Financial planners always stressed that the time value of money or the Time Value of Money is very important in family financial planning and also influence the success in achieving the goals of family life.
Then what is the time value of money? Illustration is this if we have money now amounting to Rp. 100 million, then if we put this money into investments that provide the assumption of return of 12% per annum (nett assumption), then within a year the amount of money we will be Rp.112 million, so within two years would be USD 125 , 44 million, within three years to Rp. 140.49 million and so on up to 20 years if it becomes Rp. 964.63 million and so on so forth. So the sooner we invest, the more money we will collect in the future. Now if only the presumption that the IDR lumpsum money. 100 million had been, let's also continue to invest every month USD. Currencies other than USD 3 million. 100 million which we had invested over 20 years how much money or value of our investments until the end of year 20 of the USD. 3932.40 million. Wow .... Great as well ... .. nah is relatively large or small breed but showed his money ... that is caused by the effect of time value of money.
Then use what dong for family financial planning, its use is to facilitate financial planning itself so that financial planning can be done. Without the assumption of return or opportunity cost, the technique of counting the time value of money used in financial planning can not be done. Now we return to the example above where the latest example of money or value of investment to Rp. 3932.40 million in 20 years, assuming 12% return per year. Well now live behind aja if you want the value of your investment to Rp. 6 billion in 20 years, how much additional investment that must be done each month, assuming the same return? Easy is not it, just stay behind it ...? but wait a minute ... ... the fact that all the assumptions of financial planning assumption is more complex than that because there are other things that must be considered as the level of inflation which lowers the purchasing power of money and other things that came back were also associated with family life purpose. When combined with other assumptions asumsil the Time Value of Money is going to work more effectively in assisting the planning of your finances. What is your plan? Time Value of Money will of the make your plan possible.
Tags: Family Financial Planning Articles, deposits, securities compounding, investment real estate, mutual fund investing, leveraging, the economic value of the assets, financial planner, time value of money
Then what is the time value of money? Illustration is this if we have money now amounting to Rp. 100 million, then if we put this money into investments that provide the assumption of return of 12% per annum (nett assumption), then within a year the amount of money we will be Rp.112 million, so within two years would be USD 125 , 44 million, within three years to Rp. 140.49 million and so on up to 20 years if it becomes Rp. 964.63 million and so on so forth. So the sooner we invest, the more money we will collect in the future. Now if only the presumption that the IDR lumpsum money. 100 million had been, let's also continue to invest every month USD. Currencies other than USD 3 million. 100 million which we had invested over 20 years how much money or value of our investments until the end of year 20 of the USD. 3932.40 million. Wow .... Great as well ... .. nah is relatively large or small breed but showed his money ... that is caused by the effect of time value of money.
Tags: Family Financial Planning Articles, deposits, securities compounding, investment real estate, mutual fund investing, leveraging, the economic value of the assets, financial planner, time value of money
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