30
拾壹、附件
1.現況
項目/西元年 2020年 2021年 2022年 2023年 2024年 2025年 2026年 2027年 2028年 2029年 2030年 2031年 2032年 2033年 2034年 2035年 2036年 2037年 2038年 2039年 2040年 2041年 2042年 2043年 2044年 2045年 2046年 2047年 2048年 2049年 2050年 2051年 2052年 2053年 2054年 2055年 2056年
規劃年度 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37
年齡-玄哥 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93
年齡-秋月 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
年齡-孫子 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37
總收入 2,457,600 2,428,9892,430,3702,421,440 2,400,000 2,400,0002,400,000 2,400,000 2,400,000 2,490,600 2,490,600 2,490,600 2,581,200 2,581,200 2,581,200 2,581,200 2,581,200 2,581,200 2,581,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 90,600 90,600 90,600
薪資/工作收入合計-玄哥 2,400,000 2,400,0002,400,0002,400,000 2,400,000 2,400,0002,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他收入合計-玄哥 0 0 0 0 0 0 0 0 0 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 0 0 0
薪資/工作收入合計-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他收入合計-秋月 0 0 0 0 0 0 0 0 0 0 0 0 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600
理財投資收入 57,600 28,989 30,370 21,440 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
保險滿期金、定期還本、投資型提領-合計 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
一次性退休金收入-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-一次金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
一次性退休金收入-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-一次金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時年金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-年金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時年金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-年金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
總支出 6,758,724 2,290,8243,323,4056,966,029 2,294,043 2,328,1117,283,187 2,397,792 2,433,417 2,469,579 2,506,282 2,543,534 3,581,347 2,619,726 2,658,682 2,698,220 2,738,353 2,779,087 2,809,372 935,355 949,288 956,941 971,294 985,865 686,162 696,454 706,900 717,504 728,266 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
生活費-不含退休 480,000 487,200 494,508 501,926 509,455 517,096 524,853 532,726 540,716 548,827 557,060 565,415 573,897 582,505 591,243 600,111 609,113 618,250 313,762 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
稅負支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
孝養金支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他支出 1,440,000 1,461,6001,483,5241,505,777 1,528,364 1,551,2891,574,558 1,598,177 1,622,149 1,646,482 1,671,179 1,696,246 1,721,690 1,747,516 1,773,728 1,800,334 1,827,339 1,854,749 1,882,571 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
保險費支出 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 11,662 6,490 6,490 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-本金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-利息-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-本金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-利息-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休生活費支出-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 313,762 318,468 323,245 328,094 333,015 338,011 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 0 0 0
退休時現值-支出-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 0 0 0
退休生活費支出-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 318,468 323,245 328,094 333,015 338,011 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 398,159 404,132 410,193
退休時現值-支出-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468
置產-購車-費用 0 0 1,000,0000 0 0 0 0 0 0 0 0 1,000,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
置產-購車-生活支出調整額 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
