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基金投资

“快人一步，理想达到”

愈早开始作基金储蓄，复式利率增长愈能为阁下效劳，其效果从以下例子可见一斑：

  • 以＄5,000,000退休金储蓄目标为例，若投资者从22岁开始每年作基金储蓄＄13,199即每月＄1,093（计划一）假设每年平均回报为10.19%，到29岁时，投资者可以停止供款，让户口内基金继续存至65岁退休。期间总供款为＄91,833，而退休金为$5,000,058。
  • 反之，若果投资者从29岁才开始设立类似基金储蓄计划（计划二），在同一供款额（$13,199）及回报率（10.19%）下，投资者需要一直供款至65岁，才能获得$5,000,107之退休金。其间总本金为$485,403。

 

 

  计划一 计划二
年岁 每年供款 累积退休金 每年供款 累积退休金
22 
23 
24 
25 
26 
27 
28 
29 
30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 
41 
42 
43 
44 
45 
46 
47 
48 
49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 
63 
64 
65 

$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119

 

$14,456 
$30,385 
$47,937 
$67,277 
$88,589 
$112,072 
$137,948 
$152,005 
$167,494 
$184,561 
$203,368 
$224,091 
$246,926 
$272,088 
$299,814 
$330,365 
$364,029 
$401,124 
$441,998 
$487,038 
$536,667 
$591,353 
$651,612 
$718,011 
$791,177 
$871,798 
$960,634 
$1,058,523 
$1,166,386 
$1,285,241 
$1,416,207 
$1,560,518 
$1,719,535 
$1,894,756 
$2,087,831 
$2,300,581 
$2,535,010 
$2,793,328 
$3,077,968 
$3,391,613 
$3,737,218 
$4,118,041 
$4,537,669 
$5,000,058






$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 
$13,119 






$14,456 
$30,385 
$47,937 
$67,277 
$88,589 
$112,072 
$137,948 
$166,460 
$197,878 
$232,498 
$270,645 
$312,680 
$358,998 
$410,036 
$466,274 
$528,243 
$596,527 
$671,769 
$754,678 
$846,036 
$946,703 
$1,057,627 
$1,179,856 
$1,314,539 
$1,462,946 
$1,626,476 
$1,806,670 
$2,005,225 
$2,224,013 
$2,465,096 
$2,730,745 
$3,023,464 
$3,346,011 
$3,701,425 
$4,093,056 
$4,524,595 
$5,000,107 
  $91,833   $485,403