Sesimpel Ini Paham The Rule Of 72

--

Luca Pacioli dalam buku Summa de Aritmethica (1494) menemukan rumus simpel berapa lama waktu agar keuntungan kita menjadi 2x lipat dari modal menggunakan rumus the rule of 72

Sumber: https://www.investopedia.com/terms/r/ruleof72.asp 

Penjelasan Singkat The Rule Of 72

Jadi misal nih kamu pengen menggandakan uang investasi yang punya rate of return sebesar 6% tiap tahun. Berarti kamu butuh waktu (72/6 = 12) selama 12 tahun. Sesimpel ini!

Oh iya, satuan lama waktu tergantung satuan pada rate of return ya. Kalau rate of return nya 6% per bulan berarti butuh 12 bulan, 6% per quarter berarti butuh 12 quarter, dst. 

Fungsi dari The Rule Of 72

FYI juga…

Rule Of 72 ini bisa digunakan buat tahu:

  • Kapan tingkat ekonomi negara meningkat/menurun 2x lipat (rate of return ganti jadi  tingkat peningkatan/penurunan GDP)
  • Kapan biaya administrasi menurunkan keuntungan reksadana sebesar ½nya (rate of return ganti jadi besar persentase biaya)
  • Kapan biaya tagihan menjadi 2x lipat (rate of return ganti jadi persentase bunga kredit)
  • Kapan inflasi membuat penurunan daya beli sebesar ½nya (rate of return diganti menjadi tingkat inflasi)
  • Kapan jumlah populasi penduduk menjadi 2x lipat (rate of return diganti menjadi laju peningkatan jumlah penduduk)

Sumber: https://www.investopedia.com/terms/r/ruleof72.asp 

Begini Rumus Perhitungannya

Rule of 72 itu rumus perhitungan kasar. Kalau perhitungan matematis yang lebih akurat itu pakai perhitungan logaritma. Seperti ini perbedaanya kalau rate of return contohnya sebesar 8%/tahun:

RULE OF 72

t = 72/8 = 9 tahun

PERHITUNGAN LOGARITMA 

t = ln(2) / ln (1 + (8 / 100)) = 9.006 tahun

Hampir mendekati bukan? 

Begini Tabel Perbedaannya

Tapi rule of 72 ini tidak selalu cocok untuk semua rentang rate of return. Perbedaannya akan semakin jauh. Rule of 72 cocok untuk rentang rate of return antara 6-10%

Sumber: https://www.investopedia.com/ask/answers/what-is-the-rule-72/ 

Kalau lebih dari itu, perlu penyesuaian dan namanya berubah jadi rule of 73, rule of 74, dst. 

Kesimpulan

Penyesuaiannya dengan +1 pada angka 72 setiap peningkatan 3 poin rate of return terhadap angka 8%. Jadinya:

Rate of return 22% menggunakan rule of 77

Karena 22 – 8 = 14 lalu 14 ÷ 3 = 4,67 ≈ 5 jadi rule of 72 + 5 = rule of 77

Gini perbedaanya:

RULE OF 72 t = 72/22 = 3,27 

RULE OF 77 t = 77/22 = 3,49

PERHITUNGAN LOGARITMA t = ln(2) / ln (1 + (22 / 100)) = 3,5

Kira-kira kalau rate of returnnya 10%, berapa lama waktu penggandaan uangnya ya? Bagusnya pakai rule of berapa? Tulis yuk di kolom komentar!

Penulis:

Kategori: Keuangan

Join the Conversation

227 Comments

  1. Balas
  2. Balas
  3. Balas

  4. mexican online pharmacies prescription drugs [url=http://mexicoph24.life/#]mexico pharmacy[/url] reputable mexican pharmacies online

    Balas

  5. canadianpharmacyworld com [url=https://canadaph24.pro/#]Large Selection of Medications from Canada[/url] canadian pharmacy near me

    Balas
  6. Balas
  7. Balas

  8. buy cytotec [url=http://cytotec.club/#]buy misoprostol over the counter[/url] cytotec abortion pill

