Mokapo 3
Intérêt composé
Oyo ezali mokapo ya ntina koleka na mokanda oyo. Soki obosani kaka likambo moko, tika ezala oyo:
Mbongo na yo esalaka mbongo. Nsima mbongo yango esalaka mbongo mosusu.
Yango nde intérêt composé. Mpe yango nde ntina oyo kotia mbongo esalaka.
Ndakisa ya pete
Tólobelá ete otiaki €1,000 na investissement oyo ekokola 10% na mbula.
- Mbula 1: Ozwi €100. Sikoyo ozali na €1,100.
- Mbula 2: Ozwi 10% na €1,100 = €110. Sikoyo ozali na €1,210.
- Mbula 3: Ozwi 10% na €1,210 = €121. Sikoyo ozali na €1,331.
Omoni oyo ezali kosalema? Ozali kobakisa mbongo mosusu te. Kasi montant oyo ozwaka ekómaka monene mbula na mbula — mpo ozali kozwa rendements na rendements na yo.
| Mbula | Ozali na | Ozwi | Total ya sika |
|---|---|---|---|
| 0 | €1,000 | — | €1,000 |
| 1 | €1,000 | €100 | €1,100 |
| 2 | €1,100 | €110 | €1,210 |
| 5 | €1,464 | €146 | €1,611 |
| 10 | €2,358 | €236 | €2,594 |
Na mbula 1 ozwaki €100. Na mbula 10 ozwaki €236 — koleka mbala mibale — sans kobakisa eloko.
Mpo na nini emonanaka malembe na ebandeli
Tala likambo ya frustrant: na ebandeli, intérêt composé esalaka kaka moke mpenza.
Otiaka mbongo sanza na sanza mpe total na yo ematalaka kaka moke. Emonanaka lokola effort mingi mpo na résultat moke mpenza.
Yango ezali normal. Na ba mbula ya ebandeli, mingi ya portefeuille na yo ezali kaka mbongo na yo moko. Intérêt composé ezali naino na eloko mingi te mpo na kosala na yango.
Ezali awa nde bato mingi batikaka. Kasi ezali mpenza awa nde magie ezali kobanda na kimya.
Nini €250 na sanza ekómaka mpenza
Awa nde makambo ekómaka ya kosepelisa. Soki otiaka €250 sanza na sanza mpe ozwaka moyenne ya 10% na mbula?
| Mbula | Otiaki | Evalí |
|---|---|---|
| 5 | €15,000 | ~€19,000 |
| 10 | €30,000 | ~€52,000 |
| 15 | €45,000 | ~€115,000 |
| 20 | €60,000 | ~€260,000 |
| 25 | €75,000 | ~€575,000 |
Tangá lisusu. Nsima ya mbula 20, otiaki €60,000 ya mbongo na yo moko — kasi ozali na €260,000. €200,000 mosusu wana? Yango ezali intérêt composé. Mbongo oyo mbongo na yo esalaki.
Nsima ya mbula 25, presque croissance nyonso eutaka na intérêt composé, kasi na ba dépôts na yo ya sanza te.
Hockey stick
Soki odessiná yango na graphique, emonanaka ennuyeux mpe plat mpo na mbula. Nsima ecourlaka malembe mpo na likolo. Mpe nsima epumbwaka lokola fusée.
Forme oyo ebengamaka hockey stick. Ndambo ya liboso emonanaka lokola eloko ezali kosalema te. Ndambo ya mibale nde esika magie evandaka.
Okoki kozua eteni ya kosepelisa na raccourci te. Okoki kokóma kuna kaka na kotikala na investissement na ntango ya ennuyeux.
Einstein abengaki intérêt composé likamwisi ya 8 ya mokili. Sikoyo oyebi mpo na nini.
Mpo na nini kotika kaka banki esala yango te?
Ba banki efutisaka 1–2% na mbula mpo na kosalela mbongo na yo. Yango emonanaka moke, kasi ba frais yango ezali ko-composer contre yo na ba décennies. Fonds ya banki oyo efutisaka 1.5% ekoki kolya 30–40% ya rendements na yo nyonso na mbula 25.
ETF ya talo moke efutisaka 0.07–0.20%. Sombá yango yo moko na nzela ya courtier lokola DEGIRO — miniti 10 mpo na ko-installer — mpe batelá bokeseni yango ezali ko-composer mpo na yo.
