Question

I want a monthly income of $7,000 during my retirement. I will retire at 67 and "plan" to live until 97 (30 years after retirement). I am 42 right now. If I have $180,000 in retirement account right now, how much should I save each quarter until retirement to meet my income requirement during retirement.

Assume: 6% annual rate of return until retirement, compounded quarterly.

Assume: 0.25% monthly rate of return compounded monthly, after retirement.

Answer 1

Answer

$ Desired Monthly Income after retirement No. of years after retirement Months after retirement Monthly Rate of return after retirement 7,000 30 360 months 0.25% Compounded monthly $ Desired Monthly Income after retirement (a) Present Value Annuity Factor 0.25%, 360 periods (b) 7,000.00 237.189 Amount needed in account at retirement (c=a*b) (or Excel formula =PV(0.25%,30*12,-7000) $1,660,325.67 $1,660,325.67 25=67-42 100 Period of Service (years) Period of Service (quarter) Period of Service (month) Annual Rate of return until retirement. Quarterly Rate of return until retirement. 300 6.00% Compounded quarterly 1.50% Compounded quarterly $ $ $1,660,325.67 180,000 797,768 Amount needed in account at retirement (c) Balance in Saving Account (d) Future Value of balance in Saving (e) Amount needed in account at retirement excluding Future Value of 180000 (f=c-e) Future Value Annuity Value Factor 1.5%, 100 periods $ 862,557 228.803 Amount to be saved each quarter until retirement to meet income requirement (g*f) or Excel formula =PMT(6%/4,25*4,180000,-1660325.€ $3,769.87 $3,769.87

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Table-

Additional Analysis for understanding Schedule of Payment Year Quarter 1 2 3 Balance at beginning (ard of previous quarter) Saving (b) 1 $ 180,000.00 $ 2 $ 186,469.87 $ 31 $ 193,036.79$ 4 $ 199,702.21 $ 50 $ 206,467.619 6 $ 213,334.49 $ 7 S 220,304.38$ 8 $ 227,378.81 $ 9 $ 234,559.36 $ 10 $ 241,847.62$ 11$ 249,245.20 $ 12 $ 256,753.75$ 131 $ 264,374.935 141 $ 272,110.425 150 $ 279,961.94 $ 161 $ 287,931.24 $ 17| $ 296,020.08$ 18$ 304,230.25$ 19 $ 312,563.57S 201$ 321,021.90$ 21 $ 329,607.09 $ 22] $ 338,321.07S 23 $ 347,165.75$ 24 $ 356,143.11$ 250 $ 365,255.12$ 26 $ 374,503.82 $ 27 $ 383,891.24 $ 28 $ 393,419.48$ 29 $ 403,090.64 $ 30$ 412,906.87 $ 31 $ 422,870.34 $ 32S 432,983.27$ Interest Balance at end (c=1.5% a) (d=a+b+c) 3,769.87 $ 2,700.00 $ 186,469.87 3,769.87 $ 2,797.05$ 193,036.79 3,769.87 $ 2,895.55$ 199,702.21 3,769.87 $ 2,995.535 206,467.61 3,769.87 $ 3,097.01$ 213,334.49 3,769.87s 3,200.02 $ 220,304.38 3,769.87 $ 3,304.57S 227,378.81 3,769.87 $ 3,410.68 $ 234,559.36 3,769.87 $ 3,518.39 $ 241,847.62 3,769.87 $ 3,627.71$ 249,245.20 3,769.87 3,738.68 256,753.75 3,769.87 $ 3,851.31 $ 264,374.93 3,769.87 $ 3,965.625 272, 110.42 3,769.87 $ 4,081.66 $ 279,961.94 3,769.87 $ 4,199.43 $ 287,931.24 3,769.87 $ 4,318.97$ 296,020.08 3,769.87 $ 4,440.30$ 304,230.25 3,769.87 $ 4,563.45$ 312,563.57 3,769.87 $ 4,688.45 $ 321,021.90 3,769.87 $ 4,815.33$ 329,607.09 3,769.87 $ 4,944.11$ 338,321.07 3,769.87 $ 5,074.82 $ 347,165.75 3,769.87 $ 5,207.49 $ 356,143.11 3,769.87 $ 5,342.15$ 365,255.12 3,769.87 $ 5,478.83$ 374,503.82 3,769.87 $ 5,617.56 $ 383,891.24 3,769.87 $ 5,758.379 393,419.48 3,769.87s 5,901.29 $ 403,090.64 3,769.875 6,046.36 $ 412,906.87 3,769.875 6,193.60 $ 422,870.34 3,769.87 $ 6,343.06 $ 432,983.27 3,769.87 $ 6,494.75$ 443,247.89 5 6 7 8