    Balas
  9. Balas
  10. Balas
  11. Balas
  12. Balas

  13. get generic propecia without dr prescription [url=https://finasteride.store/#]buy propecia[/url] buy cheap propecia pills

    Balas
  14. Balas
  15. Balas
  16. Balas
  17. Balas
  18. Balas
  19. Balas

  20. where to get nolvadex [url=http://nolvadex.life/#]tamoxifen and osteoporosis[/url] tamoxifen alternatives

    Balas
  21. Balas
  22. Balas

  23. tamoxifen for breast cancer prevention [url=http://nolvadex.life/#]tamoxifenworld[/url] tamoxifen buy

    Balas
  24. Balas

  25. cipro online no prescription in the usa [url=https://ciprofloxacin.tech/#]ciprofloxacin generic[/url] buy ciprofloxacin

    Balas
  26. Balas
  27. Balas
  28. Balas
  29. Balas

  30. buy lisinopril online canada [url=https://lisinopril.network/#]price of zestril[/url] otc lisinopril

    Balas
  31. Balas

  32. Misoprostol 200 mg buy online [url=https://cytotec.club/#]buy misoprostol over the counter[/url] purchase cytotec

    Balas
  33. Balas
  34. Balas
  35. Balas

  36. lisinopril 20mg daily [url=http://lisinopril.network/#]buy lisinopril in mexico[/url] buy zestoretic

    Balas
  37. Balas
  38. Balas
  39. Balas
  40. Balas
  41. Balas
  42. Balas
  43. Balas
  44. Balas

  45. lisinopril online without prescription [url=https://lisinopril.network/#]lisinopril price in india[/url] lisinopril comparison

    Balas
  46. Balas
  47. Balas
  48. Balas

  49. Buy Tadalafil 10mg [url=http://cialist.pro/#]Generic Tadalafil 20mg price[/url] п»їcialis generic

    Balas

  50. super kamagra [url=https://kamagra.win/#]buy kamagra online usa[/url] buy kamagra online usa

    Balas
  51. Balas
  52. Balas
  53. Balas
  54. Balas

  55. Kamagra 100mg price [url=https://kamagra.win/#]kamagra oral jelly[/url] super kamagra

    Balas
  56. Balas
  57. Balas

  58. Vardenafil price [url=https://levitrav.store/#]Buy generic Levitra online[/url] Buy Vardenafil online

    Balas
  59. Balas
  60. Balas
  61. Balas

  62. Buy Cialis online [url=http://cialist.pro/#]cialist.pro[/url] Cheap Cialis

    Balas
  63. Balas
  64. Balas
  65. Balas
  66. Balas

  67. cenforce.pro [url=https://cenforce.pro/#]Purchase Cenforce Online[/url] Cenforce 150 mg online

    Balas
  68. Balas
  69. Balas

  70. Buy Cialis online [url=https://cialist.pro/#]cialist.pro[/url] Cialis 20mg price in USA

    Balas
  71. Balas

  72. canada pharmacy online [url=https://pharmcanada.shop/#]drugs from canada[/url] pharmacy canadian superstore

    Balas
  73. Balas
  74. Balas

  75. buy medication online no prescription [url=http://pharmnoprescription.icu/#]canada prescription[/url] canada pharmacy no prescription

    Balas
  76. Balas
  77. Balas
  78. Balas

  79. non prescription online pharmacy [url=https://pharmnoprescription.icu/#]canadian prescriptions in usa[/url] online pharmacy without prescriptions

    Balas
  80. Balas
  81. Balas

  82. canada drugs coupon code [url=https://pharmworld.store/#]pharm world[/url] mail order pharmacy no prescription

    Balas
  83. Balas
  84. Balas
  85. Balas

  86. mail order prescription drugs from canada [url=http://pharmworld.store/#]us pharmacy no prescription[/url] cheapest pharmacy to get prescriptions filled

    Balas
  87. Balas
  88. Balas
  89. Balas

  90. legit canadian online pharmacy [url=http://pharmcanada.shop/#]canada discount pharmacy[/url] thecanadianpharmacy

