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基金投資

“快人一步，理想達到”

愈早開始作基金儲蓄，複式利率增長愈能為閣下效勞，其效果從以下例子可見一斑：

  • 以＄5,000,000退休金儲蓄目標為例，若投資者從22歲開始每年作基金儲蓄＄13,199即每月＄1,093（計劃一）假設每年平均回報為10.19%，到29歲時，投資者可以停止供款，讓戶口內基金繼續存至65歲退休。期間總供款為＄91,833，而退休金為$5,000,058。
  • 反之，若果投資者從29歲才開始設立類似基金儲蓄計劃（計劃二），在同一供款額（$13,199）及回報率（10.19%）下，投資者需要一直供款至65歲，才能獲得$5,000,107之退休金。其間總本金為$485,403。

 

 

  計劃一 計劃二
年歲 每年供款 累積退休金 每年供款 累積退休金
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