Zvinyorwa uye Mienzaniso Kuverenga Inofarira Kuponesa

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Sezvo iwe uchivaka mari yako, zvinobatsira kudzidza kuti ungaverenga sei kufarira. Kuita saizvozvo kunokubvumira kuronga zvirongwa zvinokosha nekunyatsonzwisisa kufambira mberi kwako kune izvo zvinangwa. Zviri nyore kuverenga kufarira kwaunowana, kunyanya kana ukashandisa mahwendefa asingabhadharwi kana kuti mavarai ekudhinda.

Peji ino ichafukura kuti ungaverenga sei zvinotevera:

• Kufarira kwakanyanya
• Nhengo dzisina kuroorwa (imwe nguva)
• Compound interest

• Kuenderera mberi (mwedzi mumwe nomumwe, somuenzaniso) imari

Nzira yekuverenga Nharaunda Yaunowana

Kufarira ndiwo mari yemari. Paunokweretesa mari kana kuisa mari mune imwe nhoroondo inofarira vanhu, iwe unowanzodzorera mari yako zvishoma nezvishoma. Iko mari yakawedzerwa inofarira, kana mubhadharo wekurega mumwe munhu kushandisa mari yako.

Paunoita mari yekuchengetera mabhuku kana zvikwangwani zvekuisa (CDs) kubhangi kana chikwereti chekwereti, uri kukweretesa mari yako kubhangi. Bhengi inotora mari yacho uye inotora kune imwe nzvimbo, zvichida kukweretesa mari kune vamwe vatengi .

Kuti uverenge kufarira kubva kuigwaro rekuchengetedza, iwe uchada zvidimbu zvemashoko akazotevera:

• Nhamba yemari yako kana kuti mari yaunokweretesa, uchishandisa shanduro ye "P" yemukuru.
• Kana kufarira kuri kuverengwa uye kubhadharwa (gore negore, mwedzi mumwe nomumwe, kana zuva nezuva, somuenzaniso), uchishandisa "n" kwehuwandu hwezviitiko pagore.
• Chirongwa chekufarira , uchishandisa "i" uye muyero muwedzerwa mafaira .

• Inguva yakareba iwe uchawana mubereko , uchishandisa "t" yezwi (kana nguva) mumakore .

Muenzaniso Wekutanga: Funga kuti iwe unopa $ 100 kubhengi rako, iwe unowana mubereko gore negore, uye nhoroondo inopa 5 muzana. Iwe uchava nemakore akawanda sei mushure megore rimwe?

Nokuda kwekuverenga kwekutanga, shandisa shanduro yekuda kufanirwa yekugadzirisa nokuda kwechikwereti chekuda (I).

Tichaenderera mberi kunowedzera chibereko pasi apa.

Kushandisa shanduro iri nyore yekufarira :

1. P x r x t = I
2. $ 100 x 5 muzana x 1 year = $ 5
3. $ 100 x .05 x 1 year = $ 5

Iyi kuverenga inoshanda apo inharaunda yako yekutora inotorwa segore rega rega rega (APY) . Mazhinji emabhangi anoshambadzira APY: Nhamba yacho inotarisa zviri nani pane "chibereko chekufarira" nokuti inhamba yakakwirira, uye iri nyore nokuti inotora kuwedzera kuitika. Zvisinei, iwe unogona kungoziva ruzivo rwe "chiyero" -singazivi APY.

Muchiitiko ichocho, iwe unoda kuita zvakasiyana kuverenga . Kana bhangi yako inotora chikwereti mwedzi mumwe nomumwe uye inowedzera mubhadharo wekero yako yega rega, sezvinoratidzwa mabhengi mazhinji, kushamwaridzana kunongororwa hakusi kwakarurama.

Verenga Compound Interest

Kuwedzeredza kunoitika kana iwe uchiwana chikwereti, uye iwe unowana mari yakawanda kune iyo inotora mari yawakagamuchira kare.

Kuti uverenge chidimbu chechidimbu pane imwe nhoroondo yekuchengetedza, fomu yako inoda kutora zvinhu zviviri mukutarisa:

1. Dzimwe nguva dzinowanikwa nguva dzekutora muzvikwata, panzvimbo pekubhadhara kwegore rimwe chete. Somuenzaniso, bhadha yako inogona kubhadhara chikwereti pamwedzi.
2. Nhamba yakakura yenyaya yekuti inotevera chido chekuverenga yakavakirwa

Tine muenzaniso iwoyo pamusoro apa, tichashandisa chirevo chechidimbu chechikwata kuverenga chiyero chekuguma (A):

1. A = P ( 1 + r / n ) ^ nt
2. A = $ 100 x (1 + 0.05 / 12) ^ (12 x 1)
3. A = $ 100 x (1.004167) ^ (12)
4. A = $ 100 x 1.051
5. A = $ 105.117 (kana $ 105.12 kana bhenji yako ichikwira)

Kana yakange iri nguva kubva kuchidzidzo chemasvomhu, kuchengetedza (^) ndiko kwekutsvaira, izvo zvinoreva kuti nhamba inomutswa kune simba reumwe. Somuenzaniso, "x ^ 3" zvinoreva x cubed (kana x yakasimudzirwa kune simba rechitatu). Kana shanduro yako ichiratidza mafomati nenzira yakarurama, iyi ndeimwe nzira yekuiratidza: A = P (1 + r / n) ^nt .

