tag:blogger.com,1999:blog-26916660.post1397344327477158830..comments2024-01-11T18:58:30.261-11:00Comments on 談心‧張宏艷: 投資,有甚麼目標?張宏艷http://www.blogger.com/profile/11004044296595244945noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-26916660.post-20210727823037097172008-04-12T04:59:00.000-11:002008-04-12T04:59:00.000-11:00張宏艷 said... joseph:謝謝你的儲蓄計劃。每個月儲蓄$20,000,倒不如買一層樓出租...張宏艷 said... <BR/><BR/>joseph:<BR/>謝謝你的儲蓄計劃。每個月儲蓄$20,000,倒不如買一層樓出租。成功的話,租客已承擔了部分費用。難怪這麼多人買樓。<BR/><BR/>妳說的對,Why we want you to be rich by Donald Trump & Robert T Kiyosaki一書有解釋~~~~~~:)<BR/><BR/>Daniel.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-26916660.post-28012803483194564392008-04-11T08:37:00.000-11:002008-04-11T08:37:00.000-11:00其实交给专业人士来为你做投资也不错,当然,他们赚你的钱,但是如果他们懂得把饼变大,那又何况? 和你一...其实交给专业人士来为你做投资也不错,当然,他们赚你的钱,但是如果他们懂得把饼变大,那又何况? 和你一样,工作很忙,还有希望多享受生活,花不起时间来学各种各样的投资工具,但是理财却又不能不做,我有MPF,储蓄基金(退休后每月收钱,直到死,不怕太长命失去预算),收租够供楼的物业,蓝筹股票投资(只做长线不会短炒),省心之余回报还算不错!<BR/><BR/>SOSOAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-26916660.post-62813021520255920462008-04-11T04:05:00.000-11:002008-04-11T04:05:00.000-11:00IRR formula!!俾番晒老師了.HAHAHAHAIRR formula!!<BR/>俾番晒老師了.<BR/>HAHAHAHAAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-26916660.post-53198684827464031042008-04-11T02:01:00.000-11:002008-04-11T02:01:00.000-11:00買樓不同, 因為它是槓桿式投資, 風險大很多. 97/98年給很多投資者一個大教訓.Joseph買樓不同, 因為它是槓桿式投資, 風險大很多. 97/98年給很多投資者一個大教訓.<BR/><BR/>JosephAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-26916660.post-64000694874276341162008-04-11T01:17:00.000-11:002008-04-11T01:17:00.000-11:00patrick:謝謝你的計算。嗯,25.9%回報,我要做大耳窿放高利貸才成...joseph:謝謝你...patrick:<BR/>謝謝你的計算。嗯,25.9%回報,我要做大耳窿放高利貸才成...<BR/><BR/>joseph:<BR/>謝謝你的儲蓄計劃。每個月儲蓄$20,000,倒不如買一層樓出租。成功的話,租客已承擔了部分費用。難怪這麼多人買樓。<BR/><BR/>讓我這個理財白痴再消化消化...張宏艷https://www.blogger.com/profile/11004044296595244945noreply@blogger.comtag:blogger.com,1999:blog-26916660.post-75515603485187896502008-04-10T23:06:00.000-11:002008-04-10T23:06:00.000-11:00不好意思, 剛才第二個情況的計算有錯誤.並不需要每月投資$27,000那麼多, 大概$20,000 ...不好意思, 剛才第二個情況的計算有錯誤.<BR/><BR/>並不需要每月投資$27,000那麼多, 大概$20,000 就足夠了. (因為預期的淨回報應該是6.7%p.a.)<BR/><BR/>JosephAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-26916660.post-65412935512851893462008-04-10T22:58:00.000-11:002008-04-10T22:58:00.000-11:00其實假如你每月都做定期投資的話,這個目標其實不難達到.假如你希望在20年後擁有$10,000,000...其實假如你每月都做定期投資的話,這個目標其實不難達到.<BR/><BR/>假如你希望在20年後擁有$10,000,000, 而你每年所需的投資回報是12% (這當然要考慮所選擇的投資工具是什麼), 那麼你每月只須投資$10,200便可達標. 可是如果要撇除通脹的影響(假如每年通脹約5%), 這樣你每月就需要投資$26,821才可達標.<BR/><BR/>JosephAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-26916660.post-37884131859132428072008-04-10T20:57:00.000-11:002008-04-10T20:57:00.000-11:00Dear Levander,assuming 12% IRR for the coming 20ye...Dear Levander,<BR/><BR/>assuming 12% IRR for the coming 20years, the expected amount you are getting in 20years with 100,000 principal should be:<BR/><BR/>100,000 * [(1 + 12%)^20] = 964,629<BR/><BR/>which is still a bit far from your 10,000,000 target.<BR/><BR/>also this is assuming that you are re-investing all the money back into the investment vehicle, so no pocket money for you in the coming 20years I'm afraid.<BR/><BR/>to get to 10,000,000 in 20 years with only 100,000 principal, the expected return should be much higher:<BR/><BR/>100,000 * [(1 + IRR%) ^ 20] = 10,000,000<BR/><BR/>IRR% = 25.9%<BR/><BR/>i.e. you need to find an investment vehicle which will generate 25.9% per annum for the coming 20years to reach your target.<BR/><BR/>good luck<BR/><BR/>PatrickAnonymousnoreply@blogger.com