{"id":530,"date":"2017-05-01T03:41:18","date_gmt":"2017-05-01T03:41:18","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=530"},"modified":"2019-11-13T01:20:23","modified_gmt":"2019-11-13T01:20:23","slug":"direct-plans-nav-calculation","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/direct-plans-nav-calculation\/","title":{"rendered":"Don&#8217;t let your investment broker fool you!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69ecb607d17df\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69ecb607d17df\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/direct-plans-nav-calculation\/#Breaking_down_a_simple_NAV_calculation_of_Direct_Plans_vs_Regular_Plans\" title=\"Breaking down a simple NAV calculation of Direct Plans vs Regular Plans\">Breaking down a simple NAV calculation of Direct Plans vs Regular Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/direct-plans-nav-calculation\/#Directs_Plans_investments_get_better_with_time\" title=\"Directs Plans investments get better with time\">Directs Plans investments get better with time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/direct-plans-nav-calculation\/#Investing_Simplified\" title=\"Investing Simplified\">Investing Simplified<\/a><\/li><\/ul><\/nav><\/div>\n<figure id=\"attachment_591\" aria-describedby=\"caption-attachment-591\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"wp-image-591 size-large\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/DirectPlanvsRegularPlanNAV-1-1024x682.jpg\" alt=\"Comparison of NAV movement between Direct Plans and Regular Plans\" width=\"1024\" height=\"682\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/DirectPlanvsRegularPlanNAV-1-1024x682.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/DirectPlanvsRegularPlanNAV-1-300x200.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/DirectPlanvsRegularPlanNAV-1-768x512.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/DirectPlanvsRegularPlanNAV-1.jpg 1334w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption id=\"caption-attachment-591\" class=\"wp-caption-text\">Direct Plans are better for you<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Some brokers tell investors that Direct Plans are more Expensive than Regular Plans and it is not advisable to invest in them.\u00a0 Please do not fall for this argument! <strong>Direct Plans are better for you<\/strong>. We will take you through an illustrative Direct Plans NAV calculation and compare it to a Regular Plan.<\/p>\n<p>Say\u00a0I invest Rs 100,000 in the Regular Plan and Rs 100,000 in the Direct Plan of a new scheme both at an NAV of Rs 100. So I get 1000 units of both the Regular Plan and the Direct Plan of the scheme in my investment account.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Breaking_down_a_simple_NAV_calculation_of_Direct_Plans_vs_Regular_Plans\"><\/span><strong>Breaking down a simple NAV calculation of Direct Plans vs Regular Plans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Let\u2019s see what happens to each of these Rs 1,00,000 investments. For simplification, we assume all\u00a0the expenses incurred by the fund are divided into two broad heads Fund Expenses and Commissions. Fund Expenses include items like fund manager salaries, office rent, electricity, marketing costs etc incurred by the Mutual Fund company to collect funds from investors and manage this money. Assume this be around 1% of AUM. Commissions includes anything that gets paid to the distributor for collecting money from investors such as you and I. Assume this be around 1.5% of AUM.<\/p>\n<p>Now let\u2019s look at the NAV calculation for my Regular Plan and Direct Plan investment.<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"294\"><\/td>\n<td style=\"text-align: right;\" width=\"114\"><strong>REGULAR<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"90\"><strong>DIRECT<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"84\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Initial NAV<\/td>\n<td style=\"text-align: right;\" width=\"114\">100<\/td>\n<td style=\"text-align: right;\" width=\"90\">100<\/td>\n<td width=\"84\"><\/td>\n<\/tr>\n<tr>\n<td width=\"294\">No of Units purchased<\/td>\n<td style=\"text-align: right;\" width=\"114\">1,000<\/td>\n<td style=\"text-align: right;\" width=\"90\">1,000<\/td>\n<td width=\"84\"><\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Initial Investment<\/td>\n<td style=\"text-align: right;\" width=\"114\">100,000<\/td>\n<td style=\"text-align: right;\" width=\"90\">100,000<\/td>\n<td width=\"84\"><\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Add: Returns on the investment<\/td>\n<td style=\"text-align: right;\" width=\"114\">12,000<\/td>\n<td style=\"text-align: right;\" width=\"90\">12,000<\/td>\n<td width=\"84\"><\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Less: Fund Expenses<\/td>\n<td style=\"text-align: right;\" width=\"114\">1,000<\/td>\n<td style=\"text-align: right;\" width=\"90\">1,000<\/td>\n<td width=\"84\"><\/td>\n<\/tr>\n<tr>\n<td width=\"294\"><strong><span style=\"color: #ff0000;\">Less: Commissions<\/span><\/strong><\/td>\n<td style=\"text-align: right;\" width=\"114\"><strong><span style=\"color: #ff0000;\">1,500<\/span><\/strong><\/td>\n<td style=\"text-align: right;\" width=\"90\"><span style=\"color: #ff0000;\">\u00a0<\/span><\/td>\n<td style=\"text-align: right;\" width=\"84\"><\/td>\n<\/tr>\n<tr>\n<td width=\"294\"><\/td>\n<td style=\"text-align: