复利入门：你的存款如何悄悄翻倍
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | Today we're going to talk about compound interest and I'm going to explain compound interest in an easy and visual way for beginners and by | 今天我们来谈谈复合兴趣 我会用一种 简单和视觉的方式解释复合兴趣 |
| 0:06 | The end of this video you should have an idea about how compound interest works and applies to your investment as well as how it's | 这段视频的结尾,你应该有一个想法 关于复合利息如何工作 并适用于你的投资 |
| 0:12 | Indirectly affects your wealth to fund management fees. | 间接影响您的财富来资助管理费. |
| 0:15 | This is something you should absolutely be aware of | 这是你绝对应该知道的 |
| 0:18 | I will also share an easy rule of thumb on how to calculate the doubling time of an investment at a specific interest rate | 我将分享一个简单的大拇指规则 如何计算投资的加倍时间 以特定利率 |
| 0:24 | Also, make sure to stay tuned if you want to know how many days it takes to reach 1 million dollars if you start out with | 还有,如果你想知道要花多少天才能赚到100万美元的话 一定要听好 |
| 0:30 | $1 and W money each day | 每天一块钱和一块钱 |
| 0:32 | Let's begin | 开始吧 |
| 0:34 | Compound interest or interest on interest is this almost magical thing that you need to use to get your investments to grow | 利息或利息的复利 是几乎神奇的东西,你需要使用 得到你的投资增长 |
| 0:40 | Whether you keep your money in a savings account invest in stocks or in any other way | 你把钱存进储蓄账户 投资股票还是其他方式 |
展开字幕全文（146 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | Today we're going to talk about compound interest and I'm going to explain compound interest in an easy and visual way for beginners and by | 今天我们来谈谈复合兴趣 我会用一种 简单和视觉的方式解释复合兴趣 |
| 2 | The end of this video you should have an idea about how compound interest works and applies to your investment as well as how it's | 这段视频的结尾,你应该有一个想法 关于复合利息如何工作 并适用于你的投资 |
| 3 | Indirectly affects your wealth to fund management fees. | 间接影响您的财富来资助管理费. |
| 4 | This is something you should absolutely be aware of | 这是你绝对应该知道的 |
| 5 | I will also share an easy rule of thumb on how to calculate the doubling time of an investment at a specific interest rate | 我将分享一个简单的大拇指规则 如何计算投资的加倍时间 以特定利率 |
| 6 | Also, make sure to stay tuned if you want to know how many days it takes to reach 1 million dollars if you start out with | 还有,如果你想知道要花多少天才能赚到100万美元的话 一定要听好 |
| 7 | $1 and W money each day | 每天一块钱和一块钱 |
| 8 | Let's begin | 开始吧 |
| 9 | Compound interest or interest on interest is this almost magical thing that you need to use to get your investments to grow | 利息或利息的复利 是几乎神奇的东西,你需要使用 得到你的投资增长 |
| 10 | Whether you keep your money in a savings account invest in stocks or in any other way | 你把钱存进储蓄账户 投资股票还是其他方式 |
| 11 | Where you get interest returns on your investment | 投资的利息回报 |
| 12 | This is one of the most basic | 这是最基本的 |
| 13 | concept that you need to understand when you invest to be able to make smart decisions for your personal finances and take control over your | 在投资时需要理解的概念,以便能够为个人财务作出明智的决定,并控制你的 |
| 14 | And that I wish that I would have learned earlier as the time invested is the most important factor for the end result | 我希望我早点知道 投入的时间是最终结果的最重要因素 |
| 15 | there's a good reason why Einstein himself would have called compound interest the eighth wonder of the world and one of the most powerful forces in | 爱因斯坦自己为什么会 将复合兴趣称为世界第八大奇迹 和最强大的力量之一 |
| 16 | The universe and who am I to go against one of the world's most intelligent persons? | 宇宙与我是谁 对抗世界上最聪明的人之一? |
| 17 | Compound interest lets your investments and savings grow by themselves while you sleep or eat or watch YouTube videos | 连带利息让你的投资和储蓄在睡觉或吃饭或看YouTube视频时自己增长 |
