今後の資産形成予定
今現在、キャッシュ600万。これはフランチャイズの店舗に投資予定。なので実質0に…(^_^;)
一からスタートですね。。今後の資産形成として下記のように積み立てて行きます。
毎月32万の投資、基本的にETF、インデックスで積立。たまに米国株式、クラウドファンディング。
1月、4月、7月、10月に100万×4回を積立。ETFを購入。これを10年積立。年間最低でも784万を投資に回すこと!それ以外の余裕資金があった場合は下値で買い増しできるようにひたすらキャッシュをつくる!
年利率 |
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積立年数 |
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毎月積立額 |
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ボーナス月加算額 |
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積立前の元金 |
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複利方式 | ||
利息組込み |
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課税方式 |
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月数 | 年数 | 月払元金 | 月払利息 | ボーナス払元金 | ボーナス払利息 | 利息計 | 税引後利息計 | 税引後元利合計 |
1 | 320000 | 1600 | 0 | 0 | 1600 | 1274 | 321274 | |
2 | 640000 | 4806 | 0 | 0 | 4806 | 3829 | 643829 | |
3 | 960000 | 9625 | 0 | 0 | 9625 | 7669 | 967669 | |
4 | 1280000 | 16063 | 0 | 0 | 16063 | 12799 | 1292799 | |
5 | 1600000 | 24126 | 0 | 0 | 24126 | 19224 | 1619224 | |
6 | 1920000 | 33822 | 2000000 | 10000 | 43822 | 34919 | 3954919 | |
7 | 2240000 | 45156 | 2000000 | 20039 | 65195 | 51950 | 4291950 | |
8 | 2560000 | 58135 | 2000000 | 30118 | 88253 | 70323 | 4630323 | |
9 | 2880000 | 72766 | 2000000 | 40237 | 113003 | 90045 | 4970045 | |
10 | 3200000 | 89055 | 2000000 | 50397 | 139452 | 111121 | 5311121 | |
11 | 3520000 | 107009 | 2000000 | 60597 | 167606 | 133556 | 5653556 | |
12 | 1年目 | 3840000 | 126635 | 4000000 | 80838 | 207473 | 165324 | 8005324 |
13 | 4160000 | 147939 | 4000000 | 101160 | 249099 | 198494 | 8358494 | |
14 | 4480000 | 170928 | 4000000 | 121563 | 292491 | 233070 | 8713070 | |
15 | 4800000 | 195609 | 4000000 | 142047 | 337656 | 269061 | 9069061 | |
16 | 5120000 | 221988 | 4000000 | 162612 | 384600 | 306468 | 9426468 | |
17 | 5440000 | 250072 | 4000000 | 183259 | 433331 | 345298 | 9785298 | |
18 | 5760000 | 279868 | 6000000 | 213989 | 493857 | 393529 | 12153529 | |
19 | 6080000 | 311383 | 6000000 | 244841 | 556224 | 443226 | 12523226 | |
20 | 6400000 | 344623 | 6000000 | 275816 | 620439 | 494395 | 12894395 | |
21 | 6720000 | 379596 | 6000000 | 306914 | 686510 | 547045 | 13267045 | |
22 | 7040000 | 416308 | 6000000 | 338136 | 754444 | 601178 | 13641178 | |
23 | 7360000 | 454766 | 6000000 | 369483 | 824249 | 656802 | 14016802 | |
24 | 2年目 | 7680000 | 494977 | 8000000 | 410955 | 905932 | 721891 | 16401891 |
25 | 8000000 | 536949 | 8000000 | 452592 | 989541 | 788514 | 16788514 | |
26 | 8320000 | 580688 | 8000000 | 494395 | 1075083 | 856679 | 17176679 | |
27 | 8640000 | 626201 | 8000000 | 536364 | 1162565 | 926389 | 17566389 | |
28 | 8960000 | 673495 | 8000000 | 578501 | 1251996 | 997652 | 17957652 | |
29 | 9280000 | 722578 | 8000000 | 620805 | 1343383 | 1070474 | 18350474 | |
30 | 9600000 | 773456 | 10000000 | 673278 | 1446734 | 1152829 | 20752829 | |
31 | 9920000 | 826137 | 10000000 | 725960 | 1552097 | 1236788 | 21156788 | |
32 | 10240000 | 880628 | 10000000 | 778852 | 1659480 | 1322356 | 21562356 | |
33 | 10560000 | 936936 | 10000000 | 831955 | 1768891 | 1409540 | 21969540 | |
34 | 10880000 | 995068 | 10000000 | 885269 | 1880337 | 1498345 | 22378345 | |
35 | 11200000 | 1055032 | 10000000 | 938796 | 1993828 | 1588781 | 22788781 | |
36 | 3年目 | 11520000 | 1116835 | 12000000 | 1002536 | 2119371 | 1688819 | 25208819 |
37 | 11840000 | 1180484 | 12000000 | 1066530 | 2247014 | 1790532 | 25630532 | |
38 | 12160000 | 1245987 | 12000000 | 1130779 | 2376766 | 1893925 | 26053925 | |
