Month Opening Balance Deposits Withdrawal Closing Balance Interest

1 0 500 0 500.00 0.00

2 500.00 500 0 1000.00 0.35
3 1000.35 500 800 700.35 0.71
4 701.06 500 0 1201.06 0.50
5 1201.56 500 1250 451.56 0.85
6 452.41 500 952.41 0.32
7 952.73 2000 2952.73 0.67
8 2953.41 500 3453.41 2.09
9 3455.50 500 3955.50 2.45

Month Multiplication Factor 0.001666667

1 2.2203587764
2 2.2166643359
3 2.2129760425
4 2.209293886
5 2.2056178562
6 2.201947943
7 2.1982841361
8 2.1946264254
9 2.1909748007
10 2.187329252
11 2.183689769
12 2.1800563418
13 2.1764289602
14 2.1728076142
15 2.1691922937
16 2.1655829887
17 2.1619796892
18 2.1583823852
19 2.1547910668
20 2.1512057239
21 2.1476263467
22 2.1440529251
23 2.1404854494
24 2.1369239095
25 2.1333682957
26 2.129818598
27 2.1262748067
28 2.1227369118
29 2.1192049037
30 2.1156787724
31 2.1121585082
32 2.1086441014
33 2.1051355421
34 2.1016328208
35 2.0981359275
36 2.0946448528
37 2.0911595868
38 2.0876801199
39 2.0842064425
40 2.080738545
41 2.0772764176
42 2.0738200509
43 2.0703694351
44 2.0669245609
45 2.0634854185
46 2.0600519985
47 2.0566242913
48 2.0532022875
49 2.0497859776
50 2.046375352
51 2.0429704013
52 2.0395711161
53 2.036177487
54 2.0327895045
55 2.0294071592
56 2.0260304418
57 2.0226593429
58 2.0192938531
59 2.0159339632
60 2.0125796638
61 2.0092309455
62 2.0058877992
63 2.0025502155
64 1.9992181852
65 1.995891699
66 1.9925707478
67 1.9892553222
68 1.9859454132
69 1.9826410115
70 1.979342108
71 1.9760486935
72 1.9727607589
73 1.9694782951
74 1.966201293
75 1.9629297434
76 1.9596636373
 77 1.9564029657
78 1.9531477195
79 1.9498978897
80 1.9466534672
81 1.9434144432
82 1.9401808085
83 1.9369525542
84 1.9337296714
85 1.9305121512
86 1.9272999846
87 1.9240931626
88 1.9208916765
89 1.9176955173
90 1.9145046762
91 1.9113191443
92 1.9081389127
93 1.9049639728
94 1.9017943156
95 1.8986299324
96 1.8954708143
97 1.8923169528
98 1.8891683389
99 1.8860249639
100 1.8828868192
101 1.8797538961
102 1.8766261858
103 1.8735036796
104 1.870386369
105 1.8672742453
106 1.8641672998
107 1.8610655239
108 1.857968909
109 1.8548774466
110 1.8517911281
111 1.8487099448
112 1.8456338884
113 1.8425629501
114 1.8394971216
115 1.8364363943
116 1.8333807597
117 1.8303302093
118 1.8272847347
119 1.8242443275
120 1.8212089792
121 1.8181786814
122 1.8151534257
123 1.8121332037
124 1.809118007
125 1.8061078273
126 1.8031026562
127 1.8001024854
128 1.7971073066
129 1.7941171114
130 1.7911318916
131 1.7881516388
132 1.7851763449
133 1.7822060016
134 1.7792406006
135 1.7762801337
136 1.7733245927
137 1.7703739694
138 1.7674282557
139 1.7644874433
140 1.7615515241
141 1.7586204899
142 1.7556943327
143 1.7527730443
144 1.7498566166
145 1.7469450415
146 1.744038311
147 1.741136417
148 1.7382393514
149 1.7353471062
150 1.7324596734
151 1.729577045
152 1.726699213
153 1.7238261694
154 1.7209579062
155 1.7180944155
156 1.7152356894
157 1.7123817198
158 1.709532499
159 1.706688019
160 1.7038482718
161 1.7010132498
162 1.6981829449
163 1.6953573493
164 1.6925364552
165 1.6897202548
166 1.6869087402
167 1.6841019037
168 1.6812997375
