.713.909,51
101 Rp 1.257.713.909,51 Rp 10.000.000,00 Rp 5.282.141,29 Rp 1.272.996.050,80
102 Rp 1.272.996.050,80 Rp 10.000.000,00 Rp 5.345.816,88 Rp 1.288.341.867,68
103 Rp 1.288.341.867,68 Rp 10.000.000,00 Rp 5.409.757,78 Rp 1.303.751.625,46
104 Rp 1.303.751.625,46 Rp 10.000.000,00 Rp 5.473.965,11 Rp 1.319.225.590,56
105 Rp 1.319.225.590,56 Rp 10.000.000,00 Rp 5.538.439,96 Rp 1.334.764.030,52
106 Rp 1.334.764.030,52 Rp 10.000.000,00 Rp 5.603.183,46 Rp 1.350.367.213,99
107 Rp 1.350.367.213,99 Rp 10.000.000,00 Rp 5.668.196,72 Rp 1.366.035.410,71
108 Rp 1.366.035.410,71 Rp 10.000.000,00 Rp 5.733.480,88 Rp 1.381.768.891,59
109 Rp 1.381.768.891,59 Rp 10.000.000,00 Rp 5.799.037,05 Rp 1.397.567.928,64
110 Rp 1.397.567.928,64 Rp 10.000.000,00 Rp 5.864.866,37 Rp 1.413.432.795,01
111 Rp 1.413.432.795,01 Rp 10.000.000,00 Rp 5.930.969,98 Rp 1.429.363.764,98
112 Rp 1.429.363.764,98 Rp 10.000.000,00 Rp 5.997.349,02 Rp 1.445.361.114,01
113 Rp 1.445.361.114,01 Rp 10.000.000,00 Rp 6.064.004,64 Rp 1.461.425.118,65
114 Rp 1.461.425.118,65 Rp 10.000.000,00 Rp 6.130.937,99 Rp 1.477.556.056,64
115 Rp 1.477.556.056,64 Rp 10.000.000,00 Rp 6.198.150,24 Rp 1.493.754.206,88
116 Rp 1.493.754.206,88 Rp 10.000.000,00 Rp 6.265.642,53 Rp 1.510.019.849,41
117 Rp 1.510.019.849,41 Rp 10.000.000,00 Rp 6.333.416,04 Rp 1.526.353.265,45
118 Rp 1.526.353.265,45 Rp 10.000.000,00 Rp 6.401.471,94 Rp 1.542.754.737,38
119 Rp 1.542.754.737,38 Rp 10.000.000,00 Rp 6.469.811,41 Rp 1.559.224.548,79
120 Rp 1.559.224.548,79 Rp 10.000.000,00 Rp 6.538.435,62 Rp 1.575.762.984,41
Akumulasi Bunga Rp 365.762.984,41

 

Berikut adalah siulasi jika Andi menabung di saham KLBF setiap bulannya selama 10 tahun. Harga beli adalah harga pada saat Andi membeli. Rata-rata harga beli saham KLBF Andi selama 10 tahun adlaah Rp 913.

Total modal: Rp 1,300,000,000

Bunga: Rp 1.118.000.000,00

Lama menabung: 10 tahun

Bunga: 86%

Month Year Harga beli
January 2007 232
February 2007 254
March 2007 234
April 2007 234
May 2007 244
June 2007 240
July 2007 270
August 2007 290
September 2007 265
October 2007 262
November 2007 270
December 2007 238
January 2008 248
February 2008 238
March 2008 200
April 2008 194
May 2008 176
June 2008 172
July 2008 166
August 2008 156
September 2008 148
October 2008 122
November 2008 74
December 2008 82
January 2009 80
February 2009 92
March 2009 126
April 2009 122
May 2009 178
June 2009 176
July 2009 196
August 2009 262
September 2009 250
October 2009 266
November 2009 240
December 2009 252
January 2010 260
February 2010 310
March 2010 316
April 2010 372
May 2010 410
June 2010 376
July 2010 415
August 2010 490
September 2010 465
October 2010 510
November 2010 535
December 2010 680
January 2011 660
February 2011 570
March 2011 585
April 2011 680
May 2011 715
June 2011 715
July 2011 680
August 2011 705
September 2011 710
October 2011 635
November 2011 695
December 2011 715
January 2012 685
February 2012 705
March 2012 705
April 2012 710
May 2012 800
June 2012 790
July 2012 760
August 2012 760
September 2012 780
October 2012 920
November 2012 970
December 2012 1020
January 2013 1050
February 2013 1090
March 2013 1290
April 2013 1250
May 2013 1390
June 2013 1430
July 2013 1440
August 2013 1440
September 2013 1340
October 2013 1220
November 2013 1290
December 2013 1240
January 2014 1260
February 2014 1405
March 2014 1430
April 2014 1480
May 2014 1535
June 2014 1570
July 2014 1640
August 2014 1700
September 2014 1660
October 2014 1690
November 2014 1705
December 2014 1750
January 2015 1820
February 2015 1870
March 2015 1805
April 2015 1865
May 2015 1820
June 2015 1810
July 2015 1690
August 2015 1730
September 2015 1660
October 2015 1370
November 2015 1420
December 2015 1365
January 2016 1325
February 2016 1350
March 2016 1305
April 2016 1450
May 2016 1375
June 2016 1430
July 2016 1535
August 2016 1675
September 2016 1790
October 2016 1750
November 2016 1750
December 2016 1510
January 2017 1515
February 2017 1470
March 2017 1520
April 2017 1550
May 2017 1585
June 2017 1535
July 2017 1615
August 2017 1735
September 2017 1710
October 2017 1665
913,2538

Related Article:

Nabung Gag Bisa Bikin Kaya? bit.ly/nabungbikinkaya

Menjawab pertanyaan dan kebutuhan Anda dalam trading dan berinvestasi bit.ly/agendaedukasiPA

Cara Jitu Nabung Saham  bit.ly/strategynabungsaham

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