Yeh kaise hota hai, kadam dar kadam
Shuruaat
Shuru mein nivesh ₹10,000 hai. Theek 2 saal baad ₹12,100 hai. Beech mein na paisa juda, na nikla. Absolute return shuru ke paison par badlav hai. ₹10,000 par ₹2,100, ya 21%. Yeh poore waqt ka hai, 1 saal ka nahi.
Aage kya hota hai
Paisa bina chhede raha. Isliye 21% ko barabar saalana rate mein badal sakte hain. 2 saal mein ₹10,000 ko ₹12,100 banaane ka saalana rate 10% hai. Number ka badlav dekhein. Kul 21%, saalana barabar rate 10%. Koi galat nahi. Dono alag sawaalon ke jawab hain. 21% ko saalana ya 10% ko kul kehna milaan ki aam galti hai.
Iska matlab — aur kya nahi
CAGR ka 10% tabhi sahi hai kyunki paisa hila nahi. Alag dates par paisa aaye, toh yeh uska hisaab nahi deta. Doosra nivesh dekhein. 1 January ko ₹1,000 aur 1 December ko ₹1,000 jama hue. 31 December ko value ₹2,150 hai. Kul jama ₹2,000 par saadhaaran percentage 7.5% hai. Lekin baad ke ₹1,000 sirf 1 mahina lage. Unhein poora saal dene se paison ki kamai ki dar kam dikhati hai. XIRR har flow ko uski date se 365-din ke aadhar par discount karta hai. Wohi 2 payments par jawab 13.96%, lagbhag dugna, hai.
- Capital ki rakam (₹)
- 1 saal par seedhi 10% badhat: ₹11,000 · 11,000
₹10,000 se 2 saal mein ₹12,100 hue. Kul 21%, saalana 10%. Beech mein ₹8,500 tak girna bataye CAGR ko nahi badalta. Yahi baat hai. Wohi shuru aur ant wale har raaste ko 1 hi barabar rate milta hai.
Chart ka data dekhein
| Saal | Capital ki rakam (₹) |
|---|---|
| 0 | 10,000 |
| 1 | 8,500 |
| 2 | 12,100 |
Isse kya establish nahi hota
Har maap ki alag seema hai. Waqt ki lambai badle, toh absolute returns ka seedha milaan galat hai. 2 saal mein 21% aur 7 saal mein 21% wohi nateeja nahi. Paisa aaye ya nikle, toh CAGR lagu nahi. Woh raasta bhi poora chhupaata hai. Upar nivesh lagatar badha ho ya beech mein ₹8,500 tak girkar sambhla ho, CAGR 10% hai. Isliye woh utar-chadhaav ya sabse neecha point nahi batata. XIRR ke jawab ke liye positive aur negative, dono cash flows chahiye. Asaadhaaran flows se ganit ke kai jawab ya koi milta jawab nahi ho sakta. Solver ki error ka matlab return 0 nahi. Matlab jawab nahi mila. Sabhi 3 ho chuki baat batate hain. Koi bhavishyavaani nahi.
Kya check karein
5Bataya percentage poore waqt ka hai ya 1 saal ka?
Beech mein paisa aaya ya nikla? Haan, toh CAGR galat tool hai.
Kya milaye ja rahe dono numbers utne hi waqt ke hain?
Date wale hisaab mein har jama negative, ant ki value positive aur har date sahi hai?
Kya number raaste ka sabse bura point batata hai? In 3 mein se koi nahi.
Aam galtiyan
521 poore 2 saal ka total badlaav hai aur 10 uske barabar saalana rate. Galat sirf tab hota hai jab ek ko doosre ki jagah quote kar diya jaaye.
Ant ki value ko kul jama se baantkar payments ke schedule par CAGR lagaana. Isse der se aaye paise ko shuru se laga hua maante hain.
Saaf saalana rate ko poore safar ka varnan samajhna. Yeh 1 barabar rate hai. Wohi ant wale har raaste ko yahi milta hai.
XIRR solver ki error ko 0 return samajhna. Matlab hisaab ka jawab nahi mila.
XIRR jaise paison ke wazan wale maap ko waqt ke wazan wale maap se milaana. Dono wohi nivesh ke alag sawaalon ke jawab hain.
1 January ko ₹1,000 aur 1 December ko ₹1,000 jama hue. 31 December ko value ₹2,150 hai. ₹2,000 ke kul jama par saadhaaran percentage 7.5% hai. Date wala hisaab kitna deta hai?
- 7.5% hi. Theek 1 saal ke hisaab ko saalana tareeka nahi badal sakta.
- Lagbhag 13.96%
- 7.5% se kam, kyunki alag waqt par jama se return ghatta hai
Answer dikhao
B. Lagbhag 13.96%
Baad ke ₹1,000 sirf 1 mahina lage, 1 saal nahi. Saadhaaran percentage fayde ko kul jama se baantkar sabhi paison ko poora waqt deta hai. Isse kamai ki dar kam dikhati hai. XIRR har flow ko uski date se discount karke 13.96% deta hai. Jawab A sahi lagta hai, kyunki calendar ka waqt 1 saal hai. Lekin paisa kam waqt laga tha, calendar nahi.
Aksar poochhe sawaal
3Har mahine jama ke liye kaunsa tareeka lein?
Date wala hisaab. Payments ka schedule CAGR nahi samjha sakta. Woh nahi jaanta ki baad ke paise kam waqt lage. Upar saadhaaran percentage 7.5% aur XIRR 13.96% hai.
Mera XIRR absolute return se zyada kyon hai?
Aam taur par zyada paisa der se aaya. Saadhaaran percentage fayde ko kul jama se baantkar sabhi ko poora waqt deta hai. XIRR har rakam ko sirf uske lage hue din deta hai.
Kya achha CAGR matlab nivesh mein risk kam tha?
Nahi. CAGR sirf shuru aur ant ki 2 values se nikalta hai. Beech ka kuch nahi dekhta. /learn/drawdown-recovery-arithmetic samjhata hai ki sabse bura point alag sawaal kyon hai.