✔ 最佳答案
7 years is just a medium term investment (not long term). I prefer to take not a risky investment.
Risky level:
Stock: medium (ignore the short term fluctuation)
currency: high (high votilatity and political factor)
fund: low (high management fee)
Calculation:
Required Amount at Age 30 = $1.2m x 25% + $200,000 for wedding = $0.5m
Saving = $4.5k/month
The required investment return should be approximate 8%.
8% personal investment return is little bit high (consistent for 7 yrs not just short term return). it is better to adjust the requirement, say reduce the amount for wedding by half and then use bridging loan the cover the another half. You should be able to recover your cost from 人情
Calculation:
Required Amount at Age 30 = $1.2m x 25% + $200,000 / 2 for wedding = $0.4m
Saving = $4.5k/month
The required investment return should be approximate 1.6%.
This seems very low and achivable. Lets see if we have 4% return, what amount do we have?
It is $0.45m
It is suggested to choose big blue stock, and buy it monthly through some program offer by bank. They allow you to buy less than 1 手.