Compound interest investment-magical compound interest power
1, Yale University, USA,100100000 donation.
Yale University, USA, 1979 There is a group of students at a class reunion. They have graduated for 25 years. This group of students said that the school takes care of us, so it is better to donate some money to the school. The idea was supported as soon as it was said, so dozens of seniors also donated money. Students in our class donated 75,000 US dollars, and those who were one year older than them donated 300,000 US dollars, totaling 375,000 US dollars. Originally, they wanted to donate money directly to the school. Later, some people said that the school could not manage the money, so let us help the school manage it. So they used the money to subsidize the school, and it took 25 years to see how much money the money would become. Results Twenty-five years later, in 2004, Yale University in the United States received the largest donation in history, with a total amount of * * *1010 million dollars. Why is there this 1 billion 1 billion?
Because the average compound interest of the fund operated by this money is 37%!
2. The story of endless Nobel Prize.
The Nobel Foundation was established in 1896, with a donation of $9.8 million from Nobel. At the beginning of the foundation, it was clearly stipulated in the articles of association that the fund was limited to investment in bank deposits and government bonds and was not allowed to be used for risky investments.
Together with the annual bonus payment and the operating expenses of the foundation, more than 50 years have passed, and nearly two-thirds of the assets of the Nobel Fund have been lost. By 1953, the fund's assets were only over $3 million. And because of inflation, $3 million is only equivalent to $300,000 in 65,438+0,896. The original prize money is getting less and less, and the Nobel Fund is going bankrupt.
The directors of the Nobel Foundation asked McKinsey to turn only $3 million in bank deposits into capital and hire professionals to invest in stocks and real estate. The brand-new financial management concept has reversed the fate of the entire Nobel Fund in one fell swoop. Not only has the fund not been reduced, but by 2005, the total assets of the fund have also increased to 54 1 billion dollars. From 190 1 to 1 1, the total prize money awarded by the Nobel Prize has already far exceeded Nobel's legacy.
The history of Nobel Foundation's long-term investment and pursuit of compound interest income is accompanied by various natural and man-made disasters and wars. But along the way, there is still considerable compound interest income in the long run.
It is estimated that from 1953 to now, the average annual compound interest rate of Nobel Fund has exceeded 20%.
The value and significance of compound interest investment;
1. Improve the investment structure. Let investment funds combine short-,medium-and long-term investments. Reduce the overall investment risk, and at the same time seek to maximize the investment income, so that the entire family assets will increase steadily.
2. Use small money and spare money to build a family's strategic wealth reserve.
Ask and answer. A
2. 1. Can a single market stably obtain compound interest?
Yes But the risk is great, and the compound interest income is unstable. For example, in Japan, the stock market has been falling for almost 20 years. Take China as an example. In the past decade, the annual compound interest rate of the Shanghai Composite Index was only 3%.
2.2. Can a single investment variety stably obtain compound interest?
Yes But the risk is great. For example, if you only buy a stock or a fund and make long-term investments, most retail investors can only rely on luck for quite some time. Investing in a single variety cannot hedge risks.
2.3, the best way to compound interest investment:
Through the global fund investment platform, global diversified investment and long-term investment are carried out. Past historical data prove that this is the best way to obtain compound interest steadily! The outstanding funds under the top international fund companies are carefully selected by internationally renowned international insurance companies for investors to choose and make different wealth arrangements. Why go to an insurance company to buy a fund? (For details, please consult the wealth hotline: 13684940433 Manager Zhao) What benefits can investors bring from purchasing funds through insurance companies? Please pay attention to the follow-up sharing.
Case analysis of compound interest growth;
Sister Liu: She is 30 years old and her son has just been born for six months. She prepared for a rainy day. She wants to spend 654.38+10,000 yuan every year to make an education reserve for her son, hoping that his son will have enough college expenses around the age of 20. Sister Liu dare not take risks. She just wants to gather sand into a tower, the water flow is smooth, the principal is stable, and the income is stable.
The plan recommended by the financial planner is: save 654.38+10,000 yuan every year for ***5 years, and when the son is 20 years old, he can have more than 3 million yuan in educational reserves. If Liu Jie had good economic conditions at that time and had some money in his account, his income would have been more considerable. ...
Many people think that the premise of fame is a lot of financial support, a huge information network and the ability of people who are several times more than ordinary people, but this is not the case. Even if your starting point is very low, as long as you have a clear life plan and long-term patience, compound interest will lead you to real success.
There is an old story that illustrates the power of compound interest effect. Legend has it that Siddhartha invented chess, which made the king very happy. He decided to reward Sito. Sita said, "Your Majesty, I don't want your reward, just give me some wheat on the chessboard." Put 1 in the 1 grid of the chessboard, 2 in the second grid, 4 in the third grid, 8 in the fourth grid, and so on. From now on, the number of grains in each cell is twice that in the previous cell until the 64th cell is full. "The king thought it was easy to meet his requirements and agreed. But soon the king found that it was not enough to give him all the food in the treasury. Because even if a grain of wheat weighs only one gram, it needs hundreds of trillion tons of wheat. Although on the surface, his starting point is very low, starting from a grain of wheat, but after many multiplication operations, it has formed a huge number.