Quantos anos leva para dobrar seu dinheiro com juros de 10%?
Como funciona a regra dos 72. Por exemplo, a Regra dos 72 afirma que 1 dólar investido a uma taxa de juros fixa anual de 10% levaria 7,2 anos ((72/10) = 7,2) para crescer para 2 dólares. Na realidade, um investimento de 10% levará7,3 anosdobrar (1,107.3= 2).
∴t=10 anos.
Se você ganhar7%, seu dinheiro dobrará em pouco mais de 10 anos. Você também pode usar a Regra dos 72 para inserir taxas de juros de dívidas de cartão de crédito, empréstimo de carro, hipoteca de casa ou empréstimo estudantil para descobrir quantos anos seu dinheiro levará para dobrar para outra pessoa.
Esta fórmula é útil para estimativas financeiras e para a compreensão da natureza dos juros compostos. Exemplos: Com juros de 6%, seu dinheiro leva 72/6 ou 12 anos para dobrar. Para dobrar seu dinheiro em 10 anos, obtenha uma taxa de juros de 72/10 ou7,2%.
Com um retorno anual estimado de 7%, você dividiria 72 por 7 para ver que seu investimento dobrará a cada 10,29 anos.
Portanto, seria necessário7,10 anospor um valor que dobrará se for investido a uma taxa de juros de 10% composta semestralmente.
Com juros compostos de 10% trimestralmente, o investimento duplica em cerca de7,02 anos. (Arredonde para duas casas decimais conforme necessário.) A 10% compostos continuamente, o investimento dobra em cerca de anos. (Arredonde para duas casas decimais conforme necessário.)
A regra de 69 éuma regra geral para estimar o tempo necessário para que o investimento seja duplicado, mantendo a taxa de juros como uma taxa de juros composta contínua, ou seja, a taxa de juros aumenta a cada momento.
Retorno do investimento | Valor futuro de 10.000 em 20 anos |
---|---|
7% | 38.697 |
7,25% | 40.546 |
7,5% | 42.479 |
7,75% | 44.499 |
A composição diária é próxima o suficiente da composição contínua para a maioria das finalidades, portanto 69,3 ou 70 devem ser usados. O valor 72 também é uma escolha conveniente, poistem tantos divisores pequenos: 2, 3, 4, 6, 8, 9 e 12.
Por quantos anos uma quantia em dinheiro dobrará em 12%?
⇒ T =8 anos 4 meses. Portanto, a resposta correta é 8 anos e 4 meses.
DaíTempo=x×100x×12=8 anos 4 meses.
Então, se a taxa de juros for de 6%, você dividiria 72 por 6 para obter 12. Isso significa que o investimento levará cerca de12 anosduplicar com uma taxa de juro anual fixa de 6%.
Supondo uma taxa de inflação de 4% e uma taxa de retorno conservadora após impostos de 5%, você deve ter como meta uma meta de poupança de US$ 1,3 milhão para financiar uma aposentadoria de 30 anos que começa aos 67 anos. que produz cerca de US$ 50.000 em renda por ano.
O resultado é o número de anos, aproximadamente, que levará para o seu dinheiro dobrar. Por exemplo, se um esquema de investimento promete uma taxa de retorno composta anual de 8%, levará aproximadamentenove anos(72/8 = 9) para dobrar o dinheiro investido.
Aqui está um pequeno segredo:juros compostosé o melhor amigo de um milionário. É realmente dinheiro grátis.
A regra 8-4-3 implica que seu dinheiro deveria dobrar aproximadamente a cada 8 anos se investido com um retorno médio anual de 8%. Ao aplicar esta regra,seu dinheiro dobra a cada 8 anos, quadruplica em 16 anos e se multiplica por 8 em 24 anosdevido à composição.
- Ações.
- Imobiliária.
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- Comprando um negócio.
- Arte de alta qualidade ou outros itens colecionáveis.
Para estimar o número de anos que seriam necessários para duplicar o seu dinheiro a uma taxa de retorno anual de 7%, você pode usar oRegra de 72. Divida 72 pela taxa de retorno anual: 72 ÷ 7 = 10,29. Portanto, a uma taxa de retorno de 7%, seriam necessários aproximadamente 10,29 anos para duplicar o seu dinheiro.
1Com 10%, você poderia dobrar seu investimento inicial a cada sete anos(72 dividido por 10). Num investimento menos arriscado, como as obrigações, que tiveram um retorno médio de cerca de 5% a 6% durante o mesmo período, poderá esperar duplicar o seu dinheiro em cerca de 12 anos (72 dividido por 6).
Qual é a regra de 76?
Uma das primeiras cenas do filme mostra um diálogo entre Owen Wilson e Vince Vaughn falando sobre a Regra nº 76, que é o código para a frase 'Sem desculpas, jogue como um campeão!'Na época, isso era uma grande piada e ainda está em muitos círculos hoje.
Taxas mais baixas ou mais altas fora deste intervalo podem ser melhor previstas usando uma Regra ajustada de 71, 73 ou 74, dependendo de quão abaixo ou acima do intervalo. Geralmente você adiciona um a 72 para cada aumento de três pontos percentuais. Então,uma taxa de retorno de 15%significaria que você usa a Regra de 73.
A regra dos 70 éusado para determinar o número de anos que uma variável leva para dobrar, dividindo o número 70 pela taxa de crescimento da variável. A regra dos 70 é geralmente usada para determinar quanto tempo levaria para um investimento dobrar, dada a taxa de retorno anual.
Lembre-se de que os rendimentos variam de acordo com o investimento. Calcule o investimento necessário: para ganhar US$ 1.000 por mês, ou US$ 12.000 por ano, com um rendimento de 3%, você precisaria investir um total decerca de US$ 400.000.
Um investimento de $ 1.000 feito em novembro de 2013 valeria $ 5.574,88, ou um ganho de 457,49%, em 16 de novembro de 2023, de acordo com nossos cálculos. Este retorno exclui dividendos, mas inclui valorização de preços. Compare isto com a recuperação de 150,41% do S&P 500 e o retorno do ouro de 46,17% no mesmo período.
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