投资目标计算器
Calculators provided by bchrt.com
Financial Calculators ©19982016 KJE Computer Solutions, LLC
 Investment goal
 Your goal for the total value of your investment or investments.
投资计划： 按空格键隐藏输入 
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 Years to accumulate
 The number of years you have to save.
 Amount of initial investment
 Total amount you will initially invest or have currently have invested toward your investment goal.
 Rate of return on investment

This is the rate of return you expect from your investments. You are also able to select the frequency that earnings are compounded in your investment account. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor's 500® (S&P 500®) for the 10 years ending December 31^{st} 2016, had an annual compounded rate of return of 6.6%, including reinvestment of dividends. From January 1, 1970 to December 31^{st} 2016, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.3% (source: www.standardandpoors.com). Since 1970, the highest 12month return was 61% (June 1982 through June 1983). The lowest 12month return was 43% (March 2008 to March 2009). Savings accounts at a financial institution may pay as little as 0.25% or less but carry significantly lower risk of loss of principal balances.
It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for longterm investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that Separate Account investment funds and/or investment companies may charge.
 Periodic contribution
 The amount you will contribute each period to your investment. You are also able to select whether you wish to have your contribution happen at the beginning or the end of the period.
 Contribution frequency
 The frequency you will make regular contributions to this investment.
 Compound interest
 Interest on an investment's interest, plus previous interest. The more frequently this occurs, the sooner your accumulated interest will generate additional interest. You should check with your financial institution to find out how often interest is being compounded on your particular investment.
 Make deposits at beginning of the period
 Check this box to have all additional contributions happen at the beginning of each period. Uncheck this box for the end of the period. Making contributions at the beginning of each period allows your money to begin earning a return immediately increasing your return.
投资税和通货膨胀：
2.9% 通货膨胀率， 25% 税率 ， 6% 税率
按空格键显示输入 
[+] 
 Expected inflation rate
 This is what you expect for the average longterm inflation rate. A common measure of inflation in the U.S. is the Consumer Price Index (CPI). From 1925 through 2016 the CPI has a longterm average of 2.9% annually. Over the last 40 years highest CPI recorded was 13.5% in 1980. For 2016, the last full year available, the CPI was 1.1% annually as reported by the Minneapolis Federal Reserve.
 Federal marginal tax rate

Your Federal marginal tax rate. Use the table below to assist you in estimating your federal tax rate.
Filing Status and Income Tax Rates 2017^{*} Tax Rate Married Filing Jointly or Qualified Widow(er) Single Head of Household Married Filing Separately 10% ¥0  ¥18,650 ¥0  ¥9,325 ¥0  ¥13,350 ¥0  ¥9,325 15% ¥18,650  ¥75,900 ¥9,325  ¥37,950 ¥13,350  ¥50,800 ¥9,325  ¥37,950 25% ¥75,900  ¥153,100 ¥37,950  ¥91,900 ¥50,800  ¥131,200 ¥37,950  ¥76,550 28% ¥153,100  ¥233,350 ¥91,900  ¥191,650 ¥131,200  ¥212,500 ¥76,550  ¥116,675 33% ¥233,350  ¥416,700 ¥191,650  ¥416,700 ¥212,500  ¥416,700 ¥116,675  ¥208,350 35% ¥416,700  ¥470,700 ¥416,700  ¥418,400 ¥416,700  ¥444,550 ¥208,350  ¥235,350 39.6% Over ¥470,700 Over ¥418,400 Over ¥444,550 Over ¥235,350 ^{*}Caution: Do not use these tax rate schedules to figure 2016 taxes. Use only to figure 2017 estimates. Source: Rev. Proc. 201655
 State marginal tax rate
 Your marginal state tax rate. If your state taxes are deductible on your Federal return, we will take this into account when calculating your combined state and Federal marginal tax rate.
 Deductible state taxes
 Check here if your state taxes are deductible on your Federal return. Generally speaking if you itemize your deductions on Schedule A of your Federal return you should check this box.
您当前的计划在税前和通货膨胀 182，945 年后产生 10 元。 按空格键隐藏图形 
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Definitions
 Investment goal
 Your goal for the total value of your investment or investments.
 Years to accumulate
 The number of years you have to save.
 Amount of initial investment
 Total amount you will initially invest or have currently have invested toward your investment goal.
 Periodic contribution
 The amount you will contribute each period to your investment. You are also able to select whether you wish to have your contribution happen at the beginning or the end of the period.
 Contribution frequency
 The frequency you will make regular contributions to this investment.
 Compound interest
 Interest on an investment's interest, plus previous interest. The more frequently this occurs, the sooner your accumulated interest will generate additional interest. You should check with your financial institution to find out how often interest is being compounded on your particular investment.
 Make deposits at beginning of the period
 Check this box to have all additional contributions happen at the beginning of each period. Uncheck this box for the end of the period. Making contributions at the beginning of each period allows your money to begin earning a return immediately increasing your return.
 Rate of return on investment

