Lampiran 1 : Data Gathering Questioner

(1)

76

(2)

77

(3)

78 Lampiran 2: Rincian Dana Pedidikan

Umur Jenjang

Kelas Nama

Sekolah

Biaya Saat Ini/Nilai

Sekarang

1

2

3

4 TK

A

Santa Clara

Rp. 9.600.000,00

5 B Santa Clara

Rp. 3.600.000,00

6 SD

1 Santa Clara

Rp. 11.700.000,00

7 2 Santa Clara

Rp. 4.200.000,00

8 3 Santa Clara

Rp. 4.200.000,00

9 4 Santa Clara

Rp. 4.200.000,00

10 5 Santa Clara

Rp. 4.200.000,00

11 6 Santa Clara

Rp. 4.200.000,00

12 SMP

1 Santa Clara

Rp. 13.000.000,00

13 2 Santa Clara

Rp. 4.500.000,00

14 3 Santa Clara

Rp. 4.500.000,00

15 SMA

1 St. Louis I

Rp. 15.000.000,00

16 2 St. Louis I

Rp. 8.300.000,00

17 3 St. Louis I

Rp. 8.300.000,00

(4)

79

(5)

80

(6)

81

(7)

82

(8)

83 Lampiran 6 : Premi Asuransi Rumah

Keterangan Harta Benda Simulasi Harga

Lokasi

Jatim

Harga Per Meter Bangunan

Rp.1,000,000 ,-

Luas Bangunan

300 Meter

Harga Perabotan

Rp.0 ,-

Benda Lainnya : ( )

Rp.0 ,-

Paket

Paket Standard + Banjir

Total : Rp. 300,000,000,-

(9)

84 Lampiran 7: Suku Bunga Bank

SUKU BUNGA BCA

Produk Suku Bunga (%pa) TAHAPAN - < Rp 1.000.000 0,00 - >= Rp 1.000.000 - < Rp 10.000.000 2,00 - >= Rp 10.000.000 - < Rp 100.000.000 2,75 - >= Rp 100.000.000 - < Rp 1.000.000.000 3,00 - >= Rp 1.000.000.000 4,00 TAPRES - < Rp 1.000.000 0,00 - >= Rp 1.000.000 - < Rp 10.000.000 2,00 - >= Rp 10.000.000 - < Rp 100.000.000 3,00 - >= Rp 100.000.000 - < Rp 1.000.000.000 3,50 - >= Rp 1.000.000.000 4,50 BCA DOLLAR USD 3,25 SGD 0,50 Berlaku Efektif: 01 Agustus 2007

DEPOSITO

Jangka Waktu (bulan) Mata Uang 1 3 6 12 IDR < 1M 5,75 6,25 6,25 6,75 IDR 1M - < 5M 6,25 6,25 6,25 6,75 IDR >= 5M 6,25 6,25 6,25 6,75 USD 3,50 3,50 3,50 3,50 SGD 1,25 1,25 1,25 1,25 HKD 1,00 1,00 1,00 1,00 GBP 1,50 1,50 1,50 1,50 AUD 2,50 2,50 2,50 2,50 JPY 0,00 0,00 0,00 0,00 EUR 1,00 1,00 1,00 1,00

(10)

85 Lampiran 7 : Suku Bunga Bank (Sambungan)

SUKU BUNGA DEPOSITO MANDIRI RUPIAH

Tanggal berlaku : 23 August 2007 s/d 30 September 2007

Jangka

Waktu

Suku Bunga

<50Jt >=50Jt -

<100Jt

>=100Jt -

<500Jt

>=500Jt -

<1M

>=1M -

<5M

>=5M

1 bulan

6.25 %

6.5 %

6.75 %

3 bulan

6.25 %

6.5 %

6.75 %

6 bulan

6.25 %

6.5 %

6.75 %

12 bulan

6.25 %

6.75 %

7 %

24 bulan

6.25 %

6.75 %

7 %

SUKU BUNGA TABUNGAN RUPIAH

Tanggal berlaku : 23 August 2007 s/d 30 September 2007

Produk

Suku Bunga

< 500 ribu

0 %

>= 500 ribu - < 5 Juta

2.5 %

>= 5 Juta - < 50 Juta

3.25 %

>= 50 Juta - < 100 Juta

3.5 %

>= 100 Juta - < 500 Juta

3.75 %

>= 500 Juta - < 1 M

4 %

>= 1 M

4.25 %

(11)

86 Lampiran 8 : Data Inflasi SBI

LAPORAN INFLASI

Berdasarkan perhitungan inflasi tahunan

Grafik Timeseries

Bulan Tahun Tingkat Inflasi

Oktober 2007 6.88 % September 2007 6.95 % Agustus 2007 6.51 % Juli 2007 6.06 % Juni 2007 5.77 % Mei 2007 6.01 % April 2007 6.29 % Maret 2007 6.52 % Februari 2007 6.30 % Januari 2007 6.26 % Desember 2006 6.60 % November 2006 5.27 % Oktober 2006 6.29 % September 2006 14.55 % Agustus 2006 14.90 % Juli 2006 15.15 % Juni 2006 15.53 % Mei 2006 15.60 % April 2006 15.40 % Maret 2006 15.74 % Februari 2006 17.92 % Januari 2006 17.03 % Desember 2005 17.11 % November 2005 18.38 % Oktober 2005 17.89 % September 2005 9.06 % Agustus 2005 8.33 % Juli 2005 7.84 % Juni 2005 7.42 % Mei 2005 7.40 % April 2005 8.12 % Maret 2005 8.81 % Februari 2005 7.15 % Januari 2005 7.32 % Desember 2004 6.40 % November 2004 6.18 % Oktober 2004 6.22 % September 2004 6.27 % Agustus 2004 6.67 % Juli 2004 7.20 %

(12)

87 Lampiran 8 : Data Inflasi SBI (Sambungan)

Juni 2004 6.83 % Mei 2004 6.47 % April 2004 5.92 % Maret 2004 5.11 % Februari 2004 4.60 % Januari 2004 4.82 % Desember 2003 5.16 % November 2003 5.53 % Oktober 2003 6.48 % September 2003 6.33 % Agustus 2003 6.51 % Juli 2003 6.27 % Juni 2003 6.98 % Mei 2003 7.15 % April 2003 7.62 % Maret 2003 7.17 % Februari 2003 7.60 %

(13)

88

(14)

89

(15)

90

(16)

91

(17)

92

(18)

93

(19)

94

(20)

95

(21)

96

(22)

97

(23)

98

(24)

99

(25)

100

(26)

101 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana

Schroder Dana Andalan (ysi) Oktober 2004 - Oktober 2005

Return Return

tanggal NAV jumlah unit NAV/unit

Bulanan Tahunan 30/12/2003 537873000000 533906000 1007.43 30/9/2004 881602000000 858120000 1027.36 29/10/2004 827431000000 802725000 1030.78 0.33% 30/11/2004 736834000000 719406000 1024.23 -0.64% 30/12/2004 703781000000 684390000 1028.33 0.40% 2.07% 31/1/2005 649625000000 627396000 1035.43 0.69% 28/2/2005 588969000000 573478000 1027.01 -0.81% 31/3/2005 459211000000 445804000 1030.07 0.30% 29/4/2005 484185000000 467812000 1035 0.48% 31/5/2005 459040000000 445781000 1029.74 -0.51% 30/6/2005 515244000000 499005000 1032.54 0.27% 29/7/2005 406447000000 392771000 1034.82 0.22% 31/8/2005 223552000000 221281000 1010.26 -2.37% 30/9/2005 96699700000 95876700 1008.58 -0.17% 31/10/2005 77537200000 75986600 1020.41 1.17% 30/11/2005 104604000000 102679000 1018.75 -0.16% 29/12/2005 118279000000 115146000 1027.21 0.83% -0.11% 30/1/2006 157198000000 151473000 1037.8 1.03% 28/2/2006 151814000000 148239000 1024.12 -1.32% 29/3/2006 276809000000 267877000 1033.34 0.90% 28/4/2006 196297000000 188465000 1041.56 0.80% 31/5/2006 127409000000 124637000 1022.24 -1.85% 30/6/2006 124706000000 121189000 1029.02 0.66% 31/7/2006 108035000000 103895000 1039.85 1.05% 31/8/2006 126089000000 123021000 1024.93 -1.43% 29/9/2006 120051000000 115997000 1034.95 0.98% 31/10/2006 127018000000 121121000 1048.68 1.33% 30/11/2006 142311000000 137826000 1032.54 -1.54% 28/12/2006 180466000000 173580000 1039.67 0.69% 1.21% 31/1/2007 198271000000 189434000 1046.65 0.67% 28/2/2007 212775000000 206402000 1030.87 -1.51% 30/3/2007 215548000000 207866000 1036.96 0.59% 30/4/2007 197709000000 189634000 1042.58 0.54% 31/5/2007 152542000000 147753000 1032.41 -0.98% 29/6/2007 139670000000 134879000 1035.52 0.30% 31/7/2007 130568000000 125366000 1041.49 0.58% 31/8/2007 128170000000 124162000 1032.28 -0.88% 28/9/2007 117139000000 112798000 1038.48 0.60% 31/10/2007 123774000000 118394000 1045.44 0.67% 12/11/2007 120372000000 116362000 1034.46 -1.05% -0.50%

(27)

