Indlela inomdla inzala yenza ukuba iakhawunti ikhule
Iyintoni Inzala enomdla?
Ukuhlanganiswa yinkqubo. Ukuba uyazi kakuhle "impembelelo yebhola le-snowball," sele usayazi indlela into eyakhayo phezu kwayo.
Inzala enomdla yenzalo efunyenwe ngemali eyayifunyenwe ngaphambili. Lo mjikelo ukhokelela ekunyuseni inzala (kunye namanani e-akhawunti) kwinqanaba elikhulayo - ngezinye amaxesha elibizwa ngokuba yi-growth growth.
Qala ngemeko yenzalo elula: ubeka imali, kwaye ibhanki ikuhlawulela inzala kwidiphozithi yakho. Ngokomzekelo, unakho ukufaka i-$ 100 ngomnyaka omnye kuma-5 eepesenti, kwaye uza kufumana i-$ 5 ngomdla kulo nyaka.
Kwenzeka ntoni ngonyaka ozayo? Yilapho ukuhlanganiswa kungena khona. Uza kuqala ukufumana inzala kwi-deposit yakho yokuqala kwaye uza kufumana inzala kumdla owawuthola nje:
Uya kufumana ama-5 ekhulwini kwi-100 yakho ye-$ (kwakhona)
Uya kufumana ama-5 ekhulwini kwi-$ 5 yemali efunyenwe yibhanki kwi-akhawunti yakho
Oko kuthetha ukuba uza kuzuza ngaphezulu kwe-5 ezayo ngonyaka (ngokuba ibhalansi yakho ye-akhawunti manje i-$ 105 - nangona awuzange wenze nayiphi na idipozithi), ngoko ke umvuzo wakho uya kukhawuleza. Kwiibhanki ezininzi, ngokukodwa ibhanki ye-intanethi , inzala ibandakanywa imihla ngemihla kwaye yongezwa kwi-akhawunti yakho nyangazonke, ngoko ke inkqubo ihamba ngokukhawuleza.
Ewe, ukuba uboleka imali, udibanisa imisebenzi yakho. Uhlawula umrhumo ngemali oyibolekisileyo, kwaye ibhalansi yakho yemali mboleko inokunyuka ngaphezu kwexesha - nokuba awuyiboleki imali enye.
Thatha inzuzo yeNzala
Unokuqiniseka njani ukuba ukudibanisa kusebenza ngokuthandayo?
Gcina kusasa kwaye rhoqo: xa ukhula ukonga kwakho, ixesha lakho ngumhlobo wakho.
Kuthatha ixesha lokuba uzuke, kodwa loo mandla iya kwakha kwaye ekugqibeleni izuze amandla. Kwezinye iimeko, ukuqala kwangoko kuthetha ukuba akudingeki ukuba ulondoloze ngokungathi umntu olindele ukuqala ukulondoloza - nokuba uyeka ukugcina ngexesha elithile, ikhanda lakho liqala ukuhlawula iindleko kamva. Yiba nomonde, shiya imali yakho yodwa, ucinge ixesha elide.
Hlola i-APY: ukuthelekisa iimveliso zebhanki ezifana ne-akhawunti yokulondoloza kunye neeCD, jonga i- percentage yield yield (APY) . Oku kuthatha ingqalelo kwi-akhawunti kwaye inike isantya sonyaka wenyani. Ngethamsanqa, kulula ukuyifumana - ibhanki ipapasha i-APY kuba iphezulu kunezinga lentengo. Zama ukuthola ixabiso elifanelekileyo kwi-savings yakho, kodwa mhlawumbi akufanelekanga ukutshintsha ibhanki malunga ne-0.10 yeepesenti (ngaphandle kokuba unayo ibhalansi enkulu ye-akhawunti).
Ukuhlawula amatyala ngokukhawuleza kwaye uhlawule xa unako . Ukuhlawula ubuncinci kumakhadi wakho eemboleko kuya kuhlawula ixabiso ngenxa yokuba awuyi kuyenza idoti kwiintlawulo zenzalo (kwaye ibhalansi yakho inokukhula ngokwenene). Ukuba unemali-mboleko yomfundi, thintela ukuhlawula iindleko zenzalo- ukuhlawula ubuncinci umdla njengoko ukhula kangangokuba awufumani ngothusekiso emva kokugqiba. Nangona ungekho ukufuneka uhlawule, uya kuzinceda ngokunciphisa iindleko zakho zokuphila.
Qhubeka uboleka amazinga aphantsi: Ukongeza kokuchaphazela intlawulo yakho yenyanga , inzala yemali mboleko yakho ichaza ukuba ityala lakho liya kukhula ngokukhawuleza kangakanani (kwaye kuya kuba nzima kangakanani ukuyihlawula). Amanani amadijithi amabini anzima ukulwa nawo. Qaphela ukuba kunengqiqo ukuhlanganisa izikweletu nokunciphisa amaxabiso enzala xa uhlawula ityala.
