论文部分内容阅读
复利 金钱核爆的威力 爱因斯坦在被人问及何为世界上最强大的力量时,他的回答不是星球撞击或核爆炸,而是“复利”。有两个极端的例子可以说明复利的威力。 第一个例子:如果有一份工作让你做,其报酬有两种形式让你选择。第一种是每月1万元;第二种是第一个月薪资为1千元,但以后每个月的薪资是上个月的两倍,假设工作时间为两年,试问你选择哪种报酬方式? 乍看之下似乎第一种方式较佳,24个月后总收入24万元,一目了然:但若是了解“复利”作用的人,定会选择第二种报酬的方式,因为这种计酬方式在24个月后的总收入为167亿余元。
When Einstein was asked what it was to be the most powerful force in the world, his answer was not a planetary or nuclear explosion, but “compound interest.” There are two extreme examples that illustrate the power of compound interest. The first example: If there is a job for you to do, there are two forms of compensation for you to choose from. The first one is 10,000 yuan per month; the second one is the first month’s salary of 1,000 yuan, but the monthly salary is twice that of the previous month. Assuming that the working hours are two years, how can you choose At first glance, it seems that the first method is better. After 24 months, the total income is 240,000 yuan, which is clear at a glance. But if one understands the role of “compound interest,” the second method of reward will be chosen because Total remuneration for 24 months after the payment was 16.7 billion yuan.