It is fundamentally wrong to think that only economists and businessmen should have the ability to calculate payback. Each family invests in apartments, houses, cars and bank deposits. All this can rise in price after a while and bring benefits to its owners. Therefore, you can talk about the return on investment with friends, colleagues, and neighbors on the staircase. And it is not surprising if they do not know the phrase "return on investment", because not everyone is given to be economists and businessmen.
It is necessary
- - calculator
- - a pen
- - paper
Instructions
Step 1
For domestic use, calculating the payback is extremely simple and straightforward. To calculate the payback, you need to divide the amount invested by the amount of profit. The resulting value will show the period of time during which the payback will come.
For example, we bought an apartment on the first floor of a residential building for 3,000,000 rubles. We spent another 600,000 rubles on repairs, bureaucratic procedures and the arrangement of the adjacent territory. After that, by submitting an advertisement, we rented this room to a tenant who will pay utility bills monthly and an amount of 40,000 rubles.
Thus, our investments amounted to 3,600,000 rubles. And the monthly profit from the project is 40,000 rubles. For a full return on investment, you will need to rent our premises for (3,600,000 / 40,000) 90 months, or 7.5 years.
Step 2
One more example. A friend invites us to start shipping. To do this, you will need a GAZelle car, which will have to be purchased. Suppose that the value of the monthly profit from cargo transportation after all the costs of repairs and fuel is expected to be about 40,000 rubles. Let's say we buy a used Gazelle for 300,000 rubles.
Thus, the return on investment will come in (300,000 / 40,000) 7.5 months of work.
Step 3
In addition, ROI can be compared by choosing more profitable opportunities. Let's compare the income from the GAZelle from the previous example with the income from a bank deposit at a rate of 10.5% per annum.
For simplicity of comparison, let's take the amount of the deposit equal to the cost of the GAZelle, 300,000 rubles Suppose, according to the bank's terms, interest is paid at the end of the term. Thus, after 1 year, the amount of our investments will increase by (300,000 * 10.5%) 31,500 rubles. And we will have 331,500 rubles in our hands.
For 12 months of work in cargo transportation, we will receive (40,000 * 12) 480,000 rubles. From a mathematical point of view, this means that in our examples it is more profitable to invest money in a freight transport, and not in a bank.
We hope that you will now make your financial decisions even more rationally.
