25歲理財規劃 - 理財
By Lily
at 2022-03-12T18:52
at 2022-03-12T18:52
Table of Contents
做了一點功課,想請大家給予理財意見 謝謝
性別:男
年齡:25
工作年資:剛畢業不到一年,大概五個月
居住:新竹 竹北,租屋
職業:工程師
家庭成員:單身,單親家裡有母親和妹妹住阿嬤家
[收入]
月薪實領 78k,還沒領過一整年的,大概年薪120萬吧
[支出]
經過五個月統計,支出每月總額平均 36k,所以直接設定 36k,以下為細項:
1. 房租:9500
2. 車貸(家庭共用):幫忙出 5000
3. 阿公阿嬤孝親費: 各 1000, 共 2000
4. 電話費:688
5. 電費:450~650 (一度4.5元)
6. 餐費:預算 7000
7. 交通:1300,回新北的高鐵錢
8. 購物快樂金: 5000,犒賞自己的錢
9. 捐贈: 2000,從小被社會幫助,回饋給社會,年終再撥 5% 給常幫助我的宮廟團體
10. 長輩旅遊補助金:2000
11. 保險:依照母親買的,大概每年 4500 ,目前還是媽媽繳,之後會接手
[未來支出,估計兩年後執行]
*房貸: 每月 10k ,繳十年
這邊是阿公阿嬤的房貸,房子在新北,是很老舊的公寓。我們家會接手後來的房貸,名字會名字會過戶給我 (個人比較想要和妹妹共同持有)。當作我們家以後的避風港。雖然我在新竹工作,但以後媽媽和妹妹可以有個住處。
支出結餘:每個月可以存 40k ~ 45k
[個人資產]
資產從 0 開始,嚴格來說那個房子應該算(?
目前財產共 270k
活存:
1. 緊急備用金 210k,六個月花費,分別放在 Line Bank, New New Bank, Bankee 等高利?
2. 其餘放 iLeo
[理財目標]
以每個月可存 40k 為例
股票:現金 = 7:3
美股:台股 = 7:3
1. 台股:豐存股 006208 每月定期定額 8k
2. 美股: 每個月 20k 台幣買美金,每半年從國泰世華銀行入金 TD 買 VTI 60% + VXUS 40%
3. 儲蓄:12k,可用來當作旅遊、房屋頭期款(如果有要買房的話) ,不知道這邊儲蓄會不會太多,之後會提 10 萬來主動選台股個股來學習,選 0051 成分股或 006208 沒有的產業做中長期持有,不過會打破上述比例就是了
年終再以相同比例再投入股票,每年執行再平衡
[備註]
不知不覺打了這麼多內容,感謝看完的人。目前還很年輕,結婚等等的事還沒有規劃,目前是希望我 45 歲能半退休,賣賣小吃快樂生活。
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Sent from JPTT on my iPhone
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