24歲女財務規劃 - 投資
By Zenobia
at 2022-03-28T00:13
at 2022-03-28T00:13
Table of Contents
【背景】
24歲科技業,工作經驗兩年,月薪42K,獎金加一加年薪可以到1000k
與父母同住吃住家裡日常開銷低,每個月最少存35K,以未來無另一半規劃為前提
【現有資產】
總資產2000K,分佈如下:
-1300K 台股,主要短線賺價差
-600k現金
-100k美股ETF(去年底開始每月豐存股定期定額500USD投資VTI)
【投資目標】
-希望可以在30歲前在新北買房,以兩房1500W計算頭期款抓兩成300萬
-退休後每個月有筆被動收入可以生活
【請益】
1. 若短期不會有重大支出,是否建議將部份現金改為定存
1. 短線投資比例過高,想要將部份比例調整成長期投資,請問長期投資建議將VTI定期定
額金額調高還是改投資金融股或是其他ETF
2. 承1、2,資產比例建議如何分配
3. 其他寶貴建議
--
24歲科技業,工作經驗兩年,月薪42K,獎金加一加年薪可以到1000k
與父母同住吃住家裡日常開銷低,每個月最少存35K,以未來無另一半規劃為前提
【現有資產】
總資產2000K,分佈如下:
-1300K 台股,主要短線賺價差
-600k現金
-100k美股ETF(去年底開始每月豐存股定期定額500USD投資VTI)
【投資目標】
-希望可以在30歲前在新北買房,以兩房1500W計算頭期款抓兩成300萬
-退休後每個月有筆被動收入可以生活
【請益】
1. 若短期不會有重大支出,是否建議將部份現金改為定存
1. 短線投資比例過高,想要將部份比例調整成長期投資,請問長期投資建議將VTI定期定
額金額調高還是改投資金融股或是其他ETF
2. 承1、2,資產比例建議如何分配
3. 其他寶貴建議
--
All Comments
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