I-Compound Interest Professional iyithuluzi elinamandla nelinembile lokubala
ukukhula okuhlanganisiwe, izinzuzo zokutshala izimali, imigomo yokonga, ukuhlela umhlalaphansi,
namasu okuhoxa.
Linganisela inani lesikhathi esizayo, iminikelo yanyanga zonke, imbuyiselo edingekayo, isikhathi somgomo,
kanye nokuhoxiswa kwemali okuphephile - konke kuboniswe ngamashadi acacile namathebula anemininingwane.
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◆ Izici Eziyinhloko
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● Inani Lekusasa Nokukhula Okuhlanganisiwe
Faka inani lakho lokuqala, iminikelo yanyanga zonke, imbuyiselo yonyaka okulindelekile, nesikhathi sokutshala.
Bala ngokushesha inani lekusasa lezitoko, ama-ETF, izimali zenkomba, ukonga okunesivuno esikhulu,
noma ama-akhawunti omhlalaphansi wesikhathi eside (IRA / Roth IRA / 401(k)).
● Isibali Somnikelo Wanyanga Zonke
Zibekele inani eliqondiwe futhi uthole ukuthi yimalini oyidingayo ukutshala inyanga ngayinye.
Iphelele ekutshalweni kwezimali kwesikhathi eside, isilinganiso sezindleko zamadola, kanye nokuhlela umgomo wezezimali.
● Ukulingisa Ukuhoxiswa Nokuthatha Umhlalaphansi
Hlela FIRE noma ukuhoxiswa komhlalaphansi:
Linganisela ukuthi iphothifoliyo yakho izohlala isikhathi esingakanani, noma ubale inani eliphephile lokuhoxiswa kwanyanga zonke.
Iwusizo ekuhleleni imithetho engu-4%, isabelomali sokuthatha umhlalaphansi, namasu okukhipha imali.
● Isikhathi Esidingekayo Ukuze Ufinyelele Umgomo Wakho
Ngokusekelwe kuzimbuyiselo zakho neminikelo yakho, nquma ukuthi kuthatha iminyaka emingaki ukufinyelela umgomo wokulondoloza noma wokutshala imali.
● Ukubuyisela Okudingekayo (CAGR)
Faka umgomo wakho, umkhathizwe, kanye neminikelo yanyanga zonke ukuze ubale i-CAGR edingekayo ukuze ufinyelele inombolo yakho.
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◆ Amashadi Abonakalayo Nokumodela Okunembe Kakhulu
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● Landela uthishanhloko, inzalo, kanye nebhalansi ephelele ngokuhamba kwesikhathi
● Izinketho zenyanga / zonyaka zokuhlanganisa
● Ukubalwa kwedesimali eqinile enembayo ephezulu
● Isebenzela ama-ETF, izimali zenkomba, amabhondi, ukonga okunesivuno esikhulu, ukonga wasekolishi, nezinhlelo zokuthatha umhlalaphansi
● Amathebula anemininingwane yazo zonke izikhathi
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◆ Lokhu Kwenzelwe Ubani?
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● Abatshalizimali besikhathi eside be-ETF & index fund
● Noma ubani ohlela umhlalaphansi (401(k), IRA, Roth IRA)
● Abalandeli be-FIRE nabahleli bokuthatha umhlalaphansi ngaphambi kwesikhathi
● Abafundi nezingcweti bafunda ukuhlanganisa, i-APY, i-CAGR, nemiqondo yenani lesikhathi
● Izilondolozi zihlela izimali eziphuthumayo, ukonga wasekolishi (529), noma ukuthenga okukhulu
● Noma ubani ofuna isibali esihlanzekile, esinembile senzuzo ehlanganisiwe
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◆ Isibonelo Sezimo
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"Uma ngitshala u-$500 ngenyanga iminyaka engu-25 ngembuyiselo yonyaka engu-7%, izokhula malini?"
"U-$300,000 uzohlala isikhathi esingakanani uma ngikhipha u-$1,500 ngenyanga uma ngithatha umhlalaphansi?"
“Iyiphi imbuyiselo engiyidingayo ukuze ngifinyelele ku-$1,000,000 lapho ngineminyaka engu-50 ubudala?”
"Imalini okufanele ngiyibeke nyanga zonke ukuze ngishaye inombolo yami ye-FIRE?"
"Iyini inani lekusasa lesamba esingu-$20,000 esitshalwe ku-8%?"
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◆ Amanothi
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Lolu hlelo lokusebenza luhlinzeka ngezibalo zezimali kuphela. Ayinikezi iseluleko sokutshala izimali noma incoma noma yimiphi imikhiqizo yezezimali.
Imigomo Yokusebenzisa:
https://cicalc-74e14.web.app/en/info#terms
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◆ Amagama angukhiye (uhlu oluphephile, olungokwemvelo)
i-compound interest calculator, i-investment calculator, i-ETF calculator,
ukukhula kwesikhwama senkomba, umshini wokubala we-IRA, ukuhlela umhlalaphansi, umshini wokubala we-FIRE,
Isibali se-CAGR, umhleli wokonga, isifanisi sokuhoxa
Kubuyekezwe ngo-
Dis 2, 2025