个税税率x（比如x=0.2）： 现金流为
cashflow=[-12000*(1-x),-12000*(1-x),..., +ValueOut]
投资收益率y(比如y=0.04)最后可取金额为
Value=12000*(1+y)^n+12000*(1+y)^(n-1)+...+12000*(1+y)-12000*n*0.03
n为距离退休年份,12000*n*0.03是提取时需要交税金额
等效年化利率 rate=irr(cashflow)
假设投资收益率y=0.04,结果如下
年10%个税20%个税30%个税45%个税
105.44%7.53%9.88%14.09%
116.14%8.03%10.15%13.95%
126.22%7.95%9.88%13.35%
136.21%7.80%9.58%12.76%
146.18%7.64%9.29%12.23%
156.15%7.52%9.05%11.77%
166.12%7.39%8.82%11.36%
176.09%7.29%8.62%11.00%
186.06%7.18%8.44%10.67%
196.02%7.07%8.26%10.36%
205.98%6.98%8.10%10.09%
215.95%6.90%7.96%9.84%
225.92%6.82%7.82%9.61%
235.88%6.74%7.70%9.40%
245.86%6.67%7.59%9.21%
255.83%6.61%7.48%9.03%
265.80%6.55%7.38%8.86%
275.77%6.49%7.29%8.71%
285.75%6.44%7.20%8.56%
295.72%6.38%7.12%8.43%
305.70%6.33%7.04%8.30%
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修改:oneone11 FROM 218.28.140.*
FROM 218.28.140.*