Wakambozvibvunza here kuti ungaverenga sei kudzoka kubva mukudyara kwako?
Kana zvakadaro, chinyorwa ichi inhau huru kwauri. Iwe uchadzidza nzira inonzi CAGR.
Iyi positi ichakudzidzisa zvese zvaunoda kuziva nezveCAGR uye mashandisiro ayo mukuverenga kwako kwemari.
Heino rondedzero inokurumidza yezvatichabata inotevera:
Chii chinonzi CAGR?
CAGR inomirira "Compound Annual Growth Rate" uye inogona kuverengerwa kunenge chero chinhu chinogona kukwira kana kudzika mukukosha nekufamba kwenguva.
CAGR inogona kushandiswa kutsanangura akawanda minda yekudzidza. Nekudaro, inonyanya kushandiswa mune zvemari, hupfumi, uye demografia.
Iko kusanganiswa kwegore rekukura mwero (CAGR) ye inivhesitimendi chiyero chekukura kwepagore kweinvestment pane yakatarwa nguva yakareba kupfuura gore rimwe.
Nemashoko akareruka, inokuratidza kuti yakawanda sei mari yako yakawana gore rega rega kwenguva yakapihwa nguva.
A yakanaka CAGR inoreva kuti mari yako yakawedzera, nepo CAGR isina kunaka inoreva kuti mari yako yakadzikira.
Nzira yekuverenga CAGR?
Iwe unogona kuverenga CAGR uchishandisa anotevera paramita matatu:
- Kutanga Kukosha Kwemari
- Kugumisa Kukosha Kwemari
- Period of Investment (Makore)
Iyo masvomhu fomula yekuyera CAGR ndeiyi:
Semuenzaniso, kana kukosha kwekutanga kuri maRs 1,000, uye kukosha kwekupedzisira kuri maRs zviuru zviviri nemazana mashanu nenguva yekudyara yemakore mashanu, CAGR inoverengerwa sezvinotevera:
CAGR = (2,500/1,000)^(1/5)-1 = 20.11%
Mirira!
Usanetseka, haufanirwe kuverenga nemaoko. Ndiri pano kuti ndiite kuti hupenyu hwako huve nyore.
Isu tine zvedu online CAGR Calculator.
Ingo pinda maValues uye iwe uchawana iyo CAGR mumamicroseconds.
Zvakanakira uye Zvakaipa zveCAGR
CAGR ndiyo imwe yeakavimbika metrics yekufungidzira kukura kwekudyara kwako nekuti inoverengera mubereko wakasanganiswa. Kusiyana nechiyero chakakwana chekudzoka, CAGR inopa fungidziro chaiyo.
Ngatitarisei zvakanakira uye zvakaipira zveCAGR:
Zvakanakira zveCAGR:
- CAGR inokubatsira mukupa kunzwisisa kuri nani kwekuita kwekambani mukuenzanisa neimwe. Iwe unogona kuita sarudzo dzekudyara dzakaringana izvo zvinogona kuunza purofiti yepamusoro kwauri.
- CAGR inopa nzira iri nyore yekuongorora uye kuenzanisa zvakapfuura kudzoka kwekambani yakanyorwa mu pamusika wemari izvo zvinokubatsira kuti unzwisise kusimba uye kusasimba kwemakambani.
- CAGR inokubatsira mukuenzanisa madzoro ako ekudyara neaya anobva kune mamwe mainvestimenti.
- CAGR inoshandiswawo sechiyero chekusagadzikana uye njodzi, sezvo inoratidza huwandu hwekusagadzikana mukudyara kana portfolio.
- Chakanyanya kukosha mukana weCAGR ndechekuti inoverengera mwero wepagore wekudyara mu kubatana mari chirongwa kana chikamu cheequity chakura pane imwe nguva yakatarwa. Nekudaro, nekuverenga CAGR, unogona kuona kana mari yako yawana chinangwa chawakange wambovagadzirira kana kwete.
- CAGR inokubatsira mukukwenenzvera kushata kwakabatana nekuita kwenguva pfupi.
Cons yeCAGR
CAGR metric inobatsira kune zvakawanda zvinangwa, asi ine zvimwe zvipimo zvaunofanira kuziva.
1. CAGR hairatidze kusagadzikana kwemusika:
Chinonyanya kukosha ndechekuti CAGR haikuudzi zvakawanda nezvekuita kwekudyara chaiko.
Nhamba imwe chete yekudzoka kwegore haipe chero pfungwa yezviri kuitika pasi.
Inogona kuvanza kuwanda kwekusagadzikana mukudyara kana kuita kuti mari yakawandisa iite senge yakaderera.
Semuenzaniso, kana yako Rs. 10,000 yekudyara inokwira kusvika kuRs. 15,000 mugore rimwe, zvozodzika kusvika kuRs. 5,000 gore rinotevera, uyezve kudzokera kuRs. 15,000 gore rinotevera, iyo CAGR pamusoro peaya makore matatu i0%. Asi yako chaiyo portfolio kukosha yaive kwese kwese.
