上回提到供樓在七十四歲之前都不及租樓,後來在租樓調整一下,終於得出一個七十四歲之後租樓均勝供樓的方案,並得到黑師兄的認同,但前提是出事前平均每年回報至少要有9%,少一點的話依然會在某幾年出事時回報低於供樓。

調整方法其實很簡單,就是將租樓意外保證回報逐年降低,但保持(租樓意外保證回報+投資回報)>(供樓意外保證回報+非保證回報),直至六十六歲時提早斷租,那麼在六十三歲前及六十六至六十八歲時,租樓意外回報會比調整前低,以換來提高其餘年歲的意外回報。

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 1,553.34 0 5,334.85 1,014,000.00 1,014,000.24 0.24
26 12,289.68 2,662.88 0 15,783.55 1,014,000.00 1,024,448.93 10,448.93
27 12,289.68 2,662.88 764.4 27,172.62 1,014,764.40 1,035,838.00 21,073.60
28 12,289.68 2,662.88 1,950.00 39,586.71 1,015,950.00 1,048,252.09 32,302.09
29 12,289.68 2,662.88 3,634.80 53,118.07 1,017,634.80 1,061,783.45 44,148.65
30 12,289.68 2,857.50 5,896.80 67,665.72 1,019,896.80 1,020,164.51 267.71
31 12,289.68 2,857.50 8,751.60 83,522.66 1,022,751.60 1,036,021.45 13,269.85
32 12,289.68 2,857.50 12,277.20 100,806.73 1,026,277.20 1,053,305.51 27,028.31
33 12,289.68 2,857.50 16,629.60 119,646.36 1,030,629.60 1,072,145.15 41,515.55
34 12,289.68 2,857.50 21,777.60 140,181.56 1,035,777.60 1,092,680.34 56,902.74
35 12,289.68 3,177.03 27,892.80 162,234.05 1,041,892.80 1,044,741.07 2,848.27
36 12,289.68 3,177.03 35,068.80 186,271.27 1,049,068.80 1,068,778.29 19,709.49
37 12,289.68 3,177.03 43,399.20 212,471.84 1,057,399.20 1,094,978.85 37,579.65
38 12,289.68 3,177.03 52,993.20 241,030.46 1,066,993.20 1,123,537.47 56,544.27
39 12,289.68 3,177.03 64,038.00 272,159.35 1,078,038.00 1,154,666.37 76,628.37
40 12,289.68 4,454.92 84,708.00 304,766.59 1,098,708.00 1,111,818.16 13,110.16
41 12,289.68 4,454.92 108,139.20 340,308.47 1,122,139.20 1,147,360.05 25,220.85
42 12,289.68 4,454.92 134,472.00 379,049.12 1,148,472.00 1,186,100.70 37,628.70
43 12,289.68 4,454.92 163,768.80 421,276.43 1,177,768.80 1,228,328.01 50,559.21
44 12,289.68 4,454.92 196,341.60 467,304.20 1,210,341.60 1,274,355.77 64,014.17
49 12,289.68 7,429.82 353,199.60 749,122.80 1,367,199.60 1,513,507.56 146,307.96
54 12,289.68 10,494.79 607,807.20 1,163,741.50 1,621,807.20 1,857,841.55 236,034.35
59 12,289.68 18,371.02 1,013,578.80 1,752,873.44 2,027,578.80 2,396,116.56 368,537.76
64 12,289.68 30,477.69 1,652,118.00 2,584,298.92 2,666,118.00 3,220,842.14 554,724.14
69 12,289.68 0 2,647,710.00 3,920,349.84 3,661,710.00 3,920,349.84 258,639.84
74 12,289.68 0 4,191,330.00 6,108,105.39 5,205,330.00 6,108,105.39 902,775.39
79 12,289.68 0 6,577,272.00 9,474,238.48 7,591,272.00 9,474,238.48 1,882,966.48
84 12,289.68 0 10,258,825.20 14,653,451.50 11,272,825.20 14,653,451.50 3,380,626.30
89 12,289.68 0 15,930,704.40 22,622,312.70 16,944,704.40 22,622,312.70 5,677,608.30
99 12,289.68 0 38,104,669.20 53,748,586.00 39,118,669.20 53,748,586.00 14,629,916.80

