Kubvira muna 1928, S & P 500 - chimiro chekambani yemashesi yeU.S. - yakapa muvakwereti zvikwereti ne 9,53 muzana annualized inodzoka. Uye kubva muna 1967, vatengesi vanofarira 10.09% annualized kudzoka.
Asi kana izvi zvikaita kuti uve nemufaro nekushingaira, S & P 500 inodzoka yaingova 6.88 muzana pakati pe 2007-2016.
Nyanzvi dzichakuudza kuti runako rwekutsvaga kwemusika wekutengesa kunotungamirirwa neimwe nzira iri nyore: iyo magetsi ekuwedzera. Kukosha kwekutsvaga kwako kwekutanga kunowedzera zvishoma nezvishoma kwenguva. Muchirevo chisinganzwisisiki, kubatanidza ndeyekushanduka kwekugadzira mitsva yakawedzerwa pamari yawakagara uita.
Kuti tive nemafungiro akajeka, regai titarise kuti izvi zvikamu zveS & P 500 zvekudzoka zvinoshanda sei mumadhora chaiwo. Fungidzira iwe wakabhadhara $ 100 muS & P 500 muna 1928. Heino izvo zvingakodzerwa munguva dzenguva yemberi:
1928 | $ 148.81 |
1938 | $ 121.53 |
1948 | $ 229.79 |
1958 | $ 1435.84 |
1968 | $ 3694.23 |
1978 | $ 5081.77 |
1988 | $ 22,672.40 |
1998 | $ 129,592.25 |
2008 | $ 113, 030.22 |
2012 | $ 193,388.43 |
2016 | $ 328,584.46 |
Cherechedza kuti pakupera kwegore ra1928, $ 100 yako ingadai yakakosha kusvika ku $ 143.81. Asi, makore gumi gare gare, muna 1938, kukosha kwakaderera kusvika $ 121.53.
Pakupedzisira, muna 2016, $ yako yekutanga yaizokura kusvika $ 328,000.
Pasinei nepamusoro-soro yegore rekutsvaga kwekutsvaga kwekutsvaga, mumakore oga oga, inodzoka yakasiyana. Kubva pakuguma kwezana remakore gore rakaderera gore rekudzoka raiva 2008 rine -36.55 muzana, annualized decline. Negore ra2013 rakaona 32.15 muzana kuwedzera kwekukosha.
Munguva yemakore gumi nemana asati apfuura, pakanga pane makore mana asina kudzoka uye makore 13 ekudzoka akanaka muS & P 500:
Gore | S & P 500 | Mwedzi 3 T.Bill | Makore gumi T. Bond |
2000 | -9.03 Mazana | 5.76 Percent | 16.66 Percent |
2001 | -11.85 Percent | 3.67 Percent | 5.57 Percent |
2002 | -21.97 Percent | 1.66 Percent | 15.12 Percent |
2003 | 28.36 Percent | 1.03 Percent | 0.38 Percent |
2004 | 10.74 Percent | 1.23 Percent | 4.49 Percent |
2005 | 4.83 Percent | 3.01 Percent | 2.87 Percent |
2006 | 15.61 Percent | 4.68 Percent | 1.96 Percent |
2007 | 5.48 Percent | 4.64 Percent | 10.21 Percent |
2008 | -36.55 Percent | 1.59 Percent | 20.10 Mazana |
2009 | 25.94 Percent | 0.14 Percent | -11.12 Percent |
2010 | 14.82 Percent | 0.13 Percent | 8.46 Percent |
2011 | 2.10 Mazana | 0.03 Percent | 16.04 Percent |
2012 | 15.89 Percent | 0.05 Percent | 2.97 Percent |
2013 | 32.15 Percent | 0.07 Percent | -9.10 Percent |
2014 | 13.52 Percent | 0.05 Percent | 10.75 Percent |
2015 | 1.38 Percent | 0.21 Percent | 1.28 muzana |
2016 | 11.74 Percent | 0.51 Percent | 0.69 Percent |
Kana iyi mitemo yekare inobata chokwadi, kuisa mari mumusika wekutengesa pamusoro penguva refu kuchapa mibayiro yakawanda yemari.
Inguva Yakadi Kusvikira Uri Millionaire
Kubva pane zvakadzoka kubva kumakore apfuura, ngationei kuti zvichakutora nguva yakareba sei kusvika pamamiriyoni emadhora kana iwe ukaisa $ 5,000, $ 10 000 kana $ 20,000 mune S & P 500 index index. Chikamu chinonyengera chekuverenga ichi chiri kusarudza chiyero chekusvika chekudzoka.
Kuenderera mberi, tichashandisa chinangwa chinokwana 8.5 muzana kwegore rinouya rekudzoka. Nokuenzanisa 10,09 kubva muzana inodzoka kubva muna 1967-2016 pamwe nekudzoka kwakadzika kwe2007-2016 kwe6,88 kubva muzana takasarudza pamagariro anokwana 8.5 muzana remangwana kudzoka. Uyezve, sezvo sangano reUnited States richikura uye GDP kukura, zvinonzwisisika kutarisira misika yemabhizimisi inodzokera kumhepo.
| Annual Investment Amount | Makore kusvika $ 1 Mamirioni |
| $ 5,000 | 35 |
| $ 10,000 | 27.59 |
| $ 20,000 | 20.32 |
| * Inosvika 8.5 kubva muzana yakawedzera mhizha yegore yekudzoka |
Kana iwe uchitanga kuisa mari mumusika wekutengesa pazera remakore makumi matatu, iwe unongoda kupa $ 5,000 gore negore kuti urove mamiriyoni-dollar nezera remakore makumi matanhatu nemashanu. Kusiyana, kana ukamirira kusvikira wava nemakore makumi mashanu, kusvika kune imwechete $ 1 mamiriyoni nemakore 65, iwe unofanira kutora $ 20,000 pagore. Ndiyo musiyano we $ 1,667 mwedzi wega wega wemakore makumi maviri nemashanu zvichienderana ne $ 416 pamwedzi wemakore makumi matatu nemakore.
Kana kuve mamioneya ndiyo chinangwa chako, saka kuisa mari mumusika wekutengesa kunogona kuva nzira inobatsira. Asi sezvo nhamba dzichiratidza, kuisa mari mumisika hakusi kuwana-pfuma-nokukurumidza chirongwa. Nyanzvi yekugadzira zvemari ichakuyeuchidza kuti matokisi inzira inogara kwenguva yakareba yekuvaka pfuma .
Pakupedzisira, usati wapinda mumisika yezvemari, iva nechokwadi kuti uchengetedze zvimwe zvekukurumidzira mari, saka hausamanikidzwi kubvisa mari kubva kumisika panguva yekuderera.
Barbara A. Friedberg ndiye aimbova maneja wepodfolio uye murairidzi wekutsvaga yunivesiti. Tsanangudzo yake inowanikwa pane mamwe mawebsite akasiyana neRobo-Advisor Pros.com naBarbara Friedberg Personal Finance .