累積資產試算

	A	B	D	E	F	G	H	I	J	K	L	M
1	股票年化報酬率	4%	年齡	該年初投資金額	股票投資比率	債券投資比率	該年初股票價值	該年初債券價值	該年底股票價值	該年底債券價值	該年底總值	該年底總值(double check)
2	債券年化報酬率	1%	25	240000	80%	20%	192000	48000	199680	48480	248160	248160
3			26	240000	80%	20%	391680	96480	407347.2	97444.8	504792	504792
4	黑框為可以改動的數值		27	240000	80%	20%	599347.2	145444.8	623321.088	146899.248	770220.336	770220.336
5			28	240000	80%	20%	815321.088	194899.248	847933.9315	196848.2405	1044782.172	1044782.172
6	總投資金額	12240000	29	240000	80%	20%	1039933.932	244848.2405	1081531.289	247296.7229	1328828.012	1328828.012
7	累積資產總值	22112824.88	30	240000	80%	20%	1273531.289	295296.7229	1324472.54	298249.6901	1622722.23	1622722.23
8			31	240000	80%	20%	1516472.54	346249.6901	1577131.442	349712.187	1926843.629	1926843.629
9	粗報酬率	80.66%	32	240000	80%	20%	1769131.442	397712.187	1839896.7	401689.3089	2241586.009	2241586.009
10			33	240000	80%	20%	2031896.7	449689.3089	2113172.568	454186.202	2567358.77	2567358.77
11	每年提領4%的使用金	884512.9952	34	240000	80%	20%	2305172.568	502186.202	2397379.47	507208.064	2904587.534	2904587.534
12	退休後一個月使用金	73709.41627	35	240000	80%	20%	2589379.47	555208.064	2692954.649	560760.1446	3253714.794	3253714.794
13			36	240000	80%	20%	2884954.649	608760.1446	3000352.835	614847.7461	3615200.581	3615200.581
14	此計算為純模擬計算，沒有考慮再平衡		37	240000	80%	20%	3192352.835	662847.7461	3320046.948	669476.2235	3989523.172	3989523.172
15			38	240000	80%	20%	3512046.948	717476.2235	3652528.826	724650.9858	4377179.812	4377179.812
16			39	240000	80%	20%	3844528.826	772650.9858	3998309.979	780377.4956	4778687.475	4778687.475
17			40	240000	80%	20%	4190309.979	828377.4956	4357922.379	836661.2706	5194583.649	5194583.649
18			41	360000	70%	30%	4609922.379	944661.2706	4794319.274	954107.8833	5748427.157	5748427.157
19			42	360000	70%	30%	5046319.274	1062107.883	5248172.045	1072728.962	6320901.007	6320901.007
20			43	360000	70%	30%	5500172.045	1180728.962	5720178.927	1192536.252	6912715.178	6912715.178
21			44	360000	70%	30%	5972178.927	1300536.252	6211066.084	1313541.614	7524607.698	7524607.698
22			45	360000	70%	30%	6463066.084	1421541.614	6721588.727	1435757.03	8157345.757	8157345.757
23			46	360000	70%	30%	6973588.727	1543757.03	7252532.276	1559194.601	8811726.877	8811726.877
24			47	360000	70%	30%	7504532.276	1667194.601	7804713.567	1683866.547	9488580.114	9488580.114
25			48	360000	70%	30%	8056713.567	1791866.547	8378982.11	1809785.212	10188767.32	10188767.32
26			49	360000	70%	30%	8630982.11	1917785.212	8976221.394	1936963.064	10913184.46	10913184.46
27			50	360000	70%	30%	9228221.394	2044963.064	9597350.25	2065412.695	11662762.94	11662762.94
28			51	480000	60%	40%	9885350.25	2257412.695	10280764.26	2279986.822	12560751.08	12560751.08
29			52	480000	60%	40%	10568764.26	2471986.822	10991514.83	2496706.69	13488221.52	13488221.52
30			53	480000	60%	40%	11279514.83	2688706.69	11730695.42	2715593.757	14446289.18	14446289.18
31			54	480000	60%	40%	12018695.42	2907593.757	12499443.24	2936669.695	15436112.94	15436112.94
32			55	480000	60%	40%	12787443.24	3128669.695	13298940.97	3159956.392	16458897.36	16458897.36
33			56	480000	60%	40%	13586940.97	3351956.392	14130418.61	3385475.955	17515894.56	17515894.56
34			57	480000	60%	40%	14418418.61	3577475.955	14995155.35	3613250.715	18608406.07	18608406.07
35			58	480000	60%	40%	15283155.35	3805250.715	15894481.57	3843303.222	19737784.79	19737784.79
36			59	480000	60%	40%	16182481.57	4035303.222	16829780.83	4075656.254	20905437.08	20905437.08
37			60	480000	60%	40%	17117780.83	4267656.254	17802492.06	4310332.817	22112824.88	22112824.88
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100