Hlola indlela oyiNtsebenzo Yotyalo-mali ngokubala Ukubuyiswa kweNkcitho kunye neCAGR
Isingeniso kwi-Concept of Total Return
Ukubuyela ngokupheleleyo kutyalo-mali kubhekiselele kwaye kulula. Ngokwenene, uxelela umnini-mali ukuba i-percentage gain or loss in assets based on price of purchase. Ukubala ukubuyela okupheleleyo, ukwahlula ixabiso lokuthengisa kweso sikhundla kunye naziphi na izabelo ezifunyenwe ngeendleko zayo zonke. Ngokwenene, oku kusebenza kwimali eyinzuzo kunye nenzuzo njengepesenti yemali oyithengayo ukuthenga utyalo-mali.
Indlela yokubala Ixabiso elipheleleyo
Umtyalo-mali unesiseko seendleko ze-$ 15,100 kwi-stock ye-PepsiCo (uthenge i-stock ye-Pepsico engu-15,000 eyi-$ 000 kwaye wahlawula iikomishoni eziyi-100 zama-commissions ekuthengeni nasekuthengiseni i-oda). Wathola i-$ 300 yemali ekhethiweyo ngexesha lokubanjwa kwakhe kwesitokisi. Kamva, wathengisa i-$ 35,000. Yayiyiphi imbuyekezo yayo yonke?
Siyakwazi ukucwangcisa iinguqu kwiifom yokubuyisela ukufumana impendulo yethu. Okokuqala, sithatha i-$ 35,000 efunyenwe xa kuthengiswa isitokhwe kwaye songeza ii-300 zamaxabiso zemali ezifunyenweyo ukufumana i-$ 35,300.
Emva koko, sihlula ngoku ngexabiso lentlawulo ye-$ 15,100. Isiphumo si-2.3377% okanye i-133.77% ukubuyela okupheleleyo kwinqununu etyalo-mali (khumbula ukuba i-1.0 yenani elibuyayo yinqununu ngoko kufuneka sikhuphe ngaphandle ukuba sifuna ukubonisa inzuzo okanye ukulahleka njengepesenti; 2.3377 - 1.0 = 1.3377, okanye 133.77% ibonisa njengepesenti.
Ukuba isiphumo sibe yi-1.5, ukubuyela okupheleleyo kubonakaliswe njengepesenti bekuyi-50% (1.5 - 1.0 = .5, okanye i-50%)).
Ngaba le yimivuzo efanelekileyo yokubuyela kwi-mali ? Ixabiso lokubuyisela alikwazi ukuphendula lo mbuzo kuba awuqwalasele ubude bexesha utyalo-mali lwenziwa. Ukuba umtyalo-mali wathola i-133.77% kwiminyaka emihlanu, yimbangela yokubhiyozela. Nangona kunjalo, kuthatha iminyaka engamashumi amabini ukuvelisa ukubuyisela okunjalo, oku bekuya kuba utsalo-mali olubi.
Isingeniso kwi-Concept ye-Compound Rate Growth Rate (CAGR)
Ukulungelelanisa ukuphendula malunga nobude bexesha elithathiweyo ukuvelisa ukubuyela okupheleleyo, umtyalomali unesidingo sometri onokuqhathanisa ukubuya okuveliswe ngotyalo-mali ohlukeneyo kwixesha elifanelekileyo. Le yilapho iCAGR ifika ekuhlanguleni. I-CAGR ayibonakali ngokwenene kwezomnotho ngendlela ethile kodwa ke, yinto engundoqo yezemfundo. Isikhundla sesitokethi sinokuphakama ngama-40% ngonyaka omnye phantsi kwe-5% elandelayo. I-CAGR inikeza ukubuyiswa kwonyaka-mali olo hlobo lotyalo-mali njengokuba lukhulile ngokukhawuleza, nangantoni. Ngamanye amagama, kukuxelela ukuba uninzi kangakanani ufanele ufumane unyaka ngamnye, uhlanganiswe kwinqununu yakho, ukuba ufike kwixabiso lokugqibela lokuthengisa. Ulendo lwehlabathi lokwenene lunokuba (kwaye kaninzi lukhona) lukhulu kakhulu.
Ngokuqhelekileyo zonke izityalo-mali ezithandekayo kwimbali ziye zayehla ukuhla kwe-50% okanye ngaphezulu, ukuphakama kwinqanaba, ngexesha lonke ukwenza abanikazi babo bezityebi.
