12.1 互动书与测验——理解兴趣

Principal & Interest – Know the principal you deposit and the 兴趣 the bank adds, and see how both grow over time.
72规则 – 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 复利 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.

Higher Interest = Faster Growth – A bigger 利率 lets savings reach goals sooner.
Compound Interest Snowballs – Earning interest on interest accelerates growth the longer you save.
72规则 – 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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