{"id":619,"date":"2017-10-03T20:10:39","date_gmt":"2017-10-03T17:10:39","guid":{"rendered":"https:\/\/financer.lt\/?page_id=619"},"modified":"2024-09-04T16:18:57","modified_gmt":"2024-09-04T13:18:57","slug":"sudetiniu-palukanu-skaiciuokle","status":"publish","type":"page","link":"https:\/\/financer.lt\/sutaupyk\/sudetiniu-palukanu-skaiciuokle\/","title":{"rendered":"Sud\u0117tini\u0173 pal\u016bkan\u0173 skai\u010diuokl\u0117"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Apie_sudtines_palkanas\">Apie sud\u0117tines pal\u016bkanas<\/h2>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Kas_yra_sudtins_palkanos_1\">Kas yra sud\u0117tin\u0117s pal\u016bkanos?<\/h3><p>Sud\u0117tin\u0117s pal\u016bkanos &#8211; finansinis rei\u0161kinys, kuomet pal\u016bkanos apskai\u010diuojamos ne tik nuo pagrindin\u0117s investicijos sumos, bet ir nuo besikaupian\u010dio pelno.<\/p>\n<p>Sud\u0117tini\u0173 pal\u016bkan\u0173 atveju, pelnas did\u0117ja eksponenti\u0161kai.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Kuo_ilgiau___tuo_pelningiau\">Kuo ilgiau &#8211; tuo pelningiau<\/h3>\n\n\n\n<p>Ind\u0117liai yra daug pelningesni ilguoju laikotarpiu. <\/p>\n\n\n\n<p>Net jei j\u016bs nepadidinsite ind\u0117lio sumos, sud\u0117tin\u0117s pal\u016bkanos bus jums naudingos ir j\u016bs\u0173 pagrindin\u0117 suma automati\u0161kai did\u0117s eksponenti\u0161kai.<\/p>\n\n\n\n<p>Tiesa, sud\u0117tin\u0117s pal\u016bkanos taikomos ne tik ind\u0117li\u0173 atveju.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Sud\u0117tin\u0117s pal\u016bkanos taikomos:<\/h4>\n\n\n\n<ul>\n<li>Investavimo platformose,<\/li>\n\n\n\n<li>Ind\u0117liams,<\/li>\n\n\n\n<li>P2P platformose (kartais).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Naudokits_ms_skaiiuokle\">Naudokit\u0117s m\u016bs\u0173 skai\u010diuokle!<\/h3>\n\n\n\n<p>Sud\u0117tini\u0173 pal\u016bkan\u0173 skai\u010diavimas yra itin svarbus visiems, norintiems planuoti savo peln\u0105 \u012f ateit\u012f &#8211; rankinis toki\u0173 pal\u016bkan\u0173 skai\u010diavimas da\u017enai yra gan\u0117tinai sud\u0117tingas.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Paskaiiuokite_paprastai\">Paskai\u010diuokite paprastai<\/h3><p>Jei norite i\u0161vengti rankinio skai\u010diavimo, naudokite Financer.com sud\u0117tini\u0173 pal\u016bkan\u0173 skai\u010diuokl\u0119 &#8211; su ja gal\u0117site lengvai ir greitai \u012fvertinti potenciali\u0105 j\u016bs\u0173 investicij\u0173 gr\u0105\u017e\u0105.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kaipdidja_sudtins_palkanos\">Kaip\u00a0did\u0117ja sud\u0117tin\u0117s pal\u016bkanos?<\/h2>\n\n\n\n<p>Pal\u016bkan\u0173 norma skai\u010diuojama nuo pagrindin\u0117s sumos ir sukaupt\u0173 pal\u016bkan\u0173 u\u017e kiekvien\u0105 pal\u016bkan\u0173 laikotarp\u012f. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Paprastas_Pavyzdys\">Paprastas Pavyzdys<\/h3>\n\n\n\n<p>Tarkime, kad j\u016bs padedate 1000 eur\u0173 su 10% sud\u0117tin\u0117mis pal\u016bkanomis. <\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Pavyzdio_skaiiavimas\">Pavyzd\u017eio skai\u010diavimas<\/h3><li><p><strong>Pirmieji metai &#8211; 1100 eur\u0173 (u\u017edarbis: 100\u20ac).<\/strong><\/p>\n<p>Iki pirm\u0173j\u0173 met\u0173 pabaigos j\u016bs\u0173 ind\u0117lio suma bus 1100\u20ac.<\/p>\n<\/li><li><p><strong>Antrieji metai &#8211; u\u017edarbis: 110\u20ac.