102 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

tahun bulan Return Standart

Bulanan Average Deviation Deviation

2004 oct 0.33% 0.05% 0.28% 0.00% 2004 nov -0.64% 0.05% -0.69% 0.00% 2004 dec 0.40% 0.05% 0.35% 0.00% 2005 jan 0.69% 0.05% 0.64% 0.00% 2005 feb -0.81% 0.05% -0.86% 0.01% 2005 mar 0.30% 0.05% 0.25% 0.00% 2005 apr 0.48% 0.05% 0.43% 0.00% 2005 may -0.51% 0.05% -0.56% 0.00% 2005 jun 0.27% 0.05% 0.22% 0.00% 2005 jul 0.22% 0.05% 0.17% 0.00% 2005 aug -2.37% 0.05% -2.43% 0.06% 2005 sep -0.17% 0.05% -0.22% 0.00% 2005 oct 1.17% 0.05% 1.12% 0.01% 2005 nov -0.16% 0.05% -0.21% 0.00% 2005 dec 0.83% 0.05% 0.78% 0.01% 2006 jan 1.03% 0.05% 0.98% 0.01% 2006 feb -1.32% 0.05% -1.37% 0.02% 2006 mar 0.90% 0.05% 0.85% 0.01% 2006 apr 0.80% 0.05% 0.74% 0.01% 2006 may -1.85% 0.05% -1.91% 0.04% 2006 jun 0.66% 0.05% 0.61% 0.00% 2006 jul 1.05% 0.05% 1.00% 0.01% 2006 aug -1.43% 0.05% -1.49% 0.02% 2006 sep 0.98% 0.05% 0.93% 0.01% 2006 oct 1.33% 0.05% 1.27% 0.02% 2006 nov -1.54% 0.05% -1.59% 0.03% 2006 dec 0.69% 0.05% 0.64% 0.00% 2007 jan 0.67% 0.05% 0.62% 0.00% 2007 feb -1.51% 0.05% -1.56% 0.02% 2007 mar 0.59% 0.05% 0.54% 0.00% 2007 apr 0.54% 0.05% 0.49% 0.00% 2007 may -0.98% 0.05% -1.03% 0.01% 2007 jun 0.30% 0.05% 0.25% 0.00% 2007 jul 0.58% 0.05% 0.52% 0.00% 2007 aug -0.88% 0.05% -0.94% 0.01% 2007 sep 0.60% 0.05% 0.55% 0.00% 2007 oct 0.67% 0.05% 0.62% 0.00% TOTAL 0.00% 0.33%

(28)

103 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahunan average deviation Deviasi

2004

2005 -0.11% 0.20% -0.31% 0.00%

2006 1.21% 0.20% 1.01% 0.01%

2007 -0.50% 0.20% -0.70% 0.00%

TOTAL 0.00% 0.02%

(29)

104 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Schroder Dana Mantap Plus (ysi) Oktober 2004 - Oktober 2005

Return Return

Bulanan Tahunan 30/12/2003 1357560000000 1145000000 1185.64 30/9/2004 1523050000000 1212670000 1255.95 29/10/2004 1508100000000 1196480000 1260.45 0.36% 30/11/2004 1458300000000 1147070000 1271.32 0.86% 30/12/2004 1432750000000 1122100000 1276.84 0.43% 7.69% 31/1/2005 1587940000000 1219790000 1301.82 1.96% 28/2/2005 1712000000000 1313970000 1302.92 0.08% 31/3/2005 1306210000000 1016390000 1285.14 -1.36% 29/4/2005 1070000000000 832660000 1285.04 -0.01% 31/5/2005 1037240000000 802358000 1292.74 0.60% 30/6/2005 1061540000000 820441000 1293.87 0.09% 29/7/2005 798575000000 623841000 1280.1 -1.06% 31/8/2005 444004000000 372337000 1192.48 -6.84% 30/9/2005 258168000000 218815000 1179.85 -1.06% 31/10/2005 223246000000 186136000 1199.37 1.65% 30/11/2005 214446000000 176354000 1215.99 1.39% 29/12/2005 236547000000 191873000 1232.83 1.38% -3.45% 30/1/2006 404961000000 319478000 1267.57 2.82% 28/2/2006 596256000000 457595000 1303.02 2.80% 29/3/2006 571804000000 432271000 1322.79 1.52% 28/4/2006 749500000000 553776000 1353.43 2.32% 31/5/2006 670145000000 499168000 1342.52 -0.81% 30/6/2006 548707000000 407930000 1345.1 0.19% 31/7/2006 562108000000 406554000 1382.62 2.79% 31/8/2006 651043000000 462360000 1408.09 1.84% 29/9/2006 1028060000000 705423000 1457.36 3.50% 31/10/2006 1815610000000 1209950000 1500.57 2.96% 30/11/2006 2080750000000 1385300000 1502.03 0.10% 28/12/2006 2318280000000 1491880000 1553.93 3.46% 26.05% 31/1/2007 537550000000 342525000 1569.37 0.99% 28/2/2007 373622000000 237964000 1570.08 0.05% 30/3/2007 295300000000 184451000 1600.97 1.97% 30/4/2007 261129000000 160416000 1627.82 1.68% 31/5/2007 120031000000 71616000 1676.03 2.96% 29/6/2007 97369900000 58410500 1666.99 -0.54% 31/7/2007 88297100000 52991200 1666.26 -0.04% 31/8/2007 79961400000 48789500 1638.91 -1.64% 28/9/2007 79081100000 47407100 1668.13 1.78% 31/10/2007 76154700000 44994100 1692.55 1.46% 12/11/2007 74263000000 44441500 1671.03 -1.27% 7.54%

(30)

105 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Return Standart tahun bulan

2004 oct 0.36% 0.83% -0.47% 0.00% 2004 nov 0.86% 0.83% 0.03% 0.00% 2004 dec 0.43% 0.83% -0.39% 0.00% 2005 jan 1.96% 0.83% 1.13% 0.01% 2005 feb 0.08% 0.83% -0.74% 0.01% 2005 mar -1.36% 0.83% -2.19% 0.05% 2005 apr -0.01% 0.83% -0.84% 0.01% 2005 may 0.60% 0.83% -0.23% 0.00% 2005 jun 0.09% 0.83% -0.74% 0.01% 2005 jul -1.06% 0.83% -1.89% 0.04% 2005 aug -6.84% 0.83% -7.67% 0.59% 2005 sep -1.06% 0.83% -1.89% 0.04% 2005 oct 1.65% 0.83% 0.83% 0.01% 2005 nov 1.39% 0.83% 0.56% 0.00% 2005 dec 1.38% 0.83% 0.56% 0.00% 2006 jan 2.82% 0.83% 1.99% 0.04% 2006 feb 2.80% 0.83% 1.97% 0.04% 2006 mar 1.52% 0.83% 0.69% 0.00% 2006 apr 2.32% 0.83% 1.49% 0.02% 2006 may -0.81% 0.83% -1.63% 0.03% 2006 jun 0.19% 0.83% -0.64% 0.00% 2006 jul 2.79% 0.83% 1.96% 0.04% 2006 aug 1.84% 0.83% 1.01% 0.01% 2006 sep 3.50% 0.83% 2.67% 0.07% 2006 oct 2.96% 0.83% 2.14% 0.05% 2006 nov 0.10% 0.83% -0.73% 0.01% 2006 dec 3.46% 0.83% 2.63% 0.07% 2007 jan 0.99% 0.83% 0.17% 0.00% 2007 feb 0.05% 0.83% -0.78% 0.01% 2007 mar 1.97% 0.83% 1.14% 0.01% 2007 apr 1.68% 0.83% 0.85% 0.01% 2007 may 2.96% 0.83% 2.13% 0.05% 2007 jun -0.54% 0.83% -1.37% 0.02% 2007 jul -0.04% 0.83% -0.87% 0.01% 2007 aug -1.64% 0.83% -2.47% 0.06% 2007 sep 1.78% 0.83% 0.96% 0.01% 2007 oct 1.46% 0.83% 0.64% 0.00% TOTAL 0.00% 1.30%

(31)

106 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2004

2005 -3.45% 10.04% -13.49% 1.82%

2006 26.05% 10.04% 16.00% 2.56%

2007 7.54% 10.04% -2.51% 0.06%

TOTAL 0.00% 4.44%

(32)

107 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Schroder Dana Prestasi Oktober 2004 - Oktober 2007

Return Return tanggal NAV jumlah unit NAV/unit

Bulanan Tahunan 30/9/2004 90095000000 21508800 4188.75 29/10/2004 118114000000 26862900 4396.92 4.97% 30/11/2004 181926000000 36861700 4935.37 12.25% 30/12/2004 239411000000 47265700 5065.22 2.63% 53.89% 31/1/2005 283649000000 54055800 5247.34 3.60% 28/2/2005 345581000000 64327100 5372.25 2.38% 31/3/2005 469130000000 85599800 5480.51 2.02% 29/4/2005 436575000000 82792100 5273.14 -3.78% 31/5/2005 448319000000 80187100 5590.91 6.03% 30/6/2005 453054000000 77997500 5808.57 3.89% 29/7/2005 477827000000 78196300 6110.61 5.20% 31/8/2005 411160000000 73980200 5557.71 -9.05% 30/9/2005 381083000000 68185200 5588.94 0.56% 31/10/2005 335315000000 61837300 5422.53 -2.98% 30/11/2005 331471000000 59113900 5607.32 3.41% 29/12/2005 288755000000 49261600 5861.66 4.54% 15.72% 30/1/2006 220219000000 35825200 6147.04 4.87% 28/2/2006 202410000000 33129700 6109.62 -0.61% 29/3/2006 197268000000 29831300 6612.78 8.24% 28/4/2006 202891000000 27781200 7303.18 10.44% 31/5/2006 183519000000 27697300 6625.88 -9.27% 30/6/2006 182569000000 27624900 6608.84 -0.26% 31/7/2006 194629000000 28604300 6804.18 2.96% 31/8/2006 201547000000 27830700 7241.9 6.43% 29/9/2006 219384000000 28493700 7699.38 6.32% 31/10/2006 239503000000 30239800 7920.14 2.87% 30/11/2006 271428000000 31712300 8559.07 8.07% 28/12/2006 333061000000 36850300 9038.2 5.60% 54.19% 31/1/2007 328320000000 37732400 8701.29 -3.73% 28/2/2007 321232000000 37620600 8538.73 -1.87% 30/3/2007 350999000000 39269700 8938.15 4.68% 30/4/2007 337396000000 35348100 9544.96 6.79% 31/5/2007 334853000000 33412100 10021.9 5.00% 29/6/2007 352879000000 33552200 10517.3 4.94% 31/7/2007 466704000000 40168400 11618.7 10.47% 31/8/2007 519049000000 47158100 11006.6 -5.27% 28/9/2007 571937000000 48508100 11790.5 7.12% 31/10/2007 636808000000 47084000 13524.9 14.71% 12/11/2007 648929000000 48373200 13415 -0.81% 48.43%

(33)