子女教育費-孫子 96,000 96,000 96,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-二兒子頭期款 0 0 0 4,705,553 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-大兒子頭期款 4,500,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-女兒 0 0 0 0 0 0 4,920,495 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-國內旅遊 100,000 101,500 103,022 104,568 106,136 107,728 109,344 110,984 112,649 114,339 116,054 117,795 119,562 121,355 123,176 125,023 126,899 128,802 130,734 132,695 134,685 136,706 138,756 140,838 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-國外旅遊 120,000 121,800 123,627 125,481 127,364 129,274 131,213 133,181 135,179 137,207 139,265 141,354 143,474 145,626 147,811 150,028 152,278 154,562 156,881 159,234 161,623 164,047 166,508 169,005 0 0 0 0 0 0 0 0 0 0 0 0 0
自由儲蓄支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
計畫儲蓄-年支出總額 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
年度收支結餘 -4,301,124138,165 -893,035 -4,544,589105,957 71,889 -4,883,187 2,208 -33,417 21,021 -15,682 -52,934 -1,000,147 -38,526 -77,482 -117,020 -157,153 -197,887 -228,172 -754,155 -768,088 -775,741 -790,094 -804,665 -504,962 -515,254 -525,700 -536,304 -547,066 -557,990 -569,078 -580,332 -591,756 -603,350 -307,559 -313,532 -319,593
可投資資產總額 2,898,876 3,037,0412,144,006-2,400,583-2,294,626-2,222,737-7,105,924 -7,103,716 -7,137,133 -7,116,112 -7,131,794 -7,184,728-8,184,875 -8,223,401 -8,300,883 -8,417,903 -8,575,056 -8,772,943-9,001,115 -9,755,270 -10,523,358-11,299,099-12,089,193-12,893,858-13,398,820-13,914,074-14,439,774-14,976,078-15,523,144-16,081,134-16,650,212-17,230,544-17,822,300-18,425,650-18,733,209-19,046,741-19,366,334
可投資資產-計畫儲蓄 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
可投資資產-自由儲蓄 2,898,876 3,037,0412,144,006-2,400,583-2,294,626-2,222,737-7,105,924 -7,103,716 -7,137,133 -7,116,112 -7,131,794 -7,184,728-8,184,875 -8,223,401 -8,300,883 -8,417,903 -8,575,056 -8,772,943-9,001,115 -9,755,270 -10,523,358-11,299,099-12,089,193-12,893,858-13,398,820-13,914,074-14,439,774-14,976,078-15,523,144-16,081,134-16,650,212-17,230,544-17,822,300-18,425,650-18,733,209-19,046,741-19,366,334
負債餘額-期末 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
財務負擔(稅+保費+利息) 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 11,662 6,490 6,490 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
生活費總支出(含退休後生活費+利息) 480,000 487,200 494,508 501,926 509,455 517,096 524,853 532,726 540,716 548,827 557,060 565,415 573,897 582,505 591,243 600,111 609,113 618,250 627,524 636,936 646,490 656,188 666,030 676,022 686,162 696,454 706,900 717,504 728,266 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
負債攤還-本金-家庭總合計 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
支出來源圖參數
支出總額 6,758,724 2,290,8243,323,4056,966,029 2,294,043 2,328,1117,283,187 2,397,792 2,433,417 2,469,579 2,506,282 2,543,534 3,581,347 2,619,726 2,658,682 2,698,220 2,738,353 2,779,087 2,809,372 935,355 949,288 956,941 971,294 985,865 686,162 696,454 706,900 717,504 728,266 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
計畫儲蓄帳戶 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
薪資/工作收入 2,400,000 2,290,8242,400,0002,400,000 2,294,043 2,328,1112,400,000 2,397,792 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
勞退+理財收入(含保險金) 57,600 0 30,370 21,440 0 0 0 0 0 69,579 90,600 90,600 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 181,200 90,600 90,600 90,600
可投資資產-自由儲蓄 4,301,124 0 893,035 2,144,006 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
缺口(資產變現/降低需求) 0 0 0 2,400,583 0 0 4,883,187 0 33,417 0 15,682 52,934 1,000,147 38,526 77,482 117,020 157,153 197,887 228,172 754,155 768,088 775,741 790,094 804,665 504,962 515,254 525,700 536,304 547,066 557,990 569,078 580,332 591,756 603,350 307,559 313,532 319,593
