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IRR / PVIF

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diversified
181 Points Posted on 13 March 2009

AGENT IS GIVING ME BELOW OFFER

I HAVE TO INVEST RS 60,000 / YEAR FOR 5 YEAR THAT MEANS I HAVE TO INVEST RS 300,000 IN FIVE YEARS ONLY THEN I WILL NOT INVEST ANYTHING, BUT END OF TWELVE YEARS HE WILL GIVE ME RS. 1,200,000 - WHAT IS PVIF/ IRR - IS IT ADVICEALE

ONLINE : parajf @ yahoo.com

                 parajf @ gmail.com

 

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On 13 March 2009 at 22:46 Report
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1268 Points Posted on 13 March 2009
As per my calculations, it is 14.9 %........... Although ULIP's which theAgent is trying to sell you, are NEVER recommended........ A term plan is best...... They recommend Such plans coz about 25 % of your premium goes towards their commission........
16 Reply
On 13 March 2009 at 23:14
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diversified
181 Points Posted on 13 March 2009

how did you calculate, please forward me your calculation file, what % of discount you have taken, thanking you in advance

1 Reply
On 13 March 2009 at 23:27
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1268 Points Posted on 16 March 2009
Well, I did it on a calc....here s it.... The PV factor will remain them same if you invest 3,00,000 at one go for 10 years..... Hope u got what m trying to say....... So, 3,00,000 at x % interest rate yields 12,00,000 at end of 10 years.... A simple sum that can be solved by formula......... :)
16 Reply
On 16 March 2009 at 20:12
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Chartered Accountant
14245 Points Posted on 17 March 2009
95 Reply
On 17 March 2009 at 04:37
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1268 Points Posted on 17 March 2009
Hi please share the excel file manmohan.... I worked out and it comes to 14.9 %.... There is some confusion i think....
16 Reply
On 17 March 2009 at 11:29
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Chartered Accountant
14245 Points Posted on 17 March 2009

 

 

HI !

 

IT WILL COME 16.3573 IF INVESTMENT IS MADE AT THE END OF EACH YEAR (WHAT WE DO IN FINANCIAL MANAGEMENT.)

 

IT WILL COME 14.6560% ,IF INVESTMENT IS MADE AT THE BEGAINING  OFEACH YEAR(WHICH IS APPLICABLE IN PRESENT CASE)

 

HENCE ANSWER IS 14.6560 %

 

I HAVE ATTACHED EXCAL FILE.

 

 

REGARDS…………..!

95 Reply
On 17 March 2009 at 14:48
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diversified
181 Points Posted on 17 March 2009

Dear Manmohan

Thanks for the file, very very useful, please attached excel file with calculation of NPV at 10 percent discount, please.... thankyou in advance

 

 

1 Reply
On 17 March 2009 at 22:20
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Chartered Accountant
14245 Points Posted on 19 March 2009

juzar sending you the NPV file as required by u

 

thank you

95 Reply
On 19 March 2009 at 04:26


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