{"id":355,"date":"2024-02-04T13:13:12","date_gmt":"2024-02-04T05:13:12","guid":{"rendered":"https:\/\/henrysfinancialnotes.com\/?p=355"},"modified":"2024-03-03T15:23:32","modified_gmt":"2024-03-03T07:23:32","slug":"72-rule-and-compound-growth-rate","status":"publish","type":"post","link":"https:\/\/henrysfinancialnotes.com\/en\/72-rule-and-compound-growth-rate\/","title":{"rendered":"9%\u5831\u916c\u7387\u9ad8\u55ce?  \u752872\u6cd5\u5247\u5feb\u901f\u638c\u63e1\u8907\u5229\u7684\u901f\u5ea6!"},"content":{"rendered":"<p class=\"has-text-align-justify\"><a href=\"https:\/\/henrysfinancialnotes.com\/9%e6%88%90%e7%be%8e%e8%82%a1%e5%9f%ba%e9%87%91%e8%a1%a8%e7%8f%be%e8%bc%b8%e6%8c%87%e6%95%b8-%e7%82%ba%e4%bb%80%e9%ba%bc%e4%bd%a0%e4%b8%8d%e8%a9%b2%e8%b2%b7%e5%9f%ba%e9%87%91\/\">\u4e0a\u7bc7\u6587\u7ae0<\/a>\u63d0\u5230\uff0cS&amp;P500\u6307\u6578\u57281980\u52302024\u5e74\u521d\u768443\u5e74\u9593\u6574\u6574\u4e0a\u6f32\u4e8644\u500d\uff0c<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f68e00\" class=\"has-inline-color\">\u5e73\u5747\u5e74\u5316\u5831\u916c\u7387\u7d049%<\/mark><\/strong>\uff0c\u5982\u679c\u4f60\u8ddf\u54c8\u5229\u4e00\u6a23\u4eca\u5e7428\u6b72\uff0c\u6c7a\u5b9a\u6295\u5165100\u842c\u8cb7\u9032<a href=\"https:\/\/advisors.vanguard.com\/investments\/products\/voo\/vanguard-sp-500-etf\" target=\"_blank\" rel=\"noopener\">VOO<\/a>(S&amp;P500\u6307\u6578ETF)\uff0c\u4e26\u522a\u6389\u4e0b\u55aeAPP\u3001\u770b\u76e4\u8edf\u9ad4\uff0c\u5f9e\u6b64\u4e0d\u518d\u95dc\u5fc3\u80a1\u7968\uff0c30\u5e74\u5f8c\uff0c\u7576\u4f60\u8f09\u56deAPP\uff0c\u6703\u767c\u73fe<strong>\u7576\u521d\u7684100\u842cVOO\u5e02\u503c\u5c07\u6210\u9577\u5230\u8d85\u904e1300\u842c\u5143<\/strong>\u3002\u4e0b\u5716\u662f\u4f60\u80a1\u7968\u50f9\u503c\u6210\u9577\u7684\u901f\u5ea6 : (\u8a3b)<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/50%E8%90%AC%E5%85%83%E6%8A%95%E5%85%A5%E8%82%A1%E5%B8%82by-age-with-background-4.png?resize=1024%2C576&#038;ssl=1\" alt=\"100\u842c\u5143\u572830\u5e74\u9593\u4ee5\u5e74\u5831\u916c\u73879%\u901f\u5ea6\u6210\u9577\" class=\"wp-image-422\" style=\"width:750px;height:auto\" srcset=\"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/50%E8%90%AC%E5%85%83%E6%8A%95%E5%85%A5%E8%82%A1%E5%B8%82by-age-with-background-4.png?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/50%E8%90%AC%E5%85%83%E6%8A%95%E5%85%A5%E8%82%A1%E5%B8%82by-age-with-background-4.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/50%E8%90%AC%E5%85%83%E6%8A%95%E5%85%A5%E8%82%A1%E5%B8%82by-age-with-background-4.png?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/50%E8%90%AC%E5%85%83%E6%8A%95%E5%85%A5%E8%82%A1%E5%B8%82by-age-with-background-4.png?