The stream of standing payments arising from monetary transactions is called a financial rent. One of its varieties is annuity. Constant payments that you can receive for a long time without making any effort are not a dream ?! Such a flow of payments is called rent, or with the light hand of Mr. Kiyosaki - passive income. And the person who receives such an income is called a "rentier". So how do you calculate the rent and ensure yourself a comfortable existence?
Instructions
Step 1
First, set the parameters for calculating the financial rent - constant cash flow. To do this, determine how much you can invest monthly (let's say it's 5000 rubles.) How long before the start of receiving the rent you can invest (let it be, for example, 5 years)?
Step 2
Determine the financial instruments of your investment and the share of investment in each. Let's say you have selected bank deposits at different banks. Contributions are monthly. Interest rates on bank deposits - 12%. For simplicity of calculations, we will assume that interest is accrued once at the end of the month.
Step 3
Calculate the financial base that you will receive as a result of such an investment. To do this, use a spreadsheet editor with a compound interest formula.
S = PV (1 + i / m) nm
Where S is the amount at the end of the accumulation period, p.
PV - down payment, p.
i - annual interest rate, in this example 12% or 0, 12
m - the number of times interest accrued for the period
n - number of years
In this case, the total number of periods or the maximum period for calculating interest is 60 months = 5 years * 12 accruals per year.
It turns out that the maximum amount of interest will be charged on the first installment. For all subsequent installments, the percentage will be lower than the interest accrued for the previous period. This is because the accrual period decreases by one month each time. This is well demonstrated by the table with which you can calculate the total amount you receive at the end of the period. In our example, it turns out that the amount at the end of the period, taking into account the accrued interest, is 412 431.83 rubles. At the same time, the amount of accrued interest is 112 431, 83 rubles.
Step 4
Now calculate the amount of rent that you can receive from the amount of such savings. We'll take the simplest option. You will receive a percentage of the capital received as a result of the investment. But at the same time, withdraw in the form of interest only half of the accrued amount, while continuing to invest the second. I.e. The percentage of investment will not be 12%, but 6%. In addition, we believe that after five years, you will stop contributing and capitalize only the interest on the deposit. Then:
S = PV (1 + i / m) nm = 412 431, 83 (1 + 0, 6/12) ^ (1 * 12) = 740 668, 32 is the amount including interest for the year of investment 412 431, 83 r … That is, six percent for the year will give an increase: 740 668, 32 - 412 431, 83 = 328 236, 48 rubles. That is, in a month you will receive additional income or rent in the amount of:
328 236, 48: 12 = 27 353 p. - this is the rent for which you have invested money for 5 years.
