每月投資月薪的K%，則N年後可以靠報酬率為生，不再工作。試算K%與N的關係。
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中華民國統計資訊網
首頁 > 主計處統計專區 > 物價指數 > 統計表 > 消費者物價指數及其年增率
http://www.stat.gov.tw/ct.asp?xItem=393&CtNode=487&mp=4
http://www.stat.gov.tw/public/data/dgbas03/bs3/inquire/cpispl.xls
民國48年1月指數：11.58
民國99年1月指數：104.70
如果根據政府的CPI來算
民國48年~民國99年的年平均通膨4.4118%
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富蘭克林坦伯頓全球投資系列-全球債券基金美元A (Mdis)股
http://tw.morningstar.com/AP/quicktake/overview.aspx?PerformanceId=0P00000L5S&activetab=Overview
http://tw.morningstar.com/AP/quicktake/NAVChart.aspx?PerformanceId=0P00000L5S&activetab=NAVChart
如果在1991/2/28投資10000元新台幣
在2011/01/13會變成50276.81元新台幣
經過19.8745年
平均每年複利報酬率8.4650595%
若我投資這檔基金，每月投資月薪的K%，則N年後可以靠這基金的報酬率為生，不再工作
(假設基金賺的錢只能花1/H)
若H=2
試算K%與N的關係
給定K%求N
N >= log(H/K%+1)/log((1+報酬率)/(1+物價指數年增率))
存錢K% 所需年數N
1 139.2492904
2 121.1795792
3 110.6629151
4 103.2382522
5 97.50755128
6 92.84809187
7 88.92769862
8 85.54809481
9 82.58138993
10 79.94026301
11 77.56243313
12 75.40191579
13 73.42379113
14 71.60091652
15 69.91177616
16 68.33902598
17 66.86848058
18 65.48839007
19 64.18891272
20 62.96172312
21 61.7997159
22 60.69677854
23 59.64761468
24 58.6476051
25 57.69269703
26 56.77931527
27 55.90429001
28 55.06479785
29 54.25831314
30 53.48256757
31 52.73551638
32 52.01531001
33 51.32027001
34 50.64886862
35 49.99971125
36 49.37152153
37 48.76312828
38 48.17345432
39 47.60150668
40 47.04636807
41 46.50718942
42 45.98318324
43 45.4736179
44 44.97781242
45 44.49513196
46 44.02498371
47 43.56681334
48 43.12010168
49 42.68436187
50 42.25913674
51 41.84399643
52 41.43853627
53 41.04237489
54 40.65515245
55 40.27652905
56 39.90618331
57 39.54381104
58 39.18912405
59 38.84184908
60 38.50172674
61 38.16851061
62 37.84196645
63 37.52187132
64 37.20801296
65 36.90018906
66 36.59820669
67 36.3018817
68 36.01103826
69 35.72550828
70 35.44513105
71 35.16975277
72 34.89922619
73 34.63341021
74 34.3721696
75 34.11537461
76 33.86290076
77 33.61462851
78 33.370443
79 33.13023386
80 32.89389493
81 32.66132408
82 32.43242298
83 32.20709698
84 31.98525486
85 31.76680869
86 31.5516737
87 31.33976812
88 31.13101302
89 30.92533221
90 30.7226521
91 30.52290159
92 30.32601196
93 30.13191677
94 29.94055175
95 29.75185473
96 29.56576552
97 29.38222585
98 29.20117929
99 29.02257118
100 28.84634851
給定N求K%
K% >= H/(((1+報酬率)/(1+物價指數年增率))^N-1)
所需年數N 存錢K%
1 5152.050327
2 2526.977173
3 1652.375698
4 1215.391915
5 953.4549495
6 779.0411187
7 654.6402196
8 561.4971058
9 489.1922117
10 431.4737622
11 384.363323
12 345.2085754
13 312.1732721
14 283.9457837
15 259.5642259
16 238.3071649
17 219.6228969
18 203.0823008
19 188.3465804
20 175.1446832
21 163.2571713
22 152.504491
23 142.7383029
24 133.8349788
25 125.6906603
