{"id":106561,"date":"2024-12-11T10:53:03","date_gmt":"2024-12-11T10:53:03","guid":{"rendered":"https:\/\/gfssite.local\/%e5%a6%82%e4%bd%95%e8%ae%a1%e7%ae%97%e5%a4%8d%e5%88%a9\/"},"modified":"2024-12-11T10:53:03","modified_gmt":"2024-12-11T10:53:03","slug":"%e5%a6%82%e4%bd%95%e8%ae%a1%e7%ae%97%e5%a4%8d%e5%88%a9","status":"publish","type":"post","link":"https:\/\/globalfinanceschool.com\/zh-hans\/%e5%a6%82%e4%bd%95%e8%ae%a1%e7%ae%97%e5%a4%8d%e5%88%a9\/","title":{"rendered":"\u5982\u4f55\u8ba1\u7b97\u590d\u5229"},"content":{"rendered":"<h2><span style=\"letter-spacing: 0.0px;\">\u8ba1\u7b97\u590d\u5229<\/span><\/h2>\n<p><span style=\"letter-spacing: 0.0px;\">\u201c\u590d\u5229\u201d\u4e00\u8bcd\u8868\u793a\u6211\u4eec\u5728\u5e74\u5e95\uff08\u6216\u5728\u4e0d\u540c\u7684\u56fa\u5b9a\u65f6\u95f4\u652f\u4ed8\u5229\u606f\uff09\u5b9e\u9645\u4e0a\u5e76\u4e0d\u652f\u4ed8\u5229\u606f\u3002\u5229\u606f\u88ab\u6dfb\u52a0\u5230\u672c\u91d1\u4e2d\uff0c\u4ece\u90a3\u65f6\u8d77\uff0c\u5229\u606f\u662f\u6839\u636e\u66f4\u65b0\u7684\u672c\u91d1\u8ba1\u7b97\u7684\u3002 <\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u8fd9\u4e5f\u53ef\u4ee5\u63cf\u8ff0\u5982\u4e0b\uff1a\u5728\u5e74\u5e95\uff0c\u6211\u4eec\u9000\u8fd8\u672c\u91d1\u548c\u5229\u606f\uff0c\u5e76\u7acb\u5373\u6536\u5230\u53e6\u4e00\u7b14\u8d37\u6b3e\uff0c\u91d1\u989d\u7b49\u4e8e\u6211\u4eec\u5df2\u507f\u8fd8\u7684\u91d1\u989d\uff08\u5305\u62ec\u672c\u91d1 + \u5229\u606f\uff09\u3002<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u6bcf\u5f53\u6d89\u53ca\u590d\u5229\u65f6\uff0c\u6211\u4eec\u603b\u662f\u6307\u5b9a\u4e00\u4e2a\u7279\u5b9a\u7684\u540d\u4e49\u5229\u7387\uff0c\u8fd9\u4e9b\u5171\u540c\u7528\u4f5c\u8ba1\u7b97\u590d\u5229\u7684\u57fa\u7840\u3002<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\"><b>\u4f8b\uff1a<\/b><\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">Bill \u83b7\u5f97\u4e86 10,000 \u7f8e\u5143\u7684\u4e09\u5e74\u671f\u8d37\u6b3e\uff0c\u540d\u4e49\u5229\u606f\u4e3a 8%\u3002\u672c\u91d1\u548c\u5229\u606f\u90fd\u5c06\u5728\u671f\u672b\u652f\u4ed8\u3002\u4e09\u5e74\u7ed3\u675f\u65f6\uff0cBill \u5c06\u507f\u8fd8\u591a\u5c11\u94b1\uff1f  <\/span><\/p>\n<\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u89e3\u51b3\u65b9\u6848\u662f 12,597 USD\u3002\u8ba1\u7b97\u7684\u5404\u4e2a\u9636\u6bb5\u5982\u4e0b\u8868\u6240\u793a\uff1a <\/span><span style=\"letter-spacing: 0px; line-height: 1.538em;\">&nbsp;<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\"><b>\u5e74\u521d\u66f4\u65b0\u7684\u672c\u91d1\u91d1\u989d<\/b><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\"><b>\u5f53\u5e74\u7684\u5229\u606f\u91d1\u989d<\/b><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\"><b>\u5e74\u5e95\u66f4\u65b0\u7684\u672c\u91d1\u91d1\u989d<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\"><b>\u7b2c 1 \u5e74<\/b><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$10,000<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$10,000 * 8% = $800<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$800 + $10,000 = $10,800<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\"><b>\u7b2c 2 \u5e74<\/b><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$10,800<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$10,800 * 8% = $864<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$864 + $10800 = $11,664<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\"><b>\u7b2c 3 \u5e74<\/b><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$11,664<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$11,664 * 8% = $933<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">$933 + $11,664 = $12,597<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b style=\"letter-spacing: 0px; line-height: 1.538em;\">\u8c03\u6574\u540e\u5229\u606f<\/b><\/h2>\n<p><span style=\"letter-spacing: 0.0px;\"><b>\u8c03\u6574\u540e\u7684\u5229\u606f<\/b> \u662f\u8d37\u65b9\u5f00\u53d1\u7684\u201c\u68d8\u624b\u201d\u8ba1\u7b97\u65b9\u6cd5\u4e4b\u4e00\u3002<br \/><b>\u8c03\u6574\u540e\u7684\u5229\u606f<\/b>\u57fa\u4e8e\u7279\u5b9a\u7684\u540d\u4e49\u5229\u7387\u3002\u4f8b\u5982\uff0c\u6211\u4eec\u53ef\u4ee5\u4f7f\u7528\u5176\u4e2d\u4e00\u4e2a \u201c\u6280\u5de7\u201d \u6765\u8ba1\u7b97 12% \u7684\u540d\u4e49\u5229\u7387\uff0c\u6211\u4eec\u5c06\u901a\u8fc7\u4e3e\u4e2a\u4f8b\u5b50\u6765\u89e3\u91ca\u3002 <\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">John \u6536\u5230\u4e86\u4e00\u7b14 10,000 \u7f8e\u5143\u7684\u8d37\u6b3e\uff0c\u540d\u4e49\u5229\u606f\u4e3a 12%\uff0c\u5e76\u9644\u6709\u4ee5\u4e0b\u6761\u4ef6\uff1a<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u5728\u6bcf\u4e09\u4e2a\u6708\uff08\u4f1a\u8ba1\u5b63\u5ea6\uff09\u7ed3\u675f\u65f6\uff0c\u5c06\u8ba1\u7b97\u8be5\u671f\u95f4\u7684\u5229\u606f\u91d1\u989d\u3002<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u4e00\u4e2a\u5b63\u5ea6\u7684\u5229\u606f\u4e3a 3% \uff0812% x <\/span><span style=\"font-size: 8px; letter-spacing: 0px;\"><sup>1<\/sup><\/span><span style=\"letter-spacing: 0.0px;\">\/<\/span><span style=\"font-size: 8px; letter-spacing: 0px;\"><sub>4<\/sub><\/span><span style=\"letter-spacing: 0.0px;\">\uff09\u3002<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u7b2c\u4e00\u5b63\u5ea6\u540e\u7684\u5229\u606f\u91d1\u989d\u4e3a 300 \u7f8e\u5143\uff0810,000 \u7f8e\u5143\u7684 3%\uff09\u3002<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u6bcf\u4e2a\u5b63\u5ea6\u7684\u5229\u606f\u91d1\u989d\u5b9e\u9645\u4e0a\u5e76\u672a\u652f\u4ed8\u3002\u5b83\u5c06\u5728\u6b64\u65f6\u6dfb\u52a0\u5230 principal\u3002\u672c\u91d1\u73b0\u5728\u66f4\u65b0\u4e3a 10300 USD\u3002  <\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u5728\u7b2c\u4e8c\u5b63\u5ea6\uff0c\u518d\u6b21\u8ba1\u7b97\u8be5\u5b63\u5ea6\u7684\u5229\u606f\u91d1\u989d\uff0c\u73b0\u5728\u4e3a 309 USD\uff0810,300 \u7684 3%\uff09\u3002\u5728\u7b2c\u4e8c\u5b63\u5ea6\u672b\uff0c\u672c\u91d1\u603b\u989d\u589e\u52a0\u4e86 309 \u7f8e\u5143\uff0c\u66f4\u65b0\u540e\u7684\u672c\u91d1\u73b0\u5728\u4e3a 10,609 \u7f8e\u5143\u3002\u5728\u6bcf\u4e2a\u5b63\u5ea6\u672b\uff0c\u8be5\u5b63\u5ea6\u7d2f\u79ef\u7684\u5229\u606f\u91d1\u989d\u5c06\u6dfb\u52a0\u5230\u672c\u91d1\u603b\u548c\u4e2d\u3002  <\/span><\/p>\n<\/p>\n<p><span style=\"letter-spacing: 0.0px;\">principal \u7684\u503c\u8ba1\u7b97\u5982\u4e0b\uff1a<\/span><span style=\"letter-spacing: 0px; line-height: 1.538em;\">&nbsp;<\/span><\/p>\n<table border=\"1\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">Q1 \u4e4b\u524d<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">\u7b2c 1 \u5b63\u5ea6<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">Q1 \u4e4b\u540e<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">\u7b2c 