NAME
App::CalcAccumulatedDiscounts - Calculate multi-year discounts from a per-year discount rate
VERSION
This document describes version 0.080 of App::CalcAccumulatedDiscounts (from Perl distribution App-CalcAccumulatedDiscounts), released on 2021-07-17.
SYNOPSIS
See the included script calc-accumulated-discounts.
FUNCTIONS
calc_accumulated_discounts
Usage:
calc_accumulated_discounts(%args) -> [$status_code,$reason,$payload, \%result_meta]
Calculate multi-year discounts from a per-year discount rate.
Examples:
Example #1:
calc_accumulated_discounts();Result:
[200,"OK",[["Disc p.a. \\ Year","5y","10y","15y","20y","25y","30y","35y","40y","45y","50y",],["0.25%","1.2%","2.5%","3.7%","4.9%","6.1%","7.2%","8.4%","9.5%","10.7%","11.8%",],["0.50%","2.5%","4.9%","7.2%","9.5%","11.8%","14.0%","16.1%","18.2%","20.2%","22.2%",],["0.75%","3.7%","7.3%","10.7%","14.0%","17.2%","20.2%","23.2%","26.0%","28.7%","31.4%",],["1.00%","4.9%","9.6%","14.0%","18.2%","22.2%","26.0%","29.7%","33.1%","36.4%","39.5%",],["1.25%","6.1%","11.8%","17.2%","22.2%","27.0%","31.4%","35.6%","39.5%","43.2%","46.7%",],["1.50%","7.3%","14.0%","20.3%","26.1%","31.5%","36.5%","41.1%","45.4%","49.3%","53.0%",],["1.75%","8.4%","16.2%","23.3%","29.7%","35.7%","41.1%","46.1%","50.6%","54.8%","58.6%",],["2.00%","9.6%","18.3%","26.1%","33.2%","39.7%","45.5%","50.7%","55.4%","59.7%","63.6%",],["2.25%","10.8%","20.4%","28.9%","36.6%","43.4%","49.5%","54.9%","59.8%","64.1%","67.9%",],["2.50%","11.9%","22.4%","31.6%","39.7%","46.9%","53.2%","58.8%","63.7%","68.0%","71.8%",],["2.75%","13.0%","24.3%","34.2%","42.7%","50.2%","56.7%","62.3%","67.2%","71.5%","75.2%",],["3.00%","14.1%","26.3%","36.7%","45.6%","53.3%","59.9%","65.6%","70.4%","74.6%","78.2%",],["3.25%","15.2%","28.1%","39.1%","48.4%","56.2%","62.9%","68.5%","73.3%","77.4%","80.8%",],["3.50%","16.3%","30.0%","41.4%","51.0%","59.0%","65.7%","71.3%","76.0%","79.9%","83.2%",],["3.75%","17.4%","31.8%","43.6%","53.4%","61.5%","68.2%","73.8%","78.3%","82.1%","85.2%",],["4.00%","18.5%","33.5%","45.8%","55.8%","64.0%","70.6%","76.0%","80.5%","84.1%","87.0%",],["4.50%","20.6%","36.9%","49.9%","60.2%","68.4%","74.9%","80.0%","84.1%","87.4%","90.0%",],["5.00%","22.6%","40.1%","53.7%","64.2%","72.3%","78.5%","83.4%","87.1%","90.1%","92.3%",],],{"table.field_aligns"=> ["number","number","number","number","number","number","number","number","number","number","number",],},]Modify years and discount rates to generate:
calc_accumulated_discounts(discounts=> [1, 2, 2.5],years=> [5, 10]);Result:
[200,"OK",[["Disc p.a. \\ Year","5y","10y"],["1.00%","4.9%","9.6%"],["2.00%","9.6%","18.3%"],["2.50%","11.9%","22.4%"],],{"table.field_aligns"=> ["number","number","number"] },]
This routine generates a table of accumulated discounts over a period of several years, given the annual discount rates.
I first wrote this to see the accumulated fees when choosing mutual funds products. The moral of the story is, if you plan to hold a fund for a long time (e.g. 5-10 years or longer) you should pick funds that are low in annual fees (e.g. 1% or lower). Otherwise, the annual management fees will eat up most, if not all, your potential profits.
This function is not exported.
Arguments ('*' denotes required arguments):
discounts => array[float] (default: [0.25,0.5,0.75,1,1.25,1.5,1.75,2,2.25,2.5,2.75,3,3.25,3.5,3.75,4,4.5,5])
years => array[int] (default: [5,10,15,20,25,30,35,40,45,50])
Returns an enveloped result (an array).
First element ($status_code) is an integer containing HTTP-like status code (200 means OK, 4xx caller error, 5xx function error). Second element ($reason) is a string containing error message, or something like "OK" if status is 200. Third element ($payload) is the actual result, but usually not present when enveloped result is an error response ($status_code is not 2xx). Fourth element (%result_meta) is called result metadata and is optional, a hash that contains extra information, much like how HTTP response headers provide additional metadata.
Return value: (any)
HOMEPAGE
Please visit the project's homepage at https://metacpan.org/release/App-CalcAccumulatedDiscounts.
SOURCE
Source repository is at https://github.com/perlancar/perl-App-CalcAccumulatedDiscounts.
BUGS
Please report any bugs or feature requests on the bugtracker website https://rt.cpan.org/Public/Dist/Display.html?Name=App-CalcAccumulatedDiscounts
When submitting a bug or request, please include a test-file or a patch to an existing test-file that illustrates the bug or desired feature.
AUTHOR
perlancar <perlancar@cpan.org>
COPYRIGHT AND LICENSE
This software is copyright (c) 2021, 2017, 2015 by perlancar@cpan.org.
This is free software; you can redistribute it and/or modify it under the same terms as the Perl 5 programming language system itself.