| 18 | Yep, I know what you're doing | 对,我知道你在做什么 |
| 19 | With compound interest your money will work for you and grow exponentially like the snowball effect | 加上利息,你的钱会为你效劳 像雪球效应一样成倍增长 |
| 20 | To understand compound interest first you have to understand simple interest | 要先了解复合利息,就必须了解简单的利息 |
| 21 | Meet Kevin and Cindy who are both 30 years old and want to invest during 30 years for their pensions | 认识Kevin和Cindy 他们都30岁 想在30年内投资养老金 |
| 22 | Kevin has got $1,000 to invest and on this money. | Kevin有1000美元的投资 还有这笔钱 |
| 23 | He will get 10% interest rate equivalent to $100 | 他会得到10%的利率 相当于100美元 |
| 24 | Every year Kevin withdraws the interest from the account but leaves the initial investment the principle of $1,000 | 每年Kevin从账户中提取利息,但将1 000美元的原则留给初始投资。 |
| 25 | After one year Kevin gets $100 of interest and has now got | 一年之后,凯文得到100美元利息 现在得到了 |
| 26 | $1,100 in total after the second year he gets $100 of interest again and has now got | 第二年之后总共1100美元 他又得到100美元利息 现在有了 |
| 27 | $1,200 in total and you guessed it after three years the same thing happens again | 总共1200美元,你猜三年后, 同样的事情又发生了 |
| 28 | He gets $100 of interest and he has now got | 他得到100美元利息 现在他得到了 |
| 29 | $1,300 yeah, I think you got it after 30 years Kevin has got $3,000 of interest | 1300美元,我想你30年后就拿到它了 凯文有3000美元的兴趣 |
| 30 | $100 each year during 30 years and as he withdraws the interest every year | 30年里每年100美元,当他每年收回利息时 |
| 31 | He doesn't get any interest on interest or compound interest. | 他没有得到任何利息 或复合利息。 |
| 32 | So in total he has got $4,000 after 30 years | 30年后他总共得到了4000美元 |
| 33 | Now, let's see what happens to Cindy. | 看看辛迪会怎样 |
| 34 | She also invests $1,000 just as Kevin did and just as he did | 她也投资1000美元 就像凯文一样,就像他一样 |
| 35 | She also gets 10% interest rate on her investment each year | 她每年还得到10%的投资利率 |
| 36 | But instead of withdrawing the interest every year like Kevin did she leaves the money invested and gets compound interest | 但是她没有像凯文那样每年提利息,而是把投资的钱留下,得到复利 |
| 37 | After one year she gets $1,000 of interest just like Kevin | 一年之后,她得到1000元的利息 就像凯文一样 |
| 38 | When another year has passed it's time for the money to grow again and here comes the interesting part because after the second year | 再过一年,钱就该再增长了, 有趣的是,因为第二年之后 |
| 39 | She doesn't get $100, but 110. | 她没有100美元,但110美元。 |
| 40 | This is 10% of the money she accumulated after the first year | 这是她第一年后积累的10% |
| 41 | 1,100 those of the two years she now has | 在她现在的两年中,有1 100人 |
| 42 | $1,210 after the third year has passed you get interest again and again this year | 第三年过了1 210美元,你今年又来来来回来来来来来回来来来来来来 |
| 43 | She gets more interest than the last year after the third year. | 她比三年后的最后一年更感兴趣 |
| 44 | She gets 10% of | 她得到的10% |
| 45 | $1,210 which is $121 and now she has got | 1 210美元,是121美元 现在她得到了 |
| 46 | $1,301 in total and so on. | 总计1,301美元等. |
| 47 | As time passes the earned interest increases each year as on the second year Cindy does not only get | 随着时间流逝,收入利息逐年增加,第二年辛迪不仅得到 |
| 48 | interest on her initial investment of $1,000 but also on the interest earned previous years. | 她最初投资的利息为1 000美元,但也为往年赚取的利息。 |
| 49 | The interest is compounding | 利息正在增加 |
| 50 | In this figure I visualized the growth of Kevin and Cindy's investments | 在这个图中,我看到了凯文和辛迪投资的增长 |
| 51 | The red line shows Kevin's growth without compound interest. | 红线显示凯文成长时没有复合兴趣. |
