PUC Exemplo Simplificado V.14072011

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Capitalização_PUC_Simplif
		Para simulações altere os parâmetros em azul
		Os resultados do processamento estão em verde
	
	EXEMPLO: FUNDO DE PREVIDENCIA ABC
	PROVISÃO MATEMÁTICA DE BENEFÍCIOS A CONCEDER
	Benefício:			Aposentadoria Normal
	Data da Avaliação:			12/31/10
	Atualização Salarios:			* 1.000000	Cadastro Base Dez - Sal. No pico na data da aval.
	Crescimento Salarial:			1.010000	1% aa
	Idade da Aposent. MASC:			60
	Idade da Aposent. FEM:			55
	T SProj. Máx.			30
	Valor do Benefício:			1.00	em percentagem do salário
	Nº de Benef.no ano:			13
	Tábua Mort. Geral:			AT 2000 M
	Taxa de Juros:			6%	aa
	Nº Segurados:			9
	Patrimônio do Plano			$0.00
																					* Aqui no Segurado paga a metade do percentual,limitado a 11%.
																					O Patrão paga o restante do custo.
	MATRIC	DN	S	ADM	SALÁRIO	SAL.
CORRIG	IDADE	TS	TS FUTURO
DIFERIM.	TS
PROJET.
MAX.	SALÁRIO 
PROJETADO	BENEFÍCIO PROJETADO	tEx	ä55 ou 
ä60	VABF	VACF	PMBaC	CUSTO
 NORMAL 
(DO ANO)	TAXA %	% Segurado	% Patrão
	10903	9/25/68	M	9/25/81	$9,019.61	$9,019.61	42	29	18	30	$10,788.78	$10,788.78	0.330106	12.758671	$590,710.65	$19,690.35	$571,020.30	$19,690.36	16.8%	8.4%	8.4%
	25445	11/10/66	M	11/10/95	$6,372.55	$6,372.55	44	15	16	30	$7,472.32	$7,472.32	0.371860	12.758671	$460,874.94	$230,437.47	$230,437.47	$15,362.50	18.5%	9.3%	9.3%
	26558	5/17/64	F	5/17/97	$6,862.75	$6,862.75	47	14	8	22	$7,431.37	$7,431.37	0.611695	13.710989	$810,245.03	$294,634.56	$515,610.47	$36,829.32	41.3%	11.0%	30.3%
	18562	8/1/67	M	6/1/88	$7,843.14	$7,843.14	43	23	17	30	$9,288.67	$9,288.67	0.350333	12.758671	$539,738.51	$125,938.99	$413,799.52	$17,991.28	17.6%	8.8%	8.8%
	19155	3/9/69	M	3/9/89	$8,529.41	$8,529.41	42	22	18	30	$10,202.43	$10,202.43	0.330106	12.758671	$558,606.56	$148,961.75	$409,644.81	$18,620.22	16.8%	8.4%	8.4%
	26702	9/23/70	F	9/23/97	$7,549.02	$7,549.02	40	13	15	28	$8,764.18	$8,764.18	0.402820	13.710989	$629,266.48	$337,107.04	$292,159.44	$22,473.80	22.9%	11.0%	11.9%
	28995	4/4/77	F	4/4/00	$4,901.96	$4,901.96	34	11	21	30	$6,041.14	$6,041.14	0.282687	13.710989	$304,394.64	$192,783.27	$111,611.37	$10,146.49	15.9%	8.0%	8.0%
	28211	12/18/80	F	12/18/99	$5,098.04	$5,098.04	30	11	25	30	$6,537.89	$6,537.89	0.223290	13.710989	$260,206.81	$164,797.65	$95,409.16	$8,673.56	13.1%	6.5%	6.5%
	29757	7/20/88	M	7/20/02	$4,800.00	$4,800.00	22	8	38	30	$7,005.73	$7,005.73	0.101464	12.758671	$117,900.65	$86,460.48	$31,440.17	$3,930.02	6.3%	3.1%	3.1%
	
	Total				$60,976.48	$60,976.48									$4,271,944.27	$1,600,811.55	$2,671,132.72	$153,717.55	19.4%
BASES TÉCNICAS_SIMPLIF
	
	juros=	6.00%
		Vincule aqui a tábua escolhida na planilha ao lado.						Vincule a tábua escolhida à planilha ao lado.