108 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

2004 oct 4.97% 3.36% 1.61% 0.03% 2004 nov 12.25% 3.36% 8.89% 0.79% 2004 dec 2.63% 3.36% -0.72% 0.01% 2005 jan 3.60% 3.36% 0.24% 0.00% 2005 feb 2.38% 3.36% -0.97% 0.01% 2005 mar 2.02% 3.36% -1.34% 0.02% 2005 apr -3.78% 3.36% -7.14% 0.51% 2005 may 6.03% 3.36% 2.67% 0.07% 2005 jun 3.89% 3.36% 0.54% 0.00% 2005 jul 5.20% 3.36% 1.84% 0.03% 2005 aug -9.05% 3.36% -12.40% 1.54% 2005 sep 0.56% 3.36% -2.79% 0.08% 2005 oct -2.98% 3.36% -6.33% 0.40% 2005 nov 3.41% 3.36% 0.05% 0.00% 2005 dec 4.54% 3.36% 1.18% 0.01% 2006 jan 4.87% 3.36% 1.51% 0.02% 2006 feb -0.61% 3.36% -3.96% 0.16% 2006 mar 8.24% 3.36% 4.88% 0.24% 2006 apr 10.44% 3.36% 7.09% 0.50% 2006 may -9.27% 3.36% -12.63% 1.59% 2006 jun -0.26% 3.36% -3.61% 0.13% 2006 jul 2.96% 3.36% -0.40% 0.00% 2006 aug 6.43% 3.36% 3.08% 0.09% 2006 sep 6.32% 3.36% 2.96% 0.09% 2006 oct 2.87% 3.36% -0.49% 0.00% 2006 nov 8.07% 3.36% 4.71% 0.22% 2006 dec 5.60% 3.36% 2.24% 0.05% 2007 jan -3.73% 3.36% -7.08% 0.50% 2007 feb -1.87% 3.36% -5.22% 0.27% 2007 mar 4.68% 3.36% 1.32% 0.02% 2007 apr 6.79% 3.36% 3.43% 0.12% 2007 may 5.00% 3.36% 1.64% 0.03% 2007 jun 4.94% 3.36% 1.59% 0.03% 2007 jul 10.47% 3.36% 7.12% 0.51% 2007 aug -5.27% 3.36% -8.62% 0.74% 2007 sep 7.12% 3.36% 3.77% 0.14% 2007 oct 14.71% 3.36% 11.35% 1.29% TOTAL 0.00% 10.25%

(34)

109 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2004

2005 15.72% 39.45% -23.72% 5.63%

2006 54.19% 39.45% 14.74% 2.17%

2007 48.43% 39.45% 8.98% 0.81%

TOTAL 0.00% 8.61%

(35)

110 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

SCHRODER DANA TERPADU (ysi) Oktober 2004 - Oktober 2005

Return Return

Bulanan Tahunan 30/12/2003 162604000000 71169900 2284.73 30/9/2004 664099000000 226602000 2930.69 29/10/2004 930332000000 305869000 3041.6 3.78% 30/11/2004 1218070000000 370282000 3289.57 8.15% 30/12/2004 1500870000000 451261000 3325.94 1.11% 45.57% 31/1/2005 1677300000000 491848000 3410.19 2.53% 28/2/2005 1963530000000 558053000 3518.53 3.18% 31/3/2005 2390110000000 672714000 3552.94 0.98% 29/4/2005 2484190000000 709403000 3501.8 -1.44% 31/5/2005 2663240000000 733752000 3629.63 3.65% 30/6/2005 2815420000000 756125000 3723.48 2.59% 29/7/2005 3038580000000 791843000 3837.35 3.06% 31/8/2005 2709570000000 757646000 3576.3 -6.80% 30/9/2005 2508040000000 693763000 3615.13 1.09% 31/10/2005 2311400000000 643715000 3590.72 -0.68% 30/11/2005 2263670000000 617682000 3664.78 2.06% 29/12/2005 2161290000000 566903000 3812.45 4.03% 14.63% 30/1/2006 1938860000000 488831000 3966.31 4.04% 28/2/2006 1892450000000 476972000 3967.62 0.03% 29/3/2006 1822930000000 436259000 4178.55 5.32% 28/4/2006 1902390000000 424991000 4476.3 7.13% 31/5/2006 113786000000 26698000 4261.94 -4.79% 30/6/2006 79554500000 18752900 4242.24 -0.46% 31/7/2006 70189900000 16208200 4330.53 2.08% 31/8/2006 63755800000 14149200 4505.97 4.05% 29/9/2006 60487900000 12966500 4664.92 3.53% 31/10/2006 50242800000 10595800 4741.76 1.65% 30/11/2006 46300600000 9300980 4978.03 4.98% 28/12/2006 43936100000 8571320 5125.95 2.97% 34.45% 31/1/2007 39992700000 7989810 5005.46 -2.35% 28/2/2007 36357700000 7364210 4937.08 -1.37% 30/3/2007 35245400000 6914420 5097.38 3.25% 30/4/2007 33875500000 6352700 5332.46 4.61% 31/5/2007 33305800000 6071330 5485.75 2.87% 29/6/2007 33686500000 5959370 5652.7 3.04% 31/7/2007 34455200000 5687980 6057.54 7.16% 31/8/2007 30882800000 5320970 5803.98 -4.19% 28/9/2007 31857000000 5272230 6042.42 4.11% 31/10/2007 32005200000 4902170 6528.78 8.05% 12/11/2007 31629900000 4851680 6519.36 -0.14% 27.18%

(36)

111 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

2004 oct 3.78% 2.24% 1.54% 0.02% 2004 nov 8.15% 2.24% 5.91% 0.35% 2004 dec 1.11% 2.24% -1.14% 0.01% 2005 jan 2.53% 2.24% 0.29% 0.00% 2005 feb 3.18% 2.24% 0.93% 0.01% 2005 mar 0.98% 2.24% -1.27% 0.02% 2005 apr -1.44% 2.24% -3.68% 0.14% 2005 may 3.65% 2.24% 1.41% 0.02% 2005 jun 2.59% 2.24% 0.34% 0.00% 2005 jul 3.06% 2.24% 0.81% 0.01% 2005 aug -6.80% 2.24% -9.05% 0.82% 2005 sep 1.09% 2.24% -1.16% 0.01% 2005 oct -0.68% 2.24% -2.92% 0.09% 2005 nov 2.06% 2.24% -0.18% 0.00% 2005 dec 4.03% 2.24% 1.79% 0.03% 2006 jan 4.04% 2.24% 1.79% 0.03% 2006 feb 0.03% 2.24% -2.21% 0.05% 2006 mar 5.32% 2.24% 3.07% 0.09% 2006 apr 7.13% 2.24% 4.88% 0.24% 2006 may -4.79% 2.24% -7.03% 0.49% 2006 jun -0.46% 2.24% -2.71% 0.07% 2006 jul 2.08% 2.24% -0.16% 0.00% 2006 aug 4.05% 2.24% 1.81% 0.03% 2006 sep 3.53% 2.24% 1.28% 0.02% 2006 oct 1.65% 2.24% -0.60% 0.00% 2006 nov 4.98% 2.24% 2.74% 0.08% 2006 dec 2.97% 2.24% 0.73% 0.01% 2007 jan -2.35% 2.24% -4.59% 0.21% 2007 feb -1.37% 2.24% -3.61% 0.13% 2007 mar 3.25% 2.24% 1.00% 0.01% 2007 apr 4.61% 2.24% 2.37% 0.06% 2007 may 2.87% 2.24% 0.63% 0.00% 2007 jun 3.04% 2.24% 0.80% 0.01% 2007 jul 7.16% 2.24% 4.92% 0.24% 2007 aug -4.19% 2.24% -6.43% 0.41% 2007 sep 4.11% 2.24% 1.86% 0.03% 2007 oct 8.05% 2.24% 5.81% 0.34% TOTAL 0.00% 4.08%

(37)

112 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2004

2005 14.63% 25.42% -10.79% 1.17%

2006 34.45% 25.42% 9.03% 0.82%

2007 27.18% 25.42% 1.76% 0.03%

TOTAL 0.00% 2.01%

(38)

113 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

REKSA DANA SCHRODER DANA ISTIMEWA (ysi) Oktober 2005 - Oktober 2007

Return Return

Bulanan Tahunan 27/12/2004 6000000000 6000000 1000 30/12/2004 6793190000 6801270 998.81 30/9/2005 762819000000 663797000 1149.17 31/10/2005 702470000000 617584000 1137.44 -1.02% 30/11/2005 695079000000 599341000 1159.73 1.96% 29/12/2005 581444000000 478024000 1216.34 4.88% 21.78% 30/1/2006 423783000000 334434000 1267.16 4.18% 28/2/2006 401317000000 318259000 1260.97 -0.49% 29/3/2006 314043000000 229610000 1367.72 8.47% 28/4/2006 327236000000 217073000 1507.49 10.22% 31/5/2006 338864000000 249052000 1360.61 -9.74% 30/6/2006 354682000000 262359000 1351.89 -0.64% 31/7/2006 369546000000 264319000 1398.1 3.42% 31/8/2006 370578000000 247726000 1495.91 7.00% 29/9/2006 407040000000 254274000 1600.79 7.01% 31/10/2006 446228000000 270072000 1652.25 3.21% 30/11/2006 537650000000 301386000 1783.92 7.97% 28/12/2006 662527000000 349351000 1896.45 6.31% 55.91% 31/1/2007 809118000000 444521000 1820.2 -4.02% 28/2/2007 820065000000 458754000 1787.59 -1.79% 30/3/2007 877721000000 473086000 1855.31 3.79% 30/4/2007 763682000000 383676000 1990.43 7.28% 31/5/2007 801046000000 376801000 2125.91 6.81% 29/6/2007 884365000000 398514000 2219.15 4.39% 31/7/2007 1058060000000 425856000 2484.55 11.96% 31/8/2007 946662000000 403393000 2346.74 -5.55% 28/9/2007 1003220000000 395863000 2534.25 7.99% 31/10/2007 1013470000000 350591000 2890.73 14.07% 12/11/2007 966903000000 336318000 2874.96 -0.55% 51.60%

(39)

114 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Bulanan Average Deviation Deviasi

2005 oct -1.02% 3.91% -4.93% 0.24% 2005 nov 1.96% 3.91% -1.95% 0.04% 2005 dec 4.88% 3.91% 0.98% 0.01% 2006 jan 4.18% 3.91% 0.27% 0.00% 2006 feb -0.49% 3.91% -4.39% 0.19% 2006 mar 8.47% 3.91% 4.56% 0.21% 2006 apr 10.22% 3.91% 6.31% 0.40% 2006 may -9.74% 3.91% -13.65% 1.86% 2006 jun -0.64% 3.91% -4.55% 0.21% 2006 jul 3.42% 3.91% -0.49% 0.00% 2006 aug 7.00% 3.91% 3.09% 0.10% 2006 sep 7.01% 3.91% 3.11% 0.10% 2006 oct 3.21% 3.91% -0.69% 0.00% 2006 nov 7.97% 3.91% 4.06% 0.17% 2006 dec 6.31% 3.91% 2.40% 0.06% 2007 jan -4.02% 3.91% -7.93% 0.63% 2007 feb -1.79% 3.91% -5.70% 0.32% 2007 mar 3.79% 3.91% -0.12% 0.00% 2007 apr 7.28% 3.91% 3.38% 0.11% 2007 may 6.81% 3.91% 2.90% 0.08% 2007 jun 4.39% 3.91% 0.48% 0.00% 2007 jul 11.96% 3.91% 8.05% 0.65% 2007 aug -5.55% 3.91% -9.45% 0.89% 2007 sep 7.99% 3.91% 4.08% 0.17% 2007 oct 14.07% 3.91% 10.16% 1.03% 2007 nov -0.55% 3.91% -4.45% 0.20% TOTAL 0.00% 7.48%

