Rahandusfunktsioonid, 3. osa
COUPDAYBS
Returns the number of days from the first day of interest payment on a security until the settlement date.
COUPDAYBS(arvelduspÀev; tÀhtaeg; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 25.1.2001, tÀhtaeg on 15.11.2001. Intresse makstakse kord poolaasta jooksul (sagedus on 2). Mitu pÀeva on esimesest intressimaksest arvelduspÀevani, kui intressi arvutamisel on aluseks pÀevane bilanss (alus on 3)?
=COUPDAYBS("25.01.2001"; "15.11.2001"; 2; 3) tagastab 71.
COUPDAYS
Returns the number of days in the current interest period in which the settlement date falls.
COUPDAYS(arvelduspÀev; tÀhtaeg; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 25.01.2001, tÀhtaeg on 15.11.2001. Intresse makstakse kord poolaasta jooksul (sagedus on 2). Kui pikk on see intressiperiood, kuhu jÀÀb arvelduspÀev, kui intressi arvutamisel on aluseks pÀevane bilanss (alus on 3)?
=COUPDAYS("25.01.2001"; "15.11.2001"; 2; 3) tagastab 181.
COUPDAYSNC
Returns the number of days from the settlement date until the next interest date.
COUPDAYSNC(arvelduspÀev; tÀhtaeg; tagatis; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 25.01.2001, tÀhtaeg on 15.11.2001. Intresse makstakse kord poolaasta jooksul (sagedus on 2). Mitu pÀeva on jÀÀnud jÀrgmise intressimakseni, kui intressi arvutamisel on aluseks pÀevane bilanss (alus on 3)?
=COUPDAYSNC("25.01.2001"; "15.11.2001"; 2; 3) tagastab 110.
COUPNCD
Returns the date of the first interest date after the settlement date. Format the result as a date.
COUPNCD(arvelduspÀev; tÀhtaeg; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 25.1.2001, tÀhtaeg on 15.11.2001. Intresse makstakse kord poolaasta jooksul (sagedus on 2). Millal on jÀrgmise intressimakse kuupÀev, kui intressi arvutamisel on aluseks pÀevane bilanss (alus on 3)?
=COUPNCD("25.01.2001"; "15.11.2001"; 2; 3) tagastab 15.05.2001.
COUPNUM
Returns the number of coupons (interest payments) between the settlement date and the maturity date.
COUPNUM(arvelduspÀev; tÀhtaeg; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 25.01.2001, tÀhtaeg on 15.11.2001. Intresse makstakse kord poolaasta jooksul (sagedus on 2). Kui palju on intressimakse pÀevi, kui intressi arvutamisel on aluseks pÀevane bilanss (alus on 3)?
=COUPNUM("25.01.2001"; "15.11.2001"; 2; 3) tagastab 2.
COUPPCD
Returns the date of the interest date prior to the settlement date. Format the result as a date.
COUPPCD(arvelduspÀev; tÀhtaeg; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 25.1.2001, tÀhtaeg on 15.11.2001. Intresse makstakse kord poolaasta jooksul (sagedus on 2). Milline oli soetuseelse intressi kuupÀev, kui intressi arvutamisel on aluseks pÀevane bilanss (alus on 3)?
=COUPPCD("25.01.2001"; "15.11.2001"; 2; 3) tagastab 15.11.2000.
FV
Returns the future value of an investment based on periodic, constant payments and a constant interest rate (Future Value).
FV(intressimÀÀr; NPer; Pmt; PV; tĂŒĂŒp)
Rate is the periodic interest rate.
NPer on perioodide koguarv, mille jooksul makseid sooritatakse (makseperiood).
Pmt on perioodi kohta regulaarselt makstav annuiteet.
PV (optional) is the (present) cash value of an investment.
TĂŒĂŒp (mittekohustuslik) tĂ€histab makse sooritamise aega, kas perioodi algust vĂ”i lĂ”ppu
LibreOffice Calci funktsioonides vĂ”ib argumendi, mis on mĂ€rgitud kui "mittekohustuslik", jĂ€tta Ă€ra ainult siis, kui talle ei jĂ€rgne enam teisi argumente. NĂ€iteks, kui nelja argumendiga funktsiooni kaks viimast argumenti omavad mĂ€rget "mittekohustuslik", vĂ”ib Ă€ra jĂ€tta argumendi 4 vĂ”i argumendid 3 ja 4, kuid mitte argumenti 3 ĂŒksinda.
