500万円を20億円にする方法です。
eMAXIS Slim米国株式(S&P500)に5年間毎年100万円ずつ積み立てて、放っておくと65年後に以下の通り増えます。ただし、税金を2割取られますので、現状の税制では８掛けが目安でしょう。
- 年率リターン6％で2億円
- 年率リターン8％で6億円
- 年率リターン10％で20億円
このうち、年率リターン10％は、S&P500の過去100年間の平均ですから、極端な数字ではありません。
また、65年間は確かに長期間ですが、子供が生まれた時に5年間積み立ててあげれば、65歳でリタイヤする時には可能な期間です。
また、１８歳の時に、１～２千万円に増えていますから、大学進学費用ができるかもしれません。
| 年齢 | 積み立て金 | 資産（年率6％） | 資産（年率8％） | 資産（年率10％） |
| 0 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| 1 | 1,000,000 | 2,060,000 | 2,080,000 | 2,100,000 |
| 2 | 1,000,000 | 3,183,600 | 3,246,400 | 3,310,000 |
| 3 | 1,000,000 | 4,374,616 | 4,506,112 | 4,641,000 |
| 4 | 1,000,000 | 5,637,093 | 5,866,601 | 6,105,100 |
| 5 | 5,975,319 | 6,335,929 | 6,715,610 | |
| 6 | 6,333,838 | 6,842,803 | 7,387,171 | |
| 7 | 6,713,868 | 7,390,228 | 8,125,888 | |
| 8 | 7,116,700 | 7,981,446 | 8,938,477 | |
| 9 | 7,543,702 | 8,619,962 | 9,832,325 | |
| 10 | 7,996,324 | 9,309,558 | 10,815,557 | |
| 11 | 8,476,104 | 10,054,323 | 11,897,113 | |
| 12 | 8,984,670 | 10,858,669 | 13,086,824 | |
| 13 | 9,523,750 | 11,727,362 | 14,395,506 | |
| 14 | 10,095,175 | 12,665,551 | 15,835,057 | |
| 15 | 10,700,885 | 13,678,796 | 17,418,563 | |
| 16 | 11,342,939 | 14,773,099 | 19,160,419 | |
| 17 | 12,023,515 | 15,954,947 | 21,076,461 | |
| 18 | 12,744,926 | 17,231,343 | 23,184,107 | |
| 19 | 13,509,621 | 18,609,850 | 25,502,518 | |
| 20 | 14,320,199 | 20,098,638 | 28,052,770 | |
| 21 | 15,179,411 | 21,706,529 | 30,858,047 | |
| 22 | 16,090,175 | 23,443,052 | 33,943,851 | |
| 23 | 17,055,586 | 25,318,496 | 37,338,236 | |
| 24 | 18,078,921 | 27,343,976 | 41,072,060 | |
| 25 | 19,163,656 | 29,531,494 | 45,179,266 | |
| 26 | 20,313,475 | 31,894,013 | 49,697,193 | |
| 27 | 21,532,284 | 34,445,534 | 54,666,912 | |
| 28 | 22,824,221 | 37,201,177 | 60,133,603 | |
| 29 | 24,193,674 | 40,177,271 | 66,146,963 | |
| 30 | 25,645,295 | 43,391,453 | 72,761,660 | |
| 31 | 27,184,012 | 46,862,769 | 80,037,826 | |
| 32 | 28,815,053 | 50,611,791 | 88,041,608 | |
| 33 | 30,543,956 | 54,660,734 | 96,845,769 | |
| 34 | 32,376,594 | 59,033,593 | 106,530,346 | |
| 35 | 34,319,189 | 63,756,280 | 117,183,380 | |
| 36 | 36,378,341 | 68,856,782 | 128,901,718 | |
| 37 | 38,561,041 | 74,365,325 | 141,791,890 | |
| 38 | 40,874,704 | 80,314,551 | 155,971,079 | |
| 39 | 43,327,186 | 86,739,715 | 171,568,187 | |
| 40 | 45,926,817 | 93,678,892 | 188,725,006 | |
| 41 | 48,682,426 | 101,173,204 | 207,597,507 | |
| 42 | 51,603,371 | 109,267,060 | 228,357,257 | |
| 43 | 54,699,574 | 118,008,425 | 251,192,983 | |
| 44 | 57,981,548 | 127,449,099 | 276,312,281 | |
| 45 | 61,460,441 | 137,645,027 | 303,943,509 | |
| 46 | 65,148,068 | 148,656,629 | 334,337,860 | |
| 47 | 69,056,952 | 160,549,159 | 367,771,646 | |
| 48 | 73,200,369 | 173,393,092 | 404,548,811 | |
| 49 | 77,592,391 | 187,264,539 | 445,003,692 | |
| 50 | 82,247,934 | 202,245,702 | 489,504,061 | |
| 51 | 87,182,810 | 218,425,358 | 538,454,467 | |
| 52 | 92,413,779 | 235,899,387 | 592,299,914 | |
| 53 | 97,958,606 | 254,771,338 | 651,529,905 | |
| 54 | 103,836,122 | 275,153,045 | 716,682,896 | |
| 55 | 110,066,289 | 297,165,289 | 788,351,186 | |
| 56 | 116,670,267 | 320,938,512 | 867,186,304 | |
| 57 | 123,670,483 | 346,613,593 | 953,904,934 | |
| 58 | 131,090,712 | 374,342,680 | 1,049,295,428 | |
| 59 | 138,956,154 | 404,290,094 | 1,154,224,971 | |
| 60 | 147,293,524 | 436,633,302 | 1,269,647,468 | |
| 61 | 156,131,135 | 471,563,966 | 1,396,612,215 | |
| 62 | 165,499,003 | 509,289,083 | 1,536,273,436 | |
| 63 | 175,428,943 | 550,032,210 | 1,689,900,780 | |
| 64 | 185,954,680 | 594,034,787 | 1,858,890,858 | |
| 65 | 197,111,961 | 641,557,570 | 2,044,779,943 |