(40)

115 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2005 21.78% 43.10% -21.32% 4.54%

2006 55.91% 43.10% 12.82% 1.64%

2007 51.60% 43.10% 8.50% 0.72%

TOTAL 0.00% 6.91%

(41)

116 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Fortis Prima (ysi) Oktober 2004 - Oktober 2007

Return Return

Bulanan Tahunan 30/12/2003 179602000000 184622000 972.81 30/9/2004 114836000000 112101000 1024.39 29/10/2004 108466000000 105266000 1030.4 0.59% 30/11/2004 102092000000 97950000 1042.29 1.15% 30/12/2004 91920400000 89076900 1031.92 -0.99% 6.08% 31/1/2005 85103800000 81095700 1049.42 1.70% 28/2/2005 83251000000 79193700 1051.23 0.17% 31/3/2005 62589100000 60052500 1042.24 -0.86% 29/4/2005 53423600000 51473200 1037.89 -0.42% 31/5/2005 51654100000 49433700 1044.92 0.68% 30/6/2005 48902300000 46713700 1046.85 0.18% 29/7/2005 38293200000 36749300 1042.01 -0.46% 31/8/2005 25464300000 25587400 995.19 -4.49% 30/9/2005 16539500000 16827700 982.87 -1.24% 31/10/2005 15242100000 15332900 994.08 1.14% 30/11/2005 15184900000 15141900 1002.84 0.88% 29/12/2005 18062100000 18050400 1000.65 -0.22% -3.03% 30/1/2006 19432600000 19090200 1017.94 1.73% 28/2/2006 19232900000 18600000 1034.03 1.58% 29/3/2006 20419600000 19539700 1045.03 1.06% 28/4/2006 21276700000 20038600 1061.79 1.60% 31/5/2006 22204300000 20585600 1078.64 1.59% 30/6/2006 23897800000 21858100 1093.32 1.36% 31/7/2006 24455100000 21691600 1127.4 3.12% 31/8/2006 40417700000 35124900 1150.68 2.06% 29/9/2006 93017500000 77811700 1195.42 3.89% 31/10/2006 160106000000 130191000 1229.78 2.87% 30/11/2006 221470000000 179545000 1233.51 0.30% 28/12/2006 293845000000 229352000 1281.2 3.87% 28.04% 31/1/2007 354348000000 275429000 1286.53 0.42% 28/2/2007 360460000000 281127000 1282.2 -0.34% 30/3/2007 402628000000 308772000 1303.97 1.70% 30/4/2007 700406000000 527937000 1326.69 1.74% 31/5/2007 1071190000000 783511000 1367.17 3.05% 29/6/2007 1251430000000 916665000 1365.2 -0.14% 31/7/2007 1008160000000 741284000 1360.02 -0.38% 31/8/2007 714959000000 536595000 1332.4 -2.03% 28/9/2007 354810000000 260638000 1361.32 2.17% 31/10/2007 360732000000 263291000 1370.09 0.64% 12/11/2007 326665000000 242801000 1345.4 -1.80% 5.01%

(42)

117 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

2004 oct 0.59% 0.80% -0.22% 0.00% 2004 nov 1.15% 0.80% 0.35% 0.00% 2004 dec -0.99% 0.80% -1.80% 0.03% 2005 jan 1.70% 0.80% 0.89% 0.01% 2005 feb 0.17% 0.80% -0.63% 0.00% 2005 mar -0.86% 0.80% -1.66% 0.03% 2005 apr -0.42% 0.80% -1.22% 0.01% 2005 may 0.68% 0.80% -0.12% 0.00% 2005 jun 0.18% 0.80% -0.62% 0.00% 2005 jul -0.46% 0.80% -1.26% 0.02% 2005 aug -4.49% 0.80% -5.30% 0.28% 2005 sep -1.24% 0.80% -2.04% 0.04% 2005 oct 1.14% 0.80% 0.34% 0.00% 2005 nov 0.88% 0.80% 0.08% 0.00% 2005 dec -0.22% 0.80% -1.02% 0.01% 2006 jan 1.73% 0.80% 0.93% 0.01% 2006 feb 1.58% 0.80% 0.78% 0.01% 2006 mar 1.06% 0.80% 0.26% 0.00% 2006 apr 1.60% 0.80% 0.80% 0.01% 2006 may 1.59% 0.80% 0.78% 0.01% 2006 jun 1.36% 0.80% 0.56% 0.00% 2006 jul 3.12% 0.80% 2.31% 0.05% 2006 aug 2.06% 0.80% 1.26% 0.02% 2006 sep 3.89% 0.80% 3.09% 0.10% 2006 oct 2.87% 0.80% 2.07% 0.04% 2006 nov 0.30% 0.80% -0.50% 0.00% 2006 dec 3.87% 0.80% 3.06% 0.09% 2007 jan 0.42% 0.80% -0.39% 0.00% 2007 feb -0.34% 0.80% -1.14% 0.01% 2007 mar 1.70% 0.80% 0.90% 0.01% 2007 apr 1.74% 0.80% 0.94% 0.01% 2007 may 3.05% 0.80% 2.25% 0.05% 2007 jun -0.14% 0.80% -0.95% 0.01% 2007 jul -0.38% 0.80% -1.18% 0.01% 2007 aug -2.03% 0.80% -2.83% 0.08% 2007 sep 2.17% 0.80% 1.37% 0.02% 2007 oct 0.64% 0.80% -0.16% 0.00% TOTAL 0.00% 0.98%

(43)

118 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2004

2005 -3.03% 10.01% -13.04% 1.70%

2006 28.04% 10.01% 18.03% 3.25%

2007 5.01% 10.01% -4.99% 0.25%

TOTAL 0.00% 5.20%

(44)

119 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Fortis Rupiah Plus (ysi) Oktober 2004 - Oktober 2007

Return Return

Bulanan Tahunan 30/12/2003 1309200000000 1291550000 1013.66 30/9/2004 1111650000000 1033680000 1075.43 29/10/2004 1062620000000 983556000 1080.38 0.46% 30/11/2004 1017610000000 935377000 1087.91 0.70% 30/12/2004 938480000000 859327000 1092.11 0.39% 7.74% 31/1/2005 940893000000 852441000 1103.76 1.07% 28/2/2005 827162000000 747416000 1106.7 0.27% 31/3/2005 678636000000 614223000 1104.87 -0.17% 29/4/2005 623048000000 563968000 1104.76 -0.01% 31/5/2005 624033000000 561757000 1110.86 0.55% 30/6/2005 633604000000 568767000 1114 0.28% 29/7/2005 557287000000 500188000 1114.16 0.01% 31/8/2005 422993000000 390702000 1082.65 -2.83% 30/9/2005 218500000000 206084000 1060.25 -2.07% 31/10/2005 178431000000 166451000 1071.97 1.11% 30/11/2005 169641000000 156962000 1080.78 0.82% 29/12/2005 213310000000 195407000 1091.62 1.00% -0.04% 30/1/2006 212420000000 191836000 1107.3 1.44% 28/2/2006 211464000000 188522000 1121.69 1.30% 29/3/2006 229751000000 202927000 1132.18 0.94% 28/4/2006 200533000000 174941000 1146.29 1.25% 31/5/2006 183817000000 159369000 1153.4 0.62% 30/6/2006 168577000000 144937000 1163.11 0.84% 31/7/2006 172949000000 146731000 1178.68 1.34% 31/8/2006 172935000000 145015000 1192.53 1.18% 29/9/2006 174130000000 144856000 1202.09 0.80% 31/10/2006 173808000000 142515000 1219.57 1.45% 30/11/2006 173939000000 141427000 1229.89 0.85% 28/12/2006 170695000000 137539000 1241.07 0.91% 13.69% 31/1/2007 172925000000 137844000 1254.5 1.08% 28/2/2007 207718000000 165133000 1257.89 0.27% 30/3/2007 224976000000 177382000 1268.31 0.83% 30/4/2007 261211000000 204707000 1276.02 0.61% 31/5/2007 231084000000 179346000 1288.48 0.98% 29/6/2007 242044000000 186862000 1295.31 0.53% 31/7/2007 235307000000 180936000 1300.5 0.40% 31/8/2007 213747000000 164226000 1301.54 0.08% 28/9/2007 200197000000 152679000 1311.23 0.74% 31/10/2007 214439000000 162094000 1322.93 0.89% 8/11/2007 224388000000 169597000 1323.06 0.01% 6.61%

(45)

120 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

2004 oct 0.46% 0.56% -0.10% 0.00% 2004 nov 0.70% 0.56% 0.13% 0.00% 2004 dec 0.39% 0.56% -0.18% 0.00% 2005 jan 1.07% 0.56% 0.50% 0.00% 2005 feb 0.27% 0.56% -0.30% 0.00% 2005 mar -0.17% 0.56% -0.73% 0.01% 2005 apr -0.01% 0.56% -0.57% 0.00% 2005 may 0.55% 0.56% -0.01% 0.00% 2005 jun 0.28% 0.56% -0.28% 0.00% 2005 jul 0.01% 0.56% -0.55% 0.00% 2005 aug -2.83% 0.56% -3.39% 0.12% 2005 sep -2.07% 0.56% -2.63% 0.07% 2005 oct 1.11% 0.56% 0.54% 0.00% 2005 nov 0.82% 0.56% 0.26% 0.00% 2005 dec 1.00% 0.56% 0.44% 0.00% 2006 jan 1.44% 0.56% 0.87% 0.01% 2006 feb 1.30% 0.56% 0.73% 0.01% 2006 mar 0.94% 0.56% 0.37% 0.00% 2006 apr 1.25% 0.56% 0.68% 0.00% 2006 may 0.62% 0.56% 0.06% 0.00% 2006 jun 0.84% 0.56% 0.28% 0.00% 2006 jul 1.34% 0.56% 0.77% 0.01% 2006 aug 1.18% 0.56% 0.61% 0.00% 2006 sep 0.80% 0.56% 0.24% 0.00% 2006 oct 1.45% 0.56% 0.89% 0.01% 2006 nov 0.85% 0.56% 0.28% 0.00% 2006 dec 0.91% 0.56% 0.34% 0.00% 2007 jan 1.08% 0.56% 0.52% 0.00% 2007 feb 0.27% 0.56% -0.29% 0.00% 2007 mar 0.83% 0.56% 0.26% 0.00% 2007 apr 0.61% 0.56% 0.04% 0.00% 2007 may 0.98% 0.56% 0.41% 0.00% 2007 jun 0.53% 0.56% -0.03% 0.00% 2007 jul 0.40% 0.56% -0.16% 0.00% 2007 aug 0.08% 0.56% -0.48% 0.00% 2007 sep 0.74% 0.56% 0.18% 0.00% 2007 oct 0.89% 0.56% 0.33% 0.00% TOTAL 0.00% 0.26%