Ukulinganiselwa: ukudibanisa kunokukunceda ukhule imali yakho, kodwa iyawa nje imfutshane. Ukuze usebenzise inzuzo yokuqulunqa, kufuneka ugcine imali, uyifake kwi-akhawunti, kwaye ufumane imali ekulondolozeni kwakho. Ukugqiba kunye naluphi na ulondolozo olunentsingiselo , kufuneka wenze oku ngaphezulu kwenyanga emva kwenyanga nangonyaka emva konyaka. Ukuhlanganiswa akunakukwenza ukuphakamisa okunzima kuwe.
Yintoni Eyenza Inomdla Inamandla?
Ukuhlanganiswa kwenzeka xa umdlalo ubalwa ngokuphindaphindiweyo.
Umjikelezo wokuqala okanye amabini awawunomdla, kodwa izinto ziqala ukuthabatha emva kokuba ungeze umnxeba ngokuphindaphindiweyo.
Zingaphi kangangexesha: ukuphindaphinda kokubaluleka kubalulekile. Ukubala ngokuphindaphindiweyo (imihla ngemihla) unokufumana iziphumo ezingaphezulu. Xa uvula i-akhawunti yokulondoloza, khangela ii-akhawunti ezibandakanya imihla ngemihla. Unokubona kuphela iintlawulo zenzalo ezongeziweyo kwi-akhawunti yakho nyanga zonke, kodwa izibalo zisenokwenziwa imihla ngemihla. Ezinye iingxelo zibala kuphela inzala yenyanga okanye ngonyaka.
Kude kube nini: ukuhlanganiswa kukugqithise ngakumbi ixesha elide. Kwakhona, unombolo ephezulu yokubala okanye "iikhredithi" kwi-akhawunti xa imali ishiywe yodwa ukuze ikhule.
Ezinye izinto: inzala yenzalo ibaluleke kakhulu kwibhalansi ye-akhawunti yakho ngexesha. Iirhafu eziphakamileyo zithetha ukuba i-akhawunti iya kukhula ngokukhawuleza. Kodwa kunokwenzeka ukuba inzala yenzalo iyanqothula izinga eliphezulu. Ngokukodwa ngaphezu kwexesha elide, i-akhawunti kunye nokuqulunqa kunye nexabiso elincinane elikhethiweyo lingaphelela nge-balance ephezulu kune-akhawunti usebenzisa ukubalwa okulula. Yenza imathematika ukuba ufumane ukuba oko kuya kwenzeka, kwaye apho indawo yokuphulukana nayo ikhona.
Ukurhoxiswa kunye neentlawulo ziyakuchukumisa ibhalansi yakho yeakhawunti, kodwa zihluke kwi-compounding. Ukuvumela ukuba imali yakho ikhule (okanye idibanisa rhoqo kwi-akhawunti yakho) iyona nto ibhetele - ukuba uhoxisa umvuzo wakho, unciphise umphumo wokuhlanganiswa.
Isixa semali asichaphazeli ukuhlanganiswa. Ingaba uqala nge-$ 100 okanye i-$ 1 yezigidi, ukuxuba imisebenzi ngokufanayo, kwaye ibhalansi yakho ye-akhawunti ibonakala efanayo xa utshatila ukukhula ngexesha elide. Kuyacaca ukuba umvuzo uyabonakala mkhulu xa uqala ngediphozithi enkulu, kodwa awuhlawulwanga ngokuqala amancinci okanye ukugcina ii-akhawunti ngokwahlukileyo. Kukulungele ukugxila kwipesenti kunye nexesha xa ucwangcisa ikusasa lakho - uza kuzuza phi, kwaye lide kangakanani? Iidola ziyimiphumo yesilinganiso sakho kunye nexesha.
Ukuqhelana rhoqo (imihla ngemihla okanye ngenyanga) kunceda, kodwa ungadideki ngamanani. Xa inzala ihlanganiswa imihla ngemihla, uhlala ufumana ngaphezulu okanye ngaphantsi kwe-APY efanayo. Umzekelo, i-akhawunti ehlawula iipesenti ezingama-5 APY ayihlawuli iipesenti ezingama-5 ngosuku - ufumana i-1/365 ye-5 ekhulwini imihla ngemihla. Sekunjalo, ukuxubusha rhoqo kukunceda imali yakho ikhule ngokukhawuleza.
Indlela Yokubala Inzala Yomzimba
Kukho iindlela eziliqela zokubala inzala, ukunika ingqiqo indlela onokufikelela ngayo iinjongo zakho, kwaye kukunceda uhlale ulindele. Naliphi na ixesha obala izibalo, sebenzisa amanani ambalwa "ukuba-ke" ukuba asebenzise amanani ahlukeneyo - jonga oko kwenzeka ntoni ukuba ugcina ngaphezulu okanye ufumana inzala kwiminyaka embalwa.
Ibalawuli ze-intanethi zilula, njengoko zikwenza izibalo kuwe kwaye zikwazi ukudala iitshathi kunye neetafile zonyaka. Kodwa abantu abaninzi banqwenela ukubheka (kwaye basebenze kunye) namanani amaninzi ngakumbi.
