最新

何年間を何%で運用すると投資額が2倍になるか? 0.5%(年利)だと何年かかる?

よくファイナンシャルプランナーとかに聞く72の法則。

お金が2倍になる金利と期間の関係が簡単にわかる便利な算式。

 

「72÷金利=お金が2倍になる期間」となる。

たとえば72÷2(パーセント)=36年かかるというわけです。

しかし、5%では15年後になりますので、いつもこの式が成り立つわけではありません。

0.5%ならば何年なんでしょう?

 

【金利と時間の関係】

unnyou1

 

図は2%と5%で運用した時に、いつ2倍になるか、100万円が200万円になるかのグラフです。

2%のときは36年かかりますが、

5%のときは15年で到達します。

 

以下のような関係になっています。

リターン 必要年数
1% 70
2% 36
3% 24
4% 18
5% 15
6% 12
7% 11
8% 10
9% 9
10% 8

なんとなくですが、72に近いですね。金利が高くなってくるとズレてしまいますが。

 

いま最高でも定期預金では0.5%(年利)で最高水準ですが、複利で運用しても100万円が200万円になるには

139年で200万円を上回ります。(72の法則だと144年ですが・・)

ちょっと72の法則はずれていますが、ほぼあっている!?

 

1年定期で生きている間に2倍になってくれると助かりますが、いまは程遠いようです。

寿命が200年になればいいですが・・・・

株式も怖いですが、定期預金ではお金は増えず、インフレ目標を2%に設定して世の中が動いているので、もう少し高い利回りで

運用をしたいものです。

 

