{"id":1787,"date":"2018-08-15T10:19:06","date_gmt":"2018-08-15T07:19:06","guid":{"rendered":"https:\/\/financer.com\/ro\/?page_id=1787"},"modified":"2024-03-29T18:11:09","modified_gmt":"2024-03-29T16:11:09","slug":"dobanda-compusa","status":"publish","type":"page","link":"https:\/\/financer.com\/ro\/calculeaza\/dobanda-compusa\/","title":{"rendered":"Dob\u00e2nd\u0103 compus\u0103"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Dobnd_compus\">Dob\u00e2nd\u0103 compus\u0103<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Dob\u00e2nda compus\u0103 este a opta minune a lumii. Cine o \u00een\u021belege, o c\u00e2\u0219tig\u0103 \u2026 cine nu, o pl\u0103te\u0219te.<\/p>\n<cite><a href=\"https:\/\/www.clearwealthasset.com\/einsteins-8th-wonder-of-the-world\/\">Albert Einstein<\/a><\/cite><\/blockquote>\n\n\n\n<p>Se poate ca la o prim\u0103 vedere s\u0103 \u00ee\u021bi par\u0103 c\u0103 acest citat este unul ceva cam pompos \u0219i poate pu\u021bin cam exagerat. <\/p>\n\n\n\n<p>Dar odat\u0103 ce \u00een\u021belegi cum func\u021bioneaz\u0103 matematica din spatele acestui fenomen, \u00ee\u021bi vei da seama c\u0103, \u00eentr-adev\u0103r, dob\u00e2nda compus\u0103 chiar este o minune financiar\u0103.<\/p>\n\n\n\n<p>\u0218i vei realiza de ce to\u021bi investitorii caut\u0103 ca investi\u021biile lor s\u0103 acumuleze o asemenea dob\u00e2nd\u0103 la dob\u00e2nd\u0103, cum mai este ea numit\u0103.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Exerciiu_de_calcul_despre_cum_funcioneaz_dobnda_compus\">Exerci\u021biu de calcul despre cum func\u021bioneaz\u0103 dob\u00e2nda compus\u0103<\/h3><p>\u00cenainte de a \u00eencepe cu defini\u021bii \u0219i formule matematice, haide s\u0103 \u00ee\u021bi d\u0103m un exerci\u021biu simplu care \u00een mod cert te va ajuta s\u0103 \u00een\u021belegi pu\u021bin conceptul de la care pornim.<\/p>\n<p>Dac\u0103 \u021bi-am zice c\u0103 ai putea alege \u00eentre 400 milioane lei pe care s\u0103 \u00eei prime\u0219ti acum, pe loc, sau un leu magic, care se dubleaz\u0103 \u00een fiecare zi timp de 30 zile, ce ai alege?<\/p>\n<p>Suntem siguri c\u0103 \u00ee\u021bi vei da seama c\u0103 aceast\u0103 problem\u0103 este oarecum o ghicitoare \u0219i vei alege leul magic, nu?<\/p>\n<p><strong>Ei bine, ai ales corect.<\/strong><\/p>\n<p>Deschide un calculator \u0219i testeaz\u0103 de unul singur. Vei vedea cum, la finalul celor 30 zile, dubl\u00e2nd continuu suma ajungi la 536.870.912 lei.<\/p><\/div>\n\n\n<p>Sigur, exerci\u021biul prezentat mai sus este unul simplist \u0219i nic\u0103ieri \u00een lumea asta nu vei g\u0103si o investi\u021bie legitim\u0103 care s\u0103 \u00ee\u021bi dubleze plasamentele nici m\u0103car de la o lun\u0103 la alta, ce s\u0103 mai zicem de la o zi la alta. <\/p>\n\n\n\n<p>Dar credem c\u0103, prin intermediul lui, \u021bi-ai f\u0103cut o idee general\u0103 despre subiectul articolului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Dobnd_compus_definiie\">Dob\u00e2nd\u0103 compus\u0103 defini\u021bie<\/h2>\n\n\n\n<p>Pentru a \u00een\u021belege ce este dob\u00e2nda compus\u0103, trebuie ca mai \u00eent\u00e2i s\u0103 definim ce este <a href=\"https:\/\/financer.com\/ro\/calculeaza\/calculator-dobanda\/\">dob\u00e2nda simpl\u0103<\/a>.<\/p>\n\n\n\n<p><strong>Dob\u00e2nda<\/strong> (\u00een cazul unui \u00eemprumut) este suma pe care trebuie s\u0103 o pl\u0103teasc\u0103 beneficiarul unui <a href=\"https:\/\/financer.com\/ro\/credit\/credit-rapid\/\">credit<\/a> c\u0103tre cel de la care se \u00eemprumut\u0103, pentru a se putea utiliza de banii respectivi, p\u00e2n\u0103 la restituirea lor.