{"id":18335,"date":"2022-08-18T01:34:15","date_gmt":"2022-08-17T23:34:15","guid":{"rendered":"https:\/\/startco.ro\/blog\/?p=18335"},"modified":"2023-04-28T23:40:51","modified_gmt":"2023-04-28T21:40:51","slug":"ce-este-dobanda-compusa-compound-interest","status":"publish","type":"post","link":"https:\/\/startco.ro\/blog\/ce-este-dobanda-compusa-compound-interest\/","title":{"rendered":"Ce este \u0219i cum func\u021bioneaz\u0103 dob\u00e2nda compus\u0103 (compound interest)"},"content":{"rendered":"\n<p><em>\u201eDob\u00e2nda compus\u0103 este a opta minune a lumii. Cine o \u00een\u021belege, o c\u00e2\u0219tig\u0103. Cine nu, o pl\u0103te\u0219te.\u201d <\/em>&#8211; Albert Einstein<\/p>\n\n\n\n<p>Potrivit celor spuse de Albert Einstein, dob\u00e2nda compus\u0103 este una dintre cele mai mari for\u021be din univers. Ce o face magic\u0103? Afl\u0103 din acest articol ce este \u0219i cum func\u021bioneaz\u0103 dob\u00e2nda compus\u0103, \u0219i cum te poate face mai bogat, mai inteligent \u0219i mai bun \u00een orice.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Cuprins<\/h2><ul><li><a href=\"#h-dobanda-compusa-prin-ochii-lui-einstein\" data-level=\"2\">Dob\u00e2nda compus\u0103 prin ochii lui Einstein<\/a><\/li><li><a href=\"#h-ce-inseamna-dobanda-compusa\" data-level=\"2\">Ce \u00eenseamn\u0103 dob\u00e2nda compus\u0103?\u00a0<\/a><\/li><li><a href=\"#h-cand-\u0219i-unde-se-aplica-dobanda-compusa\" data-level=\"2\">C\u00e2nd \u0219i unde se aplic\u0103 dob\u00e2nda compus\u0103?<\/a><\/li><li><a href=\"#h-dobanda-compusa-in-investi\u021bii\" data-level=\"2\">Dob\u00e2nda compus\u0103 \u00een investi\u021bii<\/a><\/li><li><a href=\"#h-dobanda-compusa-in-business\" data-level=\"2\">Dob\u00e2nda compus\u0103 \u00een business<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-dobanda-compusa-prin-ochii-lui-einstein\">Dob\u00e2nda compus\u0103 prin ochii lui Einstein<\/h2>\n\n\n\n<p>Einstein a catalogat dob\u00e2nda compus\u0103 ca fiind cea mai mare inven\u021bie a omului \u0219i a opta minune a lumii. De ce este considerat\u0103 o minune? Pentru c\u0103&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>aplicat\u0103 \u00een business \u0219i investi\u021biilor tale, \u00ee\u021bi poate cre\u0219te finan\u021bele \u0219i astfel te va face mai bogat \u0219i prin urmare mai \u00eencrez\u0103tor \u00een afaceri<\/li>\n\n\n\n<li>\u00een plus, aplicat\u0103 \u00een celelalte aspecte ale vie\u021bii te poate face mai inteligent \u0219i mai bun.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ce-inseamna-dobanda-compusa\">Ce \u00eenseamn\u0103 dob\u00e2nda compus\u0103?&nbsp;<\/h2>\n\n\n\n<p>Dob\u00e2nda compus\u0103 (compound interest \u00een englez\u0103) este un termen frecvent folosit \u00een mediul de afaceri, fie c\u0103 vorbim despre investi\u021bii sau afaceri \u00een sine. Un aspect mai pu\u021bin cunoscut este c\u0103 dob\u00e2nda compus\u0103 influen\u021beaz\u0103 nu doar finan\u021bele, ci \u0219i alte aspecte ale vie\u021bii.&nbsp;<\/p>\n\n\n\n<p><strong>A\u0219adar, ce este dob\u00e2nda compus\u0103?&nbsp;<\/strong><\/p>\n\n\n\n<p>Dob\u00e2nda compus\u0103 este c\u00e2\u0219tigul pe care \u00eel ob\u021bii din dob\u00e2nzi. Asemenea unui bulg\u0103re de z\u0103pad\u0103, dob\u00e2nda c\u00e2\u0219tigat\u0103 se va ad\u0103uga la soldul principal, aduc\u00e2nd \u00een continuare c\u00e2\u0219tiguri din dob\u00e2nzi. Iat\u0103 cum se \u00eent\u00e2mpl\u0103:<\/p>\n\n\n\n<p><strong>Cum func\u021bioneaz\u0103?<\/strong><\/p>\n\n\n\n<p><strong>Cu un cont de economii pentru care c\u00e2\u0219tigi dob\u00e2nd\u0103 compus\u0103, c\u00e2\u0219tigi dob\u00e2nd\u0103 la principalul ini\u021bial plus dob\u00e2nda care se acumuleaz\u0103 \u00een timp. Iat\u0103 \u0219i exemplificarea cu cifre:<\/strong><\/p>\n\n\n\n<p><em>Maria a deschis un cont de economii \u00een care a depus 1000 Euro pentru care prime\u0219te 1% dob\u00e2nd\u0103 anual\u0103. Astfel, la sf\u00e2r\u0219itul primului an, Maria va c\u00e2\u0219tiga 10 Euro \u00een dob\u00e2nd\u0103, \u0219i astfel va avea \u00een cont suma de 1010 Euro (principal plus dob\u00e2nd\u0103).