Kunemiqondo eminingi yezezimali okuthi, ngaphandle kokuthi uchwepheshe weqiniso, ubalekele ukuqonda kwakho. Lokhu yilokho okwenzekayo, isibonelo, esimweni senzuzo ehlanganisiwe, into ebaluleke kakhulu ikakhulukazi ngokonga.
Kodwa, Yini intshisekelo ehlanganisiwe? Kwehluke kanjani entshisekelweni elula? Futhi ngaphezu kwakho konke, lokhu kungabalwa kanjani? Konke lokho nokunye okuningi yilokho esizoxoxa ngakho nawe namuhla.
Yini intshisekelo ehlanganisiwe?
Inzalo ehlanganisiwe ibhekisa ku- imiphumela etholakele ingeza imali yokuqala maqondana nezinye izimbuyiselo. Isibonelo, ake ucabange ukuthi unenhlokodolobha yama-euro angama-100. Futhi lokho kukunika ukubuya kwama-euro ayishumi. Inzalo ehlanganisiwe ingaba yilawo ma-euro ayikhulu we-capital capital kanye nama-euro ayi-10 wezimbuyiselo.
Ngamanye amagama, yilokho okungeziwe kulokho kutshalwa kwezimali kokuqala okwenzile, nakho lokho okudala izintshisekelo ezintsha. Eqinisweni, leso isihluthulelo sokuhlanganisa inzalo, lapho senza khona inzalo entsha.
Izici zentshisekelo ehlanganisiwe
Ngakho-ke, izici ozithola lapho ukhuluma ngentshisekelo eyinhlanganisela yilezi ezilandelayo:
- Unayo imali ekhula esikhathini ngasinye, okungaba ngeviki, ngenyanga, ngonyaka, kabili ngonyaka ... Lokhu kusungulwa ngokuya ngemibandela enivumelene ngayo. Futhi isizathu sokuthi kungani ikhula kungenxa yokuthi izintshisekelo ezintsha kanye nalezo zinzuzo ozitholayo zengeziwe kukho.
- La Izinga lenzalo lilokhu liguquka. Kunengqondo uma ubheka ukuthi imali oyitshalayo iyakhula futhi lokho kunomthelela ekutheni inzalo yehluke.
- Njengoba leli zinga lenzalo lenyuka, i izintshisekelo zalokho okuholayo nazo ziphakeme, ngakho-ke uhlala uthola okuthe xaxa kunendlela oyiqale ngayo.
Yingakho lo mqondo ubaluleke kangaka futhi uyilokho okungakusiza ukuthi imali onayo ikulethele okuthile esikhundleni sokungasebenzi.
Inzalo ehlanganisiwe nentshisekelo elula
Manje, ngaphezu kwenzalo ehlanganisiwe, kukhona nomqondo wenzalo elula. Zombili zingabonakala zifana, kodwa empeleni azifani.
Okokuqala, inzalo elula itholakala ngokuyisebenzisa enhlokodolobha yokuqala, kepha njengoba lokhu kungashintshi (ngoba kuzoba yisibalo sokuqala ositshalile), inzalo iyohlala ifana esikhathini ngasinye, okungukuthi, lezi zithakazelo azangezelwa enhlokodolobha ukuze zikwazi ukwenza ezintsha.
Isibonelo esicacile yilapho ubeka imali yokuqala yama-euro angama-100 bese uqoqa inzuzo yama-euro ayi-10. Esikhundleni sokuyisebenzisa ukuze inhlokodolobha ibe nkulu, ama-euro ayi-110, bese uthola inzuzo ephakeme, okwenzayo ukukhipha lawo ma-euro ayi-10 bese uqhubeka nenhlokodolobha efanayo yama-euro angama-100 ukuze uqhubeke nokuthola imali elinganayo ngaso sonke isikhathi.
Yenzelwe ini
Njengoba ubonile, inzalo ehlanganisiwe isetshenziswa ngaphezu kwakho konke ukuthola imbuyiselo enkulu emalini yakho. Lapho uya ukutshala inzuzo ukuqhubeka nokukhulisa imali yokuqala, Lokho kukutshela ukuthi, ekugcineni, uzothola imali eningi kakhulu kunalokho uma utshale kuphela imali yakho kaninginingi.
