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App-CalcAccumulatedDiscounts-0.07
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/ App::CalcAccumulatedDiscounts

NAME

App::CalcAccumulatedDiscounts - Calculate multi-year discounts from a per-year discount rate

VERSION

This document describes version 0.07 of App::CalcAccumulatedDiscounts (from Perl distribution App-CalcAccumulatedDiscounts), released on 2017-06-05.

SYNOPSIS

See the included script calc-accumulated-discounts.

FUNCTIONS

calc_accumulated_discounts

Usage:

calc_accumulated_discounts(%args) -> any

Calculate multi-year discounts from a per-year discount rate.

Examples:

  • Example #1:

    calc_accumulated_discounts();

    Result:

    [
  [
    "Disc p.a. \\ Year",
    "5y",
    "10y",
    "15y",
    "20y",
    "25y",
    "30y",
    "35y",
    "40y",
    "45y",
    "50y",
  ],
  [
    "0.25%",
    "1.2%",
    "2.5%",
    "3.7%",
    "4.9%",
    "6.1%",
    "7.2%",
    "8.4%",
    "9.5%",
    "10.7%",
    "11.8%",
  ],
  [
    "0.50%",
    "2.5%",
    "4.9%",
    "7.2%",
    "9.5%",
    "11.8%",
    "14.0%",
    "16.1%",
    "18.2%",
    "20.2%",
    "22.2%",
  ],
  [
    "0.75%",
    "3.7%",
    "7.3%",
    "10.7%",
    "14.0%",
    "17.2%",
    "20.2%",
    "23.2%",
    "26.0%",
    "28.7%",
    "31.4%",
  ],
  [
    "1.00%",
    "4.9%",
    "9.6%",
    "14.0%",
    "18.2%",
    "22.2%",
    "26.0%",
    "29.7%",
    "33.1%",
    "36.4%",
    "39.5%",
  ],
  [
    "1.25%",
    "6.1%",
    "11.8%",
    "17.2%",
    "22.2%",
    "27.0%",
    "31.4%",
    "35.6%",
    "39.5%",
    "43.2%",
    "46.7%",
  ],
  [
    "1.50%",
    "7.3%",
    "14.0%",
    "20.3%",
    "26.1%",
    "31.5%",
    "36.5%",
    "41.1%",
    "45.4%",
    "49.3%",
    "53.0%",
  ],
  [
    "1.75%",
    "8.4%",
    "16.2%",
    "23.3%",
    "29.7%",
    "35.7%",
    "41.1%",
    "46.1%",
    "50.6%",
    "54.8%",
    "58.6%",
  ],
  [
    "2.00%",
    "9.6%",
    "18.3%",
    "26.1%",
    "33.2%",
    "39.7%",
    "45.5%",
    "50.7%",
    "55.4%",
    "59.7%",
    "63.6%",
  ],
  [
    "2.25%",
    "10.8%",
    "20.4%",
    "28.9%",
    "36.6%",
    "43.4%",
    "49.5%",
    "54.9%",
    "59.8%",
    "64.1%",
    "67.9%",
  ],
  [
    "2.50%",
    "11.9%",
    "22.4%",
    "31.6%",
    "39.7%",
    "46.9%",
    "53.2%",
    "58.8%",
    "63.7%",
    "68.0%",
    "71.8%",
  ],
  [
    "2.75%",
    "13.0%",
    "24.3%",
    "34.2%",
    "42.7%",
    "50.2%",
    "56.7%",
    "62.3%",
    "67.2%",
    "71.5%",
    "75.2%",
  ],
  [
    "3.00%",
    "14.1%",
    "26.3%",
    "36.7%",
    "45.6%",
    "53.3%",
    "59.9%",
    "65.6%",
    "70.4%",
    "74.6%",
    "78.2%",
  ],
  [
    "3.25%",
    "15.2%",
    "28.1%",
    "39.1%",
    "48.4%",
    "56.2%",
    "62.9%",
    "68.5%",
    "73.3%",
    "77.4%",
    "80.8%",
  ],
  [
    "3.50%",
    "16.3%",
    "30.0%",
    "41.4%",
    "51.0%",
    "59.0%",
    "65.7%",
    "71.3%",
    "76.0%",
    "79.9%",
    "83.2%",
  ],
  [
    "3.75%",
    "17.4%",
    "31.8%",
    "43.6%",
    "53.4%",
    "61.5%",
    "68.2%",
    "73.8%",
    "78.3%",
    "82.1%",
    "85.2%",
  ],
  [
    "4.00%",
    "18.5%",
    "33.5%",
    "45.8%",
    "55.8%",
    "64.0%",
    "70.6%",
    "76.0%",
    "80.5%",
    "84.1%",
    "87.0%",
  ],
  [
    "4.50%",
    "20.6%",
    "36.9%",
    "49.9%",
    "60.2%",
    "68.4%",
    "74.9%",
    "80.0%",
    "84.1%",
    "87.4%",
    "90.0%",
  ],
  [
    "5.00%",
    "22.6%",
    "40.1%",
    "53.7%",
    "64.2%",
    "72.3%",
    "78.5%",
    "83.4%",
    "87.1%",
    "90.1%",
    "92.3%",
  ],
]

  • Modify years and discount rates to generate:

    calc_accumulated_discounts(discounts => [1, 2, 2.5], years => [5, 10]);

    Result:

    [
  ["Disc p.a. \\ Year", "5y", "10y"],
  ["1.00%", "4.9%", "9.6%"],
  ["2.00%", "9.6%", "18.3%"],
  ["2.50%", "11.9%", "22.4%"],
]

This routine generates a table of accumulated discounts over a period of several years, given the annual discount rates.

I first wrote this to see the accumulated fees when choosing mutual funds products. The moral of the story is, if you plan to hold a fund for a long time (e.g. 5-10 years or longer) you should pick funds that are low in annual fees (e.g. 1% or lower). Otherwise, the annual management fees will eat up most, if not all, your potential profits.

This function is not exported.

Arguments ('*' denotes required arguments):

  • discounts => array[float] (default: [0.25,0.5,0.75,1,1.25,1.5,1.75,2,2.25,2.5,2.75,3,3.25,3.5,3.75,4,4.5,5])

  • years => array[int] (default: [5,10,15,20,25,30,35,40,45,50])

Return value: (any)

HOMEPAGE

Please visit the project's homepage at https://metacpan.org/release/App-CalcAccumulatedDiscounts.

SOURCE

Source repository is at https://github.com/perlancar/perl-App-CalcAccumulatedDiscount.

BUGS

Please report any bugs or feature requests on the bugtracker website https://rt.cpan.org/Public/Dist/Display.html?Name=App-CalcAccumulatedDiscounts

When submitting a bug or request, please include a test-file or a patch to an existing test-file that illustrates the bug or desired feature.

AUTHOR

perlancar <perlancar@cpan.org>

COPYRIGHT AND LICENSE

This software is copyright (c) 2017, 2015 by perlancar@cpan.org.

This is free software; you can redistribute it and/or modify it under the same terms as the Perl 5 programming language system itself.