Kubata, Kuverenga, uye Kuenzanisa naKAP
Chii chiri APY?
APY iyi nhamba inokuudza kuti uchawana mari yakawanda sei neyakadikanwa pane imwe gore. Iyo inobhadhara chikwereti chaunowana pamutengo wako wepakutanga, uyewo kufarira iwe unowanikwa pamusoro pezvimwe zvinowanikwa mubereko.
A APA yakakwirira iri nani apo iwe uchitarisa zvikwereti zvekuchengeta kwako. Apo iwe ndiwe unobhadhara chikwereti, pasi re APY iri nani.
Kana iwe ukaisa mari muchikwereti chekuchengetedza, misika yemari, kana chiremba chekuisa (CD) , unowana mubereko. APY inogona kukuratidza iwe kunyanya kufara kwaunowana. Nezvenhau iyi, unogona kusarudza kuti ibhengi iri nani , uye kana iwe kana iwe usingadi kuvhara mari yako muCD pane imwe yepamusoro.
Chii Chinoita APY Yakasiyana?
APY inobatsira nokuti inotora kuwedzera muzvinyorwa-nyore "chido chekuita" haiti. Kuwedzeredza kunoitika kana iwe uchiwana chikwereti kune chido chawaimbowana , zvinoreva kuti uri kuwana zvakapfuura zvinotorwa nehuwandu hwekufarira.
Muenzaniso: Unoisa $ 1 000 munhoroondo yekuchengetedza iyo inokwereta 5 muzana gore rekuda kwekutora. Pakupera kwegore, iwe uchange uine $ 1,050 (uchifunga kuti bhangi yako inotora chikwereti kamwe chete pagore). Zvisinei, bhagheni yako inogona kuverenga uye kubhadhara chibereko pamwedzi.
Mukudaro, iwe unopedzisa gore ne $ 1,051.16, uye iwe ungadai wakawana APY inopfuura 5 muzana. Kusiyana kunogona kuoneka kudiki, asi kwemakore akawanda (kana kuti nehurukuro dzakakura), musiyano unokosha.
Kubhadhara mumwe chete pagore: Kana bhangi yako ikatora uye inopa mubereko kamwe chete pakupera kwegore, bhengi raizowedzera $ 50 ku-akhawunti yako.
Mwedzi uno kuwirirana: Kana kufarira kuri kuverengwa uye kubhadharwa pamwedzi, unowana zvishoma zvishoma mwedzi woga woga. Mune tafura iri pasi, cherechedza kuti mari inowanikwa sei inowedzera zvishoma mwedzi mumwe nomumwe.
APA maakaiti kune avo vanowanzofarira kuverenga, saka zvakanyatsonaka kudarika kufarira "chiyero." Nenguva iyo, iwe unenge uchingogara uchiona APY yakataurwa kubva kumabhangi-saka haufaniri kuzviverenga iwe pachako. Asi iwe unogona kuverenga APY iwe pachako, uye tichavhara izvozvo pasi apa.
| Period | Zvipo | Balance |
| 1 | $ 4.17 | $ 1,004.17 |
| 2 | $ 4.18 | $ 1,008.35 |
| 3 | $ 4.20 | $ 1,012.55 |
| 4 | $ 4.22 | $ 1,016.77 |
| 5 | $ 4.24 | $ 1,021.01 |
| 6 | $ 4.25 | $ 1,025.26 |
| 7 | $ 4.27 | $ 1,029.53 |
| 8 | $ 4.29 | $ 1,033.82 |
| 9 | $ 4.31 | $ 1,038.13 |
| 10 | $ 4.33 | $ 1,042.46 |
| 11 | $ 4.34 | $ 1,046.80 |
| 12 | $ 4.36 | $ 1,051.16 |
APR vs. APY
Gore negore purogiramu yemari (APR) yakafanana neAAPY, asi haitoreri kuenzanisa.
APY yakarurama kupfuura APR mune dzimwe mamiriro ezvinhu nokuti inokuudza kuti mari yakawanda sei iyo inotengesa sezvinoda mari inowanikwa. Asi kana iwe ukwereta mari, iwe unowanzoona APR chete. Muzvokwadi, iwe unogona kubhadhara APY-iyo inogara ichikwirira nemamwe marudzi emahomwe.
Chikwereti chekwereti chikwereti muenzaniso wakanaka kwazvo wekukosha kwekunzwisisa APR vs. APY.