10 11 12 13 331 $ 34 $ 350 $ 36 $ 37 $ 381 $ 39 $ 401 $ 41 $ 42 $ 43 $ 44 $ 45$ 46 $ 47 $ 48$ 49 $ 50 $ 51 $ 52 $ 53 $ 54 $ 55 $ 56 $ 571 $ 581 $ 59 $ 600 $ 61 $ 62 $ 630 $ 64 $ 65 $ 66 $ 670 $ 68 $ 443,247.89 $ 453,666.47 $ 464,241.34 $ 474,974.83$ 485,869.32 $ 496,927.23 $ 508, 151.00 $ 519,543.14 $ 531,106.15$ 542,842.61 $ 554,755.12$ 566,846.32$ 579,118.88 $ 591,575.535 604,219.04 $ 617,052.19 $ 630,077.84 $ 643,298.88 $ 656,718.23 $ 670,338.87 $ 684,163.82 $ 698,196.15$ 712,438.96 $ 726,895.41 $ 741,568.71 $ 756,462.11$ 771,578.91 $ 786,922.47 $ 802,496.17 S 818,303.48$ 834,347.91 $ 850,632.99 $ 867,162.36 $ 883,939.66 $ 900,968.62$ 918,253.02 $ 3,769.87s 3,769.87 $ 3,769.87 $ 3,769.87s 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87S 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.875 3,769.87 $ 3,769.87 $ 6,648.72 $ 6,805.00 $ 6,963.62 $ 7,124.62$ 7,288.04 $ 7,453.91 $ 7,622.27$ 7,793.15$ 7,966.59 $ 8,142.64 $ 8,321.335 8,502.69$ 8,686.78$ 8,873.63 $ 9,063.29 $ 9,255.78$ 9,451.17$ 9,649.48$ 9,850.77 $ 10,055.08 $ 10,262.46 $ 10,472.94 $ 10,686.58$ 10,903.435 11,123.53 $ 11,346.93$ 11,573.68 $ 11,803.84S 12,037.44 $ 12,274.55S 12,515.22 12,759.49 $ 13,007.445 13,259.09S 13,514.53 $ 13,773.80S 453,666.47 464,241.34 474,974.83 485,869.32 496,927.23 508,151.00 519,543.14 531,106.15 542,842.61 554,755.12 566,846.32 579,118.88 591,575.53 604,219.04 617,052.19 630,077.84 643,298.88 656,718.23 670,338.87 684,163.82 698,196.15 712,438.96 726,895.41 741,568.71 756,462.11 771,578.91 786,922.47 802,496.17 818,303.48 834,347.91 850,632.99 867,162.36 883,939.66 900,968.62 918,253.02 935,796.69 14 15 16 17

18 19 20 21 69 $ 70 $ 71 $ 721 $ 731 $ 741 $ 750 $ 761 $ 77 $ 78 $ 79 $ 801 $ 81 $ 82 $ 83 $ 84 $ 85 S 861 $ 87 $ 881 $ 89 $ 90 $ 91 $ 92 $ 93$ 941 $ 95 $ 96 $ 97 $ 98 $ 99 $ 935,796.69 $ 953,603.51 $ 971,677.43S 990,022.46 $ 1,008, 642.66 $ 1,027,542.17 $ 1,046,725.17S 1,066,195.92 $ 1,085,958.73 $ 1,106,017.985 1,126,378.12 $ 1,147,043.66S 1,168,019.18$ 1,189,309.34 $ 1,210,918.84S 1,232,852.50 $ 1,255, 115.15$ 1,277,711.75$ 1,300,647.29 $ 1,323,926.87S 1,347,555.64 $ 1,371,538.85$ 1,395,881.80 $ 1,420,589.89 $ 1,445,668.61 $ 1,471,123.51 $ 1,496,960.23 $ 1,523,184.50 $ 1,549,802.14 $ 1,576,819.04 $ 1,604,241.19 $ 1,632,074.68 $ 3,769.87 $ 3,769.87 $ 3,769.875 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 3,769.87 $ 14,036.95$ 14,304.05$ 14,575.16 S 14,850.34S 15,129.64 $ 15,413.13 $ 15,700.885 15,992.94 $ 16,289.38$ 16,590.27$ 16,895.675 17,205.65$ 17,520.29 $ 17,839.64 $ 18,163.78$ 18,492.79S 18,826.73 $ 19,165.68 $ 19,509.71 $ 19,858.90$ 20,213.33 $ 20,573.08$ 20,938.23 $ 21,308.85$ 21,685.03 $ 22,066.85$ 22,454.40 $ 22,847.775 23,247.03 $ 23,652.29 $ 24,063.62 $ 24,481.12$ 953,603.51 971,677.43 990,022.46 1,008,642.66 1,027,542.17 1,046,725.17 1,066,195.92 1,085,958.73 1,106,017.98 1,126,378.12 1,147,043.66 1,168,019.18 1,189,309.34 1,210,918.84 1,232,852.50 1,255, 115.15 1,277,711.75 1,300,647.29 1,323,926.87 1,347,555.64 1,371,538.85 1,395,881.80 1,420,589.89 1,445,668.61 1,471,123.51 1,496,960.23 1,523,184.50 1,549,802.14 1,576,819.04 1,604,241.19 1,632,074.68 1,660,325.67 22 23 24 25 100 S

