第一項研究的是醫保(人壽+危疾)。

黑師兄提供了兩個選擇,一是「卓越人生」保障計劃,二是五年定期綜合保障計劃。

前者是供款過了若干年後如果健在,可以得到若干金額,所以黑師兄將之比喻為供樓。

後者是供款過了若干年後如果健在,不可以得到任何金額,而且七十五歲後就不能續保,所以黑師兄將之比喻為租樓。

假設萬一出事後希望獲得保證一百零一萬四千元的賠償,基金回報9%。

供樓計劃如下:
月供一千零二十四元,供七十五年,保一世,第三年仍然健在則開始有投資回報,第三年$382.2,最後一年$19,052,334.6,中間逐年遞增。

租樓計劃如下:
保費每五年一期,供五十年,三十歲前月供$223.08,七十至七十五歲時預算月供$7574.58,七十五歲後不能續保。

驟眼一看供樓長遠比租樓好,一來一定有回報,二來七十五歲後亦有保障。但假設租樓後早期把差額拿去投資基金,後期用基金填補差額,計算結果如下:

如果七十五歲前出事,租樓計劃回報每年都比供樓好,廿五歲出事就1,014,000 vs 1,020,112.09,七十四歲就5,205,330 vs 5,353,994.36,差額最大是約六十四歲的2,666,118 vs 3,306,306.26,比例差最大是約五十四歲的1,621,807 vs 2,152,888.92。如果七十五歲後出事,供樓就比租樓好,但差距逐年收窄,由七十五歲時5,682,518.4 vs 4,743,935,到了九十九歲就為39,118,669.20 vs 38,558,322.44。

年齡 供樓款項 租樓款項 供樓平安回報 租樓平安回報 供樓意外回報 租樓意外回報 意外回報差
25 7,168.98 1,561.56 0 6,112.09 1,014,000.00 1,020,112.09 6,112.09
26 12,289.68 2,676.96 0 17,140.04 1,014,000.00 1,031,140.04 17,140.04
27 12,289.68 2,676.96 764.4 29,160.51 1,014,764.40 1,043,160.51 28,396.11
28 12,289.68 2,676.96 1,950.00 42,262.82 1,015,950.00 1,056,262.82 40,312.82
29 12,289.68 2,676.96 3,634.80 56,544.34 1,017,634.80 1,070,544.34 52,909.54
30 12,289.68 3,042.00 5,896.80 71,713.30 1,019,896.80 1,085,713.30 65,816.50
31 12,289.68 3,042.00 8,751.60 88,247.47 1,022,751.60 1,102,247.47 79,495.87
32 12,289.68 3,042.00 12,277.20 106,269.71 1,026,277.20 1,120,269.71 93,992.51
33 12,289.68 3,042.00 16,629.60 125,913.96 1,030,629.60 1,139,913.96 109,284.36
34 12,289.68 3,042.00 21,777.60 147,326.18 1,035,777.60 1,161,326.18 125,548.58
35 12,289.68 3,650.40 27,892.80 170,002.36 1,041,892.80 1,184,002.36 142,109.56
36 12,289.68 3,650.40 35,068.80 194,719.38 1,049,068.80 1,208,719.38 159,650.58
37 12,289.68 3,650.40 43,399.20 221,660.94 1,057,399.20 1,235,660.94 178,261.74
38 12,289.68 3,650.40 52,993.20 251,027.24 1,066,993.20 1,265,027.24 198,034.04
39 12,289.68 3,650.40 64,038.00 283,036.51 1,078,038.00 1,297,036.51 218,998.51
40 12,289.68 5,597.28 84,708.00 315,804.51 1,098,708.00 1,329,804.51 231,096.51
41 12,289.68 5,597.28 108,139.20 351,521.63 1,122,139.20 1,365,521.63 243,382.43
42 12,289.68 5,597.28 134,472.00 390,453.30 1,148,472.00 1,404,453.30 255,981.30
43 12,289.68 5,597.28 163,768.80 432,888.81 1,177,768.80 1,446,888.81 269,120.01
44 12,289.68 5,597.28 196,341.60 479,143.52 1,210,341.60 1,493,143.52 282,801.92
49 12,289.68 9,856.08 353,199.60 753,096.88 1,367,199.60 1,767,096.88 399,897.28
54 12,289.68 15,331.68 607,807.20 1,138,888.92 1,621,807.20 2,152,888.92 531,081.72
59 12,289.68 28,959.84 1,013,578.80 1,643,576.74 2,027,578.80 2,657,576.74 629,997.94
64 12,289.68 48,550.32 1,652,118.00 2,292,306.26 2,666,118.00 3,306,306.26 640,188.26
69 12,289.68 69,479.28 2,647,710.00 3,153,930.42 3,661,710.00 4,167,930.42 506,220.42
74 12,289.68 90,894.96 4,191,330.00 4,339,944.36 5,205,330.00 5,353,944.36 148,614.36
79 12,289.68 0 6,577,272.00 6,757,712.06 7,591,272.00 6,757,712.06 -833,559.94
84 12,289.68 0 10,258,825.20 10,477,747.34 11,272,825.20 10,477,747.34 -795,077.86
89 12,289.68 0 15,930,704.40 16,201,482.75 16,944,704.40 16,201,482.75 -743,221.65
99 12,289.68 0 38,104,669.20 38,558,322.44 39,118,669.20 38,558,322.44 -560,346.76

假設能活到平均年齡七十八歲或以上,供樓明顯比租樓好,但七十五歲時拿著四百七十萬,再多拿九十萬又可以用來做甚麼呢?

P.S. 有冇人有方法可以很方便的將M$試算表貼上xanga?在家沒有ultraedit 又唔識點樣由xls 轉csv 又唔想自己寫program解決,結果花了兩小時仍找不到有效率的方法,上面的表格是笨笨的將試算表另存htm再用wordpad人手逐個enter鍵刪除後貼上xanga的。

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