Kukho izibalo ezininzi eziza kukunika ingcamango yokuba utyalo-mali wenza ntoni. Ezinye ziyinkimbinkimbi kunabanye, kodwa akukho nanye ayikwazi ukufikelela kumtyalo-mali oqhelekileyo onokubala. Nazi izibalo ezininzi ongazisebenzisa ukukunceda uqonde ukuba utyalo lwakho lwenziwa njani .
Ibuyisela Iyonke
Oku kubalwa okulula, kodwa kusikhumbuza ukuba sifuna ukubandakanya izabelo (apho kufanelekileyo) xa sicinga ukubuyiswa kwesitokisi. Nantsi ifom:
(Ukubaluleka kotyalo-mali ekupheleni konyaka - Ixabiso lentengo-mali-mali ekuqaleni konyaka) + Izabelo / Uxabiso lotyalo-mali ekuqaleni komnyaka = Ixabiso elipheleleyo
Ngokomzekelo, ukuba uthenge i-stock ye $ 7,543 kwaye ngoku uxabise i-$ 8,876, unokufumana inzuzo eyi-$ 1,333. Ufumene igalelo ngeli xesha le-$ 350. Iyiphi intlawulo epheleleyo?
($ 8,876 - $ 7,543) + $ 350 / $ 7,543 = Ixabiso elipheleleyo
I $ 1,333 + $ 350 / $ 7,543 = Ixabiso elipheleleyo
I-1,683 / i-7,543 yeeRandi = I-Return Return
0.2231 okanye i-22.31% = Ixabiso elipheleleyo
Ungasebenzisa oku kubaluleka kunaliphi na ixesha elinobubuthathaka kuba lungaziqwalasela ixabiso lemali ngokuhamba kwesikhathi.
Ukubuya okulula
Ukubuyela okulula kufana nokubuyela okupheleleyo, nangona kunjalo, isetyenziselwa ukubala ukubuyiswa kwakho kwintalo-mali emva kokuyithengisa.
Nantsi ifom:
Intlawulo yeNzuzo + Izabelo / Iindleko zeNkcitho - 1
Nasi umzekelo: Masithi uthenge i-stock ye $ 3,000 kwaye ukhokhe ikhomishini eyi-12. Isiseko sakho seendleko ngu-$ 3,012. Uthengisa i-stock ye $ 4,000 kwaye kukho enye ikhomishini ye-12, ngoko ke imali yakho yentengo i-$ 3,988. Izahlulelo zifikelela kuma-126.
$ 3,988 + $ 126 / $ 3,012 - 1 = Ukubuya okulula
$ 4,114 / $ 3,012 - 1 = Ukubuya okulula
1.36 - 1 = Ukubuya okulula
0.36 okanye 36% = Ukubuya okulula
Njenge-Total Return calculation, i-Simple Return ayixeleli nantoni na ixesha elide lotyalo-mali lwenziwa ngayo. Ukuba ufuna ukufumana iifom zerhafu emva kwerhafu, mane ufake indawo "inzuzo yentlawulo emva kwentlawulo" yenguqu yokuqala kwaye isebenzise inombolo yentela elandelayo emva kwentela.
Izinga lokuQala loNyaka loNyaka
Utyalo-mali obanjwe ngaphaya konyaka omnye, unokufuna ukujonga oku kuluhlu oluthe xaxa, kodwa kungekho nzima kunzima.
I- Incound Annual Growth Rate ibonisa inani lemali kwisityalo-mali sakho emva kwexesha. Iipesenti ezingama-40 zibuyela emva kweminyaka emibini zikhulu, kodwa i-40 pesenti ibuyele ngaphezu kweminyaka elishumi ishiya ifunwa kakhulu. Cinga ngoku kubalwa njengezinga lokukhula elikuthatha kwixabiso lokuqala lotyalo-mali ekupheleni kwexabiso lokutshala imali, ucinga ukuba utyalo-mali sele uhlanganiswe ngexesha elide.
Ukubala isantya sokukhula konyaka, ulwahlula ixabiso lentyalo-mali ekupheleni kwexesha okhangele ngalo ngeli xabiso ekuqaleni kwelo xesha. Thatha eso siphelo uze usiphakamise kumandla omntu olwahlula ubude bexesha, uze ususe omnye kuloo mphumo.
Ndiyinike ingqungquthela yonke into ebalulekileyo ekufuneka uyifumane apha.
Isiphelo
Izibalo ezilula okanye ezinzima ngakumbi zinokukunceda ukuba ulungele ngcono indlela utyalo-mali owenza ngayo.