Kuyini kwakwakhe nesithakazelo futhi yini inzuzo yayo?

Ngaphambi umuntu ngamunye abafisa ukuvula i-akhawunti yasebhange, umsebenzi ukukhetha okungcono futhi enenzuzo kakhulu akhawunti yasebhange hlobo. Futhi uma ucishe ecacile namabhange - kungenzeka indlela izilinganiso eziningi bese ukhetha ehhovisi, esemgwaqweni Awukude nendawo yokuhlala, kusukela kukhethwa uhlobo lwe-akhawunti isimo eziyinkimbinkimbi kakhulu kangakanani. Ngenxa ngaphezu kwesilinganiso kwezinhloso zenzuzo kufanele kubhekwe ngisho kungenzeka idiphozi umthamo wemvula, ukuhoxiswa ekuqaleni, indlela ezithakazelisayo ukubala nezinye izinto. Ngaphezu usayizi iphesenti ke kubaluleke kakhulu ngohlobo lwaso. Cabanga ngokuningiliziwe kuhluka elula futhi amaphesenti eziyinkimbinkimbi.

Isithakazelo Simple. ukubala ifomula

Nge isithakazelo elula , yonke into icacile, ngoba ufundwa esikoleni. Into kuphela okudingeka sikukhumbule ukuthi inani lenzalo njalo wabonisa wonyaka. Ngokushesha ifomula ngokwayo ifomu:

CC = NA + NA * i * NA = n * (1 + i * n), lapho

NA - lemali kokuqala,

COP - isamba sokugcina,

i - ukubaluleka inani lenzalo. Ukuze lifake isikhathi esiyizinyanga 9 kanye izinga 10%, i = 0,1 * 9/12 = 0.075 noma 7.5%,

n - inani lezinkathi ezihlanganisiwe.

Cabangela lezi zibonelo ezimbalwa:

1. zimali ubeka ayizinkulungwane 50. Ruble ngokuba idiphozi term ngo 6% Apr izinyanga 4.

COP = 50000 * (1 + 0,06 * 4/12) = 51000,00 p.

2. Term idiphozi 80 eziyinkulungwane. Ruble ngaphansi 12% ngonyaka iminyaka 1.5. Kulokhu, inzalo ekhokhiwe nsuku wekota ekhadini (i idiphozi ayixhunyiwe).

COP = 80000 * (1 + 0,12 * 1,5) = 94400,00 p. (Njengoba izinkokhelo wekota kwezinhloso zenzuzo akuyona kwengezwe kwinani idiphozi, isamba sokugcina kulesi simo akusona abathintekayo)

3. zimali wanquma ngabeka ama-ruble 50,000 ngoba idiphozi a gama 8% ngonyaka izinyanga ezingu-12. Ivunyelwe ubuyise idiphozi futhi akhawunti replenishment kwenziwe ezinsukwini 91 in inani ruble 30,000.

Kulokhu, udinga ukubala nesithakazelo amanani amabili. Okokuqala - lokhu 50,000 p. futhi 1 unyaka, kanti eyesibili ruble 30,000 futhi kwezinyanga ezingu-9.

KC1 = 50000 * (1 + 0,08 * 12/12) = 54000 ku p.

KC2 = 30000 * (1 + 0,08 * 9/12) = 31800 ku p.

CS = CS1 + CS2 = 54000 + 31800 = 85800 p.

Isithakazelo Compound. ukubala ifomula

Lokha nangabe ubujamo idiphozi ibonisa ukuthi osonhlamvukazi kungenzeka noma reinvestment, kuthiwa kulesi simo, ingasetshenziswa isithakazelo kwakwakhe ngeke, okuyinto ukubala wenziwa ku le ndlela elandelayo:

COP = (1 + i) ⁿ * NA

Amagama ziyefana ku-formula abantu abaningi ababebonisa isithakazelo elula.

Kuqondane ukuthi isithakazelo ikhokhelwa ngaphezulu kokukodwa ngonyaka. Kulokhu, eziyinkimbinkimbi iphesenti ibalwa kancane ehlukile:

COP = (1 + i / a) ^nk * NA, lapho

ukuze - imvamisa imali ngonyaka.

Buyela emuva isibonelo sethu, lapho Bank usefunde idiphozi term ruble ayizigidi ezingu-80. Kweminyaka engu-12% ngonyaka iminyaka 1.5. Lokucabanga ozithandayo futhi ekhokhwa njalo ngekota, kodwa ngalesi sikhathi zizofakwa emzimbeni idiphozi. Lokhu kusho ukuthi izofaka khona imali nge nosonhlamvukazi.

COP = ^{(1 + 0.12 / 4) 4} * 1.5 * 800000 = 95524.18 p.

Njengoba ungase kakade waphawula, umphumela wawuba ruble 1124,18 ngaphezulu.

Inzuzo lezikhathi ezihlanganisiwe

Kwakwakhe nesithakazelo njengoba kuqhathaniswa elula njalo kuletha inzuzo ngaphezulu, futhi lo mehluko anda ngokuhamba kwesikhathi ngokushesha kakhulu. Le ndlela yokwenza uyakwazi ukuguqula yimuphi enhlokodolobha ukuqala e umshini inzuzo kakhulu akudingeki kuphela amnike isikhathi esanele. Ngaleso sikhathi, u-Albert Einstein ngokuthi kwakwakhe nesithakazelo ungamandla amakhulu kunawo wonke ngokwemvelo. Uma kuqhathaniswa nezinye izinto izinhlobo ukutshalwa ezifana uhlobo umnikelo kunezinzuzo abalulekile, ikakhulukazi uma zimali ekhetha esikhathini eside. Kuqhathaniswa esitokisini, isithakazelo kwakwakhe nengozi ingasaphathwa nezibopho esitebeleni ukuthela ngenzuzo kancane. Yiqiniso, noma ikuphi yasebhange angagcina zonakale (noma yini kungenzeka), kodwa ukhetha inhlangano yezimali iqhaza ku isimo umshwalense idiphozi scheme, okungase ziyancipha futhi ingozi.

Ngakho, singasho ukuthi kwakwakhe nesithakazelo kuyinto amathemba mkhulu kakhulu kunanoma ne cishe kunoma iyiphi instrument yezimali.