Konebhar6 Posted February 17 Report Share Posted February 17 7 hours ago, papampasivadu said: vast majority of americans don't even save that 10k/ yr...they are perpetually in debt all the time buying new cars and unnecessary junk and have no planning for retirement...you should probably ask them for genuine answers... 10k a yr for 30 yrs in a s&P 500 fund (if it performs 8% annually) will yield a little more than a million $...that combined with ssn payments is considered a good sum for retiring by many americans Saw these calculations online how you invest 10k initally with 6k every year and how its $1.15M after 10 yrs with dividend reinvestment... Year Principal Contribution Yield Yield on Cost Income Taxes After DRIP Principal Increase New Balance 1 $10,000.00 $6,000.00 3.00% 3.00% $300.00 $0.00 $10,300.00 $1,000.00 $17,300.00 2 $17,300.00 $6,000.00 3.00% 3.24% $519.00 $0.00 $17,819.00 $1,730.00 $25,549.00 3 $25,549.00 $6,000.00 3.00% 3.48% $766.47 $0.00 $26,315.47 $2,554.90 $34,870.37 4 $34,870.37 $6,000.00 3.00% 3.74% $1,046.11 $0.00 $35,916.48 $3,487.04 $45,403.52 5 $45,403.52 $6,000.00 3.00% 4.01% $1,362.11 $0.00 $46,765.62 $4,540.35 $57,305.98 6 $57,305.98 $6,000.00 3.00% 4.30% $1,719.18 $0.00 $59,025.15 $5,730.60 $70,755.75 7 $70,755.75 $6,000.00 3.00% 4.61% $2,122.67 $0.00 $72,878.42 $7,075.58 $85,954.00 8 $85,954.00 $6,000.00 3.00% 4.96% $2,578.62 $0.00 $88,532.62 $8,595.40 $103,128.02 9 $103,128.02 $6,000.00 3.00% 5.33% $3,093.84 $0.00 $106,221.86 $10,312.80 $122,534.66 10 $122,534.66 $6,000.00 3.00% 5.74% $3,676.04 $0.00 $126,210.70 $12,253.47 $144,464.17 11 $144,464.17 $6,000.00 3.00% 6.19% $4,333.93 $0.00 $148,798.09 $14,446.42 $169,244.51 12 $169,244.51 $6,000.00 3.00% 6.68% $5,077.34 $0.00 $174,321.85 $16,924.45 $197,246.30 13 $197,246.30 $6,000.00 3.00% 7.22% $5,917.39 $0.00 $203,163.69 $19,724.63 $228,888.32 14 $228,888.32 $6,000.00 3.00% 7.80% $6,866.65 $0.00 $235,754.97 $22,888.83 $264,643.80 15 $264,643.80 $6,000.00 3.00% 8.45% $7,939.31 $0.00 $272,583.11 $26,464.38 $305,047.49 16 $305,047.49 $6,000.00 3.00% 9.15% $9,151.42 $0.00 $314,198.92 $30,504.75 $350,703.66 17 $350,703.66 $6,000.00 3.00% 9.93% $10,521.11 $0.00 $361,224.77 $35,070.37 $402,295.14 18 $402,295.14 $6,000.00 3.00% 10.78% $12,068.85 $0.00 $414,363.99 $40,229.51 $460,593.51 19 $460,593.51 $6,000.00 3.00% 11.71% $13,817.81 $0.00 $474,411.31 $46,059.35 $526,470.66 20 $526,470.66 $6,000.00 3.00% 12.74% $15,794.12 $0.00 $542,264.78 $52,647.07 $600,911.85 21 $600,911.85 $6,000.00 3.00% 13.87% $18,027.36 $0.00 $618,939.21 $60,091.19 $685,030.39 22 $685,030.39 $6,000.00 3.00% 15.11% $20,550.91 $0.00 $705,581.30 $68,503.04 $780,084.34 23 $780,084.34 $6,000.00 3.00% 16.48% $23,402.53 $0.00 $803,486.87 $78,008.43 $887,495.31 24 $887,495.31 $6,000.00 3.00% 17.99% $26,624.86 $0.00 $914,120.17 $88,749.53 $1,008,869.70 25 $1,008,869.70 $6,000.00 3.00% 19.65% $30,266.09 $0.00 $1,039,135.79 $100,886.97 $1,146,022.76 Assumptions made below .. Annual Contribution $6,000.00 Starting Pricipal $10,000.00 Dividend Tax Rate 0.00% Dividend Yield 3.00% Expected Share Price Appreciation 10.00% Expected Dividend Increase 10.00% Dividend Reinvestment TRUE Quote Link to comment Share on other sites More sharing options...