(46)

121 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2004

2005 -0.04% 6.75% -6.80% 0.46%

2006 13.69% 6.75% 6.94% 0.48%

2007 6.61% 6.75% -0.14% 0.00%

TOTAL 0.00% 0.94%

(47)

122 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Fortis Pesona Campuran (3yr) Oktober 2005 - Oktober 2007

Return Return

Bulanan Tahunan 30/12/2004 93713400000 25075000 3737.32 30/9/2005 491944000000 115626000 4254.61 31/10/2005 449726000000 105950000 4244.69 -0.23% 30/11/2005 458151000000 104380000 4389.24 3.41% 29/12/2005 323861000000 70521300 4592.39 4.63% 22.88% 30/1/2006 182519000000 36577600 4989.91 8.66% 28/2/2006 179560000000 35506000 5057.18 1.35% 29/3/2006 144564000000 26399200 5476.09 8.28% 28/4/2006 175346000000 28149800 6229.04 13.75% 31/5/2006 297981000000 51737000 5759.54 -7.54% 30/6/2006 395960000000 69061700 5733.43 -0.45% 31/7/2006 475274000000 78995300 6016.48 4.94% 31/8/2006 511955000000 80608200 6351.15 5.56% 29/9/2006 623609000000 94018700 6632.83 4.44% 31/10/2006 741733000000 106237000 6981.88 5.26% 30/11/2006 1069800000000 142377000 7513.8 7.62% 28/12/2006 1423620000000 182369000 7806.25 3.89% 69.98% 31/1/2007 1450030000000 192256000 7542.15 -3.38% 28/2/2007 1380990000000 185088000 7461.27 -1.07% 30/3/2007 1382340000000 174957000 7901.05 5.89% 30/4/2007 1237810000000 143091000 8650.46 9.48% 31/5/2007 1247520000000 133934000 9314.41 7.68% 29/6/2007 1263680000000 130788000 9662.01 3.73% 31/7/2007 1351880000000 123477000 10948.5 13.31% 31/8/2007 1637410000000 161227000 10156 -7.24% 28/9/2007 1890970000000 172153000 10984.2 8.15% 31/10/2007 2111880000000 168301000 12548.2 14.24% 60.75%

(48)

123 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

2005 oct -0.23% 4.57% -4.81% 0.23% 2005 nov 3.41% 4.57% -1.17% 0.01% 2005 dec 4.63% 4.57% 0.05% 0.00% 2006 jan 8.66% 4.57% 4.08% 0.17% 2006 feb 1.35% 4.57% -3.23% 0.10% 2006 mar 8.28% 4.57% 3.71% 0.14% 2006 apr 13.75% 4.57% 9.18% 0.84% 2006 may -7.54% 4.57% -12.11% 1.47% 2006 jun -0.45% 4.57% -5.03% 0.25% 2006 jul 4.94% 4.57% 0.36% 0.00% 2006 aug 5.56% 4.57% 0.99% 0.01% 2006 sep 4.44% 4.57% -0.14% 0.00% 2006 oct 5.26% 4.57% 0.69% 0.00% 2006 nov 7.62% 4.57% 3.04% 0.09% 2006 dec 3.89% 4.57% -0.68% 0.00% 2007 jan -3.38% 4.57% -7.96% 0.63% 2007 feb -1.07% 4.57% -5.65% 0.32% 2007 mar 5.89% 4.57% 1.32% 0.02% 2007 apr 9.48% 4.57% 4.91% 0.24% 2007 may 7.68% 4.57% 3.10% 0.10% 2007 jun 3.73% 4.57% -0.84% 0.01% 2007 jul 13.31% 4.57% 8.74% 0.76% 2007 aug -7.24% 4.57% -11.81% 1.40% 2007 sep 8.15% 4.57% 3.58% 0.13% 2007 oct 14.24% 4.57% 9.66% 0.93% TOTAL 0.00% 68.61%

(49)

124 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2005

2006 69.98% 65.36% 4.62% 0.21%

2007 60.75% 65.36% -4.62% 0.21%

TOTAL 0.00% 0.43%

(50)

125 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

REKSA DANA FORTIS SPEKTRA (ysi) Oktober 2005 - Oktober 2007

Return Return tanggal NAV jumlah unit NAV/unit

Bulanan Tahunan 30/9/2005 36808000000 37022600 994.2 31/10/2005 35257500000 35152400 1002.99 0.88% 30/11/2005 35106600000 34703300 1011.62 0.86% 29/12/2005 33436400000 32615700 1025.16 1.34% 30/1/2006 29340500000 27628200 1061.97 3.59% 28/2/2006 29691000000 27401300 1083.56 2.03% 29/3/2006 30073800000 27132400 1108.41 2.29% 28/4/2006 31567200000 26910900 1173.03 5.83% 31/5/2006 30324400000 26679400 1136.62 -3.10% 30/6/2006 25665500000 22680800 1131.6 -0.44% 31/7/2006 16975700000 14415800 1177.58 4.06% 31/8/2006 16477500000 13717300 1201.22 2.01% 29/9/2006 17056800000 13938100 1223.76 1.88% 31/10/2006 17132100000 13600500 1259.67 2.93% 30/11/2006 16578500000 12861100 1289.04 2.33% 28/12/2006 17034500000 12577700 1354.34 5.07% 32.11% 31/1/2007 16758100000 12383100 1353.31 -0.08% 28/2/2007 14224200000 10592000 1342.92 -0.77% 30/3/2007 14149100000 10300700 1373.6 2.28% 30/4/2007 13355000000 9253690 1443.2 5.07% 31/5/2007 14153300000 9323170 1518.08 5.19% 29/6/2007 14792600000 9547600 1549.35 2.06% 31/7/2007 14102500000 8889820 1586.37 2.39% 31/8/2007 12413700000 8292670 1496.95 -5.64% 28/9/2007 12303000000 8024290 1533.22 2.42% 31/10/2007 12243500000 7621930 1606.36 4.77% 12/11/2007 12281900000 7618250 1612.16 0.36% 19.04%

(51)

126 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Bulanan Average Deviation Deviasi

2005 oct 0.88% 1.91% -1.02% 0.01% 2005 nov 0.86% 1.91% -1.05% 0.01% 2005 dec 1.34% 1.91% -0.57% 0.00% 2006 jan 3.59% 1.91% 1.68% 0.03% 2006 feb 2.03% 1.91% 0.12% 0.00% 2006 mar 2.29% 1.91% 0.38% 0.00% 2006 apr 5.83% 1.91% 3.92% 0.15% 2006 may -3.10% 1.91% -5.01% 0.25% 2006 jun -0.44% 1.91% -2.35% 0.06% 2006 jul 4.06% 1.91% 2.15% 0.05% 2006 aug 2.01% 1.91% 0.10% 0.00% 2006 sep 1.88% 1.91% -0.03% 0.00% 2006 oct 2.93% 1.91% 1.03% 0.01% 2006 nov 2.33% 1.91% 0.42% 0.00% 2006 dec 5.07% 1.91% 3.16% 0.10% 2007 jan -0.08% 1.91% -1.98% 0.04% 2007 feb -0.77% 1.91% -2.68% 0.07% 2007 mar 2.28% 1.91% 0.38% 0.00% 2007 apr 5.07% 1.91% 3.16% 0.10% 2007 may 5.19% 1.91% 3.28% 0.11% 2007 jun 2.06% 1.91% 0.15% 0.00% 2007 jul 2.39% 1.91% 0.48% 0.00% 2007 aug -5.64% 1.91% -7.55% 0.57% 2007 sep 2.42% 1.91% 0.51% 0.00% 2007 oct 4.77% 1.91% 2.86% 0.08% 2007 nov 0.36% 1.91% -1.55% 0.02% TOTAL 0.00% 1.67%

(52)

127 Lampiran 10: Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2006 32.11% 25.57% 6.54% 0.43%

2007 19.04% 25.57% -6.54% 0.43%

TOTAL 0.00% 0.85%

(53)

128 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Fortis Ekuitas (ysi) Oktober 2004 - Oktober 2007

Return Return

Bulanan Tahunan 30/12/2003 19308200000 11300800 1708.57 30/9/2004 22236600000 10702300 2077.75 29/10/2004 23959000000 10936800 2190.68 5.44% 30/11/2004 31716700000 12509800 2535.34 15.73% 30/12/2004 31650100000 12215500 2590.99 2.19% 51.65% 31/1/2005 34892000000 12799600 2726.02 5.21% 28/2/2005 38372800000 13456600 2851.59 4.61% 31/3/2005 78661100000 27484700 2861.99 0.36% 29/4/2005 84764900000 30579400 2771.97 -3.15% 31/5/2005 97149800000 33273800 2919.71 5.33% 30/6/2005 122000000000 39335600 3101.53 6.23% 29/7/2005 175819000000 52946800 3320.68 7.07% 31/8/2005 241723000000 79274700 3049.18 -8.18% 30/9/2005 247207000000 79516200 3108.89 1.96% 31/10/2005 242434000000 77317500 3135.56 0.86% 30/11/2005 240869000000 74124300 3249.53 3.63% 29/12/2005 200438000000 58014500 3454.97 6.32% 33.35% 30/1/2006 181317000000 49660400 3651.14 5.68% 28/2/2006 194944000000 52486800 3714.15 1.73% 29/3/2006 182395000000 46119100 3954.88 6.48% 28/4/2006 199514000000 45185400 4415.46 11.65% 31/5/2006 206669000000 51055200 4047.95 -8.32% 30/6/2006 226379000000 56115200 4034.18 -0.34% 31/7/2006 255833000000 60520000 4227.25 4.79% 31/8/2006 283814000000 63218700 4489.39 6.20% 29/9/2006 329014000000 69654700 4723.5 5.21% 31/10/2006 363758000000 73598900 4942.44 4.64% 30/11/2006 447334000000 83658800 5347.12 8.19% 28/12/2006 526622000000 94950800 5546.25 3.72% 60.53% 31/1/2007 653735000000 121453000 5382.6 -2.95% 28/2/2007 761488000000 138827000 5485.15 1.91% 30/3/2007 981400000000 168633000 5819.73 6.10% 30/4/2007 1050990000000 163842000 6414.68 10.22% 31/5/2007 1296820000000 185664000 6984.8 8.89% 29/6/2007 1875720000000 256804000 7304.11 4.57% 31/7/2007 3009420000000 369969000 8134.25 11.37% 31/8/2007 3946050000000 510128000 7735.41 -4.90% 28/9/2007 4697250000000 554775000 8466.95 9.46% 31/10/2007 4963100000000 511488000 9703.25 14.60% 74.95%