Ngale ndlela, kuzozuzisa wena kakhulu ekupheleni kwaleyo nkathi futhi uzothola imali eningi kakhulu kunalokho uma ukwenze kuphela ngenzalo elula.
Ibalwa kanjani inzalo ehlanganisiwe
Ukubala inzalo ehlanganisiwe akunzima, yize ifomula ingangethusa kancane.
Futhi yilokho ifomula yenzalo ehlanganisiwe Kunje:
Inhlokodolobha yokugcina = C0 x (1 + Ti) ^ t
Kulesi simo, i-CO yilokho okubizwa ngokuthi inhlokodolobha yokuqala, okungukuthi, inani olitshala okokuqala ngqa. Ngokwengxenye yayo, i-Ti isilinganiso senzalo yonyaka (okungukuthi, inzalo ozoba nayo kuleyo capital); yt yisikhathi sokuthi uzogcina lokho kutshalwa kwezimali (^ t kusho ukuthi kuphakanyiswe yisikhathi).
Le fomula kufanele ibalwe unyaka nonyaka, ngoba imali yokuqala ishintsha njalo ngonyaka. Ukuqhubeka nesibonelo ebesikade sisisebenzisa ngaphambili:
Uma unyaka wokuqala sinotshalo-mali lwama-euro angama-100 futhi sikubeka ku-10%, ifomula kungaba:
Imali yokugcina = 100 X (1 + 0,10 / 1) ^ 1 = 110 euro. Yilokho ozokuhola ngonyaka wokuqala.
Manje, ngonyaka wesibili, le nto, ngoba inhlokodolobha yokuqala ayiseyona i-100 euros, kepha i-110.
Imali yokugcina = 110 x (1 + 0,10 / 1) ^ 1 = 121 euros. Usuvele uhola ama-euro ayishumi kusukela ngaphambi kokuhlanganisa ama-euro ayi-10 kusuka ngalowo nyaka wesibili.
Lokhu kungenziwa nge-x time, esungulwa ngenkontileka, futhi ungenza inzuzo enkulu kakhulu kunokuthi usebenzise inzalo elula kuphela. Ngakho-ke, ochwepheshe batusa lesi sibalo sezezimali ngaphambi kwesinye ukwenza inzuzo ethe xaxa, ikakhulukazi uma imali imisiwe futhi kungatholi nzuzo kubo.
Ungatshala kuphi ukuthola le nzalo
Manje, ngemuva kwalokhu okufundile ngenzalo ehlanganisiwe, akungabazeki ukuthi inhle impela. Futhi kungenzeka ukuthi unokonga okuthile ongakudingi futhi kukusize uthole imbuyiselo, ekuhambeni kwesikhathi, engaba yinto ethakazelisa kakhulu, akunjalo? Kepha ungatshala kuphi ukuthola inzalo ehlanganisiwe?
Yebo, okwenziwa kakhulu njalo iya emakethe yamasheya. Kuyo, ungathola okokusebenza kwezezimali okuhlukile, ngokwesibonelo imali engenayo elinganayo namanani. Ngale ndlela, inhloso ukuthi uthole amasheya enkampanini esinikeza imbuyiselo yaminyaka yonke, futhi njengoba uthola leyo "nzuzo", uyisebenzisa kabusha ukuthenga amasheya amaningi nokuthi le mbuyiselo izokulethela inzuzo ethe xaxa.
Futhi ukwenza kanjani lokho? Okuhle kakhulu ukuthi ucela iseluleko ebhange lakho, noma uye nakumthengisi, okuyibo abakhetheke kakhulu kulolu hlobo lotshalo-mali futhi kungcono ukuba nesikhungo esihle sezimali esiqondayo kunokuzama inhlanhla yakho futhi ugcine ulahlekelwe yilokho okongiweyo (Njengoba, njengoba nje unganqoba, futhi ungagcina ulahlekelwe yileyo mali oyitshala).