Manual for sheet for investment with deposits month by month
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Please load the version you need:

VL.TCD for use with TurboCalc 3.5+ (maybe earlier, too)
VL.slk (SYLK-Format for use with other spreadsheets)


In  cell  A1  is the title.  For XX you can insert needed names.  These are the
kind of fonds, the name of it, the company and bank, too.

example:
Performance  of  the value for the fonds Weka-Nord (Corporation Nord-Invest) on
Vereins- und Westbank.

In  cell  A5  you  should insert number of shares, which you called.  There are
possibilities  for  sharing parts, and therefore no integer value in this cell.
The  number  of  shares  you  should  take  from  the  notices you get from the
corporation  of managing fonds.  The computation of the actual number of shares
isn't possible at the moment.  At the SYLK format no settings for the structure
of numerical values were imported.

In  cell  B5  (yellow  cell) you should regularly insert the actual value for a
share  (in  Euro)  for  getting  a real calculation.  Of course, that means the
value  for  cash out shares.  This cell is the only one, which you have to hold
in  current status by yourself.  The entries in all other cells are only to set
by start or should only be actualized sporadicly.  In cell B6 the value appears
in your currency.

For  all  currency  labels  in  this  sheet:   After  the value the abbreviated
currency  name  is shown.  You should change it, if you use another currency as
the  default  (EUR,  DM), because it's only normal text.  In this case you only
have  to  change  the  text  in  cells  C5/C6.   All  other  texts  are updated
automatically.

In  cell  I10  you  should  insert the exchange factor for your currency.  This
value  describes  how  much  of your currency are 1 Euro.  The default value is
1.95583 for German marks (DM).

In  cell A10 you should insert value of monthly deposit (in Euro).  In cell A11
the same value is appearing for your local currency.

In cell D5 the date for start of investment needed.

In  cell F5 you should insert the date, where the number of shares (cell A5) is
reached.   It's  not possible to compute the number of shares call every month.
So you need this entry.

In cell H5 appears the current date.

In cell D10 you should insert the appropriate costs of your depot (in %).

example: 0.00125 means 0.125% (1 means 100%)

At SYLK format no settings for structure of numerical values were imported, and
so  in  this  cell  appears  the  decimal  instead  of  the percent value, p.e.
0.00125.

In cell D11 you should insert the counts of paying these costs during one year.
(usual values are 4 to payment per quarter).

In cell F10 you should insert the appropriate costs for the managing (in%).

example: 0.00125 means 0.125% (1 means 100%)

In cell F11 you should insert the counts of paying these costs during one year.
(usual values are 4 to payment per quarter).

If  there  are  no  such  costs  needed  for  your investment, or these already
calculate  into  the  performance, then you should insert 0% in the appropriate
cell.

In  cell  H10 the tax rate is needed.  In Germany the tax for cash out is about
30.5%.   There  is  a  small amount of cash out, which is free of tax (999 DM).
Please contact me for other values or calculation models for your country.

In cell H11 the amount of cash out is needed, which is free of tax.  In Germany
there are 999 DM.

In cell B16 the total amount of money for monthly calls (in Euro) is given.  In
cell B17 is the same value for your currency.

In  cell  D16  the current amount of the investment (in Euro) appears.  That is
the value you get by put today.  The value is refered to the shares in cell A5.
It's  not  the  real  actual amount of the investment.  In cell D17 is the same
value for your currency.

In  cell  F16  the  current  amount  of the investment after taxation (in Euro)
appears.   That  is  the value you get by put today, and have to give a part to
your  government.  The value is refered to the shares in cell A5.  It's not the
real  actual  amount of the investment.  In cell F17 is the same value for your
currency.

In  cell I5 the true profit (in %) is given.  There are already all appropriate
costs included.

In  cell  J5  appears  the  yearly  "interest rate".  Because a fonds of stocks
doesn't  cash  out an interest rate, I "invented" this value to compare it with
normal  straight bonds.  This value describes the theoretical interest rate for
a  straight bond with the same tribute as the appropriate fonds.  This value is
highly accurate and a very good thing for comparing.


November '99