<\/em><\/p>\n\n\n\n<p><em>Datorit\u0103 dob\u00e2nzii compuse, \u00een anul doi va c\u00e2\u0219tiga 1% din 1010 Euro &#8211; principalul plus dob\u00e2nda.&nbsp;<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cand-\u0219i-unde-se-aplica-dobanda-compusa\">C\u00e2nd \u0219i unde se aplic\u0103 dob\u00e2nda compus\u0103?<\/h2>\n\n\n\n<p>Cel mai des \u00eent\u00e2lnim dob\u00e2nda compus\u0103 \u00een domeniul financiar, dar se aplic\u0103 \u00een toate domeniile importante:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u00een investi\u021bii<\/li>\n\n\n\n<li>\u00een acumularea de cuno\u0219tin\u021be<\/li>\n\n\n\n<li>\u00een afaceri<\/li>\n\n\n\n<li>\u00een atingerea oric\u0103rui obiectiv mai ambi\u021bios:\n<ol class=\"wp-block-list\">\n<li>avansarea \u00een carier\u0103<\/li>\n\n\n\n<li>schimbare personal\u0103<\/li>\n\n\n\n<li>atingerea unui nivel excelent de s\u0103n\u0103tate \u0219i vitalitate<\/li>\n\n\n\n<li>construirea unui brand (personal sau al unui produs) etc.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-dobanda-compusa-in-investi\u021bii\">Dob\u00e2nda compus\u0103 \u00een investi\u021bii<\/h2>\n\n\n\n<p>Dob\u00e2nda compus\u0103 are un rol esen\u021bial \u00een investi\u021bii. Cu ajutorul dob\u00e2nzii compuse, po\u021bi transforma sume mici de bani \u00een sume semnificative \u00eentr-un timp relativ scurt.&nbsp;<\/p>\n\n\n\n<p>Exemplu:&nbsp;<\/p>\n\n\n\n<p><em>Dac\u0103 ai investi 1.000 Euro cu o dob\u00e2nd\u0103 simpl\u0103 anual\u0103 de 7% pentru o perioad\u0103 de cinci ani, ai ob\u021bine 350 Euro dup\u0103 anul cinci (70 Euro pe an x \u200b\u200b5 ani).<\/em>&nbsp;<\/p>\n\n\n\n<p><em>Pe de alt\u0103 parte, cu ajutorul dob\u00e2nzii compuse vei c\u00e2\u0219tiga dob\u00e2nd\u0103 nu doar pentru investi\u021bia principal\u0103, ci \u0219i pentru dob\u00e2nda care se va acumula ulterior<\/em>:<em> 1.000 x (1,07)^5 = 1.402<\/em>. <em>Astfel, dup\u0103 5 ani ai avea \u00een plus 402 Euro.<\/em><\/p>\n\n\n\n<p><strong>Observa\u021bie: <\/strong>Diferen\u021ba dintre dob\u00e2nda compus\u0103 \u0219i dob\u00e2nda simpl\u0103 se observ\u0103 cel mai mult pe perioade lungi de timp. De exemplu, dac\u0103 \u00een loc de 5 ani am vorbi de 15 ani diferen\u021ba dintre dob\u00e2nda simpl\u0103 \u0219i dob\u00e2nda compus\u0103 ar fi mult mai mare:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>dob\u00e2nd\u0103 simpl\u0103: 1000 x 0.7 x 15 = 1050<\/em><\/li>\n\n\n\n<li><em>dob\u00e2nd\u0103 compus\u0103: 1000 x (1,07)^15 = 2757<\/em>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-dobanda-compusa-in-business\">Dob\u00e2nda compus\u0103 \u00een business<\/h2>\n\n\n\n<p>La fel ca \u0219i \u00een cazul investi\u021biilor, dob\u00e2nda compus\u0103 vine cu o serie de beneficii pentru <a href=\"https:\/\/startco.ro\" target=\"_blank\" rel=\"noreferrer noopener\">antreprenori<\/a>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>po\u021bi ob\u021bine libertatea \u0219i independen\u021ba financiar\u0103 dorit\u0103&nbsp;<\/li>\n\n\n\n<li><strong>te ajut\u0103 s\u0103 generezi noi venituri, \u00een scopul maximiz\u0103rii profitului<\/strong><\/li>\n\n\n\n<li>reprezint\u0103 o surs\u0103 bun\u0103 de venituri pasive.<\/li>\n<\/ol>\n\n\n\n<p><strong>Cum te ajut\u0103 dob\u00e2nda compus\u0103 \u00een maximizarea profitului?<\/strong><\/p>\n\n\n\n<p>Un exemplu potrivit pentru cre\u0219terea profitului \u00eel reprezint\u0103 reinvestirea dividendelor. Mai exact, \u00een loc s\u0103 repartizezi dividendele le po\u021bi reinvesti \u00een dezvoltare. Investind o sum\u0103 mai mare, care include profiturile generate \u00een anul anterior, se creeaz\u0103 efectul de compounding, care va duce la ob\u021binerea unui profit mai mare \u00een anul urm\u0103tor. Astfel, dividendele care vor putea fi distribuite anul urm\u0103tor vor fi considerabil mai mari. A\u0219a cum dob\u00e2nda reinvestit\u0103 cre\u0219te de la an la an (c\u00e2\u0219tigi