壽險需求模擬參數-玄哥
年度總所得 2,457,600 3,581,98930,370 21,440 0 0 0 0 0 0 0 0 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600
年度支出 6,758,724 2,290,8242,956,5064,240,944 1,916,245 1,944,7414,433,914 2,003,026 2,032,824 2,063,072 2,093,772 2,124,931 3,156,560 2,188,662 2,221,246 2,254,318 2,287,887 2,321,959 2,194,922 470,923 477,889 478,471 485,647 492,933 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 398,159 404,132 410,193
可投資資產-總額 2,898,876 4,219,0291,346,903-2,867,103-4,783,348-6,728,089-11,162,003-13,165,029-15,197,853-17,260,925-19,354,697-21,479,628-24,545,588-26,643,650-28,774,296-30,938,014-33,135,301-35,366,660-37,470,982-37,851,305-38,238,594-38,626,465-39,021,512-39,423,845-39,676,326-39,933,953-40,196,803-40,464,955-40,738,488-41,017,483-41,302,022-41,592,188-41,888,066-42,189,741-42,497,300-42,810,832-43,130,425
壽險需求模擬參數-秋月
年度總所得 2,457,600 3,581,9892,430,3702,421,440 2,400,000 2,400,0002,400,000 2,400,000 2,400,000 2,490,600 2,490,600 2,490,600 2,490,600 2,490,600 2,490,600 2,490,600 2,490,600 2,490,600 2,490,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 0 0 0
年度支出 6,758,724 2,290,8242,955,9064,240,344 1,915,645 1,944,1414,433,314 2,002,426 2,032,224 2,062,472 2,093,172 2,124,331 3,155,960 2,188,062 2,220,646 2,253,718 2,287,287 2,321,359 2,501,763 464,433 471,399 478,471 485,647 492,933 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 0 0 0
可投資資產-總額 2,898,876 4,219,0293,747,5031,982,109 2,506,106 3,012,0871,039,014 1,457,368 1,854,291 2,319,504 2,763,322 3,184,857 2,583,194 2,937,395 3,266,096 3,568,299 3,842,977 4,089,077 4,159,695 3,869,055 3,565,637 3,249,078 2,919,012 2,575,059 2,374,079 2,163,933 1,944,361 1,715,096 1,475,864 1,226,386 966,374 695,535 413,567 120,163 122,566 125,017 127,517
2. 方案 A
31
項目/西元年 2020年 2021年 2022年 2023年 2024年 2025年 2026年 2027年 2028年 2029年 2030年 2031年 2032年 2033年 2034年 2035年 2036年 2037年 2038年 2039年 2040年 2041年 2042年 2043年 2044年 2045年 2046年 2047年 2048年 2049年 2050年 2051年 2052年 2053年 2054年 2055年 2056年
規劃年度 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37
年齡-玄哥 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93
年齡-秋月 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
年齡-孫子 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37
總收入 2,425,6002,407,269 2,406,066 2,404,5592,403,701 2,403,832 2,403,659 2,403,175 2,403,670 2,494,451 2,494,915 2,496,055 2,587,471 2,588,863 2,589,924 2,590,646 2,591,021 2,591,040 2,590,693 193,220 195,087 196,973 198,943 200,932 202,942 204,971 207,021 209,091 211,182 212,474 207,207 201,776 196,179 190,411 93,870 90,827 90,600
薪資/工作收入合計-玄哥 2,400,0002,400,000 2,400,000 2,400,0002,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他收入合計-玄哥 0 0 0 0 0 0 0 0 0 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 0 0 0
薪資/工作收入合計-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他收入合計-秋月 0 0 0 0 0 0 0 0 0 0 0 0 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600
理財投資收入 25,600 7,269 6,066 4,559 3,701 3,832 3,659 3,175 3,670 3,851 4,315 5,455 6,271 7,663 8,724 9,446 9,821 9,840 9,493 12,020 13,887 15,773 17,743 19,732 21,742 23,771 25,821 27,891 29,982 31,274 26,007 20,576 14,979 9,211 3,270 227 0
保險滿期金、定期還本、投資型提領-合計 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
一次性退休金收入-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-一次金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
一次性退休金收入-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-一次金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時年金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-年金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時年金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-年金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
