Calculators

Plan with example numbers

Three simple tools to see how regular investing, dividends and costs add up over time. They use example rates you can change, and they are not a promise of what any investment will do.

Tool 1

Monthly investing

Each month, in naira

Years

Example yearly growth rate: 10%

Example rate only. Real returns vary year to year and can be negative.

Tool 2

Dividends reinvested

Starting amount

Example dividend yield, percent

Years

Assumes the share price stays flat, to show the effect of dividends alone. Example only.

Tool 3

The cost of trading often

Portfolio size

Round trips a year

Uses example fees of about 1.7 percent each way.

Advice

Using these tools well

Try low rates too

Run the planner at 4 or 5 percent as well as 10. If the plan only works at the high rate, it is a fragile plan.

Remember inflation

Naira figures twenty years out buy less than today. Think in what the money must pay for, not just the total.

Talk to someone

An adviser can rerun these with you on the phone, for free.

Questions

Calculator questions

Are these returns likely?

They are examples you choose. Shares have had good and bad decades; no rate is promised.

Can I save my plan?