替我算出退休金

2007-09-02 10:35 am
我三十五歲,打算五十五歲退休,若我七+五歲命,每月要駛九千蚊,退休二十年,連通脤,我要準備?錢,依家起每月要儲?錢呢?

回答 (3)

2007-09-02 7:54 pm
✔ 最佳答案
我是用通帳 3.5% 去計劃 (現在通帳常為 3%~4% 這範圍內)

退休 20 年,每月用 $9,000,即等於現在的 $18,105.32 (以將來值去計算)

而在你 55 歲時,要有 $3,752,044.47 先可以確保每月用 $9,000

如果以今日的價值去計,即是需要 $1,865,109.45 就可以了。

用 20 年的時間去儲到 $3,752,044.47,以每月增長 9% 計算,即是每月要儲 $5575.965
參考: 財富管理論壇(討論區) http://financial.3forum.hk
2007-09-05 11:37 pm
you have to specify your expected long term investment yield, inflation rate, and your rate of increase of expediture over that period. Your expediture won't level over time.
2007-09-03 11:01 pm
Do You already have an Orso or MPF plan ?
Can they have the relevant return to support your retirement ?
Do you want to save more ?
Send me an email and I have some savings plan for you.
[email protected]


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