life cycle investment vs 買房投資 - 投資

By Quanna
at 2022-04-05T19:48
at 2022-04-05T19:48
Table of Contents
要計算哪個比較賺錢就用房貸金流套XIRR計算看年化報酬率多少,
頭期款=股市初期投資金額
房貸=每月投資金額(萬一有租金再行扣除)
以下依照台股大盤7%年化報酬率計算,
另外因為目前檯面上寬限期最多五年所以都用五年計算
租金收入用總價1.5%*0.7(0.7算成租屋空窗期),以下為結果
(一)貸款成數8成/利率1.56%/貸款30年/無租金收入/無寬限期:
5年後房價漲幅17.4%可以超越大盤
(二)貸款成數8成/利率1.56%/貸款30年/有租金收入/無寬限期:
5年後房價漲幅11.1%可以超越大盤
(三)貸款成數8成/利率1.56%/貸款30年/無租金收入/寬限期5年:
5年後房價漲幅15.7%可以超越大盤
(四)貸款成數8成/利率1.56%/貸款30年/有租金收入/寬限期5年:
5年後房價漲幅9.5%可以超越大盤
免費算式提供,點進去再複製就好
https://tinyurl.com/564z8fcp
然後我股票約90%投資0050or006208
從2015年進場定期不定額(隨工作加薪)年化報酬是18.6%
房子對我而言就是有自住需求再買就好
--
頭期款=股市初期投資金額
房貸=每月投資金額(萬一有租金再行扣除)
以下依照台股大盤7%年化報酬率計算,
另外因為目前檯面上寬限期最多五年所以都用五年計算
租金收入用總價1.5%*0.7(0.7算成租屋空窗期),以下為結果
(一)貸款成數8成/利率1.56%/貸款30年/無租金收入/無寬限期:
5年後房價漲幅17.4%可以超越大盤
(二)貸款成數8成/利率1.56%/貸款30年/有租金收入/無寬限期:
5年後房價漲幅11.1%可以超越大盤
(三)貸款成數8成/利率1.56%/貸款30年/無租金收入/寬限期5年:
5年後房價漲幅15.7%可以超越大盤
(四)貸款成數8成/利率1.56%/貸款30年/有租金收入/寬限期5年:
5年後房價漲幅9.5%可以超越大盤
免費算式提供,點進去再複製就好
https://tinyurl.com/564z8fcp
然後我股票約90%投資0050or006208
從2015年進場定期不定額(隨工作加薪)年化報酬是18.6%
房子對我而言就是有自住需求再買就好
--
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