What is the value at the end of an investment if the interest rate is 4% and the payment period is two years, with a periodic payment of 750 currency units. The investment has a present value of 2,500 currency units.
=FV(4%;2;750;2500) = -4234.00 currency units. The value at the end of the investment is 4234.00 currency units.
FVSCHEDULE
Calculates the accumulated value of the starting capital for a series of periodically varying interest rates.
FVSCHEDULE(algsumma; graafik)
Algsumma on algkapital.
Graafik on intressimÀÀrade jada, nÀiteks H3:H5 vÔi {Loend} (vaata nÀidet).
1000 currency units have been invested in for three years. The interest rates were 3%, 4% and 5% per annum. What is the value after three years?
=FVSCHEDULE(1000; {0,03; 0,04; 0,05}) tagastab 1124,76.
INTRATE
Calculates the annual interest rate that results when a security (or other item) is purchased at an investment value and sold at a redemption value. No interest is paid.
INTRATE(arvelduspÀev; tÀhtaeg; hind; tagatis; alus)
Settlement is the date of purchase of the security.
TĂ€htaeg on kuupĂ€ev, mil vÀÀrtpaber mĂŒĂŒakse.
Hind on ostusumma.
Tagatis on mĂŒĂŒgihind.
A painting is bought on 1990-01-15 for 1 million and sold on 2002-05-05 for 2 million. The basis is daily balance calculation (basis = 3). What is the average annual level of interest?
=INTRATE("15.01.1990"; "05.05.2002"; 1000000; 2000000; 3) tagastab 8,12%.
IPMT
Calculates the periodic amortizement for an investment with regular payments and a constant interest rate.
IPMT(intressimÀÀr; periood; NPer; PV; FV; tĂŒĂŒp)
Rate is the periodic interest rate.
Period is the period, for which the compound interest is calculated. Period=NPER if compound interest for the last period is calculated.
NPer on perioodide koguarv, mille jooksul annuiteeti makstakse.
PV on makse nĂŒĂŒdisvÀÀrtus maksete jadas.
FV (optional) is the desired value (future value) at the end of the periods.
Type is the due date for the periodic payments.
What is the interest rate during the fifth period (year) if the constant interest rate is 5% and the cash value is 15,000 currency units? The periodic payment is seven years.
IPMT(5%;5;7;15000) = -352,97 rahaĂŒhikut. Viienda perioodi (aasta) liitintress on 352,97 rahaĂŒhikut.
NPER
Returns the number of periods for an investment based on periodic, constant payments and a constant interest rate.
NPER(intressimÀÀr; Pmt; PV; FV; tĂŒĂŒp)
Rate is the periodic interest rate.
PMT on igal perioodil makstav konstantne annuiteet.
PV on makse nĂŒĂŒdisvÀÀrtus (rahaline vÀÀrtus) maksete jadas.
FV (mittekohustuslik) on tulevikuvÀÀrtus, mis saavutatakse viimase perioodi lÔppemisel.
TĂŒĂŒp (mittekohustuslik) tĂ€histab makse sooritamise aega, kas perioodi algust vĂ”i lĂ”ppu.
LibreOffice Calci funktsioonides vĂ”ib argumendi, mis on mĂ€rgitud kui "mittekohustuslik", jĂ€tta Ă€ra ainult siis, kui talle ei jĂ€rgne enam teisi argumente. NĂ€iteks, kui nelja argumendiga funktsiooni kaks viimast argumenti omavad mĂ€rget "mittekohustuslik", vĂ”ib Ă€ra jĂ€tta argumendi 4 vĂ”i argumendid 3 ja 4, kuid mitte argumenti 3 ĂŒksinda.
How many payment periods does a payment period cover with a periodic interest rate of 6%, a periodic payment of 153.75 currency units and a present cash value of 2.600 currency units.
=NPER(6%;153,75;2600) = -12,02. Makseperioodi pikkus on 12,02 perioodi.
ODDFPRICE
Calculates the price per 100 currency units par value of a security, if the first interest date falls irregularly.
ODDFPRICE(arvelduspÀev; tÀhtaeg; emissioon; esimene intress; intressimÀÀr; tulusus; tagatis; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Emissioon on vÀÀrtpaberi vÀljaandmise kuupÀev.
Esimene intress on vÀÀrtpaberi esimese intressi kuupÀev.
IntressimÀÀr on aastane intressimÀÀr.