<\/p>\n\n\n\n<p>\u00cen cazul investi\u021biilor, dob\u00e2nda reprezint\u0103 c\u00e2\u0219tigul ob\u021binut de pe urma banilor plasa\u021bi \u00een diverse instrumente.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><strong data-rich-text-format-boundary=\"true\">Dob\u00e2nda compus\u0103<\/strong> numit\u0103 \u0219i <strong>dob\u00e2nd\u0103 capitalizat\u0103<\/strong> reprezint\u0103 un fenomen prin care la suma investit\u0103 ini\u021bial se adaug\u0103 dob\u00e2nda simpl\u0103 generat\u0103 \u00een primul interval investi\u021bional, care \u0219i ea, la r\u00e2ndul ei, va acumula dob\u00e2nd\u0103 \u00een intervalul urm\u0103tor, care apoi se adun\u0103. <em>\u0218i tot a\u0219a&#8230;<\/em><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Economisete_bani_cu_ajutorul_dobnzii_compuse\">Economise\u0219te bani cu ajutorul dob\u00e2nzii compuse<\/h2>\n\n\n\n<p>Principalul avantaj cu care vine dob\u00e2nda compus\u0103 este acela c\u0103 te ajut\u0103 s\u0103 economise\u0219ti mai mul\u021bi bani de la un interval de timp la altul. <\/p>\n\n\n\n<p>S\u0103 spunem c\u0103 dore\u0219ti s\u0103\u00a0<a href=\"https:\/\/financer.com\/ro\/cum-sa-economisesti-bani-pentru-a-trai-mai-bine-si-nu-doar-financiar\/\">economise\u0219ti bani<\/a>\u00a0prin intermediul unui\u00a0<a href=\"https:\/\/financer.com\/ro\/economii\/dobanzi-depozite\/\">depozit bancar<\/a>.<\/p>\n\n\n\n<p>La finalul fiec\u0103rei perioadei contractuale, la suma de bani pe care o aveai ini\u021bial se va ad\u0103uga, automat, dob\u00e2nda simpl\u0103 cu care ai fost de acord atunci c\u00e2nd ai realizat investi\u021bia.<\/p>\n\n\n\n<p>Dac\u0103 te decizi c\u0103 nu vrei s\u0103 retragi banii \u0219i reinveste\u0219ti \u00eentreaga sum\u0103, la finalul urm\u0103torului inverval vei fi primit dob\u00e2nd\u0103 at\u00e2t pentru suma ini\u021bial\u0103, c\u00e2t \u0219i pentru dob\u00e2nda acumulat\u0103 \u00een intervalul precedent.<\/p>\n\n\n\n<p>Acest efect se nume\u0219te <strong>dob\u00e2nd\u0103 cumulat\u0103<\/strong> sau <strong>dob\u00e2nd\u0103 la dob\u00e2nd\u0103<\/strong>. Cu ajutorul lui, sumele economisite vor cre\u0219te exponen\u021bial de la an la an. <\/p>\n\n\n\n<p>Iar \u00een practic\u0103, tu vei reu\u0219i s\u0103 pui mai mul\u021bi bani deoparte dec\u00e2t dac\u0103 ai fi calculat doar dob\u00e2nda simpl\u0103 la suma depus\u0103 ini\u021bial.<\/p>\n\n\n\n<p><em>Iat\u0103 mai jos un exemplu de calcul:<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Exemplu_de_calcul_dobnd_compus\">Exemplu de calcul dob\u00e2nd\u0103 compus\u0103<\/h3>\n\n\n\n<p>Iar pentru a te ajuta s\u0103 \u00een\u021begi mai bine cum func\u021bioneaz\u0103 fenomenul, \u00ee\u021bi vom prezenta \u00een continuare un exerci\u021biu practic de calcul dob\u00e2nd\u0103 compus\u0103:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>S\u0103 spunem c\u0103 ai 10.000 lei \u0219i dore\u0219ti s\u0103 \u00eei investe\u0219t \u00eentr-un <a href=\"https:\/\/financer.com\/ro\/economii\/dobanzi-depozite\/\">depozit bancar<\/a> ce vine cu dob\u00e2nd\u0103 anual\u0103 de 10 %. Ai dou\u0103 op\u021biuni din care po\u021bi alege:<\/p>\n<ul>\n<li>S\u0103 depui suma din start pe trei ani, cu plata anual\u0103 a dob\u00e2nzii, dar care nu se capitalizeaz\u0103<\/li>\n<li>S\u0103 depui suma pe un an, la maturitate s\u0103 aduni dob\u00e2nda iar suma rezultat\u0103 s\u0103 o depui din nou \u00een acela\u0219i depozit bancar, repet\u00e2nd procedeul de dou\u0103 ori<\/li>\n<\/ul>\n<p>Haide s\u0103 