Kodi munayamba mwadzifunsapo momwe mungawerengere zobweza kuchokera kuzinthu zomwe mwagulitsa?
Ngati ndi choncho, nkhaniyi ndi nkhani yabwino kwa inu. Muphunzira njira yotchedwa CAGR.
Izi zikuphunzitsani zonse zomwe muyenera kudziwa za CAGR komanso momwe mungagwiritsire ntchito powerengera ndalama zanu.
Nayi chidule chazomwe tikambirane zotsatirazi:
Kodi CAGR ndi chiyani?
CAGR imayimira "Compound Annual Growth Rate" ndipo imatha kuwerengedwa pafupifupi chilichonse chomwe chingakwere kapena kutsika mtengo pakapita nthawi.
CAGR ikhoza kugwiritsidwa ntchito pofotokoza magawo angapo ophunzirira. Komabe, amagwiritsidwa ntchito makamaka pazachuma, zachuma, ndi kuchuluka kwa anthu.
Chiwerengero cha kukula kwapachaka (CAGR) cha Msungidwe ndiye kukula kwapachaka kwa ndalama zomwe zasungidwa mu nthawi yodziwika yopitilira chaka chimodzi.
M'mawu osavuta, zimakuwonetsani kuchuluka kwa ndalama zomwe mwapeza chaka chilichonse pakanthawi kochepa.
CAGR yabwino imatanthawuza kuti ndalama zanu zakwera, pomwe CAGR yoyipa ikutanthauza kuti ndalama zanu zatsika.
Momwe mungawerengere CAGR?
Mutha kuwerengera CAGR pogwiritsa ntchito magawo atatu awa:
- Mtengo Woyambira wa Investment
- Mapeto a Investment
- Nthawi ya Investment (Zaka)
Njira yamasamu yoyezera CAGR ndi:
Mwachitsanzo, ngati mtengo woyambira ndi Rs 1,000, ndipo mtengo wake ndi Rs 2,500 wokhala ndi nthawi yogulitsa zaka 5, CAGR imawerengedwa motere:
CAGR = (2,500/1,000)^(1/5)-1 = 20.11%
Dikirani!
Osadandaula, simuyenera kuwerengera pamanja. Ndabwera kuti ndikonze moyo wanu.
Tili ndi zathu zathu Calculator ya CAGR ya pa intaneti.
Ingolowetsani Makhalidwe ndipo mupeza CAGR mu ma microseconds.
Ubwino ndi kuipa kwa CAGR
CAGR ndi imodzi mwama metric odalirika kuyerekeza kukula kwa ndalama zanu chifukwa imawerengera chiwongola dzanja. Mosiyana ndi kuchuluka kwa kubweza, CAGR imapereka kuyerekezera kolondola.
Tiyeni tiwone zabwino ndi zoyipa za CAGR:
Ubwino wa CAGR:
- CAGR imakuthandizani kuti mumvetsetse bwino momwe kampaniyo ikugwirira ntchito poyerekeza ndi ina. Mutha kupanga zisankho zolondola zandalama zomwe zingapangitse kuti mupindule kwambiri.
- CAGR imapereka njira yosavuta yowunika ndikufanizira zomwe zachitika m'mbuyomu zamakampani omwe adatchulidwa mu malonda akhalire zomwe zimakuthandizani kumvetsetsa mphamvu ndi zofooka zamakampani.
- CAGR imakuthandizani kufananiza zobweza zomwe mwagulitsa ndi zandalama zina.
- CAGR imagwiritsidwanso ntchito ngati muyeso wa kusakhazikika komanso chiwopsezo, chifukwa ikuwonetsa kuchuluka kwa kusatsimikizika pazachuma kapena mbiri.
- Ubwino wofunikira kwambiri wa CAGR ndikuti imawerengera kuchuluka kwapachaka komwe kuyika ndalama mu a ndalama zonse dongosolo kapena gawo la equity lakula panthawi inayake. Chifukwa chake, powerengera CAGR, mutha kudziwa ngati ndalama zanu zakwaniritsa zomwe mudawakonzera kale kapena ayi.
- CAGR imakuthandizani kuti muchepetse kusakhazikika komwe kumakhudzana ndi magwiridwe antchito kwakanthawi kochepa.
Zoyipa za CAGR
CAGR ndi metric yothandiza pazifukwa zambiri, koma ili ndi zoletsa zina zomwe muyenera kuzidziwa.
1. CAGR sikuwonetsa kusinthasintha kwa msika:
Cholepheretsa chofunikira kwambiri ndichakuti CAGR siyikuwuzani zambiri za momwe ndalama zimagwirira ntchito.
Nambala imodzi yobwereza yapachaka sipereka lingaliro lililonse la zomwe zikuchitika pansi.
Ikhoza kubisa kusasinthasintha kwakukulu mu ndalama kapena kupanga ndalama zowonongeka kwambiri kuti ziwoneke zochepa.
Mwachitsanzo, ngati ma Rs. 10,000 ndalama zimakwera mpaka Rs. 15,000 m’chaka chimodzi, kenako n’kufika ku Rs. 5,000 chaka chamawa, ndiyeno kubwereranso ku Rs. 15,000 chaka chotsatira, CAGR pazaka zitatu izi ndi 0%. Koma mtengo weniweni wa mbiri yanu unali ponseponse.
