வரி சேமிப்பு 2019-2020

வரி செலுத்துபவர்கள் வரியை குறைக்க மிகவும் முயற்சி செய்வார்கள். அவகர்களது  நிலைமை எந்த மருந்தைத் தின்றால் பித்தம் தெளியும் என்பது போல் இருக்கும்.  அவர்களுக்கு நான் மிகுந்த பக்கவிளைவுகள் இல்லாத பித்தம் தெளியும்  மருந்து பற்றி கூறுகின்றேன். அந்த எளிய மருந்து இ.எல்.எஸ்.எஸ் (ELSS) எனப்படும் ஈக்விட்டு லிங்கெட் சேவிங்கிஸ்  ஸ்கீம் (Equity Linked Savings Scheme). இந்த மருந்தை எந்த வரி செலுத்தும் வயதினரும் பயன்படுத்தலாம். 

முதலாவதாக, வருமானவரி சட்டத்தில் 1.5 லட்சம் வரை முதலீடு செய்து வரிச் சலுகை பெறலாம். பெரும்பாலோனர் நாடுவது  தபால் அலுவலக சேமிப்பு திட்டம், காப்பீடு அல்லது வரி சலுகை உள்ள வங்கி வைப்பு. இவை அணைத்திலும்  முதலீடு செய்ய குறைந்த காலம் 5 வருடங்கள். மேற்கூறிய திட்டத்தில் முதலீடு செய்ய குறைந்தபட்ச காலம் 3 ஆண்டுகள் மட்டுமே.

இரண்டாவதாக, வருமான லாப விகிதங்கள் அட்டவணையை பார்க்கவும். வரிச்சலுகையை உள்ள முதலீடுகளில்  அதிக லாபம் தரக்கூடிய வகையில் உள்ளது நான் கூறிய இ.எல்.எஸ்.எஸ் (ELSS) என்பது தெளிவாக தெரிகின்றது. இந்த வருமானம் சந்தையின் லாபத்திற்கு ஏற்றவாறு அமையும் என்பது முக்கிய அம்சம். மூன்று வருடங்கள் அவசியம் முதலீடு செய்திருக்க வேண்டிய காரணத்தால் நாம் மூன்று வருட லாப வகிதங்களை அட்டவணையில் தந்துள்ளோம். அது மற்ற வருமானத்தை விட அதிகமாக இருப்பது கண்கூடு.

Tax Benefits under sec 80c
Saving Mode	Lock in yrs	Returns %	Remarks
ELSS	3	10.14#	Market linked returns
PPF	15	7.9
Tax saving FD	5	6.25 - 7.5
NSC	5	7.9
ULIP	5		Market linked returns

# Average return of 20 ELSS schemes

மூன்றாவதாக, இ.எல்.எஸ்.எஸ் திட்டங்களில் முதலீடு செய்து பராமரிப்பது மற்றும்  உபயோகிப்பது மிக மிக எளிது. தற்போது கணணி மயமான உலகத்தில் இந்தத் திட்டங்களை வாங்குவதும் விற்பதும் கணினி மூலமே. இது சிறந்த எளிமையான அம்சமாகும்.

5 ELSS funds for your investments	3 year returns %
Mirae Asset Tax Saver Fund - Reg - Growth	17.88
Axis Long Term Equity Fund	15.29
Tata India Tax Savings Fund - Reg - Dividend	13.92
DSP Tax Saver Fund	11.05
IDFC Tax Advantage (ELSS) Fund	10.53

இக்கட்டுரை பற்றிய உங்கள் கருத்துக்களை இங்கே கிளிக் செய்து பதிவு செய்யலாம்.

உங்களுக்கு இக்கட்டுரை பயனுள்ளதாக இருந்தால், இதை உங்கள் பேஸ்புக் அல்லது டுவிட்டரில் பகிர்துந்து கொண்டு, மற்றவர்களையும் பயனடையச் செய்யுங்கள் . நன்றி .

Tit Bit 45 (E) – Learn Spread sheet (Excel/Google sheet) Series

Amount required for future corpus

Use Excel / Google sheets for simple financial planning calculations

Problem:

Karthik is planning to visit Europe in 5 years on an estimated expense of 15 lakhs. How much should he invest in lumpsum now?

Solution:

We can calculate this easily using Excel / Google sheets PV function. Click here to see the solution and use the template

Click here to give your feedback about this series.

Previous tidbits :

https://radhaconsultancy.blogspot.com/2017/11/tit-bits.html

Read My recent article to understand how to calculate your investment returns and learn more about the difference between returns from Fixed Deposits vs Mutual Funds.

http://bit.ly/ReturnTamil 

http://bit.ly/ReturnEnglish

Tit Bit 44 (E) – Learn Spread sheet (Excel/Google sheet) Series

Amount required for future plans /Goals

Use Excel / Google sheets for simple financial planning calculations

Problem:

Radha thinks he can buy a house in 10 years. Current price is  40  lakhs. Expected Inflation is 7%. Then how much money should he have after  ten years to buy that house?

Solution:

FV - Calculating the required amount:

We can calculate this easily using Excel / Google sheets FV function.

Click here to see the solution and use the template

Clikc here to give your feedback about this series

Previous tidbits :

https://radhaconsultancy.blogspot.com/2017/11/tit-bits.html

To learn more about using excel function click here to find more articles and templates in excel

https://radhaconsultancy.blogspot.com/2016/05/a-gateway-to-mutual-funds.html

Excel in Personal Finance - Part 5 - Function 'PMT'

Let us learn 5 Excel functions that are useful for personal finance

Click below to read the following:
Introduction to Excel in Personal Finance

Excel Part 1 - Function PV

Excel Part 2 - Function FV
Excel Part 3 - Function EFFECT
Excel Part 4 - Function XIRR

Function 5 - PMT

Saving money in monthly installments (SIP)

After five years, Karthik plans to spend about 15 lakhs of rupees for holiday trip with family to Europe. How much money should he invest in monthly installments now? 