Monthly Income -

Year Month 26 27 Balance at beginning Interest Balance at end (a=d of previous quarter) Monthly Income (b) (c=1.5% a) (d=a+b+c) 1 S 1,660,325.67$ (7,000.00) S 4,150.81 $ 1,657,476.48 2 S 1,657,476.48$ (7,000.00) S 4,143.69 $ 1,654,620.18 31 $ 1,654,620.18$ (7,000.00 $ 4,136.55$ 1,651,756.73 4 $ 1,651,756.73 $ (7,000.00) S 4,129.39 $ 1,648,886.12 5 S 1,648,886.12$ (7,000.00) $ 4,122.22$ 1,646,008.33 6 $ 1,646,008.33 $ 17,000.00) 4,115.02 $ 1,643, 123.35 7 S 1,643,123.35$ (7,000.00) $ 4,107.81 $ 1,640,231.16 8 $ 1,640,231.16 S (7,000.00) 4,100.58$ 1,637,331.74 9 $ 1,637,331.74 $ (7,000.00) S 4,093.33 $ 1,634,425.07 101 $ 1,634,425.07S 17,000.00) $ 4,086.06 $ 1,631,511.13 11 $ 1,631,511.13 $ (7,000.00) S 4,078.78$ 1,628,589.91 12] $ 1,628,589.91 $ (7,000.00 $ 4,071.47 $ 1,625,661.39 13 $ 1,625,661.39S (7,000.00) $ 4,064.15$ 1,622,725.54 14 $ 1,622,725.54 $ (7,000.00) 4,056.81 $ 1,619,782.35 15$ 1,619,782.35s (7,000.00) $ 4,049.46 $ 1,616,831.81 16 $ 1,616,831.81 $ 17,000.00) $ 4,042.08s 1,613,873.89 171 $ 1,613,873.89 $ (7,000.00) $ 4,034.68 $ 1,610,908.57 181 $ 1,610,908.57% 17,000.00) S 4,027.27$ 1,607,935.84 19 $ 1,607,935.84 $ (7,000.00) 4,019.845 1,604,955.68 201$ 1,604,955.685 (7,000.00) 4,012.39 $ 1,601,968.07 21 S 1,601,968.07S (7,000.00) $ 4,004.92 $ 1,598,972.99 22 $ 1,598,972.99 $ (7,000.00 $ 3,997.43 $ 1,595,970.43 23 $ 1,595,970.43S (7,000.00) 3,989.93$ 1,592,960.35 24 $ 1,592,960.35$ 17,000.00) $ 3,982.40 $ 1,589,942.75 25$ 1,589,942.75$ (7,000.00 $ 3,974.86$ 1,586,917.61 26 $ 1,586,917.619 (7,000.00) $ 3,967.29 $ 1,583,884.90 27 $ 1,583,884.90$ (7,000.00) $ 3,959.71$ 1,580,844.62 28 $ 1,580,844.62$ (7,000.00) $ 3,952.11$ 1,577,796.73 29 $ 1,577,796.73 $ (7,000.00) 3,944.49 $ 1,574,741.22 301 $ 1,574,741.22 S (7,000.00) 3,936.85$ 1,571,678.07 31 $ 1,571,678.07 $ 17,000.00) $ 3,929.20 $ 1,568,607.27 32 $ 1,568,607.27$ (7,000.00) S 3,921.52$ 1,565,528.79 33 $ 1,565,528.79$ (7,000.00) 3,913.82 $ 1,562,442.61 34 $ 1,562,442.61$ 17,000.00) 3,906.11 $ 1,559,348.71 35$ 1,559,348.71 $ (7,000.00 $ 3,898.375 1,556, 247.09 36 $ 1,556,247.09 $ (7,000.00) 3,890.62$ 1,553,137.70 28

29 30 371 $ 381 $ 39 $ 40 $ 41 $ 42 $ 43 $ 441 $ 45 $ 46 $ 471 $ 48$ 49 $ 50 $ 51 $ 52 $ 53 $ 54 5 55 $ 56 $ 571 $ 58 $ 59 $ 60 $ 61 $ 62 $ 631 $ 64 $ 650 $ 66 $ 67 $ 68 $ 69 $ 70 $ 71 $ 725 73 $ 1,553,137.70S 1,550,020.55$ 1,546,895.60S 1,543,762.84 S 1,540,622.25$ 1,537,473.80$ 1,534,317.49 $ 1,531,153.28 $ 1,527,981.16 $ 1,524,801.12S 1,521,613.12 s 1,518,417.15$ 1,515,213.19 $ 1,512,001.23 $ 1,508,781.23 $ 1,505,553.18$ 1,502,317.07$ 1,499,072.865 1,495,820.54S 1,492,560.09 S 1,489,291.49 $ 1,486,014.72$ 1,482,729.76 $ 1,479,436.589 1,476,135.17$ 1,472,825.51 $ 1,469,507.58S 1,466,181.34 $ 1,462,846.80$ 1,459,503.91 $ 1,456,152.675 1,452,793.06 $ 1,449,425.04 $ 1,446,048.60 $ 1,442,663.72 $ 1,439,270.38$ 1,435,868.56 $ (7,000.00) S (7,000.00) $ (7,000.00) S (7,000.00) $ 17,000.00) (7,000.00 $ (7,000.00) (7,000.00) S 17,000.00) (7,000.00) S (7,000.00) S (7,000.00) $ 17,000.00) $ (7,000.00 $ 17,000.00) S (7,000.00 $ (7,000.00 $ (7,000.00) $ 17,000.00) (7,000.00) $ (7,000.00 $ (7,000.00 $ 17,000.00) $ (7,000.00 $ (7,000.00) $ (7,000.00) (7,000.00) (7,000.00) (7,000.00) $ 17,000.00) $ (7,000.00) S (7,000.00) 17,000.00) $ (7,000.00 $ (7,000.00) $ (7,000.00) 5 17,000.00) $ 3,882.84 $ 3,875.05$ 3,867.24s 3,859.41 $ 3,851.56 $ 3,843.68 $ 3,835.79$ 3,827.885 3,819.95$ 3,812.00 $ 3,804.03 $ 3,796.04 $ 3,788.03 $ 3,780.00 $ 3,771.95$ 3,763.88 $ 3,755.79$ 3,747.68 $ 3,739.55$ 3,731.40 $ 3,723.23 $ 3,715.04 $ 3,706.82 $ 3,698.59 $ 3,690.34 $ 3,682.06 3,673.77$ 3,665.45$ 3,657.12$ 3,648.76 $ 3,640.38$ 3,631.98 $ 3,623.56 $ 3,615.12$ 3,606.66 $ 3,598.18$ 3,589.675 1,550,020.55 1,546,895.60 1,543,762.84 1,540,622.25 1,537,473.80 1,534,317.49 1,531,153.28 1,527,981.16 1,524,801.12 1,521,613.12 1,518,417.15 1,515,213.19 1,512,001.23 1,508,781.23 1,505,553.18 1,502,317.07 1,499,072.86 1,495,820.54 1,492,560.09 1,489,291.49 1,486,014.72 1,482,729.76 1,479,436.58 1,476,135.17 1,472,825.51 1,469,507.58 1,466,181.34 1,462,846.80 1,459,503.91 1,456,152.67 1,452,793.06 1,449,425.04 1,446,048.60 1,442,663.72 1,439,270.38 1,435,868.56 1,432,458.23 31 32