總支出 2,498,7242,527,524 2,556,756 2,490,4272,390,543 2,421,109 2,452,135 2,353,627 2,385,589 2,448,033 2,380,963 2,414,385 2,448,311 2,482,745 2,517,695 2,553,169 2,589,176 2,625,723 2,337,995 6,490 6,490 0 0 0 0 0 0 0 81,947 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
生活費-不含退休 480,000 487,200 494,508 501,926 509,455 517,096 524,853 532,726 540,716 548,827 557,060 565,415 573,897 582,505 591,243 600,111 609,113 618,250 313,762 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
稅負支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
孝養金支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他支出 1,440,0001,461,600 1,483,524 1,505,7771,528,364 1,551,289 1,574,558 1,598,177 1,622,149 1,646,482 1,671,179 1,696,246 1,721,690 1,747,516 1,773,728 1,800,334 1,827,339 1,854,749 1,882,571 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
保險費支出 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 11,662 6,490 6,490 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-本金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-利息-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-本金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-利息-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休生活費支出-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 313,762 318,468 323,245 328,094 333,015 338,011 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 0 0 0
退休時現值-支出-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 0 0 0
退休生活費支出-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 318,468 323,245 328,094 333,015 338,011 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 398,159 404,132 410,193
退休時現值-支出-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468
置產-購車-費用 0 0 1,000,000 0 0 0 0 0 0 0 0 0 1,000,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
置產-購車-生活支出調整額 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
子女教育費-孫子 96,000 96,000 96,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-二兒子頭期款 0 0 0 0 0 0 2,733,608 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-大兒子頭期款 0 0 0 2,614,1960 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-女兒 0 0 0 0 0 0 0 0 0 2,858,475 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-國內旅遊 75,000 0 77,267 0 79,602 0 82,008 0 84,487 0 87,041 0 89,671 0 92,382 0 95,174 0 98,051 0 101,014 0 104,067 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-國外旅遊 0 121,800 0 125,481 0 129,274 0 133,181 0 137,207 0 141,354 0 145,626 0 150,028 0 154,562 0 159,234 0 164,047 0 169,005 0 0 0 0 0 0 0 0 0 0 0 0 0
自由儲蓄支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
計畫儲蓄-年支出總額 460,000 460,000 460,000 460,000 330,000 330,000 330,000 200,000 200,000 230,000 130,000 130,000 130,000 130,000 130,000 130,000 130,000 130,000 130,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
年度收支結餘 -73,124 -120,255 -150,690 -85,868 13,158 -17,277 -48,476 49,548 18,081 46,418 113,952 81,670 139,160 106,118 72,229 37,477 1,845 -34,683 252,698 186,730 188,597 196,973 198,943 200,932 202,942 204,971 207,021 209,091 129,235 -526,716 -543,071 -559,756 -576,777 -594,139 -304,289 -313,305 -319,593
可投資資產總額 9,531,12610,206,1939,887,351 7,879,3938,530,935 9,131,806 6,911,726 7,361,147 7,850,223 5,365,931 5,771,711 6,102,771 5,508,058 5,834,857 6,194,707 6,473,658 6,786,647 7,016,308 7,276,453 6,930,928 6,611,756 6,199,204 5,810,791 5,316,323 4,955,903 4,558,537 4,122,136 3,644,500 3,127,416 2,600,700 2,057,629 1,497,873 921,096 326,957 22,668 -290,637 -610,230
