Kalkuletar Ribar Haɗi
Gano ƙarfin ribar haɗi kuma ku ga yadda kuɗin ku ke girma cikin sauri a tsawon lokaci
Yadda Ake Amfani da Kalkuletar Ribar Haɗi
- Shigar da adadin jarin ku na farko (jari)
- Saita ribar shekara a matsayin kaso
- Zaɓi tsawon lokacin da kuke shirin barin kuɗin ku ya girma
- A zaɓi, ƙara gudunmawar wata-wata ta dindindin
- Zaɓi sau nawa ake haɗa riba (kullum, wata-wata, kwata-kwata, da sauransu)
- Zaɓi sau nawa kuke ba da gudunmawa
- Duba sakamakon da ke nuna adadin ku na ƙarshe da jimillar ribar da aka samu
- Bincika rabe-raben shekara don ganin yadda kuɗin ku ke girma kowace shekara
- Kwatanta ribar haɗi da ribar sauƙi don ganin bambancin
Fahimtar Ribar Haɗi
Ribar haɗi ita ce ribar da aka lissafa a kan jarin farko da kuma ribar da aka tara daga lokutan da suka gabata. An ce Albert Einstein ya kira ta 'abin al'ajabi na takwas a duniya' saboda karfinta na gina dukiya.
Ka'idar Ribar Haɗi
A = P(1 + r/n)^(nt)
Inda A = Adadin Karshe, P = Jari (adadin farko), r = Ribar shekara (a lissafi), n = Adadin lokutan da ake haɗa riba a shekara, t = Lokaci a shekaru
Ribar Haɗi da Ribar Sauƙi
Babban bambanci tsakanin ribar haɗi da ribar sauƙi shi ne cewa ribar haɗi tana samun riba a kan ribar da aka samu a baya, wanda ke haifar da girma cikin sauri a tsawon lokaci.
$10,000 a kashi 5% na shekaru 20
Ribar Sauƙi: Jimilla $20,000 ($10,000 riba)
Ribar Haɗi: Jimilla $26,533 ($16,533 riba)
Amfanin ribar haɗi: $6,533 fiye!
$5,000 a kashi 8% na shekaru 30
Ribar Sauƙi: Jimilla $17,000 ($12,000 riba)
Ribar Haɗi: Jimilla $50,313 ($45,313 riba)
Amfanin ribar haɗi: $33,313 fiye!
$1,000 a kashi 10% na shekaru 40
Ribar Sauƙi: Jimilla $5,000 ($4,000 riba)
Ribar Haɗi: Jimilla $45,259 ($44,259 riba)
Amfanin ribar haɗi: $40,259 fiye!
Tasirin Yawan Haɗa Riba
Yawan haɗa riba yana shafar ribar ku ta ƙarshe. Haɗa riba akai-akai gabaɗaya yana haifar da riba mafi girma, kodayake bambancin yana raguwa da yawan haɗawa.
Shekara-shekara
Ana haɗa riba sau ɗaya a shekara. Sauƙi amma ba girma akai-akai ba.
Yana da kyau ga: Hannun jari, wasu asusun ajiya
Rabin Shekara
Ana haɗa riba sau biyu a shekara. Ci gaba mai matsakaici akan shekara-shekara.
Gama gari ga: Wasu takardun shaida da hannun jari
Kwata-kwata
Ana haɗa riba sau huɗu a shekara. Ci gaba mai ganuwa.
Gama gari ga: Yawancin asusun ajiya da takardun shaida
Wata-wata
Ana haɗa riba sau goma sha biyu a shekara. Daidaito mai kyau na yawan haɗawa.
Gama gari ga: Asusun ajiya mai yawan riba, asusun kasuwar kuɗi
Kullum
Ana haɗa riba sau 365 a shekara. Matsakaicin yawan haɗawa mai amfani.
Gama gari ga: Wasu asusun ajiya na kan layi, katunan bashi
Ƙarfin Lokaci a Ribar Haɗi
Lokaci shine abu mafi ƙarfi a ribar haɗi. Fara da wuri, koda da ƙananan kuɗi, na iya haifar da riba mafi girma fiye da fara a makare da manyan kuɗi.