VangaGandu Posted February 17 Report Share Posted February 17 1 hour ago, Konebhar6 said: Saw these calculations online how you invest 10k initally with 6k every year and how its $1.15M after 10 yrs with dividend reinvestment... Year Principal Contribution Yield Yield on Cost Income Taxes After DRIP Principal Increase New Balance 1 $10,000.00 $6,000.00 3.00% 3.00% $300.00 $0.00 $10,300.00 $1,000.00 $17,300.00 2 $17,300.00 $6,000.00 3.00% 3.24% $519.00 $0.00 $17,819.00 $1,730.00 $25,549.00 3 $25,549.00 $6,000.00 3.00% 3.48% $766.47 $0.00 $26,315.47 $2,554.90 $34,870.37 4 $34,870.37 $6,000.00 3.00% 3.74% $1,046.11 $0.00 $35,916.48 $3,487.04 $45,403.52 5 $45,403.52 $6,000.00 3.00% 4.01% $1,362.11 $0.00 $46,765.62 $4,540.35 $57,305.98 6 $57,305.98 $6,000.00 3.00% 4.30% $1,719.18 $0.00 $59,025.15 $5,730.60 $70,755.75 7 $70,755.75 $6,000.00 3.00% 4.61% $2,122.67 $0.00 $72,878.42 $7,075.58 $85,954.00 8 $85,954.00 $6,000.00 3.00% 4.96% $2,578.62 $0.00 $88,532.62 $8,595.40 $103,128.02 9 $103,128.02 $6,000.00 3.00% 5.33% $3,093.84 $0.00 $106,221.86 $10,312.80 $122,534.66 10 $122,534.66 $6,000.00 3.00% 5.74% $3,676.04 $0.00 $126,210.70 $12,253.47 $144,464.17 11 $144,464.17 $6,000.00 3.00% 6.19% $4,333.93 $0.00 $148,798.09 $14,446.42 $169,244.51 12 $169,244.51 $6,000.00 3.00% 6.68% $5,077.34 $0.00 $174,321.85 $16,924.45 $197,246.30 13 $197,246.30 $6,000.00 3.00% 7.22% $5,917.39 $0.00 $203,163.69 $19,724.63 $228,888.32 14 $228,888.32 $6,000.00 3.00% 7.80% $6,866.65 $0.00 $235,754.97 $22,888.83 $264,643.80 15 $264,643.80 $6,000.00 3.00% 8.45% $7,939.31 $0.00 $272,583.11 $26,464.38 $305,047.49 16 $305,047.49 $6,000.00 3.00% 9.15% $9,151.42 $0.00 $314,198.92 $30,504.75 $350,703.66 17 $350,703.66 $6,000.00 3.00% 9.93% $10,521.11 $0.00 $361,224.77 $35,070.37 $402,295.14 18 $402,295.14 $6,000.00 3.00% 10.78% $12,068.85 $0.00 $414,363.99 $40,229.51 $460,593.51 19 $460,593.51 $6,000.00 3.00% 11.71% $13,817.81 $0.00 $474,411.31 $46,059.35 $526,470.66 20 $526,470.66 $6,000.00 3.00% 12.74% $15,794.12 $0.00 $542,264.78 $52,647.07 $600,911.85 21 $600,911.85 $6,000.00 3.00% 13.87% $18,027.36 $0.00 $618,939.21 $60,091.19 $685,030.39 22 $685,030.39 $6,000.00 3.00% 15.11% $20,550.91 $0.00 $705,581.30 $68,503.04 $780,084.34 23 $780,084.34 $6,000.00 3.00% 16.48% $23,402.53 $0.00 $803,486.87 $78,008.43 $887,495.31 24 $887,495.31 $6,000.00 3.00% 17.99% $26,624.86 $0.00 $914,120.17 $88,749.53 $1,008,869.70 25 $1,008,869.70 $6,000.00 3.00% 19.65% $30,266.09 $0.00 $1,039,135.79 $100,886.97 $1,146,022.76 Assumptions made below .. Annual Contribution $6,000.00 Starting Pricipal $10,000.00 Dividend Tax Rate 0.00% Dividend Yield 3.00% Expected Share Price Appreciation 10.00% Expected Dividend Increase 10.00% Dividend Reinvestment TRUE Quote Link to comment Share on other sites More sharing options...