| 52 | With compound interest Cindy's investment grows | 加上辛迪的利息投资增长 |
| 53 | Exponentially as the purple line shows. | 以紫线示证. |
| 54 | The more interest her investment generates the faster it grows and here time is your best friend | 她的投资产生的兴趣越多 越快,这里的时间就是你最好的朋友 |
| 55 | You can see this clearly by looking at how fast $1,000 is earned. | 你可以通过看1000美元挣得多快看清楚。 |
| 56 | After about nine years the first | 过了九年,第一次 |
| 57 | $1,000 has doubled to over $2,000. | 1 000美元翻了一番,超过2 000美元。 |
| 58 | Then it goes faster and it takes only four additional years for the investment to grow to $3,000 | 投资增长到3000美元 只需4年 |
| 59 | After that $4,000 is reached in less than three years and it grows faster and faster the more wealth has accumulated | 之后不到3年就赚到4000美元 并且增长得越快 积累的财富就越多 |
| 60 | Kevin does not get the same snowball effect as his money grows linearly and it takes the same amount of time to grow his | 凯文没有得到同样的雪球效果 他的钱线性增长 并且它需要同样的时间 成长他的 |
| 61 | investment from $1,000 to $2,000 as it does from $2,000 to $3,000 and so on. | 投资从1 000美元到2 000美元,投资从2 000美元到3 000美元等等。 |
| 62 | A rule of thumb that you can use to quickly | 一个可以快速使用的拇指规则 |
| 63 | Calculate the doubling time of an investment at a specific interest rate is the rule of 72 or the 72 rule | 按特定利率计算投资加倍时间是72规则或72规则 |
| 64 | The rule of 72 says that you can obtain the doubling time of an investment by dividing 72 with the interest rate in percentage | 72的规则说,你可以通过72除以利率的百分比来获得投资的加倍时间。 |
| 65 | If you expect an interest rate of 1% which is equivalent to the interest rate of many savings accounts these days | 如果您预期利率为1%, 相当于当前许多储蓄账户的利率 |
| 66 | Then it will take you 72 divided by 1 which is equal to 72 years to double your money | 然后用72除以1 等于72年的钱就能加倍 |
| 67 | 72 years and this is without taking any taxation into account. | 72年,这并没有考虑任何税收。 |
| 68 | In reality at this rate | 事实上,以这个速度 |
| 69 | You will end up losing money due to the inflation as this is higher than 1% and your money will lose buying power | 你最终会因为通货膨胀而输钱,因为这比1%高,你的钱也会失去购买力 |
| 70 | With the rate of 2% which is equal to the inflation nowadays | 2%的通货膨胀率相当于现在的通货膨胀率 |
| 71 | It will take 36 years for the investment to double and with 10% interest rate equal to the stock market yearly returns | 投资需要36年才能翻一番,利率与股票市场年回报率持平10% |
| 72 | It takes 7.2 years. | 花了7.2年时间 |
| 73 | So to not lose money to the inflation | 所以不要因为通货膨胀而输钱 |
| 74 | You have to invest them with a higher interest rate to really understand how powerful compound interest is | 你要用更高的利率来投资 才能真正理解复合利息有多强大 |
| 75 | Imagine that you start with $1 and then you double the money each day on the second day | 想象一下,你从一美元开始,然后你每天在第二天加倍钱 |
| 76 | You will have $2 on the third day. | 第三天你还有两块 |
| 77 | You will then have $4 on the fourth $8 and so on | 4块8,你还有4块 |
| 78 | Do you know how long time it will take to get to 1 million dollars? | 你知道要多久才能赚到100万美元吗? |
| 79 | 21 days now | 现在21天了 |
| 80 | It's far from realistic to think that you can double your money every day if you don't go to a casino and have an immense | 认为如果不去赌场 拥有一大笔钱 你每天可以加倍 |
| 81 | Amount of luck but this shows how powerful compound interest really is | 运气好,但是这说明 复合利息的威力 |
| 82 | The amount of money that you can accumulate depends on the interest rate the principle and the time invested | 您可以积累的资金金额取决于利率 原则和投入的时间 |
| 83 | The money will naturally grow faster with a higher interest rate | 利率越高,钱自然会增长更快 |
| 84 | But remember that the higher interest rate usually also means a higher risk for your investments | 但记住,高利率通常也意味着 你的投资风险更高 |
