“คิดเงินให้ได้ล้านแรก” กล่าวง่ายแม้กระนั้นดูราวกับว่ายาก เพราะเหตุว่ากว่าจะเก็บได้ luciabet แต่ละเดือนเพียงแค่คิดก็เมื่อยล้าแล้ว แต่ว่าถ้าหากพวกเรารู้จักคิดแผน แบ่งเงินเป็นสัดส่วน หรือมีตัวช่วยประหยัดเวลาการเก็บเงินให้เร็วขึ้นยิ่งได้โอกาสคิดบัญชีรวมทั้งได้สัมผัสล้านแรกแน่ๆ อยากทราบมั้ยจะต้องทำเช่นไร ที่จะแนะแนวทางสร้างเงินเก็บให้งอกงามสู้ล้านแรกได้เร็วขึ้น

แนวทางเพิ่มพลังเงินออมให้เพิ่มพูนสู้วัตถุประสงค์เงินล้านที่อยากได้ได้เร็วขึ้นมี 2 แนวทาง ดังต่อไปนี้

1. คิดแผนแบ่งเงินออมให้เพิ่มขึ้นเรื่อยๆเพื่อไปถึงเป้าหมายเร็วขึ้น
ฟังดูเหมือนกับว่าง่ายแต่ว่าถึงเวลาทำอันที่จริงแล้วมองยาก เพราะเหตุว่าการเก็บเงินออม luciabet ให้มากเพิ่มขึ้นได้พอๆกับว่าจะต้องไปทุ่นค่าใช้จ่ายบางสิ่งให้ลดลง ได้แก่ เดิมคิดบัญชีได้เดือนละ 2,000 บาท ถ้าเกิดจะเก็บไปให้ถึง 1 ล้านบาท พอๆกับว่าจำเป็นต้องใช้เวลาทั้งหมดทั้งปวงราว 42 ปี กว่าจะมีเงินล้าน

2. เพิ่มผลตอบแทนมอบเงินงอกงามด้วยการลงทุน

สมมุติจะคิดบัญชีวันละ 120 บาท หรือเดือนละ 3,600 บาท แล้วนำเงินนี้ไปลงทุนแบบ DCA ใน 3 หนทาง

เงินออมแบงค์ที่ได้ผลทดแทนราวๆ 0.75% ต่อปี
กองทุนรวมตราสารหนี้สินที่ได้ผลทดแทนราวๆ 4.00% ต่อปี
กองทุนรวมหุ้นที่ได้ผลทดแทนราว 8.00% ต่อปี

ตั้งแต่เริ่มดำเนินงานเป็นระยะเวลา 15 ปี มาดูกันว่าผลตอบแทนของโอกาสไหนจะก่อให้พวกเราไปถึงเงินล้านเร็วที่สุด

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