EMI calculator - Mutual Fund Return Calculator

How will StockPe’s Mutual Fund Return Calculator Help You?

Mutual fund investors will be familiar with different types of returns. This includes, absolute return, annualized return, total return, trailing return, point to point return, and rolling return. (If you want to know more about these returns, scroll down to the Do you know feature below.

With so many factors in mind, it is easy for the mutual fund investor to get confused.

This is where a mutual fund calculator comes into play.

You can use a mutual fund calculator to arrive at

• The estimate for the full 1 year, 3 year and 5 year investment periods when you invest in mutual funds.
• Enables you to do future financial planning based on the estimated returns.
• Easy UI that anyone can use.

You don’t need to know much about mutual funds to use this calculator.

Benefits of Mutual Fund Return Calculators:

Mutual Fund Return Calculators are practical tools for financial planning available online that help you estimate the exact returns on your mutual fund investments. These calculators, take your input amount that you have invested in the mutual fund and calculate based on the expected rate of return and the expense ratio.

Mutual Fund Calculators can be used to estimate the expected returns for both lump sum and SIP (Systematic Investment Plan) investments on short and long-term investment horizons.

You can calculate the returns on your investment and compare how different mutual funds fare against each other with a Mutual Fund Calculator.

You can calculate the returns on your investment and compare how different mutual funds fare against each other with a Mutual Fund Calculator.

For example, you may want to know how the returns of a direct mutual fund varies with a regular mutual fund. This is where a mutual fund calculator comes in.

How does StockPe’s Mutual Fund Calculator Work?

There are two ways in which one can invest in mutual funds – one time & monthly.

Monthly:

SIP or Systematic Investment Plan is a method by which you can invest a small amount every month in a Mutual Fund. This is the best option if you are a salaried professional who wants to invest a dedicated amount every month. The NAV - Net Asset Value of these funds change every month and the same amount of money can purchase a variable number of units in different months.

This means,

The Math:

Imagine that you invest via SIP of Rs. 1000 for 12 months. At the time of availing the SIP, the Net Asset Value of your fund is Rs. 10. So, you can purchase 100 units of the mutual fund in the first month. In the second month, the NAV increases to Rs. 20. Your 1000 rupees can now buy just 50 units of the same fund.

StockPe’s online SIP calculator predicts the returns on your SIP based on a few specific parameters. You just need to input the SIP amount that you plan to invest, the duration that you plan to stay invested in and the expected rate of return, and the calculator will reflect the results in seconds.

Inputs for StockPe’s Mutual Fund Calculator (SIP):

• SIP Amount
• Duration
• Rate of Return

One-Time:

Let’s say you have a Lump sum after selling your property or receiving an inheritance. A Lump Sum is usually the amount that is at least 6 times more than what you can afford to invest in a SIP every month.

The Math:

If your

SIP Amount - Rs. 10,000,

Then,

An Ideal Lump Sum would be Rs. 60,000

In a lump sum investment, an investor deposits a substantial amount at one go in a particular Mutual Fund. One of the key benefits of choosing a one-time investment is that the change in the Net Asset Value does not affect the number of units you can purchase in the Mutual Fund.

You can invest in a lump sum in a staggered manner as well. Say, some parts of the Lump sum in the first month, another part in the third month and the remaining at the end of 6 months.

Inputs for StockPe’s Mutual Fund Calculator (Lump Sum):

• Investment Amount
• Duration
• Rate of Investment (Estimated ROI).

Estimated Returns on Key Schemes

There are mainly three types of mutual funds that you can invest in – equity, debt, and hybrid. Here are some of the most high-yielding funds in India in each category and their estimated returns.

Name of the Fund	Type	Risk	1-Year Return	3-Year Returns
HDFC Mid-cap Opportunities Fund	Equity	High	12.60%	16.99%
Aditya Birla Sun Life Active Debt Multi-manager FoF Scheme	Debt	Low	12.60%	6.92%
Mirae Asset Hybrid Equity Direct- G	Hybrid	Moderate	12.07%	14.04%

All you have to do is plug in the variables in this table along with the duration of your investment into the calculator.

Disclaimer:

The Table mentioned above is descriptive and not advisory or accurate.

Do you Know?

Debt Funds - Debt Funds are Mutual Funds that invest in Fixed-Income Securities like Bonds, and Government Securities. Suitable for Low-Risk Investors

Equity Funds - Equity Funds are Mutual Funds that invest in Equities that are traded in the stock market. Suitable for Moderate-Risk Investors.

Hybrid Funds - Hybrid Funds are Mutual Funds that invest in both Debt and Equities. Suitable for Moderate - Risk investors.

Point to Note: Risk in Debt, Equity and Hybrid Funds are based on a variety of factors. Say, a Debt fund can be high risk and an Equity fund can be low risk. Type of Fund has no direct correlation to Risk.

Absolute Return - The Actual +ve or -ve returns that are yielded by an investment. This Return is calculated independent of any benchmark or index.

Annualized Returns - Average % Gain or Loss adjusted for an annual period.

Annualized Returns = The Geometric Mean of a series of returns. Reflects the compounding effect on gains or losses over a period of time. Best Measure for predicting the performance of an investment.

Rolling Returns - Returns generated on a rolling basis daily, monthly or quarterly. Better measure of performance since a longer duration and fluctuations in the duration are taken into account.

Total Returns -

Overall Performance of an Investment - Capital Gains + Income Generated

Gains, Losses, Dividends and Interest over a certain period is calculated.

Helps to calculate capital appreciation, income on returns and overall success of the investment portfolio.

Trailing Returns - Calculates the historical performance of an investment over a specific period, usually calculated on a monthly or annual basis.

Better Measure of Past Performance.

Point - to - Point Returns - Returns calculated between two points in a time period, Say January 1 and December 31 calculates the returns for a year.