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每個退休種子,幫您種出美好人生
增值型退休商品:ibrAin
ibrAin
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ibrAin是什麼?

小額1千元就能擁有自動化投資顧問

以往只有高資產客戶才能享有理專服務,永豐ibrAin有別於一般理專,透過數位平台打破了時間與地點的限制,為所有的小資族提供理財服務。替您量身打造投資計畫,24小時監控投資表現。
不管種什麼樣的樹,都會依照演算法建議,自動調整施肥方法(股債配置)
關於ibrAin的

3大特點

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01
1,000元就能投資全世界
嚴選股債配置標的,布局全球市場ETF,小額嘗試低負擔
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02
申請、贖回、再平衡皆0手續費
費用不再成為投資理財的阻礙。手續費、諮詢費不必擔心。單一費用只收帳管費1%(年)
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03
個人專屬投資組合投資把關穩定投
依投資目標訂製適合你的投資組合。定期監控投資表現,提供個人最佳調整建議
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ibrAin投資模擬


Q 我的年齡落在...
Q 我的目標退休金額
資金投入方式
首次投入 每月投入
1 $705,000 $0
2 $395,000 $3,000
3 $292,000 $4,000
4 $189,000 $5,000
5 $85,000 $6,000
6 $0 $7,000
首次投入 每月投入
1 $1,410,000 $0
2 $1,100,000 $3,000
3 $894,000 $5,000
4 $687,000 $7,000
5 $481,000 $9,000
6 $274,000 $11,000
7 $68,000 $13,000
8 $0 $13,716
首次投入 每月投入
1 $2,115,000 $0
2 $1,805,000 $3,000
3 $1,495,000 $6,000
4 $1,186,000 $9,000
5 $876,000 $12,000
6 $566,000 $15,000
7 $256,000 $18,000
8 $0 $21,000
首次投入 每月投入
1 $2,820,000 $0
2 $2,510,000 $3,000
3 $2,097,000 $7,000
4 $1,684,000 $11,000
5 $1,271,000 $15,000
6 $858,000 $19,000
7 $445,000 $23,000
8 $32,000 $27,000
9 $0 $27,432
首次投入 每月投入
1 $1,115,000 $0
2 $821,000 $3,000
3 $723,000 $4,000
4 $625,000 $5,000
5 $527,000 $6,000
6 $429,000 $7,000
7 $331,000 $8,000
8 $233,000 $9,000
9 $135,000 $10,000
10 $0 $11,432
首次投入 每月投入
1 $2,230,000 $0
2 $1,936,000 $3,000
3 $1,642,000 $6,000
4 $1,348,000 $9,000
5 $1,054,000 $12,000
6 $760,000 $15,000
7 $466,000 $18,000
8 $172,000 $21,000
9 $0 $22,863
首次投入 每月投入
1 $3,345,000 $0
2 $3,051,000 $3,000
3 $2,561,000 $8,000
4 $2,071,000 $13,000
5 $1,581,000 $18,000
6 $1,092,000 $23,000
7 $602,000 $28,000
8 $112,000 $33,000
9 $0 $34,295
首次投入 每月投入
1 $4,460,000 $0
2 $4,166,000 $3,000
3 $3,480,000 $10,000
4 $2,794,000 $17,000
5 $2,109,000 $24,000
6 $,1423,000 $31,000
7 $737,000 $38,000
8 $51,000 $45,000
9 $0 $45,727
首次投入 每月投入
1 $1,755,000 $0
2 $1,469,000 $3,000
3 $1,184,000 $6,000
4 $898,000 $9,000
5 $613,000 $12,000
6 $327,000 $15,000
7 $42,000 $18,000
8 $0 $18,514
首次投入 每月投入
1 $3,510,000 $0
2 $3,224,000 $3,000
3 $2,653,000 $9,000
4 $2,082,000 $15,000
5 $1,511,000 $21,000
6 $940,000 $27,000
7 $369,000 $33,000
8 $0 $37,029
首次投入 每月投入
1 $5,265,000 $0
2 $4,979,000 $3,000
3 $4,123,000 $12,000
4 $3,266,000 $21,000
5 $2,410,000 $30,000
6 $1,553,000 $39,000
7 $697,000 $48,000
8 $0 $55,543
首次投入 每月投入
1 $7,020,000 $0
2 $6,734,000 $3,000
3 $5,592,000 $15,000
4 $4,450,000 $27,000
5 $3,308,000 $39,000
6 $2,166,000 $51,000
7 $1,024,000 $63,000
8 $0 $74,058
首次投入 每月投入
1 $2,680,000 $0
2 $2,437,000 $3,000
3 $2,031,000 $8,000
4 $1,626,000 $13,000
5 $1,221,000 $18,000
6 $815,000 $23,000
7 $410,000 $28,000
8 $4,000 $33,000
9 $0 $33,170
首次投入 每月投入
1 $5,360,000 $0
2 $5,117,000 $3,000
3 $4,225,000 $14,000
4 $3,333,000 $25,000
5 $2,441,000 $36,000
6 $1,549,000 $47,000
7 $657,000 $58,000
8 $0 $66,339
首次投入 每月投入
1 $8,040,000 $0
2 $7,797,000 $3,000
3 $6,499,000 $19,000
4 $5,202,000 $35,000
5 $3,905,000 $51,000
6 $2,608,000 $67,000
7 $1,310,000 $83,000
8 $0 $99,509
首次投入 每月投入
1 $10,720,000 $0
2 $10,477,000 $3,000
3 $8,693,000 $25,000
4 $6,909,000 $47,000
5 $5,125,000 $69,000
6 $3,342,000 $91,000
7 $1,558,000 $113,000
8 $0 $132,679
下圖以首次投入
$0
元,每月投入
$7,000
元為例
預期到期資產
616
累積投入本金
210
預期獲利
406
預期到期資產
717
累積投入本金
210
預期獲利
501
預期到期資產
956
累積投入本金
210
預期獲利
746
  • 投資組合依據投資期間與目標達成率進行績效模擬,並假設資產報酬分配屬常態分配。以投資金額、資產報酬率與波動度(標準差)和資產間相關係數進行蒙地卡羅模擬,推估投資組合的可能價值。 惟本模擬之結果僅供參考,無法保證準確性,未來實際狀況可能與模擬數值出現落差。灰線表示投資人投入本金走勢,紅線表示投資組合的市值走勢。
  • 投資組合的資產展望有三種模擬情境:分別為較佳表現(投資組合的表現有20%機率優於此數值)、一般表現(投資組合的表現有50%機率優於此數值)和較差表現(投資組合的表現有20%機率劣於此數值)。