我计算过， 有200百万美元，no problem 退休。

我计算过， 有200百万美元，no problem 退休。

1) Buy two houses 500k + 500k
paying mortgage $4,700/month ($800,000, 5.75%)

2) Remaining $1,800,000 ($2,000,000 - $200,000 (downpay))
monthly income is $12,000 (assuming 7% annual return, for a period of 30 years)
monthly income is $14,000 (assuming 7% annual return, for a period of 20 years)
monthly income is $16,000 (assuming 7% annual return, for a period of 15 years)
OR (extremely conservative)
monthly income is $12,000 (assuming 5% annual return, for a period of 20 years)

3) Rent income
$1,200 / month or 1/4 of your monthly expenses

4) Other investment to fight with inflation
Every year if income is more than expenses, then invest all the remainings
total stock market fund
For a period of 15-30 years, you have $12,000 - $4,700 + $1,200 = $8,500
monthly income, and must have money left to invest.

5) How to beat inflation
1) The total stock market fund
2) Two houses, at some point, reverse mortgage is a nice choice for one of
houses if necessary (rarely need if everything goes well)

所有跟帖： 

• misleading - should depend on the person's age too -TigerLady- ♀ (366 bytes) () 01/10/2007 postreply 23:55:20

• correction - Without a job, -TigerLady- ♀ (79 bytes) () 01/10/2007 postreply 23:56:50

• 200百万美元是他妈的16亿人民币。还JiBa用算吗。 -viper6- ♂ (0 bytes) () 01/11/2007 postreply 04:30:38

• 我说兄弟，说话和排泄用的不是一个器官，别混了. -jdx- ♂ (510 bytes) () 01/11/2007 postreply 06:58:25

• 无论多少钱，人人都得量入为出 -熬不得人家- ♂ (300 bytes) () 01/11/2007 postreply 06:57:37