Kumvetsetsa chidwi chophatikizika ndikofunikira kwa aliyense amene akufuna kukula kwachuma. Nkhaniyi ikufotokoza za mphamvu ya chiwongola dzanja chambiri komanso momwe chingathandizire anthu kukulitsa chuma chawo mosavutikira. Pofotokoza mfundoyi ndi ubwino wake, owerenga adzapeza zidziwitso zamtengo wapatali pakugwiritsa ntchito chiwongoladzanja pazachuma chawo. Tsegulani zinsinsi za chidwi chophatikizika ndi njira zochokera kwa akatswiri pa Ayi Definity, kukulitsa kumvetsetsa kwanu pazachuma.

## Kodi Compound Interest ndi chiyani?

Chiwongola dzanja ndi lingaliro lazachuma lomwe limatanthawuza njira yomwe chiwongoladzanja chimawonjezeredwa kumtengo woyambira, ndiyeno chiwongola dzanja chomwe chawonjezedwa chimapezanso chiwongola dzanja. Mwachidule, ndi chidwi pa chidwi. Mosiyana ndi chiwongola dzanja chosavuta, chomwe chimawerengedwa pamtengo waukulu, chiwongola dzanja chimatengeranso chiwongola dzanja chomwe chimasonkhanitsidwa, zomwe zimapangitsa kuti ndalama ziwonjezeke pakapita nthawi.

Njira yowerengera chiwongola dzanja ndi:

A=P×(1+r/n) nt

Kumene:

• A ndiye mtengo wamtsogolo wa ndalama/ngongole, kuphatikiza chiwongola dzanja
• P ndiye ndalama zazikulu zogulira (ndalama zoyambira kapena ngongole)
• r ndi chiwongola dzanja chapachaka (decimal)
• n ndi kuchuluka kwa nthawi zomwe chidwi chimawonjezeredwa pachaka
• t ndi nthawi yomwe ndalama zimayikidwa / kubwereketsa, m'zaka

Mwachitsanzo, ngati mumagulitsa \$ 1,000 mu akaunti yosungirako ndi chiwongoladzanja cha pachaka cha 5%, chophatikizidwa chaka chilichonse, pakatha chaka chimodzi, ndalama zanu zidzakula kufika pa \$ 1,050. Komabe, ngati chiwongoladzanja chikachulukitsidwa kotala, ndalama zanu zingakula kufika pa \$1,051.16 chifukwa cha nthawi zochulukirapo.

## Yambani Poyambirira: Mphamvu ya Nthawi mu Chidwi Chophatikiza

Kuyamba msanga ndikofunikira pankhani yopindula ndi chiwongola dzanja chowirikiza. Lingaliro ndi losavuta koma lakuya: pamene ndalama zanu zimayikidwa nthawi yayitali, zimakhala ndi nthawi yochulukirapo. Izi zili choncho chifukwa chiwongoladzanja chophatikizana sichimangopeza chiwongola dzanja pa ndalama zoyambilira komanso chiwongoladzanja chomwe mwapeza pakapita nthawi.

Tangoganizirani zochitika ziwiri: muzochitika zoyamba, mumayamba kuyika \$ 100 pamwezi pa zaka 25, ndipo muzochitika zachiwiri, mumayamba zaka 35. kuposa \$7, pamene chochitika chachiwiri chikanakhala ndi pafupifupi \$65 okha.

Izi zikuwonetsa mphamvu yoyambira msanga. Ngakhale mutangokwanitsa kuyika ndalama zochepa poyambira, kuphatikizikako kwazaka makumi angapo kumatha kubweretsa chuma chambiri. Nthawi ndiye bwenzi lanu lalikulu zikafika pazokonda zambiri.

## Wonjezerani Kuchuluka Kwakuphatikiza

Kuchulukitsa kuchuluka kwa kuphatikizika kumatha kupititsa patsogolo mphamvu ya chiwongola dzanja. Kuphatikizika kumatha kuchitika mwezi uliwonse, kotala, semi-pachaka, kapena pachaka, kutengera galimoto yogulitsa. Chidwi chikachulukirachulukira, ndalama zanu zimakula mwachangu.

Mwachitsanzo, tiyerekeze kuti muli ndi \$ 10,000 yomwe mwayika pa chiwongoladzanja chapachaka cha 5%. Ngati chiwongola dzanja chikuwonjezeredwa chaka chilichonse, pakatha chaka chimodzi, mudzakhala ndi \$10,500. Komabe, ngati chiwongola dzanja chikuwonjezeka kotala, mudzakhala ndi \$10,512.50 pakatha chaka chimodzi, monga kotala lililonse, mumalandira chiwongola dzanja pamtengo woyambira komanso chiwongola dzanja chomwe mudapeza m'gawo lapitalo.

Powonjezera kuchuluka kwa kuphatikizika, mutha kufulumizitsa kukula kwa ndalama zanu. Ichi ndichifukwa chake ndikofunikira kulingalira kuchuluka kwachulukidwe posankha njira zogulira.

## Kuchulukitsa Kubweza Kudzera mu Investments

Kuchulukitsa phindu kudzera muzogulitsa ndi njira ina yofunika kwambiri kuti muwonjezere chiwongola dzanja. Ndikofunikira kusankha mabizinesi omwe amapereka malire pakati pa zoopsa ndi zobwerera, kuwonetsetsa kuti ndalama zanu zikukula pang'onopang'ono pakapita nthawi.

Njira imodzi ndiyo kusiyanitsa ndalama zanu m'magulu osiyanasiyana azinthu, monga masheya, ma bond, ndi malo. Izi zimathandizira kufalikira kwa chiwopsezo ndikukulitsa zobwerera zomwe zingatheke. Kuonjezerapo, ganizirani kuyika ndalama mu akaunti za msonkho, monga IRAs kapena 401 (k) s, zomwe zimapereka kukula kwakukulu ndi phindu la msonkho.

Yang'anani nthawi zonse ndikusintha mbiri yanu yoyika ndalama kuti muwonetsetse kuti ikugwirizana ndi zolinga zanu zachuma komanso kulekerera zoopsa. Mwa kukulitsa zobweza kudzera m'mabizinesi abwino, mutha kukulitsa mapindu a chiwongola dzanja chambiri ndikukulitsa chuma chanthawi yayitali.

## Kutsiliza

Pomaliza, chidwi chophatikizana ndi chida champhamvu chopangira chuma pakapita nthawi. Kuyambira koyambirira, kuchulukitsa kuchuluka kwa kuphatikizika, ndi kuchulukitsa zobweza kudzera muzachuma zanzeru ndi njira zazikulu zogwiritsira ntchito mphamvu zake zonse. Pogwiritsira ntchito mfundo zimenezi pakukonzekera kwawo ndalama, oŵerenga angadzikhazikitse okha njira yopita ku chipambano chandalama kwanthaŵi yaitali.