169 1.6785022337
170 1.6757093848
171 1.6729211828
172 1.6701376201
173 1.6673586889
174 1.6645843816
175 1.6618146905
176 1.6590496078
177 1.6562891259
178 1.6535332372
179 1.650781934
180 1.6480352086
181 1.6452930535
182 1.6425554611
183 1.6398224237
184 1.6370939338
185 1.6343699839
186 1.6316505663
187 1.6289356735
188 1.626225298
189 1.6235194323
190 1.6208180688
191 1.6181212001
192 1.6154288188
193 1.6127409172
194 1.6100574881
195 1.6073785239
196 1.6047040172
197 1.6020339606
198 1.5993683467
199 1.5967071681
200 1.5940504174
201 1.5913980872
202 1.5887501703
203 1.5861066592
204 1.5834675466
205 1.5808328252
206 1.5782024877
207 1.5755765269
208 1.5729549353
209 1.5703377058
210 1.5677248311
211 1.5651163039
212 1.562512117
213 1.5599122633
214 1.5573167354
215 1.5547255262
216 1.5521386285
217 1.5495560351
218 1.5469777388
219 1.5444037326
220 1.5418340093
221 1.5392685617
222 1.5367073827
223 1.5341504652
224 1.5315978022
225 1.5290493866
226 1.5265052112
227 1.5239652691
228 1.5214295532
229 1.5188980565
230 1.5163707718
231 1.5138476923
232 1.511328811
233 1.5088141208
234 1.5063036148
235 1.503797286
236 1.5012951274
237 1.4987971322
238 1.4963032934
239 1.493813604
240 1.4913280573
241 1.4888466462
242 1.4863693639
243 1.4838962036
244 1.4814271583
245 1.4789622213
246 1.4765013856
247 1.4740446446
248 1.4715919912
249 1.4691434189
250 1.4666989207
251 1.4642584899
252 1.4618221197
253 1.4593898033
254 1.4569615341
255 1.4545373053
256 1.4521171101
257 1.4497009418
258 1.4472887938
259 1.4448806594
260 1.4424765319
261 1.4400764045
262 1.4376802707
263 1.4352881239
264 1.4328999573
265 1.4305157643
266 1.4281355384
267 1.425759273
268 1.4233869614
269 1.421018597
270 1.4186541734
271 1.4162936839
272 1.4139371221
273 1.4115844813
274 1.409235755
275 1.4068909368
276 1.4045500201
277 1.4022129984
278 1.3998798653
279 1.3975506143
280 1.3952252389
281 1.3929037327
282 1.3905860892
283 1.388272302
284 1.3859623647
285 1.383656271
286 1.3813540143
287 1.3790555883
288 1.3767609866
289 1.374470203
290 1.3721832309
291 1.3699000641
292 1.3676206963
293 1.3653451211
294 1.3630733322
295 1.3608053234
296 1.3585410882
297 1.3562806205
298 1.354023914
299 1.3517709624
300 1.3495217595
301 1.347276299
302 1.3450345747
303 1.3427965804
304 1.3405623098
305 1.3383317569
306 1.3361049154
307 1.3338817791
308 1.3316623419
309 1.3294465975
310 1.32723454
311 1.325026163
312 1.3228214606
313 1.3206204265
314 1.3184230548
315 1.3162293392
316 1.3140392738
317 1.3118528523
318 1.3096700689
319 1.3074909174
320 1.3053153917
321 1.3031434859
322 1.3009751939
323 1.2988105097
324 1.2966494274
325 1.2944919408
326 1.292338044
327 1.2901877312
328 1.2880409962
329 1.2858978331
330 1.2837582361
331 1.2816221991
332 1.2794897162
333 1.2773607816
334 1.2752353892
335 1.2731135334
336 1.270995208
337 1.2688804073
338 1.2667691255
339 1.2646613565
340 1.2625570947
341 1.2604563341
342 1.258359069
343 1.2562652935
344 1.2541750019
345 1.2520881882
346 1.2500048468
347 1.2479249719
348 1.2458485576
349 1.2437755983
350 1.2417060881