33 741 $ 750 $ 76 $ 77 $ 781 $ 79 $ 80 $ 81 $ 82 $ 83 $ 84 $ 85$ 86 $ 871 $ 881 $ 89 $ 90 $ 91 $ 92 $ 93) $ 94 $ 950 $ 96 $ 971 $ 981 $ 99 $ 1001 $ 101 $ 102 $ 1035 104 $ 105 S 106 $ 107 $ 108 S 109) $ 1,432,458.23 S 1,429,039.37$ 1,425,611.97$ 1,422,176.00 $ 1,418,731.44S 1,415,278.27 1,411,816.47 $ 1,408,346.01$ 1,404,866.875 1,401,379.04 $ 1,397,882.49 $ 1,394,377.19 $ 1,390,863.14 $ 1,387,340.30 $ 1,383,808.65$ 1,380,268.17 S 1,376,718.84S 1,373, 160.64 $ 1,369,593.54 $ 1,366,017.52$ 1,362,432.56 $ 1,358,838.65$ 1,355,235.74 $ 1,351,623.835 1,348,002.89 $ 1,344,372.90S 1,340,733.83$ 1,337,085.67$ 1,333,428.38$ 1,329,761.95$ 1,326,086.36 $ 1,322,401.575 1,318,707.58S 1,315,004.34 $ 1,311,291.86 1,307,570.08$ (7,000.00) $ 17,000.00) $ 17,000.00 $ (7,000.00 $ (7,000.00 $ (7,000.00) $ (7,000.00) (7,000.00) S 17,000.00 $ (7,000.00) (7,000.00 $ (7,000.00 $ (7,000.00) $ 17,000.00) $ (7,000.00) S 17,000.00) (7,000.00) (7,000.00) 17,000.00 $ (7,000.00) (7,000.00) (7,000.00) $ (7,000.00) $ (7,000.00) $ (7,000.00) 17,000.00) $ (7,000.00) 17,000.00) $ (7,000.00 $ (7,000.00) (7,000.00 $ (7,000.00)|S (7,000.00) $ 17,000.00) $ (7,000.00) (7,000.00 3,581.15$ 3,572.60 $ 3,564.03 $ 3,555.44 $ 3,546.835 3,538.20$ 3,529.54 $ 3,520.87s 3,512.17 $ 3,503.45$ 3,494.71$ 3,485.94 $ 3,477.165 3,468.35$ 3,459.52$ 3,450.67$ 3,441.80$ 3,432.90$ 3,423.98$ 3,415.04 3,406.08$ 3,397.10 $ 3,388.09 $ 3,379.06 $ 3,370.01$ 3,360.93 $ 3,351.83$ 3,342.71$ 3,333.57 S 3,324.40$ 3,315.22$ 3,306.00 $ 3,296.775 3,287.51 $ 3,278.23S 3,268.935 1,429,039.37 1,425,611.97 1,422,176.00 1,418,731.44 1,415,278.27 1,411,816.47 1,408,346.01 1,404,866.87 1,401,379.04 1,397,882.49 1,394,377.19 1,390,863.14 1,387,340.30 1,383,808.65 1,380,268.17 1,376,718.84 1,373,160.64 1,369,593.54 1,366,017.52 1,362,432.56 1,358,838.65 1,355,235.74 1,351,623.83 1,348,002.89 1,344,372.90 1,340,733.83 1,337,085.67 1,333,428.38 1,329,761.95 1,326,086.36 1,322,401.57 1,318,707.58 1,315,004.34 1,311,291.86 1,307,570.08 1,303,839.01 "T 34 35