"Ngaba awukwazanga nje ukubuyisela okulula nokuzahlula ngenani leminyaka utyalo-mali lwenziwa?" ungacela. Ngelishwa, akukho. Ukuze siqonde isizathu, buyela kumzekelo wethu wePepsiCo uze ucinge ukuba utyalomali wayebambe isikhundla sakhe iminyaka elishumi. Umntu ongaqondi imathematika angahlula ukubuyiswa kwenani le-133.77% ngeminyaka eyi-10 kwaye abale ukuba ukubuyela kwakhe ngonyaka bekuyi-13.38%. Zama ukuqwalasela izibalo usebenzisa ixabiso elizayo lomlinganiselo owodwa. Ukuba uyenzayo, uza kubona ukuba utyalo-mali lwama-15,000 ayi-13,3% ngonyaka, bekuya kuba nexabiso lokuphela kwe-$ 52,657; ukulila kude kwi-35,000 yeedola apho utsalomali lwathengiswa khona.
Isizathu sokungalingani kukuba le ndlela engalunganga ayithathi ingqalelo. Isiphumo sisiphumo esibi kakhulu sokubuyisela okwenziweyo umtyalomali owonwabileyo ngonyaka.
Indlela yokubala i-Compound Rate Growth Rate (CAGR)
Ukuze ubale i-CAGR, kufuneka uqale ngokubuyisela ngokupheleleyo. Ngomzekelo wethu olapha ngasentla, ubuyonke buyi-2.3377 (133.77%). Siyazi kwakhona ukuba utyalomali lwabanjwa iminyaka elishumi.
Yandisa inani eliphindayo (2.3377) nge-X ingcambu (X kuba inani leminyaka utyalo-mali lwenziwa). Oku kungenziwa lula ngokuthatha imvelaphi yeengcambu kwaye uyisebenzise njengento ebonakalayo. Ngokomzekelo wethu, 1/10, okanye .10 (enenani leminyaka libe li-2, unako ukuthatha i-1/2 okanye .5 njengento ebonakalayo, iminyaka engama-3 yayiya kuba yi-1/3 okanye .33 njengemvume, iminyaka emine bekuya kuba ngu-1/4, okanye .25, njalo njalo njalo njalo.)
Kumzekelo wethu ongentla, iCAGR iya kubalwa ngolu hlobo lulandelayo:
2.377 (.10) = 1.09, okanye i-9% inqanaba lezinga lokukhula ngonyaka (kwakhona, khumbula i-1.0 ibonisa ixabiso eliyintloko ekufuneka lisuswe; i-ergo, i-1.09-1.0 = .09, okanye i-9% ye-CAGR iboniswe njengepesenti).
Ngamanye amazwi, ukuba uzuzo lwe-PepsiCo luye lwahlulwa, utyalo-mali lwanda ngo-9% luqulunqwa ngonyaka. Ukujonga umphumo, sebenzisa ixabiso elizayo lemali enye. Ngokwenene, oku kuthetha ukuba ukuba umtyalomali uthathe imali eyi-15,000 kwi-bhanki iminyaka elishumi kwaye athola imali engama-9% kwimali yakhe, uya kuphelisa nge-balance ye $ 35,300 ekupheleni kwexesha.
Imizekelo Eminye Yokubonisa Indlela Yokubala I-Compound Rate Growth Rate (CAGR)
Iminyaka engamashumi amathathu edlulileyo, uMichael Adams wathenga ama-$ 5,000 ama-Wing Wang Industries Inc. Ngoku kutshanje uthengise i-stock $ 105,000. Ngethuba lokubamba kwakhe, wathabatha i-16,500 zamaRandi ngezibonelelo zemali. Zombini ii-commissions zakhe zokuqala nezithengisayo zaziyi-$ 50 nganye. Bala inani lokubuyela kunye ne-CAGR kwindawo yakhe yokutshala imali.
Inyathelo 1: Bala inani elipheleleyo lokubuyela
Ama-105,000 amawaka afunyenwe xa kuthengiswa + $ 16,500 i-dividend cash received = $ 117,000
---------------------- (ihlulwe yi) ----------------------
Utyalo-mali lwama-5,000 we-$ + $ 100 ama-commissions = isiseko seendleko ze-$ 5,100
= 22.94 ukubuyela ngokupheleleyo (khumbula, ukuba ubufuna ukuvakalisa ukubuyela okupheleleyo njengepesenti, kufuneka uthabathe 1 (umz. 22.94 - 1), ukufumana u-21.94, okanye i-2,194%.)