vedem care ar fi rezultatele \u00een func\u021bie de variantele alese:<\/p>\n<ul>\n<li><strong>Varianta 1<\/strong> &#8211; vei ob\u021bine c\u00e2te 1.000 lei pentru fiecare an \u00een care dob\u00e2nda a fost aplicat\u0103 sumei ini\u021bial depuse, rezult\u00e2nd un c\u00e2\u0219tig total de 3.000 lei<\/li>\n<li><strong>Varianta 2<\/strong> &#8211; vei avea urm\u0103toarele rezultate:\n<ul>\n<li>Dup\u0103 anul 1 rezult\u0103 o sum\u0103 de 11.000 lei, care este depus\u0103 \u00een acela\u0219i depozit<\/li>\n<li>Dup\u0103 anul 2 rezult\u0103 o sum\u0103 de 12.100 lei, care este din nou depus\u0103 \u00een acela\u0219i depozit<\/li>\n<li>Dup\u0103 anul 3 rezult\u0103 o sum\u0103 de 13.310 lei, deci un c\u00e2\u0219tig total de 3.310 lei<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Vezi cum, folosind aceia\u0219i parametri, dar abord\u0103ri diferite ale investi\u021biei \u0219i utiliz\u00e2nd dob\u00e2nda capitalizat\u0103 rezult\u0103 la finalul exerci\u021biului un c\u00e2\u0219tig suplimentar de 310 lei, deci <strong>mai mare cu 3.1 %<\/strong>.\u00a0<\/p>\n<p>* Sigur, exerci\u021biul prezentat aici este unul pur teoretic. Niciodat\u0103 nu ai siguran\u021ba c\u0103 dob\u00e2nda oferit\u0103 anul acesta pentru depozite bancare va fi aceea\u0219i \u0219i \u00een anul urm\u0103tor.<\/p><\/div>\n\n\n<p>La partea superioar\u0103 a acestui articol vei g\u0103si un <a href=\"https:\/\/financer.com\/ro\/wp-admin\/post.php?post=1787&amp;action=edit#top\">calculator dob\u00e2nd\u0103 compus\u0103<\/a>. Prin intermediul lui vei putea face, gratuit, c\u00e2t de multe simul\u0103ri similare cu aceasta dore\u0219ti.<\/p>\n\n\n\n<p>Vei avea, totodat\u0103, \u0219i posibilitatea de a simula ad\u0103ugarea lunar\u0103 a unor diverse sume \u00een contul de economii, observ\u00e2nd care ar fi rezultatul financiar final.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Dobnd_compus_formul\">Dob\u00e2nd\u0103 compus\u0103 formul\u0103<\/h2>\n\n\n\n<p>Formula dob\u00e2nda compus\u0103 (care a fost utilizat\u0103 \u0219i c\u00e2nd a fost construit calculatorul de mai sus) este urm\u0103toarea:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"D__So_x_1__d100n_u2013_So_unde\">D = So x (1 + d\/100)la puterea n \u2013 So, unde:<\/h3><ul>\n<li><em data-rich-text-format-boundary=\"true\">D =\u00a0<\/em>valoarea dob\u00e2nzii compuse<\/li>\n<li><em>So<\/em> = capitalul de pornire<\/li>\n<li><em>d<\/em> = rata dob\u00e2nzii<\/li>\n<li><em>n<\/em> = durata creditului\/ investi\u021biei \u00een ani<\/li>\n<\/ul><\/div>\n\n\n<p>Repet\u00e2nd exerci\u021biul de mai devreme, formula, pentru anul trei, spre exemplu, se transform\u0103 \u00een:<\/p>\n\n\n\n<p>D = 10.000 x (1 + 10\/100)<sup>3<\/sup> \u2013 10.000 \u00a0=&gt; D = 3.310<\/p>\n\n\n\n<p>Adic\u0103, dup\u0103 anul trei de c\u00e2nd ai depus suma ini\u021bial\u0103 de 10.000 lei la o dob\u00e2nd\u0103 compus\u0103 de 10 % pe an, vei fi acumulat 3.310 lei, iar \u00een contul de economii, suma total\u0103 va fi ajuns la 13.310 lei.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Partea_negativ_a_dobnzii_compuse\">Partea negativ\u0103 a dob\u00e2nzii compuse<\/h2>\n\n\n\n<p>Exist\u0103 \u0219i cazuri \u00een care aceast\u0103 formul\u0103 calcul dob\u00e2nd\u0103 compus\u0103 <strong>nu este \u00een avantajul t\u0103u<\/strong>.<\/p>\n\n\n\n<p>Spre exemplu, dac\u0103 ai un card de cump\u0103r\u0103turi, ratele dob\u00e2nzilor neachitate la timp vor genera \u0219i ele dob\u00e2nzi, ceea ce va face ca dob\u00e2nda efectiv\u0103 a \u00eemprumutului s\u0103 fie una mai mare fa\u021b\u0103 de cea promovat\u0103 \u00een momentul semn\u0103rii contractului.