fin_FIF: NZ FIF Tax Offset & NAV Neutrality Calculator

In umx: Structural Equation Modeling and Twin Modeling in R

NZ FIF Tax Offset & NAV Neutrality Calculator

Description

NZ FIF Tax Offset & NAV Neutrality Calculator

Usage

fin_FIF(portfolioValue, marginRate, expectedReturn, taxRate, fifRate = 0.05)

Arguments

portfolioValue	Total opening value of the portfolio on April 1st.
marginRate	The annual interest rate on the IBKR margin loan (e.g., 0.06).
expectedReturn	The expected annual growth of the asset (e.g., 0.11 for QQQ).
taxRate	The user's marginal tax rate (e.g., 0.39 or .3 (blended)).
fifRate	The FIF deemed rate of return (standard is 0.05).

Value

A ggplot object showing the net impact across LTV ratios.

See Also

• fin_interest(), fin_NI(), fin_percent()

Other Miscellaneous Functions: deg2rad(), fin_JustifiedPE(), fin_NI(), fin_StockCAGR(), fin_carryCost(), fin_expected(), fin_interest(), fin_net_present_value(), fin_option(), fin_percent(), fin_ticker(), fin_valuation(), rad2deg(), umxBrownie()

Examples

# Example Usage:
# 2026 Strategy: $500k Portfolio, 6.5% IBKR Rate, 12% Expected Return, 39% Tax
fin_FIF(portfolioValue = .5e6, marginRate = 0.065, expectedReturn = 0.12,  taxRate = 0.39)

umx documentation built on May 18, 2026, 5:07 p.m.