Doubling ka mota hisaab, der se shuru karne ki keemat, aur beech mein tod dene ka nuksaan
Published by The Retail Trader · AUG 09, 2026 · Features
Compounding ek ghisi hui baat lagti hai kyunki wo har jagah likhi hai. Par uska asar hum systematically kam aankte hain, kyunki insaani dimaag seedhi line mein sochta hai aur compounding seedhi line mein nahi chalti.
72 ko apne annual return se divide karo, jawab ye batayega ki paisa lagbhag kitne saal mein double hoga. 12% par lagbhag 6 saal, 8% par lagbhag 9 saal.
Ye ek approximation hai, exact formula nahi — par mann hi mann hisaab lagane ke liye ye kaafi hai aur yahi iska poora faayda hai.
Compounding ka bada hissa aakhri saalon mein aata hai, kyunki tab base sabse bada hota hai. Isliye shuruaat ke saal chhote dikhte hain aur unhe chhod dena sabse mehnga padta hai.
Ek aam observation: jo aadmi das saal pehle shuru karta hai, wo aksar us aadmi se aage rehta hai jo baad mein dogunа amount daalta hai. Farq amount ka nahi, saalon ka hota hai.
Compounding ki teen shartein hain, aur teenon todi jaati hain:
• Paisa laga rehna chahiye — beech mein nikaal lena curve ko reset kar deta hai.
• Return positive rehna chahiye — ek bada nuksaan saalon ka compounding kha jaata hai.
• Kharcha kam hona chahiye — har saal ka kharcha bhi compound hota hai, ulti disha mein.
• Aur sabse zaroori — waqt chahiye. Compounding ka koi shortcut nahi hai, aur jo shortcut bech raha hai wo compounding nahi bech raha.
Wahi ganit ulta bhi chalta hai. Har saal ka 2% kharcha, har trade ki laagat, aur bade drawdowns — teenon compounding ko ulta chalate hain.
Isliye return badhane se pehle nuksaan aur kharcha ghatana aksar zyada asar daalta hai. Wo boring hai, par uska ganit kahin zyada pakka hai.
Compounding ka matlab ye nahi hai ki har saal ek jaisa return aayega. Asli market mein return upar-neeche hota hai, aur beech mein aise saal aate hain jab kuch nahi hota ya nuksaan hota hai.
Compounding ka faayda uthane ki asli shart yahi hai: un saalon mein bhi khel mein bane rehna. Isiliye asset allocation aur risk control compounding ki baat karte waqt utne hi zaroori hain jitna return.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.