{"id":16530,"date":"2024-05-15T21:20:53","date_gmt":"2024-05-16T04:20:53","guid":{"rendered":"https:\/\/seiu775benefitsgroup.org\/compounding-interest\/"},"modified":"2024-05-15T21:20:53","modified_gmt":"2024-05-16T04:20:53","slug":"compounding-interest","status":"publish","type":"post","link":"https:\/\/seiu775benefitsgroup.org\/zh-hans\/compounding-interest\/","title":{"rendered":"\u901a\u8fc7\u590d\u5229\u83b7\u5f97\u8d22\u5bcc\u589e\u503c"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16530\" class=\"elementor elementor-16530 elementor-5204\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-661192b nopadding section_title e-flex e-con-boxed e-con e-parent\" data-id=\"661192b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ac73130 e-con-full blog-bar e-flex e-con e-child\" data-id=\"ac73130\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e486fb7 e-con-full single-column nopadding title e-flex e-con e-child\" data-id=\"e486fb7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36588a7 elementor-widget elementor-widget-spacer\" data-id=\"36588a7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e1e95f elementor-widget__width-inherit elementor-widget elementor-widget-post-info\" data-id=\"1e1e95f\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-b9ff0b6 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Money Management<\/span>, <span class=\"elementor-post-info__terms-list-item\">Retirement<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e25431 elementor-widget elementor-widget-heading\" data-id=\"8e25431\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">\u901a\u8fc7\u590d\u5229\u83b7\u5f97\u8d22\u5bcc\u589e\u503c<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c98db14 single-column nopadding section_date e-flex e-con-boxed e-con e-parent\" data-id=\"c98db14\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb5b97d elementor-widget elementor-widget-spacer\" data-id=\"cb5b97d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1916957 elementor-widget__width-inherit elementor-widget elementor-widget-post-info\" data-id=\"1916957\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-dbbd518 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>15 5 \u6708, 2024<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07c7a79 elementor-widget elementor-widget-spacer\" data-id=\"07c7a79\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a596aab single-column nopadding section_body e-flex e-con-boxed e-con e-parent\" data-id=\"a596aab\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff409d elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1ff409d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW77166652 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW77166652 BCX0\">Understanding compounding interest is important for planning for retirement. Compounding interest helps your money grow over time, which means that a dollar\u00a0<\/span><span class=\"NormalTextRun SCXW77166652 BCX0\">put in savings\u00a0<\/span><span class=\"NormalTextRun SCXW77166652 BCX0\">today is worth more than a dollar saved later because it has time to build interest and grow.<\/span><\/span><span class=\"EOP SCXW77166652 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p><h4>\u00a0<\/h4><h3>What is compounding interest?<\/h3><p><span class=\"TextRun SCXW242766976 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW242766976 BCX0\">Compounding interest is when your money grows not just on what you put in initially, called\u00a0<\/span><span class=\"NormalTextRun CommentStart CommentHighlightPipeRestV2 CommentHighlightRest SCXW242766976 BCX0\"><a href=\"https:\/\/seiu775benefitsgroup.org\/retirement\/retirement-terms\/\">principal<\/a>,<\/span><span class=\"NormalTextRun CommentHighlightPipeRestV2 SCXW242766976 BCX0\">\u00a0but also on the interest it earns over time, leading to bigger savings in the long run. It\u2019s like a snowball rolling downhill\u2014over time, the snowball gets bigger the longer it rolls.<\/span><\/span><span class=\"EOP SCXW242766976 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p><h4>\u00a0<\/h4><h3>Tips to build compounding interest<\/h3><p><span data-contrast=\"auto\">Here\u2019s what you should know about compounding interest:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Start Saving Early:<\/span><\/b><span data-contrast=\"auto\">\u00a0Even a small amount of savings can grow a lot over time due to compounding interest, so it\u2019s important to start saving early.