Simple vs Compound Interest 單利vs複利

Do you know how the interest on your investment calculated ? While the two different basic types of interests, simple and compound, make your money big difference over a long period of time, all investors should be aware of them.  Simple interest is calculated only on your principal. Compound interest is calculated on the the sum of your principal amount plus the accumulated interest of previous periods. A famous quote by Einstein “The most powerful force in the universe is compound interest”  tells us the power of the compound interest in your investment. Try it yourself using the calculator link below provided from bankrate.com.

你知道你儲蓄所賺的利息是如何計算的?利息一般有兩種基本計算方法,單利和複利,長時間下來他們會有很大的不同,所以投資人不可不知。簡單來說,單利一直保持只就原始本金計算而複利則就本金加上(已產生的)利息的總數來計算,時間愈長,差異愈大,就如同愛因斯坦的名句:宇宙間最有力的就是複利。你可用下列連結試試:
http://www.bankrate.com/calculators/savings/compound-savings-calculator-tool.aspx

simplevscompound

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Posted on November 1, 2016, in Chinese posts, English posts, Personal Finance, useful links. Bookmark the permalink. Comments Off on Simple vs Compound Interest 單利vs複利.

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