Sezvauchacherechedza, chidimbu chekufarira chikwata chakakwirira zvishoma kudarika $ 5 yemari inowanikwa kuburikidza nekufarira nyore. 5 muzana ndiyo chikwata chekufarira muenzaniso wedu, asi APY iri chaizvo 5.12 muzana. Chero kana zvikwereti zvibhadharwa kakawanda kupfuura gore negore, APY yakakwirira kudarika iyo inotaurwa gore negore "chiyero." Asi APY inokuudza kunyangwe iwe uchawana mari, pasina chidimbu chekuwedzera kuverenga.

Mamwe masendi gumi nemaviri angasaita seakawanda. Imari yacho inowedzera kunakidza nepamusoro yeiridha yakawanda uye nguva refu yakabata nguva.

Tora neSpreadsheet

Spreadsheets inogona kushandura nzira iyo iwe uye inokubvumira kuti uite kuchinja nokukurumidza pane zvaunofunga.

Kuti uverenge kufarira kwako mari yekuwana nemaparishiti, isu rekukosha kwekuverenga kuverenga. Microsoft Excel neGoogle Sheets (pakati pevamwe) vanoshandisa kadhi "FV" yeiyo fomu.

Muenzaniso muGoogle Sheets wakatozadza iwe. Iwe unogona kutora template iyo uye uchinje nhamba dzezvido zvako.

Kuti uite pepadheetiti yako, tanga nokupinda zvinotevera mune imwe sero kuti uone zvaunowana kuburikidza nekufarira kufarira:

= FV (0.05,1,0,100)

Nzira iyo inokumbira kuti chido chekuda, chiverengero chemazuva, kubhadhara nguva nenguva (kana pane), kukosha kwemazuva anouya (kunze kwekuti iwe uchitanga ne zero), uye chisarudzo (hachiratidzi pano) nokuda kwekutanga kana kuguma kwenguva.

Izwi iri pamusoro apa rinoshandisa shanduro iri nyore kubva pakutanga. Inoratidza kufarira kunyoresa (kwete chimiro chekufarira) nokuti pane imwe chete inowedzera nguva.

Kuti uwane mahwendefa akapfuura, pinda muzinga, nguva, uye mukuru mumasero akasiyana. Ipapo iwe unogona kutarisa kune masero aya kubva mumagadzirirwo ako uye nyore nyore kuvashandura kwe "chii-kana" kuverenga.

Kuti ushandise chidimbu chidimbu , unoda kugadzirisa nhamba dzinoverengeka. Shandura chiyero chegore negore kudikanwa kwegore negore : 5 muzana yakaparadzaniswa nemwedzi 12 inova 0.004167. Uyewo, shandura nhamba yenguva kusvika ku12. Kuverenga kwegore rinopfuura rimwe, iwe ungashandisa 12 pagore. Somuenzaniso, makore mana angave maawa makumi mana-asi zviri nyore kushandisa shanduro yakabatanidzwa kumusoro.

Zvokuchengetedza zviripo

Mienzaniso iri pamusoro inofunga kuti iwe unogadzira imwe chete.

Mariro yemwedzi Uno: Kana iwe ukagara uchiisa kubhengi yako pamagumo emwedzi woga woga, panzvimbo yechinhu chimwe chema-sum deposit, iwe uchada kuchinja kuverenga kwako kana fomu yako yepaspiritsi.

Kana iwe waizoisa $ 100 pamwedzi kwemakore mashanu anotevera, kutanga kubva zero, iwe ungashandisa:

= FV (0.004167,60,100)

Cherechedza kuti iwe unoshandisa purogiramu yemari yepamwedzi, uye iwe unogadzirisa nhamba yenguva kusvika pamwedzi 60.

Kuti uverenge noruoko, shandisa kukosha kwemazuva ano kwe annuity calculation:

1. FV = Pmt x (((1 + r) ^ n) - 1) / r)
2. FV = 100 x ((1 + 0.004167) ^ 60) - 1) / 0.004167)
3. FV = 100 x (1.283 - 1) / 0.004167
4. FV = 100 x 68.0067
5. FV = 6800. 67

Mhinduro yako yekupedzisira inogona kusiyanana zvishoma nekuda kwekukomberedza.