每月买入中行1000元，自己算的二十年利润
今天突发奇想，用EXCEL的自动计算功能就很容易算出来，就做了一下。 说明：每年固定投入1000*12，年盈利28％，当年投入年终为： 12000*（1+0.28/2）=13680 全年平均算，利润取半 上年结余今年年终为：上年结余*1.28 每年年终为上两项相加，第一年无上年结果是不到一千万，只有六百多万，就多算了几年，到二十五年。越到后面利润越可观，复利的效果惊人。是不是这样算的，对不对大家发表下看法
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年 份
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当年投入一万二，年终数
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上年结余*1.28
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年未
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1
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￥13,680.00
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￥0.00
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￥13,680.00
|
|
2
|
￥13,680.00
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￥17,510.40
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￥31,190.40
|
|
3
|
￥13,680.00
|
￥39,923.71
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￥53,603.71
|
|
4
|
￥13,680.00
|
￥68,612.75
|
￥82,292.75
|
|
5
|
￥13,680.00
|
￥105,334.72
|
￥119,014.72
|
|
6
|
￥13,680.00
|
￥152,338.84
|
￥166,018.84
|
|
7
|
￥13,680.00
|
￥212,504.12
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￥226,184.12
|
|
8
|
￥13,680.00
|
￥289,515.67
|
￥303,195.67
|
|
9
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￥13,680.00
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￥388,090.46
|
￥401,770.46
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|
10
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￥13,680.00
|
￥514,266.19
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￥527,946.19
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|
11
|
￥13,680.00
|
￥675,771.13
|
￥689,451.13
|
|
12
|
￥13,680.00
|
￥882,497.44
|
￥896,177.44
|
|
13
|
￥13,680.00
|
￥1,147,107.12
|
￥1,160,787.12
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|
14
|
￥13,680.00
|
￥1,485,807.52
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￥1,499,487.52
|
|
15
|
￥13,680.00
|
￥1,919,344.02
|
￥1,933,024.02
|
|
16
|
￥13,680.00
|
￥2,474,270.75
|
￥2,487,950.75
|
|
17
|
￥13,680.00
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￥3,184,576.96
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￥3,198,256.96
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|
18
|
￥13,680.00
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￥4,093,768.91
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￥4,107,448.91
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|
19
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￥13,680.00
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￥5,257,534.61
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￥5,271,214.61
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|
20
|
￥13,680.00
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￥6,747,154.69
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￥6,760,834.69
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|
21
|
￥13,680.00
|
￥8,653,868.41
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￥8,667,548.41
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|
22
|
￥13,680.00
|
￥11,094,461.96
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￥11,108,141.96
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|
23
|
￥13,680.00
|
￥14,218,421.71
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￥14,232,101.71
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|
24
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￥13,680.00
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￥18,217,090.19
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￥18,230,770.19
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|
25
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￥13,680.00
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￥23,335,385.85
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￥23,349,065.85
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应要求把年利改为38%，结果更是不得了。其实年利多少并不重要,关键是我们要按零风险操作并坚持二十年这才是重要的，二十年后股市将给我们的恒心以丰厚的回报。零友们坚持！！！
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