HDFC Life Pension Guaranteed Plan

	A	B	C	D	F	G	H	I	K	L
1		DO NOT PRESS THE BUTTON ABOVE MARKED VIEW ONLY . Use File Menu, Make a Copy	Capitalmind.in	@deepakshenoy
2	Start With	5000000						Capitalmind.in
3
4	Deferred for	10	Pension per month	50141	Deferment	5	Pay per month	36398
5	Age	50			Age	50
6	Real rate of return	6.30%			Real rate of return	6.45%
7	Age	Start with	Payout	10 years Deferred	Age		Payout	5 years Deferred		Xirr
8	50	5,000,000		5,000,000	50	5,000,000		5,000,000	1/1/2018	-5,000,000
9	51	5,315,000		5,315,000	51	5,322,500		5,322,500	1/1/2019
10	52	5,649,845		5,649,845	52	5,665,801		5,665,801	1/1/2020
11	53	6,005,785		6,005,785	53	6,031,245		6,031,245	1/1/2021
12	54	6,384,150		6,384,150	54	6,420,261		6,420,261	1/1/2022
13	55	6,786,351		6,786,351	55	6,834,368		6,834,368	1/1/2023
14	56	7,213,891		7,213,891	56	7,275,184	436,776	6,838,408	1/1/2024
15	57	7,668,366		7,668,366	57	7,279,486	436,776	6,842,710	1/1/2025
16	58	8,151,473		8,151,473	58	7,284,064	436,776	6,847,288	1/1/2026
17	59	8,665,016		8,665,016	59	7,288,938	436,776	6,852,162	1/1/2027
18	60	9,210,912		9,210,912	60	7,294,127	436,776	6,857,351	1/1/2028
19	61	9,791,200	601,692	9,189,508	61	7,299,650	436,776	6,862,874	1/1/2029	601,692
20	62	9,768,447	601,692	9,166,755	62	7,305,529	436,776	6,868,753	1/1/2030	601,692
21	63	9,744,260	601,692	9,142,568	63	7,311,788	436,776	6,875,012	1/1/2031	601,692
22	64	9,718,550	601,692	9,116,858	64	7,318,450	436,776	6,881,674	1/1/2032	601,692
23	65	9,691,220	601,692	9,089,528	65	7,325,542	436,776	6,888,766	1/1/2033	601,692
24	66	9,662,169	601,692	9,060,477	66	7,333,092	436,776	6,896,316	1/1/2034	601,692
25	67	9,631,287	601,692	9,029,595	67	7,341,128	436,776	6,904,352	1/1/2035	601,692
26	68	9,598,459	601,692	8,996,767	68	7,349,683	436,776	6,912,907	1/1/2036	601,692
27	69	9,563,563	601,692	8,961,871	69	7,358,789	436,776	6,922,013	1/1/2037	601,692
28	70	9,526,469	601,692	8,924,777	70	7,368,483	436,776	6,931,707	1/1/2038	601,692
29	71	9,487,038	601,692	8,885,346	71	7,378,802	436,776	6,942,026	1/1/2039	601,692
30	72	9,445,123	601,692	8,843,431	72	7,389,787	436,776	6,953,011	1/1/2040	601,692
31	73	9,400,567	601,692	8,798,875	73	7,401,480	436,776	6,964,704	1/1/2041	601,692
32	74	9,353,204	601,692	8,751,512	74	7,413,928	436,776	6,977,152	1/1/2042	601,692
33	75	9,302,858	601,692	8,701,166	75	7,427,178	436,776	6,990,402	1/1/2043	601,692
34	76	9,249,339	601,692	8,647,647	76	7,441,283	436,776	7,004,507	1/1/2044	601,692
35	77	9,192,449	601,692	8,590,757	77	7,456,298	436,776	7,019,522	1/1/2045	601,692
36	78	9,131,974	601,692	8,530,282	78	7,472,281	436,776	7,035,505	1/1/2046	601,692
37	79	9,067,690	601,692	8,465,998	79	7,489,295	436,776	7,052,519	1/1/2047	601,692
38	80	8,999,356	601,692	8,397,664	80	7,507,406	436,776	7,070,630	1/1/2048	601,692
39	81	8,926,717	601,692	8,325,025	81	7,526,686	436,776	7,089,910	1/1/2049	601,692
40	82	8,849,502	601,692	8,247,810	82	7,547,209	436,776	7,110,433	1/1/2050	601,692
41	83	8,767,422	601,692	8,165,730	83	7,569,056	436,776	7,132,280	1/1/2051	601,692
42	84	8,680,170	601,692	8,078,478	84	7,592,312	436,776	7,155,536	1/1/2052	601,692
43	85	8,587,423	601,692	7,985,731	85	7,617,068	436,776	7,180,292	1/1/2053	601,692
44	86	8,488,832	601,692	7,887,140	86	7,643,421	436,776	7,206,645	1/1/2054	601,692
45	87	8,384,029	601,692	7,782,337	87	7,671,474	436,776	7,234,698	1/1/2055	601,692
46	88	8,272,625	601,692	7,670,933	88	7,701,336	436,776	7,264,560	1/1/2056	601,692