2 \u5b63\u5ea6<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">Q2 \u4e4b\u540e<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">\u7b2c 3 \u5b63\u5ea6<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">Q3 \u4e4b\u540e<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">\u7b2c 4 \u5b63\u5ea6<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">Q4 \u4e4b\u540e<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">10,000 \u7f8e\u5143<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">300 \u7f8e\u5143\u5229\u606f<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">10,300 \u7f8e\u5143<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">309 \u7f8e\u5143\u5229\u606f<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">10,609 \u7f8e\u5143<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">318 \u7f8e\u5143\u5229\u606f<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">10,927 \u7f8e\u5143<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">328 \u7f8e\u5143\u5229\u606f<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-size: x-small;\">11,255 \u7f8e\u5143<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"letter-spacing: 0.0px;\">&nbsp;<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u5f88\u660e\u663e\uff0c <b>\u8c03\u6574\u540e\u5229\u606f<\/b> \u662f\u6839\u636e\u4e0e\u590d\u5229\u76f8\u540c\u7684\u683c\u5f0f\u8ba1\u7b97\u7684\u3002\u4f46\u662f\uff0c\u5b83\u4e0d\u662f\u6bcf\u5e74\u4e00\u6b21\uff0c\u800c\u662f\u9488\u5bf9\u8f83\u77ed\u7684\u65f6\u95f4\u6bb5\u8ba1\u7b97\u3002\u5728\u6211\u4eec\u7684\u793a\u4f8b\u4e2d\uff0c\u8c03\u6574\u540e\u7684\u5229\u606f\u6309\u5b63\u5ea6\u8ba1\u7b97\u4e3a\u590d\u5229\u3002\u5982\u679c\u6211\u4eec\u6bcf\u4e2a\u6708\u90fd\u8ba1\u7b97\u5229\u606f\u91d1\u989d\uff0c\u6211\u4eec\u4f1a\u58f0\u660e <b>\u8c03\u6574\u540e\u7684\u5229\u606f<\/b> \u662f\u6309\u6708\u8ba1\u7b97\u7684\u3002   <\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u5728\u6211\u4eec\u7684\u793a\u4f8b\u4e2d\uff0c\u5229\u606f\u91d1\u989d\u4e3a 1,255 USD\uff0c\u8c03\u6574\u540e\u5229\u606f\u7684\u767e\u5206\u6bd4\u4e3a 12.55% \uff08=<\/span><span style=\"font-size: 8px; letter-spacing: 0px;\"><sup>1,255<\/sup><\/span><span style=\"letter-spacing: 0.0px;\">\/<\/span><span style=\"font-size: 8px; letter-spacing: 0px;\"><sub>10,000<\/sub><\/span><span style=\"letter-spacing: 0.0px;\">\uff09\u3002<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u8c03\u6574\u540e\u7684\u5229\u606f\u8868\u793a\u6211\u4eec\u5fc5\u987b\u5b9e\u9645\u652f\u4ed8\u7684\u8d37\u6b3e\u5229\u606f\u3002<\/span><\/p>\n<\/p>\n<p><span style=\"letter-spacing: 0.0px;\">\u4f8b\u5982\uff0c\u5982\u679c\u6211\u4eec\u6536\u5230\u4e86\u4e00\u7b14\u4e00\u5e74\u671f\u8d37\u6b3e\uff0c\u5e76\u4e14\u94f6\u884c\u8868\u793a\u8c03\u6574\u540e\u7684\u8d37\u6b3e\u5229\u606f\uff08\u6309\u5b63\u5ea6\u8ba1\u7b97\uff09\u4e3a 13%\uff0c\u90a3\u4e48\u8fd9\u610f\u5473\u7740\u6211\u4eec\u5fc5\u987b\u507f\u8fd8 11,300 \u7f8e\u5143\uff0810,000 \u7f8e\u5143\u672c\u91d1\u548c 1,300 \u7f8e\u5143\u5229\u606f\uff09\u3002<\/span><span style=\"letter-spacing: 0px; line-height: 1.538em;\">&nbsp;<\/span><\/p>\n<p><span style=\"letter-spacing: 0.0px;\">&nbsp;<\/span><\/p>\n<h3><span style=\"letter-spacing: 0.0px;\">DIY \u7535\u5b50\u8868\u683c<\/span><\/h3>\n<p><span