umbhalo

Ukuqonda inzala ehlanganisiweyo kubalulekile kuye nabani na ofuna ukukhula ngokwasezimalini. Eli nqaku liphonononga amandla omdla ohlanganisiweyo kunye nendlela enokunceda ngayo abantu ukuba bakhulise ubutyebi babo ngaphandle komzamo. Ngokucacisa ingqikelelo kunye neenzuzo zayo, abafundi baya kufumana ulwazi oluxabisekileyo ekuxhaseni inzala ehlanganisiweyo kwiinjongo zabo zemali. Vula iimfihlo zomdla odibeneyo kunye nezicwangciso ezivela kwiingcali kwi Ai Definity, ukuphucula ukuqonda kwakho imali.

Yintoni iCompound Interest?

Inzala edityanisiweyo yingqiqo yemali ebhekiselele kwinkqubo apho inzala yongezwa kwisixa-mali sokuqala, kwaye ke inzala eyongeziweyo nayo ifumana inzala. Ngamagama alula, yinzala kwinzala. Ngokungafaniyo nenzala elula, ebalwa kuphela kwisixa-mali esiyintloko, inzala ehlanganisiweyo ithathela ingqalelo inzala eqokelelweyo nayo, nto leyo ekhokelela ekukhuleni okubonakalayo kotyalo-mali ngokuhamba kwexesha.

Ifomula yokubala inzala ehlanganisiweyo yile:

A=P×(1+r/n) nt

phi:

  • A lixabiso lekamva lotyalo-mali/imali-mboleko, kuquka inzala
  • IP yimali yotyalo-mali engundoqo (idiphozithi yokuqala okanye isixa-mali semali-mboleko)
  • r yinzala yonyaka (idesimali)
  • n linani lamaxesha apho inzala idityaniswa khona ngonyaka
  • • lixesha apho imali ityalwa/ibolekwa ngalo, kwiminyaka

Ngokomzekelo, ukuba utyala imali eyi-$ 1,000 kwi-akhawunti yokulondoloza kunye nenzala yonyaka ye-5%, idityaniswe ngonyaka, emva konyaka omnye, utyalo-mali lwakho luya kukhula ukuya kwi-$ 1,050. Nangona kunjalo, ukuba inzala ibidityaniswe ngekota, utyalo-mali lwakho luya kukhula luye kuthi ga kwi-1,051.16 yeedola ngenxa yamaxesha okudibanisa rhoqo.

Qala kwangethuba: Amandla exesha kwiCompound Interest

Ukuqala kwangethuba kubalulekile xa kufikwa kwinzuzo kwinzala ehlanganisiweyo. Lo mbono ulula kodwa unzulu: ixesha elide utyalomali lwakho, ixesha elininzi kufuneka likhule. Oku kungenxa yokuba inzala ehlanganisiweyo ayifumani inzala kuphela kwisixa-mali sokuqala esityaliwe kodwa nakwinzala efunyenweyo ekuhambeni kwexesha.

Khawucinge ngeemeko ezimbini: kwimeko yokuqala, uqala ukutshala i-$ 100 ngenyanga kwi-25 yobudala, kwaye kwimeko yesibini, uqala kwiminyaka eyi-35. Ukucinga ukuba imbuyekezo yonyaka ye-7%, nge-65 yobudala, imeko yokuqala yayiza kuqokelela. phezu $330,000, ngelixa imeko yesibini wayeza kuba malunga $130,000 kuphela.

Oku kubonisa amandla okuqalisa kwangoko. Nokuba unganakho kuphela ukutyala imali encinci ekuqaleni, isiphumo sokudibanisa kumashumi eminyaka aliqela sinokukhokelela ekuqokeleleni kobutyebi obuninzi. Ixesha ngenene liqabane lakho elikhulu xa kufikwa kumdla ohlangeneyo.

Yandisa ukuphindaphindwa koKudibanisa

Ukwandisa ukuphindaphindeka kokudityaniswa kungaphucula ngakumbi amandla omdla odibeneyo. Ukudibanisa kunokwenzeka ngenyanga, ngekota, ngesiqingatha sonyaka, okanye ngonyaka, kuxhomekeke kwisithuthi sotyalo-mali. Okukhona inzala isanda kakhulu, kokukhona utyalo-mali lwakho lukhula ngokukhawuleza.

Umzekelo, masithi une-10,000 yeedola otyale imali kwizinga lenzala yonyaka ye-5%. Ukuba inzala iyadityaniswa ngonyaka, emva konyaka omnye, uya kuba ne-10,500 yeedola. Nangona kunjalo, ukuba inzala idityaniswe ngekota, uya kuba ne-$10,512.50 emva konyaka omnye, njengekota nganye, ufumana inzala kwisixa sokuqala kunye nenzala efunyenwe kwikota edlulileyo.

Ngokwandisa ukuphindaphindwa kokudibanisa, unokukhawulezisa ukukhula kotyalo-mali lwakho. Yiyo loo nto kubalulekile ukuqwalasela amaxesha okudibanisa xa ukhetha iindlela zotyalo-mali.

Ukwandisa imbuyekezo ngoTyalo-mali

Ukwandisa imbuyekezo ngotyalo-mali sesinye isicwangciso-qhinga esingundoqo sokwandisa inzala ehlanganisiweyo. Kubalulekile ukukhetha utyalo-mali olunika ibhalansi phakathi komngcipheko kunye nembuyekezo, ukuqinisekisa ukuba imali yakho ikhula ngokuthe ngcembe ngokuhamba kwexesha.

Enye indlela kukwahlula utyalo-mali lwakho kwiiklasi ezahlukeneyo ze-asethi, ezifana nezitokhwe, iibhondi, kunye nezindlu. Oku kunceda ukusasaza umngcipheko kunye nokwandisa imbuyekezo enokubakho. Ukongeza, qwalasela ukutyala imali kwiiakhawunti ezixhaswe yirhafu, njenge-IRAs okanye 401(k)s, ezibonelela ngokukhula okudibeneyo kunye neenzuzo zerhafu.

Hlala uphonononga kwaye ulungelelanise ipotifoliyo yakho yotyalo-mali ukuqinisekisa ukuba ihambelana neenjongo zakho zemali kunye nokunyamezela umngcipheko. Ngokwandisa imbuyekezo ngotyalo-mali olucwangcisiweyo, unokwandisa iinzuzo zenzala edibeneyo kwaye uzuze ukukhula kwemali kwexesha elide.

isiphelo

Ukuqukumbela, inzala ehlanganisiweyo sisixhobo esinamandla sokwakha ubutyebi ngokuhamba kwexesha. Ukuqala kwangethuba, ukwandisa ukuphindaphindeka kokudibanisa, kunye nokwandisa imbuyekezo ngotyalo-mali olucwangcisiweyo zizicwangciso ezingundoqo zokusebenzisa amandla ako apheleleyo. Ngokusebenzisa le migaqo kucwangciso lwabo lwezemali, abafundi banokuzibeka endleleni eya kwimpumelelo yemali yexesha elide.