papampasivadu Posted February 17 Report Share Posted February 17 18 hours ago, Konebhar6 said: Saw these calculations online how you invest 10k initally with 6k every year and how its $1.15M after 10 yrs with dividend reinvestment... Year Principal Contribution Yield Yield on Cost Income Taxes After DRIP Principal Increase New Balance 1 $10,000.00 $6,000.00 3.00% 3.00% $300.00 $0.00 $10,300.00 $1,000.00 $17,300.00 2 $17,300.00 $6,000.00 3.00% 3.24% $519.00 $0.00 $17,819.00 $1,730.00 $25,549.00 3 $25,549.00 $6,000.00 3.00% 3.48% $766.47 $0.00 $26,315.47 $2,554.90 $34,870.37 4 $34,870.37 $6,000.00 3.00% 3.74% $1,046.11 $0.00 $35,916.48 $3,487.04 $45,403.52 5 $45,403.52 $6,000.00 3.00% 4.01% $1,362.11 $0.00 $46,765.62 $4,540.35 $57,305.98 6 $57,305.98 $6,000.00 3.00% 4.30% $1,719.18 $0.00 $59,025.15 $5,730.60 $70,755.75 7 $70,755.75 $6,000.00 3.00% 4.61% $2,122.67 $0.00 $72,878.42 $7,075.58 $85,954.00 8 $85,954.00 $6,000.00 3.00% 4.96% $2,578.62 $0.00 $88,532.62 $8,595.40 $103,128.02 9 $103,128.02 $6,000.00 3.00% 5.33% $3,093.84 $0.00 $106,221.86 $10,312.80 $122,534.66 10 $122,534.66 $6,000.00 3.00% 5.74% $3,676.04 $0.00 $126,210.70 $12,253.47 $144,464.17 11 $144,464.17 $6,000.00 3.00% 6.19% $4,333.93 $0.00 $148,798.09 $14,446.42 $169,244.51 12 $169,244.51 $6,000.00 3.00% 6.68% $5,077.34 $0.00 $174,321.85 $16,924.45 $197,246.30 13 $197,246.30 $6,000.00 3.00% 7.22% $5,917.39 $0.00 $203,163.69 $19,724.63 $228,888.32 14 $228,888.32 $6,000.00 3.00% 7.80% $6,866.65 $0.00 $235,754.97 $22,888.83 $264,643.80 15 $264,643.80 $6,000.00 3.00% 8.45% $7,939.31 $0.00 $272,583.11 $26,464.38 $305,047.49 16 $305,047.49 $6,000.00 3.00% 9.15% $9,151.42 $0.00 $314,198.92 $30,504.75 $350,703.66 17 $350,703.66 $6,000.00 3.00% 9.93% $10,521.11 $0.00 $361,224.77 $35,070.37 $402,295.14 18 $402,295.14 $6,000.00 3.00% 10.78% $12,068.85 $0.00 $414,363.99 $40,229.51 $460,593.51 19 $460,593.51 $6,000.00 3.00% 11.71% $13,817.81 $0.00 $474,411.31 $46,059.35 $526,470.66 20 $526,470.66 $6,000.00 3.00% 12.74% $15,794.12 $0.00 $542,264.78 $52,647.07 $600,911.85 21 $600,911.85 $6,000.00 3.00% 13.87% $18,027.36 $0.00 $618,939.21 $60,091.19 $685,030.39 22 $685,030.39 $6,000.00 3.00% 15.11% $20,550.91 $0.00 $705,581.30 $68,503.04 $780,084.34 23 $780,084.34 $6,000.00 3.00% 16.48% $23,402.53 $0.00 $803,486.87 $78,008.43 $887,495.31 24 $887,495.31 $6,000.00 3.00% 17.99% $26,624.86 $0.00 $914,120.17 $88,749.53 $1,008,869.70 25 $1,008,869.70 $6,000.00 3.00% 19.65% $30,266.09 $0.00 $1,039,135.79 $100,886.97 $1,146,022.76 Assumptions made below .. Annual Contribution $6,000.00 Starting Pricipal $10,000.00 Dividend Tax Rate 0.00% Dividend Yield 3.00% Expected Share Price Appreciation 10.00% Expected Dividend Increase 10.00% Dividend Reinvestment TRUE Bro....3% annual yield plus 10% appreciation...and that too consistently year after year for 25 yrs? I don't think any publicly traded fund has achieved this so far... If you know something we don't know...please, oka seperate thread esi aa knowledge share cheyyi bro... Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted February 17 Report Share Posted February 17 14 minutes ago, papampasivadu said: Bro....3% annual yield plus 10% appreciation...and that too consistently year after year for 25 yrs? I don't think any publicly traded fund has achieved this so far... If you know something we don't know...please, oka seperate thread esi aa knowledge share cheyyi bro... These are just for calculations. My initial thought was same as you. But I did realize there are stocks/etfs that have achieved this. However It’s easy to look back and make these calculations. Difficulty is finding such stocks now. also it may not be consistent growth of 10% every year but an average. I am sure there are plenty of div based stocks/etfs that have easily doubled in 5+ yrs. Currently doing analysis. Will start a thread soon. 2 Quote Link to comment Share on other sites More sharing options...
tokkalogola Posted February 17 Report Share Posted February 17 House warming link pettu Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted February 17 Report Share Posted February 17 1 hour ago, papampasivadu said: Bro....3% annual yield plus 10% appreciation...and that too consistently year after year for 25 yrs? I don't think any publicly traded fund has achieved this so far... If you know something we don't know...please, oka seperate thread esi aa knowledge share cheyyi bro... I did this calculation for O (Realty Income). ITs stock split adjusted price in Jan 1999 is 2.76. Considering its price of around 52 its a yearly appreciation of 13%. Its dividend is 3% lets say, and its Average Dividend increase over 25 yrs is 3.67. After inputting this values into the calculator .. Its value is $1.34M Quote Link to comment Share on other sites More sharing options...
Tellugodu Posted February 17 Report Share Posted February 17 2 hours ago, Konebhar6 said: These are just for calculations. My initial thought was same as you. But I did realize there are stocks/etfs that have achieved this. However It’s easy to look back and make these calculations. Difficulty is finding such stocks now. also it may not be consistent growth of 10% every year but an average. I am sure there are plenty of div based stocks/etfs that have easily doubled in 5+ yrs. Currently doing analysis. Will start a thread soon. QQQ/QQQM and VOO/SPLG has historically provided good returns around 12-15% 1 Quote Link to comment Share on other sites More sharing options...
VictoryTDP Posted February 17 Report Share Posted February 17 On 2/16/2024 at 1:15 PM, kakatiya said: That's how it should.be 2500$ is ideal.. .tax 800_900$ so your friend is losing a significant amount of money Quote Link to comment Share on other sites More sharing options...
