透過Excel大神，運算未來走勢

兩月 收入	9131.25
兩月 支出	-5538.8
	1.01
年股息	$88,633
0.07	-$245,334
0.05	-$409,035
	0% 借款	平均 收入	7%借款 餘額	7%利息 支出	5%借款 餘額	5%利息 支出	淨值
06/2016	-$8,750	$18,365	-$245,334	-$2,862	-$409,035	-$3,409	$630,845
08/2016	-$5,000	$18,425	-$229,771	-$2,681	-$412,443	-$4,237	$650,801
10/2016	-$5,000	$18,523	-$213,929	-$2,496	-$416,680	-$3,472	$670,287
12/2016	-$5,000	$18,622	-$197,802	-$2,308	-$420,153	-$3,501	$690,900
02/2017	-$5,000	$18,723	-$181,387	-$2,116	-$423,654	-$3,530	$711,852
04/2017	-$5,000	$18,824	-$164,679	-$1,921	-$427,184	-$3,560	$733,149
06/2017	-$5,000	$18,926	-$147,674	-$1,723	-$430,744	-$3,590	$754,794
08/2017	-$5,000	$19,030	-$130,367	-$1,521	-$434,334	-$3,619	$776,794
10/2017	-$5,000	$19,134	-$112,754	-$1,315	-$437,953	-$3,650	$799,152
12/2017	-$5,000	$19,240	-$94,830	-$1,106	-$441,603	-$3,680	$821,875
02/2018	-$5,000	$19,346	-$76,590	-$894	-$445,283	-$3,711	$844,968
04/2018	-$5,000	$19,454	-$58,030	-$677	-$448,994	-$3,742	$868,436
06/2018	-$5,000	$19,562	-$39,145	-$457	-$452,735	-$3,773	$892,284
08/2018	-$5,000	$19,672	-$19,930	-$233	-$456,508	-$3,804	$916,518
10/2018	-$5,000	$19,783	$0	$0	-$460,459	-$3,837	$941,376
12/2018	-$2,500	$19,895	$0	$0	-$444,402	-$3,703	$968,927
02/2019	$0	$20,033	$0	$0	-$428,073	-$3,567	$999,389
04/2019	$0	$20,197	$0	$0	-$411,443	-$3,429	$1,030,293
06/2019	$0	$20,363	$0	$0	-$394,509	-$3,288	$1,061,645
08/2019	$0	$20,531	$0	$0	-$377,266	-$3,144	$1,093,450
10/2019	$0	$20,700	$0	$0	-$359,709	-$2,998	$1,125,713
12/2019	$0	$20,871	$0	$0	-$341,836	-$2,849	$1,158,441

7%利息支出的借款，實在令人頭痕，上述運算是假設每次收到息即時還錢，先還7%果筆本金，清哂再還5%的，此時，允許5%利息支出的借款本息不還，任由佢不斷發大。

此運算假設我每兩個月工作收入能存(9131.25-5538.8)=3592.45元

　　　假設股息每年上升6%

　　　假設銀行抵押借款為5%繼續不變。

　　　假設我的食住行開支變動為0%

Excel大神運算出，我今年底合理淨值為$690900，好耶。

(註，本人歷史高位為2015年6月23日$715022)

上圖為小弟自2009年起淨資產值(紅線)走勢，現金為(綠線)。