Wake wazibuza ukuthi ungayibala kanjani inzuzo evela ekutshalweni kwakho?
Uma kunjalo, lesi sihloko siyizindaba ezinhle kuwe. Uzofunda indlela ebizwa nge-CAGR.
Lokhu okuthunyelwe kuzokufundisa konke odinga ukukwazi nge-CAGR nokuthi ungayisebenzisa kanjani ekubaleni kwakho kwezezimali.
Nasi isifinyezo esisheshayo salokho esizokuhlanganisa ngokulandelayo:
Yini i-CAGR?
I-CAGR imele “Izinga Lokukhula Lonyaka Elihlanganisiwe” futhi ingabalwa cishe nganoma yini engase yehle noma yehle ngenani ngokuhamba kwesikhathi.
I-CAGR ingasetshenziswa ukuchaza izinkambu eziningi zokufunda. Kodwa-ke, isetshenziswa ngokuyinhloko kwezezimali, ezomnotho, kanye nezibalo zabantu.
Izinga lokukhula lonyaka elihlanganisiwe (CAGR) le- ukutshalwa kwezimali isilinganiso sokukhula sonyaka sokukhula kwe-investimenti esikhathini esicacisiwe esingaphezu konyaka owodwa.
Ngamazwi alula, kukubonisa ukuthi ingakanani imali oyitshalile ezuzwe unyaka ngamunye ngesikhathi esithile.
I-CAGR enhle isho ukuthi utshalomali lwakho lunyukile, kuyilapho i-CAGR engeyinhle isho ukuthi utshalomali lwakho lwehlile.
Ungabala kanjani i-CAGR?
Ungakwazi ukubala i-CAGR ngokusebenzisa amapharamitha amathathu alandelayo:
- I-Value Yokuqala Yokutshalwa Kwezimali
- Qeda Inani Lotshalomali
- Isikhathi Sotshalomali (Iminyaka)
Ifomula yezibalo yokulinganisa i-CAGR yile:
Isibonelo, uma inani lokuqala lingu-Rs 1,000, futhi inani lokugcina lingu-Rs 2,500 ngesikhathi sokutshala iminyaka engu-5, i-CAGR ibalwa ngale ndlela elandelayo:
I-CAGR = (2,500/1,000)^(1/5)-1 = 20.11%
Linda!
Ungakhathazeki, awudingi ukubala mathupha. Ngilapha ukwenza impilo yakho ibe lula.
Sinezethu uqobo I-Calculator ye-CAGR eku-inthanethi.
Vele ufake i-Values futhi uzothola i-CAGR kuma-microsecond.
Izinzuzo Nezingozi ze-CAGR
I-CAGR ingenye yamamethrikhi athembeke kakhulu ukulinganisa ukukhula kwe-investimenti yakho ngoba ibala inzalo ehlanganisiwe. Ngokungafani nenani eliphelele lembuyiselo, i-CAGR inikeza isilinganiso esinembe kakhudlwana.
Ake sibheke okuhle nokubi kwe-CAGR:
Izinzuzo ze-CAGR:
- I-CAGR ikusiza ekunikezeni ukuqonda okungcono kokusebenza kwenkampani uma uqhathanisa nenye. Ungenza izinqumo ezinembile zokutshala izimali ezingaholela enzuzweni ephezulu kuwe.
- I-CAGR ihlinzeka ngendlela elula yokuhlola nokuqhathanisa imbuyiselo yangaphambilini yenkampani esohlwini stock market lokho kukusiza ukuthi uqonde amandla nobuthakathaka bezinkampani.
- I-CAGR ikusiza ekuqhathaniseni imbuyiselo ye-investimenti yakho naleyo evela kwezinye izimali ezitshaliwe.
- I-CAGR iphinda isetshenziswe njengesilinganiso sokuguquguquka nobungozi, njengoba ikhombisa inani lokungaqiniseki kutshalomali noma iphothifoliyo.
- Inzuzo ebaluleke kakhulu ye-CAGR ukuthi ibala isilinganiso saminyaka yonke lapho utshalomali ku-a isikhwama sokubambisana uhlelo noma isabelo sokulingana sikhule ngesikhathi esithile. Ngakho-ke, ngokubala i-CAGR, unganquma ukuthi ukutshalwa kwezimali kwakho kufinyelele umgomo obuwubekele kona ngaphambilini noma cha.
- I-CAGR ikusiza ekusizeni ukuguquguquka okuhambisana nokusebenza kwesikhathi esifushane.
Izingozi ze-CAGR
I-CAGR iyimethrikhi ewusizo ngezinjongo eziningi, kodwa inemikhawulo ethile okufanele uyiqaphele.
1. I-CAGR ayikhombisi ukuntengantenga kwemakethe:
Umkhawulo obaluleke kakhulu ukuthi i-CAGR ayikutsheli okuningi mayelana nokusebenza kwangempela kokutshalwa kwezimali.
Inombolo eyodwa yokubuyisela yonyaka ayinikezi noma yimuphi umuzwa wokuthi kwenzakalani ngaphansi.
Ingafihla ukuguquguquka okukhulu ekutshalweni kwezimali noma yenze ukutshalwa kwezimali okuguquguqukayo kubukeke kuncane kakhulu.
Isibonelo, uma i-Rs. I-10,000 yokutshala imali ikhuphukela ku-Rs. 15,000 ngonyaka owodwa, bese wehlela ku-Rs. 5,000 ngonyaka olandelayo, bese ibuyisela ku-Rs. 15,000 ngonyaka olandelayo, i-CAGR kuleyo minyaka emithathu ingama-0%. Kodwa inani lakho langempela lephothifoliyo beligcwele yonke indawo.
Ukube ubungakwazi lokhu, ubungacabanga ukuthi iphothifoliyo yakho ibizinzile ngesikhathi ingazinzile.