| 85 | The principle or initial investment is also important, but not as important as time | 原则或初始投资也很重要,但不如时间重要 |
| 86 | Let's take a look if you don't have as much investment time as Cindy did | 如果你没有辛迪那么多的投资时间,我们来看看 |
| 87 | But you want to reach the same amount in the end | 但你想最终达到同样数额 |
| 88 | Then you have to start with a higher principle | 那你得从更高的原则开始 |
| 89 | If you invest during 20 years instead of 30, then you need an initial investment of | 如果你投资20年而不是30年, 那你需要初始投资 |
| 90 | $2,600 | 2 600美元 |
| 91 | 2.6 times more to reach the same result and if your investment horizon is only 10 years | 如果投资范围只有10年,达到同样结果的2.6倍 |
| 92 | You need a principle as high as | 你需要一个原则,如 |
| 93 | $6,700 or 6.7 times more to get the same end result | 6 700美元或多6.7倍,以获得同样的最终结果 |
| 94 | So if you're young then time is on your side and it can be worth investing even smaller amounts | 所以,如果你年轻,那么时间在你身边, 它可能值得投资更小的数额 |
| 95 | If you're a bit older when you start investing then if possible, it would be worth trying to invest higher amounts | 如果你在开始投资的时候年纪大一点的话 如果可能的话 值得投资更多 |
| 96 | But even smaller amounts will of course be able to grow with compound interest and make a difference in the end | 但是,更小的金额 当然能够增加 与复合利息 并在最后有所改变 |
| 97 | I'm often asked if compound interest only works for savings accounts | 我经常被问到复合利息是否只用于储蓄账户 |
| 98 | But it works with any investment where you get the return for example stocks or bonds | 但它与任何投资一起工作 在那里你得到回报,例如股票或债券 |
| 99 | If you want to know how to invest with compound interest and check out my recent video for different suggestions | 如果你想知道如何投资 与复合利息 并查看我最近的视频 不同的建议 |
| 100 | The whole concept with compound interest includes saving and investing instead of immediate rewards | 具有复合利息的整个概念包括储蓄和投资,而不是立即奖励 |
| 101 | It's interesting to consider how much immediate consumption would be worth in the future if you had invested in money instead | 考虑一下如果你投资了钱 未来会有多值钱 |
| 102 | A coffee on the go for about say $5 would be equal to $80 in 30 years | 一杯咖啡,大约5美元 等于30年的80美元 |
| 103 | Invested with 10% interest rate and compound interest or a lunch for around $10 | 用10%的利率和复合利息投资或午餐10美元左右 |
| 104 | But in the same way be worth almost $160 with compound interest | 但同样地 价值近160美元 加上利息 |
| 105 | Now I'm not saying that you should never buy coffee or lunch | 我不是说你不该买咖啡或午餐 |
| 106 | But it's good to be aware so you can make smart economic decisions and have control of your consumption and investing | 但最好知道这样你才能做出明智的经济决定 控制你的消费和投资 |
| 107 | Often we just don't get one coffee, but maybe we get one coffee a week | 我们经常不喝咖啡 但也许我们每周喝一杯咖啡 |
| 108 | In one year, this will be $260 | 再过一年,就赚了260美元 |
| 109 | And maybe this is not so much for you in one year | 也许这对你来说一年没有那么重要 |
| 110 | But after 30 years invested with compound interest, this could be $4,100 instead | 但30年后投资 与复合利息, 这可能是4100美元 |
| 111 | And that lunch could in the same way be $8,200 | 那份午餐也可以是8200块 |
| 112 | Is it still worth it? | 还值得吗? |
| 113 | Honestly, this was more than I expected | 老实说 这比我想象的还要多 |
| 114 | Another example of when compound interest has an effect is when looking at management fees of funds | 复利产生效应的另一个例子是,当审视资金的管理费时。 |
| 115 | It's easy to be fooled to think that a management fee of 0.2% or 2% does not matter that much | 认为0.2%或2%的管理费并不重要, |
| 116 | The difference is just a small percentage | 差别很小 |
