我應如何投資儲錢?

我幫你計過，當你一開始放 2 萬，之後每個月儲 $3,000，放 3 年的話。
要有 20 萬的話，大概每年的回報要 24.025%。
在升市，如今年，24% 回報一年，勁的都去到 3x%。
但不景氣的時候，24% 唔係一定有的。好睇幫你投資果個人的實力及眼光。

只要是一年有 24% 回報的投資工具就得了。
識投資的話，可以買股票；唔太識的話，建議基金。

3000*12*2=72000
3000*12*3=108000

It will be difficult to reach to 200k. you can try, but not guaranteed.

and if someone told you that, fund can give you 30+% in return, you need to be cautious, because the market starting from 2002 to now, yes, the market did rise more than 30%, however, that doesn't mean it will continous to have such return after 2-3 years. take 15% as a high return as for a reference.

if you need help in any investment category,
feel free to email me
[email protected]

購買基金，風險較低，利率相對銀行也較高。