複利、稅的關係（一）

複利的威力到底有多大？
稅的威力又有多強？

這些又和我們的投資有什麼關連性？

先來看看複利的威力。

用１００萬為投資目標來計算，以１塊錢開始投資，投報率為１０％，
多久之後你的１塊錢能成長到１００萬？（不考慮稅率的狀況）

用ＥＸＣＥＬ很容易就計算出來了。

次數	本金	投報率	利潤	本利和
1	1.00	10%	0.10	1.10
2	1.10	10%	0.11	1.21
3	1.21	10%	0.12	1.33
4	1.33	10%	0.13	1.46
5	1.46	10%	0.15	1.61
6	1.61	10%	0.16	1.77
7	1.77	10%	0.18	1.95
8	1.95	10%	0.19	2.14
9	2.14	10%	0.21	2.36
10	2.36	10%	0.24	2.59
11	2.59	10%	0.26	2.85
12	2.85	10%	0.29	3.14
13	3.14	10%	0.31	3.45
14	3.45	10%	0.35	3.80
15	3.80	10%	0.38	4.18
16	4.18	10%	0.42	4.59
17	4.59	10%	0.46	5.05
18	5.05	10%	0.51	5.56
19	5.56	10%	0.56	6.12
20	6.12	10%	0.61	6.73
21	6.73	10%	0.67	7.40
22	7.40	10%	0.74	8.14
23	8.14	10%	0.81	8.95
24	8.95	10%	0.90	9.85
25	9.85	10%	0.98	10.83
26	10.83	10%	1.08	11.92
27	11.92	10%	1.19	13.11
28	13.11	10%	1.31	14.42
29	14.42	10%	1.44	15.86
30	15.86	10%	1.59	17.45
31	17.45	10%	1.74	19.19
32	19.19	10%	1.92	21.11
33	21.11	10%	2.11	23.23
34	23.23	10%	2.32	25.55
35	25.55	10%	2.55	28.10
36	28.10	10%	2.81	30.91
37	30.91	10%	3.09	34.00
38	34.00	10%	3.40	37.40
39	37.40	10%	3.74	41.14
40	41.14	10%	4.11	45.26
41	45.26	10%	4.53	49.79
42	49.79	10%	4.98	54.76
43	54.76	10%	5.48	60.24
44	60.24	10%	6.02	66.26
45	66.26	10%	6.63	72.89
46	72.89	10%	7.29	80.18
47	80.18	10%	8.02	88.20
48	88.20	10%	8.82	97.02
49	97.02	10%	9.70	106.72
50	106.72	10%	10.67	117.39
51	117.39	10%	11.74	129.13
52	129.13	10%	12.91	142.04
53	142.04	10%	14.20	156.25
54	156.25	10%	15.62	171.87
55	171.87	10%	17.19	189.06
56	189.06	10%	18.91	207.97
57	207.97	10%	20.80	228.76
58	228.76	10%	22.88	251.64
59	251.64	10%	25.16	276.80
60	276.80	10%	27.68	304.48
61	304.48	10%	30.45	334.93
62	334.93	10%	33.49	368.42
63	368.42	10%	36.84	405.27
64	405.27	10%	40.53	445.79
65	445.79	10%	44.58	490.37
66	490.37	10%	49.04	539.41
67	539.41	10%	53.94	593.35
68	593.35	10%	59.33	652.68
69	652.68	10%	65.27	717.95
70	717.95	10%	71.80	789.75
71	789.75	10%	78.97	868.72
72	868.72	10%	86.87	955.59
73	955.59	10%	95.56	1,051.15
74	1,051.15	10%	105.12	1,156.27
75	1,156.27	10%	115.63	1,271.90
76	1,271.90	10%	127.19	1,399.08
77	1,399.08	10%	139.91	1,538.99
78	1,538.99	10%	153.90	1,692.89
79	1,692.89	10%	169.29	1,862.18
80	1,862.18	10%	186.22	2,048.40
81	2,048.40	10%	204.84	2,253.24
82	2,253.24	10%	225.32	2,478.56
83	2,478.56	10%	247.86	2,726.42
84	2,726.42	10%	272.64	2,999.06
85	2,999.06	10%	299.91	3,298.97
86	3,298.97	10%	329.90	3,628.87
87	3,628.87	10%	362.89	3,991.75
88	3,991.75	10%	399.18	4,390.93
