??? 80 ??? 4

2

1) ? 2) (Cash Flow) ? 60 50,000 600,000 ???

2 1 50,000 600,000 !!! 2 !!! 2 3 2 () 1 ()

4 1) 2) 3) 3 (... ) (... ) ( ...)

4) 5 (4.1) (4.2) (4.3) (4.4) (4.5) (Pension Choice) 4 2

1) 2) 3) 4) 60 5) 60

1,000,000 20 20,000,000 600,000

566,667 15 8,500,000 33,333 600,000 16,667 89 1,066,667 90 3,333,333 ( ) 3,333,333 28,166,667 331%

6) 7) 8) (ROI) 9) 15% 10) 11) 12)

N/A N/A N/A + +

N/A N/A N/A

( 100,000)

- (.) ..2551 2A 80%

( 1% ) Time Value of Money

Pension Choice 7%

Pension Choice

Pension Choice Pension Choice 4% 4%

Pension Choice Pension Choice

Pension Choice ( )

LTF 10 Pension Choice 9 Pension Choice