{"type":0,"nickname":"MoneyCome.in","title":"金控股存股比較 | 2005-2019年間","myCatId":"5d6299023286fe05f50e6bd8","myCatName":"存股複利","preview":{"essayId":"5d629b533286fe05f50e6ed2","at":"s3","imgId":"5d7d184b3286fe58d4835fdd","url":{"large":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/l_5d7d184b3286fe58d4835fdd.png","medium":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/m_5d7d184b3286fe58d4835fdd.png","small":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d7d184b3286fe58d4835fdd.png","thumbnail":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d7d184b3286fe58d4835fdd.png"}},"intro":"大型金控類股，是許多股民喜歡的存股標的\n主要因為許多金控公司每年獲利穩定，更有官股加持\n只要趁股價定價錯誤時大膽買進，通常能有不錯的績效\n\n但金股股相當多檔，投資人當然想知道，究竟哪一檔表現最好？\n本文就幫大家整理從2005/01~2019/07期間，長期存股的績效表現\n## 複利比較 ##\n\n首先","hashtags":["#華南金","#富邦金","#國泰金","#開發金","#玉山金","#元大金","#兆豐金","#台新金","#新光金","#國票金","#永豐金","#中信金","#第一金","#日盛金","#合庫金","#華票"],"browsingCnt":9197,"createTime":1566743379662,"essayDate":"2019-08-25","essayTime":1566691200000,"lastModify":1568479421887,"essayId":"5d629b533286fe05f50e6ed2","sets":[{"imgId":"","at":"","url":{"large":"","medium":"","small":"","thumbnail":""},"text":"大型金控類股，是許多股民喜歡的存股標的\n主要因為許多金控公司每年獲利穩定，更有官股加持\n只要趁股價定價錯誤時大膽買進，通常能有不錯的績效\n\n但金股股相當多檔，投資人當然想知道，究竟哪一檔表現最好？\n本文就幫大家整理從2005/01~2019/07期間，長期存股的績效表現","layout":0,"from":0,"aspectRatio":-1,"w":-1,"h":-1,"setId":"5d629b533286fe05f50e6ed3"},{"imgId":"5d7d184b3286fe58d4835fdd","at":"s3","url":{"large":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/l_5d7d184b3286fe58d4835fdd.png","medium":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/m_5d7d184b3286fe58d4835fdd.png","small":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d7d184b3286fe58d4835fdd.png","thumbnail":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d7d184b3286fe58d4835fdd.png"},"text":"## 複利比較 ##\n\n首先就2005~2019存股期間\n本金100萬，每年投入6萬元(相當於每月投入5000元)\n並且領到的現金股利持續再投入，領到的股票股利也沒有賣出\n以這樣的假設下，計算至2019年時，究竟會滾出多少市值的股票呢？(請見下表)\n(使用工具：https://www.moneycome.in/tool/compound_interest )","layout":1,"from":0,"aspectRatio":1.6959,"w":1394,"h":822,"setId":"5d629b533286fe05f50e6ed4"},{"imgId":"","at":"","url":{"large":"","medium":"","small":"","thumbnail":""},"text":"進行比較的金控公司有#華南金(2880)、#富邦金(2881)、#國泰金(2882)、#開發金(2883)、#玉山金(2884)、#元大金(2885)、#兆豐金(2886)、#台新金(2887)、#新光金(2888)、#國票金(2889)、#永豐金(2890)、#中信金(2891)、#第一金(2892)、#日盛金(5820)、#合庫金(5880)\n最後再加入很常被拿來當定存股的#華票(2820)\n\n由於每家公司的上市時間不太一定\n以年化報酬率(最右欄)來看比較公平\n玉山、兆豐、合庫、華票，表現都超過6%，可謂A+級企業\n富邦、第一也有5%的表現，也相當不錯\n\n期末市值方面\n超過500萬的有玉山金、兆豐金、華票\n超過400萬的有華南金、富邦金、第一金\n\n制成長條圖較容易看","layout":0,"from":0,"aspectRatio":-1,"w":-1,"h":-1,"setId":"5d6407173286fe05f5103bd3"},{"imgId":"5d69302b3286fe5f2e342c51","at":"s3","url":{"large":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/l_5d69302b3286fe5f2e342c51.png","medium":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/m_5d69302b3286fe5f2e342c51.png","small":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d69302b3286fe5f2e342c51.png","thumbnail":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d69302b3286fe5f2e342c51.png"},"text":"圖表中特別列出定存1.5%當基準\n發現，存錯標的真的差很多！