36 110 s 111s 112 $ 113 S 114 $ 115 $ 116 $ 117| S 1181 $ 119 $ 1201 $ 121 $ 122] $ 123 $ 124 $ 125 S 1261 $ 1271 S 128 S 129 $ 130 S 131 $ 132 S 133) $ 134 $ 135 S 136 $ 137) $ 13815 139 $ 140 $ 141 S 142] S 143 $ 144 $ 145 S 1,303,839.01 S 1,300,098.61 S 1,296,348.85$ 1,292,589.73 $ 1,288,821.20 $ 1,285,043.25S 1,281,255.86S 1,277,459.00 $ 1,273,652.65$ 1,269,836.78$ 1,266,011.375 1,262,176.40 $ 1,258,331.84 $ 1,254,477.67$ 1,250,613.87 $ 1,246,740.40 $ 1,242,857.25S 1,238,964.39S 1,235,061.81 $ 1,231,149.46 $ 1,227,227.33 $ 1,223,295.40 $ 1,219,353.64 $ 1,215,402.02S 1,211,440.535 1,207,469.13 $ 1,203,487.80S 1,199,496.52 1,195,495.26 $ 1,191,484.00 $ 1,187,462.71$ 1,183,431.375 1,179,389.95$ 1,175,338.42 $ 1,171,276.77 $ 1,167,204.96 $ 17,000.00 $ (7,000.00) (7,000.00) $ (7,000.00) (7,000.00) $ (7,000.00 $ (7,000.00 $ (7,000.00) 5 (7,000.00 $ (7,000.00 $ (7,000.00) S 17,000.00) $ (7,000.00) (7,000.00 $ (7,000.00) $ (7,000.00) (7,000.00) $ (7,000.00) (7,000.00) (7,000.00) S (7,000.00) 17,000.00) $ 17,000.00) $ (7,000.00 $ (7,000.00 $ (7,000.00) $ (7,000.00) (7,000.00) 17,000.00) S (7,000.00) (7,000.00) $ 17,000.00) 17,000.00) (7,000.00) (7,000.00 $ 17,000.00) $ 3,259.60 $ 3,250.25$ 3,240.87 $ 3,231.475 3,222.05$ 3,212.61 $ 3,203.14 3,193.65$ 3,184.13 $ 3,174.59 $ 3,165.035 3,155.44 $ 3,145.83$ 3,136.19 $ 3,126.53 $ 3,116.85$ 3,107.14 $ 3,097.41 $ 3,087.65$ 3,077.87 $ 3,068.075 3,058.24 $ 3,048.38$ 3,038.51 $ 3,028.60 $ 3,018.67$ 3,008.72$ 2,998.74 $ 2,988.74 $ 2,978.71 $ 2,968.66 $ 2,958.58$ 2,948.47 $ 2,938.35$ 2,928.19 $ 2,918.01 S 1,300,098.61 1,296,348.85 1,292,589.73 1,288,821.20 1,285,043.25 1,281,255.86 1,277,459.00 1,273,652.65 1,269,836.78 1,266,011.37 1,262,176.40 1,258,331.84 1,254,477.67 1,250,613.87 1,246,740.40 1,242,857.25 1,238,964.39 1,235,061.81 1,231,149.46 1,227,227.33 1,223,295.40 1,219,353.64 1,215,402.02 1,211,440.53 1,207,469.13 1,203,487.80 1,199,496.52 1,195,495.26 1,191,484.00 1,187,462.71 1,183,431.37 1,179,389.95 1,175,338.42 1,171,276.77 1,167,204.96 1,163,122.97 37 38

39 146 $ 147 $ 1481 S 149 $ 150 $ 151 $ 152 S 153 $ 154 $ 155 S 156 S 1571 S 158S 159 $ 160 $ 161 S 162 S 163 $ 164 $ 165 S 166 S 167) S 1685 169 $ 170 $ 171 S 172 $ 173 $ 174 S 175 S 176 $ 177 $ 1781 S 1795 180 S 1815 1,163,122.97 1,159,030.789 1,154,928.36 $ 1,150,815.68 $ 1,146,692.72 $ 1,142,559.45$ 1,138,415.85$ 1,134,261.89 $ 1,130,097.54 $ 1,125,922.79$ 1,121,737.59 $ 1,117,541.94 $ 1,113,335.79$ 1,109,119.13 1,104,891.93$ 1,100,654.16 $ 1,096,405.79$ 1,092,146.81 $ 1,087,877.18$ 1,083,596.875 1,079,305.86 $ 1,075,004.13 S 1,070,691.64 $ 1,066,368.379 1,062,034.29 $ 1,057,689.37$ 1,053,333.60 $ 1,048,966.93$ 1,044,589.35S 1,040,200.82 $ 1,035,801.32 $ 1,031,390.83$ 1,026,969.30$ 1,022,536.73 $ 1,018,093.07$ 1,013,638.30 $ (7,000.00) $ (7,000.00) (7,000.00 $ (7,000.00 $ (7,000.00) $ 17,000.00) (7,000.00 $ 17,000.00 $ (7,000.00) (7,000.00) S (7,000.00 $ (7,000.00) (7,000.00) $ 17,000.00) $ (7,000.00) $ (7,000.00) $ (7,000.00) (7,000.00 $ (7,000.00) (7,000.00) (7,000.00) (7,000.00 $ (7,000.00) S (7,000.00) $ (7,000.00) $ 17,000.00) $ (7,000.00)|S (7,000.00) (7,000.00) 17,000.00) $ (7,000.00) (7,000.00) 17,000.00) S (7,000.00) $ (7,000.00) S (7,000.00) 2,907.81 $ 2,897.58$ 2,887.32$ 2,877.04 $ 2,866.735 2,856.40 $ 2,846.04 $ 2,835.65$ 2,825.24 2,814.81 $ 2,804.34 $ 2,793.85$ 2,783.345 2,772.80 S 2,762.23 $ 2,751.64 $ 2,741.01$ 2,730.37$ 2,719.69 $ 2,708.99 $ 2,698.26 $ 2,687.51 $ 2,676.73 $ 2,665.92 $ 2,655.00 $ 2,644.22 $ 2,633.33 $ 2,622.42 $ 2,611.47 $ 2,600.50 $ 2,589.50 $ 2,578.48$ 2,567.42 $ 2,556.34 $ 2,545.23 $ 2,534.10 $ 1,159,030.78 1,154,928.36 1,150,815.68 1,146,692.72 1,142,559.45 1,138,415.85 1,134,261.89 1,130,097.54 1,125,922.79 1,121,737.59 1,117,541.94 1,113,335.79 1,109,119.13 1,104,891.93 1,100,654.16 1,096,405.79 1,092,146.81 1,087,877.18 1,083,596.87 1,079,305.86 1,075,004.13 1,070,691.64 1,066,368.37 1,062,034.29 1,057,689.37 1,053,333.60 1,048,966.93 1,044,589.35 1,040,200.82 1,035,801.32 1,031,390.83 1,026,969.30 1,022,536.73 1,018,093.07 1,013,638.30 1,009, 172.40 40 41

