Apa Itu Faedah Kompaun?
Faedah kompaun dikira atas modal awal dan faedah terkumpul. Mewujudkan kesan bola salji.
In crypto, compound interest applies to staking rewards, DeFi yield farming, lending protocols, and savings accounts. Even small APY differences compound into massive gains over 5–10 years.
In crypto, compound interest applies to staking rewards, DeFi yield farming, lending protocols, and savings accounts. Even small APY differences compound into massive gains over 5–10 years.
Formula
Formula faedah kompaun standard:
Formula + Sumbangan Bulanan
Peraturan 72
The Rule of 72 is a quick mental shortcut: divide 72 by your interest rate to estimate how many years it takes to double your money.
At 8% APY, your money doubles in ~9 years. At 12%, ~6 years. At 20%, ~3.6 years. This is why even small rate improvements matter enormously over time.
Perbandingan kekerapan
$10,000 pada 8% APY selama 10 tahun:
| Kekerapan | Tempoh | $10,000 selepas 10 thn |
|---|---|---|
| Tahunan | 1/yr | $21,589.25 |
| Suku tahunan | 4/yr | $22,080.40 |
| Bulanan | 12/yr | $22,196.40 |
| Mingguan | 52/yr | $22,241.73 |
| Harian | 365/yr | $22,253.46 |
Staking Kripto & Hasil DeFi
Kripto menawarkan kadar faedah kompaun tertinggi:
| Aset | APY Tipikal | Jenis |
|---|---|---|
| ETH (Ethereum) | 3–5% | Proof of Stake |
| SOL (Solana) | 6–8% | Proof of Stake |
| DOT (Polkadot) | 12–18% | Proof of Stake |
| USDT/USDC | 5–10% | Pinjaman DeFi |
| ATOM (Cosmos) | 15–22% | Proof of Stake |
Kesilapan Biasa
Mengabaikan yuran gas
Yuran gas boleh memakan 1–3% pulangan tahunan.
Tidak mengira impermanent loss
APY 50% tak bermakna jika hilang 30% dari IL.
Menganggap APY tetap
Hasil DeFi sangat berubah-ubah.
Soalan Lazim
Apa beza APR dan APY?
APR ialah kadar tahunan mudah. APY termasuk kesan pengkompaunan.
How often should I compound?
More frequent is better: daily > monthly > annually. In DeFi, auto-compounding protocols handle this for you. In traditional staking, restake rewards as often as practical.
Is compound interest guaranteed in crypto?
No. Crypto yields are variable and carry smart contract risk, protocol risk, and market risk. Staking rewards are more predictable than DeFi yields.
Adakah kalkulator ini mengira cukai?
Tidak. Ganjaran staking biasanya dikenakan cukai.
Bolehkah rugi dengan faedah kompaun?
Pengkompaunan sendiri tidak rugi, tetapi aset asas boleh jatuh nilai.
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