
“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
|
$14,456 |
$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 |