Eli nqaku likhokela kwaye libonelela ngolwazi olubanzi malunga neReturn on Investment (ROI).
Imbuyekezo kuTyalo-mali okanye i-ROI kukunyuka okanye ukuhla kwepesenti yotyalo-mali phakathi konyaka. Abatyali mali, abanini zeshishini, kunye noosomashishini basebenzisa i-ROI ukumisela eyona nzuzo ibuyisela isivuno sotyalo-mali.
Yintoni iMbuyiselo kuTyalo-mali?
Imbuyekezo kutyalo-mali sisimethrikhi yezemali ukulinganisa ukuba nokwenzeka kwengeniso esuka kutyalo-mali. Ngumlinganiselo ohlola ukuthelekisa inzuzo kunye nelahleko evela kutyalo-mali olunxulumene neendleko zalo.
I-ROI ibalulekile ekwazini iingeniso ezinokubakho kutyalo-mali. Ngale nto abatyali-mali banokuluvavanya utyalo-mali lwabo kwaye baqinisekise ukusebenza kwabo Ukuba utyalo-mali luvelise imbuyekezo eninzi kunabanye. Njengomtyali-mali okanye usomashishini, xa utyala imali iReturn on Investment ikunceda ukuba uqonde ngcono iingeniso kunye nelahleko eyenziwe kutyalo-mali.
I-ROI ibonakaliswa ngokwepesenti, eyenza ukuba uthelekise inzuzo kunye nokusebenza kotyalo-mali olulolunye olwahlukeneyo.
Kwezinye iimeko utyalo-mali ukwenza imbuyekezo entle kutyalo-mali lunokuba yingozi, njengoko kukho iingozi zokwenza i-ROI engalunganga. Uninzi lwabatyali-mali kunye nabanini bamashishini bafuna utyalo-mali olusebenzayo kunye ne-ROI elungileyo.
Funda kwakhona: Izitokhwe zeMfundo ekwi-Intanethi eBalaseleyo: Fumana esona siDili
Ukubala i-ROI (iindlela ezine ezahlukeneyo)
Kukho iindlela ezahlukeneyo zokubala i-ROI, nganye inenjongo yayo ekhethekileyo. Abatyali-mali kunye noosomashishini ababala imbuyekezo enengeniso kutyalo-mali basebenzisa enye yezi ndlela, kuxhomekeke kwizinto abazikhethayo.
1. Indlela yeNgeniso yeNet
The ifomula esisiseko kwingeniso eshiyekileyo kulula ukuyisebenzisa. Konke okufuneka ukwazi lixabiso leendleko ezityalwe kunye nexabiso elipheleleyo lengeniso evela kutyalo-mali.
I-ROI ={Ingeniso/Ixabiso}×100%
Umzekelo ocacileyo. Ingeniso: $7,000 Iindleko: $5,000.
ROI={$7,000/$5,000}/100 =140% ROI.
2. Indlela yokufumana inkunzi
Ukuba ngumtyali-mali le ndlela yenza ukuba ubale i-ROI yakho. ROI ={Ingeniso-Iindleko}/Ixabiso ×100.
ROI={$7,000-$5,000}/$5,000×100=40% ROI.
3. Indlela yokuBuyisa iyonke
Le ndlela yenza ukuba abatyali-mali babale i-ROI kwizabelo. ROI =(Ixabiso lesabelo sangoku + Itotali yezabelo ezifunyenweyo – ixabiso lesabelo sokuqala)/Ixabiso lokuqala×100.
ROI= (15+1.5-10)/10×100=65%.
Funda kwakhona: 23 Iimviwo zeSiqinisekiso seSimahla se-Intanethi
4. I-ROI yoNyaka
Abatyalomali kunye noosomashishini banokusebenzisa le ndlela yokubala i-ROI, eqwalasela ixesha lexesha lokutshala imali ngonyaka. Le fomula intsonkothile ngakumbi kunezinye. Njengomtyali-mali kufuneka ubale inzuzo yakho ye-ROI kwaye uqaphele inani leminyaka utyalo-mali olubanjwe ngalo.
ROI=[((1+Capital gain ROI)^1/n)-1]×100. I-n imele inani leminyaka yotyalo-mali olubanjwayo.
ROI=[(1+0.4)¼-1]×100=8.7%. Ezi fomula ngamanye amaxesha zibhetyebhetye kakhulu kwaye zinokusetyenziswa ngeendlela ezahlukeneyo. I-ROI ingaba lula kwaye inzima ixesha elininzi.
