| 作者 |
 中老自己量身定做的退休财务模型请98DX指正 |
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laozhong
[博客]
[个人文集]
头衔: 海归元帅
声望: 大师
性别: 
加入时间: 2004/12/19
文章: 10727
来自: 苏州/天津/北京/重庆/美国
海归分: 1376775
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作者：laozhong 在 海归酒吧 发贴, 来自【海归网】 http://www.haiguinet.com
ASSUMPTIONS
RMB EXCHG RATE 6.0 BY 6/2009, 5.0 BY 6/2010, 5.0 THEREAFTER
FICA UP 3% ANNUALLY
CHINA CPI [FOR LAOZHONG'S EXPENDITURE] 3.0% [1% DURING 1997 - 2007]
LAOZHONG WILL NOT NEED THE MEDICARE IN BEIJING, HONG KONG & USA
CHONGQING'S HIGH-END MEDICARE COST WILL NOT GO UP DRASTICALLY GIVEN THE FACT CHONGQING HAS BEEN HAVING ONLY 2000 "FOREIGNERS" FOR YRS [WHILE SHANGHAI HAS MORE THAN 1 MILLION!] AND I AM VERY SURE THE NUMBER WILL NOT GO UP DRASTICALLY
MY INVETSTMENT RETURN 5% AFTER TAX [THOUGH MUCH HIGHER DURING 2001 - 2007]
===============================================
I HAVE X US$ AND Y RMB ON MY 62ND BIRTHDAY
I HAVE RETIREMENT INCOME Z US$, I.E. 6.5*Z RMB [USE THE YR'S AVERAGE EXCHG RATE]
IF I SPEND A RMB FROM MY 62ND BIRTHDAY TO 63RD BIRTHDAY, I WOULD HAVE [Y + 6.5*Z - A] RMB LEFT
ON MY 63RD BIRTHDAY, I WILL HAVE
1.05*X US$
AND
1.05*[Y + 6.5*Z - A] RMB
==============================================
FROM MY 63RD BIRTHDAY TO 64TH BIRTHDAY, MY INCOME WILL BE
1.03*Z US$, I.E. 5.5*1.03*Z RMB
IF I SPEND 1.03*A RMB FROM MY 63RD BIRTHDAY TO 64TH BIRTHDAY, I WOULD HAVE 1.05*[Y + 6.5*Z - A] + 5.5*1.03*Z - 1.03*A RMB LEFT
ON MY 64TH BIRTHDAY, I WILL HAVE
1.05*1.05*X US$
AND
1.05*[1.05*[Y + 6.5*Z - A] + 5.5*1.03*Z - 1.03*A] RMB
==============================================
USE EXCEL TO DO THIS FOR THE YRS U EXPECT TO LIVE
AND
U WILL SEE HOW MUCH LEFT AT THE MOMENT U DIE
===============================================
ADJUST A TO MAKE THE MONEY LEFT AS LITTLE AS POSSIBLE
THEN THE "FINAL A" WOULD BE THE AMOUNT U CAN SPEND FOR THE INCOMING YR WITH 3% INFLATION EACH YR THEREAFTER
===============================================
IF U WANT TO BE MORE CONSERVATIVE, ADD FIVE YRS TO UR LIFE EXPECTANCY
作者：laozhong 在 海归酒吧 发贴, 来自【海归网】 http://www.haiguinet.com
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 中老自己量身定做的退休财务模型请98DX指正 -- laozhong - (1845 Byte) 2008-5-11 周日, 16:24 (1524 reads)
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