\n雖然新光金近幾年表現亮眼，但比賽是公平的\n以2005-2019年的比較來說，它甚至比定存還差","layout":0,"from":0,"aspectRatio":1.9664,"w":1286,"h":654,"setId":"5d62c2d23286fe05f50ea3ad"},{"imgId":"5d6404a43286fe05f51037a9","at":"s3","url":{"large":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/l_5d6404a43286fe05f51037a9.png","medium":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/m_5d6404a43286fe05f51037a9.png","small":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d6404a43286fe05f51037a9.png","thumbnail":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d6404a43286fe05f51037a9.png"},"text":"## 新光金 ##\n\n探究原因，乃獲利與配息不太穩定\n無法做到巴菲特要求的，很濕的雪\u0026很長的坡\n自然無法滾出漂亮的複利\n(資料來源：財報狗)","layout":1,"from":0,"aspectRatio":1.3984,"w":1432,"h":1024,"setId":"5d6407173286fe05f5103bd4"},{"imgId":"5d6405633286fe5c268065c2","at":"s3","url":{"large":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/l_5d6405633286fe5c268065c2.png","medium":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/m_5d6405633286fe5c268065c2.png","small":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d6405633286fe5c268065c2.png","thumbnail":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d6405633286fe5c268065c2.png"},"text":"## 兆豐金 ##\n\n再來看一下官股銀行兆豐金\n2005~2019每年都配的出股利，而且是現金，又是官股\n(資料來源：財報狗)","layout":1,"from":0,"aspectRatio":1.3765,"w":1404,"h":1020,"setId":"5d6407173286fe05f5103bd5"},{"imgId":"5d6406c23286fe05f5103ad1","at":"s3","url":{"large":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/l_5d6406c23286fe05f5103ad1.png","medium":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/m_5d6406c23286fe05f5103ad1.png","small":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d6406c23286fe05f5103ad1.png","thumbnail":"https://tipga.s3-ap-northeast-1.amazonaws.com/0/MoneyCome.in/s_5d6406c23286fe05f5103ad1.png"},"text":"15年下來，複利表現自然不俗\n市值年年成長，自然也是意料中的事\n(資料來源：https://www.moneycome.in )","layout":1,"from":0,"aspectRatio":2.1165,"w":1672,"h":790,"setId":"5d6407173286fe05f5103bd6"},{"imgId":"","at":"","url":{"large":"","medium":"","small":"","thumbnail":""},"text":"股神巴菲特強調\n「投資就是要找到很濕的雪，與很長的坡」\n這句話的意思是，找到很賺錢的公司，最好是長期都能配出現金的公司\n這樣在滾動複利時，時間拉長，效果會很可觀的\n\n(本文並沒有推薦任何股票，投資前請自行評估)","layout":0,"from":0,"aspectRatio":-1,"w":-1,"h":-1,"setId":"5d6407173286fe05f5103bd7"}],"originalLinkHint":{"en":{"text":"Orignal Link: https://www.tipga.com/e/5d629b533286fe05f50e6ed2","html":"\u003cdiv class=\"originalLinkHintWrapper tOverflow\"\u003eOrignal Link: \u003ca href=\"https://www.tipga.com/e/5d629b533286fe05f50e6ed2\" target=\"_blank\"\u003ehttps://www.tipga.com/e/5d629b533286fe05f50e6ed2\u003c/a\u003e\u003c/div\u003e"},"zh_TW":{"text":"原文連結：https://www.tipga.com/e/5d629b533286fe05f50e6ed2","html":"\u003cdiv class=\"originalLinkHintWrapper tOverflow\"\u003e原文連結：\u003ca href=\"https://www.tipga.com/e/5d629b533286fe05f50e6ed2\" 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