Izvo zvinokonzera kufarira kunoita kuti nhoroondo dzikure
Chii chinonzi Compound Interest?
Kuwedzeredza ndeyekuita. Kana iwe uchiziva ne "snowball effect," iwe unenge watoziva kuti chimwe chinhu chinogona kuvaka pamusoro payo.
Chikwata chinowanikwa chido inowanikwa nemari yakambotengwa sechido. Izvi zvinotungamirira kune kuwedzera kufarira (uye zviyero zvebhuku) pahuwandu hwekuwedzera - izvo dzimwe nguva dzinozivikanwa sekuwedzera kwekuwedzera.
Tanga nemafungiro ezvokuda kufarira: iwe unoisa mari, uye bhangi inokubhadhara iwe unofarira pawadhi yako. Semuenzaniso, unogona kuisa $ 100 kwegore rimwe pa5 kubva muzana, uye iwe unogona kuwana $ 5 mubereko kune gore.
Chii chinoitika gore raitevera? Ndiko kunowedzera kuunza. Iwe uchatanga kuwana ruzivo pane yako yokutanga dhomwe uye iwe uchawana chikwereti kune chido chawakangowana:
Iwe uchawana 5 muzana pane yako $ 100 (zvakare)
Iwe uchawana 5 muzana pane $ 5 yemari yawakabhadhara iyo bhangi yakachengeterwa ku-akhawunti yako
Izvozvo zvinoreva kuti iwe uchawana mari inopfuura $ 5 gore rinouya (nokuti kukosha kwako kwekambani iko zvino $ 105 - kunyange zvazvo iwe usina kuita chero chekuita), naizvozvo mari yako inowedzera. Pamabhengi akawanda, kunyanya mabhangi ari muIndaneti , kufarira kunowanikwa zuva rega rega uye kuwedzerwa ku-akhawunti yako mwedzi wose, saka iyo inofambisa faster.
Zvechokwadi, kana uri kukwereta mari, kubatanidza mabasa pamusoro pako. Iwe unobhadhara chikwereti pamari yawakwereta, uye chikwereti chako chemari chinogona kukura kupfuura nguva - kunyange iwe usingakweretizve mari.
Tora Kubatsira Kwechikwata Chechikwata
Iwe ungaita sei kuti uone kuti kuwedzera mabasa kunofadza iwe?
Ponesa kare uye kazhinji: kana uchikura nekuchengetedza kwako, nguva ndiyo shamwari yako.
Zvinotora nguva kuti uwedzere, asi kuwedzera ikoko kuchavaka nekupedzisira kuwana simba. Mune zvimwe zviitiko, kutanga kutanga kunoreva iwe haufaniri kuchengetedza zvakanyanya sekunge munhu anenge achimirira kutanga kuponesa - kunyange kana iwe ukarega kuchengeta pane imwe nguva, musoro wako unogona kubhadhara zvikamu gare gare. Iva nemoyo murefu, siya mari yako yoga, uye funga kwenguva refu.
Tarisa APY: kuenzanisa mabhizimisi emabhangi akadai seakaunti dzekuchengetedza uye maCD, tarisa gore rega rega rega (APY) . Izvi zvinotora kuwirirana munyaya uye zvinopa chechokwadi chegore rose. Nenzira yakanaka, zviri nyore kuwana - mabhandi anowanzozivisa APY nokuti yakakwirira kudarika chikwereti chechido. Edza kuwana zviyero zvakanaka pamari yako, asi zvichida hazvifananidzi kushandura mabhengi kune imwezve 0.10 muzana (kunze kwekuti iwe une chikamu chikuru chekaunti).
Kubhadhara chikwereti nokukurumidza uye kubhadhara zvimwe kana uchigona . Kubhadhara zviduku pamakadhi ako emakadhi zvinokubhadhara zvikuru nekuti iwe hauzogoni kuita dent muzvikwereti zvekufarira (uye yako mari inogona kukura). Kana uine chikwereti chemudzidzi, usatora mari yakawanda yekubhadhara chikwereti - kubhadhara zvishoma kana kufarira sezvaunowedzera kuitira kuti urege kuwana kushamiswa kwakashata pashure pokunge wapedza kudzidza. Kunyange kana iwe usina kubhadhara kubhadhara, unozviitira iwe unofadza nekuderedza mararamiro ako ehupenyu hwekufarira.
Ramba uchikweretesa mutengo wakaderera: kunze kwekukanganisa kubhadhara kwako kwedzimwe mwedzi , mari yezvikwereti pazvikwereti zvako zvinokurumidza kuti chikwereti chako chichakurumidza kukura sei (uye kuti zvakaoma sei kubhadhara). Dhijidhi-nhamba yemari yakaoma kurwisana nayo. Ona kana zvakanakira kusimbisa zvikwereti uye kuderedza chikwereti chako chaunofarira apo uchibhadhara chikwereti.
