公務員理財規劃研究 請幫忙指正 - 公職

By Olivia
at 2010-02-17T16:33
at 2010-02-17T16:33
Table of Contents
最近再研究股息
發現很多股票是所謂的定存股
就是股價長年不變
可是每年發給5~9%的利息(如中華電信 中鋼...這種)
可以想像成是一個7%的定存
於是我就想到
公務員三等/國營/穩定傳產/穩定不操科技業 人員
通常3~4年年資 年薪加一加 約將近70萬
可以年存50萬開始 每年花費20萬來生活
每年增加2萬存款(就是把加薪幅度都存進去)
公務員頂約年入100萬 所以後期以存80萬為主
國營人員 可以再上去
存了25年 並且年利率以7%計算
算出錢滾錢真的利率驚人
以下以萬為單位
年份 投入 總值 加息總值 淨賺利息
1 50 50.00 53.50 3.50
2 52 105.50 112.89 7.39
3 54 166.89 178.57 11.68
4 56 234.57 250.99 16.42
5 58 308.99 330.62 21.63
6 60 390.62 417.96 27.34
7 62 479.96 513.56 33.60
8 64 577.56 617.98 40.43
9 66 683.98 731.86 47.88
10 68 799.86 855.85 55.99
11 70 925.85 990.66 64.81
12 72 1062.66 1137.05 74.39
13 74 1211.05 1295.82 84.77
14 76 1371.82 1467.85 96.03
15 78 1545.85 1654.06 108.21
16 80 1734.06 1855.45 121.38
17 80 1935.45 2070.93 135.48
18 80 2150.93 2301.49 150.56
19 80 2381.49 2548.20 166.70
20 80 2628.20 2812.17 183.97
21 80 2892.17 3094.62 202.45
22 80 3174.62 3396.85 222.22
23 80 3476.85 3720.22 243.38
24 80 3800.22 4066.24 266.02
25 80 4146.24 4436.48 290.24
如果順利的話
大約工作30年 就可以每年領利息290萬
並且擁有4400萬左右的存款
後來我覺得 國營人員跟公務員爭的月退俸
其實比起這樣的利息來說
跟本只是一點點 不足為慮
想想看 國營人員通常到頂年收130萬以上
比一般公務員高約30萬
這些金額拿去理財 以後每個月可以拿的金額遠高於月退吧
如果有考量不周的地方 請指正
--
發現很多股票是所謂的定存股
就是股價長年不變
可是每年發給5~9%的利息(如中華電信 中鋼...這種)
可以想像成是一個7%的定存
於是我就想到
公務員三等/國營/穩定傳產/穩定不操科技業 人員
通常3~4年年資 年薪加一加 約將近70萬
可以年存50萬開始 每年花費20萬來生活
每年增加2萬存款(就是把加薪幅度都存進去)
公務員頂約年入100萬 所以後期以存80萬為主
國營人員 可以再上去
存了25年 並且年利率以7%計算
算出錢滾錢真的利率驚人
以下以萬為單位
年份 投入 總值 加息總值 淨賺利息
1 50 50.00 53.50 3.50
2 52 105.50 112.89 7.39
3 54 166.89 178.57 11.68
4 56 234.57 250.99 16.42
5 58 308.99 330.62 21.63
6 60 390.62 417.96 27.34
7 62 479.96 513.56 33.60
8 64 577.56 617.98 40.43
9 66 683.98 731.86 47.88
10 68 799.86 855.85 55.99
11 70 925.85 990.66 64.81
12 72 1062.66 1137.05 74.39
13 74 1211.05 1295.82 84.77
14 76 1371.82 1467.85 96.03
15 78 1545.85 1654.06 108.21
16 80 1734.06 1855.45 121.38
17 80 1935.45 2070.93 135.48
18 80 2150.93 2301.49 150.56
19 80 2381.49 2548.20 166.70
20 80 2628.20 2812.17 183.97
21 80 2892.17 3094.62 202.45
22 80 3174.62 3396.85 222.22
23 80 3476.85 3720.22 243.38
24 80 3800.22 4066.24 266.02
25 80 4146.24 4436.48 290.24
如果順利的話
大約工作30年 就可以每年領利息290萬
並且擁有4400萬左右的存款
後來我覺得 國營人員跟公務員爭的月退俸
其實比起這樣的利息來說
跟本只是一點點 不足為慮
想想看 國營人員通常到頂年收130萬以上
比一般公務員高約30萬
這些金額拿去理財 以後每個月可以拿的金額遠高於月退吧
如果有考量不周的地方 請指正
--
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