http://bbs.wenxuecity.com/tzlc/1097767.html
假如你来美国很早,比如80年代中期,87年工作,一直存满401K, 公司match 2000块开始,每年第增3%。不多吧? 2015年才4000多,很多人都远高这个数。这样401K就有160万,两口子就320万了。当然了,多数人开始几年存钱买房,存不满401,不过据说房市更好,两口子三四百万资产应该不是问题,不做地主,轻轻松松,随随便便也能成富人。
Year | 401kmax | SP500 | company match | Cumulative |
1987 | $7,000 | 5.25 | 2000.00 | $9,000 |
1988 | $7,313 | 16.61 | 2060.00 | $20,646.33 |
1989 | $7,627 | 31.69 | 2121.80 | $38,482.65 |
1990 | $7,979 | -3.10 | 2185.45 | $47,296.59 |
1991 | $8,475 | 30.47 | 2251.02 | $74,067.99 |
1992 | $8,728 | 7.62 | 2318.55 | $91,179.39 |
1993 | $8,994 | 10.08 | 2388.10 | $112,326.03 |
1994 | $9,240 | 1.32 | 2459.75 | $125,585.70 |
1995 | $9,240 | 37.58 | 2533.54 | $186,766.60 |
1996 | $9,500 | 22.96 | 2609.55 | $243,147.93 |
1997 | $9,500 | 33.36 | 2687.83 | $338,482.85 |
1998 | $10,000 | 28.58 | 2768.47 | $449,814.32 |
1999 | $10,000 | 21.04 | 2851.52 | $558,658.76 |
2000 | $10,500 | -9.10 | 2937.07 | $520,646.49 |
2001 | $10,500 | -11.89 | 3025.18 | $471,462.73 |
2002 | $11,000 | -22.10 | 3115.93 | $379,825.59 |
2003 | $12,000 | 28.68 | 3209.41 | $506,150.02 |
2004 | $13,000 | 10.88 | 3305.70 | $578,411.86 |
2005 | $14,000 | 4.91 | 3404.87 | $624,644.04 |
2006 | $15,000 | 15.79 | 3507.01 | $743,243.48 |
2007 | $15,500 | 5.49 | 3612.22 | $803,684.40 |
2008 | $15,500 | -37.00 | 3720.59 | $521,985.95 |
2009 | $16,500 | 26.46 | 3832.21 | $683,125.59 |
2010 | $16,500 | 15.08 | 3947.17 | $808,102.08 |
2011 | $16,500 | 2.11 | 4065.59 | $845,935.59 |
2012 | $17,000 | 16.00 | 4187.56 | $1,004,167.85 |
2013 | $17,500 | 32.39 | 4313.18 | $1,354,763.64 |
2014 | $17,500 | 13.69 | 4442.58 | $1,563,675.33 |
2015 | $17,500 | 1.38 | 4575.86 | $1,607,482.23 |
SP500 yearly return 来自wikipedia:
https://en.wikipedia.org/wiki/S%26P_500_Index