15) Investment Growth Target

15) Investment Growth Target vs Actual

Here's an Excel template to estimate how much your investment amount will grow to, after a few years of investment. You can use the target amount and do a yearly review on the actual investment. Fill up the actual amount over the years to compare.

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You have the flexibility to change the variables to suit your plans:
a) Yearly investment amount
b) Investment Rate of Return
c) Decide which years to invest
d) Continue or stop additional investment after certain years

I have added the Working Money calculator. It is the actual amount used for investment after minus the initial charges. The amount paid is what the investor put in. It is the amount written on the payment cheque.

In investment like Unit Trust, there are charges imposed, such as the Initial Service Charge and the GST on the Service Charge. These charges will reduce the actual invested amount.

An investor should be aware that the "Working Money" is the actual money working in the investment. The difference between amount paid and invested amount are the investment charges.

The Actual Amount column is what you should enter the amount over the years.
It is to compare your target vs actual amount saved. The Target amount is like the benchmark.

If the Actual Amount graph (in blue colour) is higher than the Target Amount (in red colour), then it is a better story. Congratulations as you over achieved the benchmark This means your actual money are above the Target and you are having more.

If your Actual Amount graph is lower, it means that your actual is lower than your target amount. You under achieved your benchmark. You may not achieve your target when you reached your target date.

Do something to increase the actual amount. Do make regular reviews to ensure that your actual results are on track as per the target.

It is very important to do regular review. You will be able detect early any major changes to your plans and enable you to take corrective actions as soon as possible.

All the best in your planning for yourself and your clients.

The Excel file can be downloaded from this link below. Download and Save As a new file.


https://drive.google.com/open?id=1y7ktTNL14hCJ_Z4G3dm5N8TxIDc6X3bL


There are also few other Excel file templates for your use. Do explore around in the other articles.