以下假設某些假設不成立:
如果平均每年回報只得5%,就算用以上方法調整,在五十五歲斷租,在五十五至七十二歲這十八年間,租樓回報是低於供樓,差別最大正是斷租那一年,約七十三萬,而其餘年份租樓回報是高於供樓。每年平均回報就是租樓較高,平均差約七十萬。

年齡 供樓款項 租樓款項 供樓意外回報 租樓意外回報 意外回報差
25 7,168.98 1,553.34 1,014,000.00 1,014,000.24 0.24
26 12,289.68 2,636.19 1,014,000.00 1,014,004.97 4.97
27 12,289.68 2,609.75 1,014,764.40 1,014,786.17 21.77
28 12,289.68 2,582.46 1,015,918.80 1,015,978.82 60.02
29 12,289.68 2,554.41 1,017,525.60 1,017,656.47 130.87
30 12,289.68 2,871.04 1,019,631.60 1,019,877.86 246.26
31 12,289.68 2,838.49 1,022,252.40 1,022,673.25 420.85
32 12,289.68 2,804.98 1,025,403.60 1,026,075.44 671.84
33 12,289.68 2,770.79 1,029,210.00 1,030,228.24 1,018.24
34 12,289.68 2,735.64 1,033,624.80 1,035,107.87 1,483.07
35 12,289.68 3,241.61 1,038,757.20 1,040,840.96 2,083.76
36 12,289.68 3,199.69 1,044,669.60 1,047,518.72 2,849.12
37 12,289.68 3,156.84 1,051,362.00 1,055,171.99 3,809.99
38 12,289.68 3,113.16 1,058,912.40 1,063,911.85 4,999.45
39 12,289.68 3,068.93 1,067,445.60 1,073,898.03 6,452.43
40 12,289.68 4,688.59 1,085,026.80 1,092,882.75 7,855.95
41 12,289.68 4,675.95 1,104,698.40 1,114,124.40 9,426.00
42 12,289.68 4,667.65 1,126,522.80 1,137,688.75 11,165.95
43 12,289.68 4,662.93 1,150,453.20 1,163,537.13 13,083.93
44 12,289.68 4,662.09 1,176,645.60 1,191,823.02 15,177.42
49 12,289.68 7,915.78 1,281,196.80 1,314,444.03 33,247.23
54 12,289.68 12,179.37 1,429,724.40 1,490,660.24 60,935.84
59 12,289.68 0 1,635,036.00 1,009,504.88 -625,531.12
64 12,289.68 0 1,912,965.60 1,453,904.38 -459,061.22
69 12,289.68 0 2,282,592.00 2,062,770.20 -219,821.80
74 12,289.68 0 2,767,986.00 2,896,969.15 128,983.15
79 12,289.68 0 3,400,363.20 4,039,894.01 639,530.81
84 12,289.68 0 4,219,893.60 5,605,800.12 1,385,906.52
89 12,289.68 0 5,275,405.20 7,751,227.18 2,475,821.98
99 12,289.68 0 8,367,980.40 14,717,909.73 6,349,929.33

假設在股市大瀉之時有意外,所買基金大跌(每年10.5%回報的跌50%,每年6.5%回報的跌30%),在(每年10.5%回報的是七十四歲,每年6.5%回報的是七十八歲)之前大部分年份,租樓回報是低於供樓,但之後租樓回報還是比供樓好。