【金利と年数の関係表(複利)】

金利
年数 0.5% 2% 4% 5% 8%
スタート 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000
1 1,005,000 1,020,000 1,040,000 1,050,000 1,080,000
2 1,010,025 1,040,400 1,081,600 1,102,500 1,166,400
3 1,015,075 1,061,208 1,124,864 1,157,625 1,259,712
4 1,020,151 1,082,432 1,169,859 1,215,506 1,360,489
5 1,025,251 1,104,081 1,216,653 1,276,282 1,469,328
6 1,030,378 1,126,162 1,265,319 1,340,096 1,586,874
7 1,035,529 1,148,686 1,315,932 1,407,100 1,713,824
8 1,040,707 1,171,659 1,368,569 1,477,455 1,850,930
9 1,045,911 1,195,093 1,423,312 1,551,328 1,999,005
10 1,051,140 1,218,994 1,480,244 1,628,895 2,158,925
11 1,056,396 1,243,374 1,539,454 1,710,339 2,331,639
12 1,061,678 1,268,242 1,601,032 1,795,856 2,518,170
13 1,066,986 1,293,607 1,665,074 1,885,649 2,719,624
14 1,072,321 1,319,479 1,731,676 1,979,932 2,937,194
15 1,077,683 1,345,868 1,800,944 2,078,928 3,172,169
16 1,083,071 1,372,786 1,872,981 2,182,875 3,425,943
17 1,088,487 1,400,241 1,947,900 2,292,018 3,700,018
18 1,093,929 1,428,246 2,025,817 2,406,619 3,996,019
19 1,099,399 1,456,811 2,106,849 2,526,950 4,315,701
20 1,104,896 1,485,947 2,191,123 2,653,298 4,660,957
21 1,110,420 1,515,666 2,278,768 2,785,963 5,033,834
22 1,115,972 1,545,980 2,369,919 2,925,261 5,436,540
23 1,121,552 1,576,899 2,464,716 3,071,524 5,871,464
24 1,127,160 1,608,437 2,563,304 3,225,100 6,341,181
25 1,132,796 1,640,606 2,665,836 3,386,355 6,848,475
26 1,138,460 1,673,418 2,772,470 3,555,673 7,396,353
27 1,144,152 1,706,886 2,883,369 3,733,456 7,988,061
28 1,149,873 1,741,024 2,998,703 3,920,129 8,627,106
29 1,155,622 1,775,845 3,118,651 4,116,136 9,317,275
30 1,161,400 1,811,362 3,243,398 4,321,942 10,062,657
31 1,167,207 1,847,589 3,373,133 4,538,039 10,867,669
32 1,173,043 1,884,541 3,508,059 4,764,941 11,737,083
33 1,178,908 1,922,231 3,648,381 5,003,189 12,676,050
34 1,184,803 1,960,676 3,794,316 5,253,348 13,690,134
35 1,190,727 1,999,890 3,946,089 5,516,015 14,785,344
36 1,196,681 2,039,887 4,103,933 5,791,816 15,968,172
37 1,202,664 2,080,685 4,268,090 6,081,407 17,245,626
38 1,208,677 2,122,299 4,438,813 6,385,477 18,625,276
39 1,214,721 2,164,745 4,616,366 6,704,751 20,115,298
40 1,220,794 2,208,040 4,801,021 7,039,989 21,724,521
41 1,226,898 2,252,200 4,993,061 7,391,988 23,462,483
42 1,233,033 2,297,244 5,192,784 7,761,588 25,339,482
43 1,239,198 2,343,189 5,400,495 8,149,667 27,366,640
44 1,245,394 2,390,053 5,616,515 8,557,150 29,555,972
45 1,251,621 2,437,854 5,841,176 8,985,008 31,920,449
46 1,257,879 2,486,611 6,074,823 9,434,258 34,474,085
47 1,264,168 2,536,344 6,317,816 9,905,971 37,232,012
48 1,270,489 2,587,070 6,570,528 10,401,270 40,210,573
49 1,276,842 2,638,812 6,833,349 10,921,333 43,427,419
50 1,283,226 2,691,588 7,106,683 11,467,400 46,901,613
51 1,289,642 2,745,420 7,390,951 12,040,770 50,653,742
52 1,296,090 2,800,328 7,686,589 12,642,808 54,706,041
53 1,302,571 2,856,335 7,994,052 13,274,949 59,082,524
54 1,309,083 2,913,461 8,313,814 13,938,696 63,809,126
55 1,315,629 2,971,731 8,646,367 14,635,631 68,913,856
56 1,322,207 3,031,165 8,992,222 15,367,412 74,426,965
57 1,328,818 3,091,789 9,351,910 16,135,783 80,381,122
58 1,335,462 3,153,624 9,725,987 16,942,572 86,811,612
59 1,342,139 3,216,697 10,115,026 17,789,701 93,756,540
60 1,348,850 3,281,031 10,519,627 18,679,186 101,257,064
61 1,355,594 3,346,651 10,940,413 19,613,145 109,357,629
62 1,362,372 3,413,584 11,378,029 20,593,802 118,106,239
63 1,369,184 3,481,856 11,833,150 21,623,493 127,554,738
64 1,376,030 3,551,493 12,306,476 22,704,667 137,759,117
65 1,382,910 3,622,523 12,798,735 23,839,901 148,779,847
66 1,389,825 3,694,974 13,310,685 25,031,896 160,682,234
67 1,396,774 3,768,873 13,843,112 26,283,490 173,536,813
68 1,403,758 3,844,251 14,396,836 27,597,665 187,419,758
69 1,410,777 3,921,136 14,972,710 28,977,548 202,413,339
70 1,417,831 3,999,558 15,571,618 30,426,426 218,606,406
71 1,424,920 4,079,549 16,194,483 31,947,747 236,094,918
72 1,432,044 4,161,140 16,842,262 33,545,134 254,982,512
73 1,439,204 4,244,363 17,515,953 35,222,391 275,381,113
