100 /-

1
15.00%
Rs.
Rs. 1,200
Times amount gets rolled-over 1.08
Returns Expected (% Annualised)
End Value of your Investments
1,295
Amount actually paid
SYSTEMATIC INVESTMENT PLAN
Returns Calculator
Monthly Investment Amount Rs.
Investment Period In Years
The mutual fund investments are dependent upon market performance. The NAV of the scheme may go up or down depending on the
performance of the markets.
Assuming Investments are made at the biginning of each month
Compounding is done on an annualised basis
DISCLOSURE
Mutual Fund Investments are subject to market risk. Please read the offer document carefully before investing.
Enter SIP Amount -
Monthly payments beginning at the start of the month
Expected End Value of your Investment For A Monthly Investment of Rs 100
5 10 15 20 25 30
8% 7,341 18,128 33,978 57,266 91,484 141,761
12% 8,110 22,404 47,593 91,986 170,221 308,097
15% 8,734 26,302 61,637 132,707 275,656 563,177
18% 9,401 30,908 80,111 192,675 450,196 1,039,340
Realise
Your
Financial
Dreams !!
Mutual Fund Investments are subject to Market Risks. Please read the offer document carefully before investing in any mutual fund
scheme.
Exp.
Returns
SIP Table
100
Number of Years of Investments
DISCLAIMER
I want Rupees
In 1 Years
Your Expectations of Returns, 5.00% p.a.
You will need to do an SIP of Rs. per month
8.00% 10.00% 12.00% 15.00% 17.50% 20.00%
8 8 8 8 8 8
5 10 15 20 25 30
10% 129,581 49,638 24,899 13,812 8,044 4,809
12% 123,299 44,636 21,011 10,871 5,875 3,246
15% 114,492 38,020 16,224 7,535 3,628 1,776
20% 101,313 29,044 10,466 4,038 1,597 638
Monthly Amount For SIP Needed (non-growing)
Exp. Returns
Number of Years of SIP
SIP NEED CALCULATOR !!
Get What U Want !!
Through SIP in Mutual Fund Equity Schemes
100
Monthly Amount For SIP Needed
Expected Returns
Amount of Monthly SIP needed to achieve your goal in given years
How to Become a CrorePati ??
8
You can also do an SIP in a Mutual Fund Scheme as per the following details
Step 1 Monthly Investment 100
Step 2 Investment Horizon in years 10
Step 3 Expectate rate of returns p.a. 8.00%
Step 4 Delay in starting SIP from today 24
Enter in Months
Your End Investment Value, if you had started MF SIP today
Your End Investment Value, if you delay you delay your investments
4,818
If you delay your investment by 24 month/s, you stand to loose Rs. 4818/-
in the end value of your investment
Another Perspective
If you do delay your investment, then
You would loose Rs. 2,690
SIP + Delay cost calculator
At a particular given fixed point of time in future eg. Say at your age 55 years
HOME
The cost of delay is
Disclamer
The Calculator is developed by the Research Department of NJ IndiaInvest Pvt. Ltd.
All rights are reserved. No unathorised, copying, editing, distributions, rebranding, etc is permissible of this tool. Any copyrights infringement will give rise to
damages, claims, etc towards NJ IndiaInvest Pvt. Ltd., the sole owner/user of this tool. NJ Fundz Network is a part of NJ IndiaInvest Pvt. Ltd.
This dynamic calculator is produced through series a of mathematical formulas. Utmost care is taken in creating the formulas. Certain assumptions are made in making the
Calculator. The plan so generated only helps the investors in making investment decisions. It may not or may not be suited to your needs or according to your own
assumptions. NJ IndiaInvest Pvt Ltd nor any of it employees or Partners are not responsible for any losses arising by the usage of these plan, or for any investments taken
on its basis.
End Value (payment at beginning of the month)
18,128
Your End Investment Value, if you delay you delay your investments
13,311
If you delay your investment by 24 month/s, you stand to loose Rs. 4818/-
in todays worth of money !!
SIP + Delay cost calculator
At a particular given fixed point of time in future eg. Say at your age 55 years
Notes
Disclamer
The Calculator is developed by the Research Department of NJ IndiaInvest Pvt. Ltd.
All rights are reserved. No unathorised, copying, editing, distributions, rebranding, etc is permissible of this tool. Any copyrights infringement will give rise to
damages, claims, etc towards NJ IndiaInvest Pvt. Ltd., the sole owner/user of this tool. NJ Fundz Network is a part of NJ IndiaInvest Pvt. Ltd.
This dynamic calculator is produced through series a of mathematical formulas. Utmost care is taken in creating the formulas. Certain assumptions are made in making the
Calculator. The plan so generated only helps the investors in making investment decisions. It may not or may not be suited to your needs or according to your own
assumptions. NJ IndiaInvest Pvt Ltd nor any of it employees or Partners are not responsible for any losses arising by the usage of these plan, or for any investments taken
on its basis.