	TABUA DE COMUTAÇÃO
	x	AT 2000 M	lx	Dx	Nx	äx		x	AT 49 M	AT 83 M	AT 2000 M
	0	0.00208	* 100,000	* 100,000	* 1,733,283	17.332833		0	* 0.004040	* 0.002690	* 0.002080
	1	0.000815	* 99,792	* 94,143	* 1,633,283	17.348889		1	* 0.001580	* 0.001053	* 0.000815
	2	0.000454	* 99,711	* 88,742	* 1,539,140	17.343958		2	* 0.000887	* 0.000591	* 0.000454
	3	0.000367	* 99,665	* 83,681	* 1,450,398	17.332464		3	* 0.000715	* 0.000476	* 0.000367
	4	0.000321	* 99,629	* 78,915	* 1,366,717	17.318768		4	* 0.000627	* 0.000417	* 0.000321
	5	0.000291	* 99,597	* 74,425	* 1,287,801	17.303449		5	* 0.000566	* 0.000377	* 0.000291
	6	0.00027	* 99,568	* 70,191	* 1,213,377	17.286686		6	* 0.000526	* 0.000350	* 0.000270
	7	0.000257	* 99,541	* 66,200	* 1,143,185	17.268550		7	* 0.000500	* 0.000333	* 0.000257
	8	0.000294	* 99,515	* 62,437	* 1,076,985	17.249096		8	* 0.000487	* 0.000352	* 0.000294
	9	0.000325	* 99,486	* 58,886	* 1,014,548	17.229107		9	* 0.000482	* 0.000368	* 0.000325
	10	0.00035	* 99,454	* 55,534	* 955,662	17.208446		10	* 0.000483	* 0.000382	* 0.000350
	11	0.000371	* 99,419	* 52,373	* 900,128	17.186968		11	* 0.000492	* 0.000394	* 0.000371
	12	0.000388	* 99,382	* 49,390	* 847,755	17.164554		12	* 0.000502	* 0.000405	* 0.000388
	13	0.000402	* 99,344	* 46,576	* 798,365	17.141078		13	* 0.000512	* 0.000415	* 0.000402
	14	0.000414	* 99,304	* 43,922	* 751,789	17.116424		14	* 0.000524	* 0.000425	* 0.000414
	15	0.000425	* 99,263	* 41,419	* 707,867	17.090484		15	* 0.000537	* 0.000435	* 0.000425
	16	0.000437	* 99,220	* 39,058	* 666,448	17.063165		16	* 0.000551	* 0.000446	* 0.000437
	17	0.000449	* 99,177	* 36,831	* 627,390	17.034399		17	* 0.000567	* 0.000458	* 0.000449
	18	0.000463	* 99,132	* 34,730	* 590,560	17.004098		18	* 0.000584	* 0.000472	* 0.000463
	19	0.00048	* 99,087	* 32,749	* 555,829	16.972202		19	* 0.000603	* 0.000488	* 0.000480
	20	0.000499	* 99,039	* 30,881	* 523,080	16.938665		20	* 0.000624	* 0.000505	* 0.000499
	21	0.000519	* 98,990	* 29,118	* 492,199	16.903419		21	* 0.000648	* 0.000525	* 0.000519
	22	0.000542	* 98,938	* 27,456	* 463,081	16.866378		22	* 0.000674	* 0.000546	* 0.000542
	23	0.000566	* 98,885	* 25,888	* 435,625	16.827481		23	* 0.000702	* 0.000570	* 0.000566
	24	0.000592	* 98,829	* 24,409	* 409,737	16.786632		24	* 0.000733	* 0.000596	* 0.000592
	25	0.000616	* 98,770	* 23,013	* 385,329	16.743742		25	* 0.000768	* 0.000622	* 0.000616
	26	0.000639	* 98,709	* 21,697	* 362,315	16.698653		26	* 0.000806	* 0.000650	* 0.000639
	27	0.000659	* 98,646	* 20,456	* 340,618	16.651212		27	* 0.000849	* 0.000677	* 0.000659