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/50%E8%90%AC%E5%85%83%E6%8A%95%E5%85%A5%E8%82%A1%E5%B8%82by-age-with-background-4.png?w=1920&amp;ssl=1 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">100\u842c\u5143\u572830\u5e74\u9593\u4ee5\u5e74\u5831\u916c\u73879%\u901f\u5ea6\u6210\u9577<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">\u6bcf\u96948\u5e74\u5c31\u7ffb\u500d\ud83e\udd14 \u5de7\u5408?<\/h2>\n\n\n\n<p class=\"has-text-align-justify\">\u7d30\u770b\u4e0a\u5716\uff0c\u53ef\u4ee5\u767c\u73feETF\u6bcf\u5e74\u7684\u5e02\u503c\u6210\u9577\u90fd\u9ad8\u65bc\u524d\u4e00\u5e74\uff0c\u9019\u5c31\u662f\u80a1\u50f9\u8907\u5229\u6210\u9577\u7684\u6548\u679c\u3002\u4f46\u9664\u6b64\u4e4b\u5916\uff0c\u5176\u5be6\u9084\u6709\u500b\u6709\u8da3\u7684\u73fe\u8c61 &#8211; \u5f9e\u54c8\u5229<mark style=\"background-color:rgba(0, 0, 0, 0);color:#f68e00\" class=\"has-inline-color\"><strong>28\u6b72\u8cb7\u9032100\u842c\u5143<\/strong><\/mark>VOO\u5f8c\uff0c\u9019\u6a94ETF\u7684\u5e02\u503c\u5c07\u5728\u6211<mark style=\"background-color:rgba(0, 0, 0, 0);color:#f68e00\" class=\"has-inline-color\"><strong>36\u6b72\u6642\u9054\u5230199.2\u842c\u5143\uff0c44\u6b72\u6642\u4e0a\u5347\u81f3397\u842c\uff0c52\u6b72\u6642\u589e\u52a0\u81f3791.1\u842c<\/strong><\/mark>\uff0c\u5e73\u5747\u4f86\u8aaa\uff0c\u6bcf8\u5e74\u6211\u7684\u80a1\u7968\u5e02\u503c\u5c31\u5927\u7d04\u589e\u52a0\u4e861\u500d\uff0c\u9019\u662f\u5de7\u5408\u55ce?<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">72\u6cd5\u5247\u5feb\u901f\u8a08\u7b97\u8cc7\u7522\u7ffb\u500d\u901f\u5ea6<\/h2>\n\n\n\n<p class=\"has-text-align-justify\">\u8b0e\u5e95\u63ed\u66c9 &#8211; \u5176\u5be6\u9019\u5168\u662f\u7cbe\u5fc3\u6311\u9078\u904e\u7684\u6578\u5b57(\u8aa4)\uff0c\u76f8\u53cd\u5730\uff0c\u5176\u5be6\u662f\u6709\u4e00\u500b\u7a31\u70ba<strong>\u300c72\u6cd5\u5247\u300d<\/strong>\u7684\u516c\u5f0f\uff0c\u80fd\u5e6b\u6211\u5011<mark style=\"background-color:rgba(0, 0, 0, 0);color:#f68e00\" class=\"has-inline-color\"><strong>\u5728\u77e5\u9053\u5e74\u5831\u916c\u7387\u7684\u60c5\u6cc1\u4e0b\uff0c\u5feb\u901f\u8a08\u7b97\u7d93\u904e\u5e7e\u5e74\u5f8c\u80a1\u7968\u7684\u5e02\u503c\u6703\u589e\u52a0\u4e00\u500d<\/strong><\/mark>(\u4f46\u5176\u5be6\u4e0d\u53ea\u662f\u80a1\u7968\uff0c\u6d3b\u5b58\u3001<a href=\"https:\/\/henrysfinancialnotes.com\/things-need-to-know-before-usd-fixed-deposit\/\">\u5230\u671f\u9818\u606f\u4e14\u672c\u5229\u7e8c\u5b58\u7684\u5b9a\u5b58<\/a>\u4e00\u6a23\u9069\u7528) :<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>72 \u00f7 \u5e74\u5831\u916c\u7387(%) = \u5e02\u503c\u9700\u8981\u591a\u5c11\u5e74\u624d\u80fd\u7ffb\u500d\u7684\u5e74\u6578<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-justify\">\u8209\u4f8b\u4f86\u8aaa\uff0c\u6709\u4e9b\u9280\u884c\u53f0\u5e63\u512a\u5229\u6d3b\u5b58\u5229\u7387\u662f2%\uff0c\u800c\u4f60\u5728\u88e1\u9762\u5b58\u4e8610\u842c\u5143\uff0c\u90a3\u5c31\u53ef\u4ee5\u7b97\u51fa\u9700\u8981\u7d93\u904e36\u5e74(72<strong>\u00f7<\/strong>2)\uff0c\u5e33\u6236\u88e1\u7684\u91d1\u984d\u624d\u6703\u6210\u9577\u81f320\u842c\u5143\uff1b\u7f8e\u51431\u5e74\u671f\u5b9a\u5b58\u5229\u73873.8%\uff0c\u8981\u904e18.95\u5e74(72<strong>\u00f7<\/strong>3.8)\u5b9a\u5b58\u91d1\u984d\u624d\u6703\u7ffb\u500d\u3002\u53cd\u904e\u4f86\u8aaa\uff0c\u6211\u5011\u4e5f\u53ef\u4ee5\u628a\u516c\u5f0f\u6539\u6210\u9019\u6a23 :<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>72 \u00f7 \u60f3\u8981\u5e02\u503c\u5728\u5e7e\u5e74\u5167\u7ffb\u500d = \u9700\u8981\u7684\u5e74\u5831\u916c\u7387(%)<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-justify\">\u82e5\u54c8\u5229\u5e0c\u671b\u81ea\u5df1\u7684\u80a1\u50b5\u914d\u7f6e\u6295\u8cc7\u7d44\u5408\u80fd\u572810\u5e74\u5167\u5e02\u503c\u6210\u95771\u500d\uff0c\u90a3\u9019\u500b\u6295\u8cc7\u7d44\u5408\u5c31\u9700\u8981\u9054\u5230\u6bcf\u5e747.2%(72<strong>\u00f7<\/strong>10)\u7684\u5831\u916c\u7387\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">72\u6cd5\u5247\u7684\u4fb7\u9650<\/h2>\n\n\n\n<p class=\"has-text-align-justify\">\u770b\u5230\u9019\u88e1\uff0c\u4f60\u53ef\u80fd\u5df2\u7d93\u6ce8\u610f\u5230\uff0c\u7b2c\u4e00\u6bb5\u8cb7100\u842cVOO\u7684\u4f8b\u5b50\uff0c\u57289%\u5e74\u5831\u916c\u7387\u4e0b\uff0c8\u5e74\u5f8c\u6210\u9577\u81f3199.2\u842c\u5143\uff0c\u518d8\u5e74\u5f8c\u589e\u52a0\u81f3397\u842c\uff0c\u53c88\u5e74\u5f8c\u4e0a\u5347\u5230791.1\u842c &#8211; <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f68e00\" class=\"has-inline-color\">72\u6cd5\u5247\u7b97\u51fa\u7684\u7d50\u679c\u6703\u63a5\u8fd12\u500d\uff0c\u4f46\u4e0d\u6703\u525b\u597d\u662f2\u500d<\/mark><\/strong>\uff0c\u66f4\u7cdf\u7cd5\u7684\u662f\uff0c\u6211\u5011\u5982\u679c\u4ee5\u6700\u6975\u7aef\u7684\u4f8b\u5b50 &#8211; \u5e74\u5831\u916c\u738772%\u7684\u60c5\u6cc1\u4e0b\uff0c72\u6cd5\u5247\u7684\u516c\u5f0f\u6703\u544a\u8a34\u6211\u5011\u53ea\u89811\u5e74\u6211\u5011\u7684\u8cc7\u7522\u50f9\u503c\u5c31\u6703\u7ffb\u500d\uff0c\u4f46\u4e8b\u5be6\u537b\u662f\u8cc7\u7522\u5176\u5be6\u53ea\u589e\u52a0\u4e8672%\uff0c\u96e2\u7ffb\u500d\u7684100%\u5dee\u4e86\u6574\u657428%! (\u5982\u4e0b\u5716)<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/72-rule-4.png?resize=1024%2C576&#038;ssl=1\" alt=\"\u5728\u5e74\u5831\u916c\u7387\u5f9e1%\u589e\u52a0\u81f3100%\u7684\u904e\u7a0b\u4e2d72\u6cd5\u5247\u9010\u6f38\u5931\u6e96(X\u5ea7\u6a19\u70ba\u5831\u916c\u7387%)\" class=\"wp-image-424\" srcset=\"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/72-rule-4.png?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/72-rule-4.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/72-rule-4.png?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/72-rule-4.png?