Buyela kwiiFomula zoTyalo-mali (Awona manyathelo okubala)
Ukuba awuqhelananga nendlela yokubala i-ROI, landela la manyathelo alula.
Kwi-ROI, kukho iNgeniso, iindleko, kunye nepesenti ye-ROI. Ingeniso yimali eyongezelelweyoImali ibandakanya iindleko ozityalileyo kunye nembuyekezo, ngelixa Iindleko ziyimali oyityalile. Siza kuqwalasela ipesenti ye-ROI ekupheleni.
Okokuqala, thabatha iindleko kwingeniso, ekunika "imbuyekezo yembuyekezo". Nje ukuba uwazi amaxabiso enzuzo eshiyekileyo, yahlule ngexabiso kwaye uphindaphinde ixabiso elinikiweyo nge-100.
ROI=(Ingeniso-Iindleko)/Ixabiso×100. Oku kukunika i-ROI pesenti. Imbuyekezo kwi-Invested Capital (ROIC) lelinye ixesha abatyali-mali ekufuneka baliqaphele. Imbuyekezo kwimali eyinkunzi etyaliwe yinto ekhethwa ziinkampani, hayi kubatyali-mali.
I-ROIC ngumlinganiselo phakathi kweNzuzo yokuSebenza emva kweRhafu (NOPAT) kunye nenkunzi etyaliwe. Ifomula ye-ROIC ichazwa njenge-ROIC=NOPAT/inkunzi etyaliweyo.
Indlela yokubala i-ROI
Njengomtyali-zimali okanye usomashishini, masicinge ukuba uthenge izabelo ezili-100 nge-$5 ngesabelo ngasinye iindleko zakho zotyalo-mali zizonke zii-$500. Ngethamsanqa ukuba isitokhwe besiya kunyuka ukuya kwi-7 yeedola ngesabelo ngasinye kwaye uthathe isigqibo sokuthengisa izabelo, ixabiso lakho lotyalo-mali liyi-700 yeedola ebonisa imbuyekezo enenzuzo.
Ukuvavanya imbuyekezo yakho kwipesenti yotyalo-mali, sebenzisa ifomula. ROI=(Ixabiso lilonke lesabelo-ixabiso lesabelo lilonke)/Ixabiso lokuqala lilonke lesabelo ×100. ROI=($700-$500)/$500×100=40% ROI. Oku kuthetha ukuba wenze i-40% ye-ROI, ethathwa njenge-ROI enenzuzo kulo lonke utyalo-mali.
Isinyathelo esifanayo sisebenza kumtyalo-mali otyale i-$ 1,000 kwaye emva konyaka utyalo-mali luvelisa imbuyekezo ye-1,300 yeedola. Ngala manyathelo alula Ifomula ye-ROI, abatyali-mali banokuvavanya ipesenti yabo ye-ROI. ROI = ( $ 1,300 $ 1,000) / $ 1,000 × 100 = 30% ROI.
Abatyalomali kunye neenkampani banokumisela i-ROI ekujoliswe kuyo, exhomekeke kakhulu kumngcipheko wotyalo-mali okanye ubunzima beprojekthi.
Funda kwakhona: AmaGqwetha angama-20 aPhakamileyo eMhlabeni | Konke Okufuneka Ukwazi
Isetyenziselwa ntoni iROI?
Abatyalomali kunye nabanikazi bamashishini banokusebenzisa i-ROI ukuvavanya izigqibo ezahlukeneyo zotyalo-mali, ngokuthelekisa izicwangciso zotyalo-mali kwi-ROI kunye neendleko zokuqala zotyalo-mali. Oku kunceda abatyali-zimali ukuba bakhethe ngenzuzo utyalo-mali olunye kunolunye. Amashishini aphinda avavanye utyalo-mali lwexesha elizayo esebenzisa izibalo ze-ROI. Oku kwenzelwa ukuthintela nakuphi na ukusilela kwemali.
Yintoni iROI elungileyo?
Ukuhamba ngezibalo zoBulumko obuQhelekileyo i-7% nangaphezulu njenge-ROI yonyaka ithathwa njenge-ROI elungileyo kutyalo-mali lwesitokhwe. Oku kukwabandakanya imbuyekezo ye-avareji yonyaka ye-S&P 500, ebangela ukunyuka kwamaxabiso.
Buyela kuMzekelo wokubalwa koTyalo-mali
Ngokomzekelo, masicinge ukuba inkampani ichithe i-$20,000 kwiphulo elitsha lentengiso, elivelise imbuyekezo ye-100,000 yeedola kwiintengiso. Ukubala i-ROI kwenziwa ngokulula. ROI = ($ 100,000-$20,000)/$20,000 × 100 = 400% ROI.