(54)

129 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

2004 oct 2004 nov 15.73% 4.36% 11.37% 1.29% 2004 dec 2.19% 4.36% -2.17% 0.05% 2005 jan 5.21% 4.36% 0.85% 0.01% 2005 feb 4.61% 4.36% 0.24% 0.00% 2005 mar 0.36% 4.36% -4.00% 0.16% 2005 apr -3.15% 4.36% -7.51% 0.56% 2005 may 5.33% 4.36% 0.97% 0.01% 2005 jun 6.23% 4.36% 1.86% 0.03% 2005 jul 7.07% 4.36% 2.70% 0.07% 2005 aug -8.18% 4.36% -12.54% 1.57% 2005 sep 1.96% 4.36% -2.40% 0.06% 2005 oct 0.86% 4.36% -3.50% 0.12% 2005 nov 3.63% 4.36% -0.73% 0.01% 2005 dec 6.32% 4.36% 1.96% 0.04% 2006 jan 5.68% 4.36% 1.32% 0.02% 2006 feb 1.73% 4.36% -2.64% 0.07% 2006 mar 6.48% 4.36% 2.12% 0.04% 2006 apr 11.65% 4.36% 7.28% 0.53% 2006 may -8.32% 4.36% -12.69% 1.61% 2006 jun -0.34% 4.36% -4.70% 0.22% 2006 jul 4.79% 4.36% 0.42% 0.00% 2006 aug 6.20% 4.36% 1.84% 0.03% 2006 sep 5.21% 4.36% 0.85% 0.01% 2006 oct 4.64% 4.36% 0.27% 0.00% 2006 nov 8.19% 4.36% 3.83% 0.15% 2006 dec 3.72% 4.36% -0.64% 0.00% 2007 jan -2.95% 4.36% -7.31% 0.53% 2007 feb 1.91% 4.36% -2.46% 0.06% 2007 mar 6.10% 4.36% 1.74% 0.03% 2007 apr 10.22% 4.36% 5.86% 0.34% 2007 may 8.89% 4.36% 4.52% 0.20% 2007 jun 4.57% 4.36% 0.21% 0.00% 2007 jul 11.37% 4.36% 7.00% 0.49% 2007 aug -4.90% 4.36% -9.27% 0.86% 2007 sep 9.46% 4.36% 5.09% 0.26% 2007 oct 14.60% 4.36% 10.24% 1.05% TOTAL 0.00% 10.50%

(55)

130 Lampiran 10: Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

return standar

tahun

2004

2005 33.35% 56.28% -22.93% 5.26%

2006 60.53% 56.28% 4.25% 0.18%

2007 74.95% 56.28% 18.68% 3.49%

TOTAL 0.00% 8.93%

(56)

131 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

DANAREKSA GEBYAR INDONESIA (ysi)

tanggal nav jumlah unit price 30/9/2005 1.42E+11 1.2E+08 1184.38 31/10/2005 1.26E+11 1.05E+08 1203.3 1.60% 30/11/2005 1.17E+11 96230800 1215.02 0.97% 29/12/2005 1.07E+11 87119000 1225.55 0.87% 30/1/2006 8.96E+10 72098600 1243.17 1.44% 28/2/2006 8.33E+10 66070000 1260.22 1.37% 29/3/2006 7.72E+10 60322000 1279.49 1.53% 28/4/2006 7.62E+10 58885800 1293.84 1.12% 31/5/2006 7.29E+10 56143600 1299.15 0.41% 30/6/2006 6.81E+10 52102300 1307.14 0.62% 31/7/2006 6.78E+10 51149500 1325.13 1.38% 31/8/2006 6.74E+10 50307700 1340.43 1.15% 29/9/2006 6.92E+10 50888100 1359.54 1.43% 31/10/2006 7.04E+10 51042600 1379.89 1.50% 30/11/2006 7.09E+10 51002900 1389.75 0.71% 28/12/2006 7.3E+10 51551000 1416.49 1.92% 15.58% 31/1/2007 8.73E+10 60640700 1439.63 1.63% 28/2/2007 9.61E+10 66428500 1446.66 0.49% 30/3/2007 1.02E+11 69261700 1472.99 1.82% 30/4/2007 1.22E+11 81815600 1496.14 1.57% 31/5/2007 1.54E+11 1.01E+08 1523.67 1.84% 29/6/2007 1.66E+11 1.08E+08 1526.6 0.19% 31/7/2007 1.87E+11 1.22E+08 1528.33 0.11% 31/8/2007 1.53E+11 1.02E+08 1502.64 -1.68% 28/9/2007 1.54E+11 1E+08 1535.76 2.20% 31/10/2007 1.5E+11 96625500 1551.94 1.05% 9.56% average 30.55% -17.09% 0.029194 18.17% 0.033025 -1.09% 0.000118 0.00% 0.062338 Standart Deviasi 0.031169 17.65%

(57)

132 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Danareksa Anggrek (ysi)

tanggal nav jumlah unit price 30/9/2004 2.16E+10 15519700 1391.4 29/10/2004 3.05E+10 20871600 1462.48 5.11% 30/11/2004 4.04E+10 25357900 1593.15 8.93% 30/12/2004 4.65E+10 28272900 1645.33 3.28% 31/1/2005 5.39E+10 31466500 1712.14 4.06% 28/2/2005 7.31E+10 42113600 1734.78 1.32% 31/3/2005 1.02E+11 58237800 1751.16 0.94% 29/4/2005 1.11E+11 64254800 1729.24 -1.25% 31/5/2005 1.16E+11 64207900 1799.89 4.09% 30/6/2005 8.49E+10 46325300 1831.95 1.78% 29/7/2005 9.16E+10 47584400 1925.28 5.09% 31/8/2005 8.06E+10 45191000 1784.14 -7.33% 30/9/2005 6.72E+10 37665300 1784.97 0.05% 31/10/2005 6.35E+10 35551300 1785.74 0.04% 30/11/2005 6.03E+10 33200200 1817.46 1.78% 29/12/2005 4.56E+10 24447000 1866.91 2.72% 13.47% 30/1/2006 3.57E+10 18346200 1946.44 4.26% 28/2/2006 3.23E+10 16591800 1949.29 0.15% 29/3/2006 3.33E+10 16141700 2062.87 5.83% 28/4/2006 3.55E+10 15092600 2353.7 14.10% 31/5/2006 3.53E+10 15537900 2270.2 -3.55% 30/6/2006 3.57E+10 15813500 2258.86 -0.50% 31/7/2006 3.54E+10 15291400 2316.6 2.56% 31/8/2006 3.68E+10 15138600 2428.26 4.82% 29/9/2006 4.29E+10 16963600 2530.95 4.23% 31/10/2006 4.65E+10 18009600 2581.64 2.00% 30/11/2006 5.4E+10 20048000 2694.04 4.35% 28/12/2006 5.87E+10 21143500 2776.59 3.06% 48.73% 31/1/2007 8.33E+10 31389800 2652.37 -4.47% 28/2/2007 9.94E+10 37886600 2622.96 -1.11% 30/3/2007 1.11E+11 40436300 2737.91 4.38% 30/4/2007 9.71E+10 33302400 2914.29 6.44% 31/5/2007 9.5E+10 32337600 2938.26 0.82% 29/6/2007 9.67E+10 32553100 2971.23 1.12% 31/7/2007 1.39E+11 43383400 3196.13 7.57% 31/8/2007 1.47E+11 47968700 3055.4 -4.40% 28/9/2007 1.56E+11 48542400 3220.74 5.41% 31/10/2007 1.7E+11 47211800 3594.77 11.61% 29.47% average 30.55% -17.09% 0.029194 18.17% 0.033025 -1.09% 0.000118 0.00% 0.062338 Standart Deviasi 0.031169 17.65%

(58)