47	89	8,154,201	601,692	7,552,509	89	7,733,124	436,776	7,296,348	1/1/2057	601,692
48	90	8,028,318	601,692	7,426,626	90	7,766,962	436,776	7,330,186	1/1/2058	601,692
49	91	7,894,503	601,692	7,292,811	91	7,802,983	436,776	7,366,207	1/1/2059	601,692
50	92	7,752,258	601,692	7,150,566	92	7,841,328	436,776	7,404,552	1/1/2060	601,692
51	93	7,601,052	601,692	6,999,360	93	7,882,145	436,776	7,445,369	1/1/2061	601,692
52	94	7,440,319	601,692	6,838,627	94	7,925,595	436,776	7,488,819	1/1/2062	601,692
53	95	7,269,461	601,692	6,667,769	95	7,971,848	436,776	7,535,072	1/1/2063	601,692
54	96	7,087,838	601,692	6,486,146	96	8,021,084	436,776	7,584,308	1/1/2064	601,692
55	97	6,894,774	601,692	6,293,082	97	8,073,496	436,776	7,636,720	1/1/2065	601,692
56	98	6,689,546	601,692	6,087,854	98	8,129,289	436,776	7,692,513	1/1/2066	601,692
57	99	6,471,388	601,692	5,869,696	99	8,188,680	436,776	7,751,904	1/1/2067	601,692
58	100	6,239,487	601,692	5,637,795	100	8,251,902	436,776	7,815,126	1/1/2068	601,692
59									1/1/2069	5,637,795
60										0.06281929901
61	Deferment	10	Pay per month	51824	Deferment	5	Pay per month	37162
62	Age	55			Age	55
63	Real rate of return	6.40%			Real rate of return	6.45%
64	Year	Start with	Payout	10 years Deferred	Year	Start with	Payout	5 years Deferred
65	55	5,000,000		5,000,000	55	5,000,000		5,000,000
66	56	5,320,000		5,320,000	56	5,322,500		5,322,500
67	57	5,660,480		5,660,480	57	5,665,801		5,665,801
68	58	6,022,751		6,022,751	58	6,031,245		6,031,245
69	59	6,408,207		6,408,207	59	6,420,261		6,420,261
70	60	6,818,332		6,818,332	60	6,834,368		6,834,368
71	61	7,254,705		7,254,705	61	7,275,184	445,944	6,829,240
72	62	7,719,006		7,719,006	62	7,269,726	445,944	6,823,782
73	63	8,213,023		8,213,023	63	7,263,916	445,944	6,817,972
74	64	8,738,656		8,738,656	64	7,257,731	445,944	6,811,787
75	65	9,297,930		9,297,930	65	7,251,148	445,944	6,805,204
76	66	9,892,998	621,888	9,271,110	66	7,244,139	445,944	6,798,195
77	67	9,864,461	621,888	9,242,573	67	7,236,679	445,944	6,790,735
78	68	9,834,097	621,888	9,212,209	68	7,228,737	445,944	6,782,793
79	69	9,801,791	621,888	9,179,903	69	7,220,284	445,944	6,774,340
80	70	9,767,417	621,888	9,145,529	70	7,211,284	445,944	6,765,340
81	71	9,730,842	621,888	9,108,954	71	7,201,705	445,944	6,755,761
82	72	9,691,928	621,888	9,070,040	72	7,191,508	445,944	6,745,564
83	73	9,650,522	621,888	9,028,634	73	7,180,652	445,944	6,734,708
84	74	9,606,467	621,888	8,984,579	74	7,169,097	445,944	6,723,153
85	75	9,559,592	621,888	8,937,704	75	7,156,796	445,944	6,710,852
86	76	9,509,717	621,888	8,887,829	76	7,143,702	445,944	6,697,758
87	77	9,456,650	621,888	8,834,762	77	7,129,764	445,944	6,683,820
88	78	9,400,187	621,888	8,778,299	78	7,114,926	445,944	6,668,982
89	79	9,340,110	621,888	8,718,222	79	7,099,132	445,944	6,653,188
90	80	9,276,188	621,888	8,654,300	80	7,082,318	445,944	6,636,374
91	81	9,208,175	621,888	8,586,287	81	7,064,420	445,944	6,618,476
92	82	9,135,809	621,888	8,513,921	82	7,045,368	445,944	6,599,424
93	83	9,058,812	621,888	8,436,924	83	7,025,087	445,944	6,579,143
94	84	8,976,888	621,888	8,355,000	84	7,003,498	445,944	6,557,554
95	85	8,889,720	621,888	8,267,832	85	6,980,516	445,944	6,534,572
96	86	8,796,973	621,888	8,175,085	86	6,956,052	445,944	6,510,108
97	87	8,698,290	621,888	8,076,402	87	6,930,010	445,944	6,484,066
98	88	8,593,292	621,888	7,971,404	88	6,902,288	445,944	6,456,344
99	89	8,481,574	621,888	7,859,686	89	6,872,778	445,944	6,426,834
100	90	8,362,706	621,888	7,740,818	90	6,841,365	445,944	6,395,421