Eqinisweni, kulokhu, kungaba ukudukisa ukusebenzisa i-CAGR nhlobo ngoba ifihla iqiniso lokuthi iphothifoliyo yakho yehle ngo-50% ngesikhathi esisodwa.
2. I-CAGR ayibali njengemali ebanjwayo kusuka ekutshalweni kwezimali:
I-CAGR icabanga ukuthi konke izabelo noma izinkokhelo zenzalo ziphinde zitshalwe zibuyiselwe esikhwameni.
Kusho ukuthi uma uphila ngemali engenayo emalini oyitshalile futhi ungaphinde ukutshale izimali zakho, kuzokunikeza isithombe esingalungile sokusebenza kwakho kokutshalwa kwezimali.
3. Ukutshalwa kwezimali
I-CAGR iyimethrikhi enhle yokuqhathanisa ukutshalwa kwezimali nezindleko zokuqala ezihlukene kanye namanani okugcina.
Nokho, akunandaba ukuthi ingakanani imali onayo ekuqaleni utshale emalini oyitshalile noma ukuthi kamuva wahoxa kangakanani kuyo.
4. Ukunemba
I-CAGR inikeza isilinganiso esinembile sembuyiselo kuphela uma izinga lembuyiselo lingaguquki unyaka ngamunye. Lokhu kusho ukuthi uma ukusebenza kwephothifoliyo yakho kuguquguquka futhi kuhluka unyaka ngamunye, i-CAGR ngeke ikunikeze isithombe esinembile sokusebenza kwakho kokutshala imali ngokuhamba kwesikhathi.
5. Akusebenzi ku-SIP:
I-CAGR ingase ingabi isilinganiso esifanele sokubala imbuyiselo yokutshalwa kwezimali okwenziwe ngaphansi kohlelo Lokutshalwa Kwezimali Oluhlelekile (SIP).
Inani lokuqala kuphela le-investimenti elicatshangelwa ukubala i-CAGR.
Ihluke Kanjani I-CAGR Ku-XIRR Noma Amanye Amamethrikhi Afanayo?
I-CAGR izinga elincomekayo lembuyiselo phakathi kwezinsuku ezimbili.
Kulula ukuyisebenzisa futhi uyiqonde, kodwa ihlukile kwamanye amamethrikhi ongawasebenzisa nawo azama ukumela izinga “elisebenzayo” lembuyiselo ekutshalweni kwezimali ngokuhamba kwesikhathi.
Ake sixoxe ngamanye amamethrikhi abalulekile okubala izinga lembuyiselo ekutshalweni kwezimali:
Iyini i-XIRR?
I-XIRR (Isilinganiso Sangaphakathi Esandisiwe Sembuyiselo) wumsebenzi wezezimali ongabala izinga lembuyiselo yokutshalwa kwezimali lapho izinkokhelo nokugeleza kwemali kungavamile.
Uma kuqhathaniswa ne-CAGR, i-XIRR iyindlela enembe kakhudlwana yokubala izinzuzo zakho ekutshalweni kwezimali okwenziwa ngezikhathi ezithile phakathi nesikhathi.
Icabangela izinsuku eziqondile ukutshalwa kwezimali okwenziwe futhi kwatholwa phakathi naso sonke isikhathi sokutshala.
Ngamanye amazwi, i-XIRR ibala inzalo ehlanganisiwe ezuzwe ekutshalweni kwezimali okwenziwe ngezikhathi ezithile esikhundleni sephuzu elilodwa ngesikhathi.
Nokho, ifomula ye-XIRR ayiphelele.
Kungase kusimangaze ukuthi kokubili okuzuziwe okungakafinyelelwa futhi okutholakele kufakiwe ngenkathi kubalwa i-XIRR. Ifomula iphinde icabange ukuthi imali ekhishiwe ithola imbuyiselo efanayo.
Liyini Izinga Eliphelele Lokubuyisela (ARR)?
Izinga eliphelele lembuyiselo yinani lemali ezuziwe noma elahlekile ekutshalweni kwezimali esikhathini esithile, esivezwa njengephesenti.
Izinga eliphelele lembuyiselo libalwa ngokuhlukanisa inani elizuziwe noma elilahlekile phakathi nenkathi ivelu yokuqala ye-investimenti.
Isibonelo, uma umtshali-zimali ethenga amasheya ngo-Rs 10,000 futhi adayise ngo-Rs 12,000 ngonyaka owodwa kamuva, kusho ukuthi wenze inzuzo ka-Rs 2,000. Ukwehlukanisa lokhu ngenani langempela kunikeza isilinganiso esiphelele sembuyiselo esingu-20%.
Izinga eliphelele lembuyiselo linikeza isilinganiso sokusebenza esinganciki esikhathini, okwenza kube lula ukuqhathanisa ukutshalwa kwezimali okuhlukile.
Kodwa-ke, ayikubheki ukwehla kwamandla emali noma ezinye izici ezingase zibe nomthelela enanini lemali ngokuhamba kwesikhathi. Ngakho-ke inikeza isilinganiso esilinganiselwe sokusebenza futhi kufanele kucatshangelwe ngokuhambisana nezinye izinyathelo.
Isiphetho
Uma ufuna ukuqala uhlelo lokutshala imali lwesikhathi eside, i-CAGR iyindlela engcono kakhulu ongayisebenzisa.
Ingakusiza ukulandelela ukukhula kwezimali ozitshalile futhi ugweme ukuntengantenga.
Gcina amathebhu eduze ezinqumweni zakho zokutshala imali ngokulandela umkhondo we-CAGR ukuze uqondise ukutshalwa kwezimali kwakho ngokuhlakanipha ukuze uthole imbuyiselo ephezulu.
shiya impendulo