aquamax 发表于 8-3-2018 12:10 PM
3600FD 3%
每年放。。1-10年=42467 - 连本带利
11-20年 = 57303 - 连本带利
你的PLAN
1-10年 = 6120+36000
11-20年 = 11880
20年后。。连本带利。。54000 --比FD好?
Year | Saving | Yearly Withdrawal | Yearly Deposit(3.2%) | | Year | Saving | Yearly Withdrawal | Yearly Deposit(3.5%) | 1 | 3,600 | 115 | 3,715 | | 1 | 3,600 | 612 | 633 | 2 | 3,600 | 230 | 7,430 | | 2 | 3,600 | 612 | 1,289 | 3 | 3,600 | 346 | 11,146 | | 3 | 3,600 | 612 | 1,968 | 4 | 3,600 | 461 | 14,861 | | 4 | 3,600 | 612 | 2,670 | 5 | 3,600 | 576 | 18,576 | | 5 | 3,600 | 612 | 3,397 | 6 | 3,600 | 691 | 22,291 | | 6 | 3,600 | 612 | 4,149 | 7 | 3,600 | 806 | 26,006 | | 7 | 3,600 | 612 | 4,928 | 8 | 3,600 | 922 | 29,722 | | 8 | 3,600 | 612 | 5,734 | 9 | 3,600 | 1,037 | 33,437 | | 9 | 3,600 | 612 | 6,568 | 10 | 3,600 | 1,152 | 37,152 | | 10 | 3,600 | 612 | 7,431 | 11 | | 1,152 | 38,341 | | 11 | | 1,188 | 8,921 | 12 | | 1,152 | 39,568 | | 12 | | 1,188 | 10,462 | 13 | | 1,152 | 40,834 | | 13 | | 1,188 | 12,058 | 14 | | 1,152 | 42,141 | | 14 | | 1,188 | 13,710 | 15 | | 1,152 | 43,489 | | 15 | | 1,188 | 15,419 | 16 | | 1,152 | 44,881 | | 16 | | 1,188 | 17,188 | 17 | | 1,152 | 46,317 | | 17 | | 1,188 | 19,020 | 18 | | 1,152 | 47,799 | | 18 | | 1,188 | 20,915 | 19 | | 1,152 | 49,329 | | 19 | | 1,188 | 22,876 | 20 | | 37,152 | 50,907 | | 20 | | 39,326 | 62,202 | | total | 53,856 | | | | total | 56,138 | |
这是我算的,多一点咯。
银行在于你要一直换,否则你auto-renew,利息会一直降。
saving plan是lock money,让你强制性储蓄,以免有钱就乱花。
没有绝对的对与错,好与坏,只有适不适合。
|