	28	0.000675	* 98,581	* 19,285	* 320,162	16.601225		28	* 0.000896	* 0.000704	* 0.000675
	29	0.000687	* 98,515	* 18,182	* 300,877	16.548468		29	* 0.000947	* 0.000731	* 0.000687
	30	0.000694	* 98,447	* 17,141	* 282,695	16.492707		30	* 0.001004	* 0.000759	* 0.000694
	31	0.000699	* 98,379	* 16,159	* 265,554	16.433674		31	* 0.001067	* 0.000786	* 0.000699
	32	0.0007	* 98,310	* 15,234	* 249,395	16.371138		32	* 0.001136	* 0.000814	* 0.000700
	33	0.000701	* 98,241	* 14,361	* 234,161	16.304820		33	* 0.001213	* 0.000843	* 0.000701
	34	0.000702	* 98,172	* 13,539	* 219,800	16.234490		34	* 0.001297	* 0.000876	* 0.000702
	35	0.000704	* 98,103	* 12,764	* 206,261	16.159903		35	* 0.001391	* 0.000917	* 0.000704
	36	0.000719	* 98,034	* 12,033	* 193,497	16.080818		36	* 0.001494	* 0.000968	* 0.000719
	37	0.000749	* 97,964	* 11,344	* 181,464	15.997169		37	* 0.001607	* 0.001032	* 0.000749
	38	0.000796	* 97,890	* 10,693	* 170,121	15.908915		38	* 0.001733	* 0.001114	* 0.000796
	39	0.000864	* 97,812	* 10,080	* 159,427	15.816040		39	* 0.001872	* 0.001216	* 0.000864
	40	0.000953	* 97,728	* 9,501	* 149,347	15.718583		40	* 0.002025	* 0.001341	* 0.000953
	41	0.001065	* 97,635	* 8,955	* 139,846	15.616581		41	* 0.002220	* 0.001492	* 0.001065
	42	0.001201	* 97,531	* 8,439	* 130,891	15.510094		42	* 0.002481	* 0.001673	* 0.001201
	43	0.001362	* 97,414	* 7,952	* 122,452	15.399194		43	* 0.002804	* 0.001886	* 0.001362
	44	0.001547	* 97,281	* 7,492	* 114,500	15.283962		44	* 0.003187	* 0.002129	* 0.001547
	45	0.001752	* 97,130	* 7,057	* 107,009	15.164459		45	* 0.003625	* 0.002399	* 0.001752
	46	0.001974	* 96,960	* 6,645	* 99,952	15.040678		46	* 0.004116	* 0.002693	* 0.001974
	47	0.002211	* 96,769	* 6,257	* 93,307	14.912556		47	* 0.004657	* 0.003009	* 0.002211
	48	0.00246	* 96,555	* 5,890	* 87,050	14.779988		48	* 0.005246	* 0.003343	* 0.002460
	49	0.002721	* 96,317	* 5,543	* 81,160	14.642809		49	* 0.005880	* 0.003694	* 0.002721
	50	0.002994	* 96,055	* 5,215	* 75,617	14.500834		50	* 0.006557	* 0.004057	* 0.002994
	51	0.003279	* 95,768	* 4,905	* 70,403	14.353860		51	* 0.007277	* 0.004431	* 0.003279
	52	0.003576	* 95,454	* 4,612	* 65,498	14.201658		52	* 0.008038	* 0.004812	* 0.003576
	53	0.003884	* 95,112	* 4,335	* 60,886	14.043979		53	* 0.008840	* 0.005198	* 0.003884
	54	0.004203	* 94,743	* 4,074	* 56,550	13.880530		54	* 0.009682	* 0.005591	* 0.004203
	55	0.004534	* 94,345	* 3,827	* 52,476	13.710989		55	* 0.010565	* 0.005994	* 0.004534
	56	0.004876	* 93,917	* 3,594	* 48,649	13.535016		56	* 0.011491	* 0.006409	* 0.004876