Mai Fara da Wuri (Shekaru 25-35)
Yana saka $2,000/shekara na tsawon shekaru 10, sannan ya tsaya
Investment: Jimillar jarin: $20,000
Result: Daraja a shekaru 65: $542,796
Saka jari da wuri ya fi nasara duk da ƙarancin gudunmawa
Mai Fara a Makare (Shekaru 35-65)
Yana saka $2,000/shekara na tsawon shekaru 30
Investment: Jimillar jarin: $60,000
Result: Daraja a shekaru 65: $362,528
Gudunmawa mafi girma amma darajar ƙarshe mafi ƙanƙanta saboda ƙarancin lokaci
Mai Saka Jari Akai-akai (Shekaru 25-65)
Yana saka $2,000/shekara na tsawon shekaru 40
Investment: Jimillar jarin: $80,000
Result: Daraja a shekaru 65: $905,324
Naci da lokaci suna haifar da dukiya mafi girma
Dabarun Ribar Haɗi
Fara da Wuri
Da zaran ka fara, da yawan lokacin da ribar haɗi za ta samu don aiki. Koda ƙananan kuɗi na iya girma sosai.
Tip: Fara saka jari a shekarunka na 20, koda $50/wata ne kawai
Gudunmawa ta Dindindin
Gudunmawa akai-akai tana hanzarta girman ribar haɗi ta hanyar ƙara jari a kai a kai.
Tip: Saita saka jari ta atomatik don tabbatar da naci
Sake Saka Ribar
Koyaushe sake saka riba, rabon hannun jari, da ribar jari don haɓaka girman ribar haɗi.
Tip: Zaɓi asusun da suke sake saka riba ta atomatik
Nemi Ribobi Mafi Girma
Koda ƙananan bambance-bambance a cikin ribobi na iya haifar da sakamako daban-daban a tsawon lokaci.
Tip: Nemi mafi kyawun ribobi a asusun ajiya da saka jari
Ƙara Yawan Haɗawa
Haɗa riba akai-akai na iya haɓaka riba, musamman a ribobi mafi girma.
Tip: Zaɓi haɗa riba ta yau da kullum ko ta wata-wata idan ya yiwu
Guji Cire Kuɗi da Wuri
Cire jari ko riba yana katse girman ribar haɗi kuma yana rage ribar dogon lokaci.
Tip: Ajiye kuɗin gaggawa daban don gujewa taɓa saka jarin dogon lokaci
Ayyuka a Rayuwa ta Zahiri
Ajiyar Kuɗi Mai Yawan Riba
Rate: 3-5% a shekara
Compounding: Kullum ko wata-wata
Zaɓi mai aminci da sauƙin cirewa don kuɗin gaggawa da manufofin gajeren lokaci
Best For: Kuɗin gaggawa, manufofin ajiya na gajeren lokaci
Takaddun Shaida na Ajiya
Rate: 4-6% a shekara
Compounding: Wata-wata ko kwata-kwata
Riba mai tsayayye, mai inshorar FDIC tare da tara don cirewa da wuri
Best For: Sanannun kuɗaɗen gaba, masu saka jari masu ra'ayin mazan jiya
Asusun Hannun Jari
Rate: 3-8% a shekara
Compounding: Wata-wata (ta hanyar sake saka jari)
Tarayyar hannun jari daban-daban tare da gudanarwa ta ƙwararru
Best For: Samun kuɗin shiga, rarraba jari
Saka Jari a Kasuwar Hannun Jari
Rate: 7-10% a shekara (a tarihi)
Compounding: Ta hanyar sake saka rabon hannun jari
Girman dogon lokaci ta hanyar haɓakar darajar hannun jari da rabon hannun jari
Best For: Gina dukiya na dogon lokaci, tsara ritaya
Asusun Ritaya (401k, IRA)
Rate: 7-10% a shekara (a tarihi)
Compounding: Girman da aka jinkirta haraji
Asusun da ke da fa'idodin haraji don ajiyar ritaya
Best For: Tsara ritaya, saka jari mai ingancin haraji
Ajiyar Ilimi (Shirye-shiryen 529)
Rate: 5-9% a shekara
Compounding: Girman ba tare da haraji ba don ilimi
Ajiyar da ke da fa'idodin haraji don kuɗaɗen ilimi