Le yipesenti enkulu kakhulu ye-ROI. Inkampani ene-ROI ephezulu eyenziwe kwiprojekthi itsala abatyali-mali abaninzi kunye noosomashishini.
Iinzuzo zokusebenzisa i-ROI
I-ROI izalisekise ukulindela kwayo okuphezulu ukuqikelela inzuzo kunye nempumelelo kutyalo-mali. I-ROI isasaza ingeniso eshiyekileyo kwiprojekthi ukubonisa ukuba ngaba inkampani kufuneka iqhubeke inika izixhobo zayo kwiprojekthi ethile.
Enye yeenzuzo ezinkulu zembuyekezo kutyalo-mali kukuba, inokusetyenziswa ekuncedeni abatyali-mali kunye noosomashishini ukuba bahlalutye iindawo zotyalo-mali ezivelisa imbuyekezo enkulu. Oku kusebenza kakhulu ekuncedeni abatyali-mali ukuba benze olona khetho lungcono kutyalo-mali.
Ukubala i-ROI kulula, ngokusekelwe kumanyathelo alula abandakanyekayo. Kubanini bamashishini, ukubala i-ROI ngumsebenzi olula usebenzisa ukubamba ixabiso lemarike.
Imida yokusebenzisa i-ROI
Ukukwazi ukubalwa ngeendlela ezahlukeneyo ngenye yemida ye-ROI. Makhe sithathe imeko apho imbuyekezo yentsalela inokulinganiswa njengengeniso eshiyekileyo okanye kwiimeko ezininzi, intengiso.
Ngaphezu koko, i-ROI ayijongi ixesha lotyalo-mali, eliye lachazwa njengento engalunganga. Masithathe i-100% ye-ROI ekhangayo kwaye etyebileyo engcono kune-ROI ye-20%.
Ukuba ixesha lokuvelisa i-100% ROI iminyaka emi-5 kunye nenyanga ukuvelisa i-20%. Ubalo olusisiseko lwe-ROI lunokwenza kube nzima kuwe ukuqiniseka ukuba loluphi utyalo-mali obelona lungcono.
Ukutolika iMbuyiselo kuTyalo-mali (ROI)
Uninzi lwabafundi abangafundanga abafuna ukungena kutyalo-mali badla ngokubuza ukuba "yithini imbuyekezo kutyalo-mali"?. Le mibuzo ifuna impendulo eyanelisayo kodwa eyona nto ibaluleke kakhulu ukutolika i-ROI iya kunika ukuqonda okungcono.
Inkcazo elula ye-ROI ihleli, ukuba i-ROI iyimetriki esetyenziswa ngokuqhelekileyo ukulinganisa inzuzo kunye nelahleko utyalo-mali oluvelisa ngokumalunga neendleko zotyalo-mali.
Ngoko ukutolika i-ROI kunika iinkcukacha ezibanzi malunga notyalo-mali olunenzuzo okanye olungenanzuzo. Ii-equations kwi-ROI zisebenzisa "net return" kune "net profit" oku kudla ngokusetyenziswa kuba utyalo-mali oluninzi lunokuvelisa imbuyekezo engalunganga endaweni yembuyekezo eqinisekileyo elindelekileyo.
Oku kusithatha kumnyama kwaye kubomvu kubonisa imbuyekezo elungileyo kunye nembi kwi-ROI kutyalo-mali. Ukuba i-ROI yakho iqinisekile, oko kuthetha ukuba umnyama, isalathiso esibonisa ukuba imbuyekezo yakho iyonke inkulu kuneendleko zakho zizonke.
Kwimeko apho une-ROI engalunganga, ethetha ngokuthe ngqo ukuba ubomvu kwaye imbuyekezo yakho iyonke ingaphantsi kweendleko zakho zizonke. Eli lishishini elibi kuwe kuba isizathu sokuba utyale imali ibikukwenza imbuyekezo entle kunokuba ungabuyi kwaphela.
Eminye imibuzo efana nokuba "yintoni i-ROI elungileyo isabuzwa ngokubanzi. Kuxhomekeke ngokungqongqo kwishishini lakho nakwishishini.
Njengomtyalo-mali, i-15% ye-ROI ithathwa njengexabiso elifanelekileyo. Kubatyalomali kwimarike yedijithali, i-118% emangalisayo yi-ROI ephakathi.