	57	0.005228	* 93,459	* 3,374	* 45,055	13.352223		57	* 0.012460	* 0.006839	* 0.005228
	58	0.005593	* 92,970	* 3,167	* 41,680	13.162168		58	* 0.013476	* 0.007290	* 0.005593
	59	0.005988	* 92,450	* 2,971
* 38,514	12.964408		59	* 0.014542	* 0.007782	* 0.005988
	60	0.006428	* 91,897	* 2,786	* 35,543	12.758671		60	* 0.015662	* 0.008338	* 0.006428
	61	0.006933	* 91,306	* 2,611	* 32,757	12.544830		61	* 0.016869	* 0.008983	* 0.006933
	62	0.00752	* 90,673	* 2,446	* 30,146	12.322954		62	* 0.018199	* 0.009740	* 0.007520
	63	0.008207	* 89,991	* 2,291	* 27,700	12.093273		63	* 0.019666	* 0.010630	* 0.008207
	64	0.009008	* 89,253	* 2,143	* 25,409	11.856173		64	* 0.021283	* 0.011664	* 0.009008
	65	0.00994	* 88,449	* 2,004	* 23,266	11.612146		65	* 0.023066	* 0.012851	* 0.009940
	66	0.011016	* 87,570	* 1,871	* 21,262	11.361811		66	* 0.025030	* 0.014199	* 0.011016
	67	0.012251	* 86,605	* 1,746	* 19,391	11.105862		67	* 0.027193	* 0.015717	* 0.012251
	68	0.013657	* 85,544	* 1,627	* 17,645	10.845076		68	* 0.029577	* 0.017414	* 0.013657
	69	0.015233	* 84,376	* 1,514	* 16,018	10.580276		69	* 0.032202	* 0.019296	* 0.015233
	70	0.016979	* 83,090	* 1,407	* 14,504	10.312178		70	* 0.035092	* 0.021371	* 0.016979
	71	0.018891	* 81,680	* 1,304	* 13,098	10.041401		71	* 0.038272	* 0.023647	* 0.018891
	72	0.020967	* 80,137	* 1,207	* 11,793	9.768420		72	* 0.041771	* 0.026131	* 0.020967
	73	0.023209	* 78,456	* 1,115	* 10,586	9.493578		73	* 0.045620	* 0.028835	* 0.023209
	74	0.025644	* 76,635	* 1,028	* 9,471	9.217112		74	* 0.049852	* 0.031794	* 0.025644
	75	0.028304	* 74,670	* 945	* 8,443	8.939380		75	* 0.054501	* 0.035046	* 0.028304
	76	0.03122	* 72,557	* 866	* 7,499	8.660881		76	* 0.059609	* 0.038631	* 0.031220
	77	0.034425	* 70,291	* 791	* 6,633	8.382227		77	* 0.065216	* 0.042587	* 0.034425
	78	0.037948	* 67,872	* 721	* 5,842	8.104146		78	* 0.071368	* 0.046951	* 0.037948
	79	0.041812	* 65,296	* 654	* 5,121	7.827430		79	* 0.078113	* 0.051755	* 0.041812
	80	0.046037	* 62,566	* 591	* 4,467	7.552876		80	* 0.085503	* 0.057026	* 0.046037
	81	0.050643	* 59,686	* 532	* 3,875	7.281256		81	* 0.093593	* 0.062791	* 0.050643
	82	0.055651	* 56,663	* 477	* 3,343	7.013306		82	* 0.102443	* 0.069081	* 0.055651
	83	0.06108	* 53,510	* 425	* 2,866	6.749734		83	* 0.112113	* 0.075908	* 0.061080
	84	0.066948	* 50,241	* 376	* 2,442	6.491201		84	* 0.122669	* 0.083230	* 0.066948
	85	0.073275	* 46,878	* 331	* 2,066	6.238315		85	* 0.134178	* 0.090987	* 0.073275
	86	0.080076	* 43,443	* 289	* 1,734	5.991653		86	* 0.146709	* 0.099122	* 0.080076
	87	0.08737	* 39,964	* 251	* 1,445	5.751727		87	* 0.160333	* 0.107577	* 0.087370
