每月買入中行1000元，自己算的二十年利潤(rùn)
今天突發(fā)奇想，用EXCEL的自動(dòng)計(jì)算功能就很容易算出來，就做了一下。 說明：每年固定投入1000*12，年盈利28％，當(dāng)年投入年終為： 12000*（1+0.28/2）=13680 全年平均算，利潤(rùn)取半 上年結(jié)余今年年終為：上年結(jié)余*1.28 每年年終為上兩項(xiàng)相加，第一年無上年結(jié)果是不到一千萬，只有六百多萬，就多算了幾年，到二十五年。越到后面利潤(rùn)越可觀，復(fù)利的效果驚人。是不是這樣算的，對(duì)不對(duì)大家發(fā)表下看法
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年 份
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當(dāng)年投入一萬二，年終數(shù)
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上年結(jié)余*1.28
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年未
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1
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￥13,680.00
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￥0.00
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￥13,680.00
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2
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￥13,680.00
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￥17,510.40
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￥31,190.40
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|
3
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￥13,680.00
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￥39,923.71
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￥53,603.71
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|
4
|
￥13,680.00
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￥68,612.75
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￥82,292.75
|
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5
|
￥13,680.00
|
￥105,334.72
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￥119,014.72
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|
6
|
￥13,680.00
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￥152,338.84
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￥166,018.84
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|
7
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￥13,680.00
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￥212,504.12
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￥226,184.12
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|
8
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￥13,680.00
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￥289,515.67
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￥303,195.67
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9
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￥13,680.00
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￥388,090.46
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￥401,770.46
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|
10
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￥13,680.00
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￥514,266.19
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￥527,946.19
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|
11
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￥13,680.00
|
￥675,771.13
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￥689,451.13
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12
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￥13,680.00
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￥882,497.44
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￥896,177.44
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13
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￥13,680.00
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￥1,147,107.12
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￥1,160,787.12
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|
14
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￥13,680.00
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￥1,485,807.52
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￥1,499,487.52
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|
15
|
￥13,680.00
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￥1,919,344.02
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￥1,933,024.02
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|
16
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￥13,680.00
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￥2,474,270.75
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￥2,487,950.75
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17
|
￥13,680.00
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￥3,184,576.96
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￥3,198,256.96
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18
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￥13,680.00
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￥4,093,768.91
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￥4,107,448.91
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19
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￥13,680.00
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￥5,257,534.61
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￥5,271,214.61
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20
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￥13,680.00
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￥6,747,154.69
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￥6,760,834.69
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|
21
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￥13,680.00
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￥8,653,868.41
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￥8,667,548.41
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22
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￥13,680.00
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￥11,094,461.96
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￥11,108,141.96
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23
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￥13,680.00
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￥14,218,421.71
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￥14,232,101.71
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24
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￥13,680.00
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￥18,217,090.19
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￥18,230,770.19
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25
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￥13,680.00
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￥23,335,385.85
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￥23,349,065.85
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應(yīng)要求把年利改為38%，結(jié)果更是不得了。其實(shí)年利多少并不重要,關(guān)鍵是我們要按零風(fēng)險(xiǎn)操作并堅(jiān)持二十年這才是重要的，二十年后股市將給我們的恒心以豐厚的回報(bào)。零友們堅(jiān)持?。。?span lang=EN-US>
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