複利的力量 vs 本金的力量 - 股票

By Lily
at 2017-04-21T11:20
at 2017-04-21T11:20
Table of Contents
-------------------------------------------------------------------------
1.發文前請先詳閱[心得]分類發文規範,未依規範發文將受處份。
2.若提及股號股名,且屬未來性的預測或分析有推薦意圖,
請寫到 [標的] 分類,否則將以板規4-1砍文處份。
----------------------------按ctrl+y可刪除以上內容。---------------------
在看閒聊時突然有些感觸 忍不住就寫了
(其實不太愛發文 因為我個性太隨性 常常寫著就不小心踩到板規被板主砍)
這篇也不算什麼大心得 只是給一些剛出社會的年輕人參考
也可以把它當成勸世文啦
只是我一般不太愛勸世 怕未來因此讓世界上少了一個股神
不過本篇有用到數學量化 對於人生規畫的求最佳解多少有一些幫助
[題目]
假設有一個剛畢業的年輕人,他有兩種選擇:
A. 專職工作 B. 專職操盤。我們條件設簡化一點。
A專職工作時,起薪20K/月,年薪12個月,為了簡化不考慮調薪變因。
股票可能買ETF或定存股之類的,年報酬率5%。
B專職操盤時,沒有工作薪水。
但投資股票的報酬率可達20%,大概比巴菲特和TEST520弱一點。
假設剛畢業時這個年輕人就有10萬資金可以投入股市。
然後薪資收入為了方便計算,就滿一年年底一次投入整年年薪。
然後再假設這個人不用生活開支,吃家裡住家裡,也沒其他開支,以簡化計算。
試問,他在第幾年由專職工作轉為專職操盤,在畢業30年後可有最大資產。
又,轉職時的資金為多少?
[答案]
國小數學程度,我就不公布答案了,僅提供給一些年輕人參考。
@@大家都不想算 好吧我算給你
因為工作的資金 A(n)=A(n-1)*1.05+24萬
而專職投資資金 A(n)=A(n-1)*1.2
所以要資金大於 24/0.15=160萬以上 專職操盤的年收入才會超過專職工作
那麼專職工作的累積資金
第n年 資金(萬)
0 10
1 34.5
2 60.225
3 87.236
4 115.598
5 145.378
6 176.647 >160萬
所以第七年就可以轉專職操盤了
好吧 所以重點是 本金還不到七位數的年輕人 可以考慮是不是專心工作就好
薪水高的人算出來的數字會更大
--
1.發文前請先詳閱[心得]分類發文規範,未依規範發文將受處份。
2.若提及股號股名,且屬未來性的預測或分析有推薦意圖,
請寫到 [標的] 分類,否則將以板規4-1砍文處份。
----------------------------按ctrl+y可刪除以上內容。---------------------
在看閒聊時突然有些感觸 忍不住就寫了
(其實不太愛發文 因為我個性太隨性 常常寫著就不小心踩到板規被板主砍)
這篇也不算什麼大心得 只是給一些剛出社會的年輕人參考
也可以把它當成勸世文啦
只是我一般不太愛勸世 怕未來因此讓世界上少了一個股神
不過本篇有用到數學量化 對於人生規畫的求最佳解多少有一些幫助
[題目]
假設有一個剛畢業的年輕人,他有兩種選擇:
A. 專職工作 B. 專職操盤。我們條件設簡化一點。
A專職工作時,起薪20K/月,年薪12個月,為了簡化不考慮調薪變因。
股票可能買ETF或定存股之類的,年報酬率5%。
B專職操盤時,沒有工作薪水。
但投資股票的報酬率可達20%,大概比巴菲特和TEST520弱一點。
假設剛畢業時這個年輕人就有10萬資金可以投入股市。
然後薪資收入為了方便計算,就滿一年年底一次投入整年年薪。
然後再假設這個人不用生活開支,吃家裡住家裡,也沒其他開支,以簡化計算。
試問,他在第幾年由專職工作轉為專職操盤,在畢業30年後可有最大資產。
又,轉職時的資金為多少?
[答案]
國小數學程度,我就不公布答案了,僅提供給一些年輕人參考。
@@大家都不想算 好吧我算給你
因為工作的資金 A(n)=A(n-1)*1.05+24萬
而專職投資資金 A(n)=A(n-1)*1.2
所以要資金大於 24/0.15=160萬以上 專職操盤的年收入才會超過專職工作
那麼專職工作的累積資金
第n年 資金(萬)
0 10
1 34.5
2 60.225
3 87.236
4 115.598
5 145.378
6 176.647 >160萬
所以第七年就可以轉專職操盤了
好吧 所以重點是 本金還不到七位數的年輕人 可以考慮是不是專心工作就好
薪水高的人算出來的數字會更大
--
Tags:
股票
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