Kana iwe usingazive izvi, waizofunga kuti yako portfolio yakanga yakagadzikana apo yakanga isina kugadzikana.
Muchokwadi, mune iyi kesi, zvingave kunyengera kushandisa CAGR zvachose nekuti inovanza chokwadi chekuti portfolio yako yakadzika ne50% pane imwe nguva.
2. CAGR haina kuverenga sekubviswa kubva mukudyara:
CAGR inofunga kuti zvese zvikamu kana kuti mari dzemubereko dzinodzoserwa muhomwe yacho.
Zvinoreva kuti kana uri kurarama nemari kubva mukudyara kwako uye usingadzore kugovera kwako, zvino zvinokupa mufananidzo usiri iwo wekuita kwako kwekudyara.
3. Investments
CAGR ndiyo yakanaka metric yekuenzanisa mari yekudyara nemitengo yakasiyana yekutanga uye kukosha kwekupedzisira.
Nekudaro, hazviverenge kuti imarii mari yako pakutanga wakaiswa muinvestment yako kana kuti yakawanda sei yawakazobvisa pairi.
4. Kururamisa
CAGR inongopa chiyero chaicho chekudzoka kana mwero wekudzoka uchingogara gore rega. Izvi zvinoreva kuti kana mashandiro ako epodfolio achichinja uye achisiyana gore rega rega, iyo CAGR haizokupa mufananidzo chaiwo wekuita kwako kwekudyara nekufamba kwenguva.
5. Hazvishande muSIP:
CAGR inogona kunge isiri chiyero chakakodzera chekuverenga madzoro ekudyara kwakaitwa pasi peSystemmatic Investment Plan (SIP).
Chete kukosha kwekutanga kwekudyara kunotariswa kuverenga CAGR.
CAGR Inosiyana Sei neXIRR kana Mamwe MaMetrics Akafanana?
CAGR ndiyo yakaringana mwero wekudzoka pakati pemazuva maviri.
Zviri nyore kushandisa nekunzwisisa, asi zvinosiyana kubva kune mamwe metrics aungashandisa anoedzawo kumiririra "inoshanda" mwero wekudzoka pakudyara kwechinguva.
Ngatikurukurei mamwe ma metric akakosha ekuverenga mwero wekudzoka pakudyara:
Chii chinonzi XIRR?
XIRR (Yakawedzerwa Internal Rate yeKudzoka) ibasa rezvemari rinogona kuverenga chiyero chekudzoka kwekudyara kana mubhadharo uye kubuda kwemari kusingaite.
Sezvichienzaniswa neCAGR, XIRR inzira yakadzama yekuverenga madzoro ako pakudyara kunoitwa nguva nenguva nekufamba kwenguva.
Inofunga nezvemazuva chaiwo ekuti mari yakaitwa uye yakagamuchirwa panguva yese yekudyara.
Mune mamwe mazwi, iyo XIRR inoverengera mubereko wemukomboni wakawanikwa pakudyara kwakaitwa panguva dzakasiyana pane pane imwe nguva panguva.
Nekudaro, iyo formula yeXIRR haina kukwana.
Zvinogona kuuya sechishamiso kuti zvese zvisina kuitika uye zvakawanikwa zvakawanikwa zvinosanganisirwa uchiverenga XIRR. Iyo formula zvakare inofunga kuti mari yakabviswa inowana kudzoka kwakafanana.
Chii chinonzi Absolute Rate of Return (ARR)?
Chiyero chakakwana chekudzoka huwandu hwemari inowanikwa kana yakarasika pakudyara kwechinguvana, inoratidzwa sechikamu.
Mwero wakakwana wekudzoka unoverengerwa nekupatsanura mari yakawanikwa kana yakarasika mukati menguva nemutengo wekutanga wekudyara.
Semuenzaniso, kana munhu anodyara mari achitenga zvikamu zveRs 10,000 uye achitengesa neRs 12,000 gore rimwe gare gare, anobva aita purofiti yeRs 2,000. Kupatsanura izvi nehuwandu hwepakutanga kunopa chiyero chakakwana chekudzoka che20%.
Mwero wakakwana wekudzoka unopa mwero wekuita wakazvimiririra nenguva, zvichiita kuti zvive nyore kuenzanisa mari dzakasiyana.
Nekudaro, haitarise inflation kana zvimwe zvinhu zvinogona kukanganisa kukosha kwemari nekufamba kwenguva. Sezvo zvakadaro inopa chete chiyero chiduku chekushanda uye inofanira kufungwa pamwe chete nemamwe matanho.
mhedziso
Kana iwe uri kutsvaga kutanga chirongwa chekudyara kwenguva refu, CAGR ndiyo nzira yakanakisa yekushandisa.
Inogona kukubatsira kuti uone kukura kwekudyara kwako uye kudzivirira kusagadzikana.
Ramba wakatarisa padhuze sarudzo dzako dzekudyara nekutevera CAGR kutungamira mari yako nehungwaru kuti uwane iyo yakanyanya kudzoka.
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