89	4,390.93	10%	439.09	4,830.02
90	4,830.02	10%	483.00	5,313.02
91	5,313.02	10%	531.30	5,844.32
92	5,844.32	10%	584.43	6,428.76
93	6,428.76	10%	642.88	7,071.63
94	7,071.63	10%	707.16	7,778.80
95	7,778.80	10%	777.88	8,556.68
96	8,556.68	10%	855.67	9,412.34
97	9,412.34	10%	941.23	10,353.58
98	10,353.58	10%	1,035.36	11,388.94
99	11,388.94	10%	1,138.89	12,527.83
100	12,527.83	10%	1,252.78	13,780.61
101	13,780.61	10%	1,378.06	15,158.67
102	15,158.67	10%	1,515.87	16,674.54
103	16,674.54	10%	1,667.45	18,342.00
104	18,342.00	10%	1,834.20	20,176.19
105	20,176.19	10%	2,017.62	22,193.81
106	22,193.81	10%	2,219.38	24,413.20
107	24,413.20	10%	2,441.32	26,854.51
108	26,854.51	10%	2,685.45	29,539.97
109	29,539.97	10%	2,954.00	32,493.96
110	32,493.96	10%	3,249.40	35,743.36
111	35,743.36	10%	3,574.34	39,317.70
112	39,317.70	10%	3,931.77	43,249.46
113	43,249.46	10%	4,324.95	47,574.41
114	47,574.41	10%	4,757.44	52,331.85
115	52,331.85	10%	5,233.19	57,565.04
116	57,565.04	10%	5,756.50	63,321.54
117	63,321.54	10%	6,332.15	69,653.70
118	69,653.70	10%	6,965.37	76,619.07
119	76,619.07	10%	7,661.91	84,280.97
120	84,280.97	10%	8,428.10	92,709.07
121	92,709.07	10%	9,270.91	101,979.98
122	101,979.98	10%	10,198.00	112,177.97
123	112,177.97	10%	11,217.80	123,395.77
124	123,395.77	10%	12,339.58	135,735.35
125	135,735.35	10%	13,573.53	149,308.88
126	149,308.88	10%	14,930.89	164,239.77
127	164,239.77	10%	16,423.98	180,663.75
128	180,663.75	10%	18,066.37	198,730.12
129	198,730.12	10%	19,873.01	218,603.13
130	218,603.13	10%	21,860.31	240,463.45
131	240,463.45	10%	24,046.34	264,509.79
132	264,509.79	10%	26,450.98	290,960.77
133	290,960.77	10%	29,096.08	320,056.85
134	320,056.85	10%	32,005.68	352,062.53
135	352,062.53	10%	35,206.25	387,268.79
136	387,268.79	10%	38,726.88	425,995.67
137	425,995.67	10%	42,599.57	468,595.23
138	468,595.23	10%	46,859.52	515,454.76
139	515,454.76	10%	51,545.48	567,000.23
140	567,000.23	10%	56,700.02	623,700.26
141	623,700.26	10%	62,370.03	686,070.28
142	686,070.28	10%	68,607.03	754,677.31
143	754,677.31	10%	75,467.73	830,145.04
144	830,145.04	10%	83,014.50	913,159.54
145	913,159.54	10%	91,315.95	1,004,475.50
146	1,004,475.50	10%	100,447.55	1,104,923.05
147	1,104,923.05	10%	110,492.30	1,215,415.35
148	1,215,415.35	10%	121,541.54	1,336,956.89
149	1,336,956.89	10%	133,695.69	1,470,652.58
150	1,470,652.58	10%	147,065.26	1,617,717.84

在投報率為１０％的狀況下，你只要連續投資１４５次，你的１塊錢就變成１００萬了。