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"ntrebri_frecvente_despre_dobnda_compus\">\u00centreb\u0103ri frecvente despre dob\u00e2nda compus\u0103<\/h3><h4>Ce este dob\u00e2nda compus\u0103?<\/h4><div class=\"faq_inner\"><p>Dob\u00e2nda compus\u0103 este un fenomen financiar prin care la suma investit\u0103 ini\u021bial se adaug\u0103 dob\u00e2nda simpl\u0103 generat\u0103 \u00een primul interval investi\u021bional, care \u0219i ea, la r\u00e2ndul ei, va acumula dob\u00e2nd\u0103 \u00een intervalul urm\u0103tor, pe l\u00e2ng\u0103 principal \u0219i tot a\u0219a pentru \u00eentreg exerci\u021biul.\u00a0<\/p><\/div><h4>Cum se calculeaz\u0103 dob\u00e2nda compus\u0103?<\/h4><div class=\"faq_inner\"><p>Dob\u00e2nda compus\u0103 are urm\u0103toarea formul\u0103 &#8211; D = So x (1 + d\/100)la puterea n \u2013 So, unde:<\/p>\n<ul>\n<li><em data-rich-text-format-boundary=\"true\">D =\u00a0<\/em>valoarea dob\u00e2nzii compuse<\/li>\n<li><em>So<\/em> = capitalul de pornire<\/li>\n<li><em>d<\/em> = rata dob\u00e2nzii<\/li>\n<li><em>n<\/em> = durata creditului\/ investi\u021biei \u00een ani<\/li>\n<\/ul><\/div><h4>La ce folose\u0219te dob\u00e2nda compus\u0103<\/h4><div class=\"faq_inner\"><p>Dob\u00e2nda compus\u0103 este foarte util\u0103 celor care doresc s\u0103 \u00ee\u0219i m\u0103reasc\u0103 economiile. Folosit\u0103 corect, te poate ajut\u0103 s\u0103 acumulezi procente importante \u00een fiecare an.<\/p><\/div><\/div>\n\n\n<p>Sper\u0103m c\u0103 pagina pe care tocmai ce ai citit-o, \u00eempreun\u0103 cu instrumentul de calcul de sus care poate fi numit \u0219i <a href=\"#top\">calculator investi\u021bii dob\u00e2nd\u0103 compus\u0103<\/a> s\u0103-\u021bi fi fost de folos.<\/p>\n\n\n\n<p>Pentru eventuale \u00eentreb\u0103ri, nu ezita s\u0103 ne contactezi, iar noi \u00ee\u021bi vom r\u0103spunde c\u00e2t vom putea de repede.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Iar dac\u0103 dore\u0219ti ca \u0219i pentru fondurile tale s\u0103 te bucuri de acest efect matematic, te \u00eencuraj\u0103m s\u0103 cite\u0219ti paginile noastre dedicate <a href=\"https:\/\/financer.com\/ro\/economii\/cele-mai-bune-10-investitii\/\">investi\u021biilor<\/a> \u0219i <a href=\"https:\/\/financer.com\/ro\/economii\/idei-de-afaceri-online\/\">ideilor de afaceri<\/a>.<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>Dob\u00e2nd\u0103 compus\u0103 Dob\u00e2nda compus\u0103 este a opta minune a lumii. Cine o \u00een\u021belege, o c\u00e2\u0219tig\u0103 \u2026 cine nu, o pl\u0103te\u0219te.\u2026 <\/p>\n","protected":false},"author":77,"featured_media":1788,"parent":1760,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/pages\/1787"}],"collection":[{"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/comments?post=1787"}],"version-history":[{"count":31,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/pages\/1787\/revisions"}],"predecessor-version":[{"id":44191,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/pages\/1787\/revisions\/44191"}],"up":[{"embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/pages\/1760"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/media\/1788"}],"wp:attachment":[{"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/media?parent=1787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/categories?post=1787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/ro\/wp-json\/wp\/v2\/tags?post=1787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}