39 | 12480000 | 1313351 | 12000000 | 1195284 | 2508635 | 1999005 | 26479005 | |
40 | 12800000 | 1382583 | 12000000 | 1260046 | 2642629 | 2105778 | 26905778 | |
41 | 13120000 | 1453691 | 12000000 | 1325066 | 2778757 | 2214251 | 27334251 | |
42 | 13440000 | 1526682 | 14000000 | 1400345 | 2927027 | 2332400 | 29772400 | |
43 | 13760000 | 1601564 | 14000000 | 1475924 | 3077488 | 2452296 | 30212296 | |
44 | 14080000 | 1678345 | 14000000 | 1551804 | 3230149 | 2573944 | 30653944 | |
45 | 14400000 | 1757031 | 14000000 | 1627986 | 3385017 | 2697350 | 31097350 | |
46 | 14720000 | 1837631 | 14000000 | 1704472 | 3542103 | 2822524 | 31542524 | |
47 | 15040000 | 1920152 | 14000000 | 1781263 | 3701415 | 2949472 | 31989472 | |
48 | 4年目 | 15360000 | 2004602 | 16000000 | 1868359 | 3872961 | 3086168 | 34446168 |
49 | 15680000 | 2090988 | 16000000 | 1955803 | 4046791 | 3224684 | 34904684 | |
50 | 16000000 | 2179319 | 16000000 | 2043595 | 4222914 | 3365028 | 35365028 | |
51 | 16320000 | 2269601 | 16000000 | 2131737 | 4401338 | 3507205 | 35827205 | |
52 | 16640000 | 2361843 | 16000000 | 2220230 | 4582073 | 3651224 | 36291224 | |
53 | 16960000 | 2456053 | 16000000 | 2309075 | 4765128 | 3797091 | 36757091 | |
54 | 17280000 | 2552238 | 18000000 | 2408274 | 4960512 | 3952783 | 39232783 | |
55 | 17600000 | 2650406 | 18000000 | 2507869 | 5158275 | 4110371 | 39710371 | |
56 | 17920000 | 2750565 | 18000000 | 2607860 | 5358425 | 4269860 | 40189860 | |
57 | 18240000 | 2852723 | 18000000 | 2708250 | 5560973 | 4431261 | 40671261 | |
58 | 18560000 | 2956888 | 18000000 | 2809040 | 5765928 | 4594579 | 41154579 | |
59 | 18880000 | 3063068 | 18000000 | 2910231 | 5973299 | 4759822 | 41639822 | |
60 | 5年目 | 19200000 | 3171272 | 20000000 | 3021826 | 6193098 | 4934970 | 44134970 |
61 | 19520000 | 3281507 | 20000000 | 3133865 | 6415372 | 5112088 | 44632088 | |
62 | 19840000 | 3393781 | 20000000 | 3246351 | 6640132 | 5291188 | 45131188 | |
63 | 20160000 | 3508102 | 20000000 | 3359285 | 6867387 | 5472277 | 45632277 | |
64 | 20480000 | 3624479 | 20000000 | 3472669 | 7097148 | 5655362 | 46135362 | |
65 | 20800000 | 3742919 | 20000000 | 3586504 | 7329423 | 5840450 | 46640450 | |
66 | 21120000 | 3863431 | 22000000 | 3710793 | 7574224 | 6035519 | 49155519 | |
67 | 21440000 | 3986023 | 22000000 | 3835577 | 7821600 | 6232641 | 49672641 | |
68 | 21760000 | 4110704 | 22000000 | 3960858 | 8071562 | 6431823 | 50191823 | |
69 | 22080000 | 4237482 | 22000000 | 4086639 | 8324121 | 6633075 | 50713075 | |
70 | 22400000 | 4366365 | 22000000 | 4212921 | 8579286 | 6836403 | 51236403 | |
71 | 22720000 | 4497361 | 22000000 | 4339706 | 8837067 | 7041816 | 51761816 | |
72 | 6年目 | 23040000 | 4630479 | 24000000 | 4476996 | 9107475 | 7257291 | 54297291 |
73 | 23360000 | 4765727 | 24000000 | 4614833 | 9380560 | 7474898 | 54834898 | |
74 | 23680000 | 4903114 | 24000000 | 4753219 | 9656333 | 7694648 | 55374648 | |
75 | 24000000 | 5042649 | 24000000 | 4892157 | 9934806 | 7916549 | 55916549 | |
76 | 24320000 | 5184340 | 24000000 | 5031648 | 10215988 | 8140609 | 56460609 | |
77 | 24640000 | 5328195 | 24000000 | 5171695 | 10499890 | 8366837 | 57006837 | |
78 | 24960000 | 5474223 | 26000000 | 5322300 | 10796523 | 8603208 | 59563208 | |
79 | 25280000 | 5622433 | 26000000 | 5473505 | 11095938 | 8841797 | 60121797 | |
80 | 25600000 | 5772834 | 26000000 | 5625312 | 11398146 | 9082611 | 60682611 | |
81 | 25920000 | 5925434 | 26000000 | 5777724 | 11703158 | 9325661 | 61245661 | |
