chinyorwa

Kunzwisisa kufarira kwakabatana kwakakosha kune chero munhu ari kutsvaga kukura kwemari. Chinyorwa ichi chinoongorora simba remubereko wakakomberedzwa uye kuti chingabatsire sei vanhu kusimudzira hupfumi hwavo zvisina basa. Nekutsanangura iyo pfungwa uye mabhenefiti ayo, vaverengi vanowana ruzivo rwakakosha mukusimudzira mubereko wakakoniwa kuzvinangwa zvavo zvemari. Vhura zvakavanzika zvemubereko wekomboni nemazano kubva kune nyanzvi pa Ai Definity, kuwedzera kunzwisisa kwako kwemari.

Chii chinonzi Compound Interest?

Compound mhindu ipfungwa yezvemari inoreva maitiro ekuti mhindu inowedzerwa kumari yekutanga, uyezve mhindu inenge yawedzerwa inowanawo mhindu. Mumashoko akapfava, ifariro pamubereko. Kusiyana nemhindu yakareruka, iyo inoverengerwa chete pamutengo mukuru, mubereko wekomboni unofunga nezvechimbadzo chakaunganidzwa zvakare, zvichizotungamira mukukura kukuru kwekudyara nekufamba kwenguva.

Formula yekuverenga mubereko wakasanganiswa ndeiyi:

A=P×(1+r/n) nt

Where:

  • A ndiyo kukosha kweramangwana rekudyara / chikwereti, kusanganisira mubereko
  • P ndiyo yakakosha mari yekudyara (yekutanga dhipoziti kana mari yechikwereti)
  • r ndiyo muberero wepagore (decimal)
  • n ndiyo nhamba yenguva iyo mhindu inowedzerwa pagore
  • t ndiyo nguva iyo mari inoiswa / kukweretwa, mumakore

Semuenzaniso, kana iwe ukadyara $ 1,000 muakaunti yekuchengetedza ine mubereko wegore negore we5%, inosanganiswa gore negore, mushure megore rimwe, mari yako inokura kusvika $1,050. Nekudaro, kana kufarira kwacho kwakawedzerwa kota, mari yako yaizokura kusvika pamadhora zviuru zana nemakumi mashanu neshanu nekuda kwekuwanda kunowedzera nguva.

Tanga Pakare: Simba Renguva muCompound Interest

Kutanga nekukasika kwakakosha kana zvasvika pakubatsirikana kubva mubereko dzakasanganiswa. Iyo pfungwa iri nyore asi yakadzama: iyo nguva yakareba mari yako inodyarwa, iyo yakawanda nguva inofanirwa kukura. Izvi zvinodaro nekuti mubereko wemubatanidzwa haungowani mhindu chete pamari yekutanga yaiswa mari asiwo pamari yakaunganidzwa nekufamba kwenguva.

Fungidzira zviitiko zviviri: muchiitiko chekutanga, unotanga kuisa $ 100 pamwedzi pazera remakore makumi maviri nemashanu, uye muchiitiko chechipiri, unotanga pazera remakore 25. Tichifunga nezvekudzoka kwegore negore kwe35%, nezera remakore 7, mamiriro ekutanga angadai akaunganidza. pamusoro pe $65, nepo yechipiri mamiriro angangoita $330,000 chete.

Izvi zvinoratidza simba rekutanga. Kunyangwe iwe uchingokwanisa kuisa mari shoma pakutanga, iko kusanganisa mhedzisiro kwemakumi emakore akati wandei kunogona kutungamira mukuunganidza hupfumi hwakawanda. Nguva ndeyechokwadi mubatsiri wako mukuru kana zvasvika pakufarira kwakawanda.

Wedzera Frequency yeCompounding

Kuwedzera kuwanda kwekusanganiswa kunogona kuwedzera simba remubereko wemukomboni. Kubatanidza kunogona kuitika pamwedzi, kota, semi-pagore, kana pagore, zvichienderana nemotokari yekudyara. Kuwedzera kufarira kunowedzera, ndiko kukurumidza kwekudyara kwako.

Somuenzaniso, ngatiti iwe une $ 10,000 yakasimwa pamutengo wegore negore we5%. Kana kufarira kuchiwedzerwa gore negore, mushure megore rimwe chete, unenge uine $10,500. Zvisineyi, kana mubereko wacho uchiwedzerwa mwedzi wega wega, unenge uine $10,512.50 mushure megore rimwe, sekota yega yega, unowana mubereko pamari yekutanga pamwe nemubereko wawanikwa mukota yapfuura.

Nekuwedzera kuwanda kwekubatanidza, unogona kusimudzira kukura kwekudyara kwako. Ichi ndicho chikonzero zvakakosha kuti titarise kuwedzeredza frequency pakusarudza sarudzo dzekudyara.

Kukwirisa Returns kuburikidza Investments

Kukwirisa madzoro kuburikidza nekudyara ndeimwe nzira yakakosha yekukwirisa mubereko wemubatanidzwa. Zvakakosha kuti usarudze mari dzinopa chiyero pakati penjodzi nekudzoka, kuve nechokwadi chekuti mari yako inokura zvishoma nezvishoma nekufamba kwenguva.

Imwe nzira ndeyekusiyanisa mari yako mumakirasi akasiyana easset, akadai semasheya, mabhondi, uye zvivakwa. Izvi zvinobatsira kuparadzira njodzi uye kuwedzera zvinogona kudzoka. Uyezve, funga kuisa mari mumaakaundi ane mitero, akadai seIRAs kana 401 (k) s, iyo inopa kukura kwemutero nemutero wemutero.

Gara uchiongorora uye gadzirisa yako yekudyara portfolio kuti uone kuti inoenderana nezvinangwa zvako zvemari uye kushivirira njodzi. Nekuwedzera kudzoka kuburikidza nekudyara kwakarongeka, unogona kuwedzera mabhenefiti emubereko wemubereko uye kuwana kukura kwemari kwenguva refu.

mhedziso

Mukupedzisa, mubereko wakasanganiswa chishandiso chine simba chekuvaka hupfumi nekufamba kwenguva. Kutanga mangwanani, kuwedzera kuwanda kwekubatanidza, uye kuwedzera kudzoka kuburikidza nehurongwa hwekudyara ndiyo nzira dzakakosha dzekushandisa kugona kwayo kuzere. Nokushandisa misimboti iyi pakuronga kwavo zvemari, vaverengi vanogona kuzviisa munzira inoenda kubudiriro yemari kwenguva refu.