    Balas
  91. Balas
  92. Balas
  93. Balas

  94. purchase doxycycline online [url=http://doxycyclinea.online/#]doxycycline online[/url] cheap doxycycline online

    Balas
  95. Balas
  96. Balas

  97. amoxicillin 500mg over the counter [url=http://amoxila.pro/#]amoxicillin 30 capsules price[/url] where can i buy amoxicillin over the counter uk

    Balas
  98. Balas
  99. Balas
  100. Balas
  101. Balas
  102. Balas
  103. Balas
  104. Balas

  105. amoxicillin 500mg price canada [url=http://amoxila.pro/#]buy amoxicillin over the counter uk[/url] where can i buy amoxicillin without prec

    Balas
  106. Balas
  107. Balas
  108. Balas

  109. cost of amoxicillin [url=https://amoxila.pro/#]generic amoxil 500 mg[/url] amoxicillin 500mg price

    Balas
  110. Balas
  111. Balas

  112. buy amoxicillin 500mg canada [url=http://amoxila.pro/#]amoxicillin without prescription[/url] amoxicillin online without prescription

    Balas
  113. Balas
  114. Balas

  115. buy cheap doxycycline [url=https://doxycyclinea.online/#]where can i get doxycycline[/url] doxycycline 100mg price

    Balas
  116. Balas
  117. Balas

  118. price of doxycycline [url=http://doxycyclinea.online/#]doxycycline monohydrate[/url] doxy 200

    Balas
  119. Balas
  120. Balas

  121. 200 mg doxycycline [url=http://doxycyclinea.online/#]doxycycline 50mg[/url] buy doxycycline

    Balas
  122. Balas
  123. Balas
  124. Balas
  125. Balas

  126. cost of amoxicillin 875 mg [url=https://amoxila.pro/#]amoxicillin 500 mg brand name[/url] where can i buy amoxicillin over the counter uk

    Balas
  127. Balas
  128. Balas

  129. generic zithromax azithromycin [url=http://zithromaxa.store/#]zithromax z-pak price without insurance[/url] zithromax prescription

    Balas
  130. Balas
  131. Balas
  132. Balas

  133. zithromax drug [url=http://zithromaxa.store/#]zithromax drug[/url] buy zithromax canada

    Balas
  134. Balas
  135. Balas
  136. Balas

  137. prednisone 20mg online without prescription [url=http://prednisoned.online/#]prednisone 10 mg brand name[/url] prednisone 10 mg online

    Balas
  138. Balas
  139. Balas

  140. prednisone canada pharmacy [url=http://prednisoned.online/#]can i buy prednisone online without prescription[/url] where to buy prednisone without prescription

    Balas
  141. Balas
  142. Balas
  143. Balas
  144. Balas

  145. zithromax 250 [url=https://zithromaxa.store/#]cheap zithromax pills[/url] zithromax 250mg

    Balas
  146. Balas
  147. Balas

  148. generic for doxycycline [url=http://doxycyclinea.online/#]doxycycline without a prescription[/url] doxycycline hyc

    Balas
  149. Balas
  150. Balas
  151. Balas

  152. zithromax prescription [url=https://zithromaxa.store/#]where can i purchase zithromax online[/url] purchase zithromax online

    Balas
  153. Balas
  154. Balas
  155. Balas

  156. drug neurontin 200 mg [url=https://gabapentinneurontin.pro/#]neurontin 300 mg cost[/url] can you buy neurontin over the counter

    Balas
  157. Balas

  158. mexican drugstore online [url=http://mexicanpharmacy1st.com/#]medication from mexico pharmacy[/url] purple pharmacy mexico price list

    Balas
  159. Balas
  160. Balas
  161. Balas

  162. best online pharmacies in mexico [url=http://mexicanpharmacy1st.com/#]mexico drug stores pharmacies[/url] mexican mail order pharmacies

    Balas
  163. Balas
  164. Balas

  165. mexican pharmaceuticals online [url=https://mexicanpharmacy1st.online/#]buying prescription drugs in mexico[/url] best online pharmacies in mexico