可投資資產-計畫儲蓄 8,804,2509,599,572 9,431,420 7,509,3308,147,714 8,765,862 6,594,258 6,994,131 7,465,126 4,934,416 5,226,244 5,475,634 4,741,761 4,962,442 5,250,063 5,491,537 5,802,681 6,067,025 6,074,472 5,542,217 5,034,448 4,424,923 3,837,567 3,142,167 2,578,805 1,976,468 1,333,046 646,319 0 0 0 0 0 0 0 0 0
可投資資產-自由儲蓄 726,876 606,621 455,931 370,063 383,221 365,944 317,468 367,016 385,097 431,515 545,467 627,137 766,297 872,415 944,644 982,121 983,966 949,283 1,201,981 1,388,711 1,577,308 1,774,281 1,973,224 2,174,156 2,377,098 2,582,069 2,789,090 2,998,181 3,127,416 2,600,700 2,057,629 1,497,873 921,096 326,957 22,668 -290,637 -610,230
負債餘額-期末 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
財務負擔(稅+保費+利息) 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 11,662 6,490 6,490 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
生活費總支出(含退休後生活費+利息) 480,000 487,200 494,508 501,926 509,455 517,096 524,853 532,726 540,716 548,827 557,060 565,415 573,897 582,505 591,243 600,111 609,113 618,250 627,524 636,936 646,490 656,188 666,030 676,022 686,162 696,454 706,900 717,504 728,266 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
負債攤還-本金-家庭總合計 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
支出來源圖參數
支出總額 2,573,7242,649,324 3,634,023 5,230,1042,470,145 2,550,383 5,267,751 2,486,808 2,470,076 5,443,715 2,468,004 2,555,739 3,537,982 2,628,371 2,610,077 2,703,197 2,684,350 2,780,285 2,749,808 802,660 753,994 820,235 770,097 845,027 686,162 696,454 706,900 717,504 728,266 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
計畫儲蓄帳戶 75,000 121,800 1,077,267 2,739,67779,602 129,274 2,815,616 133,181 84,487 2,995,682 87,041 141,354 1,089,671 145,626 92,382 150,028 95,174 154,562 411,813 796,170 747,504 820,235 770,097 845,027 686,162 696,454 706,900 717,504 646,319 0 0 0 0 0 0 0 0
薪資/工作收入 2,400,0002,400,000 2,400,000 2,400,0002,390,543 2,400,000 2,400,000 2,353,627 2,385,589 2,400,000 2,380,963 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,337,995 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
勞退+理財收入(含保險金) 25,600 7,269 6,066 4,559 0 3,832 3,659 0 0 48,033 0 14,385 48,311 82,745 117,695 153,169 189,176 191,040 0 6,490 6,490 0 0 0 0 0 0 0 81,947 212,474 207,207 201,776 196,179 190,411 93,870 90,827 90,600
可投資資產-自由儲蓄 73,124 120,255 150,690 85,868 0 17,277 48,476 0 0 0 0 0 0 0 0 0 0 34,683 0 0 0 0 0 0 0 0 0 0 0 526,716 543,071 559,756 576,777 594,139 304,289 22,668 0
缺口(資產變現/降低需求) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 290,637 319,593
壽險需求模擬參數-玄哥
年度總所得 2,425,6003,560,269 6,066 4,559 3,701 3,832 3,659 3,175 3,670 3,851 4,315 5,455 96,871 98,263 99,324 100,046 100,421 100,440 100,093 102,620 104,487 106,373 108,343 110,332 112,342 114,371 116,421 118,491 120,582 121,874 116,607 111,176 105,579 99,811 93,870 90,827 90,600
年度支出 2,498,7242,527,524 2,264,548 863,305 2,089,694 2,091,603 775,580 2,014,353 2,066,667 669,458 2,052,592 2,054,680 2,110,206 2,112,359 2,169,562 2,171,779 2,230,712 2,232,996 1,818,327 -391,595 -367,262 -410,117 -385,048 -422,513 -343,081 -348,227 -353,450 -358,752 -282,186 369,595 375,139 380,766 386,478 392,275 398,159 404,132 410,193
可投資資產-總額 726,876 1,766,889 -462,322 -1,325,627-3,415,321-5,506,924-6,282,504-8,296,857-10,363,524-11,032,982-13,085,574-15,140,254-17,159,860-19,181,619-21,260,581-23,341,760-25,481,872-27,624,268-29,351,995-28,869,800-28,411,938-27,911,221-27,435,573-26,922,460-26,488,779-26,049,952-25,605,902-25,156,550-24,783,764-25,062,759-25,347,298-25,637,464-25,933,342-26,235,017-26,542,576-26,856,108-27,175,701
壽險需求模擬參數-秋月
