ETF Calculator?

Mike Hoxbig

Mike Hoxbig

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Hey guys, anyone aware of an ETF calculator, specifically for local ETFs?

I'm looking for something that takes in an input for expected growth (let's say 15% pa), your monthly contribution (let's say R1,000), and your investment period (let's say 10 years). It will then give you a result at the end of your investment period.

Or even something that uses historical performance of various ETFs, to base your 10 year calculation on the performance of the last 10 years.

Does anyone know if something like this exists?
 
Yip, Excel or a financial calculator should be able to do that easily.
 
Neo_X said:
This calculator worked nicely for me before :
http://www.investorchallenge.co.za/calc_compound.php

Satrix website also has calculators for the different SATRIX ETF's.


finally, my signature has a calculator that shows the resulting investments and possible draw down keeping the gain the same.
Click to expand...
Awesome thanks. The Satrix calculator is fairly basic though, it doesn't take into consideration monthly contributions.

To give you an idea, I'm looking for something like this (scroll all the way down): http://196.30.144.98/FundClients/ETFSA/data/Funds/2118/factsheet.htm

However this only provides returns based on a R100 monthly contribution. There's no way to tell on the fly what it would have been if this contribution changed...
 
Mike - You might like to have a look at www.ifiii.co.za, which accepts the amount you would like to invest monthly along with several other details and then gives you an idea of, historically, how the fund performed. The values are based on fact sheets from the various fund houses so it's decently accurate. Take a peak! :)
 
Mike Hoxbig said:
However this only provides returns based on a R100 monthly contribution. There's no way to tell on the fly what it would have been if this contribution changed...
Click to expand...
So shift the decimal point to suit your needs. Itll scale linearly.

Or use excel future value formula as suggested.

Make sure you factor in inflation
 
So you want a compound interest calculator?

Just google "monthly compound interest calculator" there are hundreds of websites and apps for it.
 
PhaZZed said:
Mike - You might like to have a look at www.ifiii.co.za, which accepts the amount you would like to invest monthly along with several other details and then gives you an idea of, historically, how the fund performed. The values are based on fact sheets from the various fund houses so it's decently accurate. Take a peak! :)
Click to expand...
Sweet, just what I was looking for. Now if they could just add more funds... :p
SauRoNZA said:
So you want a compound interest calculator?

Just google "monthly compound interest calculator" there are hundreds of websites and apps for it.
Click to expand...
No that it easy to just calculate myself. Was looking for something that takes various investment parameters as inputs, and applies them to the historical performance of various funds...
 
Yeah I realise the historical data part is more complex...but then we all know historical data is no indication of future performance etc.

I would rather take the lowest performing average over a few years and do future projection on that.
 
Mike Hoxbig said:
Hey guys, anyone aware of an ETF calculator, specifically for local ETFs?

I'm looking for something that takes in an input for expected growth (let's say 15% pa), your monthly contribution (let's say R1,000), and your investment period (let's say 10 years). It will then give you a result at the end of your investment period.

Or even something that uses historical performance of various ETFs, to base your 10 year calculation on the performance of the last 10 years.

Does anyone know if something like this exists?
Click to expand...


Not for local ETFs but in general this is kinda useful I found..
ImageUploadedByMyBroadband1450863712.109088.jpg

MSN Money has this and a few tools but it is limited in the sense that it can't stop the contribution.

ImageUploadedByMyBroadband1450863838.229150.jpg
ImageUploadedByMyBroadband1450863851.264400.jpg
ImageUploadedByMyBroadband1450863860.598978.jpg

Yip if I change to annual compounding as it should be then it comes to 26M btw.
 
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krycor said:
View attachment 326473
Click to expand...

That second picture showing the compound interest vs your actual deposit is such a powerful picture.

It's such a pity that so many people don't understand compound interest, and end up wasting their money by just blindly following the advice from friends and family that don't know any better either.
 
whatwhat said:
That second picture showing the compound interest vs your actual deposit is such a powerful picture.

It's such a pity that so many people don't understand compound interest, and end up wasting their money by just blindly following the advice from friends and family that don't know any better either.
Click to expand...

The problem with this graph is that it does not account for inflation. If e.g. you take 6% out of the growth then the results look less impressive but still good but even then this does not account for currency devaluation and even then e.g. in an ETF there is no guarantee of 18%(12% real) growth so yah.. tough one to predict.

One thing thats pretty clear though is that every 18/19yr old needs to start with pension and tfsa up front.. that way you get that 12 yr point when you 30 (for tfsa 16? yr contrib to saving max.. so that gives extra funds when you would start to need it assuming late marriage etc) which means huge payout the end. I worked out that there is very little one can do to make up for the lost years :( without saving a lot if you start at 33+
 
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krycor said:
The problem with this graph is that it does not account for inflation. If e.g. you take 6% out of the growth then the results look less impressive but still good but even then this does not account for currency devaluation and even then e.g. in an ETF there is no guarantee of 18%(12% real) growth so yah.. tough one to predict.

*snip*
Click to expand...



Did you take a look at the calculator i built (linked in signature)

caters for compound growth and gives results before and after inflation (inflation can be adjusted as well as pay increases)
 
Neo_X said:
Did you take a look at the calculator i built (linked in signature)

caters for compound growth and gives results before and after inflation (inflation can be adjusted as well as pay increases)
Click to expand...

I used this before and its cool.. but not for ad-hoc. more for strategy and seeing whats needed vs where I want to be. It's inflexible for working beyond 55 which i think most recession hit grads will need to.
 
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