প্রবাস স্কিম

As a person born in 1987, I have 23 years to be 60y at the time of writing this in 2024.

Based on the table provided If someone contributes 10,000 BDT per month, and continue this for ~25 years they'll get around 80000 BDT per month.

Total capital contribution $25 * 12 * 10000 = 3,000,000$ BDT

If we get to 60y then guaranteed income is for 15years for pensioner or nominee.

Pension is 80000 BDT. This gives us for 15 year in total, the return of $15 * 12 * 80000 = 14,400,000$ BDT

S&P500/MSCI-World

Our benchmarks are:

• US S&P500: In the 32 years between February 1992 and May 2024, the S&P 500 index (in USD) had a compound annual growth rate of 10.37%, a standard deviation of 14.80%, and a Sharpe ratio of 0.66.
• Global stock market / MSCI world: In the 45 years between December 1978 and May 2024, the MSCI World index (in USD) had a compound annual growth rate of 9.77%, a standard deviation of 15.05%, and a Sharpe ratio of 0.64

Accumulation/Deposit phase

Lets set the benchmark to 10%. Putting this into compound interest calculator we get:

Summary

Initial deposit:৳ 0.00

Interest rate: 10% yearly

Effective Rate: 10.52%

Time: 25 years

Deposits:৳ 10000.00 monthly (at start)

Compounding:Daily (365/year) At the end of 25 years total portfolio: $৳ 13,471,794.70$

Yearly breakdown