論每月投5000 20年後滾250萬的含意 - 股票
By Margaret
at 2021-04-01T22:59
at 2021-04-01T22:59
Table of Contents
剛剛好像有一篇葉佩雯
標題下的很爛 甚麼用5000元投資 20年滾出250萬
算了一下 投報率噴飛天惹 笑死
再看一下文章 才發現其實是每個月固定投入5000元 20年後滾出250萬
ok 本著之前曾經在金融業幹過coding的精神 我來算一下
假設月利率X 每個月月初投入5000元 20年總共240個月
總共投入120萬元 試算表拉一下 X = 0.551%
可以視為年化利率 = 0.551 % * 12 = 6.6%
或者視為 (250萬-120萬) / 120萬 / 20 = 5.4%
(中間1.2%的差是因為按月算跟20年算的APY會有誤差 然後沒考慮兩種算法的複利誤差)
然後我們來對照一下2019年6月底結算20年的APY
SP500 : 5.9%
DJIA : 7.03%
Russel 2000: 7.7%
我突然覺得出書的人真的很強
一句每月5000元無腦大盤指數 20年滾250萬
一句話硬生生地被搞成一本書 厲害厲害
--
標題下的很爛 甚麼用5000元投資 20年滾出250萬
算了一下 投報率噴飛天惹 笑死
再看一下文章 才發現其實是每個月固定投入5000元 20年後滾出250萬
ok 本著之前曾經在金融業幹過coding的精神 我來算一下
假設月利率X 每個月月初投入5000元 20年總共240個月
總共投入120萬元 試算表拉一下 X = 0.551%
可以視為年化利率 = 0.551 % * 12 = 6.6%
或者視為 (250萬-120萬) / 120萬 / 20 = 5.4%
(中間1.2%的差是因為按月算跟20年算的APY會有誤差 然後沒考慮兩種算法的複利誤差)
然後我們來對照一下2019年6月底結算20年的APY
SP500 : 5.9%
DJIA : 7.03%
Russel 2000: 7.7%
我突然覺得出書的人真的很強
一句每月5000元無腦大盤指數 20年滾250萬
一句話硬生生地被搞成一本書 厲害厲害
--
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