82 | 26240000 | 6080242 | 26000000 | 5930743 | 12010985 | 9570952 | 61810952 | |
83 | 26560000 | 6237267 | 26000000 | 6084372 | 12321639 | 9818497 | 62378497 | |
84 | 7年目 | 26880000 | 6396517 | 28000000 | 6248613 | 12645130 | 10076271 | 64956271 |
85 | 27200000 | 6558002 | 28000000 | 6413509 | 12971511 | 10336347 | 65536347 | |
86 | 27520000 | 6721730 | 28000000 | 6579062 | 13300792 | 10598735 | 66118735 | |
87 | 27840000 | 6887711 | 28000000 | 6745274 | 13632985 | 10863443 | 66703443 | |
88 | 28160000 | 7055953 | 28000000 | 6912148 | 13968101 | 11130481 | 67290481 | |
89 | 28480000 | 7226465 | 28000000 | 7079687 | 14306152 | 11399856 | 67879856 | |
90 | 28800000 | 7399257 | 30000000 | 7257894 | 14657151 | 11679549 | 70479549 | |
91 | 29120000 | 7574337 | 30000000 | 7436811 | 15011148 | 11961632 | 71081632 | |
92 | 29440000 | 7751715 | 30000000 | 7616441 | 15368156 | 12246115 | 71686115 | |
93 | 29760000 | 7931399 | 30000000 | 7796786 | 15728185 | 12533003 | 72293003 | |
94 | 30080000 | 8113399 | 30000000 | 7977850 | 16091249 | 12822310 | 72902310 | |
95 | 30400000 | 8297724 | 30000000 | 8159635 | 16457359 | 13114046 | 73514046 | |
96 | 8年目 | 30720000 | 8484384 | 32000000 | 8352145 | 16836529 | 13416187 | 76136187 |
97 | 31040000 | 8673387 | 32000000 | 8545422 | 17218809 | 13720807 | 76760807 | |
98 | 31360000 | 8864743 | 32000000 | 8739469 | 17604212 | 14027915 | 77387915 | |
99 | 31680000 | 9058462 | 32000000 | 8934289 | 17992751 | 14337523 | 78017523 | |
100 | 32000000 | 9254553 | 32000000 | 9129885 | 18384438 | 14649638 | 78649638 | |
101 | 32320000 | 9453025 | 32000000 | 9326260 | 18779285 | 14964272 | 79284272 | |
102 | 32640000 | 9653888 | 34000000 | 9533418 | 19187306 | 15289404 | 81929404 | |
103 | 32960000 | 9857151 | 34000000 | 9741401 | 19598552 | 15617105 | 82577105 | |
104 | 33280000 | 10062824 | 34000000 | 9950213 | 20013037 | 15947388 | 83227388 | |
105 | 33600000 | 10270916 | 34000000 | 10159857 | 20430773 | 16280261 | 83880261 | |
106 | 33920000 | 10481437 | 34000000 | 10370336 | 20851773 | 16615735 | 84535735 | |
107 | 34240000 | 10694397 | 34000000 | 10581654 | 21276051 | 16953820 | 85193820 | |
108 | 9年目 | 34560000 | 10909806 | 36000000 | 10803813 | 21713619 | 17302496 | 87862496 |
109 | 34880000 | 11127673 | 36000000 | 11026858 | 22154531 | 17653837 | 88533837 | |
110 | 35200000 | 11348008 | 36000000 | 11250791 | 22598799 | 18007852 | 89207852 | |
111 | 35520000 | 11570821 | 36000000 | 11475616 | 23046437 | 18364552 | 89884552 | |
112 | 35840000 | 11796122 | 36000000 | 11701337 | 23497459 | 18723949 | 90563949 | |
113 | 36160000 | 12023920 | 36000000 | 11927958 | 23951878 | 19086053 | 91246053 | |
114 | 36480000 | 12254226 | 38000000 | 12165481 | 24419707 | 19458842 | 93938842 | |
115 | 36800000 | 12487049 | 38000000 | 12403951 | 24891000 | 19834392 | 94634392 | |
116 | 37120000 | 12722400 | 38000000 | 12643371 | 25365771 | 20212714 | 95332714 | |
117 | 37440000 | 12960289 | 38000000 | 12883745 | 25844034 | 20593818 | 96033818 | |
118 | 37760000 | 13200726 | 38000000 | 13125077 | 26325803 | 20977715 | 96737715 | |
119 | 38080000 | 13443720 | 38000000 | 13367370 | 26811090 | 21364416 | 97444416 | |
120 | 10年目 | 38400000 | 13689283 | 40000000 | 13620628 | 27309911 | 21761902 | 100161902 |
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課税 | 2780978 | 2767031 | 5548009 | |||||
税引後 | 38400000 | 10908305 | 40000000 | 10853597 | 21761902 | 21761902 | 100161902 |