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Rule of 72: Simple pero Powerful na Financial Tool

21 May 2025-7 min read-By Jarrod Kirkland

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Rule of 72: Simple pero Powerful na Financial Tool

Key Takeaways

1I-divide ang 72 sa expected return rate para i-estimate ang doubling years.
2Sa 6% doble sa 12 years; sa 8% sa 9 years.
3Reverse: sa 3% inflation ang purchasing power ay nahahati sa 24 years.

Ang Rule of 72 ay quick mathematical shortcut para i-estimate ang investment doubling timelines.

Ang Rule of 72 ay isa sa pinaka-useful na mental shortcuts sa personal finance. I-divide lang ang 72 sa annual return rate para makuha ang approximate years.

Formula: Years to Double = 72 ÷ Annual Rate of Return

Quick Reference

•3% return: Double sa 24 years
•6% return: Double sa 12 years
•8% return: Double sa 9 years

NZ Applications

KiwiSaver Growth fund (8%): Ang balance ay doble sa ~9 years. Ang property na may 5% growth, doble sa ~14-15 years.

Reverse Application

Sa 3% annual inflation, ang purchasing power ng cash ay nahahati sa 24 years. Sa 20% credit card interest, ang balances ay doble sa 3.6 years.

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Frequently Asked Questions

Ano ang Rule of 72?

I-divide ang 72 sa annual return rate para makuha ang doubling years. Sa 6%, ang money ay doble sa ~12 years.

Gaano ka-accurate ang Rule of 72?

Pinaka-accurate sa pagitan ng 4-12% returns.

Disclaimer

The information on this website is for general guidance only and does not constitute financial or investment advice. Always do your own research and seek personalised advice from a qualified financial adviser or mortgage adviser before making financial decisions. All investments carry risk and past performance is not indicative of future results.