Na'urar lissafin mutual fund da kuɗaɗen caji
Duba yadda kuɗaɗen caji na fund da sales loads ke rage ƙaruwa idan aka kwatanta da index fund mai arha.
Game da Na'urar lissafin mutual fund da kuɗaɗen caji
Duba yadda kuɗaɗen caji na fund da sales loads ke rage ƙaruwa idan aka kwatanta da index fund mai arha.
Ɓangare ne na sashen “Zuba jari & ajiya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin mutual fund da kuɗaɗen caji
Abin da yake lissafawa da lokacin amfani da shi
Yana nuna yadda kuɗin cajin asusun jari (fund) na yau da kullum da kuɗin sayarwa (sales load) ke rage haɓakarku idan aka kwatanta da asusu mai ƙaramin caji, a tsawon lokacin zuba jarinku.
Yadda ake amfani da shi, mataki-mataki
- Shigar da adadin da aka zuba, ƙarin kuɗin wata-wata da riba kafin caji.
- Shigar da cajin shekara na asusunku da duk wani kuɗin sayarwa na farko.
- Shigar da cajin shekara na wani zaɓi mai ƙaramin caji da shekaru.
Ma'anar kowace shigarwa
- Kowace shekara charge – Expense rabo ko ongoing charges figure.
- Front-end sales charge – Taken from Kowanne Kuɗin farko Kafin it shi ne An zuba jari.
Yadda ake karanta sakamako
- Your fund Bayan charges – The projected Saura.
- Kuɗin sayo na your fund – Growth lost compared with a fund with no charges.
- Ƙari from the low-cost fund – The Riba from switching zuwa lower charges.
Dabarar lissafi
Net return = gross return − charge. Balance = (PV × k) × (1 + m)^n + (deposit × k) × ((1 + m)^n − 1) ÷ m, where m = (1 + net)^(1 ÷ 12) − 1 and k = 1 − front load.
Misali da aka warware
20,000 plus 300 a month for 25 years at 7% before charges grows to 343,461 with no charges. With a 1.2% charge you end with 278,970, losing 64,492. A 0.15% fund ends at 334,573, which is 55,603 more.
Zato da iyakoki
- The iri ɗaya gross return akan kowane fund.
- Mai aiki funds may ko may not outperform Bayan charges.
Kurakuran da aka saba yi
- Ignoring platform fees da trading Kuɗaɗe.
- Thinking a 1% charge shi ne small. It compounds.
Tambayoyin da ake yawan yi
Mene ne expense ratio?
Kashin shekara na jarinku da ake ɗauka don gudanar da asusun. Ana cire shi daga riba kai tsaye.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Jimilla you put in
- £110,000.00
- With no charges at duka
- £343,461.22
- Kuɗin sayo na your fund
- £64,491.5518.8% na the possible Jimilla
- Low-cost fund instead
- £334,572.96
- Ƙari growth from the low-cost fund
- £55,603.30