Heng Aun Chen's comment on 【南视界】复利的奇迹！EPF如何帮你成为百万富翁

Heng Aun Chen's comment on 【南视界】复利的奇迹！EPF如何帮你成为百万富翁. All Comments

Heng Aun Chen

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这两百万只能在55岁后才能提出，如有急事须要用钱，那时只能说有钱却不能用。

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Absolute Total Compound

EPF 只有 Interest Rate, 无 dividend Growth，复利无法和成长兼派息股相比，地和天比。不懂投资的，可选择 EPF，懂投资，必定是素质优秀派息兼成长股！

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Absolute Total Compound

1. For Growth Stock (let's say 12%) with high profitability and starting DY 2.5%:

If All DIVIDENDS are FULLY REINVESTED & Gd = Gni.

Final Absolute Total Compound with dividend reinvestment @ nth year (Unit: Multiple) : All Dividends are Fully Reinvested & Gd = Gni

=

[
( 1 ÷ ( 1-SBB ) ) × ( 1 + Gni ) × ( 1 + DYentry )
]ⁿ

=

[
( 1 ÷ ( 1-0 ) ) × ( 1 + 0.12 ) × ( 1 + 0.025 )
]ⁿ

= (1.12 × 1.025)ⁿ

= 1.148ⁿ

10 years
= 1.148^10
= 3.975748288 bagger

25 years
= 1.148^25
= 31.5171690778 bagger

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Absolute Total Compound

2. If every year SBB 1.0% with the same prerequisites

=

[
( 1 ÷ ( 1-0.01) ) × ( 1 + 0.12 ) × ( 1 + 0.025 )
]ⁿ

= 1.1595959596ⁿ

10 years
= 1.1595959596^10
= 4.39609364 bagger

25 years
= 1.1595959596^25
= 40.5198040616 bagger

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Absolute Total Compound

3. If every year SBB 1.5% with the same prerequisites

=

[
( 1 ÷ ( 1-0.015) ) × ( 1 + 0.12 ) × ( 1 + 0.025 )
]ⁿ

= 1.1654822335ⁿ

10 years
= 1.1654822335^10
= 4.624412598 bagger

25 years
= 1.1654822335^25
= 45.9876734744 bagger

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Absolute Total Compound

4. For EPF with only Interest Rate 5.5%,

Total Compound (Unit Multiples)
= 1.055ⁿ

10 years:
= 1.055^10
= 1.7081444584 bagger

25 years
= 1.055^25
= 3.8133923486 bagger

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Absolute Total Compound

Munger 对 Average Net Income Growth 的要求是，+18% Gni CAGR。

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Absolute Total Compound

大马股市，有哪家设立了盈利成长率目标 Profit Growth's Aim？

INFOTEC 设立的 Gross Profit Growth Ggp目标是15% - 20%。

营运效率高和拥有竞争优势的公司，净盈利 Gni 一般比 Ggp 为高。

参考：

https://www.klsescreener.com/v2/news/view/1378395

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