Kana iwe wakatakura chikwereti, iwe unobhadhara APY iri yakakwirira kudarika yakataurwa APR. Sei? Mitengo inoshandiswa inowedzerwa mubhadharo yako mwedzi woga woga, uye mumwedzi unotevera, uchabhadhara chikwereti pane iyo inofarira. Izvi zvakafanana nekuwana kufarira pamusoro pezvaunofarira iwe wakagamuchira mukodha yekuchengetedza .
Misiyano inogona kunge isingave yakakosha, asi pane musiyano. Iko huru yako chikwereti uye nguva refu iwe uchikwereta, chikuru icho chikamu chinosvika.
Nekusimudzirwa kwemari yekubhadhara , APR inonyanya kujeka nokuti iwe kazhinji usati uwedzere kufarira mari uye uwedzere chikwereti chako. Zvakare, APR nhoroondo dzekuvhara mari , izvo zvisingagoni kuregererwa. Zvisinei, imwe yakasarudzwa-iyo yemari yakakwereta inowedzera (kana iwe usingabhadhara mari yekuda mari sezvavanowedzera). Kuti uwane mamwe mashoko, dzidza nezvemarudzi akasiyana eApri .
Nzira yekuverenga sei APY
Kuverenga kutyara kweAAPY kunogona kunge kwakaoma. Asi mahwendefa akaita saExcel kana Google Sheets anoita kuti zvive nyore. Shandisa iyi spreadsheet (iyo inenge ine mifananidzo iri pamusoro apa izere) kana kutevera nzira iri pasi apa.
- Gadzira pepanheti itsva.
- Ita chiyero chechibereko muchitokisi A1 (chikwata chinodiwa chinofanira kuendeswa mumutambo wemakumi ).
- Pinda nguva yakawandisa muchitokisi B1 (shandisai 12 pamwedzi, imwe yegore negore, nezvimwewo).
- Nyora inotevera chirevo mune imwe sero: = POWER ((1+ (A1 / B1), B1) -1
Semuenzaniso, kana yakataurwa gore negore iri 5 muzana, rudzi ".05" muchikamu cheA1. Zvadaro, pamwedzi wekuwedzera, pinda "12" muchitokisi B1. Cherechedza kuti kuwedzerwa kwezuva nezuva iwe unogona kushandisa 365 kana 360 zvichienderana nebhangi rako kana kuti chikwereti.
Mumuenzaniso uri pamusoro apa, uchaona kuti APY iri 5.116 muzana. Mune mamwe mazwi, 5 muzana yehuwandu yehuwandu nemigumisiro yemwedzi unoenzanisa muAAPY ye 5.116 muzana. Edza kuchinja kuwandisa kwemaitiro, uye iwe uchawana pfungwa yekuti APY inoshanduka sei. Semuenzaniso, unogona kuratidzira kwegore rimwechete kuwedzera (kane kana pagore) kana kubhadharwa kamwechete kwegore-izvo zvinoguma ne 5% APY.
I APY Formula
Kana uchida kuita mathemati nenzira yakare-kare, hezvino maverengi ekuverenga APY:
APY = (1 + r / n) n - 1 apo rinoti gore roga roga chikwata uye n nhamba yezvikamu zvinokonzera nguva gore.
Vanhu vezvemari vanozozviona izvi seChinoitika Gore Chekuita (EAR) kuverenga.
Nzira Yokuwana Nayo Best APY
APY yakakwirira nekuwedzerwa nguva dzakawanda. Kana uri kuchengetedza mari mubhengi rebhangi , ona kuti mari yacho yakawanda sei. Zuva rega rega kana roga roga zvinowanzova nani pane kugadzirisa gore rose-asi chengeta APY yega yega sarudzo kuti uve nechokwadi.
Iwe unogonawo kuputira wako "APY chaiyo." Tarisa pazvinhu zvako zvose sechikamu chemufananidzo mukuru.
Mune mamwe mazwi, usafunga nezvekutsvaga kweCD imwe sechaparadzaniswa nekodha yako yekuongorora -iyo yose inoshanda pamwe chete kune zvinangwa zvako, uye inofanira kuiswa zvakakodzera. Funga iwe seM Chief Financial Officer of You, Inc.
Kuti ufukidze APY yako yega, tsvaga nzira dzekuita nechokwadi chokuti mari yako iri kuwedzeresa kakawanda sezvinobvira. Kana maCD maviri achibhadhara chikwereti chimwe chete, sarudza iyo inobhadhara chikwereti kazhinji uye ine yepamusoro APY. Mari yako yekubhadhara ichadzoswa zvakare-inowanzowanzoita, zviri nani-uye iwe uchatanga kuwana mari yakawanda kune iyo inotora chikwereti.