25歲女 理財規劃請益 - 理財
By Madame
at 2022-12-06T16:58
at 2022-12-06T16:58
Table of Contents
個人資訊:
25歲、女、軟體工程師
年收入:
年薪60萬(含年終3個月)
月薪4萬5(勞健保公司付)
每月支出:
租屋-8000元
手機-600元
保險-1850元
孝親費-5000元
生活費(飲食+通勤+生活必需品)-大致抓下約15000元
在外租屋真的很貴,
但還好本身物慾也不高,
所以每個月扣除基本花費外,
還能存15000元
理財規劃:
手邊的資產只有存款40萬,
目前想先把一半的資產(20萬)投入美股,
一次allin,主攻VT、VOO,穩穩跟大盤報酬
另外每月會有1萬5的閒錢,
也會開始定期定額,
美股每月投200美金
VT與VOO平均投入
台股
每月5000存0050(跟大盤,逢低點定期投入)
4000存00918
(這支是看中它多了填息的篩選,有配息也有填息,不怕左手換右手)
想請問目前的理財規劃是否有需要改善呢?
美台股的投資比例要調整嗎?
短期目標在2年內有筆錢可以買台小轎車,
可以帶著年邁且行動不便的父母回診
或是多多帶他們出去踏青,
避免整天悶在家生出病,
長期規劃40歲能在鄉下買透天養老
還請各位高手指教
--
25歲、女、軟體工程師
年收入:
年薪60萬(含年終3個月)
月薪4萬5(勞健保公司付)
每月支出:
租屋-8000元
手機-600元
保險-1850元
孝親費-5000元
生活費(飲食+通勤+生活必需品)-大致抓下約15000元
在外租屋真的很貴,
但還好本身物慾也不高,
所以每個月扣除基本花費外,
還能存15000元
理財規劃:
手邊的資產只有存款40萬,
目前想先把一半的資產(20萬)投入美股,
一次allin,主攻VT、VOO,穩穩跟大盤報酬
另外每月會有1萬5的閒錢,
也會開始定期定額,
美股每月投200美金
VT與VOO平均投入
台股
每月5000存0050(跟大盤,逢低點定期投入)
4000存00918
(這支是看中它多了填息的篩選,有配息也有填息,不怕左手換右手)
想請問目前的理財規劃是否有需要改善呢?
美台股的投資比例要調整嗎?
短期目標在2年內有筆錢可以買台小轎車,
可以帶著年邁且行動不便的父母回診
或是多多帶他們出去踏青,
避免整天悶在家生出病,
長期規劃40歲能在鄉下買透天養老
還請各位高手指教
--
All Comments
By John
at 2022-12-06T19:33
at 2022-12-06T19:33
By Carolina Franco
at 2022-12-06T22:07
at 2022-12-06T22:07
By Annie
at 2022-12-07T00:42
at 2022-12-07T00:42
By Donna
at 2022-12-07T03:16
at 2022-12-07T03:16
By Emily
at 2022-12-07T05:51
at 2022-12-07T05:51
By Jessica
at 2022-12-07T08:25
at 2022-12-07T08:25
By Caitlin
at 2022-12-07T11:00
at 2022-12-07T11:00
By Tom
at 2022-12-07T13:35
at 2022-12-07T13:35
By Candice
at 2022-12-07T16:09
at 2022-12-07T16:09
By Margaret
at 2022-12-07T18:44
at 2022-12-07T18:44
By Anthony
at 2022-12-07T21:18
at 2022-12-07T21:18
By Ivy
at 2022-12-07T23:53
at 2022-12-07T23:53
By Sierra Rose
at 2022-12-08T02:27
at 2022-12-08T02:27
By Hamiltion
at 2022-12-08T05:02
at 2022-12-08T05:02
By Faithe
at 2022-12-08T07:36
at 2022-12-08T07:36
By Annie
at 2022-12-08T10:11
at 2022-12-08T10:11
By Audriana
at 2022-12-08T12:46
at 2022-12-08T12:46
By Zanna
at 2022-12-08T15:20
at 2022-12-08T15:20
By Regina
at 2022-12-08T17:55
at 2022-12-08T17:55
By Anthony
at 2022-12-08T20:29
at 2022-12-08T20:29
By Catherine
at 2022-12-08T23:04
at 2022-12-08T23:04
By Connor
at 2022-12-09T01:38
at 2022-12-09T01:38
By Frederica
at 2022-12-09T04:13
at 2022-12-09T04:13
By Carol
at 2022-12-09T06:48
at 2022-12-09T06:48
By Rachel
at 2022-12-09T09:22
at 2022-12-09T09:22
By Daph Bay
at 2022-12-09T11:57
at 2022-12-09T11:57
By Victoria
at 2022-12-09T14:31
at 2022-12-09T14:31
By Olive
at 2022-12-09T17:06
at 2022-12-09T17:06
By Adele
at 2022-12-09T19:40
at 2022-12-09T19:40
By Zanna
at 2022-12-09T22:15
at 2022-12-09T22:15
By Edward Lewis
at 2022-12-10T00:50
at 2022-12-10T00:50
By Megan
at 2022-12-10T03:24
at 2022-12-10T03:24
By David
at 2022-12-10T05:59
at 2022-12-10T05:59
By Anthony
at 2022-12-10T08:33
at 2022-12-10T08:33
By Hardy
at 2022-12-10T11:08
at 2022-12-10T11:08
By Ursula
at 2022-12-13T16:03
at 2022-12-13T16:03
By Suhail Hany
at 2022-12-17T22:09
at 2022-12-17T22:09
By Zora
at 2022-12-18T00:43
at 2022-12-18T00:43
By Quanna
at 2022-12-18T03:18
at 2022-12-18T03:18
By Hedy
at 2022-12-18T05:53
at 2022-12-18T05:53
By Daniel
at 2022-12-18T08:27
at 2022-12-18T08:27
By Steve
at 2022-12-18T11:02
at 2022-12-18T11:02
By Ivy
at 2022-12-18T13:36
at 2022-12-18T13:36
By Jake
at 2022-12-18T16:11
at 2022-12-18T16:11
Related Posts
26歲女保險推薦
By Ethan
at 2022-12-06T15:57
at 2022-12-06T15:57
34歲男 既有保單檢視及新保單規劃
By Kyle
at 2022-12-06T13:46
at 2022-12-06T13:46
35歲男 新保單規劃
By Edwina
at 2022-12-06T12:52
at 2022-12-06T12:52
兆豐防疫險畢業
By Dora
at 2022-12-06T12:07
at 2022-12-06T12:07
43歲男 既有保單檢視及新保單規劃
By Tristan Cohan
at 2022-12-06T12:02
at 2022-12-06T12:02