年度總所得 2,425,6003,560,269 2,406,066 2,404,5592,403,701 2,403,832 2,403,659 2,403,175 2,403,670 2,494,451 2,494,915 2,496,055 2,496,871 2,498,263 2,499,324 2,500,046 2,500,421 2,500,440 2,500,093 102,620 104,487 106,373 108,343 110,332 112,342 114,371 116,421 118,491 120,582 121,874 116,607 111,176 105,579 99,811 3,270 227 0
年度支出 2,498,7242,527,524 2,263,948 862,705 2,089,094 2,091,003 774,980 2,013,753 2,066,067 668,858 2,051,992 2,054,080 2,109,606 2,111,759 2,168,962 2,171,179 2,230,112 2,232,396 2,125,168 -398,085 -373,752 -410,117 -385,048 -422,513 -343,081 -348,227 -353,450 -358,752 -282,186 369,595 375,139 380,766 386,478 392,275 0 0 0
可投資資產-總額 726,876 1,766,889 1,938,278 3,514,3383,895,530 4,282,437 5,993,105 6,499,214 6,963,131 8,924,135 9,541,225 10,168,569 10,752,934 11,346,83311,895,407 12,452,736 12,962,278 13,479,727 14,114,753 14,885,733 15,647,799 16,461,471 17,266,348 18,124,78718,920,963 19,738,209 20,577,023 21,437,915 22,239,459 22,405,253 22,568,819 22,730,029 22,888,75123,044,851 23,505,748 23,975,862 24,455,379
3. 方案 B
項目/西元年 2020年 2021年 2022年 2023年 2024年 2025年 2026年 2027年 2028年 2029年 2030年 2031年 2032年 2033年 2034年 2035年 2036年 2037年 2038年 2039年 2040年 2041年 2042年 2043年 2044年 2045年 2046年 2047年 2048年 2049年 2050年 2051年 2052年 2053年 2054年 2055年 2056年
規劃年度 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37
年齡-玄哥 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93
年齡-秋月 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
年齡-孫子 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37
總收入 6,389,6003,394,9293,387,305 3,373,603 3,370,100 3,366,560 3,366,342 3,366,120 3,365,233 3,458,936 6,462,293 3,474,050 3,573,453 3,573,248 3,582,317 3,591,475 3,599,978 3,608,563 3,616,466 264,557 259,176 254,025 248,363 242,938 236,917 232,425 227,784 222,993 218,048 212,946 207,683 202,257 196,665 190,902 94,365 91,327 90,600
薪資/工作收入合計-玄哥 3,360,0003,360,0003,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他收入合計-玄哥 3,000,0000 0 0 0 0 0 0 0 90,600 3,090,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 0 0 0
薪資/工作收入合計-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他收入合計-秋月 0 0 0 0 0 0 0 0 0 0 0 0 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600 90,600
理財投資收入 29,600 34,929 27,305 13,603 10,100 6,560 6,342 6,120 5,233 8,336 11,693 23,450 32,253 32,048 41,117 50,275 58,778 67,363 75,266 83,357 77,976 72,825 67,163 61,738 55,717 51,225 46,584 41,793 36,848 31,746 26,483 21,057 15,465 9,702 3,765 727 0
保險滿期金、定期還本、投資型提領-合計 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
一次性退休金收入-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-一次金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
一次性退休金收入-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-一次金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時年金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-年金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時年金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休時現值-年金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
總支出 3,696,7244,157,3244,757,476 3,723,908 3,724,066 3,388,383 3,388,545 3,454,808 3,054,973 3,123,240 5,286,586 2,593,739 3,593,917 2,666,371 2,666,553 2,741,197 2,741,385 2,818,285 2,807,418 802,660 774,197 820,235 790,911 845,027 686,162 696,454 706,900 717,504 728,266 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
生活費-不含退休 480,000 487,200 494,508 501,926 509,455 517,096 524,853 532,726 540,716 548,827 557,060 565,415 573,897 582,505 591,243 600,111 609,113 618,250 313,762 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
稅負支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
孝養金支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他支出 1,608,0001,629,6001,651,524 1,673,777 1,696,364 1,719,289 1,742,558 1,766,177 1,790,149 1,814,482 1,839,179 1,864,246 1,889,690 1,915,516 1,941,728 1,968,334 1,995,339 2,022,749 2,050,571 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
