不要争了，轻轻松松，随随便便也能成富人，有数据为证

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

 

所有跟帖： 

• 前提是一直有工作,见过许多例子公司情况不好就拿高工资,高福利的开刀 -learner4ever- ♂ (99 bytes) () 01/03/2016 postreply 16:27:56

• 那是当然，未来是个未知数 -猛牛- ♀ (248 bytes) () 01/03/2016 postreply 16:36:16

• 87年工作？那现在都50多了，不算有钱 -9876543- ♀ (0 bytes) () 01/03/2016 postreply 18:03:05

• 怎么不算？ -猛牛- ♀ (330 bytes) () 01/03/2016 postreply 18:19:44