1994年哈佛大學的學雜費等總共是$25,000.2012年是$50,000.18年裏翻了一倍. 按照這個速度, 18年後4年藤校本科的學費將是$400,000.如果現在給一個1歲的孩子存錢在529裏,18年後可以得到多少錢? 這要取決於投資回報率的多少.
2012年的股市道瓊斯指數是1994年的3.62倍,18年裏道瓊斯年平均增長率為18.95%.根據勞動部最新數據, 2010年GDP是1992年的2.31倍.18年的年平均增長率為16.72%.保守起見,我以16.72%作為529計劃的年增長率來計算投資回報.
下麵的表格顯示：
如果每月存$100,一年存$1,200,18年後帳戶總額將是$108,850.其中本金為$21,600;投資回報為$87,000.
如果每月存$200,一年存$2,400,18年後帳戶總額將是$217,700.其中本金為$43,200;投資回報為$174,500.
如果每月存$370,一年存$4,440,18年後帳戶總額將是$402,726.
如果有兩個孩子, 每年需存$8,880才能正好滿足學費.
| 年存款 | $1,200 | $2,400 | $3,600 | $4,440 |
| 月存款 | $100 | $200 | $300 | $370 |
| 市場回報率 | 16.72% | 16.72% | 16.72% | 16.72% |
| Year | Total Balance | |||
| 1 | $1,200 | $2,400 | $3,600 | $4,440 |
| 2 | $2,601 | $5,201 | $7,802 | $9,622 |
| 3 | $4,235 | $8,471 | $12,706 | $15,671 |
| 4 | $6,144 | $12,287 | $18,431 | $22,731 |
| 5 | $8,371 | $16,742 | $25,113 | $30,972 |
| 6 | $10,970 | $21,941 | $32,911 | $40,591 |
| 7 | $14,005 | $28,009 | $42,014 | $51,817 |
| 8 | $17,546 | $35,093 | $52,639 | $64,921 |
| 9 | $21,680 | $43,360 | $65,040 | $80,216 |
| 10 | $26,505 | $53,010 | $79,515 | $98,068 |
| 11 | $32,137 | $64,273 | $96,410 | $118,905 |
| 12 | $38,710 | $77,420 | $116,129 | $143,226 |
| 13 | $46,382 | $92,764 | $139,146 | $171,614 |
| 14 | $55,337 | $110,674 | $166,012 | $204,748 |
| 15 | $65,790 | $131,579 | $197,369 | $243,421 |
| 16 | $77,990 | $155,979 | $233,969 | $288,561 |
| 17 | $92,229 | $184,459 | $276,688 | $341,249 |
| 18 | $108,850 | $217,700 | $326,551 | $402,746 |
| 本金 | $21,600 | $43,200 | $64,800 | $79,920 |
| 投資回報 | $87,250 | $174,500 | $261,751 | $322,826 |
