Mihaute’ Hauh dan thusim (2) ~ Mungpi Khupson

A lamdang Compound Interest
“Compound interest is the eighth wonder of the world.”
– Albert Einstein

Compound Interest bang hiam?
A tomin gen leng: Sum koih khat peuhpeuh pana apung(interest), api(capital) tawh kigawm kikkika apung khawm toto cihna hi.

Gentehna I: Kum 5 sunga lohkik dingin mikhat sum leitawi $10,000 na pia a, kumsim api pan 10% pung dingin na kiciam uh hi. Kumsimin $1,000 pung cihna hi a, kum 5 khitteh ong lohkik ding zah pen a pung $5,000 leh api $10,000 = $15,000 cihna hi. Hih pen Simple Interest kici a, apung(interest) pen a tuunga na koihzah $10,000 pan kituat toto hi. Compound Interest ciang ahih leh kumsima a pungzah pen api tawh gawmkhawm kik zelin tuapan a pung kituat toto hi.

Hih a tunga zah mah pen compound interest tawh tuat leng kum 5 khit ciang na ngahkik ding pen $16,105.10 hong pha ding cihna hi:

• Etsinna:
• Present Value = $10,000
• After 1yr = $11,000 (10000+0.10×10000)
• After 2yrs = $12,100 (11000+0.10×11000)
• After 3yrs = $13,310 (12100+0.10×12100)
• After 4yrs = $14,641 (13310+0.10×13310)
• After 5yrs = $16,105.10 (14641+0.10×14641)

Sumbawl na siam keia, na khasum atam kei zongin, na cihtak zawh peuh leh hih Compound Interest zangin millionaire suak thei veve hi teh.

Gentehna II: Kum khat na sum thalawh $25,000 bang hi leh kum 21 na phaka kipan kum sim seh sawm suah seh khat ahi $2500, 10% interest tawh bank muanhuai khatah na koih zawh tangtang leh kum 60 (kum39 sung cihna) na phak teh sumtang $1,106,481.39 tawh pension la thei ding hi teh! Tua pen hi mikangten, “the miracle of compound interest” a cihcih uh.

Bank ah khol loin na singkuangah koihcip hi lecin tua kum 39 sung mahin $97,500.00 bek na ngahzo ding hi. Ngaihsun mah dih, atuunga na koih api leh kumsima na koih ong kibehlap dinga, tuapana apung tawh kigawm khawm toto, pungkhawm toto lai ding hiven!! Tam koih ding phamawh masa lo a, pat baih ding leh a maanmaana koih zawh ding thupi hi.

Mungpi Khupson