Best For: Ajiyar jami'a, tsara ilimi
Kuskuren Gama Gari a Ribar Haɗi
MISTAKE: Jiran fara saka jari
Consequence: Asarar shekarun girman ribar haɗi
Solution: Fara nan da nan, koda da ƙananan kuɗi
MISTAKE: Cire kuɗi da wuri
Consequence: Katse girman ribar haɗi
Solution: Bar saka jarin dogon lokaci ba tare da an taɓa ba, kiyaye kuɗin gaggawa daban
MISTAKE: Rashin sake saka rabon hannun jari
Consequence: Asarar ribar haɗi
Solution: Koyaushe zaɓi zaɓuɓɓukan sake saka rabon hannun jari ta atomatik
MISTAKE: Mayar da hankali kan riba kawai
Consequence: Manta da kuɗaɗen da ke rage riba
Solution: Yi la'akari da jimillar riba bayan duk kuɗaɗe da kashe-kashe
MISTAKE: Gudunmawa maras daidaito
Consequence: Rage yuwuwar girman ribar haɗi
Solution: Saita gudunmawa ta atomatik, ta dindindin
MISTAKE: Firgita yayin faɗuwar kasuwa
Consequence: Siyarwa a farashi mai arha da asarar girman murmurewa
Solution: Kasance da himma ga dabarun dogon lokaci yayin rashin tabbas
Tambayoyi Akai-akai Game da Ribar Haɗi
Mene ne bambanci tsakanin APR da APY?
APR (Ribar Kaso na Shekara) ita ce ribar shekara mai sauƙi, yayin da APY (Ribar Kaso na Shekara) ta haɗa da tasirin ribar haɗi. APY koyaushe ya fi APR girma idan ana haɗa riba fiye da sau ɗaya a shekara.
Sau nawa ya kamata a haɗa riba don samun mafi girman fa'ida?
Haɗa riba kullum ya fi dacewa, amma bambanci tsakanin kullum da wata-wata yawanci ƙanƙani ne. Tsalle daga haɗa riba ta shekara-shekara zuwa wata-wata ya fi muhimmanci fiye da daga wata-wata zuwa kullum.
An tabbatar da ribar haɗi?
A'a, sai dai a asusun da ke da riba mai tsayayye kamar takardun shaida da asusun ajiya. Ribar saka jari tana canzawa kuma ba a tabbatar da ita ba, amma a tarihi kasuwar hannun jari ta sami matsakaicin 7-10% a shekara a tsawon lokaci.
Yaya girman bambancin da fara da wuri ke yi?
Babban bambanci. Fara saka jari a shekaru 25 maimakon 35 na iya haifar da kuɗi sau 2-3 fiye da haka a lokacin ritaya, koda da gudunmawar wata-wata da riba iri ɗaya.
Shin in biya bashi ko in saka jari don girman ribar haɗi?
Gabaɗaya biya bashin da ke da riba mai yawa da farko (katunan bashi, rancen kai). Ga bashin da ke da riba mai ƙanƙanta kamar jingina, za ka iya saka jari a lokaci guda idan ribar da ake tsammani ta zarce ribar bashin.
Mene ne mafi ƙarancin adadin da ake buƙata don amfana da ribar haɗi?
Duk wani adadi yana amfana da ribar haɗi. Koda $1 zai girma cikin sauri a tsawon lokaci. Mabuɗin shine fara da wuri da kasancewa da naci da gudunmawa.
Yaya hauhawar farashi ke shafar ribar haɗi?
Hauhawar farashi tana rage ikon siye a tsawon lokaci. Ribar ku ta gaske ita ce girman ribar haɗin ku cire hauhawar farashi. Nemi ribar da ta zarce hauhawar farashi sosai (yawanci 2-3% a shekara).
Shin ribar haɗi na iya aiki a kaina?
Iya! Bashin katin bashi yana haɗa riba a kanka. Bashin katin bashi na $1,000 a APR na 18% na iya girma zuwa sama da $5,000 a cikin shekaru 10 idan ana biyan mafi ƙarancin adadi kawai.
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