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专家建议10岁开始存养老钱最划算：理想很完美，现实可行吗？ episode artwork

EPISODE · Aug 7, 2025 · 5 MIN

专家建议10岁开始存养老钱最划算：理想很完美，现实可行吗？

from 道听姐说|带你吐槽热点梗，紧跟潮流不迷路

今日，上海交通大学上海高级金融学院教授阎志鹏在《金融新启航·养老金融透视镜》栏目上表示，养老规划的核心是“时间杠杆”。阎志鹏用三胞胎案例说明：假设年化收益率为8%，10岁开始每年存1万，连续6年，65岁时账户余额344万；16岁开始每年存1万，连续9年，最终为293万；25岁开始每年存1万，连续40年，最终仅280万。“越早启动，复利效应越惊人，20多岁应投资较大比例的权益类资产，借助年化收益积累财富。”对此，你怎么看？

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专家建议10岁开始存养老钱最划算：理想很完美，现实可行吗？

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