IXesha lokuyilwa, iNkonzo yeNkonzo yoYilo, ixesha lokuBuya - Ngaba uyahlula ngokucacileyo?

Ixesha lokuyila lisiseko, ubomi benkonzo yoyilo, kunye nexesha lokubuya ngamagama ali-3 ahlala edibana neenjineli zesakhiwo. Nangona umgangatho omanyano woyilo lwezinto zobunjineli
"IMIGANGATHO"

1. IXESHA LOKUGQIBELA
Ngaphambi kokuba singene kwingxoxo, masiphonononge ixesha lokubuya. " Kwinqaku lethu elingaphambili, kanye kwiminyaka engama-50 = kanye kwiminyaka engama-50? -Ias ikhankanywe kwisantya sesine sesantya somoya esiqhelekileyo esimele sazi, ixesha lokubuyiselwa komthwalo libhekisa kwi "Ithuba lexesha eliphakathi, kunye nexesha lokubuya" kunye nexesha lonyaka lokulinganisa lilingane ngokulinganayo. Umzekelo, imithwalo yomoya enexesha lokubuya iminyaka engama-50, kunokwenzeka kwaphela kwi-2%; Imithwalo yomoya enexesha lokubuya iminyaka eli-100, kunokwenzeka kwaphela lonyaka yi-1%.

Ngomthwalo womoya onokubakho olwenzeka minyaka le, ukuba ungadlulanga kwisantya somoya kunyaka othile ngu-1-p, kunye nokuba kungenzeka ukuba ungadlulanga kwisantya somoya kwiminyaka. Ke ngoko, ukubakho okungaphezulu kwesantya somoya kwiminyaka n inokubalwa yile fomula ilandelayo:

Ngokwale fomula: Ukuba umthwalo womoya kwixesha lokubuya kweminyaka engama-50, amathuba okugqitha kwaphela yi-P = 2%, kunye nokungaphezulu kweminyaka engama-50 ngu:

I-100 yokutshintsha kwe-100 inokwenzeka:

Kwaye amathuba okugqitha kwiminyaka engama-200 aya kufikelela:

2. Ixesha lokuyila
Kumhlandela-mzekelo ungasentla, sinokufumana oko kwimithwalo eyahlukileyo, akukho nto ingento yokukhankanya inokwenzeka engaphezulu ngaphandle kokukhankanya ubude bexesha elihambelanayo. Emva kwayo yonke loo nto, abantu baya kufa ekuhambeni kwexesha, amathuba okuba agqithisileyo aya kuba kufutshane ne-100%, kwaye izakhiwo ziya kudilizwa (ngaphandle kokuba zichithwe). Ke ngoko, ukudibanisa umgangatho wemilinganiselo, kubalulekile ukucacisa isikali somanyano njengexesha leparamitha yexabiso lokulinganisa. Eli xesha lixesha "ixesha loyilo".

Inqaku lesi-3.1.3 le "khowudi yokuLayisha izakhiwo zezakhiwo" zichaza ukuba ixesha lereferensi yoyilo leminyaka engama-50 liya kwamkelwa xa kumiselwe ixabiso lemithwalo eyahlukileyo. " Esi sisibonelelo esinyanzelekileyo. Isizathu sokuba kunyanzelekile kukuba "akukho mthetho, akukho sangqa", ngaphandle kokuseta ixesha, akukho nto ibonakalayo ukuxoxa ngayo umthwalo kunye nesalathiso sokuthembeka (amathuba okusilela) kwisakhiwo.