今日はお金を増やす上でとても大切な複利について書いていきたいと思います。

複利とは、元金に付いた利子を次期の元金に組み入れる事で、逆に単利は利子を元金に組み入れず、前期の元金のまま運用する事です。

複利と単利でどのくらいの差が出るのかを比べる際に使われるのが、72の法則です。

72の法則とは、お金が2倍になる期間をかんたんに求られる便利な算式で
72÷利回り = お金が2倍になる期間 となります。

複利と単利で比べてみましょう

5%で運用した場合、単利と比べ6年も差が出る事がわかります。1%の利回りで運用する場合はなんと28年の際になります。

複利の力がどのくらいすごい事なのかわかっていただけたかと思います。

この式が使えるようになると、

今の利回りで資産を倍にするにはあと何年必要なのか?

また、この式を応用すれば、10年後に資産を倍にするには何%の利回りで運用しないといけないのか?を導き出す事ができます。

72÷お金が2倍にしたい期間 = 必要な利回り

いつかお金持ちになりたいなー、、ではなく実際に必要な期間や利回りを知ることはとても大事なことだと思います。

macc

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