Kalkulator reksa dana lan biaya
Delengen kepiye biaya reksa dana lan sales load ngurangi pertumbuhan dibandhingake karo index fund sing murah.
Babagan Kalkulator reksa dana lan biaya
Delengen kepiye biaya reksa dana lan sales load ngurangi pertumbuhan dibandhingake karo index fund sing murah.
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Carane nganggo Kalkulator reksa dana lan biaya
Apa sing dietung lan kapan nganggo
Nuduhake carane biaya rutin lan biaya dodolan reksa dana nyuda tuwuhe dhuwit panjenengan dibandhingake karo reksa dana biaya asor, sajrone wektu investasi.
Carane nganggo, langkah demi langkah
- Lebokna jumlah sing diinvestasikake, tambahan saben sasi lan asil sadurunge biaya.
- Lebokna biaya saben taun reksa dana panjenengan lan biaya dodolan ngarep yen ana.
- Lebokna biaya saben taun alternatif biaya asor lan taune.
Tegese saben input
- Saben taun charge – Expense rasio utawa ongoing charges figure.
- Front-end sales charge – Taken from Saben siji DP Sadurunge it yaiku Diinvestasikake.
Carane maca asile
- Your fund Sawise charges – The projected Saldo.
- Modal your fund – Growth lost compared with a fund with no charges.
- Tambahan from the low-cost fund – The Bathi from switching nganti lower charges.
Rumus
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.
Conto petungan
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.
Asumsi lan watesan
- The padha gross return kanggo saben fund.
- Aktif funds may utawa may not outperform Sawise charges.
Kesalahan umum
- Ignoring platform fees lan trading Biaya.
- Thinking a 1% charge yaiku small. It compounds.
Pitakonan sing kerep ditakokake
Apa iku expense ratio?
Persentase investasi panjenengan saben taun sing dijupuk kanggo ngelola reksa dana. Dijupuk saka asil kanthi otomatis.
Piranti sing gegandhengan
Rincian
- Total you put in
- £110,000.00
- With no charges at kabeh
- £343,461.22
- Modal your fund
- £64,491.5518.8% saka the possible total
- Low-cost fund instead
- £334,572.96
- Tambahan growth from the low-cost fund
- £55,603.30