Shin kun taɓa mamakin yadda ake ƙididdige abubuwan da aka samu daga hannun jarin ku?
Idan haka ne, wannan labarin babban labari ne a gare ku. Za ku koyi fasaha mai suna CAGR.
Wannan sakon zai koya muku duk abin da kuke buƙatar sani game da CAGR da yadda ake amfani da shi a cikin lissafin kuɗin ku.
Ga takaitaccen bayani kan abin da za mu yi bayani a gaba:
Menene CAGR?
CAGR yana nufin "Haɗin Ci gaban Shekara-shekara" kuma ana iya ƙididdige shi kusan duk wani abu da zai iya hawa sama ko ƙasa cikin ƙima akan lokaci.
Ana iya amfani da CAGR don bayyana fannonin karatu da yawa. Koyaya, ana amfani da shi da farko a fannin kuɗi, tattalin arziƙi, da alƙaluma.
Adadin girma na shekara-shekara (CAGR) na wani zuba jari shine matsakaicin girman girma na shekara-shekara na saka hannun jari a cikin ƙayyadadden lokaci sama da shekara ɗaya.
A cikin kalmomi masu sauƙi, yana nuna maka nawa aka samu jarin ku a kowace shekara don wani ɗan lokaci.
Kyakkyawan CAGR yana nufin cewa jarin ku ya karu, yayin da mummunan CAGR yana nufin raguwar jarin ku.
Yadda za a lissafta CAGR?
Kuna iya lissafin CAGR ta amfani da sigogi uku masu zuwa:
- Farkon Darajar Zuba Jari
- Ƙarshen Ƙimar Zuba Jari
- Lokacin Zuba Jari (Shekaru)
Tsarin lissafi don auna CAGR shine:
Misali, idan farkon ƙimar Rs 1,000, kuma ƙarshen ƙimar Rs 2,500 tare da lokacin saka hannun jari na shekaru 5, ana ƙididdige CAGR kamar haka:
CAGR = (2,500/1,000)^(1/5)-1 = 20.11%
Jira!
Kar ku damu, ba sai kun yi lissafi da hannu ba. Na zo nan don sauƙaƙe rayuwar ku.
Muna da namu Kalkuleta na CAGR akan layi.
Kawai shigar da Ƙimar kuma zaku sami CAGR a cikin daƙiƙa guda.
Ribobi da Fursunoni na CAGR
CAGR shine ɗayan ingantattun ma'auni don kimanta haɓakar jarin ku saboda yana ƙididdige riba mai yawa. Ba kamar madaidaicin ƙimar dawowa ba, CAGR yana ba da ƙarin ƙimar ƙima.
Bari mu kalli fa'idodi da rashin amfani na CAGR:
Ribobi na CAGR:
- CAGR yana taimaka muku wajen samar da ingantaccen fahimtar ayyukan kamfanin idan aka kwatanta da wani. Kuna iya yanke shawarar saka hannun jari daidai wanda zai haifar muku da babban riba.
- CAGR yana ba da hanya mai sauƙi don tantancewa da kwatanta koma bayan da wani kamfani da aka jera a cikin stock kasuwa wanda ke taimaka muku fahimtar ƙarfi da raunin kamfanoni.
- CAGR yana taimaka muku kwatanta dawo da hannun jarin ku da na sauran saka hannun jari.
- Hakanan ana amfani da CAGR azaman ma'aunin rashin ƙarfi da haɗari, saboda yana nuna adadin rashin tabbas a cikin saka hannun jari ko fayil.
- Babban fa'idar CAGR shine yana ƙididdige ƙimar shekara-shekara wanda saka hannun jari a cikin wani asusun kuɗi makirci ko rabon ãdalci ya girma a kan takamaiman lokaci. Don haka, ta hanyar ƙididdige CAGR, zaku iya tantance idan jarin ku ya cimma burin da kuka tsara musu a baya ko a'a.
- CAGR yana taimaka muku wajen daidaita yanayin da ke da alaƙa da aikin ɗan gajeren lokaci.
Fursunoni na CAGR
CAGR ma'auni ne mai amfani don dalilai da yawa, amma yana da wasu iyakoki waɗanda yakamata ku sani.
1. CAGR baya nuna canjin kasuwa:
Mafi mahimmancin iyakancewa shine CAGR ba ya gaya muku da yawa game da ainihin aikin saka hannun jari.
Lambar dawowa ta shekara ɗaya ba ta ba da ma'anar abin da ke faruwa a ƙasa ba.
Zai iya ɓoye yawancin rashin ƙarfi a cikin saka hannun jari ko sanya saka hannun jari mai saurin canzawa ya zama ƙasa da haka.
Misali, idan Rs. Zuba jari 10,000 ya haura Rs. 15,000 a cikin shekara guda, sannan zuwa Rs. 5,000 a shekara mai zuwa, sannan kuma ya koma Rs. 15,000 a shekara mai zuwa, CAGR sama da waɗannan shekaru uku shine 0%. Amma ainihin ƙimar fayil ɗinku ta kasance ko'ina.