| 117 | But with compound interest this difference will grow larger the more time passes | 但加在一起的兴趣,这种差异会越长越大 |
| 118 | For one the management fee accumulates into a larger sum as time passes | 其中一项管理费随着时间的流逝而累积为更大的金额 |
| 119 | And for the second the fee also decreases your invested sum that can compound new interest the coming year | 而第二,费用也减少了你的投资总额 可以增加新的利息 在来年 |
| 120 | Let's take a look at the example of Cindy again | 让我们再看看辛迪的例子 |
| 121 | The first time I didn't take any fees into consideration | 我第一次不考虑任何费用 |
| 122 | But here you can see how much she would get if she had invested with a specific management fee percentage | 但在这里,你可以看到,如果她投资了特定的管理费百分比,她会得到多少. |
| 123 | The fee of a mutual fund is commonly around 1-2% and for index funds the fees are lower and usually below 0.4% | 共同基金的费用通常在1-2%左右,而指数基金的费用则较低,通常低于0.4%。 |
| 124 | Hedge funds can have even higher fees of 2.5% or more | 汇兑基金收费可能更高,甚至高于2.5% |
| 125 | Different performance based fees where the fund gets to take a greater fee if it beats its benchmark index also exists | 如果基金比基准指数高,则基金可收取更高的费用,但基于业绩的不同收费也存在 |
| 126 | If you're not familiar with different fund types make sure to subscribe to my channel and press the bell | 如果你不熟悉不同的基金类型 确保订阅我的频道 按铃 |
| 127 | So you don't miss any upcoming videos where we cover this in more detail | 所以你不要错过任何即将到来的视频 我们更详细地报道了这一点 |
| 128 | If Cindy had invested in an index fund with a yearly fee of 0.2% | 如果辛迪投资一个指数基金,年费为0.2% |
| 129 | She would have had 94% of the sum she would get without fees often for 30 years | 她会得到94%的金额 不收费 30年 |
| 130 | If she instead had invested with a fee of 2% she would only have had 56% in the end | 如果她投资2%,她最终只投资56% |
| 131 | So as you can see the fee is crucial for the end results | 所以,你可以看到收费 对于最终的结果至关重要 |
| 132 | When the bank sass at the fees 2% per year, maybe you think it's a bit expensive | 当银行每年开2%的价钱时, 也许你觉得有点贵 |
| 133 | But we still get to keep 98% so it cannot be that bad, right? | 但我们还是要保留98% 所以不会那么糟 对吧? |
| 134 | If the bank instead would have told us that with this fee you would get to keep just over half of the money in 30 years | 如果银行会告诉我们 有了这笔钱 你30年就能把一半的钱留着 |
| 135 | We probably would have considered twice if we really should accept the deal or not | 我们也许会考虑两次 如果我们真的接受这个交易 |
| 136 | Should we then always invest with as low a fee as possible? | 那么我们是否应该尽可能低价投资? |
| 137 | No, not necessarily | 没有,不一定 |
| 138 | If an actively managed fund can beat its benchmark index the higher fee can be justifiable | 如果一个积极管理的基金能够超越其基准指数,那么较高的收费是正当的 |
| 139 | But you should be aware that many actively managed funds are in reality disguised passive funds | 但你应该知道,许多积极管理的资金实际上是变相的被动资金 |
| 140 | This means that they pretend to be actively managed so that they can collect a higher fee | 这意味着他们假装被积极管理 这样他们就可以收取更高的费用 |
| 141 | What they're holding is so close to the passive index funds that there's no real possibility for them to differ from the index and beat it | 他们持有的 是如此接近 被动指数基金 他们没有真正的可能 与指数不同 并击败它 |
| 142 | And then the higher fee instead makes them perform even worse than the index | 然后,更高的收费 使得他们的表现比指数更差 |
| 143 | There's much more to say about this, but it has to be another video later | 这件事还有很多话要说 但以后必须再拍一段 |
| 144 | If you've gotten value from this video, | 如果你从这段录像中得到价值 |
| 145 | Please like and subscribe for more content involving personal finance | 请喜欢和订阅更多涉及个人财务的内容 |
| 146 | If you've gotten value from this video | 如果你从这段录像中得到价值 |
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