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財商學院

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什麼是複利？
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[Music] Compound interest is the interest an investor earns on his original
[音樂] 複利是投資人從原始
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investment plus all the interest earned on the interest that has accumulated over time.
投資中賺取的利息，以及隨著時間推移累積的利息所產生的利息。
00:15
It is easier to think of compound interest as interest on interest.
比較容易理解複利是利息中的利息。
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To understand compound interest, let's first look at simple interest, the interest earned on the
為了理解複利，我們首先來看簡單利息，它僅針對
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original principal only.
原始本金計算利息。
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Suppose you deposit $10,000 into a highinterest savings account at a 5% simple interest
假設您將 10,000 美元存入一個高利息儲蓄帳戶，年利率為 5% 的簡單利息，
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rate for three years.
為期三年。
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The interest you earn each year is 5% * 10,000 which equals $500 for a total of $1,500 of
您每年賺取的利息是 5% * 10,000 美元，等於 500 美元，三年總計 1,500 美元的
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interest at the end of year 3.
利息。
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Now instead suppose that you deposit the same $10,000 at 5% interest compounded annually in year 1.
現在假設您以每年複利 5% 的利率存入相同的 10,000 美元，第一年。
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$500 + 500 + 500.
500 美元 + 500 美元 + 500 美元。
01:00
the interest you earn is the same, $500.
您賺取的利息相同，為 500 美元。
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But in year two, the interest you earn is 5% * $10,500,
但在第二年，您賺取的利息是 5% * 10,500 美元，
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the original amount plus the interest you earned in year 1.
即原始金額加上您在第一年賺取的利息。
01:12
So the second year's interest is $525.
因此，第二年的利息為 525 美元。
01:15
In year three, you earn 5% interest on $11,025.
在第三年，您在 11,025 美元上賺取 5% 的利息。
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$10,000 + 500 year 1 interest plus 525 year 2 interest for an interest payment
10,000 美元 + 第一年 500 美元利息加上第二年 525 美元利息，利息支付為
01:28
of $55125.
551.25 美元。
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In total, you earn $1,576.25 in interest over 3 years with compounding interest versus $1,500 with
總計，在三年內，透過複利您賺取 1,576.25 美元的利息，而透過簡單利息則為 1,500 美元，
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simple interest, a difference of $76.25.
差額為 76.25 美元。
01:47
The effect of compounding becomes especially powerful over longer time periods as the amount of earned interest
複利效應會隨著時間拉長而變得特別強大，因為所賺取的利息金額
01:53
becomes larger and larger.
會越來越大。

什麼是複利？

📝 影片摘要

本單元深入淺出地解釋了「複利」這一重要的理財概念。影片首先將複利定義為投資人從原始投資中賺取的利息，以及隨著時間推移，這些累積利息所產生的利息，簡言之就是「利息中的利息」。為幫助理解，課程將複利與「簡單利息」進行比較，後者僅針對原始本金計算利息。透過一個實際範例，影片展示了將10,000美元以5%的年利率存入三年，簡單利息總共賺取1,500美元，而複利則賺取1,576.25美元，兩者相差76.25美元。這個範例清晰地說明了複利如何透過將之前賺取的利息納入本金進行再投資，從而產生更高的回報。影片最後強調，複利效應會隨著時間的拉長而變得特別強大，因為所賺取的利息金額會越來越大，這突顯了長期投資的重要性。

📌 重點整理

  • ✓ 複利定義：投資人從原始投資中賺取的利息，以及利息所產生的利息。
  • ✓ 複利的本質是「利息中的利息」（interest on interest）。
  • ✓ 簡單利息定義：僅針對原始本金計算利息。
  • ✓ 簡單利息範例：$10,000以5%年利率存三年，每年賺取$500，總計$1,500利息。
  • ✓ 複利範例：$10,000以5%年利率每年複利，第一年$500，第二年$525，第三年$551.25。
  • ✓ 複利總利息：三年後總計賺取$1,576.25利息。
  • ✓ 複利與簡單利息差異：在三年期內，複利比簡單利息多賺$76.25。
  • ✓ 複利效應：隨著時間拉長，複利的效果會變得特別強大，累積利息金額增長加速。
📖 專有名詞百科 ｜點擊詞彙查看維基百科解釋
複利
Compound interest
投資者
investor
最初的
original
投資
investment
累積的
accumulated
單利
simple interest
本金
principal
存入
deposit
儲蓄帳戶
savings account
每年
annually

