Portfolio Allocation and Calculation of Returns Query please!

[life2007]

Hi

I am seriously working out my total investments I have made so far since 2008 which includes non-equity debt like PPF , FDs too.

What I am making is a simple excel chart with equally simple formula to find what X amount I invested in Y year and What returns Z I am getting so far.

The idea is to allocate the ratio between equity and debt and also studying the exact returns I am getting in each MFs. If there is a underperformer, I need to get rid of it for sure. While I am studying all other online funds sites and understand a bit about CAGR or absolute returns, I want to focus only on the time period and amount I invested to get a correct picture.

As a layman I understand very simple maths for eg if I invested 10K in Nov 2008 for a particular fund and now the fund has the market value of 12K then my net gain is 2K in 2 years. ie 120% therefore 60% returns per year. Is this all calculation about or there is more than meets the eye. I know many of you reading this might feel me so dumb, but I was barely getting pass marks in maths through out my schooling:lol: , so genetic problem I guess.. the maths part of my brain does not work.. but guys, I am very good in analysis. Help me out please!!

Also is there a simple program in any site which gives me a simple result pls. I know there are good ones at valueresearch online, moneycontrol etc.. but I am not looking to work out individual details like NAV, absolute returns etc.. they are too tedious I guess, may be I am wrong..

Thanks in advance

Regards

Jeet

 

[surfingminds]

Nice to know you jeet.
U seem to good analyst but mathematics,ratios and equations are the tools for effective analysis , Analyst without mathematics can be useful for lawyer so chose career in their u will do great
Btw if you invested 10 k in 2 years if it becomes 12k then
absolute gain from the priciple is 2k out of 10 k ie. 20% and per anum should be 10% which is good cummulative effects is nothing but the increasing interest earn becomes principal and u earn interest on interest.

I think any web site tries to be simple as they can.. invest in some good mutual funds through SIP or STP to increase your expossure to equity and hence more growth in long run.

 

[life2007]

Hi Surfingminds!!

Yes, I was talking about analysis on a different plane. Anyways that is not the topic so we will leave that.

Thank you for your suggestions

Regards

Jeet

Nice to know you jeet.
U seem to good analyst but mathematics,ratios and equations are the tools for effective analysis , Analyst without mathematics can be useful for lawyer so chose career in their u will do great
Btw if you invested 10 k in 2 years if it becomes 12k then
absolute gain from the priciple is 2k out of 10 k ie. 20% and per anum should be 10% which is good cummulative effects is nothing but the increasing interest earn becomes principal and u earn interest on interest.

I think any web site tries to be simple as they can.. invest in some good mutual funds through SIP or STP to increase your expossure to equity and hence more growth in long run.

 

[yodlee99]

Create portfolio on valueresearchonline.com or in morningstar.co.in.
Instead you can also use IRR in MS Excel, if you prefer that.

 

[amashr]

Hi Jeet,

Have you got the calculation. Cause I am also looking on similar lines.

Regards