Let us compute returns using function PMT.

Used factors / variable:

Information to input: 

Let us find how much Karthik has to save every month
Variable	Formuala	Inputs	Units	Remarks
Known Variable
Rate	Rate /12	0.8%	%	Converting Annual rate avilable in to monthly for this calculation
Nper	5*12	60	Months	Interval period - here it is months
PV		0		Intial payment - Here it is zero - no down payment or intial savings
FV		1500000	Rs	Fianl amount required for our trip here
Type/		0		Interest at the end, taken as zero
Assumed variable
Expected return in %		10%	%	Assumed as 10% returb
Calculated value
Pmt		?	Rs	SIP amount we need to save every month for this trip

You can see the picture below to understand and to enter the data in Excel. In your computer, the cell number / reference may be different, but the input information must be exactly as shown in the picture with respect to variable as given in the problem.

For the visit to Europe after five years with his family, Karthik must invest Rs 20,000 in monthly installments so that he can have around 15 lakhs after 5 years on the assumption that he will get 10% return on his investments.

Click the link to access the working model of the Payment template  in google sheets - You are free to change the variable and get the desired results. You can download and share with your contacts who are interested in this functions / learning excel 

Click here to read the PREVIOUS article about using XIRR function: The SBI Magnum multi-cab scheme is taken as an example and the period of investment is 4 years. Two types of calculation are used here. (A) When the investment is irregular. Usually most of our investor investments are in this type. (B) When the investment is regular.

Excel in Personal Finance - Part 4 - Function 'XIRR'

Let us learn 5 Excel functions that are useful for personal finance

Click below to read the following:
Introduction to Excel in Personal Finance

Excel Part 1 - Function PV

Excel Part 2 - Function FV
Excel Part 3 - Function EFFECT

Function 4 - XIRR

Annual return on investments – Compounded annual growth rate CAGR using XIRR function in Excel

The SBI Magnum multi-cab scheme is taken as an example and the period of investment is four years. 

Two types of calculation are used here.

(A) When the investment is irregular. Usually most of our investor investments are in this type.

(B) When the investment is regular.

Let us compute returns using function XIRR

Used factors / variable:

Information to input: 

Using XIRR in Mutual Fund investment return calculation
Variable	Remarks
Known Variable
Value	Oue investment cash flow into mutual funds
Date	Date of investments
Guss	Assumed nearest value of return
Calculated variable
XIRR	Annualized return

(A) When the investment is irregular. Usually most of our investor investments are in this type.

(B) When the investment is regular.

In both cases, table is created in excel using the actual date and amount invested. In the case of SIP it is regular. Once done, using the XIRR function, we can feed the inputs as given in the following image and arrive at the return. XIRR will always give annualised return. Cash flow out will be marked as negative and final cash flow in or market value is shown as a positive figure.

Click the link to access the working model of the Payment template  in google sheets - You are free to change the variable and get the desired results. You can download and share with your contacts who are interested in this functions / learning excel 

Click here to read the NEXT article about using PMT function: After 5 years, Karthik plans to spend Rs 15 Lakhs for a holiday trip to Europe with this family. How much money should he invest now in monthly installments? Saving money in SIP.

Click here to read the PREVIOUS article about using EFFECT function: In the case of bank deposits, Bank gives an annual interest of 7%. Here is the variation. One bank gives interest once a year. Another bank gives interest every six months but at the same 7% annual interest rate. If another bank gives interest once every three months, then we have to choose the bank which gives interest for a short period of time. This will give higher yield, which is slightly better than 7% per annum. Let us find how yield differs from bank to bank in the above example using excel effect function.

Excel in Personal Finance - Part 3 - Function 'Effect'

Let us learn 5 Excel functions that are useful for personal finance

Click here to read: Introduction to Excel in Personal Finance

Click here to read: Excel Part 1 - Function PV

Click here to read: Excel Part 2 - Function FV

Function 3 - Effect

Effective Interest Rate (Effective rate)

Example: In the case of bank deposits, Bank gives an annual interest of 7%. Here is the variation. One bank gives interest once a year. Another bank gives interest every six months but at the same 7% annual interest rate. If another bank gives interest once every three months, then we have to choose the bank which gives interest for a short period of time. This will give higher yield, which is slightly better than 7% per annum. Let us find how yield differs from bank to bank in the above example using excel effect function.

The function Effect is used to compute the yield.

Used factors / variable:

Information to input: (You can understand how to enter the Excel by seeing the picture below)

The yield for 7 per cent interest per annum is 7.19% when we receive interest once in three months.

Refer the table below to understand effect of getting monthly interest. It pushes the yield up by 7.23% per annum, even when the interest rate is only 7% per annum. 

Interest Frequency	Yield
Once in quarter	7.19
Once in half year	7.12
Once in month	7.23

In another example in Nov 19, popular NBFC is giving 7.72% interest – Interest distribution is every month, using the effect of 12 npery and rate of 7.72%, using effect function in excel we get 8% per annum interest.

Refer the image below for the same

Click the link to access the working model of the Payment template  in google sheets - You are free to change the variable and get the desired results. You can download and share with your contacts who are interested in this functions / learning excel 

Click here to read the NEXT article about using XIRR function: Mutual fund returns can be calculated using XIRR. The SBI Magnum multi-cab scheme is taken as an example and the period of investment is four years

Click here to read the PREVIOUS article about using FV function: Radha thinks he can buy a house in 10 years. Current price is  40  lakhs. Expected Inflation is 7%. Then how much money should he save now to buy a house in ten years?