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                            <h2 class="site-title color-brand-1" data-watermark="Compounding">Compounding</h2>
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                    <p class="font-md color-grey-400" style="text-align: justify;">
                        Compounding is the ability of an asset to generate earnings, which are then reinvested or remain
                        invested with the goal of generating their own earnings. In other words, compounding refers to
                        generating earnings from previous earnings. This is a very popular strategy adopted by investors
                        to generate profits from the already generated profits

                        Interest is often compounded monthly, quarterly, semiannually or annually. With continuous
                        compounding, any interest earned immediately begins earning interest on itself. Albert Einstein
                        allegedly called compounding interest “the greatest mathematical discovery of all time.” This is
                        true partly because, unlike the trigonometry or calculus you studied back in high school,
                        compounding can be applied to everyday life.
                    </p>
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                    <p class="font-md color-grey-400" style="text-align: justify;">
                        The wonder of compounding (sometimes called “compound interest”) has the potential to transform
                        your working money into an income-generating tool. Compounding is the process of generating
                        earnings on an asset’s reinvested earnings. To work, it requires three things: the original
                        investment remain invested, the reinvestment of earnings and time. The more time you give your
                        investments, the more you may be able to accelerate the income potential of your original
                        investment.
                    </p>
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                    <h4 class="site-title-tagline" style="text-align: justify;">
                        <b>To demonstrate, let’s look at another example:</b>
                    </h4>
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                    <p class="font-md color-grey-400" style="text-align: justify;">
                        If you invest $10,000 and it returns 6%, you will have $10,600 in one year ($10,000 x 1.06).
                        Rather than withdraw the $600 gained, you keep it in there for another year. If you continue to
                        earn the same rate of 6%, your investment will grow to $11,236 ($10,600 x 1.06) by the end of
                        the second year.
                        Because you reinvested that $600, it works together with the original investment, earning you
                        $636, which is $36 more than the previous year. This little bit extra may seem like peanuts now,
                        but do not forget that you did not have to lift a finger to earn that $36. More importantly,
                        this $36 also has the capacity to earn interest. After the next year, assuming the same 6%
                        return, your investment would be worth $11,910 ($11,236 x 1.06). This time you earned $674,
                        which is $74 more than the first year. This increase in the amount made each year is compounding
                        in action: investment earnings on investment earnings and so on.

                    </p>
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                    <p class="font-md color-grey-400" style="text-align: justify;">
                        With Bitwise Asset Management Limited, different trading plans offer different compounding interest percentage which
                        increases your ROI ( Return Of Investment) thereby offering more profits to ease the burden of
                        taxes that comes with your daily trading activities.
                    </p>
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                    <h4 class="site-title-tagline">
                        Starting Early
                    </h4>
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                    <p class="font-md color-grey-400">
                        Consider two individuals; we will name them Pam and Sam. Pam and Sam are the same age.
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                    <img src="{{asset('landing/img/sam.jpeg')}}" alt="img" style="width: 450px;">
                    <p class="font-md color-grey-400" style="text-align: justify;">
                        When Pam was 25 she invested $15,000 which returned 5.5% annually. For simplicity, assume the
                        earnings were compounded annually. By the time Pam reaches 50, her investment would grow to
                        $57,200 ($15,000 x [1.055^25]).
                        Pam’s friend, Sam, did not start investing until he reached age 35. At that time, he invested
                        $15,000 which returned the same 5.5% compounded annually. By the time Sam reaches age 50, his
                        investment would grow to $33,487 ($15,000 x [1.055^15]).
                        What happened? Both Pam and Sam are 50 years old, but Pam’s investment earned $23,714 ($57,201 -
                        $33,487) more than Sam’s, even though he invested the same amount of money. By giving her
                        investment more time to grow, Pam’s investment grew by $42,201 while Sam’s investment grew by
                        $18,487.
                    </p>
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                    <img src="{{asset('landing/img/tr.jpeg')}}" alt="img" style="width: 450px;">
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                    <p class="font-md color-grey-400" style="text-align: justify;">
                        This hypothetical example assumes two initial $10,000 investments that earn 5.5% annually with
                        earnings remaining invested. Pam’s investment is over 25 years and Sam’s investment is over 15
                        years. Taxes, management fees and other costs of investing are not reflected in this example.
                        Results would be lower due to taxes, management fees and other costs of investing. This
                        hypothetical example does not represent returns on any specific investment.
                    </p>
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                    <p class="font-md color-grey-400" style="text-align: justify;">
                        You can see that both investments start to grow slowly and then accelerate, as reflected in the
                        increase in the curves’ steepness. Pam’s line becomes steeper as she nears her 50s not simply
                        because she has accumulated more investment earnings, but because these accumulated investment
                        earnings have been accruing additional investment earnings.
                        In another 10 years, Pam’s line continues its steep ascent due to accrued investment earnings.
                        At age 60, Pam’s investment would have grown to around $97,000, while Sam’s investment would
                        have grown to around $57,000—a $40,000 difference!
                    </p>
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                    <p class="font-md color-grey-400" style="text-align: justify;">
                        The effect of compound interest depends on frequency. Assume an annual interest rate of 4%. If
                        we start the year with $100 and compound only once, at the end of the year, the principal grows
                        to $104 ($100 x 1.04 = $104). If we instead compound each month at 1%, we end up with more than
                        $104 at the end of the year. Specifically, we end up with $100 x 1.0033^12 at $104.07. The final
                        amount is slightly higher because the interest compounded more frequently.
                    </p>
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                    <p class="font-md color-grey-400" style="text-align: justify;">
                        This minor amount can really add up over the life of an investment.
                        Compounding has the potential to positively impact the growth of your working money and
                        maximizes the earning potential of your investments—but remember, because time and reinvesting
                        make compounding potentially work, you should consider keeping the principal and earnings
                        invested in order to benefit from the potential that compounding provides.
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