12.1 كتاب تفاعلي مع اختبار - فهم الاهتمامات

أهداف تعلم الدرس:

  • Principal & Interest – Know the principal you deposit and the اهتمام the bank adds, and see how both grow over time.

  • القاعدة 72 – Use the simple 72 ÷ interest rate formula to estimate how many years it takes your money to double.

  • Simple vs. Compound Interest - يقارن فائدة بسيطة earned only on the principal with الفائدة المركبة that earns on interest too.

  • Asset Choices & Risk - تعريف bank deposits, stocks, bonds, mutual funds, real estate, commodities and match each to its typical risk and reward level.

معلومات الدرس الرئيسية:

  • Higher Interest = Faster Growth – A bigger سعر الفائدة lets savings reach goals sooner.

  • Compound Interest Snowballs – Earning interest on interest accelerates growth the longer you save.

  • القاعدة 72 – Quick math shows doubling time; e.g., 6 % ≈ 12 years to double.

  • Match Assets to Goals – Balance risk vs. reward by mixing safe bank deposits with higher-return options like stocks or mutual funds.
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