    Balas
  166. Balas
  167. Balas
  168. Balas
  169. Balas

  170. buying prescription drugs in mexico [url=https://mexicanpharmacy1st.shop/#]purple pharmacy mexico price list[/url] mexico drug stores pharmacies

    Balas
  171. Balas
  172. Balas
  173. Balas
  174. Balas

  175. mexican border pharmacies shipping to usa [url=https://mexicanpharmacy1st.shop/#]medication from mexico pharmacy[/url] purple pharmacy mexico price list

    Balas
  176. Balas
  177. Balas

  178. mexico pharmacies prescription drugs [url=https://mexicanpharmacy1st.shop/#]buying from online mexican pharmacy[/url] mexico drug stores pharmacies

    Balas
  179. Balas
  180. Balas

  181. buying prescription drugs in mexico [url=https://mexicanpharmacy1st.online/#]mexican border pharmacies shipping to usa[/url] buying prescription drugs in mexico

    Balas
  182. Balas
  183. Balas
  184. Balas
  185. Balas
  186. Balas

  187. purple pharmacy mexico price list [url=https://mexicanpharmacy1st.shop/#]mexican online pharmacies prescription drugs[/url] mexico drug stores pharmacies

    Balas
  188. Balas
  189. Balas

  190. mexican pharmacy [url=https://mexicanpharmacy1st.com/#]mexican pharmaceuticals online[/url] mexico pharmacies prescription drugs

    Balas
  191. Balas
  192. Balas

  193. lisinopril 40 mg pill [url=http://lisinopril.club/#]lisinopril 5 mg medicine[/url] zestoretic 10 12.5 mg

    Balas
  194. Balas
  195. Balas
  196. Balas

  197. where can i order lisinopril online [url=http://lisinopril.club/#]order lisinopril from mexico[/url] lisinopril 20 mg

    Balas
  198. Balas
  199. Balas

  200. cost propecia prices [url=https://propeciaf.online/#]get cheap propecia without a prescription[/url] propecia cheap

    Balas
  201. Balas
  202. Balas
  203. Balas

  204. can i get clomid [url=http://clomiphene.shop/#]cost generic clomid[/url] can i purchase clomid now

    Balas
  205. Balas
  206. Balas

  207. buy generic propecia pill [url=https://propeciaf.online/#]order cheap propecia price[/url] get cheap propecia without insurance

    Balas
  208. Balas
  209. Balas

  210. cost of cheap propecia [url=http://propeciaf.online/#]get generic propecia pills[/url] cost of propecia tablets

    Balas
  211. Balas
  212. Balas
  213. Balas

  214. cost generic propecia prices [url=http://propeciaf.online/#]propecia for sale[/url] generic propecia tablets

    Balas
  215. Balas

  216. cost of clomid for sale [url=http://clomiphene.shop/#]can i get clomid no prescription[/url] buy clomid tablets

    Balas
  217. Balas
  218. Balas

  219. propecia without rx [url=https://propeciaf.online/#]buy generic propecia prices[/url] generic propecia without prescription

    Balas
  220. Balas
  221. Balas
  222. Balas

  223. indian pharmacies safe [url=http://cheapestindia.com/#]reputable indian pharmacies[/url] india pharmacy

    Balas
  224. Balas
  225. Balas
  226. Balas
  227. Balas
Leave a comment

Alamat email Anda tidak akan dipublikasikan.

Berita Terkait

Tips Mengatur Keuangan Mahasiswa Rantau
21:48
Sesimpel Ini Jadi Konsisten dalam Hal Apapun
12:10
Sesimpel Ini Paham 3 Metode Survive Keuangan
11:57
Sesimpel Ini Butterfly Effect, Awal Mula Peristiwa Besar Dunia
10:56
Sesimpel Ini Hidup Minimalis demi Jaga Produktivitas Kamu
17:16
Sesimpel Ini Tahu Gaji UMR VS Biaya Hidup 10 Kota di Indonesia!
16:42
Link berhasil disalin