Iwe unogona kushandisa chero ipi zvedzi nhatu nzira dzakasiyana dzekushanda mufananidzo uye kuwana mhinduro yako.
Nzira imwe neimwe inoshandisa nzira dzakasiyana dzekuverenga, asi chimiro chemukati chakangofanana mumamiriro ose matatu.
Kubwinya Kwemazuva Ekupedzisira
Bhuku rebhizimisi rinogona kunge rakaoma, asi kushandiswa kweshandiso kunogona kuratidzwa nemuenzaniso wakajeka. Iti iwe une $ 100 yekudyara zvose kamwechete, uye iwe unogona kuwana chido chekuda kwe5 muzana. Ko kukosha kwekutsvaga kwako kuchavepi pakuguma kwegore rokutanga? Chirevo chekukosha kwemunguva yemberi yeiyo chikwama chekutsvaga kwekutsvaga ndeyotevera:
FV 1 = (PV + INT) kana PV (1 + I) ⁿ
Chikamu chekutanga chechiyero ichi, ( FV₁ = PV + INT) rinoti, "ramangwana rekupedzisira ( FV ) pakupera kwegore rimwe, rinomiririrwa nebhadhiyo tsamba ᵢ, yakaenzana nehuwandu hunokosha pamwe nehuwandu hunowedzera hwechido kune zvakatarwa mutengo.
Nzira inotevera inopa izvi mune imwe nzira iyo iri nyore kuverenga kukosha kunowedzerwa nemari inowanikwa ( PV (1 + I) ⁿ) iyo inodaro, "kukosha kwemazuva ano ( PV) nguva (1 + I) ⁿ , apo l inomiririra chikwereti chechido uye iyo superscript ⁿ ndiyo nhamba yekuwedzerwa nguva.
Iye zvino ngatishandise muenzaniso kubva kumusoro. Mune rimwe gore, mari yako ye $ 100 yemari yekutsvaga mari inowana 5 muzana inowanikwa gore negore ichaenzana:
FV = $ 100 (1 + 0.05) = $ 105
Muchiitiko ichi, hausi kuona superscript (n) yekuwedzera nguva nokuti panguva ino uri kutarisana negore rokutanga chete. Kuti uone kukosha kwekutsvaga kwako kumagumo emakore maviri, iwe unoshandura kuverenga kwako kuisa mukana wokumiririra nguva mbiri:
FV = $ 100 (1 + 0.05) ² = $ 110.25
Iwe unokwanisa kugadzirisa izvi, izvo zvinetso zvekudyidzana kwemakumbo, nenzira yakasiyana kana ikatoriya yako isingagoni kubata zvidhori, nekuverenga kukosha pamagumo egore rokutanga, zvino kuwedzera chigumisiro neyechete 5% yehuwandu hwechipiri gore:
FV = [$ 100 (1 + 0.05)] + [$ 105 (1 + 0.05)] = $ 110.25
Iwe unogona kuramba uchiita izvi kuti uwane kukosha kwemazuva ano kwekutsvaga kwehuwandu hupi hwehuwandu hwemashure. Kunyora iyi nzira nenzira, nekuita manzwiro ewedzerwa gore rimwe nerimwe kubva kune chido, zvino kushandisa kushandisa iyo kukosha kuita zviyero zvakafanana kune rimwe nerimwe rinotevera, rinojekesa kuti tiri kusvika sei pamugumisiro, asi nguva inopedza.
Kugadzirisa kukosha kwemangwana makore 20 munguva yemberi zvinoreva kudzokorora maitiro makumi maviri. Pane nzira dzinokurumidza uye dzakanakisisa dzekuita izvi, chimwe chazvo chiri kushandiswa kwemari yekutengesa mari.
Ramangwana Rinokosha reInvestment Kushandisa Financial Calculator
Chirongwa chekuwana kukosha kwemazuva ano kwekutsvaga kwekubhadhara mari ndeyekuti:
FV N = PV (1 + I) ⁿ
Kunyangwe zvisingaratidziki sezviri, izvi ndizvo zvakafanana zvatakashandisa patakaita maverengi manyore.
Zvichiitika, iwe unogona kushandisa chirevo ichi nemumwe wevatori vese vane chinhu chinokosha chekuongorora; vakawanda vanoita.
Zvisinei, kushandiswa kwemari yekushandisa mari kune nani nokuti yakatsaurirwa makii akaenzana nechinomwe chezvisikwa zvina zvatichave tichishandisa, kufambisa dambudziko nekuderedza kuve kwekukanganisa. Heino zvigetsi zvauchaita:
Punch N uye 2 (kwemakore maviri 'kubata nguva)
Punch I / YR uye 5 (nokuda kwechikwereti chinokwana 5 muzana)
Punch PV uye -105 (nokuda kwemari yatinenge tiri kuverenga kufarira mukati megore 2)
Cherechedza kuti unofanirwa kugadzirisa kukosha kwemazuva ano se nhamba isina kunaka kuitira kuti iwe ugone kuverenga zvakanaka mazamu akanaka emangwana mune ramangwana. Kana ukakanganwa kuwedzera chiratidzo che "chinyorwa", kukosha kwako kweramangwana kucharatidza se nhamba isina kunaka.
Punch PMT na PMT (hapana mari inopfuura yekutanga)
Punch FV , iyo inodzorera mhinduro ye $ 110.25
Kubatsira kwekubhadhara mari kune nzira yekushandisa inojekesa.
Nechinotakura, hazvisi zvakaoma kana nguva inopedza kugadzirisa kwemazuva anouya makore makumi maviri kubva ikozvino kupfuura kugadzirisa kwegore rimwe chete. Imwe nzira yekuchengetedza nguva inoshandisa shanduro.
Ramangwana Rinokosha reMarara Sum Investment Kushandisa Spreadsheet
Spreadsheets, dzakadai seMicrosoft Excel, dzakakodzerwa nekuverenga nguva-yehusha yematambudziko emari. Basa iro ratinoshandisa kuti rive neramangwana rekutsvaga kwekutsvaga kana mari yemari pane Excel spreadsheet ndeyokuti:
= FV (0.05,1,0, -100,0)
Kuti ushandise basa iri mubasa rekushanda, chengetera pa "Mafomu" muchikwata chebar, uye chengeta pa "Financial." Iwe uchazoona runyora rwemabasa. Dzvanya pa FV. Iko kuchazarura bhomba yeFormula Builder apo iwe uchaona mabhokisi mashanu akanyorwa mazinga , nper, pmt, pv, uye fomu. Kana iwe uchida kutsvaga kukosha kwemazuva ekupedzisira pamagumo emakore maviri, zadza mabhokisi nenzira iotevera:
muyero (chiyero chekuda) = .05
nper (nhamba yose yekubhadhara nguva = 2
pmt (zvinowanikwa zvikwereti, munyaya ino hapana) = 0
pv (ikozvino kukosha, inoratidzirwa se nhamba isina kunaka) = -100
mufananidzo (izvi zvinoreva nguva yekubhadhara zvinotevera) = Sezvo pasina, pinda 0
Zvinyorwa zvekare zveEexcel zvinoda kuti iwe unganise paAkaverenga kuti uone mugumisiro . Shanduro dzekupedzisira dzinotora chigumisiro chega. MuExcel, iwe unofanirawo kuisa kukosha kwezvino se nhamba isina kunaka kuitira kuti iwe uwane mhinduro yakanaka yekushanya kwemari yemberi.