Ngati simunadziwe izi, mungaganize kuti mbiri yanu inali yokhazikika pamene inali yosakhazikika.
M'malo mwake, pamenepa, zingakhale zosocheretsa kugwiritsa ntchito CAGR konse chifukwa zimabisala kuti mbiri yanu idatsika ndi 50% nthawi imodzi.
2. CAGR sichiwerengera monga zochotsera kuchokera ku ndalama:
CAGR ikuganiza kuti zonse malipiro kapena malipiro a chiwongoladzanja amabwezeretsedwanso m'thumba.
Zikutanthauza kuti ngati mukukhala ndi ndalama zomwe mumapeza komanso osabweza zomwe mwagawa, zidzakupatsani chithunzi cholakwika cha momwe ndalama zanu zimagwirira ntchito.
3. Ndalama
CAGR ndi metric yabwino kufananiza ndalama zomwe zimakhala ndi ndalama zoyambira komanso zomaliza.
Komabe, sizimawerengera ndalama zomwe mumapeza poyamba adaikapo ndalama zanu kapena kuchuluka komwe mudachokako.
4. Kulondola
CAGR imangopereka muyeso wolondola wa kubweza ngati kubweza kumakhala kosasintha chaka chilichonse. Izi zikutanthauza kuti ngati momwe ntchito yanu ikuyendera ndikusinthasintha chaka chilichonse, CAGR sidzakupatsani chithunzi cholondola cha momwe ndalama zanu zimagwirira ntchito pakapita nthawi.
5. Sizikugwira ntchito mu SIP:
CAGR mwina singakhale muyeso woyenera kuwerengera zobweza ndalama zomwe zapangidwa pansi pa Systematic Investment Plan (SIP).
Mtengo woyambira wokha wandalama umaganiziridwa pakuwerengera CAGR.
Kodi CAGR Imasiyana Bwanji ndi XIRR kapena Ma Metric Ena Ofanana?
CAGR ndiye mulingo woyenera wobwerera pakati pa masiku awiri.
Ndiosavuta kugwiritsa ntchito ndikumvetsetsa, koma imasiyana ndi ma metric ena omwe mungagwiritse ntchito omwe amayesanso kuyimira "kubweza" kwanthawi yayitali.
Tiyeni tikambirane ma metric ena ofunikira powerengera kuchuluka kwa zobweza pazachuma:
XIRR ndi chiyani?
XIRR (Extended Internal Rate of Return) ndi ntchito yandalama yomwe imatha kuwerengera kuchuluka kwa ndalama zomwe zimabwezedwa ngati zobweza ndi kutuluka kwandalama kumakhala kosakhazikika.
Poyerekeza ndi CAGR, XIRR ndi njira yolondola kwambiri yowerengera zomwe mumabweza pamabizinesi omwe amapangidwa nthawi ndi nthawi pakapita nthawi.
Zimatengera masiku enieni omwe ndalama zinapangidwa ndi kulandiridwa panthawi yonse ya ndalama.
Mwanjira ina, XIRR imawerengera chiwongola dzanja chomwe chimapezedwa pamabizinesi omwe amapangidwa pakanthawi kochepa m'malo mwa nthawi imodzi.
Komabe, mawonekedwe a XIRR siangwiro.
Zitha kudabwitsa kuti zonse zomwe sizinachitike komanso zomwe zidazindikirika zikuphatikizidwa ndikuwerengera XIRR. Njirayi imaganiziranso kuti ndalama zomwe zachotsedwa zimabwezanso chimodzimodzi.
Kodi Absolute Rate of Return (ARR) ndi chiyani?
Mtheradi wa kubweza ndi kuchuluka kwa ndalama zomwe zapezedwa kapena kutayika pazachuma pakapita nthawi, zowonetsedwa ngati peresenti.
Mtheradi wobwereranso umawerengeredwa pogawa ndalama zomwe zapezedwa kapena zotayika panthawiyi ndi mtengo woyamba wa ndalamazo.
Mwachitsanzo, ngati Investor agula masheya a 10,000 ndikugulitsa 12,000 chaka chimodzi pambuyo pake, ndiye kuti wapeza phindu la 2,000. Kugawa izi ndi mtengo woyambirira kumapereka chiwongola dzanja chokwanira cha 20%.
Mtheradi wa kubweza umapereka muyeso wa magwiridwe antchito omwe sadalira nthawi, kupangitsa kuti zikhale zosavuta kuyerekeza ndalama zosiyanasiyana.
Komabe, siliganizira za kukwera kwa mitengo kapena zinthu zina zomwe zingakhudze mtengo wa ndalama pakapita nthawi. Momwemo zimangopereka zochepa zogwirira ntchito ndipo ziyenera kuganiziridwa pamodzi ndi zina.
Kutsiliza
Ngati mukuyang'ana kuyambitsa ndondomeko yazachuma yanthawi yayitali, CAGR ndiye njira yabwino kwambiri yogwiritsira ntchito.
Ikhoza kukuthandizani kuyang'anira kukula kwa ndalama zanu ndikupewa kusinthasintha.
Yang'anirani mosamala zomwe mwasankha pakugulitsa ndalama potsata CAGR kuti muwongolere ndalama zanu mwanzeru kuti mupeze phindu lalikulu.
Siyani Mumakonda