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The following article was published in our article directory on March 3, 2012.
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Calculating the Real Rate of Return

Article Category: Finances

Author Name: chickie maxwell

Rate of return is something that old investors and new investors alike think about when they funnel their money in a certain type of investment, be it bonds, mutual funds, lending schemes, stocks, businesses and more. Ideally, you want your return rate of your investment to be high. But for beginners, the usual question that they pose is, how does one know if one's return rate is enough to increase your overall purchasing power? The answer here is that instead of computing your return rate alone, you need to compute for your real rate of return.

Do note though that it is still good for you to know your return rate. At least that is a baseline that you can use to know how much of your monies have grown in that investment, not taking into consideration any extraneous factors.

Say, you made an investment in Company 123 last year of $100,000. By the end of the year, if your money grew to $108,000, this means your nominal return rate is at 8%. However, if the annual inflation was at 5%, then your money in reality only grew 3%. What this means is that even if the monetary value increased by 8%, the goods and services that you can buy with that money only increased by 3%. The rest of the increase was only wasted, so to speak, by inflation.

Inflation is the increase in the price levels of commodities and services over a year's time. This means that the money that you had last year cannot buy the same basket of items this year. The goods and services in last year's basket will be more than the number of goods and services in this year's basket.

Taking the inflation in consideration when computing for the real return rate is a great way to know how you have increased your actual purchasing power, which is a better way of measuring wealth than the nominal return rate.

Fortunately, there is one company out there that offers a respectable real rate of return and it is Prosper. Prosper is deemed to be as one of the global leaders in peer-to-peer lending, a much better alternative than bank loans for borrowers and other investment options for investors. How this one works is that it pools a set of investors willing to loan out their money for interest and it also handles the promotion of the money to potential borrowers. The loan investors can then choose which loans they would like to invest in. If you are interested in this type of investment, you can contact Prosper at 1-866-615-6319 from 9am ET to 9pm ET from Monday to Friday. They will be able to discuss with you their real rate of return.

Keywords: rate of return

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