right;\" width=\"114\">1,09,500<\/td>\n<td style=\"text-align: right;\" width=\"90\">1,11,000<\/td>\n<td width=\"84\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" width=\"294\">Divide by Number of Units<\/td>\n<td style=\"text-align: right;\" width=\"114\">1,000<\/td>\n<td style=\"text-align: right;\" width=\"90\">1,000<\/td>\n<td style=\"text-align: right;\" width=\"84\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" width=\"294\"><strong>NAV at the end of 1 year<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"114\"><strong>109.5<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"90\"><strong>111.0<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"84\"><strong>1.36%<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>As you can see, the NAV of the Direct Plan is higher because they do not have commission expenses. So don\u2019t listen to these false arguments against Direct Plans.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Directs_Plans_investments_get_better_with_time\"><\/span><strong>Directs Plans investments get better with time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Let&#8217;s look at it in another way. Suppose I invest in the Regular and Direct plan at the end of year one. I\u2019ll be buying the Regular Plan at 109.5 and the Direct Plan at 111.0. Let\u2019s see what happens to both of my investments in 10 years.<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"270\"><\/td>\n<td style=\"text-align: right;\" width=\"134\"><strong>REGULAR<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"105\"><strong>DIRECT<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"92\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"270\">Initial NAV<\/td>\n<td style=\"text-align: right;\" width=\"134\">109.5<\/td>\n<td style=\"text-align: right;\" width=\"105\">111.0<\/td>\n<td style=\"text-align: right;\" width=\"92\"><\/td>\n<\/tr>\n<tr>\n<td width=\"270\">No of Units purchased<\/td>\n<td style=\"text-align: right;\" width=\"134\">913.24<\/td>\n<td style=\"text-align: right;\" width=\"105\">900.90<\/td>\n<td width=\"92\"><\/td>\n<\/tr>\n<tr>\n<td width=\"270\">Initial Investment<\/td>\n<td style=\"text-align: right;\" width=\"134\">100,000<\/td>\n<td style=\"text-align: right;\" width=\"105\">100,000<\/td>\n<td width=\"92\"><\/td>\n<\/tr>\n<tr>\n<td width=\"270\">Add: Returns on the investment<\/td>\n<td style=\"text-align: right;\" width=\"134\">210,585<\/td>\n<td style=\"text-align: right;\" width=\"105\">210,585<\/td>\n<td width=\"92\"><\/td>\n<\/tr>\n<tr>\n<td width=\"270\">Less: Fund Expenses<\/td>\n<td style=\"text-align: right;\" width=\"134\">29,440<\/td>\n<td style=\"text-align: right;\" width=\"105\">29,440<\/td>\n<td style=\"text-align: right;\" width=\"92\"><\/td>\n<\/tr>\n<tr>\n<td width=\"270\">Less: Commissions<\/td>\n<td style=\"text-align: right;\" width=\"134\">38,640<\/td>\n<td style=\"text-align: right;\" width=\"105\"><\/td>\n<td width=\"92\"><\/td>\n<\/tr>\n<tr>\n<td width=\"270\"><\/td>\n<td style=\"text-align: right;\" width=\"134\">2,42,505<\/td>\n<td style=\"text-align: right;\" width=\"105\">281,545<\/td>\n<td width=\"92\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" width=\"270\">Divide by Number of Units<\/td>\n<td style=\"text-align: right;\" width=\"134\">913.24<\/td>\n<td style=\"text-align: right;\" width=\"105\">900.90<\/td>\n<td style=\"text-align: right;\" width=\"92\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" width=\"270\"><strong>NAV at the end of 10 year<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"134\"><strong>265.54<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"105\"><strong>312.07<\/strong><\/td>\n<td style=\"text-align: right;\" width=\"92\"><strong>+17%<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>So my investment in the Direct Plan of the scheme will be worth 17% more than the regular plan in just 10 years!<\/p>\n<p>Please see the chart above to see the NAV difference between Direct Plans and Regular Plans over multiple years. The higher NAV over time is not a because Direct Plans are more expensive, it is because over time Direct Plans perform better.<\/p>\n<p>Thus, Direct Plans are better for you.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Investing_Simplified\"><\/span><strong>Investing Simplified<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Not investing yet? Finding it hard to make time to plan your investments? Sign up on <a href=\"https:\/\/www.kuvera.in\">kuvera.in<\/a> today and experience goal planning and investing to your fingertips.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Some brokers tell investors that Direct Plans are more Expensive than Regular Plans and it is not advisable to invest in them.\u00a0 Please do not fall for this argument! Direct Plans are better for you. We will take you through an illustrative Direct Plans NAV calculation and compare it to a Regular Plan. Say\u00a0I [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/direct-plans-nav-calculation\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":3,"featured_media":591,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[103],"tags":[94,110,40,11,93,43,67,98,17],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Don&#039;t let your investment broker fool you! - Kuvera<\/title>\n<meta name=\"description\" content=\"Direct Plans are better than Regular Plans. Don&#039;t let your broker tell you otherwise. 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