原文: 踏上財務自由之路
觀看過不少財自Blog的網誌,亦慢慢明白累積資產的重要,今天十月十日雙十節,開始踏出自己財自的第一步,本身不太愛寫文章,語文水平都唔太好,所以隨心所寫算,俾自已做紀錄為主。
首先訂立目標(第一個十年)
1. 每年儲蓄$100,000(夠晒貼地)
2. 每年買入十萬元等值的資產(前提是能夠產生現金流的資產)
3. 買入的資產能產生的現金流不低於每年5%(保守型資產為3%)
4. 如沒有更合適的投資時不輕易沽出手上資產
5. 除非所買入的資產已變質並且未來幾年都難而改變便會沽出
6. 假設十年內沒有特大變動十年後的結果如下:
年期 | 年份 | 儲蓄 | 投入 | 回報(5%) | 年度結餘 | 平均每月現金流 |
1 | 2018 | 100,000.00 | 100,000.00 | 5,000.00 | 105,000.00 | 416.67 |
2 | 2019 | 100,000.00 | 205,000.00 | 10,250.00 | 215,250.00 | 854.17 |
3 | 2020 | 100,000.00 | 315,250.00 | 15,762.50 | 331,012.50 | 1,313.54 |
4 | 2021 | 100,000.00 | 431,012.50 | 21,550.63 | 452,563.13 | 1,795.89 |
5 | 2022 | 100,000.00 | 552,563.13 | 27,628.16 | 580,191.28 | 2,302.35 |
6 | 2023 | 100,000.00 | 680,191.28 | 34,009.56 | 714,200.85 | 2,834.13 |
7 | 2024 | 100,000.00 | 814,200.85 | 40,710.04 | 854,910.89 | 3,392.50 |
8 | 2025 | 100,000.00 | 954,910.89 | 47,745.54 | 1,002,656.43 | 3,978.80 |
9 | 2026 | 100,000.00 | 1,102,656.43 | 55,132.82 | 1,157,789.25 | 4,594.40 |
10 | 2027 | 100,000.00 | 1,257,789.25 | 62,889.46 | 1,320,678.72 | 5,240.79 |
*以上為最保守情況及沒計算資產升值後的價值
年期 | 年份 | 儲蓄 | 投入 | 回報(5%) | 年度結餘 | 平均每月現金流 |
11 | 2028 | 100,000.00 | 1,420,678.72 | 71,033.94 | 1,491,712.66 | 5,919.49 |
12 | 2029 | 100,000.00 | 1,591,712.66 | 79,585.63 | 1,671,298.29 | 6,632.14 |
13 | 2030 | 100,000.00 | 1,771,298.29 | 88,564.91 | 1,859,863.20 | 7,380.41 |
14 | 2031 | 100,000.00 | 1,959,863.20 | 97,993.16 | 2,057,856.36 | 8,166.10 |
15 | 2032 | 100,000.00 | 2,157,856.36 | 107,892.82 | 2,265,749.18 | 8,991.07 |
16 | 2033 | 100,000.00 | 2,365,749.18 | 118,287.46 | 2,484,036.64 | 9,857.29 |
17 | 2034 | 100,000.00 | 2,584,036.64 | 129,201.83 | 2,713,238.47 | 10,766.82 |
18 | 2035 | 100,000.00 | 2,813,238.47 | 140,661.92 | 2,953,900.40 | 11,721.83 |
19 | 2036 | 100,000.00 | 3,053,900.40 | 152,695.02 | 3,206,595.42 | 12,724.58 |
20 | 2037 | 100,000.00 | 3,306,595.42 | 165,329.77 | 3,471,925.19 | 13,777.48 |
21 | 2038 | 100,000.00 | 3,571,925.19 | 178,596.26 | 3,750,521.45 | 14,883.02 |
22 | 2039 | 100,000.00 | 3,850,521.45 | 192,526.07 | 4,043,047.52 | 16,043.84 |
23 | 2040 | 100,000.00 | 4,143,047.52 | 207,152.38 | 4,350,199.89 | 17,262.70 |
24 | 2041 | 100,000.00 | 4,450,199.89 | 222,509.99 | 4,672,709.89 | 18,542.50 |
25 | 2042 | 100,000.00 | 4,772,709.89 | 238,635.49 | 5,011,345.38 | 19,886.29 |
26 | 2043 | 100,000.00 | 5,111,345.38 | 255,567.27 | 5,366,912.65 | 21,297.27 |
27 | 2044 | 100,000.00 | 5,466,912.65 | 273,345.63 | 5,740,258.29 | 22,778.80 |
28 | 2045 | 100,000.00 | 5,840,258.29 | 292,012.91 | 6,132,271.20 | 24,334.41 |
29 | 2046 | 100,000.00 | 6,232,271.20 | 311,613.56 | 6,543,884.76 | 25,967.80 |
30 | 2047 | 100,000.00 | 6,643,884.76 | 332,194.24 | 6,976,079.00 | 27,682.85 |
30年後平均每月被動收入為27000以上,基本上已足夠應付日常開支達至財務自由
財務自由每個人不同,個人目標足夠應付日常開支已足夠
當然最終目標有一千萬資產以上最好