I-IRR ikunceda uqhathanise ukhetho lwe-Investment
Ukuhamba kwemali (idipozithi kunye nokuhoxiswa), kunye nexesha elingalinganiyo (unqabile ukuba utyalomle ngomhla wokuqala wonyaka kwaye uhoxise utyalo-mali lwakho ngosuku lokugqibela lonyaka), yenza ukubala kubalwe nzima.
Makhe sijonge umzekelo wokubala ukubuyisela usebenzisa inzala elula, kwaye ke siza kujonga indlela ukuhamba kwemali engalingani kunye nexesha kwenza ukuba ukubala kube nzima.
Umzekelo onomdla
Ukuba ubeka i-$ 1,000 ebhankini, ibhanki ikuhlawula umdla, kwaye unyaka owodwa unayo i-$ 1,042. Kule meko, kulula ukubala izinga lokubuyela kwi-4.2%. Ukwahlula ukufumana imali engama-$ 42 kwisabelo sakho sokuqala se-$ 1,000.
Ukungqubuzana kweMali kunye nexesha lokuLinganisa kungenzeki kunzima
Xa ufumana uchungechunge lweengxowa-mali ezingalinganiyo kwiminyaka emininzi, okanye ngaphezu kwexesha elingaqhelekanga, ukubalwa kwezinga langaphakathi lokubuyisela kuba nzima. Masithi uqala umsebenzi omtsha phakathi konyaka. Unako ukutyalomali kwi- 401 yakho (k) ngokuchithwa kwemirhumo yokubhalwa kwemali ngoko yonke inyanga imali iya kusebenza kuwe. Ukubala ngokuchanekileyo i-IRR uza kufuneka ukwazi usuku kunye nemali yedizithi nganye kunye ne-balance balance.
Ukwenza olu hlobo lokubala kufuneka usebenzise isofthiwe, okanye i-calculator yemali, evumela ukuba ufake i-flow flow flows ngezikhathi ezahlukeneyo. Ngezantsi zizinto ezimbalwa ezinokuncedisa.
- Nantsi inqanaba langaphakathi le-intanethi ye-calculator yokubuyisela evumela ukufikelela kwi-entries ye-cash flow ukuya kwiminyaka elishumi elinesihlanu.
- Unokukhuphela kwakhona umlinganiselo we- Microsoft Excel wefayile yespredishithi yokubuyisela, ochaza indlela i-IRR isebenza ngayo kwi-Excel isebenze kwaye ikuvumela ukuba ufake ukuphuma kwemali ukujonga indlela isebenza ngayo.
- Kulabo abathanda ukufundiswa kwe-intanethi, le vidiyo ibonisa indlela yokubala i-IRR kwi-HP12 (c) yokubala.
Kutheni ubala i-Internal Rate of Return?
Kubalulekile ukubala izinga lokubuyela kwangaphakathi kulindeleke ukuba ulandele ngokwaneleyo iindlela zokutshala imali. Ngokomzekelo, ngokuthelekisa intlawulo yangaphakathi eqikelelwayo yokubuyisela kwipropati yotyalomali kwinto yentlawulo yesikhokelo kwi-potifoliyo yemali yenkcazo-mali, unokukwazi ukulinganisa ngokuthe ngcembe imingcipheko eyahlukeneyo kunye neentlawulo ezingenako-kwaye ngoko kulula ukwenza kwisigqibo sokutshala imali oziva ukhululekile ngayo.
Ukubuyiselwa okulindelekileyo akuyona nto yokujonga; Kwakhona liqwalasela izinga lomngcipheko otyalo-mali oluhlukeneyo. Iimbuyekezo eziphezulu ziza neengozi eziphezulu. Olunye uhlobo lomngcipheko ngumngcipheko wobutyebi. Olunye utyalo-mali luhlawula inzuzo ephezulu ngokutshintshiselwa imali engaphantsi-umzekelo, i-CD okanye ixesha elide lihlala lihlawula umyinge ophezulu okanye umlinganiselo wekhuphoni kunokuba ukhethe ixesha elifutshane nje ngokuba wenze imali yakho ixesha elide.
Amashishini asebenzisa izinga langaphakathi lokubuyisela ukubala ukuthelekisa enye inotyalo-mali enye. Abatyalomali kufuneka bawasebenzise ngendlela efanayo. Ekucwangciseni umhlala phantsi, sibalwa ubuncinane bokubuya okufunekayo ukuba ufezekise ukuhlangabezana neenjongo zakho kwaye oku kunokukunceda ukuba uhlole ukuba ingqinisiso okanye ingenjalo.
Imilinganiselo yangaphakathi yokubuyiselwa ayiyiyo efanayo nexesha elibuhlungu elibuyiselweyo
Uninzi lweemali kunye kunye nolunye utyalo-mali olubika ingxelo yokubuyisela into ebizwa ngokuba yi-Time Weighted Return (TWRR). Oku kubonisa indlela enye idola eyatyalwe ngayo ekuqaleni kwexesha lokunika ingxelo.
Ngokomzekelo, ukuba bekuyiminyaka emihlanu yokubuya ekupheleni kwe-2015, iya kubonisa iziphumo zokutyalomali ngoJanuwari 1, 2001, ngo-Disemba 31, 2015. Bangaphi kuwe otyalo-mali omnye kwisikolo sonyaka ngamnye? Ngenxa yokuba abaninzi abantu abatyala imali ngale ndlela kukho ukungafani okukhulu phakathi kweentlawulo zentalo-mali (ezo zishicilelwe yinkampani) kunye nokubuyiselwa kotyalo-mali (oko kubuyiselwa ngamnye umtyalomali-mali ngamnye).
Njengomtyalo-mali, ukubuyiswa kwexesha elilinganisiweyo akubonisi ukuba yintoni ukusebenza kwakho kwe-akhawunti okwenziweyo ngaphandle kokuba ungenayo idiphozithi okanye ihoxiswa ngexesha elibonisiweyo. Yingakho izinga langaphakathi lokubuyela liba ngumlinganiselo ochanekileyo kweziphumo zakho xa utyalomali okanye uhoxisa ukuhamba kwemali ngokwexesha elifanelekileyo.