假設甲與乙每年投資１萬元，每年回報率假設為７％，甲只投資９年時間，而乙則於第10年才開始投資，你認為誰的回報較大?
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甲君 |
|
乙君 |
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年期 |
年岁 |
|
每年投资 |
本金及利润累算 |
|
每年投资 |
本金及利润累算 |
1 |
25 |
|
10,000 |
10,700 |
|
0 |
0 |
2 |
26 |
|
10,000 |
22,149 |
|
0 |
0 |
3 |
27 |
|
10,000 |
34,399 |
|
0 |
0 |
4 |
28 |
|
10,000 |
47,507 |
|
0 |
0 |
5 |
29 |
|
10,000 |
61,533 |
|
0 |
0 |
6 |
30 |
|
10,000 |
76,540 |
|
0 |
0 |
7 |
31 |
|
10,000 |
92,598 |
|
0 |
0 |
8 |
32 |
|
10,000 |
109,780 |
|
0 |
0 |
9 |
33 |
|
10,000 |
128,164 |
|
0 |
0 |
10 |
34 |
|
0 |
137,136 |
|
10,000 |
10,700 |
11 |
35 |
|
0 |
146,736 |
|
10,000 |
22,149 |
12 |
36 |
|
0 |
157,007 |
|
10,000 |
34,399 |
13 |
37 |
|
0 |
167,997 |
|
10,000 |
47,507 |
14 |
38 |
|
0 |
179,757 |
|
10,000 |
61,533 |
15 |
39 |
|
0 |
192,340 |
|
10,000 |
76,540 |
16 |
40 |
|
0 |
205,804 |
|
10,000 |
92,598 |
17 |
41 |
|
0 |
220,210 |
|
10,000 |
109,780 |
18 |
42 |
|
0 |
235,625 |
|
10,000 |
128,164 |
19 |
43 |
|
0 |
252,119 |
|
10,000 |
147,836 |
20 |
44 |
|
0 |
269,767 |
|
10,000 |
168,885 |
21 |
45 |
|
0 |
288,651 |
|
10,000 |
191,406 |
22 |
46 |
|
0 |
308,857 |
|
10,000 |
215,505 |
23 |
47 |
|
0 |
330,476 |
|
10,000 |
241,290 |
24 |
48 |
|
0 |
353,610 |
|
10,000 |
268,881 |
25 |
49 |
|
0 |
378,363 |
|
10,000 |
298,402 |
26 |
50 |
|
0 |
404,848 |
|
10,000 |
329,990 |
27 |
51 |
|
0 |
433,187 |
|
10,000 |
363,790 |
28 |
52 |
|
0 |
463,510 |
|
10,000 |
399,955 |
29 |
53 |
|
0 |
495,956 |
|
10,000 |
438,652 |
30 |
54 |
|
0 |
530,673 |
|
10,000 |
480,057 |
31 |
55 |
|
0 |
567,820 |
|
10,000 |
524,361 |
32 |
56 |
|
0 |
607,568 |
|
10,000 |
571,767 |
33 |
57 |
|
0 |
650,097 |
|
10,000 |
622,490 |
34 |
58 |
|
0 |
695,604 |
|
10,000 |
676,765 |
35 |
59 |
|
0 |
744,296 |
|
10,000 |
734,838 |
36 |
60 |
|
0 |
796,397 |
|
10,000 |
796,977 |
|
|
|
|
|
|
|
|
總供款: |
|
$90,000 |
|
|
$270,000 |
|
|
甲君 與 乙君 的投資回報相差不大，然而甲君早投資10年，並於第10年停止每年供款，乙君則於第10年開始進行同等額度每年供款直至最後，甲君的投資成本只於乙君 三分之一，即甲因早著先機投資而得到比乙君大３倍的回報。能夠達到這樣的結果當然是因為複息效應的關係，而當中時間值亦是令回報增大的關鍵，所以若想盡早達到理想財務目標，一定要提早計劃和開始你的儲蓄投資方案。