133 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Danareksa Syariah Berimbang (ysi)

tanggal nav jumlah unit price

30/9/2004 6.06E+09 4241510 1428.01 29/10/2004 8.04E+09 5451220 1475.45 3.32% 30/11/2004 1.19E+10 7719540 1542.44 4.54% 30/12/2004 1.47E+10 9379840 1571.98 1.92% 31/1/2005 1.65E+10 10194400 1618.27 2.94% 28/2/2005 1.63E+10 10042200 1627.76 0.59% 31/3/2005 1.55E+10 9671310 1601.42 -1.62% 29/4/2005 1.29E+10 8164160 1584.39 -1.06% 31/5/2005 1.33E+10 8015420 1658.71 4.69% 30/6/2005 1.43E+10 8384110 1707.09 2.92% 29/7/2005 1.53E+10 8561850 1791.68 4.96% 31/8/2005 1.94E+10 11582500 1670.87 -6.74% 30/9/2005 1.79E+10 10581000 1690.96 1.20% 31/10/2005 1.77E+10 10313700 1715.93 1.48% 30/11/2005 1.24E+10 7253380 1707.84 -0.47% 29/12/2005 1.17E+10 6690460 1743.55 2.09% 10.91% 30/1/2006 1.15E+10 6240760 1842 5.65% 28/2/2006 1.14E+10 6118030 1867.34 1.38% 29/3/2006 1.21E+10 6246270 1936.45 3.70% 28/4/2006 1.37E+10 6407040 2144.62 10.75% 31/5/2006 1.37E+10 6709560 2038.79 -4.93% 30/6/2006 1.24E+10 6082420 2039.58 0.04% 31/7/2006 1.37E+10 6530050 2092.46 2.59% 30/8/2006 1.52E+10 6928080 2189.69 4.65% 29/9/2006 2.58E+10 11320300 2277.21 4.00% 31/10/2006 2.65E+10 11553600 2297.46 0.89% 30/11/2006 2.9E+10 12158800 2388.23 3.95% 28/12/2006 3.09E+10 12408100 2490.1 4.27% 42.82% 31/1/2007 4.46E+10 19188800 2322.71 -6.72% 28/2/2007 4.5E+10 19019100 2363.58 1.76% 30/3/2007 4.65E+10 19209800 2422.3 2.48% 30/4/2007 3.07E+10 11733600 2616.61 8.02% 31/5/2007 3.03E+10 11407200 2653.29 1.40% 29/6/2007 3.45E+10 12494300 2759.49 4.00% 31/7/2007 4.5E+10 15246900 2953.93 7.05% 31/8/2007 5.13E+10 18492600 2775.66 -6.04% 28/9/2007 4.69E+10 15840900 2959.73 6.63% 31/10/2007 5.54E+10 16496700 3359.13 13.49% 34.90% average 29.54% -18.63% 3.47% 13.27% 1.76% 5.36% 0.29% 0.00% 5.52% Standart Deviasi 0.0275971 16.61%

(59)

134 Lampiran 10 : Perhitungan Return Dan Standart Deviasi Reksadana (Sambungan)

Danareksa Mawar (ysi)

tanggal nav jumlah unit price 30/9/2004 2.88E+10 19665700 1462.58 29/10/2004 2.7E+10 17512500 1541.98 5.43% 30/11/2004 3.17E+10 17996000 1760.68 14.18% 30/12/2004 3.44E+10 18825500 1828.83 3.87% 31/1/2005 4.82E+10 25252300 1907.5 4.30% 28/2/2005 5.82E+10 29662300 1963.09 2.91% 31/3/2005 7.55E+10 38277800 1972.38 0.47% 29/4/2005 6.17E+10 32104300 1921.55 -2.58% 31/5/2005 6.43E+10 31862100 2018.2 5.03% 30/6/2005 6.05E+10 29242800 2069.06 2.52% 29/7/2005 7.05E+10 32127600 2195.61 6.12% 31/8/2005 7.53E+10 37724900 1994.76 -9.15% 30/9/2005 7.54E+10 37303000 2021.61 1.35% 31/10/2005 7.36E+10 36377600 2022.56 0.05% 30/11/2005 6.13E+10 29718100 2061.59 1.93% 29/12/2005 5.87E+10 27201100 2156.65 4.61% 17.93% 30/1/2006 5.5E+10 24108800 2280 5.72% 28/2/2006 5.15E+10 22493700 2287.35 0.32% 29/3/2006 4.43E+10 18424400 2403.67 5.09% 28/4/2006 3.7E+10 13503400 2743.71 14.15% 31/5/2006 3.79E+10 14855600 2551.15 -7.02% 30/6/2006 3.82E+10 15202000 2511.2 -1.57% 31/7/2006 3.99E+10 15207800 2620.95 4.37% 31/8/2006 4.07E+10 14839900 2745.26 4.74% 29/9/2006 4.09E+10 14276200 2866.99 4.43% 31/10/2006 4.21E+10 14348900 2935.27 2.38% 30/11/2006 5E+10 15918800 3143.63 7.10% 28/12/2006 5.85E+10 17822100 3280.96 4.37% 52.13% 31/1/2007 7.43E+10 23793400 3121.98 -4.85% 28/2/2007 7.51E+10 24449600 3070.12 -1.66% 30/3/2007 8.37E+10 25700600 3258.58 6.14% 30/4/2007 7.67E+10 21855100 3511.31 7.76% 31/5/2007 7.87E+10 21706000 3624.65 3.23% 29/6/2007 8.36E+10 22059100 3790.3 4.57% 31/7/2007 1.1E+11 26618300 4123.2 8.78% 31/8/2007 1.17E+11 29982100 3894.1 -5.56% 28/9/2007 1.33E+11 31720300 4192.16 7.65% 31/10/2007 1.54E+11 31358800 4924.72 17.47% 50.10% Average 40.05% -22.13% 0.048962 12.08% 0.014592 10.05% 0.010095 0.073649 standart Deviasi 0.036824636 19.19%

(60)

135 Lampiran 11 : Perhitungan Dana Investasi

Perhitungan dana yang dibutuhkan oleh klien untuk

Dana Pendidikan

Target Investasi Pendidikan Biaya Pendidikan

Saat Ini Jangka Inflasi Future Value Per tahun Per bulan Present Value TK tahun 1 9,600,000.00 3 10.00% Rp12,777,600 28.65% 2.39% Rp6,000,949 TK tahun 2 3,600,000.00 4 10.00% Rp5,270,760 28.65% 2.39% Rp1,924,129 SD tahun1 11,700,000.00 5 11.00% Rp19,715,180 28.65% 2.39% Rp5,594,378 SD tahun2 4,200,000.00 6 11.00% Rp7,855,741 28.65% 2.39% Rp1,732,720 SD tahun3 4,200,000.00 7 11.00% Rp8,719,873 28.65% 2.39% Rp1,495,001 SD tahun 4 4,200,000.00 8 11.00% Rp9,679,059 28.65% 2.39% Rp1,289,896 SD tahun 5 4,200,000.00 9 11.00% Rp10,743,755 28.65% 2.39% Rp1,112,930 SD tahun 6 4,200,000.00 10 11.00% Rp11,925,568 28.65% 2.39% Rp960,243 SMP tahun1 13,000,000.00 11 10.00% Rp37,090,517 28.65% 2.39% Rp2,321,428 SMP tahun 2 4,500,000.00 12 10.00% Rp14,122,928 28.65% 2.39% Rp687,080 SMP tahun 3 4,500,000.00 13 10.00% Rp15,535,220 28.65% 2.39% Rp587,476 SMA tahun 1 15,000,000.00 14 12.00% Rp73,306,684 28.65% 2.39% Rp2,154,798 SMA tahun 2 8,300,000.00 15 12.00% Rp45,430,596 28.65% 2.39% Rp1,038,010 SMA tahun 3 8,300,000.00 16 12.00% Rp50,882,267 28.65% 2.39% Rp903,670 S1 tahun 1 35,850,000.00 17 15.00% Rp385,791,315 28.65% 2.39% Rp5,325,814 S1 tahun 2 17,350,000.00 18 15.00% Rp214,714,120 28.65% 2.39% Rp2,304,010 S1 tahun 3 17,350,000.00 19 15.00% Rp246,921,238 28.65% 2.39% Rp2,059,550 S1 tahun 4 13,850,000.00 20 15.00% Rp226,676,543 28.65% 2.39% Rp1,469,639 Total Rp183,900,000 Rp38,961,722

(61)

136 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Perhitungan dana yang dibutuhkan oleh klien untuk

Dana Pendidikan

Tahun Setoran Suku

Bunga Bunga Penarikan Saldo Akhir

0 Rp38,961,722 28.65% Rp38,961,722 1 28.65% Rp11,162,533 Rp50,124,255 2 28.65% Rp14,360,599 Rp64,484,854 3 28.65% Rp18,474,911 Rp12,777,600 Rp70,182,165 4 28.65% Rp20,107,190 Rp5,270,760 Rp85,018,595 5 28.65% Rp24,357,828 Rp19,715,180 Rp89,661,243 6 28.65% Rp25,687,946 Rp7,855,741 Rp107,493,448 7 28.65% Rp30,796,873 Rp8,719,873 Rp129,570,448 8 28.65% Rp37,121,933 Rp9,679,059 Rp157,013,322 9 28.65% Rp44,984,317 Rp10,743,755 Rp191,253,884 10 28.65% Rp54,794,238 Rp11,925,568 Rp234,122,554 11 28.65% Rp67,076,112 Rp37,090,517 Rp264,108,148 12 28.65% Rp75,666,984 Rp14,122,928 Rp325,652,205 13 28.65% Rp93,299,357 Rp15,535,220 Rp403,416,341 14 28.65% Rp115,578,782 Rp73,306,684 Rp445,688,439 15 28.65% Rp127,689,738 Rp45,430,596 Rp527,947,581 16 28.65% Rp151,256,982 Rp50,882,267 Rp628,322,295 17 28.65% Rp180,014,338 Rp385,791,315 Rp422,545,318 18 28.65% Rp121,059,234 Rp214,714,120 Rp328,890,432 19 28.65% Rp94,227,109 Rp246,921,238 Rp176,196,302 20 28.65% Rp50,480,241 Rp226,676,543 Rp0

(62)

137 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Portfolio Investasi Dana Pendidikan

Jenis

Reksadana Nama Reksadana

Proporsi Tabungan/ tahun Average / Tahun Return Pendapatan

Tetap Fortis Rupiah Plus Rp5,844,258 6.75% Rp394,487.43

Campuran Schroder Dana Prestasi Rp7,792,344 39.45% Rp3,074,079.86 Fortis Spektra Rp11,688,517 25.57% Rp2,988,753.69 Danareksa Anggrek Rp7,792,344 30.55% Rp2,380,561.21 Saham Danareksa Mawar Rp5,844,258 40.05% Rp2,340,625.44

Total Rp38,961,722 Rp11,178,507.64 Return Portfolio 28.69% Resiko Portfolio 14.36%

(63)

138 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Perhitungan dana yang dibutuhkan oleh klien untuk

Liburan Ke Singapore, Malaysia

Jangka waktu 4 Tahun

Biaya Saat ini Rp51,570,000

Inflasi 9.00% Nilai Masa Depan Rp72,795,264 Dana yang

tersedia

Return 28.65% per tahun

2.39% per bulan

Future Value Rp0

Kekurangan

Dana Rp72,795,264

Present Value Rp26,574,430

Tahun Setoran Suku

Bunga Bunga Penarikan Saldo Akhir

0 Rp26,574,430 28.65% Rp26,574,430

1 28.65% Rp7,613,574 Rp34,188,004

2 28.65% Rp9,794,863 Rp43,982,868

3 28.65% Rp12,601,092 Rp56,583,959

(64)

139 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Portfolio Investasi Dana Liburan