26 118.2174566
27 111.3404883
28 104.9955638
29 99.12733734
30 93.68783448
31 88.63526375
32 83.93305071
33 79.54904777
34 75.45488341
35 71.62542304
36 68.03831962
37 64.67363722
38 61.51353401
39 58.54199399
40 55.744599
41 53.10833407
42 50.62142058
43 48.27317273
44 46.0538735
45 43.95466727
46 41.96746633
47 40.08486937
48 38.30009019
49 36.60689508
50 34.99954776
51 33.47276072
52 32.02165231
53 30.64170852
54 29.32874914
55 28.07889752
56 26.88855363
57 25.75436988
58 24.67322955
59 23.64222729
60 22.65865162
61 21.7199692
62 20.82381052
63 19.96795701
64 19.15032936
65 18.36897687
66 17.62206784
67 16.90788072
68 16.22479614
69 15.57128954
70 14.94592449
71 14.34734655
72 13.77427764
73 13.22551087
74 12.69990577
75 12.19638396
76 11.71392506
77 11.251563
78 10.80838261
79 10.38351636
80 9.976141508
81 9.585477323
82 9.210782563
83 8.851353133
84 8.506519896
85 8.175646647
86 7.858128218
87 7.553388718
88 7.260879886
89 6.980079556
90 6.710490225
91 6.451637708
92 6.203069885
93 5.964355521
94 5.735083166
95 5.514860122
96 5.303311468
97 5.100079148
98 4.904821118
99 4.717210532
100 4.536934988
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富蘭克林坦伯頓全球投資系列-新興國家固定收益基金美元A (Qdis)股
http://tw.morningstar.com/ap/quicktake/overview.aspx?PerformanceId=0P00000B14&activetab=Overview
http://tw.morningstar.com/AP/quicktake/NAVChart.aspx?PerformanceId=0P00000B14&activetab=NAVChart
如果在1991/7/5投資10000元新台幣
在2011/01/13會變成80200.26元新台幣
經過19.5268年
平均每年複利報酬率11.2511281%
若我投資這檔基金，每月投資月薪的K%，則N年後可以靠這基金的報酬率為生，不再工作
(假設基金賺的錢只能花1/H)
若H=2
試算K%與N的關係
給定K%求N
N >= log(H/K%+1)/log((1+報酬率)/(1+物價指數年增率))
存錢K% 所需年數N
1 83.58645522
2 72.73984262
3 66.42705876
4 61.97029454
5 58.53035619
6 55.73344646
7 53.38017217
8 51.35151478
9 49.5707061
10 47.98533043
11 46.55800273
12 45.2611201
13 44.07372138
14 42.97951382
15 41.96558222
16 41.02151557
17 40.13879884
18 39.31037901
19 38.53034843
20 37.79370964
21 37.09619754
22 36.43414301
23 35.80436682
24 35.20409621
25 34.63089845
26 34.08262748
27 33.55738057
28 33.05346293
29 32.56935851
30 32.1037057
31 31.65527713
32 31.22296255
33 30.80575447
34 30.40273581
35 30.01306946
36 29.63598924
37 29.27079216
38 28.9168316
39 28.57351153
40 28.24028134
41 27.91663134
42 27.60208885
43 27.29621468
44 26.99860008
45 26.70886396
46 26.42665049
47 26.15162692
48 25.88348161
49 25.62192232
50 25.36667462
51 25.11748047
52 24.87409699
53 24.63629524
54 24.40385922
55 24.1765849
56 23.95427936
57 23.73676002
58 23.52385389
59 23.31539693
60 23.11123344
61 22.91121551
62 22.71520253
63 22.52306067
64 22.33466253
65 22.14988666
66 21.96861725
67 21.79074378
68 21.61616068
69 21.44476707
70 21.27646647
71 21.11116657
72 20.94877897
73 20.78921898
74 20.63240542
75 20.47826041
