Kunzwisisa Nheyo yeKufarira Kwakabatana
Mubereko wakabatana ndeimwe yepfungwa dzakakosha muzvemari, kungave kwekuchengetedza mari, kuisa mari, zvikwereti, kana kuronga mari kwenguva refu. Vanhu vazhinji vakanzwa nezvezwi iri, asi havasi vese vanonzwisisa zvizere mashandiro aro uye kuti nei richigona kukanganisa kukura kwemari yako. Chinyorwa chino chichatsanangura musimboti wemubereko wakabatana mumutauro uri nyore kunzwisisa, pamwe chete nemienzaniso yakapusa kuitira kuti ugone kuishandisa musarudzo dzako dzemari dzezuva nezuva.
Chii chinonzi compound interest?
Muchidimbu, mubereko wakabatana imubereko unoverengerwa kwete chete pamutengo wekutanga asiwo pamutengo waive waunganidzwa kare. Kusiyana nemubereko wakabatana, uyo unongoverengera mubereko pamutengo wekutanga chete, mubereko wakabatana unobvumira mari kukura nekukurumidza nekuda kwemhedzisiro yemubereko nekufamba kwenguva.
Semuenzaniso, kana ukachengetedza mari muchinhu chinopa kudzoka, munguva yekutanga unowana mubereko pamari yaunoisa. Munguva dzinotevera, mubereko uchaverengerwa pamari yakawanda, sezvo yakawedzerwa pamubereko wenguva yapfuura. Izvi ndizvo zvinowanzonzi "mubereko wecompound."
Nheyo huru: nguva ndiyo inonyanya kusarudza
Pfungwa yekutanga yekunzwisisa ndeyekuti: mubereko wakabatana une simba nekuda kwenguva. Mari inobvumirwa kukura kwenguva refu, ndipo panowedzera mugumisiro wekuwedzera. Vanhu vazhinji vanofunga kuti chinhu chikuru chiri muhukuru hwemari yekutanga, asi kazhinji, kuchengetedza kwenguva refu uye nguva dzose kune simba guru.
Semuenzaniso, vanhu vaviri vanochengetedza mari nemutengo wakafanana wekudzoka. Munhu wekutanga anotanga pazera remakore makumi maviri, uye wechipiri pazera remakore makumi matatu. Kunyangwe zvazvo mari yavanoisa yakafanana, munhu wekutanga anowanzova nemubairo wekupedzisira wakakwira nekuti mari yavo ine makore gumi e "compound interest".
Fomura yemubereko wakabatana
Kuti unzwisise kuti ungaverenga sei, heino fomura yekutanga ye compound interest:
A = P (1 + r/n)^(n×t)
Information:
– A: kukosha kwekupedzisira (kukosha kweramangwana)
– P: kutanga kwebhii guru (guru)
– r : mubereko wegore (muchimiro chedesimali, semuenzaniso 10% = 0,10)
– n : kuwanda kunowedzera kaviri pagore (semuenzaniso 12 pamwedzi)
– t: nhamba yemakore
Kana kupetwa kaviri kukaitwa kamwe chete pagore (n = 1), fomura inova nyore:
A = P (1 + r)^t
Fomura iyi inoratidza kuti kukosha kwekupedzisira kunowedzera nekukurumidza, kwete zvakananga. Uyu musiyano mukuru kubva kune simple interest.
Muenzaniso uri nyore kunzwisisa
Fungidzira kuti une mari yekutanga yeIDR 10.000.000 uye uchiwana purofiti ye10% pagore.
1) Kufarira kuri nyore (kwekuenzanisa)
Kana mubereko uri 10%, uchagamuchira Rp1.000.000 gore rega rega (10% yeRp10.000.000). Mumakore mashanu, mubereko wese uchava Rp5.000.000, zvichiunza kukosha kwese kuRp15.000.000.
2) Mubereko wakabatana
Gore rekutanga: Rp10.000.000 × 1,10 = Rp11.000.000
Gore rechipiri: Rp11.000.000 × 1,10 = Rp12.100.000
Gore rechitatu: Rp12.100.000 × 1,10 = Rp13.310.000
Gore rechina: Rp13.310.000 × 1,10 = Rp14.641.000
Gore rechishanu: Rp14.641.000 × 1,10 = Rp16.105.100
Mumakore mashanu, mhedzisiro yacho iRp16.105.100—inopfuura mubereko wemubereko. Musiyano wacho uchatowedzera kana nguva yareba.
Kuwanda kaviri: gore rega rega, mwedzi wega wega, zuva nezuva
Imwe pfungwa inokosha ndeyekuti mubereko unowedzera kakawanda sei. Kana mubereko "uchiwedzerwa" kakawanda kumari yekutanga, mari yacho inokura nekukurumidza. Semuenzaniso, mubereko we12% pagore unozopa mutengo wakasiyana kana ukaverengerwa pagore pane wepamwedzi, kunyangwe mubereko wepagore wakafanana.
Muchokwadi, zvigadzirwa zvemari zvakawanda zvinoverenga goho kana mubereko wakawanikwa pamwedzi kana kunyange zuva nezuva. Kunyange hazvo mutsauko wacho ungaratidzika semudiki munguva pfupi, mhedzisiro yenguva refu inogona kuva yakakosha.
