每月买入中行1000元,自己算的二十年利润
今天突发奇想,用EXCEL的自动计算功能就很容易算出来,就做了一下。 说明:每年固定投入1000*12,年盈利28%,当年投入年终为: 12000*(1+0.28/2)=13680 全年平均算,利润取半 上年结余今年年终为:上年结余*1.28 每年年终为上两项相加,第一年无上年结果是不到一千万,只有六百多万,就多算了几年,到二十五年。越到后面利润越可观,复利的效果惊人。是不是这样算的,对不对大家发表下看法
年 份 | 当年投入一万二,年终数 | 上年结余*1.28 | 年未 |
1 | ¥13,680.00 | ¥0.00 | ¥13,680.00 |
2 | ¥13,680.00 | ¥17,510.40 | ¥31,190.40 |
3 | ¥13,680.00 | ¥39,923.71 | ¥53,603.71 |
4 | ¥13,680.00 | ¥68,612.75 | ¥82,292.75 |
5 | ¥13,680.00 | ¥105,334.72 | ¥119,014.72 |
6 | ¥13,680.00 | ¥152,338.84 | ¥166,018.84 |
7 | ¥13,680.00 | ¥212,504.12 | ¥226,184.12 |
8 | ¥13,680.00 | ¥289,515.67 | ¥303,195.67 |
9 | ¥13,680.00 | ¥388,090.46 | ¥401,770.46 |
10 | ¥13,680.00 | ¥514,266.19 | ¥527,946.19 |
11 | ¥13,680.00 | ¥675,771.13 | ¥689,451.13 |
12 | ¥13,680.00 | ¥882,497.44 | ¥896,177.44 |
13 | ¥13,680.00 | ¥1,147,107.12 | ¥1,160,787.12 |
14 | ¥13,680.00 | ¥1,485,807.52 | ¥1,499,487.52 |
15 | ¥13,680.00 | ¥1,919,344.02 | ¥1,933,024.02 |
16 | ¥13,680.00 | ¥2,474,270.75 | ¥2,487,950.75 |
17 | ¥13,680.00 | ¥3,184,576.96 | ¥3,198,256.96 |
18 | ¥13,680.00 | ¥4,093,768.91 | ¥4,107,448.91 |
19 | ¥13,680.00 | ¥5,257,534.61 | ¥5,271,214.61 |
20 | ¥13,680.00 | ¥6,747,154.69 | ¥6,760,834.69 |
21 | ¥13,680.00 | ¥8,653,868.41 | ¥8,667,548.41 |
22 | ¥13,680.00 | ¥11,094,461.96 | ¥11,108,141.96 |
23 | ¥13,680.00 | ¥14,218,421.71 | ¥14,232,101.71 |
24 | ¥13,680.00 | ¥18,217,090.19 | ¥18,230,770.19 |
25 | ¥13,680.00 | ¥23,335,385.85 | ¥23,349,065.85 |
应要求把年利改为38%,结果更是不得了。其实年利多少并不重要,关键是我们要按零风险操作并坚持二十年这才是重要的,二十年后股市将给我们的恒心以丰厚的回报。零友们坚持!!!
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