Idan ba ku san wannan ba, za ku yi tunanin cewa fayil ɗinku ya tsaya tsayin daka lokacin da yake da wani abu sai dai tsayayye.
A zahiri, a wannan yanayin, zai zama yaudara don amfani da CAGR kwata-kwata saboda yana ɓoye gaskiyar cewa fayil ɗin ku ya ragu da kashi 50% a lokaci ɗaya.
2. CAGR ba ya ƙidaya kamar cirewa daga zuba jari:
CAGR yana ɗauka cewa duk ƙididdiga ko kuma an mayar da kuɗin ruwa a cikin asusun.
Yana nufin cewa idan kuna rayuwa ba tare da samun kuɗin shiga daga hannun jarin ku ba kuma ba ku sake saka hannun jarin ku ba, to zai ba ku hoton da bai dace ba na aikin ku na saka hannun jari.
3. Zuba jari
CAGR shine ma'auni mai kyau don kwatanta hannun jari tare da farashi daban-daban na farko da ƙimar ƙarshe.
Koyaya, baya lissafin adadin kuɗin ku da farko zuba jari a cikin jarin ku ko nawa kuka janye daga baya.
4. Yi daidai
CAGR kawai yana ba da daidaitaccen ma'aunin dawowa idan adadin dawowa ya kasance koyaushe kowace shekara. Wannan yana nufin cewa idan aikin fayil ɗin ku yana da canzawa kuma ya bambanta kowace shekara, CAGR ba zai ba ku cikakken hoto game da aikin saka hannun jari na kan lokaci ba.
5. Ba a zartar a cikin SIP:
CAGR na iya zama ma'aunin da ya dace don ƙididdige sakamakon da aka samu don saka hannun jari a ƙarƙashin Tsarin Zuba Jari na Tsare-tsare (SIP).
Ƙimar farkon saka hannun jari ne kawai ake la'akari don ƙididdige CAGR.
Ta yaya CAGR ya bambanta da XIRR ko wasu ma'auni makamantan?
CAGR shine ingantaccen ƙimar dawowa tsakanin kwanaki biyu.
Yana da sauƙin amfani da fahimta, amma ya bambanta da wasu ma'auni da za ku iya amfani da su waɗanda kuma suke ƙoƙarin wakiltar ƙimar “m” na dawowa kan saka hannun jari na ɗan lokaci.
Bari mu tattauna wasu ma'auni masu mahimmanci don ƙididdige ƙimar dawowa kan zuba jari:
Menene XIRR?
XIRR (Extended Internal Rate of Return) aikin kuɗi ne wanda zai iya ƙididdige ƙimar dawowar saka hannun jari lokacin da biyan kuɗi da tsabar kuɗi suka sabawa ka'ida.
Idan aka kwatanta da CAGR, XIRR ita ce hanya mafi dacewa don ƙididdige abubuwan da kuka samu akan hannun jarin da aka yi lokaci-lokaci na tsawon lokaci.
Yana la'akari da ainihin kwanakin da aka sanya hannun jari kuma aka karɓa a duk lokacin saka hannun jari.
A wasu kalmomi, XIRR yana ƙididdige yawan riba da aka samu akan zuba jari da aka yi a tsaka-tsaki maimakon a lokaci guda.
Koyaya, dabarar XIRR ba ta cika ba.
Yana iya zama abin mamaki cewa duka abubuwan da ba a gane su ba kuma an haɗa su yayin ƙididdige XIRR. Har ila yau, tsarin ya ɗauka cewa kuɗin da aka cire yana samun irin wannan riba.
Menene Cikakkar Kuɗi na Komawa (ARR)?
Madaidaicin ƙimar dawowa shine adadin kuɗin da aka samu ko aka rasa akan saka hannun jari na tsawon lokaci, wanda aka bayyana azaman kashi.
Ana ƙididdige madaidaicin ƙimar dawowa ta hanyar rarraba adadin da aka samu ko aka rasa a tsawon lokacin da ƙimar farko ta hannun jari.
Misali, idan mai saka jari ya sayi hannun jari akan 10,000 ya sayar da su 12,000 bayan shekara guda, to ya ci riba 2,000. Rarraba wannan da ƙimar asali yana ba da cikakkiyar ƙimar dawowar 20%.
Madaidaicin ƙimar dawowa yana ba da ma'aunin aikin da ba shi da zaman kansa na lokaci, yana sauƙaƙa kwatanta saka hannun jari daban-daban.
Duk da haka, baya la'akari da hauhawar farashin kaya ko wasu abubuwan da zasu iya tasiri darajar kuɗi a kan lokaci. Don haka yana ba da ƙayyadaddun ma'aunin aiki kuma yakamata a yi la'akari da shi tare da wasu matakan.
Kammalawa
Idan kuna neman fara shirin saka hannun jari na dogon lokaci, CAGR ita ce hanya mafi kyau don amfani.
Zai iya taimaka maka bin diddigin haɓakar jarin ku da kuma guje wa rashin daidaituwa.
Ci gaba da kasancewa kusa da zaɓin saka hannun jari ta hanyar bin CAGR don jagorantar saka hannun jarin ku cikin hikima don samun mafi girman sakamako.
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