Ixabiso lepesenti elingentla libonisa umahluko omkhulu kwi-ROI, apho ukuthengiswa kwedijithali kunomlinganiselo ophezulu. Abatyali-zimali kunye nabanini bamashishini akufuneki bakhethe utyalo-mali ngokungenamkhethe. Ukwazi umgangatho weshishini lakho kubalulekile.
Izibonelelo kunye neeNtsilelo zokusebenzisa i-ROI
I-ROI yeyona ndlela ilula yokulinganisa ipesenti yenzuzo evela kutyalo-mali kwaye iqulethe izibonelelo ezininzi.
- Ukubala ngokulula
- Abatyali-zimali be-Aids bamisela iinjongo kwiiprojekthi zangoku nezexesha elizayo
- Kulula ukuqonda zombini iingcaphephe kunye nabangafundanga
- Ikhokela abatyali-mali ukuba baqikelele imbuyekezo enokubakho kwixesha elizayo
- Isebenza ukulinganisa impumelelo yeeprojekthi
- Kuyanceda ekukhetheni ithuba lotyalo-mali olwahlukileyo, ukubonelela ngamanani acacileyo ekwenzeni isigqibo esilungileyo
- Ingasetyenziselwa ukubala kunye nokuthelekisa imbuyekezo yangaphambili apho abatyali-mali abancedisayo bahlolisise izinga le-ROI yangaphambili yotyalo-mali kunye nokusebenza ukuba ngaba lutyalo-mali olunokuthi luqwalaselwe.
I-ROI inokunceda abatyali-mali ekwenzeni izigqibo zotyalo-mali, ukumisela utyalo-mali olungcono kunye nembuyekezo enenzuzo. Icala elinye elisezantsi ekubaleni i-ROI lixesha, ngaphandle kwendlela yokubuya yonyaka. Njengomphumo wokuba neefomyula ezininzi ezahlukeneyo ekubaleni i-ROI, amaxesha amaninzi kuye kuvele ukubhideka.
Ukucinga ukuba inkampani ibala i-ROI yayo ngefomula ethile, umtyali-mali, kwelinye icala, unokusebenzisa ifomula eyahlukileyo ukubala kwaye ngokwenza oko iziphumo zokufumana ipesenti eyahlukileyo. Oku kukhokelela kuhlobo oluthile lwesiphithiphithi phakathi kweenkampani kunye nabatyali-zimali.
Ukuthintela ukubhideka okunjalo ukuba kwenzeke, inkampani kunye nabatyali-mali kufuneka basebenzise ifomula efanayo ukubala
ROI
Ukubaluleka kwe-ROI
Abatyalomali kunye noosomashishini bahlala benomdla wokwandisa ukukhula kwamashishini abo ngemali. I-ROI isoloko isetyenziselwa ukuvavanya inzuzo ye-outlay. Ihlalutya ithemba lempumelelo kulo naliphi na ishishini kwithuba elithile, kunye nokwenza izigqibo malunga nokukhethwa kotyalo-mali olunokubakho.
Ukukwazi ukubala i-ROI kulixabiso elikhulu kulo naliphi na ishishini nokuba leliphi ishishini okanye ubungakanani. Ukwazi ukuba iimali ozityalileyo zinokuvelisa imbuyekezo entle kusisiqabu kwaye kusenokubakho ukwanda kwezemali.
Ukuba ngumtyalo-mali okanye usomashishini, unokubala i-ROI yakho ngokugqibeleleyo. Unokuqonda ngcono indlela ishishini lakho elenza ngayo inkqubela, kunye neendawo ezifuna ingqalelo engxamisekileyo ukuze uphucule ngokwemali. Ukuphuhlisa esi sicwangciso soshishino kuya kunceda kakhulu ekuphumezeni iinjongo zakho zemali.
isiphelo
Ukuba nolwazi olubanzi malunga ne-ROI kukubhentsisa kutyalo-mali olunokuba nengeniso. Abatyalomali kunye nabanini bamashishini kufuneka balumkele utyalo-mali nge-ROI ethandabuzekayo.
Ukukhusela inkululeko yezemali yeyona nto iphambili kubatyali-mali kunye noosomashishini ngokufanayo, hayi nje loo nto, kodwa nokukhetha eyona pesenti ye-ROI kulo lonke utyalo-mali.
Ngaphandle kwemida ye-ROI engaqwalaselwanga ngexesha lembuyekezo, i-ROI iseluncedo ekuvavanyeni utyalo-mali.
Iingxelo:
- https://seekingalpha.com/article/4475210-what-does-roi-mean
- https://www.investopedia.com/terms/r/returnoninvestment.asp
- https://www.techtarget.com/searchcio/definition/ROI
Shiya iMpendulo