12.1 ക്വിസ് സഹിതമുള്ള സംവേദനാത്മക പുസ്തകം - താൽപ്പര്യം മനസ്സിലാക്കൽ
പാഠ പഠന ലക്ഷ്യങ്ങൾ:
Principal & Interest – Know the principal you deposit and the താൽപ്പര്യം the bank adds, and see how both grow over time.
Rule of 72 – Use the simple 72 ÷ interest rate formula to estimate how many years it takes your money to double.
Simple vs. Compound Interest – Compare simple interest earned only on the principal with compound interest that earns on interest too.
Asset Choices & Risk – Identify bank deposits, stocks, bonds, mutual funds, real estate, commodities and match each to its typical risk and reward level.
പ്രധാന പാഠ വിവരങ്ങൾ:
Higher Interest = Faster Growth – A bigger പലിശ നിരക്ക് lets savings reach goals sooner.
Compound Interest Snowballs – Earning interest on interest accelerates growth the longer you save.
Rule of 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.