Future Value Rs. 10,000,000
After years 30.00
Dicounting Rate - Ann 6.00%
Present value Rs. 1,741,101
Annuity Amount 1,000
Frequency in a year 10
Annuity runs for years - 30.00
Annuity Starts after years - 0.00
Discounting Rate - Ann 6.00%
Total Amount Accrued 300,000
Present Value Rs. 141,325
After Year Amt.
1 80,000
2 100,000
3
4
5
6
7
8
HOME
Tools
Links
Present Value of a Single Amt
Present Value of an Annuity
Present Value of Irregular Cash Flows
Systematic Investment Plan - PV & FV
Future Value (Growing)
Future Value (Decreasing)
Weighted Average Exp Returns
Notes
Present Value Single Amt
Present Value of an Annuity
Present Value Irregular Cash Flows
9
10 250,000
11
12
13
14
15 500,000
Discounting Rate - Ann 6.00%
Total Amount received 930,000
Present Value Rs. 512,703
Monthly Investment Rs. 10,000
For years 20.00
Returns Expectation - Ann 20.00%
End Value in Future 24,761,940
Discounting Rate - Ann 6.00%
Present value 7,720,890
Present Value Rs. 768,320
After years 4.00
Compounding Rate - Ann 40.00%
Future value Rs. 2,951,578
Present Value Rs. 200,000
After years 30.00
Discounting Rate - Ann 6.00%
Future value Rs. 34,822
Asset Class Amt. Invested Exp Returns
A 100,000 10.00%
B 100,000 15.00%
C 100,000 20.00%
HOME
Systematic Investment Plan (SIP)
Future Value Calculator (growing)
Future Value Calculator (decreasing)
Weighted Average Returns
D 100,000 12.00%
E 100,000
F 100,000
600,000
9.50%
The Advisor can use the above tool to assess the following:
# Find out the Present Cost of an known 'X' amount in future
# Find out the Present Value of the 'Cash Flow Stream' which accrues in Future
Fixed amount of any frequency occuring for any duration
Duration of running cash flows may start at any time in future, or now!
Variable amounts expected over the next 15 years
Of an existing Systematic Investment Plan with an AMC
# Find out the future value of a present
Fixed asset or cash which decreases in value as time goes on
Fixed asset or cash which appreciates in value with time
Running Systemative Investment Plan with an AMC
# Find out the weighted average expected returns on your existing investments in different asset classes
You can use the above tools to input values in your financial plan.
Total Amt Invested
Weighted Average Exp Returns
HOME
Answers questions like Help
What is the today's equivalent
of Rs. 5 lacs that I will receive
after 5 years?
Discounting Rate
should ideally be
equal to the Inflation
Rate of 6.00%
Annuity is simply
a series of cash
flows of a fixed
amount Eg: Insurance
premium to LIC is a
kind of Annuity
What is the today's worth of a
series of monthly payments of
Rs.1,000 that I will receive for 3
years? The 3 years of payment will
though start after 2 years.
What is the today's worth of certain
cash receivables in future when
both the amount receivable and the
time is not certain?
What is the today's worth of certain
cash receivables in future when
both the amount receivable and the
time is not certain?
What will be the present and
the future worth of my existing
SIP of Rs. 10,000 to be
continued for next 5 yrs, returns
expected at 12%?
How much will Rs. 10,000
today will grow to after 5 years, if
grows by 6% annually?
How much returns should I
expect over all the different
investments that I hold, on
an averaged basis?
Compounding Rate
can be taken as the
Rate of Return that
you expect the asset
to earn during the
period
What will be the worth of Rs.
10,000/- after 3 years?
Measures the decrease
in value of an asset -
due to depreciation,
inflation, etc.
Find out the Present Value of the 'Cash Flow Stream' which accrues in Future
Fixed amount of any frequency occuring for any duration
Duration of running cash flows may start at any time in future, or now!
Fixed asset or cash which decreases in value as time goes on
Fixed asset or cash which appreciates in value with time
Find out the weighted average expected returns on your existing investments in different asset classes
You can use the above tools to input values in your financial plan.
How much returns should I
expect over all the different
investments that I hold, on
an averaged basis?
HOME
DELAY COST
Why this huge difference ??
The first installment is the one that stays in the term for the longest. Hence it is the
one that has the highest appreciation!!
A better way of looking at is - you are not delaying the SIP (since the SIP matures the same
day) but instead you are just eliminating the first installment that gives you the most returns!!!!
The difference is in the end value of client's investment
The assumptions
Payment is made at the beginning of the period
The rate of return is compounded monthly
The rate of returns stays constant for the term of the SIP
The delay for 10 days is calculated by dividing that for 1 month by 3
The delay for 10 days is not exact but convenient to calculate this way, and easy to explain
The difference though is not very huge and can be ignored for convenience