351 1.2396400214
352 1.2375773924
353 1.2355181954
354 1.2334624247
355 1.2314100746
356 1.2293611394
357 1.2273156133
358 1.2252734909
359 1.2232347663
360 1.2211994339
361 1.219167488
362 1.2171389232
363 1.2151137336
364 1.2130919138
365 1.211073458
366 1.2090583607
367 1.2070466164
368 1.2050382193
369 1.2030331641
370 1.201031445
371 1.1990330566
372 1.1970379932
373 1.1950462495
374 1.1930578198
375 1.1910726986
376 1.1890908805
377 1.1871123599
378 1.1851371313
379 1.1831651894
380 1.1811965285
381 1.1792311432
382 1.1772690282
383 1.1753101779
384 1.1733545869
385 1.1714022498
386 1.1694531612
387 1.1675073157
388 1.1655647079
389 1.1636253323
390 1.1616891837
391 1.1597562566
392 1.1578265457
393 1.1559000456
394 1.153976751
395 1.1520566566
396 1.150139757
397 1.1482260469
398 1.146315521
399 1.1444081741
400 1.1425040007
401 1.1406029958
402 1.1387051538
403 1.1368104697
404 1.1349189381
405 1.1330305539
406 1.1311453117
407 1.1292632064
408 1.1273842326
409 1.1255083853
410 1.1236356592
411 1.1217660492
412 1.1198995499
413 1.1180361563
414 1.1161758632
415 1.1143186654
416 1.1124645578
417 1.1106135353
418 1.1087655926
419 1.1069207247
420 1.1050789265
421 1.1032401929
422 1.1014045187
423 1.0995718988
424 1.0977423283
425 1.095915802
426 1.0940923148
427 1.0922718617
428 1.0904544376
429 1.0886400375
430 1.0868286564
431 1.0850202893
432 1.0832149311
433 1.0814125768
434 1.0796132214
435 1.07781686
436 1.0760234875
 437 1.074233099
438 1.0724456895
439 1.0706612541
440 1.0688797878
441 1.0671012856
442 1.0653257427
443 1.0635531542
444 1.061783515
445 1.0600168203
446 1.0582530652
447 1.0564922447
448 1.0547343542
449 1.0529793885
450 1.0512273429
451 1.0494782126
452 1.0477319926
453 1.0459886781
454 1.0442482644
455 1.0425107464
456 1.0407761196
457 1.0390443789
458 1.0373155197
459 1.0355895372
460 1.0338664265
461 1.0321461828
462 1.0304288015
463 1.0287142777
464 1.0270026067
465 1.0252937837
466 1.023587804
467 1.0218846629
468 1.0201843557
469 1.0184868776
470 1.0167922238
471 1.0151003899
472 1.0134113709
473 1.0117251623
474 1.0100417594
475 1.0083611574 Year Dividend Value
476 1.0066833519 2015 1.5525
477 1.005008338 2016 1.6068
478 1.0033361111 2017 1.6631
479 1.0016666667 2018 1.7213
480 1 2019 onwards 43.6
Total 734.4356246335 Total
Total Amount 0.000708
500.00
1000.35
701.06
1201.56
452.41
952.73
2953.41
3455.50
3957.95
Present Value
1.48
1.46
1.44
1.42
34.18
39.97
 420000
Date Payment ($)Principal ($)Interest ($)Total Interest ($)Balance ($)
Jan-15 1370.26 985.26 385.00 385.00 419014.74
Feb-15 1370.26 986.16 384.10 769.10 418028.58
Mar-15 1370.26 987.07 383.19 1152.29 417041.51
Apr-15 1370.26 987.97 382.29 1534.58 416053.54
May-15 1370.26 988.88 381.38 1915.96 415064.66
Jun-15 1370.26 989.78 380.48 2296.44 414074.88
Jul-15 1370.26 990.69 379.57 2676.00 413084.18
Aug-15 1370.26 991.60 378.66 3054.67 412092.59
Sep-15 1370.26 992.51 377.75 3432.42 411100.08
Oct-15 1370.26 993.42 376.84 3809.26 410106.66
Nov-15 1370.26 994.33 375.93 4185.19 409112.33
Dec-15 1370.26 995.24 375.02 4560.21 408117.09