Tulusus on vÀÀrtpaberi aastane tulusus.
Tagatis on tagatisvÀÀrtus 100 nimivÀÀrtuse ĂŒhiku kohta.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
ODDFYIELD
Calculates the yield of a security if the first interest date falls irregularly.
ODDFYIELD(arvelduspÀev; tÀhtaeg; emissioon; esimene intress; intressimÀÀr; hind; tagatis; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Emissioon on vÀÀrtpaberi vÀljaandmise kuupÀev.
Esimene intress on vÀÀrtpaberi esimese intressi kuupÀev.
IntressimÀÀr on aastane intressimÀÀr.
Hind on vÀÀrtpaberi hind.
Tagatis on tagatisvÀÀrtus 100 nimivÀÀrtuse ĂŒhiku kohta.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
ODDLPRICE
Calculates the price per 100 currency units par value of a security, if the last interest date falls irregularly.
ODDLPRICE(arvelduspÀev; tÀhtaeg; viimane intress; intressimÀÀr; tulusus; tagatis; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Viimane intress on vÀÀrtpaberi viimase intressi kuupÀev.
IntressimÀÀr on aastane intressimÀÀr.
Tulusus on vÀÀrtpaberi aastane tulusus.
Tagatis on tagatisvÀÀrtus 100 nimivÀÀrtuse ĂŒhiku kohta.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
Settlement date: February 7 1999, maturity date: June 15 1999, last interest: October 15 1998. Interest rate: 3.75 per cent, yield: 4.05 per cent, redemption value: 100 currency units, frequency of payments: half-yearly = 2, basis: = 0
The price per 100 currency units per value of a security, which has an irregular last interest date, is calculated as follows:
=ODDLPRICE("07.02.1999";"15.06.1999";"15.10.1998"; 0,0375; 0,0405;100;2;0) tagastab 99,87829.
ODDLYIELD
Calculates the yield of a security if the last interest date falls irregularly.
ODDLYIELD(arvelduspÀev; tÀhtaeg; viimane intress; intressimÀÀr; hind; tagatis; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Viimane intress on vÀÀrtpaberi viimase intressi kuupÀev.
IntressimÀÀr on aastane intressimÀÀr.
Hind on vÀÀrtpaberi hind.
Tagatis on tagatisvÀÀrtus 100 nimivÀÀrtuse ĂŒhiku kohta.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
Settlement date: April 20 1999, maturity date: June 15 1999, last interest: October 15 1998. Interest rate: 3.75 per cent, price: 99.875 currency units, redemption value: 100 currency units, frequency of payments: half-yearly = 2, basis: = 0
The yield of the security, that has an irregular last interest date, is calculated as follows:
=ODDLYIELD("20.04.1999";"15.06.1999"; "15.10.1998"; 0,0375; 99,875; 100;2;0) tagastab 0,044873 ehk 4,4873%.
RATE
Tagastab annuiteedi perioodi konstantse intressimÀÀra.
RATE(NPer; pmt; PV; FV; tĂŒĂŒp; prognoos)
NPer on perioodide koguarv, mille jooksul makseid sooritatakse (makseperiood).
Pmt on iga perioodi konstantne makse (annuiteet).
PV on makse nĂŒĂŒdisvÀÀrtus maksete jadas.
FV (mittekohustuslik) on tulevikuvÀÀrtus, milleni jÔutakse pÀrast viimase makse tegemist.
TĂŒĂŒp (mittekohustuslik) tĂ€histab makse sooritamise aega, kas perioodi algust vĂ”i lĂ”ppu.
Prognoos (mittekohustuslik) mÀÀrab intressimÀÀra ennustatava vÀÀrtuse iteratiivse arvutuse jaoks.
LibreOffice Calci funktsioonides vĂ”ib argumendi, mis on mĂ€rgitud kui "mittekohustuslik", jĂ€tta Ă€ra ainult siis, kui talle ei jĂ€rgne enam teisi argumente. NĂ€iteks, kui nelja argumendiga funktsiooni kaks viimast argumenti omavad mĂ€rget "mittekohustuslik", vĂ”ib Ă€ra jĂ€tta argumendi 4 vĂ”i argumendid 3 ja 4, kuid mitte argumenti 3 ĂŒksinda.
What is the constant interest rate for a payment period of 3 periods if 10 currency units are paid regularly and the present cash value is 900 currency units.
=RATE(3;-10;900) = -75.63% The interest rate is therefore 75.63%.
