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Mutual Fund Calculators are divided into three sections:
Now let's look at each section in detail.
To understand this section, we must first understand what rolling return is.
Rolling Return refers to the average performance of an investment over a specific period that continuously moves or "rolls" forward. Instead of looking at the return over a fixed time frame, like a year, rolling returns consider overlapping periods of, let's say, one year, and then shift that period forward by a certain duration (e.g., every day, month, or quarter). This helps investors get a more dynamic and continuous view of how an investment performs over various market conditions.
On sharpely, this section allows you to calculate the rolling returns of the scheme during any period and for any time frame. This section also provides the distribution of rolling returns in the selected time frame. Sounds too complicated? Let’s take an example. The below image shows the 1-year rolling return calculations of the Parag Parikh Flexi Cap fund.
From the image, you can find interesting and insightful data. You can find the average return, median return, and standard deviation (a measure of volatility) of the return.
All these data give you actionable insights about the fund’s performance and consistency.
This section allows you to calculate the accurate past performance of the scheme during any period. All you need to do is select the date range, SIP amount, and annual step-up percentage. Based on the fund’s performance, you will get accurate data points like total installments, XIRR (%), investment amount, and final corpus.
The below image shows the same data for the Parag Parikh Flexi Cap Fund.
In a Systematic Withdrawal Plan (SWP), you invest a large amount in the beginning and then take regular cash outflows periodically.
In simple words, a systemic withdrawal plan is a method where you regularly take out a set amount of money from your investments or savings. It's like having a plan to regularly receive a fixed sum of money, either monthly or at some other interval. This way, you can manage your finances and have a steady income stream. It's a bit like getting a regular allowance from your savings rather than taking out a lump sum all at once.
On sharpely, the SWP calculator allows you to calculate SWP XIRR, total payments amount, number of missed payments, and final corpus. Let’s understand this with an example.
Suppose you make an initial investment of ₹10,00,000 in Parag Parikh Flexi Cap Fund on 28-5-2013 and you decide that you want to make a monthly withdrawal of ₹5000 with an annual increase of 10% from the scheme. In that case, total payouts will be ₹12,49,526 along with a final corpus of ₹5,90,272 on 31-1-25. You will not have any missed payments and your investment will grow at a 19.88% XIRR.
Now let's say you decide to withdraw a little less amount monthly. Say, ₹2500. Let's see what happens now.
Shocked? As you can see the final corpus shot up ₹24,81,843! And not just that, the XIRR also went up to 20.22%.
With lesser payouts, you allow a larger portion of your initial investments to grow and ultimately you have a large final corpus and vice versa.
We provide the ‘Calculator’ section on every mutual fund detail page. We believe, that using these data-driven tools you will be able to accurately estimate expected returns and plan your finances.
Similarly, you can also check out the calculators for ETF. The process is the same.