76 20.32670924
77 20.17768013
78 20.03110415
79 19.88691505
80 19.74504909
81 19.60544498
82 19.4680437
83 19.33278842
84 19.19962439
85 19.06849883
86 18.93936086
87 18.81216139
88 18.68685304
89 18.56339008
90 18.44172833
91 18.32182512
92 18.20363919
93 18.08713067
94 17.97226098
95 17.85899278
96 17.74728997
97 17.63711756
98 17.52844167
99 17.4212295
100 17.31544923
給定N求K%
K% >= H/(((1+報酬率)/(1+物價指數年增率))^N-1)
所需年數N 存錢K%
1 3053.297601
2 1478.234442
3 953.917174
4 692.2853181
5 535.7264425
6 431.7027928
7 357.6979541
8 302.4535169
9 259.7146332
10 225.7282394
11 198.1058846
12 175.2551462
13 156.073468
14 139.773212
15 125.7766892
16 113.6505535
17 103.0633518
18 93.75722376
19 85.52853818
20 78.21433928
21 71.68266504
22 65.82550622
23 60.55360218
24 55.79253773
25 51.47977675
26 47.56238042
27 43.99523241
28 40.73964442
29 37.76225018
30 35.03412065
31 32.53005037
32 30.22797763
33 28.10851001
34 26.15453353
35 24.35088887
36 22.68410136
37 21.1421548
38 19.71430087
39 18.39089785
40 17.16327343
41 16.02360756
42 14.96483196
43 13.98054363
44 13.06493002
45 12.21270423
46 11.41904849
47 10.67956491
48 9.990232239
49 9.347367958
50 8.747594799
51 8.187811208
52 7.66516515
53 7.177030847
54 6.720988059
55 6.294803589
56 5.896414739
57 5.523914468
58 5.175538063
59 4.849651133
60 4.544738781
61 4.259395811
62 3.99231787
63 3.742293403
64 3.50819635
65 3.288979499
66 3.083668426
67 2.891355965
68 2.711197153
69 2.542404605
70 2.384244272
71 2.236031548
72 2.0971277
73 1.966936581
74 1.844901597
75 1.730502924
76 1.623254933
77 1.522703811
78 1.428425369
79 1.340023005
80 1.257125831
81 1.179386923
82 1.106481709
83 1.038106475
84 0.973976963
85 0.913827089
86 0.857407738
87 0.804485644
88 0.754842357
89 0.708273268
90 0.664586713
91 0.623603134
92 0.58515429
93 0.549082534
94 0.515240129
95 0.483488611
96 0.453698197
97 0.425747235
98 0.399521677
99 0.374914607
100 0.35182578
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給定N，K%，求報酬率
(1+報酬率)/(1+物價指數年增率) = (H/K%+1)^(1/N)
報酬率 = (H/K%+1)^(1/N)*(1+物價指數年增率)-1
假設每月投資月薪的50%，希望10年後可以靠報酬率為生
若物價指數年增率為0
每年平均報酬率需要大於17.4618943%
若物價指數年增率為4.4118443%
每年平均報酬率需要大於22.6441302%
假設每月投資月薪的10%，希望10年後可以靠報酬率為生
若物價指數年增率為0
每年平均報酬率需要大於35.5882107%
若物價指數年增率為4.4118443%
每年平均報酬率需要大於41.5701514%
假設每月投資月薪的1/12，希望10年後可以靠報酬率為生
若物價指數年增率為0
每年平均報酬率需要大於37.9729661%
若物價指數年增率為4.4118443%
每年平均報酬率需要大於44.0601186%
假設每月投資月薪的1%，希望10年後可以靠報酬率為生
若物價指數年增率為0
每年平均報酬率需要大於69.9493883%
若物價指數年增率為4.4118443%
每年平均報酬率需要大於77.4472907%
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所以要靠投資報酬率維生，不再工作。
只有幾種可能
1.正常報酬率(一般被動投資報酬率)，但是要工作到老死都還沒辦法靠投資報酬率維生
2.異常高的不合理的報酬率
3.做騙子靠詐欺賺大錢
造神，代操(AB單洗客戶錢，收管理費)，收會員費，資訊費，手續費，顧問費，賣課程，賣軟體，賣書......
之類的
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