最近ウシジマくんという漫画を読んでるんですが、えげつない漫画です(笑)
借金取りの話なのですが、
登場人物の9割9分悪人という案配で、
反面教師的に読むのにいいです(笑)
いつまでも謙虚さは忘れずに生きていきたいですね。
それに絡めて
、前回に続き金利について書いていきたいと思います。
お付き合い下さい。
金利には、単利と複利、2種類あります。
単利は元本だけに利子がつくもの。
複利は元本と利子に利子がつくもの。
これだけだと分かりませんよね(笑)
詳しく書いてもいいですが、調べたらすぐに分かることなどで詳細は省きます。
ただ、資産運用をするなら、絶対に複利でして下さい。
10年後の結果が全然違います。
画像を見ていただけたら分かりますが、100万円を10年運用した場合、
単利では、200万円
複利では、259万円
59万円の差です。
1年、2年では、差はないですが、時間の経過と共に大きな差になっていきます。
投資の場合は、時間とリスクはトレードオフの関係です。
時間をあまりかけないとリスクは高くなるし、
時間をかけるとリスクは低くなります。
人それぞれ考え方があるので、
なんとも言えないですが、より安全に投資をするなら、
10年、20年複利で運用する方法が一番堅いかなと思います。
たまにFXで、1年で1億円稼いだ人とかもいますが、
あれはどうなんですかね(笑)
その百倍くらいの人は負けていていますからね。
まあ自己責任で
投資と投機
多くの人が投資と投機をごっちゃにして考えています。
ここを分けていなければ、そもそも戦略を考える時に方向を間違えてしまうので、
ここで説明しておきます。
投資は、ある企業なとが将来成長することを見込んで、
自分の資産を投入し、将来リターンを得るという行為です。
一般的に長期で配当収入などのインカムゲインを得ます。
一方投機は、FXやデイトレードでの株式投資など、
儲かるタイミングで売買をし、その差益で利益をあげる行為です。
一般的に短期で売買差益、キャピタルゲインを得ます。
多くの人が投資というと、後者の方をイメージし、
間違った認識で投資を始めますが、こちらは投機です。
両者がどちらがいいとか悪いはありません。
自分がどちらをしたいか。
ただ、自分は投資がしたいのに、
間違って投機の認識で始め、戦略をたててしまうと失敗をする可能性がありますので
ご注意下さい。
ちなみに今回のブログのテーマの複利は投資の時に用いるものです。
最後にひとつ名言の紹介を。
あの有名なアインシュタインがこう言っています。
『数学における最も偉大な発見は複利である。』と
あの天才が唸る法則、「複利」
これを機会に勉強してみると面白いかもしれません。。
コメント
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