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Keep Your Money Invested Long-term:<\/span><\/b><span data-contrast=\"auto\">\u00a0The longer your money stays in an interest-bearing investment account, the more it benefits from compounding interest and the more it grows.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Be Patient:<\/span><\/b><span data-contrast=\"auto\">\u00a0Be patient and let compounding interest add money to your account. If you want your account to grow faster, contribute a little each month or whenever you can.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">See how your money can grow with compounding interest using the\u00a0<a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator\">Compounding Interest Calculator.<\/a>*\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h5>*Calculations are based on the average market return of 7% and are not a guarantee of return on investment. All investments carry risk. This figure is for informational purposes, only. Talk to a financial professional for more information.<\/h5><h3>\u00a0<\/h3><h3><a class=\"elementor-accordion-title\" tabindex=\"0\">Can compounding interest help me save more with my Secure Retirement Plan account?<\/a><\/h3><p><span data-contrast=\"auto\">For every qualified hour you work as a caregiver, your contributing SRP employer adds up to $1.20* to your SRP retirement account.\u00a0As you work more, your employer contributes to your account more.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">With your money invested in the SRP, you get the benefit of compounding interest adding to your retirement account balance until you are ready to take your money out.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">To estimate how much money you may have in your SRP account when you retire, login to\u00a0<a href=\"https:\/\/seiu775benefitsgroup.org\/retirement\/my-plan\/\">Retirement:\u00a0<\/a><\/span><a href=\"https:\/\/seiu775benefitsgroup.org\/retirement\/my-plan\/\"><i><span data-contrast=\"auto\">My Plan<\/span><\/i><\/a><span data-contrast=\"auto\">\u00a0to use the retirement calculator made specifically for caregivers like you.<\/span><\/p><h5>*Employer c<span class=\"TextRun SCXW260090536 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW260090536 BCX0\">ontributions to the Secure Retirement Plan (SRP) increased <\/span><\/span><span class=\"TextRun SCXW260090536 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW260090536 BCX0\">to $1.20 on July 1, 2024.<\/span><\/span><\/h5><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a34828 single-column nopadding section_sharelinks e-flex e-con-boxed e-con e-parent\" data-id=\"2a34828\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ef6541 e-con-full e-flex e-con e-child\" data-id=\"6ef6541\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-524824a elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"524824a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Share:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9425fe4 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-grid-3 elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-widget__width-auto elementor-widget elementor-widget-share-buttons\" data-id=\"9425fe4\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u4e86\u89e3\u590d\u5229\u5bf9\u4e8e\u9000\u4f11\u89c4\u5212\u975e\u5e38\u91cd\u8981\u3002\u590d\u5229\u5e2e\u52a9\u60a8\u7684\u8d44\u91d1\u968f\u65f6\u95f4\u589e\u957f\uff0c\u4e5f\u5c31\u662f\u8bf4\u4eca\u5929\u5b58\u5165 1 \u7f8e\u5143\u4f1a\u6bd4\u65e5\u540e\u5b58\u5165\u66f4\u6709\u4ef7\u503c\uff0c\u56e0\u4e3a\u5728\u8fd9\u6bb5\u65f6\u95f4\u91cc\uff0c\u5229\u606f\u4f1a\u7d2f\u79ef\uff0c\u8d22\u5bcc\u4f1a\u589e\u503c\u3002 <\/p>\n","protected":false},"author":2,"featured_media":29040,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[218,228],"tags":[],"post_folder":[],"class_list":["post-16530","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management-zh-hans","category-retirement-zh-hans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u901a\u8fc7\u590d\u5229\u83b7\u5f97\u8d22\u5bcc\u589e\u503c - SEIU 775 Benefits Group<\/title>\n<meta name=\"description\" content=\"\u4e86\u89e3\u590d\u5229\u5bf9\u4e8e\u9000\u4f11\u89c4\u5212\u975e\u5e38\u91cd\u8981\u3002\u590d\u5229\u5e2e\u52a9\u60a8\u7684\u8d44\u91d1\u968f\u65f6\u95f4\u589e\u957f\uff0c\u4e5f\u5c31\u662f\u8bf4\u4eca\u5929\u5b58\u5165 1 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