28歲男理財規劃 - 理財
By Skylar DavisLinda
at 2023-05-08T07:04
at 2023-05-08T07:04
Table of Contents
收入:最近10-25比較多
行業: 3C、菸酒、家電,等自營商1年半
軍職(今年剛退)
家庭:家裡無車無房,父母無存款,皆退休
淨資產:扣除貸款約剩600萬資金
貸款:信貸3筆 100(2.99%)、80(1.6%)、80 (2.1%),創貸還在談
固定開支:
孝親2萬(親戚贊助3萬共5萬)
部分工時員工2萬
吃飯約1.5萬
奢侈品等額外開銷平均2萬(3C、出遊)
固定投資:0050:2萬 VOO:3萬
持股部分約現值80萬
目前工作上的資金貨款週轉穩定在3-600萬
手上還有約200-300萬資金
是否要加碼定額定期ETF
或是考慮一兩年內置產。
打算在35歲以前退休,不打算結婚。
另外預計兩三年內會搬回台北祖宅住或是置產台北小房,但少說也要一兩千萬真的很難。
未來有也有機會分到一間(共三間,親戚無
子輩)
現在苗栗是長租房5千/月
自從以前房子被法拍後已經租了快15年了。
--
行業: 3C、菸酒、家電,等自營商1年半
軍職(今年剛退)
家庭:家裡無車無房,父母無存款,皆退休
淨資產:扣除貸款約剩600萬資金
貸款:信貸3筆 100(2.99%)、80(1.6%)、80 (2.1%),創貸還在談
固定開支:
孝親2萬(親戚贊助3萬共5萬)
部分工時員工2萬
吃飯約1.5萬
奢侈品等額外開銷平均2萬(3C、出遊)
固定投資:0050:2萬 VOO:3萬
持股部分約現值80萬
目前工作上的資金貨款週轉穩定在3-600萬
手上還有約200-300萬資金
是否要加碼定額定期ETF
或是考慮一兩年內置產。
打算在35歲以前退休,不打算結婚。
另外預計兩三年內會搬回台北祖宅住或是置產台北小房,但少說也要一兩千萬真的很難。
未來有也有機會分到一間(共三間,親戚無
子輩)
現在苗栗是長租房5千/月
自從以前房子被法拍後已經租了快15年了。
--
All Comments
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