Income and Growth Report
The report is used to analyze the Income (Distributions, Dividend, Interest) and the Growth
(in overall value) with deposits and withdrawals in between start date and end date.
Based on the start date and end date, the report has been categorized in five (5) major sections.
The further sub-categories are based on return calculation which can be:
● Absolute: Absolute return is the return that an asset achieves over a certain period. This
majorly looks at the appreciation or depreciation, expressed as a percentage, that an asset
such as a stock or a mutual fund achieves over a given period.
● Annualized: An annualized total return is the geometric average amount of money earned
by an investment each year over a given time period. It is calculated as a geometric
average to show what an investor would earn over a period if the annual return was
compounded.
● XIRR: This is generally used for calculating the internal rate of return or annualized yield for
cash flows occurring at irregular intervals.
All the above can be handled in “column selection” option in our scope of revisiting Investment
Report.
An overview of the Report
Image 1. Income and Growth Report overview
Data Description
● Platform: This includes the name of the platform if the investment is through a platform,
else it comes as Direct Investment. Eg. Accelerator Personal Superannuation Plan
● Type: This categorizes the different type of assets like Managed Fund, Bank Deposit,
Equity etc.
● Investment Code: This column includes the unique identification code associated with the
type of asset which can either be an APIR or an ASX code. Eg. PER0494AU
● Asset name: Name of the asset held by the entity. Eg. Beta shares Australian High Interest
Cash ETF - Exchange Traded Fund Units Fully Paid
● Units at the start: Number of units at the start date of the particular asset (Number)
● Price at the start: Unit Price of the asset on start date (Dollar)
● Value at the start: Total Value of the asset at the start date (Dollar). This is calculated by
multiplying the No. of units of an asset with the unit price of the asset.
Eg: A client holds 10 units of an asset whose unit price is $10
therefore value of asset for this client = $(10x10) = $100
● Additions: Total Value addition in Dollars between the Start date and End date
● Withdrawals: Total withdrawal Value in Dollars between the Start date and End date
● Units at End: Number of units at the end date of the particular asset
● Price at End: Unit Price of the asset on end date Dollar
● Value at End: Total Value of the asset at End date (Dollar). This is calculated by
multiplying the No. of units of an asset with the unit price of the asset.
Eg: A client holds 10 units of an asset whose unit price at the end is $12
therefore value of asset for this client = $(10x12) = $120
● Income: Distribution of Income, Interest or Dividend. This considers all "Distribute Income"
type transaction between Start and End date of a particular asset.
● Income and Growth: Increase/Decrease in overall value of the asset including income.
Income and Growth = (Value at End date - Value at Start Date -
(Additions -Withdrawals) + Total Income Received)
● Actual RoR: Growth in value without taking Time Value of Money
Eg: Total value of income and growth = $150
Value at start date = $120
Thus Actual RoR = (150/120) x100 = 12.5%
● Annualized RoR: Year on year growth of asset calculated using CAGR.
The CAGR formula = (End Value/Start Value) ^(1/Years)-1,
where End Value / Start Value = 1 + Growth Rate and n=1/Years or n=365/Days
● XIRR RoR: Time-weighted average growth of the assets in percentage where time value of
money is also taken into consideration.
Graphical Representation
Duration Band to show the water flow chart
Source: https://www.investopedia.com
https://www.vertex42.com/Calculators/cagr-calculator.html
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