HOW MUCH FOR RETIREMENT

bluesky77

<p>反过来说如果我现在有200万，全部用来投资风险比较小的全球股票基金，每年扣掉通货膨胀后的回报为5%。 </p><p>$2，000，000 * 5% = $100，000</p><p>$100,000/12= $8,300</p><p>每个月开销$8,300应该很充足了，所以任何时候只要我有200万，我就可以高枕无忧的退休了？现在去买TOTO。</p>

逍遥居士

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>birdhugecn</i>在2007-7-18 22:44:00的发言：</b><br/><p>Great to see some valuable comments. </p><p>My assumptions&nbsp;are as follows: &nbsp;</p><p>Retirement age: 55 (although govt encourages to recruit older workers, the potential and pay of the older workers are highly limited, at such age, the best is not to work for money)</p><p>Inflation rate: 5-7% (the published inflation rate may not include some critical items, eg, housing/rental, given rental is the largest part of cost of doing biz in Spore, if rental increase as those analysts predict, the cost of living in Spore will increase substantially in the coming yrs; another big ticket item is salaries of employees, which coudl also affect the cost of biz significantly; medical exp and etc are increasing much faster than the average CPI); In general, what I believe Spore is going to a business and entertainment centre for Asia, and targeting&nbsp;to attract the rich and super rich people. </p><p>&nbsp;Monthly exp: this is really based on individual requirement, currently I am using 10.8k future value or 4k current value</p><p></p><p>After setting the requirement, then a big Q is how to achieve it. Assuming the net&nbsp;saving of a small family is 50k per annual, so the required return in real term (without inflation) would be 15% in 20 yrs to achieve $5m. I am not sure which fund can provide a 15% return in real term. </p></div><p>&nbsp;&nbsp;&nbsp;&nbsp; 也就是说要达到20年后有500万元的目标，现在每个月应能有S$50,000/12=<strong>S$4,167</strong>的<font color="#ff0066">结余</font>，用其投入<font size="4">达到年15%的回报的投资 </font></p>[em07][em07][em04][em04]