以下是使用Algo Once 來描述這個頁面是如何算出來的:
Algo Once pseudo-code is designed to describe the algorithm in local languages with VB style code.
by Chao-Yih Hsia (Mark Hsia) 2010/08/06
退休年齡檢驗 Retirement Age Check
| $initflag=0 |
|
|
|
|
|
|
|
| if [目前年齡]==0 then |
|
|
|
|
|
|
| |
[目前年齡]= 30 |
|
|
|
|
|
|
| |
[退休年齡] = 60 |
|
|
|
|
|
|
| |
[預計終老年齡] = 80 |
|
|
|
|
|
|
| |
[通貨膨脹率] = 2 |
|
|
|
|
|
|
| |
[投資報酬率] = 6 |
|
|
|
|
|
|
| |
[生息資產] = 200000 |
|
|
|
|
|
|
| |
[年儲蓄] = 100000 |
|
|
|
|
|
|
| |
[目前年支出] = 400000 |
|
|
|
|
|
| |
[退休生活調整率] = 75 |
|
|
|
|
|
| |
$initflag=1 |
|
|
|
|
|
|
| end if |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| // N=退休年齡B - 目前年齡A |
|
|
|
|
|
|
| $N = [退休年齡] - [目前年齡] |
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| // M=預計終老年齡C - 退休年齡B |
|
|
|
|
|
| $M= [預計終老年齡] - [退休年齡] |
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| $P= [通貨膨脹率] / 100. |
|
|
|
|
|
|
| $I = [投資報酬率] / 100. |
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| If ($N==0) OR ($M==0) OR ($I==0) OR ($P==0) Then |
|
|
|
|
| |
{驗證結果}=`輸入資料錯誤!` |
|
|
|
|
|
| Else |
|
|
|
|
|
|
|
|
| |
// 退休後年支出 = 目前年支出 × 退休生活調整率 × 複利終值係數(P, N) |
|
| |
[退休後年支出] = [目前年支出]*[退休生活調整率] / 100. *CF($P, $N) |
|
| |
|
|
|
|
|
|
|
|
| |
// 退休金資產 = 生息資產F × 複利終值係數(I, N) + 年儲蓄S × 年金終值係數 (I, N) |
| |
[退休金資產] = [生息資產]*CF($I, $N) + [年儲蓄]*AF($I, $N) |
|
|
| |
|
|
|
|
|
|
|
|
| |
// 退休金負債 = 退休後年支出 × 年金現值係數(I-P, M) |
|
|
| |
[退休金負債] = [退休後年支出]*AP($I- $P, $M) |
|
|
|
| |
|
|
|
|
|
|
|
|
| End If |
|
|
|
|
|
|
|
|
| if $initflag==1 then |
|
|
|
|
|
|
|
| //initialized, need to verify result |
|
|
|
|
|
|
| |
if abs(([退休金資產] - 9060000) / 9060000 ) < 0.001 then |
|
|
| |
|
{驗證結果}=`` |
|
|
|
|
|
| |
else |
|
|
|
|
|
|
|
| |
|
{驗證結果}=`起始驗證錯誤, 請勿繼續使用計算結果!` |
|
| |
end if |
|
|
|
|
|
|
|
| end if |
|
|
|
|
|
|
|
|
// CopyRight (c) 2010 Chao-Yih Hsia