Ideco Contributions Card from Japan Pension Bureau

[Tkydon]

The actual yeild for each individual Y12,000 will be different, but the average is 17.90％

Thanks for that. I understood what each of the figures were, just not how the yield is calculated. I think I more or less have it now, though. I sometimes have a bit of a mental block when it comes to number-crunching.

Incidentally, you can probably increase your contributions to Y20,000 per month in the new year.

Yes, been looking forward to that!

You can use the XIRR Function in Excel.

list every contribution:

<Date> 12,000
<Date> 12,000
...
<Date> 12,000
<Today's?? Date> Negative<Value>

so in this case

<Date> 12,000
<Date> 12,000
...
<Date> 12,000
<Today's?? Date> -1,860,423


Then in another cell enter the formular, =XIRR(<Cell Range of Values from First 12,000 to last -1,860,423>, <Cell Range of Dates from First 12,000 to last -1,860,423>)

and it should calculate 17.9%...