0.00125

510.14636

1446.98
1.544543
0.544543
2.836401
Year Cash Inflow ($) Cash Outflow ($) Net cashflow ($) PV of net cashflow ($)
0 0 40,000 -40,000 -40000
1 10,000 0 10,000 9,389.67
2 10,500 0 10,500 9,257.42
3 11,025 0 11,025 9,127.04
4 27,127.5 0.0 27,127.5 21,086.83
NPV 8,860.96

Year Cash Inflow ($) Cash Outflow ($) Net cashflow ($) PV of net cashflow ($)
0 0 25,000 -25,000 -25000
1 0 0 0 0.00
2 0 0 0 0.00
3 0 0 0 0.00
4 42,000 0 42,000 32,647.57
NPV 7,647.57
 0.06315 0.14365
0.065
Year Cash Inflow ($) Cash Outflow ($) Net cashflow ($)
0 0 40,000 -40,000
1 10,000 0 10,000
2 10,500 0 10,500
3 11,025 0 11,025
4 27,127.5 0.0 27,127.5
NPV

Time Cash Inflow ($) Cash Outflow ($) Net cashflow ($)
Dec-14 0 19,000 -19,000
Jun-15 1,100 0 1,100
Dec-15 1,100 0 1,100
Jun-16 1,100 0 1,100
Dec-16 1,100 0 1,100
Jun-17 1,100 0 1,100
Dec-17 1,100 0 1,100
Jun-18 1,100 0 1,100
Dec-18 21,100 0 21,100
NPV
PV of net cashflow ($)
-40,000
8,744
8,028
7,371
15,858
0

PV of net cashflow ($)

-19,000
1,035
973
915
861
810
762
717
12,928
0
 Year SmartTech Returns Deviation Square
2008 4.6
2009 4.15 -0.097826087 0.0544590662
2010 3.98 -0.040963855 0.0311531085
2011 4.8 0.2060301508 0.004969062
2012 5.2 0.0833333333 0.0027253874
2013 5.5 0.0576923077 0.0060600416
2014 5.1 -0.072727273 0.043374664

Average Return 0.135538577

Variance 0.023790222 Std deviation 0.1542407911

Year GoingPlaces Returns Deviation Square

2008 10.6
2009 12.6 0.1886792453 0.0028239307
2010 13 0.0317460317 0.0107728924
2011 14.9 0.1461538462 0.0001126839
2012 15.32 0.0281879195 0.0115241636
2013 16 0.044386423 0.0083087151
2014 15.5 -0.03125 0.0278184293

Average Return 0.407903466

Variance 0.010226803 Std deviation 0.1011276545

Year TopFinance Returns Deviation Square

2008 21
2009 21.5 0.0238095238 0.0124833813
2010 20.4 -0.051162791 0.0348574006
2011 20.25 -0.007352941 0.0204179859
2012 19 -0.061728395 0.0389142581
2013 19.88 0.0463157895 0.0079607058
2014 18 -0.094567404 0.0529487625

Average Return -0.144686218

Variance 0.027930416 Std deviation 0.1671239531
0.175469
0.190299
0.667905