29歲女生理財規劃 - 理財
By Emma
at 2023-02-20T22:57
at 2023-02-20T22:57
Table of Contents
CFP前輩大家好
想請教各位前輩對於我目前的配置有甚麼需要調整的地方
背景概況
已婚,目前居住在桃園高鐵區,跟先生往返台北上班
房產掛先生名下所以房貸由他負擔,我幫忙負擔生活費用以及交通油錢
目前年薪160
以下資產概況
股票資產 成本 目前市值
美股複委託QQQ 196,277 188,130
台股-新光金 357,305 264,600
台股-00662 184,797 193,200
現金 427,295
總資產 1,073,225
每月固定支出
車貸 13,000
孝親 11,000
電信 599
捐款 1,100
各種訂閱 965
家用支出
(參考年度平均) 18,000
總固定支出 44,664
每月薪資 120,000
個人可支配所得 75,336
個人支出 15,000
可儲蓄金額 60,336
年終 180,000
一年可以存 874032
扣除稅金與保險,保守估計每年可以存80萬
目前的投資計畫是每個月6萬都投00662,身上的42萬現金也會在今年投入,留20萬當作緊
急預備金
但最近了解到生命週期投資法這個策略,想將6萬拆成兩部分,一部分投00670L一部分繼
續投入00662
又或許太過集中風險太高,是否應該分散一些到台股0050 或 006208 ?
目標是希望可以在35歲前總資產可以到達600萬
屆時會挪300萬來買房給家母養老用
感謝各位大大的指教
--
想請教各位前輩對於我目前的配置有甚麼需要調整的地方
背景概況
已婚,目前居住在桃園高鐵區,跟先生往返台北上班
房產掛先生名下所以房貸由他負擔,我幫忙負擔生活費用以及交通油錢
目前年薪160
以下資產概況
股票資產 成本 目前市值
美股複委託QQQ 196,277 188,130
台股-新光金 357,305 264,600
台股-00662 184,797 193,200
現金 427,295
總資產 1,073,225
每月固定支出
車貸 13,000
孝親 11,000
電信 599
捐款 1,100
各種訂閱 965
家用支出
(參考年度平均) 18,000
總固定支出 44,664
每月薪資 120,000
個人可支配所得 75,336
個人支出 15,000
可儲蓄金額 60,336
年終 180,000
一年可以存 874032
扣除稅金與保險,保守估計每年可以存80萬
目前的投資計畫是每個月6萬都投00662,身上的42萬現金也會在今年投入,留20萬當作緊
急預備金
但最近了解到生命週期投資法這個策略,想將6萬拆成兩部分,一部分投00670L一部分繼
續投入00662
又或許太過集中風險太高,是否應該分散一些到台股0050 或 006208 ?
目標是希望可以在35歲前總資產可以到達600萬
屆時會挪300萬來買房給家母養老用
感謝各位大大的指教
--
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