dob\u00e2nd\u0103 la dob\u00e2nd\u0103), la fel e \u0219i cu profitul nerepartizat \u0219i reinvestit. <\/p>\n\n\n\n<p>Profitul va cre\u0219te garantat cu ajutorul dob\u00e2nzii compuse, trebuie doar s\u0103 ai r\u0103bdare \u0219i s\u0103 aloci timpul necesar. Vei vedea c\u0103 cele mai mari c\u00e2\u0219tiguri pentru afacerea ta&nbsp; vor veni la sf\u00e2r\u0219itul perioadei de capitalizare. De altfel, indiferent de domeniu, trebuie s\u0103 \u0219tii c\u0103 orice obiectiv va putea fi atins numai dac\u0103 te \u00eenarmezi cu perseveren\u021b\u0103, ac\u021biuni mici \u0219i constante \u0219i mult\u0103 r\u0103bdare. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Afl\u0103 din acest articol ce este \u0219i cum func\u021bioneaz\u0103 dob\u00e2nda compus\u0103, \u0219i cum te poate face mai bogat, mai inteligent \u0219i mai bun \u00een orice.\u00a0<\/p>\n","protected":false},"author":3,"featured_media":18336,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[373,375],"tags":[22,23],"class_list":["post-18335","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contabilitate-si-legislatie","category-cum-administrezi-firma","tag-antreprenor","tag-antreprenoriat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.5 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ce este dob\u00e2nda compus\u0103 (compound interest)<\/title>\n<meta name=\"description\" content=\"Afl\u0103 din acest articol ce este \u0219i cum func\u021bioneaz\u0103 dob\u00e2nda compus\u0103, \u0219i cum te poate face mai bogat, mai inteligent \u0219i mai bun \u00een orice.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/startco.ro\/blog\/ce-este-dobanda-compusa-compound-interest\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce este \u0219i cum func\u021bioneaz\u0103 dob\u00e2nda compus\u0103 (compound interest)\" \/>\n<meta property=\"og:description\" content=\"Afl\u0103 din acest articol ce este \u0219i cum func\u021bioneaz\u0103 dob\u00e2nda compus\u0103, \u0219i cum te poate face mai bogat, mai inteligent \u0219i mai bun \u00een orice.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/startco.ro\/blog\/ce-este-dobanda-compusa-compound-interest\/\" \/>\n<meta property=\"og:site_name\" content=\"StartCo\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/StartCo.ro\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-17T23:34:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-28T21:40:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/startco.ro\/blog\/wp-content\/uploads\/StartCo-1-min.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1640\" \/>\n\t<meta property=\"og:image:height\" content=\"924\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Viviana Popa\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@StartCo_ro\" \/>\n<meta name=\"twitter:site\" content=\"@StartCo_ro\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Viviana Popa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/startco.ro\/blog\/ce-este-dobanda-compusa-compound-interest\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/startco.ro\/blog\/ce-este-dobanda-compusa-compound-interest\/\"},\"author\":{\"name\":\"Viviana Popa\",\"@id\":\"https:\/\/startco.ro\/blog\/#\/schema\/person\/1bbe96e8a4b59db8234afc52bd99005c\"},\"headline\":\"Ce este \u0219i cum func\u021bioneaz\u0103 dob\u00e2nda compus\u0103 (compound interest)\",\"datePublished\":\"2022-08-17T23:34:15+00:00\",\"dateModified\":\"2023-04-28T21:40:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/startco.ro\/blog\/ce-este-dobanda-compusa-compound-interest\/\"},\"wordCount\":882,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/startco.ro\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/startco.ro\/blog\/ce-este-dobanda-compusa-compound-interest\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/startco.ro\/blog\/wp-content\/uploads\/StartCo-1-min.png\",\"keywords\":[\"antreprenor\",\"antreprenoriat\"],\"articleSection\":[\"Contabilitate &amp; 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