Friend selling home that purchased in 2022

[Konebhar6]

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

[VangaGandu]

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

[papampasivadu]

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...

[Konebhar6]

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.

[tokkalogola]

House warming link pettu 

[Konebhar6]

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

[Tellugodu]

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% 

[VictoryTDP]

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 

[ARYA]

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

[Konebhar6]

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

[ARYA]

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? 

[Konebhar6]

22 minutes ago, ARYA said:

Can you give the link plz? 

https://docs.google.com/spreadsheets/d/1HrzsUK5TTQPt6B5XjuLm1wO4J9Pvo_zJwKFQzBcpuA8/edit#gid=1702614343