28歲女理財規劃 - 理財
By Delia
at 2021-02-16T15:23
at 2021-02-16T15:23
Table of Contents
年齡:28歲女
職業:醫療(年資約3.5年)
居住地:桃園市桃園區(和父母同住)
收入:月收4-6萬(年收約80萬)
目前未婚沒對象、沒車沒貸款
【總資產】
台幣活存65萬
定存40萬
外幣活存 5000台幣左右
定存 1萬澳
台股20萬
美股 1萬鎂
股票多為ETF系列(0050,006208,VOO,QQQ)約佔7成
【月支出】
生活費5000(含伙食大眾交通、通訊299,Netflix390)
孝親費5000
住宿費1000(宿舍)
投資/儲蓄 500鎂(之後可能改200股006208等存滿能換1萬鎂在賣掉)
100股0050
年保費2萬(含意外、重大疾病、癌症、醫療、壽險等)
勞健保和所得稅我就沒認真算了都直接從薪水扣大概每月3000-4000
【未來】
去年買了桃園自住預售屋+2車位,明年第3,4季交屋
1450W+100~150w(裝潢和家電)
每月管理費+清潔費約3500(交屋時要預繳6個月)
本來預計要貸到八成,後來爸媽說可以無息借我400w(之後設定抵押權)
若以1.4%單一利率貸款800w用30年本息均攤來看 每月需繳27300元
預設水電瓦斯網路費總雜支為每月2500
之後每月支出不含投資儲蓄會變成
5000+5000+3500+27300+2500=43500
假設暫時不額外買車(家中一台車是爸媽的)
將停車位出租1位應該能收3000元
未來薪水在不更換跑道下感覺成長有限,頂多每年增加月薪1000~2000
這樣要在每月固定存錢就有點難度,大概僅能年存12-15萬
會建議做怎樣的理財規劃或者需要將貸款成數升高讓手頭資金寬裕些分批放入市場投資
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