182 S 1,009, 172.40 $ 1831 s 1,004,695.33 S 184 S 1,000,207.07 $ 185 S 995,707.58$ 186 $ 991,196.85$ 1871 $ 986,674.84 $ 1881 $ 982,141.535 189 $ 977,596.88 $ 1901 $ 973,040.88 $ 191 $ 968,473.48$ 192 $ 963,894.66 $ 42 1931 S 959,304.40 $ 194 $ 954,702.66 $ 1955 950,089.42S 1965 945,464.64 $ 1975 940,828.30$ 1981 S 936,180.375 199 $ 931,520.82 $ 200 $ 926,849.63 $ 2017 s 922,166.75$ 202 S 917,472.17$ 203) S 912,765.85$ 204 S 908,047.76 $ 43 2055 903,317.88$ 206 S 898,576.18$ 207) 893,822.625 208S 889,057.17$ 209 $ 884,279.82 $ 210 $ 879,490.525 211 5 874,689.24 $ 212 S 869,875.97$ 213 S 865,050.66 $ 214 $ 860,213.28 $ 215$ 855,363.81 $ 2165 850,502.22$ 44217 345,628.48S 17,000.00 $ (7,000.00) (7,000.00) S 17,000.00 $ (7,000.00) (7,000.00) $ (7,000.00) S (7,000.00 $ (7,000.00 $ (7,000.00) (7,000.00) S (7,000.00) S (7,000.00) (7,000.00) 17,000.00) (7,000.00) 17,000.00) $ (7,000.00) $ (7,000.00 $ (7,000.00) (7,000.00) (7,000.00) $ 17,000.00) $ (7,000.00) S (7,000.00) $ (7,000.00) $ (7,000.00) 17,000.00) $ 17,000.00) $ (7,000.00 $ (7,000.00) (7,000.00) (7,000.00) 17,000.00) S (7,000.00) $ (7,000.00) 2,522.93 $ 2,511.74 $ 2,500.52 2,489.27$ 2,477.99 $ 2,466.69$ 2,455.35$ 2,443.99 $ 2,432.60 $ 2,421.18$ 2,409.74 $ 2,398.26 $ 2,386.76 $ 2,375.22$ 2,363.66 $ 2,352.07 $ 2,340.45$ 2,328.80$ 2,317.12$ 2,305.42 $ 2,293.68 $ 2,281.91 $ 2,270.12$ 2,258.29 $ 2,246.44 $ 2,234.56 $ 2,222.64 $ 2,210.70 S 2,198.73 $ 2,186.72$ 2,174.69 $ 2,162.63 $ 2,150.53 $ 2,138.41 $ 2,126.26 $ 2,114.07$ 1,004,695.33 1,000,207.07 995,707.58 991, 196.85 986,674.84 982,141.53 977,596.88 973,040.88 968,473.48 963,894.66 959,304.40 954,702.66 950,089.42 945,464.64 940,828.30 936,180.37 931,520.82 926,849.63 922,166.75 917,472.17 912,765.85 908,047.76 903,317.88 898,576.18 893,822.62 889,057.17 884,279.82 879,490.52 874,689.24 869,875.97 865,050.66 860,213.28 855,363.81 850,502.22 845,628.48 840,742.55

