Na'urar lissafin CD (ajiyar ƙayyadadden lokaci)
Kuɗin ruwa da darajar ƙarshe ta certificate of deposit ko bond na ajiyar ƙayyadadden lokaci.
Game da Na'urar lissafin CD (ajiyar ƙayyadadden lokaci)
Kuɗin ruwa da darajar ƙarshe ta certificate of deposit ko bond na ajiyar ƙayyadadden lokaci.
Ɓangare ne na sashen “Zuba jari & ajiya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin CD (ajiyar ƙayyadadden lokaci)
Abin da yake lissafawa da lokacin amfani da shi
Yana lissafa kuɗin ruwa da ƙimar ƙarshen wa'adi na takardar ajiya (certificate of deposit) ko bond na ajiya mai tsayayyen wa'adi.
Yadda ake amfani da shi, mataki-mataki
- Shigar da ajiya, kashin kuɗin ruwa da wa'adi a watanni.
- Zaɓi sau nawa kuɗin ruwa ke tarawa.
- Ƙara kashin haraji idan ana biyan haraji a kan kuɗin ruwa.
Ma'anar kowace shigarwa
- Compounding – How often Kuɗin ruwa shi ne added zuwa the balance.
- Wa'adi – The watanni you agree zuwa leave the money in.
Yadda ake karanta sakamako
- Ƙima at maturity – Kuɗin farko plus Kuɗin ruwa Bayan haraji.
- APY – The yield over a full year, including compounding.
Dabarar lissafi
Maturity = deposit × (1 + rate ÷ m)^(m × years). APY = (1 + rate ÷ m)^m − 1. m is the compounding periods per year.
Misali da aka warware
10,000 at 4.5% compounded daily for 12 months matures at 10,460.25, earning 460.25. The APY is 4.602%.
Zato da iyakoki
- The rate shi ne fixed akan the Wa'adi.
- Early withdrawal penalties are not modelled.
Kurakuran da aka saba yi
- Comparing nominal rates with different compounding. Compare APY.
Tambayoyin da ake yawan yi
Shin CD suna da aminci?
Ana kare ajiya har zuwa iyakokin ƙasa kamar FDIC a Amurka da FSCS a Birtaniya, bisa wasu sharuɗɗa.
Kayan aiki masu alaƙa
Cikakkun bayanai
- APY
- 4.602%what the rate yields over a full year
- Kuɗin ruwa Kafin haraji
- £460.25
- Kuɗin ruwa kowace Wata, on Matsakaici
- £38.35