Kune huwandu huwandu huchakupa pfungwa yekuti mari inoshandiswa sei. Zvimwe zvakaoma kupfuura mamwe, asi hapana zvakasakwaniswa kusvika kune muvhareji anowanikwa ane calculator. Heano maverengi akawanda maungashandisa kuti akubatsire kunzwisisa kuti mari yako iri kuitei .
Total Return
Ichi chiyero chakareruka, asi chinotiyeuchidza kuti tinoda kuisa zvikwereti (kana zvakakodzera) patinenge tichifunga kudzoka kwechitoro. Heino chirevo:
(Kukosha kwekutsvaga mari kumagumo egore - Kukosha kwekutsvaga kwekutsvaga pakutanga kwegore) + Kugoverwa / Kukosha kwekutsvaga kwekutsvaga kutanga kwegore = Kwose Kudzoka
Semuenzaniso, kana iwe wakatenga chikwama chemadhora mazana manomwe nemakumi manomwe nemashanu uye ikozvino inokosha $ 8,876, iwe une pfuma isingabatsiri ye $ 1,333. Iwe wakagamuchirawo zvikomborero panguva ino ye $ 350. Chii chaidzo kudzoka?
($ 8,876 - $ 7,543) + $ 350 / $ 7,543 = Total Return
$ 1,333 + $ 350 / $ 7,543 = Total Return
$ 1,683 / $ 7,543 = Yese Yadzoka
0.2231 kana 22.31% = Kudzoka Kwose
Iwe unogona kushandisa izvi kuverengera chero nguva ipi zvayo utera sezvo isingarangariri kukosha kwemari munguva.
Simple Return
Kudzoka kwakanyatsofanana kwakafanana nekudzoka kwakakwana, zvisinei, iyo inoshandiswa kuverenga kudzoka kwako pane imwe sarudzo mushure mekunge mazvitengesa.
Heino chirevo:
Net Nhamba + Zvikamu / Zvikamu Zvinotarisirwa - 1
Heano muenzaniso: Ngatiti iwe wakatenga chikwama che $ 3,000 uye wakabhadhara $ 12 commission. Mari yako yekutengesa $ 3012. Iwe unotengesa sengo ye $ 4,000 uye kune imwe $ 12 commission, saka mari yako yekutengesa iri $ 3 988. Zvikamu zvinokwana $ 126.
$ 3,988 + $ 126 / $ 3,012 - 1 = Zvinyorwa Dzokera
$ 4,114 / $ 3,012 - 1 = Simple Return
1.36 - 1 = Ramba Dzodzoka
0.36 kana 36% = Simple Return
Kufanana ne Total Return calculation, The Return Return haina kukuudza chinhu chine nguva yakareba sei yekutsvaga kwekutsvaga. Kana iwe uchida kuona mushure mekubhadhara mutero, kungova panzvimbo ye "mutezo wemutengo mushure mitefa" yekutanga kushandiswa uye shandisa iyo mushure mitevero yemutengo.
Compound Annual Annual Growth Rate
Nokuda kwekutsvaga mari yakaitwa gore rinopfuura rimwe, iwe ungada kutarisa izvi zvakanyanyisa, asi zvisati zvanyanya kuoma kunzwisisa.
ICompound Annual Growth Rate inokuratidza iwe kukosha kwemari mukutsvaga kwako munguva. A 40 kubva muzana anodzoka makore maviri akanaka, asi makumi mana kubva muzana anodzoka kupfuura makore gumi anosiya zvakawanda zvingadiwa. Funga nezvekuverenga uku sehuwandu hwekukura hunokutora kubva pakutanga kwekutswa kwekutswa kwekutsvaga kusvika pakuguma kwekutsvaga kwekutsvaga kwekutsvaga, uchifungidzira kuti kubhadhara kwave kuri kuwedzera nguva.
Kuti uverenge chikwata chekuwedzera kwegore gore negore, gurai kukosha kwekutsvaga kwekutsvaga pakupera kwenguva yaunotarisa nehuwandu hwayo pakutanga kweiyo nguva. Tora chigumisiro ichocho uye uchisimudze icho kune simba reimwe rakakamurwa nehurefu hwehurefu, uye zvino kubvisa chimwe kubva pane icho chibereko.
Ndinopa hurukuro yose pamusoro pekuverenga uku kunokosha kwaunogona kuwana pano.
Mhedziso
Zviri nyore kana zvishoma zvakaoma kunzwisisa kuverenga zvinogona kukupa kugadzirisa zviri nani kuti iwe uri kuita sei.