Summary of كسر شهادة 19% وشراء شهادة 23.50% | المكسب والخسارة
Summary
The video discusses the financial implications of breaking a 19% interest certificate and reinvesting in a 23.5% certificate. The analysis focuses on the potential gains and losses involved in this decision.
Main Financial Strategies and Market Analyses:
- Breaking a Certificate: The client breaks a 19% certificate after six months, incurring a penalty of 75% on the interest earned.
- Reinvestment: The client uses the remaining funds after breaking the certificate to invest in a new certificate with a higher interest rate of 23.5%.
- Comparison of Returns: The video compares the total earnings from the original and new certificates to assess the financial impact of breaking the Initial Investment.
Methodology/Step-by-Step Guide:
- Initial Investment: The client invests 100,000 pounds in a 19% certificate.
- Calculate Interest Earned: Determine the interest earned over six months (9,500 pounds).
- Calculate Penalty for Breaking: Calculate the penalty for breaking the certificate (75% of 9,500 pounds = 7,125 pounds).
- Determine Net Earnings: Subtract the penalty from the interest earned to find the net earnings (9,500 - 7,125 = 2,375 pounds).
- Calculate Remaining Principal: After breaking the certificate, the client has 92,875 pounds to reinvest.
- Reinvestment in New Certificate: Invest the remaining amount in a new 23.5% certificate, yielding an expected return of 21,825 pounds over one year.
- Total Savings Calculation: Sum the principal, interest from the original certificate, and interest from the new certificate to determine total savings after one year.
- Comparison of Total Savings: Compare total savings from both scenarios (breaking vs. not breaking) to assess the financial outcome.
Presenters/Sources:
The video does not explicitly mention presenters or sources.
Notable Quotes
— 00:00 — « No notable quotes »
Category
Business and Finance