Uchitha imali yezigidi ezi-1 kwixesha

Isifundo kwixabiso lexesha leMali

Enye yemigaqo-siseko yemali yinto yokuba i-R1 1 namhlanje ibaluleke ngaphezu kwe-$ 1 ngonyaka ukususela ngoku. Isizathu salesi sibini. Okokuqala, ngenxa yempembelelo yokunyuka kwamaxabiso, i-dollar cishe ayiyi kufikelela kwixesha elizayo. Okwesibini, ukuba ndinayo idola esandleni sam namhlanje, ndiyakutyala imali kwaye ndifumene i-return in the form of dividends , interest or capital gain .

Ingcebiso engcono kakhulu yemali nabani na onokukunika ukuyiqinisa ngokuqinisekileyo eli xesha lixabiso lemali engqondweni yakho.

Isihluthulelo sokuchuma kwezemali kuzalisekisa ukubaluleka kwerhafu nganye ezayo ezandleni zakho. Enyanisweni, ndicinga ngemali njengembewu - unokuyidla (uyichithe) okanye uyibeke imali (hlwayela).

Ukukunceda ukubonisa le ngongoma, makhe sicinge ukuba ufumana i-bill ye-20 engasecaleni kwendlela. Ujongene nokusetyenziswa kwezimbini: unokubambelela imali kwi-akhawunti yakho yomhlala-phantsi okanye ungenise isidlo. "Ziyi-bucks kuphela!" Uzixelele uze ukhethe isidlo sakusihlwa. Enyanisweni, uchitha imali engaphezulu. Ukusebenzisa enye yexabiso lexesha lemali ifomyula, sinokubala ixabiso loqoqosho lokwenene lokungabali imali .

Ixabiso lexesha leMali yeFomula

FV = pmt (1 + i) ⁿ
FV = Ixabiso lexesha elizayo
Pmt = Intlawulo
I = Inani lokubuyisela ulindele ukufumana
N = Inani leminyaka

Ukuze senze ukubalwa, kufuneka senze iingcamango ezimbalwa. Okokuqala, masicinge ukuba uneminyaka engama-30 ubudala (kwaye ke emva kweminyaka engama-35 ukusuka ekuphumeni kwi-65).

Oko kuthetha ukuba i-$ 20 ingaqulunqwa iminyaka engama-35. Siya kufaka indawo engu-35 "n" kwi-equation.

Emva koko, kufuneka simisele izinga elibuyelweyo lokubuyisela . Ngokomlando, imarike yemasheya ibuyile i-12%. Ukuba ufuna ukutyalomali kwiibhondi, ukubuyela kwakho kuya kuhla. Cinga ukuba utyalomali ngokudibanisa bobabini kwaye ulindele ukufumana intlawulo ye-10% yentlawulo.

Oku kuya kufakwa endaweni ye "i" eguqukayo kwi-equation yethu.

"I-pmt", okanye intlawulo, yixabiso lexabiso elilodwa ofuna ukulifaka (kule ngxelo i-$ 20). Ngoku ngoku siye saqulunqa iziguquko, ifom ifana nale: FV = $ 20 (1 + .10) ³⁵

Faka 1.10 kwi-calculator yakho (esi sixa-1 + .10). Phakamisa oku ku-35 amandla. Isiphumo si-28.1024. Phinda i-28.1024 nge-pmt ye-$ 20. Isiphumo (i-$ 562 kunye noshintsho) yindleko yonyani yokuchitha i-$ 20 namhlanje (ukuba ulungelelanise i-$ 562 ngemali engamaxabiso, mhlawumbi iya kufikelela kuma-dollar ayi-today. .

Kucacile ukuba oku kwanele ukuthenga ukungena kwiindawo zokutyela ezintlanu! Ukuxhotyiswe ngale lwazi, ukhululekile ukwenza isigqibo soqoqosho; oko kukuthi, ngaba ukhetha ukutya isidlo sama-20 namhlanje okanye ukutya okungama-$ 140 kwixesha elizayo. Impendulo iyona yedwa. Xa uqikelele le ngcamango, kunjalo, kuya kuba buhlungu ukuba izinto ezincinci zezinto zokunethezeka ozicingayo ziyakukuxabisa izigidi nezigidi zeedola kwizoqoqosho ezizayo.

Ukufumana ulwazi oluthe xaxa malunga nendlela onokuqalisa ngayo ukugcina imali , funda i-Guide Complete Beginner Yokugcina Imali .