<\/strong><\/p>\n<p>Antrus metus 10% pal\u016bkanos jau bus skai\u010diuojamos nuo 1100 eur\u0173 ind\u0117lio sumos, kas rei\u0161kia, kad antrais metais j\u016bs u\u017edirbsite 110 eur\u0173 vietoj 100<\/p>\n<\/li><li><p><strong>Tretieji metai &#8211; u\u017edarbis: 121\u20ac.<\/strong><\/p>\n<p>Tre\u010diaisiais metais 10% pal\u016bkanos v\u0117l bus perskai\u010diuotos ir j\u016bs\u0173 metin\u0117 suma bus 121 eurai.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Paprastai tariant, per trejus metus j\u016bs u\u017edirbsite 331 eur\u0173, o tai yra 31 euru daugiau, negu skai\u010diuotum\u0117te su paprastomis pal\u016bkanomis.\u00a0<\/p>\n\n\n\n<p>Kuo j\u016bs ilgiau laikysite savo pinigus ir kuo stabilesn\u0117s bus pal\u016bkan\u0173 normos, tuo pelningesnes investicijas tur\u0117site.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Atsivelkite__mokesius\">Atsi\u017evelkite \u012f mokes\u010dius<\/h3><p>Visuomet atsi\u017evelkite \u012f galimas papildomas i\u0161laidas, nes kai kurie bankai ir kredito bendrov\u0117s taip pat turi paskol\u0173 sutar\u010di\u0173 mokes\u010dius arba m\u0117nesinius administracinius mokes\u010dius, kurie gali suma\u017einti j\u016bs\u0173 investicij\u0173 peln\u0105.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kaip_apskaiiuoti_sudtines_palkanas\">Kaip apskai\u010diuoti sud\u0117tines pal\u016bkanas?<\/h2>\n\n\n\n<p>Sud\u0117tini\u0173 pal\u016bkan\u0173 sum\u0105 galima lengvai apskai\u010diuoti pagal \u0161i\u0105 formul\u0119:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Sudtini_palkan_formul\">Sud\u0117tini\u0173 pal\u016bkan\u0173 formul\u0117<\/h3><h3 style=\"text-align: center;\"><br>K (t) = k (0) x (1 + p)^ t<\/h3>\n<p>\u00a0<\/p>\n<p>K (t) &#8211; galutin\u0117 suma ind\u0117lio laikotarpio pabaigoje;<br>k (0) &#8211; suma, kuri\u0105 pad\u0117site ind\u0117lio prad\u017eioje;<br>p &#8211; pal\u016bkan\u0173 norma. Pavyzd\u017eiui, 5% pal\u016bkanos tur\u0117t\u0173 b\u016bti pa\u017eym\u0117tos kaip 0,05;<br>t &#8211; ind\u0117lio laikymo laikas (pavidalas laipsniu).<\/p><\/div>\n\n\n<h4 class=\"wp-block-heading\">Skai\u010diavimo pavyzdys<\/h4>\n\n\n\n<p>J\u016bs per penkeri\u0173 met\u0173 laikotarp\u012f planuojate laikyti banke 20 000 eur\u0173 su 3% sud\u0117tine pal\u016bkan\u0173 norma. \u0160ios preliminarios sumos atveju galutin\u0117 ind\u0117lio suma su pal\u016bkanomis bus tokia:<\/p>\n\n\n\n<p>K (5) = 20,000 x (1 + 0,03)^ 5 = 23,185.48 \u20ac<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Pravartu_inoti\">Pravartu \u017einoti<\/h3><p>\u0160i formul\u0117 veikia tada, kai pal\u016bkan\u0173 norma ir ind\u0117lio suma per laik\u0105 nesikei\u010dia.<\/p>\n<p>Tai rei\u0161kia, kad negal\u0117site pasiskolinti pinig\u0173 i\u0161 savo ind\u0117lio.<\/p>\n<p>Taip pat reik\u0117t\u0173 atsi\u017evelgti ir \u012f skirting\u0173 bank\u0173 taisykles, t.y. papildomus administracinius mokes\u010dius ir t.t. Savaime suprantama, jog jie \u012f formul\u0119 n\u0117ra \u012ftraukti.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ko_svarbu_nepamirti_apie_indlius\">Ko svarbu nepamir\u0161ti apie ind\u0117lius?<\/h2>\n\n\n\n<p>Sud\u0117tini\u0173 pal\u016bkan\u0173 investicijos yra vienas geriausi\u0173 b\u016bd\u0173 u\u017esidirbti pasyvi\u0173 pajam\u0173 &#8211; \u017einoma, jeigu investuosite geromis s\u0105lygomis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Investuoti___ne_tik__indlius\">Investuoti &#8211; ne tik \u012f ind\u0117lius<\/h3>\n\n\n\n<p>Vert\u0117t\u0173 pamin\u0117ti, jog investuoti j\u016bs galite ne tik \u012f ind\u0117lius &#8211; taip pat egzistuoja ir investavimo platformos, sukurian\u010dios galimyb\u0119 u\u017edirbti daugiau.