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旧 Nov 16th, 2006, 13:35     #1
油大
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Question 【求助】RESP问题请教

如果每年投入2000,加上政府的400,每年收益按6%,18年下来最终连本带利7.8万。一个小孩上大学四年够吗?俺的计算有问题吗?

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旧 Nov 17th, 2006, 17:53   只看该作者   #2
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默认

你的计算没错, 准确讲数字在至少 74K, 问题是在于你的6%, 连续十八年的6%可不是说说就可以拿来用的....

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作者: 油大
如果每年投入2000,加上政府的400,每年收益按6%,18年下来最终连本带利7.8万。一个小孩上大学四年够吗?俺的计算有问题吗?
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旧 Nov 18th, 2006, 02:08   只看该作者   #3
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默认

引用:
作者: 油大
如果每年投入2000,加上政府的400,每年收益按6%,18年下来最终连本带利7.8万。一个小孩上大学四年够吗?俺的计算有问题吗?
没有问题,6%是比较保守的数字,一般的投资公司都可以做到的。但是如果你自己选择投资品种就很难说了。如果你没有金融背景,建议你去做GROUP计划。
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旧 Nov 25th, 2006, 16:03   只看该作者   #4
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默认

按现在的物价应该是够了, 但是18年后就不好说了.
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旧 Nov 25th, 2006, 23:40   只看该作者   #5
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默认

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作者: Aprils_Fool
你的计算没错, 准确讲数字在至少 74K, 问题是在于你的6%, 连续十八年的6%可不是说说就可以拿来用的....
如果做GROUP计划,从过去40年的数据看,6%是没有问题的。就是911那一年也没有低于此数据的
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旧 Jan 3rd, 2007, 19:07   只看该作者   #6
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Talking

虽然有人说,不能拿孩子的钱开玩笑,但我认为如果你有点金融知识,或曾经在国内炒过股票,你可以试试自己开个账户自己投资管理。

我曾经看过银行的group resp的增涨率不过6%左右,而我的现在一年增长率已经达到33%。你可以试试,不行再转也不迟。
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旧 Jan 3rd, 2007, 19:58   只看该作者   #7
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默认

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作者: 油大 查看帖子
如果每年投入2000,加上政府的400,每年收益按6%,18年下来最终连本带利7.8万。一个小孩上大学四...
你知道EXCEL里面有个函数FV吗?

用这个函数,知道利率,每期投资额,投资期数等等,可以算出未来投资收益是多少.

我以前存过一篇关于这个函数使用的实例,日子久了忘记存在哪里了,我又没有装EXCEL在电脑里.

你GOOGLE一下,应该能查出来具体使用方法.很容易算的.

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旧 Jan 7th, 2007, 13:17   只看该作者   #8
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默认

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作者: bbqbbq 查看帖子
你知道EXCEL里面有个函数FV吗?

用这个函数,知道利率,每期投资额,投资期数等等,可以算出未来投资收益是多少.

...
帮你算一下:$74,173.57
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