🔍 自訂查詢

📚 共 10 個重點單字
Compound interest /ˈkɒmpaʊnd ˈɪntrəst/ noun
Interest calculated on the initial principal and also on the accumulated interest of previous periods of a deposit or loan.
複利；複合利息
📝 例句
"Compound interest is the interest an investor earns on his original"
→ 複利是投資人從其原始投資中賺取的利息，
✨ 延伸例句
"Albert Einstein reportedly called compound interest the eighth wonder of the world."
→ 據報導，愛因斯坦稱複利為世界第八大奇蹟。
investor /ɪnˈvɛstər/ noun
A person or organization that puts money into financial schemes, property, etc. with the expectation of achieving a profit.
投資者
📝 例句
"Compound interest is the interest an investor earns on his original"
→ 複利是投資人從其原始投資中賺取的利息，
✨ 延伸例句
"Many investors are looking for long-term growth opportunities."
→ 許多投資者正在尋找長期增長機會。
original /əˈrɪdʒɪnl/ adjective
Existing from the beginning; first or earliest.
最初的；原始的
📝 例句
"Compound interest is the interest an investor earns on his original"
→ 複利是投資人從其原始投資中賺取的利息，
✨ 延伸例句
"The original investment was quite small."
→ 最初的投資金額相當小。
investment /ɪnˈvɛstmənt/ noun
The action or process of investing money for profit or material result.
投資
📝 例句
"investment plus all the interest earned on the interest that has accumulated over time."
→ 投資，加上隨著時間累積的利息所產生的所有利息。
✨ 延伸例句
"Real estate can be a good long-term investment."
→ 房地產可能是一項不錯的長期投資。
accumulated /əˈkjuːmjəˌleɪtɪd/ verb (past participle)
Gathered or acquired an increasing number or quantity of something over a period of time.
累積的；積聚的
📝 例句
"investment plus all the interest earned on the interest that has accumulated over time."
→ 投資，加上隨著時間累積的利息所產生的所有利息。
✨ 延伸例句
"The fund's value has accumulated significantly over the past decade."
→ 該基金的價值在過去十年中顯著累積。
simple interest /ˈsɪmpl ˈɪntrəst/ noun
Interest calculated only on the principal amount, or on the portion of the principal amount that remains unpaid.
單利；簡單利息
📝 例句
"To understand compound interest, let's first look at simple interest, the interest earned on the"
→ 為了理解複利，我們首先來看簡單利息，它僅針對
✨ 延伸例句
"Simple interest is often used for short-term loans."
→ 單利常用於短期貸款。
principal /ˈprɪnsəpl/ noun
The original amount of a debt or investment on which interest is calculated.
本金；本錢
📝 例句
"original principal only."
→ 原始本金計算利息。
✨ 延伸例句
"After a few years, you will have paid off a significant portion of the principal."
→ 幾年後，您將償還大部分本金。
deposit /dɪˈpɒzɪt/ verb
Put (money) into a bank or building society account.
存入；儲存
📝 例句
"Suppose you deposit $10,000 into a highinterest savings account at a 5% simple interest"
→ 假設您將 10,000 美元存入一個高利息儲蓄帳戶，年利率為 5% 的簡單利息，
✨ 延伸例句
"You can deposit checks using the mobile app."
→ 您可以使用手機應用程式存入支票。
savings account /ˈseɪvɪŋz əˌkaʊnt/ noun
A bank account that earns interest and is typically used for saving money rather than for daily transactions.
儲蓄帳戶
📝 例句
"Suppose you deposit $10,000 into a highinterest savings account at a 5% simple interest"
→ 假設您將 10,000 美元存入一個高利息儲蓄帳戶，年利率為 5% 的簡單利息，
✨ 延伸例句
"It's important to have an emergency fund in a separate savings account."
→ 將應急基金存放在獨立的儲蓄帳戶中很重要。
annually /ˈænjuəli/ adverb
Once every year; yearly.
每年；年度地
📝 例句
"Now instead suppose that you deposit the same $10,000 at 5% interest compounded annually in year 1."
→ 現在假設您以每年複利 5% 的利率存入相同的 10,000 美元，第一年。
✨ 延伸例句
"The company publishes its financial results annually."
→ 該公司每年發布其財務業績。
🎯 共 10 題測驗

1 Which of the following best describes compound interest according to the video? 根據影片，下列哪一項最能描述複利？ Which of the following best describes compound interest according to the video?

