Dynamic Calculator

7/25/2019 Dynamic Calculator

1/18

What would you like to do ?

Disclamer

Mutual Fund Investments are subject to market risk. Please read the offer document ca

The Calculator is developed by the Research Department of NJ IndiaInvest vt! "td!

This dynamic calculator is produced through series a of mathematical formulas. Utmost care is taken in creating the formulas.Calculator. The output so generated only helps the investors in making investment decisions. It may not or may not be suitedassumptions. !" IndiaInvest Pvt #td nor any of it employees or Partners are not responsible for any losses arising by the usaits basis.

#ll ri$hts are reserved! No unathorised% copyin$% editin$% distributions% rebrandin$% etc is permissible of this tool! #nydama$es% claims% etc towards NJ IndiaInvest vt! "td!% the sole owner&user of this tool! NJ 'und( Network is a part of

Calculate )I as perCalculate )I as per n

*iew )I Ta*iew )I Tabl

Calculate usin$ simCalculate usin$ simpl

Delay Cost in startin$Delay Cost in startin$ )

)I Need Calcul)I Need Calculat


2/18

refully before investing.

Certain assumptions are made in making theo your needs or according to your one of these plan$ or for any investments taken on

copyri$hts infrin$ement will $ive rise toNJ IndiaInvest vt! "td!

needs !!!eeds !!!

le

ple toolse tools

)I later !!!I later !!!

tor !!!or !!!


3/18

)+)T,-#TIC IN*,)T-,NT "#N

Returns Calculator

-onthly Investment #mount Rs! .%///&0

Investment eriod In +ears 1.

2/!//3

,nd *alue of your Investments

%s. 4%555%6//

&mount actually paid %s. 7//%///

Times amount gets rolled'over .!61

#ssumin$ Investments are made at the bi$innin$ of each month

Compoundin$ is done on an annualised basis

DI)C"8)9R,

Mutual Fund Investments are subject to market risk. Please read the offer document carefully before investing.

Returns ,:pected () &nnualised*

The mutual fund investments are dependent upon market performance. The !&+ of the scheme may go up or dondepending on the performance of the markets.


4/18

)I Table ;

,nter )I #mount 0 6%///

-onthly payments be$innin$ at the start of the month ;

,:pected ,nd *alue of your Investment 'or # -onthly Investment of Rs!1.///&0

Number of +ears of Investments

. 1/ 1. 2/ 2. 6/

1/3 261%.1.


5/18

SIP NEED CALCULATOR !!

,et -hat U -ant Through /IP in Mutual Fund 01uity /chemes 2

I want Rupees 25/%///%///

In 6. +ears

+our ,:pectations of Returns% 2/!//3 p!a!

+ou will need to do an )I of ;


6/18

)I Delay cost calculato

&t a particular given fi5ed point of time in future 2 eg.

)tep 1 -onthly Investment ; 1%.//

)tep 2 Investment Fori(on in years 1.

)tep 6 ,:pectate rate of returns p!a! 2/!//3

)tep 4 Delay in startin$ )I from today 12

0nter in Months 2

+our ,nd Investment *alue% if you had started -' )I today ;

+our ,nd Investment *alue% if you delay you delay your investm

The cost of delay is 2..%44.

If you delay your investment by 12 month&s% you stand to l

in the end value of your investment ;

#nother erspective ;

If you do delay your investment$ then 2

+ou would loose Rs! 1/


7/18

Disclamer

The Calculator is developed by the Research Department of NJ IndiaInvest vt! "td!

This dynamic calculator is produced through series a of mathematical formulas. Utmost care is taken in cCalculator. The plan so generated only helps the investors in making investment decisions. It may not orassumptions. !" IndiaInvest Pvt #td nor any of it employees or Partners are not responsible for any losse

on its basis.

#ll ri$hts are reserved! No unathorised% copyin$% editin$% distributions% rebrandin$% etc is permissidama$es% claims% etc towards NJ IndiaInvest vt! "td!% the sole owner&user of this tool! NJ 'und( N


8/18

r

/ay at your age 66 years

0nd +alue (payment at beginning of the month*

1%466%17/

ents;1%155%54.

oose Rs! 2..44.&0

in todays worth of money >>

Notes ;


9/18

eating the formulas. Certain assumptions are made in making themay not be suited to your needs or according to your ons arising by the usage of these plan$ or for any investments taken

le of this tool! #ny copyri$hts infrin$ement will $ive rise toetwork is a part of NJ IndiaInvest vt! "td!


10/18

Tools

"inks

resent *alue )in$le #mt

Future +alue %s. 677$777

&fter years 6.77

8icounting %ate ' &nn 9.77)

Present value %s. 656%7$777

< ;77$777

=

:

6

9

?

>

@

F8-,

resent *alue of a )in$le #mt

resent *alue of an #nnuity

resent *alue of Irre$ular Cash 'lows

)ystematic Investment lan 0 * H '*

'uture *alue B@rowin$

'uture *alue BDecreasin$

Wei$hted #vera$e ,:p Returns

Notes


11/18

;7 ;?

&fter years


12/18

F

Total #mt Invested 2//%///

Wei$hted #vera$e ,:p Returns 12!./3

+ou can use the above tools to input values in

The #dvisor can use the above tool to assess the followin$

3 Find out the Present Cost of an knon BB amount in future

3 Find out the Present +alue of the BCash Flo /treamB hich

Fi5ed amount of any fre1uency occuring for any duratio

8uration of running cash flos may start at any time in+ariable amounts e5pected over the ne5t ;6 years

Df an e5isting /ystematic Investment Plan ith an &M

3 Find out the future value of a present

Fi5ed asset or cash hich decreases in value as time g

Fi5ed asset or cash hich appreciates in value ith tim

%unning /ystemative Investment Plan ith an &MC

3 Find out the eighted average e5pected returns on your e5i

F8-,


13/18

#nswers uestions like Felp

-hat is the todayBs e1uivalentof %s. 6 lacs that I ill receive

after 6 yearsE

8iscounting %ateshould ideally bee1ual to the Inflation

%ate of

#nnuityis simplya series of cash

flos of a fi5edamount 0g Insurance

premium to #IC is akind of

&nnuity

-hat is the todayBs orth of aseries of monthly payments of

%s.;$777 that I ill receive for =yearsE The = years of payment ill

though start after < years.

-hat is the todayBs orth of certaincash receivables in future hen

both the amount receivable and thetime is not certainE


14/18

-hat ill be the present andthe future orth of my e5isting

/IP of %s. ;7$777 to becontinued for ne5t 6 yrs$ returns

e5pected at ;


15/18

our financial plan!

accrues in Future

n

future$ or no

oes on

e

sting investments in different asset classes


16/18

F8-,


17/18

D,"#+ C8)T

Why this hu$e difference ??

The first installment is the one that stays in the term for the lon$est! Fence it is theone that has the hi$hest appreciation>>

The difference is in the end value of client's investment

The assumptions

ayment is made at the be$innin$ of the period

The rate of return is compounded monthly

The rate of returns stays constant for the term of the )I

The delay for 1/ days is calculated by dividin$ that for 1 month by 6

The delay for 1/ days is not e:act but convenient to calculate this way% and easy to e:plain

The difference though is not very huge and can be ignored for convenience

# better way of lookin$ at is 0 you are not delayin$ the )I (since the SIP matures the same

day)but instead you are ust eliminatin$ the first installment that $ives you the most returns>>>>


18/18

Date post:	28-Feb-2018
Category:	Documents
Upload:	b-k-arun-kumar
View:	235 times
Download:	0 times

Dynamic Calculator

Documents