ट्यूशन वृद्धि अनुमान कैलकुलेटर
भविष्य में ट्यूशन फीस वृद्धि का अनुमान लगाएं।
Annual Spending
$2,500,000
Annual Spending vs Annual Spending Rate
सूत्र
How Endowment Spending Works
Endowments are designed to provide perpetual funding. The spending rate must be low enough that investment returns preserve the real (inflation-adjusted) value of the endowment.
Formula
Annual Spending = Endowment Value x Spending Rate
Sustainable if Spending Rate <= Expected Return - Inflation
Common Practice
हल किया गया उदाहरण
A $50M endowment with 5% spending rate, 7% expected return, 3% inflation.
- 01Annual spending: $50M x 0.05 = $2,500,000
- 02Real return: 7% - 3% = 4%
- 03Spending (5%) > Real return (4%): Not sustainable long-term
- 04Net growth: $50M x (7 - 5 - 3)/100 = -$500,000 per year
अक्सर पूछे जाने वाले प्रश्न
What is a prudent spending rate?
The UPMIFA guidelines suggest spending 4-7% is presumptively prudent, but sustainability depends on investment returns and inflation.
Can a school spend more during emergencies?
Yes, boards can approve temporary higher spending, but should plan to return to sustainable levels within a defined period.
How are endowment returns measured?
Using total return (interest, dividends, and capital appreciation) on a rolling 3-year or 5-year average to smooth volatility.