Kukanganisa: kuwedzera kunogona kukubatsira kukura mari yako, asi inowira pasina kungoita zvemashiripiti. Kuti uwane ruzivo rwekuwedzera, iwe unoda kunyatsochengetedza mari, uiise munhoroondo, uye uwane mari pane yako yekugonesa. Kuti upedze nemari ipi zvayo inobatsira , iwe unofanirwa kuita izvi nekupfuura - mwedzi mushure megore negore. Kuwedzeredza hakugone kuita kukusimudzira kwakakura kwako.
Chii Chinokonzera Kufarira Kwakawanda Kuine Simba?
Kuwedzeredza kunoitika kana chido chichiverengwa kakawanda.
Nzira yekutanga kana miviri haisi inonakidza zvikuru, asi zvinhu zvinozotora mushure mokunge uwedzera kufarira nguva nenguva.
Nenguva yakawanda sei: kuwedzerwa kwekuwedzeredza kunokosha. Dzimwe nguva kuverenga (zuva nezuva, somuenzaniso) kune zviitiko zvinoshamisa. Paunenge uzarura kambani yekuchengetedza, tsvaga maakaunti anowanikwa zuva rega rega. Iwe unogona kungoona kubhadharwa kwekutora kuwedzerwa ku-akhawunti yako mwedzi wose, asi kuverenga kunogona kuitika zuva rega rega. Dzimwe nhoroondo dzinoverengera kuverenga mutengo wegore negore kana gore negore.
Inguva yakareba sei: kuwedzerwa kunoshamisa pane nguva yakareba kwenguva. Zvakare, iwe une nhamba yakakwirira yekuverenga kana "zvikwereti" kune compte iyo mari yasara iri yoga kukura.
Zvimwe zvikonzero: chikwereti chechido chinowedzerawo mubasa rako rekugadzirisa kwenguva. Mizinga yakakwirira inoreva kuti nhoroondo ichakura nokukurumidza. Asi zvinokwanisika kuti chikwata chiwedzere kukunda chiyero chakakwirira. Kunyanya kudarika nguva yakareba kwenguva, imwe nhoroondo ine kuwirirana uye pasi inodhura inogona kuguma nebhadha rakakwirira kudarika sekiyo uchishandisa kuverenga nyore. Ita mathemati kuti uone kana izvozvo zvichizoitika, uye apo nzvimbo yakakanganiswa iri.
Kubhadhara uye kubhadhara kunogonawo kuchinja kubhadhara kwekodha yako, asi ivo vakasiyana kubva pakuwedzera. Kuita kuti mari yako ikure (kana kuramba uchiwedzera kuakaunti yako) yakanakisisa - kana iwe ukabvisa mari yako, iwe unoderedza mhinduro yekuwedzera.
Nhamba yemari haina kuchinja kuwedzera. Kunyangwe iwe uchitanga ne $ 100 kana $ 1 mamiriyoni, kubatanidza mabasa nenzira imwe chete, uye kubhadhara kwekaunti yako kunofanana zvakafanana kana iwe ukarisa kukura kwekufamba kwenguva. Zviri pachena, mari inowanikwa inoita seyakakura apo iwe unotanga nehomwe huru, asi iwe hauna kurangwa nokuda kwekutanga maduku kana kuchengeta maakare akasiyana. Zvakanakisisa kuisa pfungwa pazvikamu uye nguva apo uchigadzirira ramangwana rako - uchawana mari yakawanda sei, uye kwenguva yakareba sei? Dhora ndeye chikonzero chekuda kwako uye nguva.
Kuramba uchiwedzera (zuva nezuva kana mwedzi mumwe nomumwe) kunobatsira, asi usanetseka nhamba. Kana kufarira kuchiwedzerwa zuva rega rega, iwe uchiri kuwana zvakawanda kana zvishoma pasi peAIDS. Somuenzaniso, nhoroondo inobhadhara 5 muzana APY haibhadhara 5 muzana pazuva - unowana 1/365 ye5 muzana zuva nezuva. Kunyange zvakadaro, kugara uchiwedzera kubatsira kunobatsira mari yako kukura nokukurumidza.
Nzira Yokuverenga Nhamba Yechidimbu
Pane nzira dzakawanda dzekuverenga chidimbu chechidimbu, zvichikupa njere kuti unozadzisa sei zvinangwa zvako, nekukubatsira kuti ugare wakatarisira. Chero nguva yaunotanga kuverenga, chengeta zvishoma "nhamba-kana" kuverenga uchishandisa nhamba dzakasiyana - ona zvaizoitika kana iwe ukachengetedza zvishoma kana kuwana mubereko kune mamwe makore mashomanana.
Nhamba dzekutsvaga paIndaneti dziri nyore, sezvavanoita masvomho kwauri uye zvinogona nyore kugadzira chati uye gore negore tafurafura. Asi vanhu vakawanda vanosarudza kutarisa (uye kushanda pamwe) nenhamba zvakanyanya.
