Mutual Fund Returns Calculator: Calculate Your Returns in Seconds
Mutual Fund Returns Calculator
As an investor, your aim should be to outperform inflation in the long term. With savings instruments such as fixed deposits yielding seemingly low returns, a growing number of individuals have started investing in mutual funds. Even though mutual funds are exposed to market risks, you can use a mutual fund calculator to get an idea of your potential returns.
This online tool takes into account your investment amount, expected rate of return, and time period to calculate projected returns. Therefore, if you are considering investing in mutual funds, it is advisable to use a calculator to effectively plan your investments.
Which Types of Mutual Fund Investments Can Be Evaluated with a Mutual Funds Calculator?
First and foremost, it is crucial to understand the types of investments that can be assessed using a mutual fund calculator.
Systematic Investment Plans (SIP): Within this investment approach, you invest a fixed amount in mutual funds at specific time intervals rather than all at once. The investment frequency can be weekly, monthly, quarterly, semi-annually, or annually.
Since you are investing systematically, the volatility associated with SIPs is lower. Therefore, if you are not willing to take risks, this option is highly suitable. Additionally, through the effect of compounding, your periodic investments in SIPs can yield substantial returns in the long run.
One-time Investments: Lump-sum investments involve investing a certain amount of money all at once in a particular mutual fund scheme. If you are comfortable with taking risks, one-time investments can offer superior long-term returns and prove more effective in achieving financial goals.
Mutual funds can be divided into three primary categories:
Equity: Investors can allocate funds to stocks or shares of companies through equity mutual funds, which can be either active or passive. Equity funds generally offer higher returns than debt funds.
Debt: Debt mutual funds invest in corporate or government bonds. These funds entail comparatively lower risk than equity funds and offer relatively stable returns.
Hybrid: Hybrid funds invest in equities and debt instruments in a specified proportion. They generate better returns than debt funds while carrying lower risk than equity funds.
How Does the Mutual Fund Returns Calculator Operate?
The mutual fund maturity calculator utilizes three key factors to calculate returns on these investments:
The amount you have invested or intend to invest.
The type of investment - SIP or lump sum.
The duration of the investment.
The expected rate of return.
By inputting these details into the calculator, you can obtain an estimated result within seconds.
The Mutual Fund Returns Calculator employs the following formulas:
For SIP, the formula used by an SIP Calculator is: R = A [ (1+i)^n-1 ] * (1+i)/i
For one-time investments, the formula used by a Mutual Fund Calculator is: R = A (1 + r/100)^n
Where:
R = the amount you receive upon maturity
A = the amount you invested or will invest
i = the compounded rate of return
n = the duration of your investment
r = the expected rate of return
For example, if you invest ₹3,000 every month for 2 years with a compounded rate of return of 12% p.a., the estimated return will be ₹81,729 = 3000 * [(1+0.01) ^24 – 1] * (1+0.01)/0.01).
Advantages of Using an Online Mutual Fund Returns Calculator
Here are some benefits of utilizing a mutual fund returns calculator:
It provides estimated returns for monthly and lump sum investments over different time periods.
It enables you to analyze and plan your financial goals and expectations effectively.
You can compare various types of mutual fund investments and select the one that aligns perfectly with your financial plan.
Even if your financial knowledge is limited, the mutual fund investment calculator is user-friendly and convenient, requiring no expert assistance.
This tool is both free and user-friendly.
Some calculators can also help you calculate the tax liability associated with your investment. They are called Mutual Fund Tax Calculators.
Advantages of Investing in Mutual Funds
Diversification: Your investments are spread across multiple assets, reducing the risk of low returns.
Higher Returns: Mutual funds yield better returns than conventional savings instruments.
Flexible Withdrawal: You can redeem the benefits from your invested units at any time.
Expert Management: The funds you invest are managed and allocated by a skilled fund manager who carefully monitors the market and allocates assets to meet the fund's objective.
Wealth Creation: Mutual funds help increase your wealth and may even outperform inflation.
In Conclusion
Investments in mutual funds have experienced exponential growth in recent years. However, to effectively plan your investments, it is advisable to utilize a mutual fund calculator. This way, you can gain a clear understanding of the necessary investment amount to achieve your financial goals.
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.
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