Umthetho we-72 uyakuncedo kuba ubonisa into efanayo endikufundisayo malunga ne-athikili ebizwa ngokuthi, Uchitha imali yakho yezigidi ezili-1 kwixesha , apho wabona khona indlela enamandla yokwenza ngayo; ukukwazi ukukhulisa imali encinci yemali kwiinzuzo ezinkulu xa kunikezelwa ixesha elide elaneleyo kunye nenani eliyanelisayo lokubuyela. Ukuququzelela le nyaniso yeemathematika kunokubangela ukuba utshintsho lwezenzo lube ngongoma ubeka phambili kwiminqweno yakho yangempela kwiimfuno zakho zesikhashana, ukwenza izigqibo ezingcono zokuhweba kwiinjongo zakho, iinjongo kunye namaphupha akho.
Indlela yokubala i-Rule ye-72 xa ireyithi yokubuyela kwi-Investment yakho iyaziwa
Okokuqala, makhe siqale ngendlela yokusebenzisa uMthetho wama-72 xa unesilinganiso esicatshulwayo sokubuyisela oza kufumana kwi-investments yakho. Ifom ye-this derivation of the Rule 72 yile:
- Ubude bexesha Kubalulekile Ukuphindwa kabini Imali yakho = 72 ihlulwe ngumbuyiselo wonyaka-mali.
Umzekelo unokukunceda ubone ngeso nombolo. Cinga ukuba umtyalo-mali owaziyo ukuba unokufumana i-12% kwimali yakhe kwi-investment real estate. Unokubuza umbuzo othi, "Kuya kuthatha ixesha elingakanani ukuphinda kabini imali yam kule nqanaba yokubuyela?".
Ukusebenzisa uMgaqo we-72 olawulayo, oku ku-snap ukubala! Konke omele ukwenze kukwahlula inombolo yomlingo, i-72, ngesantya somrhubi-mali, 12.
Impendulo, i-6, inani leminyaka liza kuthatha ukuphindwa kabini utyalo-mali.
Ukongezelela, cinga ukuba umtyalo-mali we- stock chip ulindele ukufumana u-8.5% kwiibhanki zakhe zokulingana kwi- Roth IRA . Ufuna ukwazi ukuba uza kuthatha ixesha elide ukuphinda kabini imali yakhe ukuba le ngqikelelo ichanekile. Ukubala oku kusetyenziswa uMthetho wama-72, uthatha i-72 kwaye uyayahlula ngo-8.5. Impendulo, 8.47, inani leminyaka liza kuthatha ukuguqula yonke i-$ 1 ayifake kwi-$ 2.
Indlela yokubala i-Rule ye-72 xa i-Number of Years Is Unknown
Umthetho we-72 ungasetyenziswa kwakhona. Umtyalo-mali ofuna ukuphindaphinda kabini imali yakhe kwinani elithile leminyaka angasebenzisa lo mgaqo ukufumanisa izinga lokukhula kwonyaka lonyaka (CAGR) uza kuzuza ukuze aphumeze injongo yakhe. Ngokuthelekisa oku nento ethathwa njengelungileyo "yokubuya" , unokufumana ingcamango engcono yokuba ingafanelekanga okanye ayikulindelanga.
Ifom yesi sicelo esithile soMthetho we-72 ngu:
- I-CAGR ifunekayo kwiMali emibini = 72 ihlukaniswe inani leeminyaka ofuna ukuyiphinda kabini imali yakho
Njengangaphambili, masiqhubeke nemibandela ukuze ufumane ukuxhoma kwayo.
Khawucinge ukuba umrhwebi wasekuhlaleni wakho wayefuna ukuphinda kabini imali yakhe kwiminyaka emine.
Ukulinganisela izinga elibi lokubuyisela elifunekayo ukufezekisa loo mdlalo, unokusebenzisa le nguqulo ye-Rule ye-72 kwaye ahlule i-72 nge-4. Isiphumo, 18, sichaza i-18%. Leyo yintlawulo yerhafu emva kwonyaka yokubuyisela ekufuneka ayifumane ukuhlangabezana nayo injongo yakhe.
Ngoku, khawucinge ukuba umhlolokazi ongumhlolokazi ufuna ukuphinda kabini ubutyebi bakhe kwiminyaka elishumi elinesibini. Ukulinganisela izinga elibi lokubuyisela elifunekayo ukufezekisa loo mdlalo, unokusebenzisa le nguqulo ye-Rule ye-72 kwaye ahlule i-72 nge-12. Isiphumo, 6, sichaza i-6% ngonyaka.
Iindlela zokuSebenza ukukunceda Ufunde indlela yokubala uMthetho wama-72
Ngoku ukuba unokuqonda okuyisiseko ngendlela uMgaqo we-72 usebenza ngayo, akufanele ube neengxaki ukuphendula le mibuzo elandelayo:
Umbuzo 1 : UJohn ufuna ukuphinda kabini imali yakhe kwiminyaka eyisixhenxe ukuze afinyelele iinjongo zakhe zemali.
Iyiphi intlawulo yokubuyiselwa ekufuneka ayifumane ukwenza oku ngempumelelo?
Umbuzo wesi-2 : USusan ufumana ukubuyela kwe-9% ngonyaka emva kwentela kwiindawo zakhe zokuthengisa. Kuya kuthatha ixesha elingakanani ukuphinda kabini imali yakhe?
Umbuzo wesi-3 : U-Edie okwangoku u-$ 5,000 kwi-akhawunti yakhe yomrhwebi, kodwa angathanda ukuwuphindaphinda kabini ngeli xesha aphumelele kwiikholeji kwiminyaka emithathu. Ngaphandle kokungeza nayiphi na imali eyongezelelweyo kwibhalansi yakhe yangoku, yeyiphi izinga lokubuyisela kufuneka azuze ukuze aphumelele nge $ 10,000 kwiakhawunti yakhe?
Impendulo 1 : UJohn wayeza kuthatha i-72 eyahlula ngo-7. Impendulo, i-10.2857%, yimalini aza kuyifuna ukufumana kwisiseko sentela emva kokufikelela kwimpumelelo yakhe.
Impendulo yesi-2 : Ukubala inani leminyaka eliyimfuneko ukuphinda kabini imali yakhe ngokusebenzisa uMthetho wama-72, uSusan uza kwahlula i-72 nge-9. Impendulo, i-8, inani leminyaka liya kuthatha ukuba ityala liphindwe kabini emva kwentela.
Impendulo 3 : Inqanaba lokubuyisela i-Edie kufuneka libe ngama-24%. Ukufumana impendulo, kwahlula i-72 ngeminyaka eyi-Edie kufuneka iphindwe kabini imali yayo, 3. Nangona i-24% yokubuyiswa ayifumaneki, ingaba ku-Edie unomdla wokuqhubeka nokuxhasa imali yakhe ye-akhawunti ye-brokerage ngemali eyongezelelweyo eyayifumana endleleni .