Ngaba wakha wazibuza ukuba ungayibala njani imbuyekezo evela kutyalo-mali lwakho?
Ukuba kunjalo, eli nqaku ziindaba ezimnandi kuwe. Uza kufunda ubuchule obubizwa ngokuba yi-CAGR.
Esi sithuba siya kukufundisa yonke into ekufuneka uyazi malunga ne-CAGR kunye nendlela yokuyisebenzisa ekubaleni kwakho imali.
Nanku ushwankathelo olukhawulezayo lwento esiza kuyigubungela ngokulandelayo:
Yintoni iCAGR?
I-CAGR imele "iNqanaba lokuKhula koNyaka" kwaye ingabalwa phantse kuyo nantoni na enokunyuka okanye yehle ngexabiso ngokuhamba kwexesha.
I-CAGR inokusetyenziselwa ukuchaza iinkalo ezininzi zokufunda. Nangona kunjalo, isetyenziswa ikakhulu kwezemali, ezoqoqosho, kunye nedemografi.
Izinga lokukhula lonyaka elihlanganisiweyo (CAGR) le utyalo-mali sisilinganiselo sokukhula komyinge wonyaka wotyalo-mali kwixesha elichaziweyo elingaphezu konyaka omnye.
Ngamagama alula, ikubonisa ukuba ufumene malini utyalo-mali lwakho ngonyaka ngexesha elithile.
I-CAGR entle ithetha ukuba utyalo-mali lwakho lonyukile, ngelixa i-CAGR engalunganga ithetha ukuba utyalo-mali lwakho lwehlile.
Ibalwa njani iCAGR?
Ungabala i-CAGR ngokusebenzisa ezi parameters zintathu zilandelayo:
- Ixabiso lokuqala loTyalo-mali
- Phelisa ixabiso loTyalo-mali
- Ixesha loTyalo-mali (Iminyaka)
Ifomula yemathematika yokulinganisa iCAGR yile:
Ngokomzekelo, ukuba ixabiso lokuqala liyi-Rs 1,000, kwaye ixabiso lokugqibela yi-Rs 2,500 kunye nexesha lotyalo-mali lweminyaka emi-5, i-CAGR ibalwa ngolu hlobo lulandelayo:
I-CAGR = (2,500/1,000)^(1/5)-1 = 20.11%
Yima!
Ungakhathazeki, akufuneki ukubala ngesandla. Ndilapha ukwenza ubomi bakho bube lula.
Sinazo ezethu I-CAGR Calculator ye-intanethi.
Faka nje amaxabiso kwaye uya kufumana i-CAGR kwii-microseconds.
IiPros and Cons of CAGR
I-CAGR yenye yezona metrics ezithembekileyo zokuqikelela ukukhula kotyalo-mali lwakho kuba ibala inzala edibeneyo. Ngokungafaniyo nezinga elipheleleyo lembuyekezo, i-CAGR ibonelela ngoqikelelo oluchanekileyo.
Makhe sijonge okuhle kunye nokungalunganga kwe-CAGR:
IiPros zeCAGR:
- I-CAGR ikunceda ekuboneleleni ngokuqonda ngcono ukusebenza kwenkampani xa kuthelekiswa nenye. Unokwenza izigqibo ezichanekileyo zotyalo-mali ezinokukhokelela kwingeniso ephezulu kuwe.
- I-CAGR ibonelela ngendlela elula yokuvavanya kunye nokuthelekisa imbuyekezo yangaphambili yenkampani edwelisiweyo kwi imakethi yesitokhwe oko kukunceda uqonde amandla kunye nobuthathaka beenkampani.
- I-CAGR iyakunceda ekuthelekiseni imbuyekezo yakho yotyalo-mali kunye nezo zisuka kolunye utyalo-mali.
- I-CAGR ikwasetyenziswa njengomlinganiselo wokuguquguquka kunye nomngcipheko, njengoko ibonisa isixa sokungaqiniseki kutyalo-mali okanye kwipotfoliyo.
- Eyona nzuzo ibalulekileyo yeCAGR kukuba ibala ireyithi yonyaka apho utyalo-mali kwi ngxowa-mali iskim okanye isabelo sobulungisa sikhule ngexesha elithile. Ke, ngokubala i-CAGR, unokugqiba ukuba ngaba utyalo-mali lwakho lufezekise injongo obuyibekele yona ngaphambili okanye hayi.
- I-CAGR ikunceda ekuhleni ukuguquguquka okuhambelana nokusebenza kwexesha elifutshane.
Iingxaki zeCAGR
I-CAGR yimetric eluncedo ngeenjongo ezininzi, kodwa inemida ethile ekufuneka uyazi.
1. I-CAGR ayibonisi ukungazinzi kwemarike:
Owona mda ubalulekileyo kukuba iCAGR ayikuxeleli okuninzi malunga nokusebenza kotyalo-mali.
Inombolo enye yembuyekezo yonyaka ayinikezi nayiphi na ingqiqo yokuba kuqhubeka ntoni ngaphantsi.
Inokufihla ukuguquguquka okuninzi kutyalo-mali okanye yenze utyalo-mali oluguquguqukayo kakhulu lubukeke luncinci.
Umzekelo, ukuba i-Rs. I-10,000 yotyalo-mali inyukela kwi-Rs. 15,000 ngonyaka omnye, ze zehle ziye kutsho kwi-Rs. 5,000 kunyaka olandelayo, ize emva koko ibuyele kwi-Rs. I-15,000 kunyaka olandelayo, i-CAGR kule minyaka mithathu yi-0%. Kodwa ixabiso lakho lepotfoliyo lalikuyo yonke indawo.
Ukuba ubungayazi le nto, ubuya kucinga ukuba ipotfoliyo yakho ibizinzile xa ibizinzile.