Mutemo we72: nzira inokurumidza yekuwedzera mari yako kaviri
Pane nzira inozivikanwa yekufungidzira kuti zvinotora nguva yakareba sei kuti mari yako iwedzere kaviri neinterest, inonzi Mutemo we72:
Nguva yekuwedzera kaviri ≈ 72 / mubereko wepagore (%)
Muenzaniso:
– Kana goho riri 8% pagore, mari yacho ichapetwa kaviri mugore ra72/8 = makore matanhatu.
– Kana goho riri 12% pagore, mari yacho ichapetwa kaviri mugore ra72/12 = makore matanhatu.
Iyi ingori fungidziro, asi inobatsira kuwana pfungwa pfupi yesimba rekukura kwemakemikari.
Kufarira kwakawanda muhupenyu chaihwo: mari yekudyara uye chikwereti
Mubereko wakawedzerwa haungoshandi kwauri chete, unogona zvakare kukukanganisa—kunyanya pachikwereti chine mubereko wakakwira.
1) Paunoisa mari
Zvishandiso zvakaita semari yemutero, masheya, mabhondi, mari yekuisa mari muzvikwereti, kana mari yepensheni zvinogona kuunza purofiti inochinja-chinja, asi musimboti wekuunganidza purofiti nekufamba kwenguva unoramba wakafanana: kuisa purofiti muzvikwereti kunokurumidza kukura. Nokudaro, nzira yekuisa purofiti muzvikwereti inowanzoonekwa seinokosha pakudyara mari kwenguva refu.
2) Kana uine chikwereti
Nemakadhi echikwereti, zvikwereti zvevatengi, kana chimwe chikwereti chine mubereko wakakwira, mubereko wakapetwa unogona kukurumidza kuwedzera kana kunyange muripo mudiki usingakwani kufukidza mubereko. Vanhu vanowanzobatwa nekuti zvikwereti zvavo zvinokura nekufamba kwenguva nekuda kwekuwedzera kwemubereko. Kunzwisisa mubereko wakapetwa kunogona kukubatsira kuti uchenjerere: kubhadhara chikwereti chine mubereko wakakwira nekukurumidza, kana kudzivirira chikwereti chine mubereko wakawandisa.
Zvinhu zvinokanganisa mhedzisiro yemubereko wakawanda
Pane zvinhu zvakawanda zvinosarudza kuti uchawana purofiti yakawanda sei:
1) Mubereko/goho (r)
Kana mwero wacho wakakwira, kukura kwacho kunokurumidza. Zvisinei, purofiti yakakwira inowanzouya nenjodzi dzakakura.
2) Nguva (t)
Kana nguva ikareba, ndipo panowedzera simba remushonga wacho. Ichi ndicho chinhu chakaoma "kuchigadzirisa" kana ukatanga wanonoka.
3) Kuwanda kaviri (n)
Mwedzi wega wega kana zuva nezuva zvinowanzopa purofiti yakakura zvishoma pane yegore negore.
4) Kuenderana kwemari yakaiswa
Kuchengeta mari nguva dzose (semuenzaniso, mwedzi wega wega) kunogona kukurumidzisa kuunganidza mari, kunyanya kana ikashandiswa nekukurumidza.
Zvikanganiso zvinowanzoonekwa pakunzwisisa kufarira kwakabatana
Zvimwe zvikanganiso zvakajairika:
- Kufunga kuti mubereko wakabatana unogara uripo pahuwandu hwakatarwa. Mukudyara mari senge masheya kana mutual funds, kudzoka kunogona kuchinja-chinja.
– Haifungi nezvemari yekufambisa nemitero. Mari yekutarisira, mitero yemubereko, kana mari yekutengeserana zvinogona kuderedza kudzoka kunobudirira.
- Kunonoka kutanga kuisa mari. Vanhu vazhinji vanomirira "nguva chaiyo," apo nguva ndiyo inonyanya kukosha.
– Usafuratire kukwira kwemitengo. Kukosha kwemari mune ramangwana kunogona kudzikira nekuda kwekukwira kwemitengo; saka, sarudza zvishandiso zvinogona kukunda kukwira kwemitengo kana zvinangwa zvako zviri zvenguva refu.
Maitiro ekushandisa zvakanakisisa mubereko wakabatana
Heano mamwe matanho anobatsira aunogona kutora:
1) Tanga nekukurumidza sezvinobvira, kunyangwe nechikamu chidiki.
2) Isa mari nguva nenguva (nzira yekuisa mari muzvikamu/kudyara mari nguva nenguva).
3) Dzorera purofiti, usakurumidza kubvisa purofiti kana chinangwa chako chiri chenguva refu.
4) Sarudza zvishandiso zvinoenderana neruzivo rwako rwenjodzi nezvinangwa (kuchengetedza mari yekukurumidza kwakasiyana nemari yepensheni).
5) Dzivisa chikwereti chine mubereko mukuru chinogona "kukunda" kukura kwemari yako.
Penutup
Kunzwisisa musimboti wemubereko wakabatana kunokubatsira kuona mari kwete sechinhu chekungochengetedzwa chete, asi sechinhu chinogona "kushanda" nekufamba kwenguva. Nekufamba kwenguva, kugara kwenguva refu, uye nzira chaiyo, mubereko wakabatana unogona kuva chishandiso chiri nyore asi chine simba chekuzadzisa zvinangwa zvemari—kubva pamari yedzidzo kusvika pakutenga imba kusvika pakurega basa. Kusiyana neizvi, kana usinganzwisiswi, mubereko wakabatana pachikwereti unogona kuva mutoro wakakura. Nokudaro, kana ukanzwisisa nekukurumidza uye ukaushandisa, mabhenefiti aunowana anogona kukura nekufamba kwenguva.