保險費支出 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 11,662 6,490 6,490 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-本金-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-利息-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-本金-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
負債攤還-利息-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
退休生活費支出-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 313,762 318,468 323,245 328,094 333,015 338,011 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 0 0 0
退休時現值-支出-玄哥 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 313,762 0 0 0
退休生活費支出-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 318,468 323,245 328,094 333,015 338,011 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 398,159 404,132 410,193
退休時現值-支出-秋月 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468 318,468
置產-購車-費用 0 0 1,000,000 0 0 0 0 0 0 0 0 0 1,000,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
置產-購車-生活支出調整額 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
子女教育費-孫子 96,000 96,000 96,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-二兒子頭期款 0 0 0 0 3,714,772 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-大兒子頭期款 0 3,552,5000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-女兒 0 0 0 0 0 0 0 3,884,457 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-國內旅遊 90,000 0 92,720 0 95,523 0 98,410 0 101,384 0 104,449 0 107,606 0 110,858 0 114,209 0 117,661 0 121,217 0 124,881 0 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-國外旅遊 0 121,800 0 125,481 0 129,274 0 133,181 0 137,207 0 141,354 0 145,626 0 150,028 0 154,562 0 159,234 0 164,047 0 169,005 0 0 0 0 0 0 0 0 0 0 0 0 0
其他目標-溫室升級 6,000,0000 0 0 0 0 0 0 0 0 6,963,245 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
自由儲蓄支出 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
計畫儲蓄-年支出總額 1,400,0001,800,0001,400,000 1,400,000 1,400,000 1,000,000 1,000,000 1,000,000 600,000 600,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
年度收支結餘 2,692,876-762,395 -1,370,171 -350,305 -353,966 -21,823 -22,203 -88,688 310,260 335,696 1,175,707 880,311 -20,464 906,877 915,764 850,278 858,593 790,278 809,048 -538,103 -515,021 -566,210 -542,548 -602,089 -449,245 -464,029 -479,116 -494,511 -510,218 -526,244 -542,595 -559,275 -576,291 -593,648 -303,794 -312,805 -319,593
可投資資產總額 7,062,8774,638,8574,834,105 6,127,490 3,598,888 4,774,207 6,009,003 3,161,485 4,233,653 5,369,352 2,344,988 3,225,299 3,204,835 4,111,712 5,027,476 5,877,754 6,736,347 7,526,625 8,335,673 7,797,570 7,282,549 6,716,339 6,173,791 5,571,702 5,122,457 4,658,428 4,179,312 3,684,801 3,174,583 2,648,339 2,105,744 1,546,469 970,178 376,530 72,736 -240,069 -559,662
可投資資產-計畫儲蓄 3,570,0011,908,3763,473,795 5,117,485 2,942,849 4,139,991 5,396,990 2,638,160 3,400,068 4,200,071 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
可投資資產-自由儲蓄 3,492,8762,730,4811,360,310 1,010,005 656,039 634,216 612,013 523,325 833,585 1,169,281 2,344,988 3,225,299 3,204,835 4,111,712 5,027,476 5,877,754 6,736,347 7,526,625 8,335,673 7,797,570 7,282,549 6,716,339 6,173,791 5,571,702 5,122,457 4,658,428 4,179,312 3,684,801 3,174,583 2,648,339 2,105,744 1,546,469 970,178 376,530 72,736 -240,069 -559,662
負債餘額-期末 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
財務負擔(稅+保費+利息) 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 22,724 11,662 6,490 6,490 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
