每月現金流三萬的奇想

要每月有三萬元, 一年就係 $360,000 現金流

條公式係 本金 X 回報率 = $360,000

5% yield 唔難找. 如果 5% yield, 咁本金就要7,200,000. 如果回報再高的, 需要本金就越少. 見下表:

$6,000,000 X 6% = $360,000
$5,142,857 X 7% = $360,000
$4,500,000 X 8% = $360,000
$4,000,000 X 9% = $360,000
$3,600,000 X 10% = $360,000
$3,272,727 X 11% = $360,000
$3,000,000 X 12% = $360,000
$2,769,230 X 13% = $360,000
$2,571,428 X 14% = $360,000
$2,400,000 X 15% = $360,000
$2,250,000 X 16% = $360,000
$2,117,647 X 17% = $360,000
$2,000,000 X 18% = $360,000
$1,894,736 X 19% = $360,000
$1,800,000 X 20% = $360,000

所以, 股災時我見到的是超高回報, 根本唔使驚, 就驚就係冇cash買貨. 所以買入高質又有股息收的股票好重要, 坐艇時重有現金流買超高yield 的股票. 等待下一個cycle來臨!