36歲想要退休

tzyyjeng

Assuming life expectancy is 86, retiring at 36 means there are 50 years to support. Dividing the 1500W of saving by 50 years, means 30W a year available. It is a bit shy for a comfortable living for a modern family. The interest and dividend from the stock market are nice cushion but not solid support to count on as you know stock market is unpredictable. Once retired, you might have to be more conservative to protect your nest egg.  

tzyyjeng

”被動收入每年60 存款1500“  也就是 4% 的利率。 如果算上通貨彭漲 -3% ，只有 1% 也就是第一年后只有 15万的 購買力，以后還更少， 因為 存款不增長 而通貨彭漲是復利增長。 若要維持有 60 年 （算活到 96 歲）的每年60万的 購買力， 存款要有一万万。