年齡 供樓意外回報(回報率6.5%) 租樓意外回報(回報率6.5%) 意外回報差(回報率6.5%) 供樓意外回報(回報率10.5%) 租樓意外回報(回報率10.5%) 意外回報差(回報率10.5%)
25 1,014,000.00 1,012,348.97 -1,651.03 1,014,000.00 1,011,332.81 -2,667.19
26 1,014,000.00 1,009,223.27 -4,776.73 1,014,000.00 1,006,099.23 -7,900.77
27 1,014,527.80 1,006,662.29 -7,865.51 1,014,382.20 1,001,157.86 -13,224.34
28 1,015,324.89 1,004,286.98 -11,037.91 1,014,975.00 996,133.28 -18,841.72
29 1,016,434.34 1,002,155.95 -14,278.39 1,015,817.40 991,071.03 -24,746.37
30 1,017,888.49 1,000,420.26 -17,468.23 1,016,948.40 986,193.40 -30,755.00
31 1,019,698.09 998,991.16 -20,706.93 1,018,375.80 981,319.67 -37,056.13
32 1,021,873.91 997,883.78 -23,990.13 1,020,138.60 976,497.51 -43,641.09
33 1,024,502.14 997,223.18 -27,278.96 1,022,314.80 971,853.64 -50,461.16
34 1,027,550.46 996,965.53 -30,584.93 1,024,888.80 967,331.64 -57,557.16
35 1,031,094.26 997,385.86 -33,708.40 1,027,946.40 963,344.51 -64,601.89
36 1,035,176.63 998,392.42 -36,784.21 1,031,534.40 959,712.07 -71,822.33
37 1,039,797.57 999,992.43 -39,805.14 1,035,699.60 956,511.50 -79,188.10
38 1,045,010.94 1,002,271.89 -42,739.05 1,040,496.60 953,840.49 -86,656.11
39 1,050,902.91 1,005,363.90 -45,539.01 1,046,019.00 951,877.63 -94,141.37
40 1,063,042.31 1,017,513.54 -45,528.77 1,056,354.00 959,113.25 -97,240.75
41 1,076,625.09 1,031,471.87 -45,153.22 1,068,069.60 968,171.76 -99,897.84
42 1,091,694.31 1,047,276.89 -44,417.42 1,081,236.00 979,136.42 -102,099.58
43 1,108,217.69 1,064,860.10 -43,357.59 1,095,884.40 992,016.74 -103,867.66
44 1,126,302.91 1,084,343.32 -41,959.59 1,112,170.80 1,007,050.98 -105,119.82
49 1,198,493.03 1,159,662.37 -38,830.66 1,190,599.80 1,074,301.66 -116,298.14
54 1,301,047.80 1,278,591.18 -22,456.62 1,317,903.60 1,222,873.62 -95,029.98
59 1,442,810.57 697,039.08 -745,771.49 1,520,789.40 1,500,864.13 -19,925.27
64 1,634,714.34 1,003,886.35 -630,827.99 1,840,059.00 1,957,763.13 117,704.13
69 1,889,932.57 1,424,293.71 -465,638.86 2,337,855.00 2,053,036.59 -284,818.41
74 2,225,085.57 2,000,288.23 -224,797.34 3,109,665.00 3,196,931.88 87,266.88
79 2,661,726.97 2,789,450.63 127,723.66 4,302,636.00 4,956,956.57 654,320.57
84 3,227,593.20 3,870,671.51 643,078.31 6,143,412.60 7,664,972.73 1,521,560.13
89 3,956,398.83 5,352,037.82 1,395,638.99 8,979,352.20 11,831,591.27 2,852,239.07
99 6,091,748.37 10,162,366.24 4,070,617.87 20,066,334.60 28,106,351.71 8,040,017.11

假使以上情況發生,供樓由於有較高的保障回報,所以發生意外後,最差的情況下都有一百萬的回報,租樓最低都有七十萬的回報,足夠應付政府建議的癌症醫療費用$200,000-$500,000(其他危疾由於醫療費用較低,所以不列)。

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