Mutemo we 72 unobatsirawo nokuti unoratidza pfungwa imwechete yandakakudzidzisa pamusoro pehurukuro inonzi, Iwe uri kushandisa Mamiriyoni ako $ 1 panguva , umo waona kuti simba rakakura rinogona sei; kukwanisa kwayo kukura mari shoma yemari muhombe huru kana ichipiwa nguva yakakwana yakakwana uye chiyero chinogutsa chekudzoka. Kufambisa iyi chokwadi chemasvomhu kunogona kukonzera kuchinja kwehutano kusvika pakuisa iwe mberi kwezvaunofarira pamusoro pezvaunoda zvenguva pfupi, zvichiita zviri nani kugadzirisa - zvinangwa zvako pachako zvinangwa, zvinangwa, uye kurota.
Nzira Yokuverenga Mutemo we 72 Kana Mutengo Wokudzoka Kwekutsvaga Kwako Kuzivikanwa
Kutanga, ngatitangei kuti tingashandisa sei Mutemo we 72 kana iwe uine chiyero chekudzoka iwe uchawana mari yako. Chimiro chekuwanikwa ichi kweRule re 72 ndechekuti:
- Nguva Yenguva Yakakosha Kuti Uwedzere Mari Yako = 72 yakapatsanurwa nekudzoka kwemutengi wegore negore.
Muenzaniso unogona kukubatsira iwe kufungidzira nhamba. Fungidzira kuti mumwe muzvikwereti anoziva kuti anogona kuwana 12% pamari yake mune imwe nzvimbo yekutsvaga mari. Anogona kubvunza mubvunzo uyu, "Zvichatora nguva yakareba sei kudarika mari yangu pachiyero ichi chekudzoka?".
Tichishandisa Mutemo wedu unobatsira we 72, iyi inofanirwa kuverenga! Zvose zvaunofanira kuita zvinogovera nhamba yemashiripiti, makumi manomwe nematanhatu, nemutengo wekubhadhara wemari, 12.
Mhinduro, 6, ndiyo nhamba yemakore inotora kuwedzera kudyidzana.
Uyezve, chimbofungidzira kuti muchengeti webhuruu wekutsvaga mari inotarisira kuwana 8.5% pamakambani ayo ehurumende mukati meRoth IRA . Anoda kuziva kuti zvinotora nguva yakareba sei kuti adzore mari yake kana chiyero ichi chikazova chakarurama. Kuti averenge izvi achishandisa Rule ye 72, anotora 72 uye anokamura ne 8.5. Mhinduro yacho, 8.47, ndiyo nhamba yemakore inotora kuchinja $ 1 yaakapa mune $ 2.
Nzira yekuverenga Mutemo we 72 Kana Nhamba Yemakore Isingazivikanwi
Mutemo we 72 unogona kushandiswa zvakare. Mumwe mutengesi aida kuwedzera kaviri mari yake mune imwe nhamba yemakore angashandisa mutemo kuti awane chikwata chekuwedzera kwegore negore (CAGR) yaaifanira kuwana kuti azadzise chinangwa chake. Nokufananidza izvi nezvinoonekwa se "zvakanaka" mutengo wekudzoka , iye anogona kuwana mhinduro iri nani yekuti kana zvisatarisirwe zvinonzwisisika.
Chimiro chekushanda kwekushandiswa kweRule rwa 72 ndechekuti:
- Zvinotarisirwa CAGR kuDhadha Mari = 72 yakapatsanurwa nehuwandu hwemakore maunoda kuwedzera kaviri mari yako
Sezvakaitika, ngatishandei kuburikidza nemimwe mienzaniso kuitira kuti iwe uwane hombe yacho.
Fungidzira kuti mumwe mubhizimisi wemunharaunda yekumba kwako aida kuwedzera kaviri mari yake mumakore mana.
Kuti aenzanise kuwanda kwekubhadharwa kwekudzoka kunodiwa kuti awane yakadaro, aigona kushandisa shanduro iyi yeRule ye 72 uye aparadzanisa 72 ne4. Mugumisiro, 18, unomirira 18%. Icho ndicho chikamu chemitero inotevera mushure mekudzoka kwaaizofanira kuwana kuti asangane nechinangwa chaaida.
Zvino, fungidzira kuti chirikadzi yakasunungurwa inoda kuwedzera pfuma yavo mumakore gumi namaviri. Kuti aenzanise kuwanda kwekubhadharwa kwekudzoka kunodiwa kuti awane yakadai, aishandisa shanduro iyi yeRule ye 72 uye aparadzanisa 72 ne12. Chigumisiro, 6, chinomirira 6% chakawedzerwa gore negore.
Dzidzira Maitiro Ekukubatsira Iwe Kudzidza Maitiro Okuverenga Mutemo we 72
Iye zvino kuti une ruzivo rwekutanga rwekuti Mutemo we 72 unoshanda sei, haufaniri kunge usina dambudziko kupindura mibvunzo inotevera:
Mubvunzo 1 : Johane anoda kudarika mari yake mumakore manomwe kuti asvike kune zvinangwa zvemari.
Ndeipi mubhadharo wekudzorera waanofanira kuwana kuti aite izvi kubudirire?
Mubvunzo 2 : Susan ari kuwana kudzoka kwe 9% pagore mushure me-mitero pane yake yeimba yeimba. Inguva yakadini iyo inomutora kuti awedzere mari yake?
Mubvunzo 3 : Edie iye zvino ane $ 5,000 munhoroondo yake yekutengesa, asi anoda kuwedzera kaviri paanopedza chikoro mumakore matatu. Pasina kuwedzera chero mari yakawedzerwa kumari yake yemazuva ano, ndeupi mubhadharo wekubhadhara iye anofanira kubhadhara kuitira kuti apedzisire ne $ 10 000 mubhuku rake?
Mhinduro 1 : John aizotora 72 akaparadzaniswa ne 7. Mhinduro, 10.2857%, ndiyo mari yaachafanira kuwana pane imwe mushure mitezo yekubudirira kubudirira chinangwa chake.
Mhinduro 2 : Kuverenga nhamba yemakore zvakakosha kudarika mari yake achishandisa Mutemo we 72, Susan aizoparadzanisa 72 ne 9. Mhinduro, 8, ndiyo nhamba yemakore inotora kuti mari yake iite kaviri pashure pemitero.
Mhinduro 3 : Muyero weEdie wekudzoka unofanira kuva 24%. Kuti uwane mhinduro, gurai 72 nemakore ose Edie inofanira kudarika mari yake, 3. Kunyange zvazvo 24% kudzoka hazvirevi kuti hazvigoneki, inenge iri muEdie zvakanyanya kufarira kupfuurira mari yekubhadhara kambani yake yekubhadhara nemari yakawedzerwa yakawanikwa munzira .