45 2181 $ 219 $ 2200 $ 2215 222 $ 223 224 $ 225 s 226 S 227 2281 $ 229 $ 2301 $ 231 $ 232 $ 233 $ 234) $ 235 S 236 S 2371 S 238 S 239 $ 2401 $ 241 S 242 $ 2431 $ 244 $ 245$ 246 $ 247| $ 248 $ 2495 250 S 251 S 252 $ 253 $ 840,742.55$ 835,844.41$ 830,934.02 $ 826,011.35$ 821,076.38$ 816,129.07 $ 811,169.40 $ 806,197.32$ 801,212.81 S 796,215.84 $ 791,206.38S 786,184.40 $ 781,149.86$ 776,102.74 $ 771,042.99 $ 765,970.60 $ 760,885.535 755,787.74 $ 750,677.21 $ 745,553.90$ 740,417.79$ 735,268.835 730, 107.00 $ 724,932.27$ 719,744.60 $ 714,543.96 $ 709,330.32$ 704,103.65$ 698,863.91 $ 693,611.07 $ 688,345.10 $ 683,065.96 $ 677,773.62$ 672,468.06 $ 667,149.23S 661,817.10 $ 17,000.00) $ (7,000.00 $ (7,000.00) (7,000.00 $ (7,000.00) $ (7,000.00) (7,000.00) S (7,000.00 $ (7,000.00) (7,000.00 $ (7,000.00) S (7,000.00 $ (7,000.00) $ (7,000.00) $ (7,000.00) $ (7,000.00) S (7,000.00 $ 17,000.00 $ (7,000.00) (7,000.00 $ (7,000.00) (7,000.00) S 17,000.00) $ (7,000.00) 17,000.00) $ 17,000.00) $ 17,000.00) $ (7,000.00 $ (7,000.00) (7,000.00) (7,000.00)|S 17,000.00) S 17,000.00) $ (7,000.00) $ (7,000.00) (7,000.00) 2,101.86$ 2,089.61$ 2,077.34 $ 2,065.03 $ 2,052.69$ 2,040.32$ 2,027.92 $ 2,015.49 $ 2,003.03 $ 1,990.54 $ 1,978.02 $ 1,965.46 $ 1,952.875 1,940.26 $ 1,927.61$ 1,914.935 1,902.21 $ 1,889.47S 1,876.69 $ 1,863.88 $ 1,851.04 $ 1,838.17$ 1,825.27$ 1,812.33 $ 1,799.36 $ 1,786.36 $ 1,773.33 $ 1,760.26 $ 1,747.16 $ 1,734.03 $ 1,720.86 $ 1,707.66 $ 1,694.43 $ 1,681.17$ 1,667.87 $ 1,654.54 $ 835,844.41 830,934.02 826,011.35 821,076.38 816,129.07 811,169.40 806,197.32 801,212.81 796,215.84 791,206.38 786,184.40 781,149.86 776,102.74 771,042.99 765,970.60 760,885.53 755,787.74 750,677.21 745,553.90 740,417.79 735,268.83 730,107.00 724,932.27 719,744.60 714,543.96 709,330.32 704,103.65 698,863.91 693,611.07 688,345.10 683,065.96 677,773.62 672,468.06 667,149.23 661,817.10 656,471.64 46 47

48 2541 $ 255 256 $ 2571 $ 258 $ 259 $ 260 $ 261 S 262 $ 263) $ 264 $ 265 $ 266 $ 267) $ 2681 $ 269 $ 2700 $ 271 $ 272) S 273) S 2741 $ 2755 276 $ 277 $ 278 $ 279 $ 280 S 281 S 282 S 283) S 2841 S 2855 286) $ 287 $ 2881 $ 289S 656,471.64 $ 651,112.82 $ 645,740.60 $ 640,354.96 $ 634,955.84 | $ 629,543.23 $ 624,117.09S 618,677.38S 613,224.08$ 607,757.14 $ 602,276.53 $ 596,782.22$ 591,274.18$ 585,752.36 $ 580,216.74$ 574,667.29 $ 569,103.95$ 563,526.71$ 557,935.53 $ 552,330.375 546,711.20$ 541,077.97$ 535,430.67$ 529,769.25$ 524,093.67S 518,403.90 $ 512,699.91 $ 506,981.66 $ 501,249.12$ 495,502.245 489,740.99$ 483,965.35$ 478,175.26 $ 472,370.70 $ 466,551.63 $ 460,718.00 $ 17,000.00 $ (7,000.00 $ (7,000.00 $ (7,000.00) (7,000.00) $ (7,000.00 $ (7,000.00 $ (7,000.00) 5 (7,000.00 $ (7,000.00) (7,000.00) S 17,000.00) $ (7,000.00) $ (7,000.00 $ (7,000.00) $ (7,000.00 $ (7,000.00) S (7,000.00) (7,000.00 $ (7,000.00) $ (7,000.00) S 17,000.00) (7,000.00) $ (7,000.00 $ (7,000.00 $ (7,000.00) $ (7,000.00) (7,000.00) (7,000.00) 5 (7,000.00) (7,000.00) $ 17,000.00) 17,000.00) (7,000.00) (7,000.00 $ 17,000.00) $ 1,641.18$ 1,627.78$ 1,614.355 1,600.89 $ 1,587.39 $ 1,573.86$ 1,560.29 $ 1,546.69S 1,533.06 $ 1,519.39 $ 1,505.69$ 1,491.96 $ 1,478.19 $ 1,464.38$ 1,450.54 $ 1,436.67 S 1,422.76 $ 1,408.82 $ 1,394.84 $ 1,380.83 $ 1,366.78$ 1,352.69$ 1,338.58$ 1,324.42 $ 1,310.23 $ 1,296.01$ 1,281.75$ 1,267.45 $ 1,253.12$ 1,238.76 $ 1,224.35$ 1,209.91 $ 1,195.44 $ 1,180.93 S 1,166.38 $ 1,151.80 $ 651,112.82 645,740.60 640,354.96 634,955.84 629,543.23 624,117.09 618,677.38 613,224.08 607,757.14 602,276.53 596,782.22 591,274.18 585,752.36 580,216.74 574,667.29 569,103.95 563,526.71 557,935.53 552,330.37 546,711.20 541,077.97 535, 430.67 529,769.25 524,093.67 518,403.90 512,699.91 506,981.66 501,249.12 495,502.24 489,740.99 483,965.35 478,175.26 472,370.70 466,551.63 460,718.00 454,869.80 49 50