Jenis Reksadana Nama Reksadana

Proporsi

Tabungan Average Return

Pendapatan Tetap Fortis Rupiah Plus Rp3,986,165 6.75% Rp269,066.11

Total Rp26,574,430 Rp7,624,469.76

Return Portfolio 28.69%

(65)

140 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Perhitungan dana yang dibutuhkan oleh klien untuk

membeli Mobil Suzuki APV

Biaya Saat ini Rp129,500,000 Inflasi 9.00% Nilai Masa Depan Rp199,251,802 Dana yang

tersedia

2.39% per bulan

Future Value Rp0

Kekurangan Dana Rp199,251,802

Tahun Setoran Suku

0 Rp56,539,675 28.65% Rp56,539,675 1 28.65% Rp16,198,617 Rp72,738,291 2 28.65% Rp20,839,521 Rp93,577,812 3 28.65% Rp26,810,043 Rp120,387,855 4 28.65% Rp34,491,120 Rp154,878,976 5 28.65% Rp44,372,827 Rp199,251,802 Rp0

(66)

141 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Portfolio Investasi Dana Untuk Pembelian Mobil

Jenis Reksadana Nama Reksadana Proporsi Tabungan Average Return

Campuran Schroder Dana Prestasi Rp11,307,935 39.45% Rp4,460,980.33 Fortis Spektra Rp16,961,902 25.57% Rp4,337,158.45 Danareksa Anggrek Rp11,307,935 30.55% Rp3,454,574.12

Saham Danareksa Mawar Rp8,480,951 40.05% Rp3,396,620.96

Total Rp56,539,675 Rp16,221,798.07

(67)

142 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Perhitungan dana yang dibutuhkan oleh klien untuk

membeli Ruko

Biaya Saat ini Rp400,000,000

Inflasi 9.00% Nilai Masa Depan Rp946,945,470 Dana yang

tersedia

2.39% per bulan

Future Value Rp0

Kekurangan Dana Rp946,945,470

Investasi Rp18,467,133 Per tahun

Rp1,315,750 Per bulan

Tahun Setoran Suku

0 Rp76,247,756 28.65% Rp76,247,756 1 28.65% Rp21,844,982 Rp98,092,738 2 28.65% Rp28,103,569 Rp126,196,307 3 28.65% Rp36,155,242 Rp162,351,549 4 28.65% Rp46,513,719 Rp208,865,268 5 28.65% Rp59,839,899 Rp268,705,167 6 28.65% Rp76,984,030 Rp345,689,198 7 28.65% Rp99,039,955 Rp444,729,153 8 28.65% Rp127,414,902 Rp572,144,055 9 28.65% Rp163,919,272 Rp736,063,327 10 28.65% Rp210,882,143 Rp946,945,470 Rp0

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143 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Portfolio Investasi Dana Untuk Pembelian Ruko

Proporsi Tabungan/ tahun Average / Tahun Return

Campuran Schroder Dana Prestasi Rp15,249,551 39.45% Rp6,015,947.93

Fortis Spektra Rp22,874,327 25.57% Rp5,848,965.34

Danareksa Anggrek Rp15,249,551 30.55% Rp4,658,737.88 Saham Danareksa Mawar Rp11,437,163 40.05% Rp4,580,583.93

Total Rp76,247,756 Rp21,876,243.60

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144 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Perhitungan dana yang dibutuhkan oleh klien untuk

Dana Pensiun

Penarikan (pensiun) 799,032,052 pertumbuhan (g) penarikan 9% APR (kp) 11% APR (ks) 28.65% periode simpanan (n) 22 periode penarikan (m) 20 simpanan 47,711,556 factor 15.24315178 PV pmt (p) 12,179,766,843.21 simpanan factor 255.2791776 Simpanan 47711556.26

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145 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Perhitungan dana untuk Dana Pensiun

periode simpanan bunga

saldo sebelum penarikan penarikan saldo setelah penarikan 0 47,711,556.26 47,711,556.26 47,711,556.26 1 13,669,360.87 61,380,917.13 61,380,917.13 2 17,585,632.76 78,966,549.89 78,966,549.89 3 22,623,916.54 101,590,466.43 101,590,466.43 4 29,105,668.63 130,696,135.07 130,696,135.07 5 37,444,442.70 168,140,577.76 168,140,577.76 6 48,172,275.53 216,312,853.29 216,312,853.29 7 61,973,632.47 278,286,485.76 278,286,485.76 8 79,729,078.17 358,015,563.93 358,015,563.93 9 102,571,459.07 460,587,023.00 460,587,023.00 10 131,958,182.09 592,545,205.09 592,545,205.09 11 169,764,201.26 762,309,406.35 762,309,406.35 12 218,401,644.92 980,711,051.27 980,711,051.27 13 280,973,716.19 1,261,684,767.46 1,261,684,767.46 14 361,472,685.88 1,623,157,453.33 1,623,157,453.33 15 465,034,610.38 2,088,192,063.71 2,088,192,063.71 16 598,267,026.25 2,686,459,089.97 2,686,459,089.97 17 769,670,529.28 3,456,129,619.24 3,456,129,619.24 18 990,181,135.91 4,446,310,755.16 4,446,310,755.16 19 1,273,868,031.35 5,720,178,786.51 5,720,178,786.51 20 1,638,831,222.34 7,359,010,008.84 7,359,010,008.84 21 2,108,356,367.53 9,467,366,376.38 9,467,366,376.38 22 2,712,400,466.83 12,179,766,843.21 12,179,766,843.21 23 1,339,774,352.75 13,519,541,195.96 799,032,052.00 12,720,509,143.96 24 1,399,256,005.84 14,119,765,149.80 870,944,936.68 13,248,820,213.12 25 1,457,370,223.44 14,706,190,436.56 949,329,980.98 13,756,860,455.58 26 1,513,254,650.11 15,270,115,105.70 1,034,769,679.27 14,235,345,426.43 27 1,565,887,996.91 15,801,233,423.33 1,127,898,950.40 14,673,334,472.93 28 1,614,066,792.02 16,287,401,264.95 1,229,409,855.94 15,057,991,409.01 29 1,656,379,054.99 16,714,370,464.00 1,340,056,742.97 15,374,313,721.03 30 1,691,174,509.31 17,065,488,230.34 1,460,661,849.84 15,604,826,380.50 31 1,716,530,901.86 17,321,357,282.36 1,592,121,416.33 15,729,235,866.03 32 1,730,215,945.26 17,459,451,811.29 1,735,412,343.80 15,724,039,467.49 33 1,729,644,341.42 17,453,683,808.92 1,891,599,454.74 15,562,084,354.18 34 1,711,829,278.96 17,273,913,633.14 2,061,843,405.67 15,212,070,227.47 35 1,673,327,725.02 16,885,397,952.49 2,247,409,312.18 14,637,988,640.32 36 1,610,178,750.43 16,248,167,390.75 2,449,676,150.27 13,798,491,240.48 37 1,517,834,036.45 15,316,325,276.93 2,670,147,003.80 12,646,178,273.14 38 1,391,079,610.04 14,037,257,883.18 2,910,460,234.14 11,126,797,649.04 39 1,223,947,741.39 12,350,745,390.44 3,172,401,655.21 9,178,343,735.23 40 1,009,617,810.87 10,187,961,546.10 3,457,917,804.18 6,730,043,741.92 41 740,304,811.61 7,470,348,553.53 3,769,130,406.56 3,701,218,146.98 42 407,133,996.17 4,108,352,143.15 4,108,352,143.15 0.00

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146 Lampiran 11 : Perhitungan Dana Investasi (Sambungan)

Portfolio Investasi Dana Pensiun

Proporsi

Tabungan Average Return

Total Rp47,711,556 Rp13,688,922.61

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147 Lampiran 12 : Artikel Penunjang

Tabel Reksa Dana

Reksa dana NAB/Unit _(IDR) Mitra distribusi _SheetFact Prospektus Fortis Equitra 1.589,88 ABN AMRO Bank

Commonwealth Bank DBS Bank

Bank Niaga

Standard Chartered Bank Fortis Ekuitas 7.283,45 Citibank, N.A.

Commonwealth Bank Deutsche Bank Lippo Bank

Standard Chartered Bank Fortis Infrastruktur

Plus 1.215,33 Citibank, N.A. Fortis Lestari Dua 1.522,52 ABN AMRO Bank

Commonwealth Bank Bank Danamon

Standard Chartered Bank Fortis Likuid 1.000,00 Commonwealth Bank

American Express Bank,Ltd.

Fortis Prima 1.367,27 Citibank, N.A. Deutsche Bank Lippo Bank

Standard Chartered Bank Fortis Pesona 9.643,66 ABN AMRO Bank

American Express Bank, Ltd. Citibank, N.A. Commonwealth Bank Bank Danamon DBS Bank Deutsche Bank HSBC Bank Niaga

Standard Chartered Bank Fortis Pesona Amanah 1.039,52 HSBC

Fortis Rupiah Plus 1.293,62 Citibank, N.A. Deutsche Bank Lippo Bank

Standard Chartered Bank Fortis Spektra 1.556,89 Standard Chartered Bank Niaga Smart Fund 1.592,45 Bank Niaga

Prima Reksa Pasar

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148 Lampiran 12: Artikel Penunjang (Sambungan)

HOME | ABOUT US | CONTACT US Important Information

Public Funds Fund Range Daily Prices Prospectuses Monthly Factsheets Annual Reports Fund Awards

Fund Awards

Our constant aim is to ensure the best possible performance for your investment. In

recognition of this outstanding investment performance, Schroder Indonesia recently received the following awards.

Award Year Fund Category

Investor Award 2006 2006 Reksadana Schroder Dana Prestasi Plus

Best Mutual Fund for Equity category based on risk adjusted return of 2002 - 2005

Investor Award 2006 2006 Reksadana Schroder Dana Terpadu

Best Mutual Fund for Balanced category based on risk adjusted return of 2004 - 2005

Investor Award 2006 2006 Reksadana Schroder Dana Terpadu

Best Mutual Fund for Balanced category based on risk adjusted return of 20020 - 2005

Bisnis Indonesia Award

2004 Schroder Dana Prestasi Plus

Best Mutual Fund of 2003

Bisnis Indonesia Award

2003 Schroder Dana

Terpadu

Best Mutual Fund of 2002

Issued by PT Schroder Investment Management Indonesia, 31st Floor JSE Building Tower 2, Jl Jend Sudirman Kav 52-53, Jakarta 12190, Indonesia. PT Schroder Investment Management Indonesia is regulated by Bapepam.

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