Fumana uMandla weNzala
Inkcazo:
Ulawulo lwe-72 yindlela yokukhawuleza yengqondo ngokukhawuleza kwaye kulula ukukunceda ukuba uqikelele inani leminyaka elifunekayo ukuba kuphindwe kabini imali yakho kwizinga lokubuyisela lonyaka. Umgaqo uthi ulwahlula isantya, uchazwe njengepesenti, ukuya ku-72:
Inani eliqikelelweyo leminyaka liya kuthatha utyalo-mali = 72 ÷ iqulunqa inzala yonyaka
Ngokomzekelo, utyalo-mali kunye neepesenti ezingama-6 ezibandakanya izinga lokubuyiswa kwonyaka liza kuthatha iminyaka eli-12 ukuya kabini kwixabiso.
72 ihlulwe ngo-6 (izinga lokubuyela) = 12 (inani leminyaka liya kuthatha ukuphindwa kabini utyalo-mali)
Qaphela: Kubalulekile ukungena kwisantya sokubuyela njengenani elipheleleyo (oko kukuthi, 6) kunokuba ube ngumyinge wokugqibela (.06).
I-"Rule ye-72" yokubala ingasetyenziselwa ukuqikelela umyinge wezinga lokubuyisela elifunekayo ukuphindwa kabini imali yakho ngexesha elithile. Ukulinganisela izinga elifunekayo lokubuyisela usebenzisa uMthetho wama-72 ungasebenzisa oku kulandelayo:
Ireyithi eqikelelweyo yonyaka wokubuyisela kwi-double investment = 72 ÷ Inani leMinyaka
Ngokomzekelo, ukuba ufuna ukuqikelela umlinganiselo wonyaka wokubuyisela kufuneka uhlawule imali yakho kwiminyaka eyi-9 uhlula u-72 nge-9.
72 idibene nge-9 (inani elifunwayo leminyaka ukuphindwa kabini utyalo-mali) = 8 (i-compound efunekayo yonyaka)
Igunya elingaphantsi kweMigaqo yo-72 - Inzala ehlanganisayo
U-Albert Einstein uchaze umdla onomdla "njengamandla amakhulu kunawo wonke".
Le nkcazo ngokukodwa ibambelela ngokuqinisekileyo xa kufikelelwe kwisicwangciso sezimali!
Kwimigaqo elula kakhulu, ukuhlanganiswa kwenzala kuthetha ukufumana umdla kumdla. Oku kuthetha ukuba inzala nganye ihlawulwa, ihlawulwa ngokulinganisela okukhulu nakakhulu. Nasi umzekelo ocacileyo.
Ukufumana inzala ka-5% kwi-$ 1,000 yayiza kubangelwa imali engama-$ 50 ngonyaka. Kodwa nangomdla wokwakha, kuya kuba yi-$ 50 kunyaka wokuqala, i-$ 52.50 yonyaka wesibini (i-5% yee-1,050 zamaRandi), i-$ 55.13 yonyaka wesithathu (i-5% yee-1,102.50), njl.
Kukho izinto ezintathu eziphambili ezichaphazela amandla enkqutyana: inzala, kaninzi kangakanani kuya kuhlanganiswa (rhoqo ngenyanga, ngekota nganye, ngonyaka, njl.), Kwaye ixesha elide livumelekile ukuba ihlanganiswe. Ixesha linye yezona zinto zibaluleke kakhulu kuba kukuvumela ukuba uvelise umvuzo oyingqongqo kunye nokutsalwa kwemali. Mhlawumbi uvile ilizwi elithi "ixesha yimali". Xa unomdla wokwenza ixesha elide kwicala lakho kwaye izinga eliphezulu lembuyekezo lemivuzo liza kubangela ukugcina imali yomhlalaphantsi.
Kuthatha ixesha elide ukuthatha kabini imali yakho?
Umthetho we-72 ngumgaqo olula ovumela ukuba wenze ukubala okukhawulezayo kwi-fly ukuze uqikelele imali ezayo yokufumana imali. Ngenkcazo, umgaqo we-72 uncedisa ukuba uza kuthatha ixesha elide ukuphinda kabini imali yakho xa uthatha izinga elithile lokubuyela kwi-investment yakho.
Hlula nje u-72 ngenani lentengo, kwaye impendulo yimizuzu yeminyaka iya kuthatha imali yakho ukuba iphindwe kabini.
