储蓄保险

那天听到保险经纪
跟我说他们的储蓄保险
也就是投资在基金上
我大概粗略的估计五年回酬
以及十年回酬的巴仙


Monthly invest: 300

1st year: 3600 - 180 = 3420 * 11% = 3796.2
2nd year: 3796.2 + 3420 = 7216.2 * 11% = 8009.98
3rd year: 8009.98 +3420 = 11429.98 * 11% = 12687.28
4th year: 12687.28 + 3420 = 16107.28 * 11% = 17879.08
5th year: 17879.08 + 3420 = 21299.08 * 11% = 23641.98
6th year: 23641.98 + 3420 = 26881.98 * 11% = 29839
7th year: 29839 + 3420 = 33259 * 11% = 36917.49
8th year: 36917.49 + 3420 = 40337.49 * 11% = 44774.61
9th year: 44774.61 + 3420 = 48194.61 * 11% = 53496.02
10th year: 53496.02 + 3420 = 56916.02 * 11% = 63176.78

First 5 years
3420 * 5 = 17100
(23641.98 - 17100) / 17100 = 38.26%
38.26% / 5 = 7.65%

First 10 years
3420 * 10 = 34200
(63176.78 - 32400) / 34200 = 84.73%
84.73% / 10 = 8.473%

上面的算法
根据每个月投资基金300元
扣除5%的手续费
意思是未赚先亏
而回酬率根据经纪的说法是每年11%
我觉得应该太过乐观估计回酬
并未计算潜在风险
第一个5年录得7.65%
相当于如果你投资在产业信托的周息率
当然这并未计算你的产业信托的股价上升

所以如果你的基金是属于长期投资
应该就能见识复利的效果
如果你想法是短中期投资
我觉得股票还是我的首选

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