	88	0.095169	* 36,472	* 216	* 1,194	5.519028		88	* 0.175124	* 0.116316	* 0.095169
	89	0.103455	* 33,001	* 185	* 977	5.293994		89	* 0.191151	* 0.125394	* 0.103455
	90	0.112208	* 29,587	* 156	* 793	5.076860		90	* 0.208485	* 0.134887	* 0.112208
	91	0.121402	* 26,267	* 131	* 637	4.867662		91	* 0.227192	* 0.144873	* 0.121402
	92	0.131017	* 23,078	* 108	* 506	4.666209		92	* 0.247332	* 0.155429	* 0.131017
	93	0.14103	* 20,055	* 89	* 397	4.472103		93	* 0.268960	* 0.166629	* 0.141030
	94	0.151422	* 17,226	* 72	* 309	4.284701		94	* 0.292118	* 0.178537	* 0.151422
	95	0.162179	* 14,618	* 58	* 237	4.103080		95	* 0.316834	* 0.191214	* 0.162179
	96	0.173279	* 12,247	* 46	* 179	3.925975		96	* 0.343122	* 0.204721	* 0.173279
	97	0.184706	* 10,125	* 36	* 133	3.751609		97	* 0.370973	* 0.219120	* 0.184706
	98	0.196946	* 8,255	* 27	* 98	3.577489		98	* 0.400352	* 0.234735	* 0.196946
	99	0.210484	* 6,629	* 21	* 70	3.402185		99	* 0.431199	* 0.251889	* 0.210484
	100	0.225806	* 5,234	* 15	* 50	3.225160		100	* 0.463415	* 0.270906	* 0.225806
	101	0.243398	* 4,052	* 11	* 34	3.046614		101	* 0.496870	* 0.292111	* 0.243398
	102	0.263745	* 3,066	* 8	* 23	2.867307		102	* 0.531389	* 0.315826	* 0.263745
	103	0.287334	* 2,257	* 6	* 15	2.688397		103	* 0.566757	* 0.342377	* 0.287334
	104	0.314649	* 1,609	* 4	* 9	2.511276		104	* 0.602714	* 0.372086	* 0.314649
	105	0.346177	* 1,102	* 2	* 6	2.337418		105	* 0.638956	* 0.405278	* 0.346177
	106	0.382403	* 721	* 1	* 3	2.168268		106	* 0.675143	* 0.442277	* 0.382403
	107	0.423813	* 445	* 1	* 2	2.005133		107	* 0.710898	* 0.483406	* 0.423813
	108	0.470893	* 257	* 0	* 1	1.849124		108	* 0.745822	* 0.528989	* 0.470893
	109	0.524128	* 136	* 0	* 0	1.701114		109	* 1.000000	* 0.579351	* 0.524128
	110	0.584004	* 65	* 0	* 0	1.561724		110	0.0	* 0.634814	* 0.584004
	111	0.651007	* 27	* 0	* 0	1.431330		111	0.0	* 0.695704	* 0.651007
	112	0.725622	* 9	* 0	* 0	1.310082		112	0.0	* 0.762343	* 0.725622
	113	0.808336	* 3	* 0	* 0	1.197936		113	0.0	* 0.835056	* 0.808336
	114	0.899633	* 0	* 0	* 0	1.094686		114	0.0	* 0.914167	* 0.899633
	115	1	* 0	* 0	* 0	1.000000		115	0.0	* 1.000000	* 1.000000
	116	0	0.0	0.0	0.0	0.000000		116	0.0
	117	0	0.0	0.0	0.0	0.000000		117	0.0
	118	0	0.0	0.0	0.0	0.000000		118	0.0
	119	0	0.0	0.0	0.0	0.000000		119	0.0
	120	0	0.0	0.0	0.0	0.000000		120	0.0
	121	0	0.0	0.0	0.0	0.000000		121	0.0
	122	0	0.0	0.0	0.0	0.000000		122	0.0
	123	0	0.0	0.0	0.0	0.000000		123	0.0
	124	0	0.0	0.0	0.0	0.000000		124	0.0
	125	0	0.0	0.0	0.0	0.000000		125	0.0
MBD000ADD7A.unknown
MBD000B0FD2.unknown
MBD000A7F17.unknown