style=\"letter-spacing: 0.0px;\">\u70b9\u51fb\u4e0b\u65b9\u4e0b\u8f7d\u7535\u5b50\u8868\u683c\uff0c\u5e2e\u52a9\u60a8\u81ea\u5df1\u8ba1\u7b97\u5229\u606f\u3002<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"letter-spacing: 0.0px;\">[gfs_button url=&#8221;http:\/\/gfs-upload-media.s3.amazonaws.com\/DIY_Finance\/spreadsheets\/DIY_Compund_Interest.xlsx&#8221; target=&#8221;_self&#8221; existing_buttons=&#8221;gfs-main-download-button&#8221;]\u4e0b\u8f7d\u7535\u5b50\u8868\u683c[\/gfs_button]<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"letter-spacing: 0.0px;\">&nbsp;<\/span><\/p>\n<h3 style=\"text-align: left;\"><span style=\"letter-spacing: 0.0px;\">\u6d4b\u8bd5\u4e00\u4e0b\u81ea\u5df1\uff01<\/span><\/h3>\n<p style=\"text-align: center;\">\n<p><iframe width=\"640\" height=\"260\" src=\"https:\/\/gfs-upload-media.s3.amazonaws.com\/DIY_Finance\/Q_Compound_Interest\/index.html\" seamless=\"\" scrolling=\"no\"><\/iframe><\/p>\n<\/p>\n<p>\u5982\u679c\u60a8\u60f3\u5f00\u59cb\u81ea\u5df1\u6295\u8d44\u5e76\u5f00\u59cb\u6784\u5efa\u81ea\u5df1\u7684\u6295\u8d44\u7ec4\u5408\uff0c\u60a8\u9700\u8981\u5b66\u4e60\u57fa\u7840\u77e5\u8bc6\u6216\u81f3\u5c11\u4e86\u89e3\u60a8\u53ef\u4ee5\u4f7f\u7528\u7684\u9009\u9879\u3002\u60a8\u53ef\u4ee5\u901a\u8fc7\u9605\u8bfb <a href=\"https:\/\/verdant-pillar.flywheelsites.com\/blog-post\/introduction-investing\" title=\"\u6295\u8d44\u7b80\u4ecb\" target=\"_blank\" rel=\"noopener\">\u6295\u8d44\u7b80\u4ecb<\/a> \u6765\u505a\u5230\u8fd9\u4e00\u70b9\uff0c\u8fd9\u5c06\u4f7f\u60a8\u6df1\u5165\u4e86\u89e3\u6295\u8d44\u7684\u4e0d\u540c\u65b9\u5f0f\u3002 <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u8ba1\u7b97\u590d\u5229 \u201c\u590d\u5229\u201d\u4e00\u8bcd\u8868\u793a\u6211\u4eec\u5728\u5e74\u5e95\uff08\u6216\u5728\u4e0d\u540c\u7684\u56fa\u5b9a\u65f6\u95f4\u652f\u4ed8\u5229\u606f\uff09\u5b9e\u9645\u4e0a\u5e76\u4e0d\u652f\u4ed8\u5229\u606f\u3002\u5229\u606f\u88ab\u6dfb\u52a0\u5230\u672c\u91d1\u4e2d\uff0c\u4ece\u90a3 [&hellip;]<\/p>\n","protected":false},"author":9274,"featured_media":106562,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11295],"tags":[12134,12135],"course-author":[],"course-level":[],"course-type":[],"class_list":["post-106561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diy-","tag-12134","tag-12135"],"acf":[],"_links":{"self":[{"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/posts\/106561","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/users\/9274"}],"replies":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=106561"}],"version-history":[{"count":0,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/posts\/106561\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/media\/106562"}],"wp:attachment":[{"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=106561"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=106561"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=106561"},{"taxonomy":"course-author","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/course-author?post=106561"},{"taxonomy":"course-level","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/course-level?post=106561"},{"taxonomy":"course-type","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/zh-hans\/wp-json\/wp\/v2\/course-type?post=106561"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}