Ifom ye-interest compound yile:
A = P (1 + [r / n]) nt
Ukusebenzisa oku kubalwa, fakela kwiimpawu ezingezantsi:
A: isixa oza kuphelisa ngawo
P: idiphozi yakho yokuqala, eyaziwa njengeNqununu
r: inzala yonyaka, ibhalwe kwifomati yedesimali
n: inani lexesha elihlanganisiweyo ngonyaka (umzekelo, inyanga zonke zi-12 kunye neveki zi-52)
t: inani lexesha (kwiminyaka) ukuba imali yakho ihlanganiswe
Umzekelo: unayo i-$ 1,000 ezuza ama-5 ekhulwini ngonyaka. Ubuninzi kangakanani emva kweminyaka eyi-15?
A = P (1 + [r / n]) nt
A = 1000 (1 + [.05 / 12]) ^ (12 * 15)
A = 1000 (1.00417) ^ (180)
A = 1000 (2.11497)
A = 2113.70
Emva kweminyaka engama-15, unayo i-$ 2,114 (inombolo yakho yokugqibela ingahluka ngenxa yokujikeleza kunye nesofthiwe oyisebenzisayo ukubala). Kwaloo mali, i-$ 1,000 iyisiphoso sakho sokuqala, kwaye i-$ 1,114 ekhoyo inomdla.
Bona isampuli yespredishithi kwi-Google Docs ibonisa indlela isebenza ngayo, kwaye ukhuphela ikopi ukusebenzisa amanani akho.
Iipredishithi zingenza konke ukubala kuwe. Ukubala ibhalansi yakho yokugqibela emva kokuqulunqwa, uza kusebenzisa ngokubaluleka kokubalwa kwexabiso . I-Microsoft Excel, i-Google AmaSpredishithi kunye nezinye iimveliso zinikezela lo msebenzi - kodwa uya kufuneka ulungelelanise amanani.
Ukusebenzisa umzekelo ongentla, masihambe ngokubalwa nge-Excel yexabiso elizayo lomsebenzi:
= FV (izinga, nper, pmt, pv, uhlobo)
Kungenzeka kube lula ukufaka iinguqu zakho kwiiseli ezahlukileyo uze ubhekisele kulawo maseli ukwenzela ukuba akudingeki ukuba ufumane yonke into ngokufanelekileyo kwifowuni enye. Ngokomzekelo, i-Cell A1 inokuba ne "1000," i-Cell B1 ingabonisa "i-15," njalo njalo.
Ubuqhetseba bokusebenzisa ispredishithi yesitrakthi sinomxholo usebenzisa amaxesha atyhulayo kunokucinga nje kwiminyaka . Ukuqulunqwa kwenyanga, umyinge wentsingiselo yesikhombiso ngumlinganiselo wonyaka ohlukeneyo ngo-12 kuba kukho iinyanga ezili-12 okanye "amaxesha" kunyaka. Ukuqulunqwa kwemihla ngemihla, ininzi imibutho isebenzisa 360 okanye 365.
= FV (izinga, nper, pmt, pv, uhlobo)
= FV ((. 05/12), (15 * 12),, 1000,)
Qaphela ukuba unokuphuma kwinqanaba le- pmt , eliza kubakho ukongeza kwangexesha le-akhawunti (ukuba ungeze imali yenyanga, oku kungenzeka ngokufanelekileyo). Uhlobo alusetyenziswanga kule meko.
Umthetho we-72 ngowenye indlela yokwenza uqikelelo ngokumalunga nomdla. Lo myalelo wesohlwayo uxelela oko kuthatha ukuba kuphindwe kabini imali yakho, ukhangele kwisantya oyifumanayo kunye nobude bexesha uya kufumana loo nqanaba. Yandisa inani leminyaka ngumyinge wenzalo - ukuba ufumana i-72, unayo intlangano yezinto eziza kuphinda ziphindwe kabini imali yakho.
Umzekelo # 1: unama-$ 1,000 ekulondolozeni okufumana ama-5 eepesenti APY. Kuya kuthatha ixesha elingakanani ufumane i-$ 2,000 kwi-akhawunti yakho?
Ukuze ufumane impendulo, qaphela indlela yokufikelela kwi-72. I-72 eyahlula ngo-5 ngu-14.4, ngoko kuya kuthatha iminyaka eyi-14.4 ukuphinda kabini imali yakho.
Umzekelo # 2: unayo i-$ 1,000 ngoku, kwaye uya kufuna i-$ 2,000 kwiminyaka engama-20. Nguwuphi na umlinganiselo onokuwufumana ukuze uhlawule imali yakho kabini?
Phinda ubone oko kuthatha ukufikelela kwi-72 usebenzisa ulwazi onalo (inani leminyaka). Ulwahlulo olu-72 lulingana no-20 olulingana no-3.6, ngoko kuya kufuneka ufumane i-AP6 yeepesenti ye-AP ukuze ufinyelele injongo yakho.