újrabefektetése

Reinvestment refers to the act of using profits or returns generated from an investment to purchase more of the same or a similar asset. Instead of withdrawing the earnings, the investor chooses to redeploy them, thereby increasing their overall stake and potentially accelerating future growth. This strategy is a cornerstone of compounding, where returns themselves begin to generate further returns, leading to exponential growth over time.

Commonly seen in stock markets, reinvestment can involve using dividends paid out by a company to buy additional shares of that same company. This is often facilitated by dividend reinvestment plans (DRIPs). Similarly, in the context of bonds, interest payments can be reinvested to purchase more bonds, increasing the principal amount earning interest.

The benefits of reinvestment include enhanced long-term wealth accumulation due to the power of compounding. It allows investors to build a larger asset base more efficiently than relying solely on new capital contributions. However, it also means that the investor will not have immediate access to the reinvested profits, as they are now tied up in the investment. This strategy is most effective over longer investment horizons where the compounding effect has sufficient time to operate. It is a passive approach to increasing investment size, requiring minimal active decision-making from the investor once the reinvestment is set up.