51 290 S 291 $ 292 S 293) $ 2941 $ 295 $ 2961 $ 297 $ 2981 $ 299 $ 300 S 301 s 302 $ 303 $ 304) $ 305 S 3061 $ 307 S 308$ 309 s 310 $ 311 S 312 313 S 314 $ 315 S 316 $ 317 S 318$ 319 $ 320$ 321 S 322 S 323 $ 324 $ 325$ 454,869.80$ 449,006.97$ 443,129.49 $ 437,237.31 $ 431,330.41 $ 425,408.73 $ 419,472.26 $ 413,520.94 $ 407,554.74$ 401,573.63 $ 395,577.56 $ 389,566.50 $ 383,540.42 $ 377,499.27$ 371,443.02 $ 365,371.63 $ 359,285.06 $ 353,183.27$ 347,066.23 $ 340,933.89 $ 334,786.23S 328,623.19 $ 322,444.75$ 316,250.86$ 310,041.49 $ 303,816.59 $ 297,576.13 $ 291,320.08S 285,048.38$ 278,761.00 $ 272,457.90$ 266,139.04 $ 259,804.39 $ 253,453.90$ 247,087.54 $ 240,705.26 $ 17,000.00 $ (7,000.00) (7,000.00) S (7,000.00 $ (7,000.00) (7,000.00) $ 17,000.00) $ (7,000.00 $ (7,000.00 $ (7,000.00) (7,000.00) (7,000.00 $ (7,000.00) $ (7,000.00) $ 17,000.00) (7,000.00) $ 17,000.00) $ (7,000.00) (7,000.00 $ (7,000.00) (7,000.00) (7,000.00) (7,000.00) (7,000.00) (7,000.00) $ (7,000.00) (7,000.00) (7,000.00) S 17,000.00) $ (7,000.00 $ (7,000.00) (7,000.00) 17,000.00) (7,000.00) $ (7,000.00) $ 17,000.00) $ 1,137.17 S 1,122.52$ 1,107.82 $ 1,093.09 $ 1,078.33 $ 1,063.525 1,048.68 $ 1,033.80 $ 1,018.89 $ 1,003.93$ 988.94 $ 973.92 $ 958.85$ 943.75$ 928.615 913.435 898.21 $ 882.96 $ 867.67 S 852.33 $ 836.97 S 821.56 $ 806.11 S 790.635 775.10 $ 759.54 S 743.94 $ 728.30 $ 712.62 $ 696.90 $ 681.14 S 665.35 $ 649.51 $ 633.63 $ 617.725 601.76 $ 449,006.97 443,129.49 437,237.31 431,330.41 425,408.73 419,472.26 413,520.94 407,554.74 401,573.63 395,577.56 389,566.50 383,540.42 377,499.27 371,443.02 365,371.63 359,285.06 353,183.27 347,066.23 340,933.89 334,786.23 328,623.19 322,444.75 316,250.86 310,041.49 303,816.59 297,576.13 291,320.08 285,048.38 278,761.00 272,457.90 266,139.04 259,804.39 253,453.90 247,087.54 240,705.26 234,307.02 52 53

54 3261 $ 327 s 328 $ 329 $ 330 $ 331 $ 332 S 333 $ 334 $ 335 $ 336 $ 337 S 338 $ 339 $ 340 $ 3415 342 $ 343 $ 344 $ 345) $ 346 S 347 S 348 S 349 $ 350 $ 351 $ 352 $ 353 $ 354 S 355 S 356 $ 3571 S 358 $ 359 $ 360 $ 234,307.02 $ 227,892.79$ 221,462.525 215,016.17$ 208,553.72 s 202,075.10$ 195,580.29 $ 189,069.24 $ 182,541.91 $ 175,998.27$ 169,438.26 $ 162,861.86$ 156,269.01$ 149,659.68 $ 143,033.83$ 136,391.42 $ 129,732.40$ 123,056.73 $ 116,364.375 109,655.28 $ 102,929.42 $ 96,186.74 $ 89,427.21 | S 82,650.78S 75,857.40 S 69,047.05$ 62,219.66 S 55,375.215 48,513.65$ 41,634.94 $ 34,739.02$ 27,825.87S 20,895.44 $ 13,947.67 6,982.54 $ (7,000.00) $ 17,000.00) $ (7,000.00) $ (7,000.00 $ (7,000.00) S (7,000.00) 17,000.00) $ (7,000.00 $ (7,000.00) S (7,000.00 $ (7,000.00) $ 17,000.00 $ (7,000.00) 5 (7,000.00 $ 17,000.00) $ (7,000.00) 17,000.00) $ (7,000.00) $ (7,000.00 $ (7,000.00 $ (7,000.00) 17,000.00) $ (7,000.00 $ (7,000.00 $ 17,000.00) $ (7,000.00 $ (7,000.00) $ (7,000.00) 5 (7,000.00) $ (7,000.00 $ (7,000.00) (7,000.00) (7,000.00 $ (7,000.00 $ (7,000.00 $ 585.77 $ 569.73 $ 553.66 $ 537.54 S 521.38$ 505.19 $ 488.95 S 472.67$ 456.35 $ 440.00 $ 423.60 $ 407.15$ 390.67$ 374.15 357.585 340.985 324.33 $ 307.64 $ 290.91 $ 274.14 $ 257.32 $ 240.47 $ 223.57 $ 206.63 $ 189.64 $ 172.625 155.55S 138.44 $ 121.28 S 104.09 $ 86.85 S 69.56 $ 52.24 $ 34.87 $ 17.46 $ 227,892.79 221,462.52 215,016.17 208,553.72 202,075.10 195,580.29 189,069.24 182,541.91 175,998.27 169,438.26 162,861.86 156,269.01 149,659.68 143,033.83 136,391.42 129,732.40 123,056.73 116,364.37 109,655.28 102,929.42 96,186.74 89,427.21 82,650.78 75,857.40 69,047.05 62,219.66 55,375.21 48,513.65 41,634.94 34,739.02 27,825.87 20,895.44 13,947.67 6,982.54 10.00) 55

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