ARYA Posted February 21 Report Share Posted February 21 On 2/16/2024 at 4:21 PM, Konebhar6 said: Saw these calculations online how you invest 10k initally with 6k every year and how its $1.15M after 10 yrs with dividend reinvestment... Year Principal Contribution Yield Yield on Cost Income Taxes After DRIP Principal Increase New Balance 1 $10,000.00 $6,000.00 3.00% 3.00% $300.00 $0.00 $10,300.00 $1,000.00 $17,300.00 2 $17,300.00 $6,000.00 3.00% 3.24% $519.00 $0.00 $17,819.00 $1,730.00 $25,549.00 3 $25,549.00 $6,000.00 3.00% 3.48% $766.47 $0.00 $26,315.47 $2,554.90 $34,870.37 4 $34,870.37 $6,000.00 3.00% 3.74% $1,046.11 $0.00 $35,916.48 $3,487.04 $45,403.52 5 $45,403.52 $6,000.00 3.00% 4.01% $1,362.11 $0.00 $46,765.62 $4,540.35 $57,305.98 6 $57,305.98 $6,000.00 3.00% 4.30% $1,719.18 $0.00 $59,025.15 $5,730.60 $70,755.75 7 $70,755.75 $6,000.00 3.00% 4.61% $2,122.67 $0.00 $72,878.42 $7,075.58 $85,954.00 8 $85,954.00 $6,000.00 3.00% 4.96% $2,578.62 $0.00 $88,532.62 $8,595.40 $103,128.02 9 $103,128.02 $6,000.00 3.00% 5.33% $3,093.84 $0.00 $106,221.86 $10,312.80 $122,534.66 10 $122,534.66 $6,000.00 3.00% 5.74% $3,676.04 $0.00 $126,210.70 $12,253.47 $144,464.17 11 $144,464.17 $6,000.00 3.00% 6.19% $4,333.93 $0.00 $148,798.09 $14,446.42 $169,244.51 12 $169,244.51 $6,000.00 3.00% 6.68% $5,077.34 $0.00 $174,321.85 $16,924.45 $197,246.30 13 $197,246.30 $6,000.00 3.00% 7.22% $5,917.39 $0.00 $203,163.69 $19,724.63 $228,888.32 14 $228,888.32 $6,000.00 3.00% 7.80% $6,866.65 $0.00 $235,754.97 $22,888.83 $264,643.80 15 $264,643.80 $6,000.00 3.00% 8.45% $7,939.31 $0.00 $272,583.11 $26,464.38 $305,047.49 16 $305,047.49 $6,000.00 3.00% 9.15% $9,151.42 $0.00 $314,198.92 $30,504.75 $350,703.66 17 $350,703.66 $6,000.00 3.00% 9.93% $10,521.11 $0.00 $361,224.77 $35,070.37 $402,295.14 18 $402,295.14 $6,000.00 3.00% 10.78% $12,068.85 $0.00 $414,363.99 $40,229.51 $460,593.51 19 $460,593.51 $6,000.00 3.00% 11.71% $13,817.81 $0.00 $474,411.31 $46,059.35 $526,470.66 20 $526,470.66 $6,000.00 3.00% 12.74% $15,794.12 $0.00 $542,264.78 $52,647.07 $600,911.85 21 $600,911.85 $6,000.00 3.00% 13.87% $18,027.36 $0.00 $618,939.21 $60,091.19 $685,030.39 22 $685,030.39 $6,000.00 3.00% 15.11% $20,550.91 $0.00 $705,581.30 $68,503.04 $780,084.34 23 $780,084.34 $6,000.00 3.00% 16.48% $23,402.53 $0.00 $803,486.87 $78,008.43 $887,495.31 24 $887,495.31 $6,000.00 3.00% 17.99% $26,624.86 $0.00 $914,120.17 $88,749.53 $1,008,869.70 25 $1,008,869.70 $6,000.00 3.00% 19.65% $30,266.09 $0.00 $1,039,135.79 $100,886.97 $1,146,022.76 Assumptions made below .. Annual Contribution $6,000.00 Starting Pricipal $10,000.00 Dividend Tax Rate 0.00% Dividend Yield 3.00% Expected Share Price Appreciation 10.00% Expected Dividend Increase 10.00% Dividend Reinvestment TRUE Is this for $SPY uncle? I think its 1.25 mill after 25 yrs not 10 yrs no Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted February 22 Report Share Posted February 22 10 hours ago, ARYA said: Is this for $SPY uncle? I think its 1.25 mill after 25 yrs not 10 yrs no This is a general calculator. If you know it’s div worth rate and price appreciation rate you can get the numbers. Look at the sheet I shared in another thread Quote Link to comment Share on other sites More sharing options...
ARYA Posted February 22 Report Share Posted February 22 8 minutes ago, Konebhar6 said: This is a general calculator. If you know it’s div worth rate and price appreciation rate you can get the numbers. Look at the sheet I shared in another thread Can you give the link plz? Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted February 22 Report Share Posted February 22 22 minutes ago, ARYA said: Can you give the link plz? https://docs.google.com/spreadsheets/d/1HrzsUK5TTQPt6B5XjuLm1wO4J9Pvo_zJwKFQzBcpuA8/edit#gid=1702614343 Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.