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。
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】
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 |