你寧願銀行戶口永遠每日增加200蚊港幣，定係一筆過要100萬港幣？

19年幾

洗極都增加200

梗係揀佢

To determine the best option between receiving a one-time payment of $1,000,000 or receiving $200 daily indefinitely, we need to consider the present value (PV) of these cash flows. PV calculations will help us understand how much future cash flows are worth today, given a specific interest rate (or discount rate). Let's assume an annual interest rate of 5% for this calculation, which is a reasonable average rate for long-term investments. This interest rate needs to be converted into a daily rate for our calculations, as the $200 is a daily payment.

Step 1: Convert Annual Interest Rate to Daily Rate
If we assume the annual interest rate is compounded daily, the daily interest rate \( r \) is calculated from the annual rate \( R \) as follows:
\[ r = (1 + R)^{\frac{1}{365}} - 1 \]
\[ r = (1 + 0.05)^{\frac{1}{365}} - 1 \approx 0.000136 \text{ per day} \]

Step 2: Calculate the Present Value of Each Option

Option 1: $1,000,000 One-Time Payment
The present value of receiving $1,000,000 today is straightforward:
\[ PV_1 = \$1,000,000 \]

Option 2: $200 Daily Payment Indefinitely (Perpetuity)
The present value of a perpetuity is calculated using the formula:
\[ PV = \frac{C}{r} \]
Where \( C \) is the daily payment, and \( r \) is the daily interest rate. Substituting the values:
\[ PV_2 = \frac{\$200}{0.000136} \approx \$1,470,588 \]

Step 3: Comparison of Present Values
- Option 1 PV: $1,000,000
- Option 2 PV: Approximately $1,470,588

定期3~4% , 每年拎3~4萬, 龜速式滾大?
定係股票all in or nothing 式玩命?

年紀咁撚大先成球野有咩咁威

如果我有十個戶口 。係咪每個戶口都有先

200蚊好快3餐都唔夠
一個月得6千，一年7皮鬆，好聽係十幾年有1球，事實係根本用都用撚左

Ching咁悲觀, 13年命都要懷疑自己有無

Sor囉你用29/31日去計/你扣咗老強我唔知

如果我條命有無限長/ 我嘅後代可以承繼就係

你用計數機計下200*30等於幾多先

你做到年均30% 仲洗咩攞個一球$200，返下老麥都夠做

可能佢無我地咁長命

$200 通脹

只係想睇下關唔關個利率事。

揀200蚊既人話只要夠長命就贏。但如果你真係有能力（即係你可以搵超過年利率某個%），咁揀100萬既人先係正確。

問題係，果個「某個利率」有無人識計？我唔記得曬啲數學

我用緊$2000乘，係嘅話我回帖主$6000啦

我嘅原意係想表示6皮我都想有

傻閪

年利率 30%
代表放一百萬第一年會有 $300 000 利息
或者第一日就有 $720 利息
就可以每日都攞走 $720 而保持本金唔變

相比之下，戶口每日增加 $200 就太少

即係如果有7.3%利率，200蚊就追唔到100萬

唔識真心求教
樓上計嘅複利息會好多都係單一rate去計
想問有無考慮埋而家要維持某個息口好多都有啲要求
例如新資金/大額資金
所謂滾大佢其實會唔會未必做到
即係會唔會$200第一次本+息再投資已經維持唔到同一息口去滾落去

又好似計少左，200蚊都可以有7.3%既增長

其實都只係一個一個條件咁加上去，睇下你考慮埋咩野先再比較。

例如：年期、利率、時間推移之後既利率變化、日息複息定月息複息定年息複息、保持唔用所有錢etc

如果你再加埋新資金、大額資金下利率不同、最低入場費果啲，個結果可能又會唔同左

去得in MT
唔會連future value都唔識都下話