關(guān)于復(fù)利的概念分析
the great thing about compounding (often referred to as "compound interest") transbureaucracyyour working money right into a state-of-the-art, highly toughincome-generating tool. Compounding is the approach to generating earnings on an asset's reinvested earnings. To work, it requires two things: the re-investment of earnings and time. The more time you return up withr investments, the more you'll be able to accelerate the income potential of your original investment, which takes the clickingure off of you.
偉大的事情復(fù)利（通常被稱(chēng)為“復(fù)利”）它是一個(gè)國(guó)家最先進(jìn)的制度，高度的財(cái)務(wù)生成工具。私了的方法是對(duì)資產(chǎn)的再投資收益產(chǎn)生盈利。它需要兩件事情：再投資的盈利和時(shí)間。你返回的投資更多的時(shí)間越多，你就可以加快您的原始投資，這需要你的潛在收入。
to illustrate, let us take a look at an example:
說(shuō)明這一點(diǎn)，讓我們來(lái)看看一個(gè)例子：
should you invest $10,000 today at 6%, you are going to have $10,600 in 365 days ($10,000 x 1.06). Now shall we say s opposed to withdraw the $600 gained from interest, you stayit within the re for an additional year. should you still earn the similar rate of 6%, your investment will grow to $11,236.00 ($10,600 x 1.06) by the top of the second 365 days.
你應(yīng)該投資$10,000今天在6％，你將有10,600美元365天（$10,000×1.06）。現(xiàn)在，我們應(yīng)如S反對(duì)提取獲得利息600美元，你stayit內(nèi)再額外一年。你仍然賺了類(lèi)似的利率為6％，你的投資將增長(zhǎng)到11,236.00美元（10 600美元×1.06），第二個(gè)365天的頂部。
Because you reinvested that $600, it works together with the original investment, earning you $636, which is $36 more than the previous year. This little bit extra may seem like peanuts now, but let's not forget that you didn't have to lift a finger to earn that $36. More importantly, this $36 also has the capacity to earn interest. After the next year, your investment will be worth $11,910.16 ($11,236 x 1.06). This time you earned $674.16, which is $74.16 more interest than the first year. This increase in the amount made each year is compounding in action: interest earning interest on interest and so on. This will continue as long as you keep reinvesting and earning interest.
Starting Early
Consider two individuals, we'll name them Pam and Sam. Both Pam and Sam are the same age. When Pam was 25 she invested $15,000 at an interest rate of 5.5%. For simplicity, let's assume the interest rate was compounded annually. By the time Pam reaches 50, she will have $57,200.89 ($15,000 x [1.055^25]) in her bank account.
Pam's friend, Sam, did not start investing until he reached age 35. At that time, he invested $15,000 at the same interest rate of 5.5% compounded annually. By the time Sam reaches age 50, he will have $33,487.15 ($15,000 x [1.055^15]) in his bank account.
What happened? Both Pam and Sam are 50 years old, but Pam has $23,713.74 ($57,200.89 - $33,487.15) more in her savings account than Sam, even though he invested the same amount of money! By giving her investment more time to grow, Pam earned a total of $42,200.89 in interest and Sam earned only $18,487.15.
Editor's Note: For now, we will have to ask you to trust that these calculations are correct. In this tutorial we concentrate on the results of compounding rather than the mathematics behind it. (If you'd like to learn more about how the numbers work, see Understanding The Time Value Of Money.)
You can see that both investments start to grow slowly and then accelerate, as reflected in the increase in the curves' steepness. Pam's line becomes steeper as she nears her 50s not simply because she has accumulated more interest, but because this accumulated interest is itself accruing more interest.
Pam's line gets even steeper (her rate of return increases) in another 10 years. At age 60 she would have nearly $100,000 in her bank account, while Sam would only have around $60,000, a $40,000 difference!
When you invest, always keep in mind that compounding amplifies the growth of your working money. Just like investing maximizes your earning potential, compounding maximizes the earning potential of your investments - but remember, because time and reinvesting make compounding work, you must keep your hands off the principal and earned interest.
