Kalkuletan SIP

Kalkuletan SIP yana kiyasta darajar nan gaba ta saka hannun jari na wata-wata na tsari ta amfani da riba ta hada. Shigar da adadin wata-wata ɗinku, dawowar shekara da ake tsammani, da horizon na lokaci — kalkuletan yana nuna jimlar da aka saka, dawowar da ake tsammani, da darajar jajibarin ƙarshe. Yana kuma goyan bayan gudummawar haɓakawa, ƙarin jimlar ƙarfi, daidaita hauhawar farashin kaya, da ƙididdiga bisa manufa.

SIP na mataki yana ƙara gudummawar wata-wata ɗinku da kashi dari ƙarfi kowane shekara, yana kwaikwayon girman albashi. Misali, farawa da €500/wata tare da haɓakawa ta 10% a shekara yana nufin kuna saka €550 a shekara ta 2, €605 a shekara ta 3, da sauransu. Akan shekaru 15 wannan na iya kusan ninki biyu jajibarin ƙarshe ɗinku idan aka kwatanta da SIP mai ƙarfi na €500/wata a adadin dawowar iri ɗaya.

SIP yana saka adadin ƙarfi kowane wata, yana saye naɗaɗɗen ƙarin raka'a lokacin da farashin ya faɗi da ƙarancin lokacin da suka tashi — dabara da ake kira matsakaicin kuɗin dalar/euro wanda ke rage tasirin yawan canjin kasuwa. Jimlar ƙarfi tana saka duk jari sau ɗaya, wanda ya fi fa'ida a kasuwanni masu tashi kullum amma ya fi haɗari idan farashin ya faɗi jim kaɗan bayan saka hannun jari. Yi amfani da Yanayin Kwatancen a wannan kalkuleta don ƙira biyu gefe da gefe.

Hauhawar farashin kaya tana ragewa da ikon siye akan lokaci. Jajibari mai darajar €1,000,000 a cikin shekaru 25 na iya kasancewa mai darajar €480,000 kawai a cikin kuɗin yau a 3% hauhawar farashin kaya. Kunna switch na daidaita hauhawar farashin kaya don ganin darajar ainihi (an daidaita bisa hauhawar farashin kaya) na dukiyarku ta nan gaba. Don tsarawa daidai, kullum ku kwatanta dawowar da kuke tsammani da adadin hauhawar farashin kaya — idan SIP ɗinku yana samun 10% kuma hauhawar farashin kaya shine 4%, dawowar ainihi ɗinku kusan 6% ne.

XIRR (Ƙididdigen Adadin Dawowar Na Ciki mai Tsami) ma'aunin daidai ne na aikin SIP saboda yana yin la'akari da lokacin kowane gudummawar wata-wata — biyan farko ɗinku yana samun dawowar don duk lokacin, na ƙarshe ɗinku ya fara kaɗan. CAGR yana ɗauka saka hannun jari guda ɗaya kuma yana ƙididdige dawowar SIP fiye da gaskiya. Asusun da ke nuna 14% girma na lissafi na iya samun XIRR na 11–12%. Kullum kwatanta asusun juna ta amfani da XIRR, ba adadin dawowar na kai ba.

Kowane asusun hannayen jari yana rage nisan haɗin kuɗi na shekara daga NAV ɗa kafin ƙididdige dawowarku. ETF na index yawanci yana caje 0.1–0.2%, yayin da asusun masu aiki ke caje 1.5–2.5%. Bambancin nisan haɗin kuɗi na 1.5% akan SIP na €500/wata akan shekaru 30 na iya rage jajibarin ƙarshe ɗinku da €60,000–€80,000. Kullum shigar da dawowar da aka rage daga kuɗi a wannan kalkuleta — idan asusun ku yana nuna 12% jimla amma yana caje 1.5%, shigar da 10.5%.

Shigar da adadin manufar ku (misali, €500,000 don ritaya), adadin dawowar shekara da ake tsammani, da horizon na saka hannun jari a shekaru. Kalkuletan yana amfani da dabarar PMT — PMT = FV × r / ((1+r)^n − 1) — don nemo daidai SIP na wata-wata da ake bukata. Misali, kai €1,000,000 a cikin shekaru 25 a 10% yana buƙatar saka €1,168/wata. Kunna daidaita hauhawar farashin kaya don yin la'akari da karuwar kuɗin rayuwa.

Dawowar da ake tsammani ya danganta da rarraba kadarori ɗinku. Asusun index na hannayen jari na duniya sun dawo 8–12% a shekara-shekara akan lokuta masu tsawo (shekaru 10+). Jajibari mai daidaito (60% hannayen jari, 40% shaidar bashi) yawanci yana dawo 6–8%. Jajibari mai ɗaci mai nauyin shaidar bashi yana dawo 3–5%. Kullum rage nisan haɗin kuɗi na asusun ku daga jimlar dawowar. Yi amfani da 10% a matsayin tushe don tsinkayar SIP na dogon lokaci na hannayen jari, amma gane cewa dawowar da ta gabata ba ta garantin sakamako na gaba ba.

Yawancin asusun hannayen jari suna ba da izinin dakatar, rage, ko tsayar da biyan SIP ba tare da tara ba, ko da yake ƙa'idodi suna bambanta ta mai ba da sabis. Rashin biyan ba ya rufe asusun — jajibarin ku na yanzu yana ci gaba da girma. Koyaya, har ma da watanni kaɗan da aka rasa yana rage hada na dogon lokaci sosai. Idan gudanar da kuɗi ya yi ƙarfi, yi la'akari da rage adadin SIP na ɗan lokaci maimakon tsayar da shi gaba ɗaya. Wannan kalkuleta yana ɗauka gudummawar wata-wata na daidai.