根據影片，下列哪一項最能描述複利？

✅ 正確！ ❌ 錯誤，正確答案是 A

The video explicitly states that compound interest is easier to think of as 'interest on interest'.

影片明確指出，複利更容易理解為「利息中的利息」。

2 How is simple interest calculated, as explained in the video? 根據影片的解釋，單利是如何計算的？ How is simple interest calculated, as explained in the video?

根據影片的解釋，單利是如何計算的？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video states that simple interest is 'the interest earned on the original principal only'.

影片說明單利是「僅針對原始本金計算利息」。

3 In the video's example, what was the annual interest earned on a $10,000 deposit at a 5% simple interest rate? 在影片的範例中，以 5% 的單利年利率存入 10,000 美元，每年賺取多少利息？ In the video's example, what was the annual interest earned on a $10,000 deposit at a 5% simple interest rate?

在影片的範例中，以 5% 的單利年利率存入 10,000 美元，每年賺取多少利息？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video shows that 5% of $10,000 is $500, which is earned each year with simple interest.

影片中顯示，10,000 美元的 5% 是 500 美元，這是單利每年賺取的金額。

4 What was the total interest earned over three years with simple interest in the video's example? 在影片的範例中，三年期單利總共賺取多少利息？ What was the total interest earned over three years with simple interest in the video's example?

在影片的範例中，三年期單利總共賺取多少利息？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video states that for simple interest, $500 per year for three years totals $1,500.

影片指出，單利每年 500 美元，三年總計 1,500 美元。

5 In the compound interest example, what amount was used to calculate the interest for the second year? 在複利範例中，第二年用於計算利息的金額是多少？ In the compound interest example, what amount was used to calculate the interest for the second year?

在複利範例中，第二年用於計算利息的金額是多少？

✅ 正確！ ❌ 錯誤，正確答案是 B

For compound interest, the second year's interest is calculated on $10,500 ($10,000 original + $500 earned in year 1).

對於複利，第二年的利息是根據 10,500 美元（原始 10,000 美元加上第一年賺取的 500 美元）計算的。

6 How much interest was earned in the second year with compound interest in the video's example? 在影片的複利範例中，第二年賺取了多少利息？ How much interest was earned in the second year with compound interest in the video's example?

在影片的複利範例中，第二年賺取了多少利息？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video states that in year two, 5% of $10,500 is $525.

影片指出，第二年 10,500 美元的 5% 是 525 美元。

7 What was the total interest earned over three years with compound interest in the video's example? 在影片的複利範例中，三年期總共賺取多少利息？ What was the total interest earned over three years with compound interest in the video's example?

在影片的複利範例中，三年期總共賺取多少利息？

✅ 正確！ ❌ 錯誤，正確答案是 C

The video summarizes that with compound interest, the total earned over 3 years is $1,576.25.

影片總結，透過複利，三年內總共賺取 1,576.25 美元。

8 What was the difference in total interest earned between compound interest and simple interest over three years in the video's example? 在影片的範例中，三年期複利和單利之間賺取的總利息差異是多少？ What was the difference in total interest earned between compound interest and simple interest over three years in the video's example?

在影片的範例中，三年期複利和單利之間賺取的總利息差異是多少？

✅ 正確！ ❌ 錯誤，正確答案是 C

The video explicitly states the difference is $76.25 ($1,576.25 - $1,500).

影片明確指出差異為 76.25 美元（1,576.25 美元 - 1,500 美元）。

9 According to the video, when does the effect of compounding become especially powerful? 根據影片，複利效應何時會變得特別強大？ According to the video, when does the effect of compounding become especially powerful?

根據影片，複利效應何時會變得特別強大？

✅ 正確！ ❌ 錯誤，正確答案是 C

The video highlights that 'The effect of compounding becomes especially powerful over longer time periods'.

影片強調「複利效應會隨著時間拉長而變得特別強大」。

10 What happens to the amount of earned interest over longer time periods due to compounding, as mentioned in the video? 根據影片所述，由於複利，隨著時間拉長，賺取的利息金額會發生什麼變化？ What happens to the amount of earned interest over longer time periods due to compounding, as mentioned in the video?

根據影片所述，由於複利，隨著時間拉長，賺取的利息金額會發生什麼變化？

✅ 正確！ ❌ 錯誤，正確答案是 C

The video concludes by saying 'as the amount of earned interest becomes larger and larger'.

影片結尾提到「所賺取的利息金額會越來越大」。

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