Ngapha koko, kule meko, kuya kuba kulahlekisa ukusebenzisa i-CAGR kwaphela kuba ifihla into yokuba ipotifoliyo yakho yehle nge-50% ngaxeshanye.
2. I-CAGR ayibali njengokutsalwa kwemali ukusuka kutyalo-mali:
I-CAGR icinga ukuba konke izabelo okanye iintlawulo zenzala zibuyiselwa kwingxowa-mali.
Kuthetha ukuba ukuba uphila ngomvuzo osuka kutyalo-mali lwakho kwaye awuphinde utyale unikezelo lwakho, oko kuya kukunika umfanekiso ongachanekanga wotyalo-mali lwakho.
3. Utyalo-mali
I-CAGR yimetric elungileyo yokuthelekisa utyalo-mali kunye neendleko zokuqala ezahlukeneyo kunye namaxabiso okugqibela.
Nangona kunjalo, ayithethi ukuba yimalini onayo qaleni utyale kutyalo-mali lwakho okanye urhoxe kangakanani emva koko.
4. Ukuchaneka
I-CAGR inika kuphela umlinganiselo ochanekileyo wembuyekezo ukuba izinga lembuyekezo lihlala lihleli ngonyaka ngamnye. Oku kuthetha ukuba ukuba ukusebenza kwepotfoliyo yakho kuguquguquka kwaye kuyahluka ngonyaka ngamnye, iCAGR ayizukukunika umfanekiso ochanekileyo wokuqhuba kotyalo-mali lwakho ekuhambeni kwexesha.
5. Ayisebenzi kwi-SIP:
I-CAGR isenokungabi ngumlinganiselo ofanelekileyo wokubala imbuyekezo kutyalo-mali olwenziwe phantsi kweSicwangciso soTyalo-mali oluCwangcisiweyo (SIP).
Kuphela lixabiso lokuqala lotyalo-mali elithathelwa ingqalelo ekubaleni iCAGR.
I-CAGR yohluke njani kwi-XIRR okanye kwezinye iiMetrics ezifanayo?
I-CAGR lizinga elilindelekileyo lembuyekezo phakathi kwemihla emibini.
Kulula ukuyisebenzisa kwaye iyaqondakala, kodwa iyahluka kwezinye iimetrics onokuzisebenzisa ezikwazama ukumela umyinge “osebenzayo” wembuyekezo kutyalo-mali ekuhambeni kwexesha.
Makhe sixoxe ngezinye iimetriki ezibalulekileyo zokubala izinga lembuyekezo kutyalo-mali:
Yintoni i-XIRR?
I-XIRR (iReyithi Eyongeziweyo yaNgaphakathi yokuBuyisela) ngumsebenzi wemali onokubala ireyithi yembuyekezo kutyalo-mali xa iintlawulo kunye nokuhamba kwemali kungaqhelekanga.
Xa kuthelekiswa neCAGR, iXIRR yindlela echaneke ngakumbi yokubala imbuyekezo yakho kutyalo-mali olwenziwa ngamaxesha athile kwixesha elithile.
Ithathela ingqalelo imihla echanekileyo yokuba utyalo-mali olwenziwe lwaza lwafunyanwa ngalo lonke ixesha lotyalo-mali.
Ngamanye amazwi, i-XIRR ibala inzala ehlanganisiweyo efunyenwe kutyalo-mali olwenziwe ngamaxesha athile endaweni yenqaku elinye kwixesha.
Nangona kunjalo, ifomula ye-XIRR ayifezekanga.
Isenokumangalisa ukuba zombini iinzuzo ezingafezekanga neziqondwayo zibandakanyiwe ngelixa kubalwa i-XIRR. Ifomula ikwathatha ukuba imali ekhutshiweyo ifumana imbuyekezo efanayo.
Yintoni iNqanaba lokuBuyisa ngokupheleleyo (ARR)?
Umlinganiselo opheleleyo wembuyekezo sisixa semali ezuziweyo okanye elahlekileyo kutyalo-mali kwixesha elithile, elichazwe njengepesenti.
Umlinganiselo opheleleyo wembuyekezo ubalwa ngokwahlula imali efunyenweyo okanye elahlekileyo ngelo xesha ngexabiso lokuqala lotyalo-mali.
Ngokomzekelo, ukuba umtyali-mali uthenga izabelo ngee-Rs 10,000 aze azithengise ngee-Rs 12,000 kunyaka omnye kamva, ngoko wenze inzuzo ye-Rs 2,000. Ukwahlula oku ngexabiso lokuqala kunika umlinganiselo opheleleyo wembuyekezo we-20%.
Izinga elipheleleyo lembuyekezo linika umlinganiselo wokusebenza ozimeleyo kwixesha, okwenza kube lula ukuthelekisa utyalo-mali olwahlukileyo.
Nangona kunjalo, ayikuthatheli ingqalelo ukunyuka kwamaxabiso okanye ezinye izinto ezinokuchaphazela ixabiso lemali ekuhambeni kwexesha. Ngaloo ndlela ibonelela kuphela umlinganiselo olinganiselweyo wentsebenzo kwaye kufuneka ithathelwe ingqalelo kunye neminye imilinganiselo.
isiphelo
Ukuba ujonge ukuqala isicwangciso sotyalo-mali sexesha elide, i-CAGR yeyona ndlela ilungileyo yokusebenzisa.
Inokukunceda ukulandelela ukukhula kotyalo-mali lwakho kwaye uphephe ukuguquguquka.
Gcina iithebhu ezikufutshane kukhetho lwakho lotyalo-mali ngokulandela umkhondo we-CAGR ukukhokela utyalo-mali lwakho ngobulumko ukuze ufumane imbuyekezo ephezulu.
Shiya iMpendulo