Chimiro chechikwata chechikwata ndechekuti:
A = P (1 + [r / n]) ^ nt
Kuti ushandise izvi kuverenga, tora muzvipimo zviri pasi apa:
A: mari yauchazoguma nayo
P: mari yako yokutanga, inozivikanwa seMukuru
r: gore negore rekutarisa , rakanyorwa mumutambo wemutengo
n: nhamba yekuwedzerwa nguva nenguva (somuenzaniso, mwedzi wega wega 12 uye vhiki yevhiki ndeye 52)
t: kukosha kwenguva (mumakore) iyo mari yako inosanganiswa
Muenzaniso: une $ 1 000 inowana 5 muzana yakawedzerwa pamwedzi. Iwe uchava nemakore mangani pashure pemakore gumi nemashanu?
A = P (1 + [r / n]) ^ nt
A = 1000 (1 + [.05 / 12]) ^ (12 * 15)
A = 1000 (1.00417) ^ (180)
A = 1000 (2.11497)
A = 2113.70
Mushure memakore gumi nemashanu, iwe unenge uine $ 2,114 (nhamba yako yokupedzisira inogona kusiyana nekuda kwekukomberedza uye software yaunoshandisa pakuverenga). Pamutengo iwoyo, $ 1 000 ndiyo yako yokutanga mari, uye inosara $ 1,114 inofarira.
Ona shanduro yepaSpredishiti paGoogle Docs inoratidza kuti inoshanda sei, uye shandisa kopi kushandisa nhamba yako pachako.
Mapapanethi anogona kuita zvose kuverenga kwauri. Kuti uverenge bhizimisi rako rekupedzisira mushure mekuwedzera, iwe pachako uchashandisa nguva yemberi kukosha kuverenga. Microsoft Excel, Google Sheets, uye zvimwe zvigadzirwa zvinopa basa iri - asi iwe unoda kugadzirisa nhamba zvishoma.
Uchishandisa muenzaniso wepamusoro, ngatitangei kuburikidza nekuverenga pamwe neExpcel's worth value basa:
= FV (chiyero, nper, pmt, pv, rudzi)
Zvinogona kunge zviri nyore kuisa zvidimbu zvako mumasero akasiyana uye wotarisa kune masero kuitira kuti usafanirwa kuwana zvose zvakanaka muhomwe imwe chete. Somuenzaniso, Cell A1 inogona kuva "1000," Cell B1 inogona kuratidza "15," nezvimwe zvakadaro.
Nenzira yekushandisa shanduro yezvakagadzirwa nesimbi iri kushandisa nguva yakawandisa pane kungofunga mumakore . Kuwedzerwa kwemwedzi pamwedzi, periodic chiyero chekuda inongova chiyero chegore gore chakaparadzaniswa ne12 nokuti kune mwedzi gumi nemaviri kana "nguva" mukati megore. Nekugadzirisa zuva nezuva, masangano mazhinji vanoshandisa 360 kana 365.
= FV (chiyero, nper, pmt, pv, rudzi)
= FV ((. 05/12), (15 * 12),, 1000,)
Cherechedza kuti iwe unogona kubva kunze kwemasikati , izvo zvaizova kuwedzerwa kwepamusoro penyaya (kana iwe uchiwedzera mari pamwedzi, izvi zvinogona kuuya zvakanaka). Mhando hainawo kushandiswa munyaya ino.
Mutemo we 72 ndiyo imwe nzira yekukurumidzira kuenzanisa pamusoro pemakwikwi emakwikwi. Mutemo uyu wegunwe unokuudza zvazvinotora kuti uwedzere mari yako kaviri, uchicherechedza chiyero chaunowana uye kureba kwenguva yaunowana mari iyo. Wedzera huwandu hwemakore nehuwandu hwechibereko - kana ukawana 72, unobatanidza zvinhu zvinowedzera zvakapetwa nemari yako.
Muenzaniso # 1: une $ 1 000 mukuchengetedza kuwana 5 muzana APY. Ichatora nguva yakadii kusvikira uine $ 2,000 munhoroondo yako?
Kuti uwane mhinduro, ona kuti ungasvika sei kune 72. 72 inoparadzaniswa ne5 is 14.4, saka zvichatora makore 14.4 kudarika mari yako.
Muenzaniso # 2: une $ 1 000 ikozvino, uye iwe unoda $ 2,000 mumakore makumi maviri. Ndeipi iyo iwe waunofanira kuwana kuti uwedzere mari yako kaviri?
Zvakare, funga zvazvinotora kuti uende ku 72 uchishandisa ruzivo rwaunacho (nhamba yemakore). 72 yakakamurwa ne20 yakaenzana ne3 3.6, saka iwe uchada kuwana 3.6 muzana APY kuti uwane chinangwa chako.