生活費總支出(含退休後生活費+利息) 480,000 487,200 494,508 501,926 509,455 517,096 524,853 532,726 540,716 548,827 557,060 565,415 573,897 582,505 591,243 600,111 609,113 618,250 627,524 636,936 646,490 656,188 666,030 676,022 686,162 696,454 706,900 717,504 728,266 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
負債攤還-本金-家庭總合計 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
支出來源圖參數
支出總額 9,696,7247,709,8244,757,476 3,723,908 7,438,838 3,388,383 3,388,545 7,339,265 3,054,973 3,123,240 9,486,657 2,593,739 3,593,917 2,666,371 2,666,553 2,741,197 2,741,385 2,818,285 2,807,418 802,660 774,197 820,235 790,911 845,027 686,162 696,454 706,900 717,504 728,266 739,190 750,278 761,532 772,956 784,550 398,159 404,132 410,193
計畫儲蓄帳戶 6,000,0003,552,5000 0 3,714,772 0 0 3,884,457 0 0 4,200,071 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
薪資/工作收入 3,360,0003,360,0003,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,360,000 3,054,973 3,123,240 3,360,000 2,593,739 3,360,000 2,666,371 2,666,553 2,741,197 2,741,385 2,818,285 2,807,418 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
勞退+理財收入(含保險金) 336,724 34,929 27,305 13,603 10,100 6,560 6,342 6,120 0 0 1,926,586 0 213,453 0 0 0 0 0 0 264,557 259,176 254,025 248,363 242,938 236,917 232,425 227,784 222,993 218,048 212,946 207,683 202,257 196,665 190,902 94,365 91,327 90,600
可投資資產-自由儲蓄 0 762,395 1,370,171 350,305 353,966 21,823 22,203 88,688 0 0 0 0 20,464 0 0 0 0 0 0 538,103 515,021 566,210 542,548 602,089 449,245 464,029 479,116 494,511 510,218 526,244 542,595 559,275 576,291 593,648 303,794 72,736 0
缺口(資產變現/降低需求) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 240,069 319,593
壽險需求模擬參數-玄哥
年度總所得 6,389,6004,547,92927,305 13,603 10,100 6,560 6,342 6,120 5,233 8,336 11,693 23,450 122,853 122,648 131,717 140,875 149,378 157,963 165,866 173,957 168,576 163,425 157,763 152,338 146,317 141,825 137,184 132,393 127,448 122,346 117,083 111,657 106,065 100,302 94,365 91,327 90,600
年度支出 3,696,7244,157,3244,457,541 3,403,884 1,557,870 3,058,877 3,070,593 1,173,305 2,727,602 2,773,902 1,467,888 2,234,034 3,246,845 2,295,985 2,309,182 2,359,807 2,373,403 2,425,558 2,277,945 404,575 390,344 410,118 395,456 422,514 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 398,159 404,132 410,193
可投資資產-總額 3,492,8763,918,409-460,764 -3,864,648 -5,422,518 -8,481,395 -11,551,988-12,725,293-15,452,895 -18,226,797-19,694,685-21,928,719-25,084,964-27,290,349 -29,508,931-31,778,138-34,060,941-36,395,899-38,583,244 -38,897,219-39,196,963-39,516,481-39,821,337-40,153,251 -40,405,732-40,663,359-40,926,209-41,194,361-41,467,894 -41,746,889-42,031,428-42,321,594-42,617,472 -42,919,147-43,226,706-43,540,238-43,859,831
壽險需求模擬參數-秋月
年度總所得 6,389,6004,547,9293,387,305 3,373,603 3,370,100 3,366,560 3,366,342 3,366,120 3,365,233 3,458,936 6,462,293 3,474,050 3,482,853 3,482,648 3,491,717 3,500,875 3,509,378 3,517,963 3,525,866 173,957 168,576 163,425 157,763 152,338 146,317 141,825 137,184 132,393 127,448 122,346 117,083 111,657 106,065 100,302 3,765 727 0
年度支出 3,696,7244,157,3244,456,941 3,403,284 1,557,270 3,058,277 3,069,993 1,172,705 2,727,002 2,773,302 1,467,288 2,233,434 3,246,245 2,295,385 2,308,582 2,359,207 2,372,803 2,424,958 2,584,786 398,085 383,854 410,118 395,456 422,514 343,081 348,227 353,450 358,752 364,133 369,595 375,139 380,766 386,478 392,275 0 0 0
可投資資產-總額 3,492,8763,918,4092,899,836 2,914,548 4,775,568 5,172,802 5,566,265 7,864,885 8,655,180 9,505,581 14,679,004 16,189,750 16,717,900 18,207,473 19,713,640 21,199,305 22,701,088 24,180,751 25,530,180 25,733,298 25,954,709 26,154,285 26,372,514 26,568,050 26,846,930 27,126,241 27,405,915 27,685,881 27,966,065 28,246,391 28,526,779 28,807,148 29,087,412 29,367,485 29,954,834 30,553,930 31,165,008
4. 方案 C