RRI
Arvutab investeeringu kasumist tuleneva tulumÀÀra.
RRI(P; PV; FV)
P on perioodide arv intressimÀÀra arvutamisel.
PV is the present (current) value. The cash value is the deposit of cash or the current cash value of an allowance in kind. As a deposit value a positive value must be entered; the deposit must not be 0 or <0.
FV determines what is desired as the cash value of the deposit.
For four periods (years) and a cash value of 7,500 currency units, the interest rate of the return is to be calculated if the future value is 10,000 currency units.
=RRI(4;7500;10000) = 7,46 %
The interest rate must be 7.46 % so that 7,500 currency units will become 10,000 currency units.
VDB
Returns the depreciation of an asset for a specified or partial period using a variable declining balance method.
VDB(Cost; Salvage; Life; S; End; Factor; NoSwitch)
Maksumus on pÔhivahendi soetusmaksumus.
JÀÀkvÀÀrtus on pÔhivahendi vÀÀrtus pÀrast tema eluea lÔppu.
Eluiga on aeg, mille jooksul pÔhivahendi amortisatsiooni arvestatakse.
Algus on aeg, millest alates amortisatsiooni arvestatakse. Algus peab olema sisestatud samades ajaĂŒhikutes, milles eluiga.
LÔpp on amortisatsiooni arvutamise lÔpp.
Faktor (mittekohustuslik) on tegur, mida rakendatakse amortisatsioonimÀÀrale. Faktor=2 puhul on tegu topeltkahaneva amortisatsiooniga.
NoSwitchis an optional parameter. NoSwitch = 0 (default) means a switch to linear depreciation. In NoSwitch = 1 no switch is made.
LibreOffice Calci funktsioonides vĂ”ib argumendi, mis on mĂ€rgitud kui "mittekohustuslik", jĂ€tta Ă€ra ainult siis, kui talle ei jĂ€rgne enam teisi argumente. NĂ€iteks, kui nelja argumendiga funktsiooni kaks viimast argumenti omavad mĂ€rget "mittekohustuslik", vĂ”ib Ă€ra jĂ€tta argumendi 4 vĂ”i argumendid 3 ja 4, kuid mitte argumenti 3 ĂŒksinda.
What is the declining-balance double-rate depreciation for a period if the initial cost is 35,000 currency units and the value at the end of the depreciation is 7,500 currency units. The depreciation period is 3 years. The depreciation from the 10th to the 20th period is calculated.
=VDB(35000;7500;36;10;20;2) = 8603.80 currency units. The depreciation during the period between the 10th and the 20th period is 8,603.80 currency units.
XIRR
Calculates the internal rate of return for a list of payments which take place on different dates. The calculation is based on a 365 days per year basis, ignoring leap years.
If the payments take place at regular intervals, use the IRR function.
XIRR(vÀÀrtused; kuupÀevad; prognoos)
Values and Dates refer to a series of payments and the series of associated date values. The first pair of dates defines the start of the payment plan. All other date values must be later, but need not be in any order. The series of values must contain at least one negative and one positive value (receipts and deposits).
Prognoos (mittekohustuslik) on ennustatav sisemine tagastusmÀÀr. Vaikeprognoos on 10%.
Calculation of the internal rate of return for the following five payments:
|
A |
B |
C |
|
|
1 |
2001-01-01 |
-10000 |
Saadud |
|
2 |
2001-01-02 |
2000 |
Hoiustatud |
|
3 |
2001-03-15 |
2500 |
|
|
4 |
2001-05-12 |
5000 |
|
|
5 |
2001-08-10 |
1000 |
=XIRR(B1:B5; A1:A5; 0.1) tagastab 0,1828.
XNPV
Calculates the capital value (net present value) for a list of payments which take place on different dates. The calculation is based on a 365 days per year basis, ignoring leap years.
If the payments take place at regular intervals, use the NPV function.
XNPV(mÀÀr; vÀÀrtused; kuupÀevad)
MÀÀr on maksete sisemine tulumÀÀr.
Values and Dates refer to a series of payments and the series of associated date values. The first pair of dates defines the start of the payment plan. All other date values must be later, but need not be in any order. The series of values must contain at least one negative and one positive value (receipts and deposits)
Calculation of the net present value for the above-mentioned five payments for a national internal rate of return of 6%.
=XNPV(0,06; B1:B5; A1:A5) tagastab 323,02.