1.0Fortune Insighthttps://prime.fortuneinsight.com/web陳信念https://prime.fortuneinsight.com/web/posts/author/chanshunlimrich600338<blockquote class="wp-embedded-content"><a href="https://prime.fortuneinsight.com/web/posts/728902">財自密碼（一）</a></blockquote> <script type='text/javascript'> <!--//--><![CDATA[//><!-- !function(c,d){"use strict";var e=!1,n=!1;if(d.querySelector)if(c.addEventListener)e=!0;if(c.wp=c.wp||{},!c.wp.receiveEmbedMessage)if(c.wp.receiveEmbedMessage=function(e){var t=e.data;if(t)if(t.secret||t.message||t.value)if(!/[^a-zA-Z0-9]/.test(t.secret)){for(var r,a,i,s=d.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),n=d.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),o=0;o<n.length;o++)n[o].style.display="none";for(o=0;o<s.length;o++)if(r=s[o],e.source===r.contentWindow){if(r.removeAttribute("style"),"height"===t.message){if(1e3<(i=parseInt(t.value,10)))i=1e3;else if(~~i<200)i=200;r.height=i}if("link"===t.message)if(a=d.createElement("a"),i=d.createElement("a"),a.href=r.getAttribute("src"),i.href=t.value,i.host===a.host)if(d.activeElement===r)c.top.location.href=t.value}}},e)c.addEventListener("message",c.wp.receiveEmbedMessage,!1),d.addEventListener("DOMContentLoaded",t,!1),c.addEventListener("load",t,!1);function t(){if(!n){n=!0;for(var e,t,r=-1!==navigator.appVersion.indexOf("MSIE 10"),a=!!navigator.userAgent.match(/Trident.*rv:11\./),i=d.querySelectorAll("iframe.wp-embedded-content"),s=0;s<i.length;s++){if(!(e=i[s]).getAttribute("data-secret"))t=Math.random().toString(36).substr(2,10),e.src+="#?secret="+t,e.setAttribute("data-secret",t);if(r||a)(t=e.cloneNode(!0)).removeAttribute("security"),e.parentNode.replaceChild(t,e)}}}}(window,document); //--><!]]> </script><iframe sandbox="allow-scripts" security="restricted" src="https://prime.fortuneinsight.com/web/posts/728902/embed" width="600" height="338" title="“財自密碼（一）” — Fortune Insight" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe>https://prime-fortuneinsight-cloud.s3.ap-southeast-1.amazonaws.com/web/wp-content/uploads/2023/03/05115851/Screenshot-2023-03-05-at-4.58.14-PM.png7861166最近拜讀Grant Sabatier嘅 Financial Freedom：A Proven Path to All the Money You Will Ever Need 呢本書暫時係我覺得寫關於財務自由最好嘅一本書，而佢嘅核心理論係magic of compounding，透過複利效應同埋時間嚟令你嘅錢成長。書入面講嘅人全部3X歲就財自。股神都講複利效應同埋時間係你最好嘅朋友，但基本上體會到呢一點嘅年輕人少之有少。因為短炒嘅刺激感實在太大。 最簡單計算財自方法就係你可以從利息收取到你每年嘅生活費。例如你每月洗$30,000，年洗$360,000，只要你有$9,000,000每年有4%息就搞掂。 但呢個數字其實並未計算你嘅本金增長。如呢本書假設7%回報，其實你只要$5,502,857就搞掂。計算方法為(X – 360,000)*1.07% = X; X=5,502,857 再簡單D講就係如果你有$5,600,000，年頭拎走$360,000，剩$5,240,000，年尾回報$5,240,000*0.07 = $366,800. 你嘅本金數目會變成$5,606,800 7%回報係咪好難？最直接嘅方法係長線投資指數基金。原來指數做到7%唔係難事。以下係S&P過去表現（5年嘅倍數黎計嘅平均回報）。 Last 5 years (2016-2021): Average Annual Return: 13.8% Last 10 years (2011-2021): Average Annual Return: 13.9% Last 15 years (2006-2021): Average Annual Return: 9.5% Last 20 […]