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Mutual Fund Return Calculator: Dividends Reinvested


On this web page is a mutual fund return calculator which robotically computes an funding return, together with reinvested dividends. Enter a beginning quantity and timeframe to estimate the expansion of an funding in a mutual fund, or use the device as a option to monitor index returns web of charges by getting into well-liked tickers. Moreover, you possibly can simulate periodic investments right into a fund by 12 months, month, week, or day.

There are 1000’s of mutual funds in our database, correct to throughout the final 7 buying and selling days and with information again to 2000.

Mutual Fund Whole Return Calculator

How To Use the Mutual Fund Whole Return Calculator

To start, you might want to enter at the very least a mutual fund ticker. Supported funds are pre-populated within the subject and can autocomplete as you kind.

Fundamental Mutual Fund Particulars and Inputs

Fundamental choices for mutual fund funding simulation modeling.
  • Ticker: Enter a legitimate, lively mutual fund ticker [ZIP] from Tiingo
  • Beginning Quantity ($): In {dollars}, the quantity added to the fund on day 1
  • Beginning Date: Enter when an funding was first made °
  • Ending Date: Enter when an funding was bought °

° Relying on the mutual fund information and market buying and selling dates (see extra beneath), we would modify the beginning date and ending date. Test once more after your calculation.

Superior Dividend and Periodic Funding Choices

Modeling options for periodic investments and dividend events.
Superior choices concentrating on dividend occasions and periodic investments

Click on ‘Toggle Superior’ to open the superior mutual fund dividend and funding panel.

  • Present Occasions: Test the field, and we’ll checklist all our dividend and break up data for the mutual fund in your timeframe. We’ll additionally embody (optionally) periodic funding data.
  • Periodic Investments: Choose the field if you would like to mannequin periodic investments right into a mutual fund.
  • “Month-to-month”: In case you are simulating periodic investments, choose the timeframe for the mutual fund investments from the dropdown menu.
  • Common Quantity: The quantity invested each interval within the simulation.

Decoding Mutual Fund Mannequin Outcomes

Mutual fund total return calculator showing graph of portfolio value.
Outcomes of the overall return calculator for VTSAX
  • Ultimate Worth ($): The worth of the mutual fund funding on the ‘Ending Date’ utilizing your beginning quantity and funding assumptions. Keep in mind, the device could change that date relying on the database refresh restrict.
  • Annual Return: An estimate of the annualized proportion return by the funding, together with your periodic investments. See our compound annual development calculator for extra.
  • Graph: The worth of the mutual fund funding over time. You’ll be able to hover (desktop) or faucet (pill or cell) to see the portfolio worth at a cut-off date.

How do the periodic mutual fund investments work?

A database backs the device with day by day costs on mutual funds, which additionally consists of dividends and splits. In contrast to with shares or ETFs, there aren’t any open, shut, excessive, and low costs – mutual funds quote one value per day after market shut.

And dividends or periodic investments are completed on the identical day by day value.

Supply and Methodology of the Mutual Fund Whole Return Calculator

The mutual return calculator is a spinoff of the inventory and ADR return calculator and ETF and CEF return calculator. The device makes use of the Tiingo API for its value and dividend information. Tiingo is not free, so we have now some very modest limits in place:

  • ETF and CEF information could also be as much as 7 buying and selling days outdated. Word that weekend refreshes and market holidays would possibly imply that is over 7 ‘precise’ days’.
    • At all times test the device ending date after a state of affairs to see information recency of the mutual fund.
  • Fee limits are in place:
    • Most 50 calculations per day
    • Most 10 calculations per minute
  • Limits apply throughout all the Tiingo calculators. You’ll be able to see which of them within the methodology part.

Limitations and Disclaimers

The mutual fund complete return calculated accommodates idealized return information. It’s based mostly on historic costs and wouldn’t match an actual investor’s beneficial properties precisely.

The device is for informational functions solely. We can’t warrant any outcomes. Mutual fund outputs are good for preliminary analysis, however please confirm any data the device outputs independently.

Word that there are different components the device is ignoring:

  • Taxes
  • Your portfolio administration charges
  • Dividend timing
  • Different issues I am unable to enumerate

The worth or dividend datasets could also be fallacious too (please report in the event you discover a bug).

Utilizing the device as an index fund return calculator

Many mutual funds monitor revealed indexes. You should use well-liked mutual funds monitoring indices to estimate an investor’s outcomes monitoring an index after charges.

Nevertheless, notice our warnings – these are idealized computations. See a fund’s prospectus for the gold commonplace outcomes on an funding.

Bug Studies, Characteristic Requests, and Requests to Assist with the Mutual Fund Whole Return Calculator

Tell us in the event you discover a bug, and importantly embody the fund ticker with the difficulty.

You’ll be able to ship enhancement requests, however the bar could be very excessive. I am not paid to construct or preserve this device (outdoors of the advertisements). For important requests, please make a contracting inquiry.

Once more, this data is for informational and analysis functions solely. We can’t and will be unable to assist in a authorized capability. We are able to solely show you how to with analysis inquiries. This information could be a helpful place to begin to your analysis, however for authorized inquiries, you most likely want an expert generally known as a “forensic accountant”.

Mutual Funds, Dividends, and Whole Returns

As I’ve maintained since I began tool-building on this website, dividends matter. To today, it is ridiculous what number of monetary tales quote index or inventory value returns when dividends ultimately dominate complete returns on an extended sufficient timeline. (Non-dividend payers apart!)

However except you’re heating your home with dividend checks, dropping your mail, refusing to money checks, or another bizarre state of affairs… your dividends are an actual consider your returns.

If you would like to match the mutual fund device to a straight funding in an index or to compute payment drag:

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