74 1,446,401 4,329,250 18,216,591 36,983,510 297,411,602
75 1,453,633 4,415,835 18,945,255 38,832,686 321,204,530
76 1,460,901 4,504,152 19,703,065 40,774,320 346,900,892
77 1,468,205 4,594,235 20,491,187 42,813,036 374,652,964
78 1,475,546 4,686,120 21,310,835 44,953,688 404,625,201
79 1,482,924 4,779,842 22,163,268 47,201,372 436,995,217
80 1,490,339 4,875,439 23,049,799 49,561,441 471,954,834
81 1,497,790 4,972,948 23,971,791 52,039,513 509,711,221
82 1,505,279 5,072,407 24,930,663 54,641,489 550,488,119
83 1,512,806 5,173,855 25,927,889 57,373,563 594,527,168
84 1,520,370 5,277,332 26,965,005 60,242,241 642,089,342
85 1,527,971 5,382,879 28,043,605 63,254,353 693,456,489
86 1,535,611 5,490,536 29,165,349 66,417,071 748,933,008
87 1,543,289 5,600,347 30,331,963 69,737,925 808,847,649
88 1,551,006 5,712,354 31,545,242 73,224,821 873,555,461
89 1,558,761 5,826,601 32,807,051 76,886,062 943,439,897
90 1,566,555 5,943,133 34,119,333 80,730,365 1,018,915,089
91 1,574,387 6,061,996 35,484,107 84,766,883 1,100,428,296
92 1,582,259 6,183,236 36,903,471 89,005,227 1,188,462,560
93 1,590,171 6,306,900 38,379,610 93,455,489 1,283,539,565
94 1,598,122 6,433,038 39,914,794 98,128,263 1,386,222,730
95 1,606,112 6,561,699 41,511,386 103,034,676 1,497,120,549
96 1,614,143 6,692,933 43,171,841 108,186,410 1,616,890,192
97 1,622,213 6,826,792 44,898,715 113,595,731 1,746,241,408
98 1,630,324 6,963,328 46,694,664 119,275,517 1,885,940,720
99 1,638,476 7,102,594 48,562,450 125,239,293 2,036,815,978
100 1,646,668 7,244,646 50,504,948 131,501,258 2,199,761,256
101 1,654,902 7,389,539 52,525,146 138,076,321 2,375,742,157
102 1,663,176 7,537,330 54,626,152 144,980,137 2,565,801,529
103 1,671,492 7,688,076 56,811,198 152,229,144 2,771,065,652
104 1,679,850 7,841,838 59,083,646 159,840,601 2,992,750,904
105 1,688,249 7,998,675 61,446,992 167,832,631 3,232,170,976
106 1,696,690 8,158,648 63,904,871 176,224,262 3,490,744,654
107 1,705,174 8,321,821 66,461,066 185,035,475 3,770,004,227
108 1,713,699 8,488,258 69,119,509 194,287,249 4,071,604,565
109 1,722,268 8,658,023 71,884,289 204,001,612 4,397,332,930
110 1,730,879 8,831,183 74,759,661 214,201,692 4,749,119,564
111 1,739,534 9,007,807 77,750,047 224,911,777 5,129,049,129
112 1,748,231 9,187,963 80,860,049 236,157,366 5,539,373,060
113 1,756,973 9,371,722 84,094,451 247,965,234 5,982,522,905
114 1,765,757 9,559,157 87,458,229 260,363,496 6,461,124,737
115 1,774,586 9,750,340 90,956,558 273,381,671 6,978,014,716
116 1,783,459 9,945,347 94,594,821 287,050,754 7,536,255,893
117 1,792,376 10,144,254 98,378,614 301,403,292 8,139,156,365
118 1,801,338 10,347,139 102,313,758 316,473,456 8,790,288,874
119 1,810,345 10,554,081 106,406,308 332,297,129 9,493,511,984
120 1,819,397 10,765,163 110,662,561 348,911,986 10,252,992,943
121 1,828,494 10,980,466 115,089,063 366,357,585 11,073,232,378
122 1,837,636 11,200,076 119,692,626 384,675,464 11,959,090,968
123 1,846,824 11,424,077 124,480,331 403,909,237 12,915,818,246
124 1,856,058 11,652,559 129,459,544 424,104,699 13,949,083,705
125 1,865,339 11,885,610 134,637,926 445,309,934 15,065,010,402
126 1,874,665 12,123,322 140,023,443 467,575,431 16,270,211,234
127 1,884,039 12,365,788 145,624,381 490,954,203 17,571,828,132
128 1,893,459 12,613,104 151,449,356 515,501,913 18,977,574,383
129 1,902,926 12,865,366 157,507,330 541,277,008 20,495,780,334
130 1,912,441 13,122,674 163,807,623 568,340,859 22,135,442,760
131 1,922,003 13,385,127 170,359,928 596,757,902 23,906,278,181
132 1,931,613 13,652,830 177,174,325 626,595,797 25,818,780,436
133 1,941,271 13,925,886 184,261,298 657,925,587 27,884,282,871
134 1,950,978 14,204,404 191,631,750 690,821,866 30,115,025,500
135 1,960,732 14,488,492 199,297,020 725,362,959 32,524,227,540
136 1,970,536 14,778,262 207,268,901 761,631,107 35,126,165,744
137 1,980,389 15,073,827 215,559,657 799,712,662 37,936,259,003
138 1,990,291 15,375,304 224,182,043 839,698,296 40,971,159,723
139 2,000,242 15,682,810 233,149,325 881,683,210 44,248,852,501
140 2,010,243 15,996,466 242,475,298 925,767,371 47,788,760,701
▲TOPに戻る