Re: [請益] 27歲投資理財規劃
※ 引述《SohoJacky (Jacky)》之銘言:
: 今年27歲 月薪30K
: 已有存款21萬
: 每月支出明細如下:
: 勞.健保 2000(含父母)
: 醫療險 2000
: 國民年金 1500(父.母)
: 電信費 2500(含中華網路)
: 生活費 7000(餐費.生活雜支)
: ____________________________
: 每月約可存15K
: 希望3年能存到100萬
: 35歲前(8年)能存到500萬
: 請各位高手推薦理財方式
: 謝謝
幫你算一下
不理財的話
3年存到 210,000 + 15,000*12(月)*3(年) = 750,000
8年存到 210,000 + 15,000*12(月)*8(年) = 1,650,000
假設你現在就有 75萬 要在 3年內變成 100萬
每年報酬率約10%
假設你現在就有 165萬 要在 8年內變成 500萬
每年報酬率約15%
我只能說 一檔穩定年報酬率10%的基金、股票 還是甚麼的理財工具
他基本上已經神話了!
況且你現在沒有這麼多錢 你要慢慢存
我也幫你算好了
假設你每個月存1萬5 且不會增加
8年要存到500萬
你每年報酬率需要高達22%
基本上 本版沒有任何人可以推薦你年報酬率穩定的高達22%的理財方式
穩定年報酬率10% 這樣的高高手也很難在本版找到
我只能推薦你兩種方式
1. 去廟裡
2. 增加自己薪水
--
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