Inyathelo 2: Bala i-CAGR
Fumana impembelelo ye-X ingcambu (1/30 iminyaka = 0.33)
22.94 (.033) = 1.1098, okanye 10.98% CAGR
(Kwakhona, khumbula ukuba ukuze uvakalise njengepesenti, kufuneka ususe umphumo we-1 (umzekelo, 1.1098 - 1 = .1098, okanye 10.98% CAGR.)
Kuzo zonke, ukubuyiswa okufanelekileyo kwexesha.
Ukuzama ukuzama omnye? Kulungile. Masihambe.
UJasmine Washington wathenga i-$ 500 yeempahla eziqhelekileyo eMidwest Bank Inc. Ngoku kutshanje wathengisa utyalomali kwi-15,000 yee-$ kwaye wafumana izabelo zemali ezingama-2 500 kwixesha lakhe lokubamba iminyaka emine. Wahlawula i-250 engama-commissions. Iyintoni iCAGR yakhe?
Inyathelo 1: Bala inani elipheleleyo lokubuyela
Ama-15,000 ayi-15,000 athathwe xa kuthengiswa + i-$ 2,500 yemali yemali efunyenwe = $ 17,500
---------------------- (ihlulwe yi) ----------------------
Ukutshala imali eyi-12 500 $ + iikhomishini ezingama-250 = i-12,750 yeendleko zexabiso
= 1.37 ukubuyela ngokupheleleyo
Inyathelo 2: Bala i-CAGR
1.37 (.25) = 1.08, okanye i-8% yeCAGR
Ezinye iingcamango zokugqibela malunga neRhafu yeNtlawulo kunye neCAGR
Ndiye ndathetha ngokukodwa kwixesha elidlulileyo malunga nendlela abatyali-mali abatyhulwa ngayo ukungayihoyi ibuyiselo elipheleleyo, ekugqibeleni into eyona nto ibalulekileyo xa usuhlengahlengele umngcipheko nokuziphatha. Omnye umzekeliso yindlela indlela amatshathi amatshini amatshini akha ngayo. Oku kubalulekile kwimiphumo yehlabathi ngokwenene kuba unokukwazi ukuphucula izinto eziphathekayo ekusebenzeni kwakho utsalo-mali, kwaye wenze izigqibo ezinolwazi ngokubaluleka, ngokugxininisa ukubuyisela.
Khawucinge nge- stocks yangaphambili yeblue blue , e-Eastman Kodak echithwe ngoku. Ngezabelo zokucinywa, ungacinga ukuba umtyalo-mali osisigxina angenzi kakuhle, akunjalo? Ukuba wayeya kulahleka yonke imali ebekwe engozini? Akunakudutshulwa elide. Nangona bekube ngcono kakhulu, ngokucacileyo, umnini we-Eastman Kodak iminyaka engama-25 ngaphambi kokususwa kwakhe kwakuya kuba neyadlula emithandathu imali yakhe ngenxa yemali yokubuyisela iyonke iqhutywe yimirhumo kunye ne -spin- ukucima . Ukongezelela, kukho iintlawulo zerhafu kwi-bankruptcy ekugqibeleni, ukuba abatshali-mali abaninzi, banokukhusela inzuzo yoluzaliso lwexesha elizayo, ngokukhawuleza ukunciphisa. Inxulumene nesimo esibizayo, " izibalo zeendlela ezahlukeneyo ".
Ngesihloko sesilinganiselo sokwanda komnyaka, into ebalulekileyo kukuzibandakanya indlela enamandla ngayo okungaphezu kwexesha elide. Ipesenti eyongezelelweyo okanye ezimbini ngaphezu kweminyaka engamashumi amabini anesihlanu okanye iminyaka engamashumi amahlanu, apho abasebenzi abaninzi baya kuba nethamsanqa ngokwaneleyo ukuba bafumane ukuba baqalisa inkqubo yotyalo-mali kwangaphambili, kunokuthetha ukumahluko phakathi komhlala-phantsi ongaphantsi kunye nokuphelela phezulu kwerhafu eninzi. Nanini na ukuba iindaba zizaliswe kunye nomnye umncinci-umvuzo ofumana i-janitor efa kunye nokushiya ngasemva imfihlelo yamaphepha-dolophu yezigidi ezininzi, enye yeengqungquthela eziqhelekileyo kukuba umntu owakhiwe ubukumkani abucala wabamba i-CAGR eninzi kwiintlobo ezininzi, ezininzi. Le ngenye yezizathu ezibalulekileyo ukuphepha izinto ezifana ne- stock shorting , ukurhweba kwimida , kwaye uzivelele kumngcipheko we-blow-up.