时间+复利是天下第八大奇迹！
我们都知道什么是复利，实际上，单利就是滚动利率，平均利率一般不会太高。比如：-银行定期存款10000元，一年期利率1.5%，一年期利率只有150元。但如果是10000元，存款30年期，利率高2.75%，30年期过后，总本息22566元，利息12566元，已经翻了一番多。 -同样的定期存款10000元，如果没有复利，即使在2.75％的利率，每年 275元利息，30年期利息8250元。复利利息为12566元，无复利的利息为8250元，整整多了52% 。
爱因斯坦说过，时间+复利是天下上第八大奇迹；巴菲特总结本人的胜利窍门:“人生就像滚雪球,首要的是发现很湿的雪和很长的坡”；普通一点解释“滚雪球效应”，就是要找到足够长的山坡以及足够湿的雪。对于理财来说，初期的投资是初期的小湿雪球，山坡相当于时间，山坡的雪相当于复利，随着时间的推移，小雪球越滚越大越快。
例如，假设你想要买大房子，向银行500万个贷款，商业贷款利率年利率4.90％，30年期抵押贷款，等额本息还款，猜测30年要还多少钱？是955万，哦，我的天，500万美元的债务455万美元的利息，是的，时间和复利就是这么回事，如果我们把它加到我们的财务里，也一样。所以我们越早开始，越好，你越早开始，你就能越早享受复利的好处。很多人往往忽略了时间复利的作用，不知道时间很值钱，时间真的是钱啊。复利的时间是投资理财的神器。
本文来源： 大田环球贵金属
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