This is the rate of return you expect from your investments. You are also able to select the frequency that earnings are compounded in your investment account. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor's 500® (S&P 500®) for the 10 years ending December 31^{st} 2016, had an annual compounded rate of return of 6.6%, including reinvestment of dividends. From January 1, 1970 to December 31^{st} 2016, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.3% (source: www.standardandpoors.com). Since 1970, the highest 12month return was 61% (June 1982 through June 1983). The lowest 12month return was 43% (March 2008 to March 2009). Savings accounts at a financial institution may pay as little as 0.25% or less but carry significantly lower risk of loss of principal balances.
It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for longterm investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that Separate Account investment funds and/or investment companies may charge.
 Expected inflation rate
 This is what you expect for the average longterm inflation rate. A common measure of inflation in the U.S. is the Consumer Price Index (CPI). From 1925 through 2016 the CPI has a longterm average of 2.9% annually. Over the last 40 years highest CPI recorded was 13.5% in 1980. For 2016, the last full year available, the CPI was 1.1% annually as reported by the Minneapolis Federal Reserve.
 Federal marginal tax rate

Your Federal marginal tax rate. Use the table below to assist you in estimating your federal tax rate.
Filing Status and Income Tax Rates 2017^{*} Tax Rate Married Filing Jointly or Qualified Widow(er) Single Head of Household Married Filing Separately 10% ¥0  ¥18,650 ¥0  ¥9,325 ¥0  ¥13,350 ¥0  ¥9,325 15% ¥18,650  ¥75,900 ¥9,325  ¥37,950 ¥13,350  ¥50,800 ¥9,325  ¥37,950 25% ¥75,900  ¥153,100 ¥37,950  ¥91,900 ¥50,800  ¥131,200 ¥37,950  ¥76,550 28% ¥153,100  ¥233,350 ¥91,900  ¥191,650 ¥131,200  ¥212,500 ¥76,550  ¥116,675 33% ¥233,350  ¥416,700 ¥191,650  ¥416,700 ¥212,500  ¥416,700 ¥116,675  ¥208,350 35% ¥416,700  ¥470,700 ¥416,700  ¥418,400 ¥416,700  ¥444,550 ¥208,350  ¥235,350 39.6% Over ¥470,700 Over ¥418,400 Over ¥444,550 Over ¥235,350 ^{*}Caution: Do not use these tax rate schedules to figure 2016 taxes. Use only to figure 2017 estimates. Source: Rev. Proc. 201655  State marginal tax rate
 Your marginal state tax rate. If your state taxes are deductible on your Federal return, we will take this into account when calculating your combined state and Federal marginal tax rate.
 Deductible state taxes
 Check here if your state taxes are deductible on your Federal return. Generally speaking if you itemize your deductions on Schedule A of your Federal return you should check this box.
什么是投资？
投资是指您分配资源（通常是金钱）以希望赚取收入或利润。您可以将资金投资于创办公司或购买房产等企业，以期以后以更好的价格转售。
欲了解更多信息，请查看此链接！
涉及的要素
任何典型金融投资的四个关键要素是：
虽然投资计算器可用于计算各种类型的投资（以及其他），但真正的问题是确定每个要素的值。例如，在房屋投资计算中，可以使用历史平均回报率或未来预测作为“回报率”变量。也可以将所有资本成本或与购买工厂相关的部分现金流作为“额外贡献”的投入包括在内。由于这种困难，不可能提出精确的计算。因此，应该非常认真地对待结果。