<p style="text-align: justify"><span ><span ></span></span></p><p ><span >打工族资产存到200万很难，但是到30万并不难。<strong>而30万到200万也很简单</strong>。<o:p></o:p></span></p><p ><span >所以无论如何先把资产存到30万。注意，我说的是资产，不是负债。我最近一直在提醒大家，<strong>贷款买房就是负债</strong>。千万别搞错了。<o:p></o:p></span></p><p ><span >假设你有<span style="color:#FF4F79">30万</span>，合理理财，按照每年<span style="color:#FF4F79">3%</span>的利率，按年复利，每年雷打不动必须3%的情况下，<span style="color:#FF4F79">30年后</span>，本息终值是<span style="color:#FF4F79">72万</span>多。</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXulohUsq7ibicLSoIm5f83NN3LLpFCsicBSK1V2bBpvJC4LPIA4yUuJ7jf89pEficIvFibkicGIJ6I4Mo3iaQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXulohUsq7ibicLSoIm5f83NN3LLpFCsicBSK1V2bBpvJC4LPIA4yUuJ7jf89pEficIvFibkicGIJ6I4Mo3iaQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></p><p ><span >这个就是每年复利的计算公式。</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXulohUsq7ibicLSoIm5f83NN3Lbj5eV8fZkbXDBa4hw4TCCRibD3vISyDGH8F4GeoCibrublO7AYlsmSEA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXulohUsq7ibicLSoIm5f83NN3Lbj5eV8fZkbXDBa4hw4TCCRibD3vISyDGH8F4GeoCibrublO7AYlsmSEA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></p><p ><span >这部分作为被动收入我们先放着。接下来，假设我们才<span style="color:#FF4F79">30岁</span>，当然我们还会继续工作，可以获得主动收入，即使我们每个月收入很少，<span style="color:#FF4F79">每年</span>强制存下<span style="color:#FF4F79">25000</span>应该不难。</span></p><p ><span >那么继续按照<span style="color:#FF4F79">复利3%</span>雷打不动的计划，<span style="color:#FF4F79">每年</span>强制存下<span style="color:#FF4F79">25000</span>，计划<span style="color:#FF4F79">30年</span>，30年后也就是60岁的时候，本息和终值是<span style="color:#FF4F79">122万</span>多。</span><span > </span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXulohUsq7ibicLSoIm5f83NN3LicNLUiaKHf8b9AYIf115YfiaRn8MSNfQo76nXicBzsibAUBvibCQGIjaLPOQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXulohUsq7ibicLSoIm5f83NN3LicNLUiaKHf8b9AYIf115YfiaRn8MSNfQo76nXicBzsibAUBvibCQGIjaLPOQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></p><p ><span >这个<span style="color:#FF4F79">122万</span>多加上前面的<span style="color:#FF4F79">72万</span>多，<strong>就是接近200万了</strong>。<o:p></o:p></span></p><p ><span >我的算法，完全是在可以实现的情况下达到的，锁定3%的复利，现在是增额寿险可以达到的，每年强制储蓄25000也是很多人可以轻易达到的。这样处理的结果是：<strong>到60岁左右，你必然拥有200万的现金资产。</strong><o:p></o:p></span></p><p ><span >然而，<strong>如果我们换一种处理方式</strong>，花<span style="color:#FF4F79">30万</span>首付，贷款买一套<span style="color:#FF4F79">200万</span>的房子，贷款<span style="color:#FF4F79">170万</span>，<span style="color:#FF4F79">30年</span>还清，按照<span style="color:#FF4F79">4.2%</span>的贷款利率等额本息的情况下，</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXulohUsq7ibicLSoIm5f83NN3LicB8Ql21fPxSn5Fawf67QbtpibEu8NV6ZqohMDRia2ytCP7ezXUDX3Q3g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXulohUsq7ibicLSoIm5f83NN3LicB8Ql21fPxSn5Fawf67QbtpibEu8NV6ZqohMDRia2ytCP7ezXUDX3Q3g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FAa1Vn4VNXulohUsq7ibicLSoIm5f83NN3LX4LnTktSNziaMRwT9wgn6A01dfICLE2B2nlSfSMPeFibsGAPEqSjMSuA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/Aa1Vn4VNXulohUsq7ibicLSoIm5f83NN3LX4LnTktSNziaMRwT9wgn6A01dfICLE2B2nlSfSMPeFibsGAPEqSjMSuA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><br /></p><section ><p ><span >每月还款是<span style="color:#FF4F79">8300</span>多，一年还款<span style="color:#FF4F79">10万</span>左右，坚持<span style="color:#FF4F79">30年</span>，当然你就没钱去强制储蓄了，因为你一直在还钱。<strong>那么到30年后是什么状况呢？</strong><strong>你有一套房子，房龄已经30多年了，你很有可能卖不出去了。</strong>而你手上也没有现金。</span><span ></span></p></section><p style="text-align: justify"><span >这些都是很简单的道理，大部分人都不去算而已。</span><span ></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXulohUsq7ibicLSoIm5f83NN3Lls7QKaVXIgUhRYGibic3uFVAvUBEcUpBjjWiaicHkWnPp1OyZxDg0sOPbw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXulohUsq7ibicLSoIm5f83NN3Lls7QKaVXIgUhRYGibic3uFVAvUBEcUpBjjWiaicHkWnPp1OyZxDg0sOPbw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: justify"><span >我是保姑，我一直在专注研究安全靠谱的理财方法，需要的时候可以来找我，保姑应该能给你一些建议。</span></p><p style="text-align: justify"><span ><br /></span></p><section style="color: rgb(0, 0, 0); text-align: center"><span style="color: rgb(255, 79, 121)"><strong ><span >任何时候，扫码可以找到我们~</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw%2F640%3Fwx_fmt%3Djpeg%26wx_%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXumICRCicytKuF3yRAdqEQlJwIZk67icGtD2WYmTrE5NKkBMuKJtmKZtlFjM4WV0Pqv6shKnSOpv1Tvw/640?wx_fmt=jpeg&wx_&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(136, 136, 136)">看一看保姑的其他文章：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span >【财富认知】</span></section><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486965&idx=1&sn=8f54c7c112fb00ffb146e86a291eceda&chksm=e889fe94dffe778210b9a7f76cf0e75c52644ee7c9d14e2ea60f811a3eaffed1e986a3fec76b&scene=21#wechat_redirect" textvalue="【财富认知】中华人寿的养老金，能领多少？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >中华人寿的养老金，能领多少？</span></a></h1><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486949&idx=1&sn=36d45f7f535578f8b443fa97c6008052&chksm=e889fe84dffe779242ec4078298251637346e4f993d82d4d8041dd151cd50652d40193ba87e0&scene=21#wechat_redirect" textvalue="鼎诚人寿「诚爱一生」哪个计划最好？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">鼎诚人寿「诚爱一生」哪个计划最好？</a></h1><h1 style="color: rgb(34, 34, 34); text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247486935&idx=1&sn=acbff4999e65281eff447c77b7ea78e2&chksm=e889feb6dffe77a099b1d9a483b6bd11ad81153ee26baa5301107c9fe3edae462724f635f202&scene=21#wechat_redirect" textvalue="招商青云卫VS君龙小青龙，选谁？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">招商青云卫VS君龙小青龙，选谁？</a></h1><h1 style="color: rgb(34, 34, 34); 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