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/72-rule-4.png?w=1920&amp;ssl=1 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u5728\u5e74\u5831\u916c\u7387\u5f9e1%\u589e\u52a0\u81f3100%\u7684\u904e\u7a0b\u4e2d72\u6cd5\u5247\u9010\u6f38\u5931\u6e96<br>(X\u5ea7\u6a19\u70ba\u5831\u916c\u7387%)<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">\u7d50\u8ad6 &#8211; 72\u6cd5\u5247\u9084\u662f\u5f88\u9999<\/h2>\n\n\n\n<p class=\"has-text-align-justify\">\u96d6\u713672\u6cd5\u5247\u5728\u5e74\u5831\u916c\u7387\u8d85\u9ad8\u7684\u60c5\u6cc1\u4e0b\uff0c\u6c92\u8fa6\u6cd5\u6e96\u78ba\u8a08\u7b97\u6295\u8cc7\u5e02\u503c\u7ffb\u500d\u7684\u5e74\u6578\uff0c\u4f46\u597d\u6d88\u606f(?)\u662f\uff0c\u5e02\u5834\u4e0a\u4e5f\u5e7e\u4e4e\u6c92\u6709\u5831\u916c\u7387\u9019\u9ebc\u9ad8\u7684\u6295\u8cc7\u6a19\u7684\uff0c<strong>\u57fa\u672c\u4e0a\u5e74\u5831\u916c\u7387\u572810%\u4ee5\u5167\uff0c72\u6cd5\u5247\u7684\u6e96\u78ba\u6027\u90fd\u662f\u975e\u5e38\u9ad8\u7684<\/strong>\uff0c\u6240\u4ee5\u5982\u679c\u4e4b\u5f8c\u6709\u4eba\u544a\u8a34\u7684\uff0c\u67d0\u6a94ETF\u7684\u9577\u671f\u5e74\u8a71\u5831\u916c\u7387\u662f6%\uff0c\u90a3\u6211\u76f8\u4fe1\u4f60\u5df2\u7d93\u53ef\u4ee5\u572810\u79d2\u5167\u7b97\u51fa\u8981\u6301\u6709\u9019\u6a94ETF\u591a\u4e45\u5e02\u503c\u624d\u6703X2\u4e86\u5c0d\u5427 : )<\/p>\n\n\n\n<p class=\"has-text-align-justify\">\u8a3b : \u6301\u6709\u80a1\u7968ETF\u6642\uff0c\u7531\u65bc\u80a1\u50f9\u7684\u8d77\u4f0f\uff0c\u5e02\u503c\u4e0d\u6703\u50cf\u5716\u4e2d\u7a69\u5b9a\u5411\u4e0a\uff0c\u672c\u5716\u662f\u7c21\u5316\u6210\u6bcf\u5e74\u5831\u916c\u7387\u90fd\u662f9%\u7684\u60c5\u6cc1\u4e0b\uff0cETF\u5e02\u503c\u6210\u9577\u7684\u6a21\u6a23\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5982\u679c\u4f60\u6c7a\u5b9a\u6295\u5165100\u842c\u8cb7\u9032ETF\uff0c\u4e26\u5f9e\u6b64\u4e0d\u518d\u95dc\u5fc3\u80a1\u7968\uff0c30\u5e74\u5f8c\uff0c\u6703\u767c\u73fe\u7576\u521d\u7684100\u842cETF\u5e02\u503c\u5c07\u6210\u9577\u5230\u8d85\u904e..<\/p>","protected":false},"author":1,"featured_media":434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[46,48,47,49],"class_list":["post-355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","tag-46","tag-48","tag-47","tag-49"],"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/9%E5%A0%B1%E9%85%AC%E7%8E%87%E9%AB%98%E5%97%8E-%E7%94%A872%E6%B3%95%E5%89%87%E5%BF%AB%E9%80%9F%E6%8E%8C%E6%8F%A1%E8%A4%87%E5%88%A9%E7%9A%84%E9%80%9F%E5%BA%A6cover-scaled.jpg?fit=2560%2C1707&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/355","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/comments?post=355"}],"version-history":[{"count":5,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/355\/revisions"}],"predecessor-version":[{"id":699,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/355\/revisions\/699"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media\/434"}],"wp:attachment":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media?parent=355"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/categories?post=355"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/tags?post=355"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}