Let's say I want to retire in 20 years time, so...
To save $3,000,000 in 20 years, i would need to save:
- $150,000 per year (simple calculation)
- $75,000 - $90,000 per year (assuming 7% annual return and 2% inflation)
- $6,250 - $7,500 per month (assuming 7% annual return and 2% inflation)
To achieve $150,000 a year in I may need:
- A portfolio size of $2.5 million to $5 million, depending on the dividend yield or interest rates.
- An average annual return of 6% to 8% on your investments.
- A combination of stocks, bonds, and other assets to generate passive income.
Where to find a portfolio size of $2.5 mil to $5 mil?!
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1. 每年150,000美元的目标：根据4%规则，您需要一个投资组合约为3,750,000美元（150,000美元/0.04）来支持您每年提取150,000美元作为收入。
2. 考虑年回报率和通货膨胀率：因为通货膨胀率的存在，您需要确保您的投资组合的回报率能够超过通货膨胀率。7%的年回报率也许是一个合理的目标，但是您需要确保您的投资组合能够维持这个回报率。
3. 投资组合规模和组成：为了达到这个目标，您可能需要投资股票、债券和其他资产，以确保您的投资组合既稳健又具有一定的增长潜力。
最重要的是，在制定投资目标和策略时要考虑个人的财务状况和风险承受能力。在投资时，也建议分散风险，避免过度投资在某一种资产上。希望这些信息对您有所帮助。
1. 每年150,000美元的目标：根据4%规则，您需要一个投资组合约为3,750,000美元（150,000美元/0.04）来支持您每年提取150,000美元作为收入。
2. 考虑年回报率和通货膨胀率：因为通货膨胀率的存在，您需要确保您的投资组合的回报率能够超过通货膨胀率。7%的年回报率也许是一个合理的目标，但是您需要确保您的投资组合能够维持这个回报率。
3. 投资组合规模和组成：为了达到这个目标，您可能需要投资股票、债券和其他资产，以确保您的投资组合既稳健又具有一定的增长潜力
最重要的是，在制定投资目标和策略时要考虑个人的财务状况和风险承受能力。在投资时，也建议分散风险，避免过度投资在某一种资产上。希望这些信息对您有所帮助。