Ku-8%, kuya kuthatha iminyaka elithoba ukuya kuphinda imali yakho. Kwi-10% yiminyaka engama-7.2. Ungasebenzisa le migaqo ukukunceda ukuba ufumanise ukuba yeyiphi izinga lokubuyisela oza kufuneka ufumane imali yokuphindaphinda imali yakho ngexesha elithile. Umzekelo, ukuba iinjongo zakho zobomi zexesha elizayo zifuna ukuba uphinde uziphindise kabini imali yakho kwiminyaka eyi-10, vela uhlule i-72 nge-10 ukuze ufumene ukuba ufumane i-7.2% ukufikelela kwiinjongo zakho.
Ulawulo lwe-72 lungene njani kwiCwangciso loPhuhliso lwakho loKuhlala phantsi?
Ukubala kokuqulunqwa kwembuyekezo yentlawulo kungenzima ngaphandle kokuba ufumane i-calculator ngokulula kunye nolwazi lokusebenzisa. Umthetho we-72 ngumlinganiselo olinganayo weemathematika ukusicedisa ukugqiba ukubala okukhawulezayo ekuhambeni. Nangona kunjalo, isicelo esiluncedo kakhulu kuMgaqo we-72 sihambelana nokukwazi kwawo ukufundisa abatyala-mali ukubaluleka kokuqulunqa umdla.
Ukuthatha ixesha lokubona indlela iindlela ezahlukeneyo zokutyalombela ezifanelekileyo ezifanelekileyo zifanele ukuba zihlale zisekelwe kwithuba lakho lokufikelela ekujonganeni nezo njongo kunye nokunyamezela.
Umzekelo:
- Ukuba ukhethe ukhetho olukhuselekile olukhuselekile olukhuselekile okanye isikhwama sokubaluleka esisigxina kwi-401 yakho (k) isicwangciso okwangoku sifumana inzala engama-3% kuya kuthatha iminyaka engama-24 ukuze imali yakho iphindwe kabini (72 ihlulwe ngo-3 = 24). Oku kunokuba lunengqiqo kubatyalo-mali abasondayo okanye kufuphi nomhlalaphantsi kodwa kuya kufuna ukuba abatyali-mali abatsha bakwazi ukugcina imali eninzi kakhulu ukuze bafikelele kwiinjongo zomhlala-phantsi.
- Ukuba i-asethi yakho yomhlalaphantsi isetyenzisiwe kwi-asethi eyongezelelweyo i-aseset ukwabiwa kwemali yomvuzo efumana umyinge wama-6 ekhulwini ngonyaka, kuya kuthatha iminyaka engama-12 ukuba loo mali ityala ngokuphindwe kabini (i-72 eyahlula ngo-6 = 12).
Isishwankathelo
Umthetho we-72 ngumlinganiselo olula ukukunceda ukuba uqikelele ukuba kuya kuthatha ixesha elingakanani ukuba kuphindwe kabini imali yakho. Mhlawumbi uMgaqo we-72 uncedo olubaluleke kakhulu kwingxoxo yokucwangcisa umhlala-phantsi kukubaluleka kokusebenzisa umxhesho onqwenelekayo kumsebenzi wakho. Kubalulekile ukuqala ukugcina umhlalaphantsi ngokukhawuleza. Kodwa kubalulekile ukuqinisekisa ukuba utyalo-mali lwakho alinganisa ixesha lakho kunye nokuthuthuzela umngcipheko wotyalo-mali. Kuyafana nokuba kuthatha ingozi enkulu kangakanani xa usondela kumhlala-phantsi awukho bulumko. Ukuzigcina ulondoloze phambili kwimisebenzi yakho kunokuba nemiphumo emibi kwaye kufuna ukuba ubeke bucala ngakumbi ukufikelela kwiinjongo zomhlalaphantsi.
Ukuba uqhathanisa umahluko phakathi kweendlela ezahlukeneyo zokwabiwa kweefa eziza kukunceda ufinyelele iinjongo zakho zemali, khangela lo mzekeliso obalulekileyo. Qhubeka ukhumbule ukuba enye yezona zinto zinkulu kakhulu ongayenza ukuze ukwandise amathuba okufikelela kwiinjongo zemali ezibalulekileyo njengokuthatha umhlalaphantsi kukuba ube nesicwangciso esibhaliweyo kunye neendlela zokugcina ezikhoyo. Ukulondoloza okulula kweenjongo zokubala kunokukunceda ukuba ufumanise ukuba ungakanani ukulondoloza ukufikelela kwiinjongo zakho.