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Jurnal Riset Mahasiswa Matematika
Published by Universitas Islam Negeri Maulana Malik Ibrahim Malang
ISSN : 28081552     EISSN : 28084926     DOI : https://doi.org/10.18860/jrmm
Core Subject : Education,
Mathematics
Jurnal Riset Mahasiswa Matematika (JRMM) publishes current research articles in any area of Mathematics Research such as graph labelings, modeling, statistics, actuaria, optimal network problems, metric dimension, graph coloring, rainbow connection and other related topics. JRMM is published six times a year, namely in February, April, June, August, October, December JRMM is published by the Association of Indonesian Islamic Religious University Mathematics Lecturers and Department of Mathematics Universitas Islam Negeri Maulana Malik Ibrahim Malang (UIN Malang). All papers will be refereed in the normal manner of mathematical journals to maintain the high standards. JRMM is an open access journal. Full-text access to all papers is available for free. Jurnal Riset Mahasiswa Matematika (JRMM) has been indexed by Google Scholar
Arjuna Subject : Matematika - Matematika (Lain-Lain)
Articles 201 Documents
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Comparative Analysis of Pension Fund Investment Strategies: Time versus Contribution Size in Logistic Growth Model Nabila Asyiqotur Rohmah
Jurnal Riset Mahasiswa Matematika Vol 5, No 5 (2026): Jurnal Riset Mahasiswa Matematika
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/jrmm.v5i5.42173

Abstract

Pension fund planning requires optimal investment strategies to ensure financialsustainability during retirement. This study compares two common strategies,early investing with small long-term contributions versus late investing with largeshort-term contributions, using a logistic growth model $\frac{dA}{dt} = rA(1-\frac{A}{K}) + C$ solved numerically via the 4th-order Runge-Kutta method. Sevenscenarios are designed across three categories: Core Comparison (early-6\% vslate-6\%), Robustness (early-7\% vs late-7\%), and Trade-off Analysis (early-5\%vs late-6\% vs very late-8\%), all with equal total contributions ofRp360,000,000. Results show that early investing yields Rp1,009,377,036(efficiency ratio 2.80x) versus Rp583,741,686 (1.62x) for late investing, a73\% difference despite identical capital outlay. Notably, even an 8\% returncannot compensate for a delayed start against a 5\% early strategy, confirmingthat the investment horizon $t$ is the dominant variable in long-term accumulationand cannot be offset by higher contributions or returns. These findings offerpractical guidance for early pension fund decision-making and contribute to theapplication of logistic growth models in financial planning contexts.

Page 21 of 21 | Total Record : 201

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