IRR Inobatsira Iwe Kuenzanisa Mari Inoshandiswa Pakutenga
Mari inoyerera (mari uye maitiro), uye nguva isina kukwana (iwe unowanzoisa mari pazuva rokutanga regore uye kubvisa mari yako pazuva rekupedzisira regore), ita kuverenga kudzoka kwakaoma.
Ngatitarisei muenzaniso kuverenga kudzoka uchishandisa chido chakanaka, uye ipapo tichaona kutarisa kusina mari uye nguva inoita kuti kuverenga kuve kwakaoma.
Kunyoresa Kufarira Muenzaniso
Kana iwe ukaisa $ 1 000 mubhangi, bhangi inokubhadhara iwe unofarira, uye rimwe gore gare gare une $ 1,042. Munyaya iyi, zviri nyore kuverenga mutengo wekudzoka pa 4.2%. Iwe unongoparadzanisa pfuma ye $ 42 mumari yako yepakutanga ye $ 1 000.
Mari Yakasarura Inofamba uye Nguva Yakaita Izvozvo Zvive Zvakaoma
Paunogamuchira kusina kukwana kwemari inoyerera kwemakore anoverengeka, kana kupfuura nguva isingazivikanwi, kuverenga mukati mukati yekudzoka kunova kwakaoma. Ngatiti iwe unotanga basa idzva mukati megore. Iwe unogona kuisa mune yako 401 (k) kuburikidza nemari yakabhadharwa kuitira kuti mwedzi woga woga mari iende kukushandira iwe. Kuti uone zvakajeka IRR iwe unoda kuziva zuva uye chiyero chemari imwe neimwe uye kugadzirisa kwekupedzisira.
Kuti uite rudzi urwu rwekuverenga iwe unofanirwa kushandisa shanduro, kana mari yekugadzirisa zvemari, inokubvumira iwe kuisa mari yakasiyana-siyana inoyerera panguva dzakasiyana-siyana. Pasi pane zvishoma zvishandiswa zvinogona kubatsira.
- Heino mukana wepachena uri mukati mutsva wekudzokera calculator inobvumira kusvika kumakore gumi neshanu ekupinza kwemari.
- Iwe unogonawo kukopa Microsoft Excel mukati yekutsvaga kwekutsvaga template cheperesheet template, iyo inotsanangura kuti IRR inoshanda sei mune Excel inobvumira uye inokubvumira kuisa kubuda kwemari kuti uone kuti inoshanda sei.
- Kune avo vese vanofarira online tutorials, vhidhiyo iyi inokuratidzai kuti mungayera sei IRR pane HP12 (c) calculator.
Sei Kuverenga Mutengo Wemukati Wekudzoka?
Zvakakosha kuverenga inotarisirwa mukati yehutano hwekudzoka kuitira kuti iwe uwane zvakakwana kufananidza dzimwe nzira dzekutsvaga. Somuenzaniso, nekuenzanisa kuenzaniswa kwemukati yekudzoka kune imwe nzvimbo yekutsvaga mari kune iyo yekubhadhara mari kune imwe yenzvimbo yepodfolio ye index index, unogona kunyatsoongorora zvikwereti zvakasiyana-siyana pamwe nekudzoka kunogona - uye zvinoita nyore nyore rubatsiro rwekutsvaga mari iwe unonzwa wakasununguka ne.
Zvinotarisirwa kudzoka haisi chinhu chega chekutarisa; uyewo funga nezvehuwandu hwehuwandu hwekuti hutano hwakasiyana hunoiswa pachena. Kudzoka kwepamusoro kunouya nezvengozi dzakakwirira. Imwe rudzi rwemungozi inopisa ngozi. Zvimwe zvikwereti zvinobhadhara mari yakakwirira mukutsinhanisa zvishoma kudyidzana - somuenzaniso, nguva yakareba CD kana bhizimisi inopa chikwereti chechikwata chepamusoro kana kuti chikwata chepakati pezvishoma pane zvingasarudzwa kwenguva nokuti wakapa mari yako kwenguva yakareba.
Mabhizimusi anoshandisa mukati yehuwandu hwekudzoka kuverenga kuti aenzanise imwe inogona kushandiswa kune imwe. Varimi vanofanira kuishandisa nenzira imwecheteyo. Mukuronga kushanda, tinoverenga zvishoma kudzosera iwe unoda kuzadzikisa kuti usangane nezvinangwa zvako uye izvi zvinogona kubatsira kuti uone kana chinangwa chiri chechokwadi kana kwete.
Mutengo Wemukati Wekudzoka Hausi Wakafanana Neawa Yakaremerwa Kudzoka
Yakawanda mari pamwe chete nemamwe masimari anounza kudzokera mushumo chimwe chinhu chinonzi Time Weighted Return (TWRR). Izvi zvinoratidza kuti imwe dollar inotengeswa sei pakutanga kwekuzivisa nguva ingadai yakaitwa.
Semuenzaniso, kana yaiva makore mashanu ekudzoka kwegore ra2015, inogona kuratidza migumisiro yekutsvaga mari musi waJanuary 1, 2001, kusvika munaDecember 31, 2015. Vangani venyu vanobhadhara mari imwe chete kune yekutanga yegore rimwe nerimwe? Nokuti vanhu vazhinji havasi kushandisa mari iyi nenzira inogona kuve nekusiyana kukuru pakati pekudzoka kwekutsvaga (izvo zvakabudiswa nekambani) uye inowanikwa kune vashandi (izvo zvinodzorera mumwe nomumwe wezvikwereti iye zvino anowana).
Somurimari, nguva inorema inodzoka haisati ikuratidze kuti chii chawakaita nhoroondo yako yekuita kunze kwekuti iwe usina kumbobhadhara kana kuregera pane nguva yakaratidzwa. Ichi ndicho chikonzero chemukati chekudzoka chinova chiyero chakajeka chemigumisiro yako apo iwe uri kuisa mari kana kubvisa kukwira kwemari pamusoro pemafaira akasiyana-siyana.