<\/p>\n\n\n\n<p>Nors ind\u0117liai &#8211; itin da\u017enas pasirinkimas, deja \u0161iuo metu jiems si\u016blomos pal\u016bkanos yra itin \u017eemos.<\/p>\n\n\n\n<p>Jei norite u\u017edirbti daugiau (iki 10 &#8211; 15% metin\u0117s gr\u0105\u017eos), galite pasiskaityti apie investavimo platformas \u0161iame puslapyje:<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/how-to\/investavimo-platformos-kodel-ir-kokia-pasirinkti\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Viskas apie investavimo platformas<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Skirtinga_rizika\">Skirtinga rizika<\/h3>\n\n\n\n<p>Skirtingiems ind\u0117liams taikomos skirtingos s\u0105lygos ir rizikos lygiai.<\/p>\n\n\n\n<p>Kai kurioms didel\u0117s rizikos santaup\u0173 s\u0105skaitomis yra suteikiama didesn\u0117 finansin\u0117 gr\u0105\u017ea, ta\u010diau tuo pa\u010diu metu egzistuoja ir didesn\u0117 rizika prarasti pinigus.<\/p>\n\n\n\n<p>Kita vertus, yra ir stabili\u0173 ilgalaiki\u0173 ind\u0117li\u0173, u\u017etikrinan\u010di\u0173 ram\u0173 ir saug\u0173 pinig\u0173 augim\u0105.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Saugikliai, apsaugantys investicijas:<\/h4>\n\n\n\n<ul>\n<li><strong>Renkantis ind\u0117lius<\/strong> &#8211; automatinis valstybinis draudimas iki 100 000\u20ac.<\/li>\n\n\n\n<li><strong>Renkantis inv. platformas<\/strong> &#8211; ,,BuyBack&#8221; garantija, arba u\u017estato apsauga.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pabaigai\">Pabaigai<\/h2>\n\n\n\n<p>Tad prie\u0161 renkantis taupom\u0105j\u0105 s\u0105skait\u0105, b\u016btinai perskaitykite m\u016bs\u0173 pateikt\u0105 informacij\u0105 apie ind\u0117lius, j\u0173 palyginimus, patarimus, kaip pasirinkti jums geriausi\u0105 ir tinkamiausi\u0105 ind\u0117l\u012f, bei \u012f k\u0105 reikia atkreipti d\u0117mes\u012f.<\/p>\n\n\n\n<p>S\u0117km\u0117s &#8220;auginant&#8221; pinigus!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apie sud\u0117tines pal\u016bkanas Kuo ilgiau &#8211; tuo pelningiau Ind\u0117liai yra daug pelningesni ilguoju laikotarpiu. Net jei j\u016bs nepadidinsite ind\u0117lio sumos,\u2026 <\/p>\n","protected":false},"author":100,"featured_media":30240,"parent":2280,"menu_order":0,"comment_status":"closed","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},"categories":[35],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/619"}],"collection":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/users\/100"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/comments?post=619"}],"version-history":[{"count":50,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/619\/revisions"}],"predecessor-version":[{"id":42341,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/619\/revisions\/42341"}],"up":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/pages\/2280"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media\/30240"}],"wp:attachment":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media?parent=619"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/categories?post=619"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/tags?post=619"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}