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Re: 親子教育基金—積少成多計劃
I am sorry to say your calculation is somewhat misleading.
1. I calculate the return by financial calculator
Monthy contribution = HK$ 600 (PMT)
Period = 18X 12 = 216 month (n)
growth = 5% /12 = 0.416666 (I) (5% per year is reasonable)
Furture value = HK$ 210,394 at (beginning mode)
Why do you believe it cannot be achieved?
If you add the inflation factor onto the calculation, fine. say, 3% per year, 200000 X 18 ^1.03 = 340,487
If monthly contribution still remain HK$ 600, if annual return = 9.43% , is it non-achievable????
2. "利息高銀行幾十倍添" What is your evidence and calculation for such comment?
3. Did you read the code of practice of SFC?? Practitioners are not allowed to mislead the prospect with exaggerated statement. Please note!!
financial_planner 寫道:
600-800元當然可以做到，但到可以提取現金的同時，未必可以應付到當時的開支。所以我用一千元來做中位數，因為教育基金通常每月儲千五元。剛出世一個月的小寶寶已可做這類基金了。每月六百元無可能在十八年後儲到二十萬呢。 |
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發表於 05-5-19 23:17
