Inzala enomdla ibhekiselele kumdla oveliswa yinkalo yakho enqununu.
"Intoni?" Musa ukukhathazeka ukuba oko kwakubonakale kunjenge-gibberish. Mane nje unamathela okwesibili.
Cinga ukuba ubeka i-$ 100 kwi-akhawunti yomhlala-phantsi.
Ifumana inzala kumlinganiselo weepesenti ezili-10 ngonyaka. Ekupheleni koNyaka 1, unayo i-$ 110.
Uqala uNyaka wesi-2 nge-$ 110 kwi-akhawunti yakho yokutyalomali - i-$ 100 kwinqununu, kunye ne-$ 10 ukusuka kumdla. Ugcina i-$ 110 epheleleyo, INKQUBO inqununu kunye nentshisekelo, inotyalo-mali kunyaka wo-2. Ekupheleni konyaka we-2, utyalo-mali lwakho lukhulile enye i-$ 11, malunga ne-121 yezigidi.
Qaphela ukuba ngoNyaka 1, ufumane i-$ 10 ngenzala, kuba imali kuphela owawunayo yinqununu. Kodwa ngoNyaka wesi-2, ufumane i-$ 11 ngenzala, ngenxa yokuba unenqununu yecandelo lomdla wokuqala wonyaka. Ngamanye amazwi, loo R $ 1 eyongezelelweyo ibonisa umdla onomxholo ophezulu.
Uqala uNyaka wesi-3 nge $ 121 kwi-akhawunti yakho yotyalomali. Ufumana ipesenti ezili-10, okanye i-$ 12.10. Ekupheleni konyaka, unayo i-133.10.
Phawula indlela i-10 yakho yeepesenti yokuhlawula ikhule ngayo-ukusuka kwi-$ 10 kunyaka wokuqala, ukuya kwi-$ 11 ngonyaka wesibini, ukuya kwi-12.10 yonyaka wesithathu.
Kungenxa yokuba inzala ihlanganiswa phezulu kwenzalo yangaphambili.
Unyaka wesine, ukuhlawulwa kwakho kweepesenti eziyi-10 kuya kuba ngu-13.31 we-$ (okuyi-10 ekhulwini ye-133,103), oko kuthetha ukuba uya kugqiba unyaka nge-146.41. Qaphela ukuba ngeli xesha ufumene i-$ 46 kwi-investment yakho yasekuqaleni eyi-$ 100. !
Kuthekani ukuba awuzange uphinde uhlawule imali yakho?
Ngonyaka we-1, ufumana i-10 ekhulwini yokubuyisela. Ugcina inqununu, i-$ 100 yokuqala, utyalomali, kodwa uchitha i-$ 10 eyongezelelweyo. Ekuqaleni konyaka weBini, unayo imali eyi-100 kuphela.
Unokwenza njalo unyaka - ugcina i-$ 100 eyi-original eyabelwe imali, kodwa ususa i-$ 10 eyongezelelweyo. Ekupheleni konyaka we-4, wenze i-$ 40 kuphela, kungekhona i $ 46.41, kuba awuzange uvumele ukuba inzala ibandakanywe.
"Into eninzi," unokucinga. "Iimali ezi-6 zamaRandi ayiyona imali eninzi."
Enyanisweni. Kodwa cinga ukwenza oku nge $ 10,000. Kwipesenti ezili-10 ezizalisa umyinge wenzala, uza kufumana i-$ 4,600 kwi-investment yakho yasekuqaleni ekupheleni konyaka wesine, kwaye loo $ 6 isele ibe ngu-600.
Kulungile ke, cinga ukwenza oku nge $ 100,000. Kwimizuzu e-10 yokuxuba, ufumana imali engama-46,000!
Ewe, ininzi imali-mali ayinikezi ngokuphindaphindiweyo kweepesenti ezili-10 - ndandithatha loo nombolo ngenxa yokunika umzekelo omlula. Inqaku lokutshala imali uWarren Buffet uqikelela ukuba i-market market iya kunika iipesenti ezi-7 kwi-century-class-to-mid-21. Funda le nqaku ukuze ufunde indlela izinga lokubuyisela elichaphazela ngayo ixesha elithathayo ukuze kuphindwe kabini imali yakho .
Eyaziwayo Njenge: inzala ehlanganisayo, ukubuya kwekhampani, ukuhlanganiswa kwezinga lokukhula konyaka
U mzekelo:
Utyalomali i-$ 50 kwizinga le-interest rate.
Emva konyaka owodwa, unayo i-$ 5, malunga ne-55 yezigidi. Ngomnyaka wakho wesibini, ufumana inzala kwi-investor yakho yasekuqaleni eyi-$ 50 (le "inqununu") kunye ne-5 eyongezelelweyo eyayifumana inzala ngexesha loNyaka omnye.
Ngamanye amazwi, uza kufumana i-R555 kunye neepesenti ezili-10, ezilingana ne-5.50 ye-$ 50, kwi-60.
"Inzala ehlanganisayo" yileyongezelelo engama-50 eentente, enomdla oyifumene nomdla wakho.
Xa uvumelekile ukuba umdla ubandakanyeke, uzuko oluya kuba lukhulu (kuba unomdla oza kuba nawo).