30歲女,理財規劃請益 - 理財
By Kristin
at 2021-07-21T14:13
at 2021-07-21T14:13
Table of Contents
現在30多歲單身,沒有結婚計畫
上班通勤以捷運/uber為主,跟家人合資買房,還在繳房貸中
目前理財狀況,主要是有一個台銀存款戶,拿來支出房貸和保險費
另一個就是每月的薪轉戶在永豐,水電瓦斯、管理費、房貸等,就從這個來繳
我在台北民營公司上班,年收70萬(含加班費),固定開銷如下
感恩爸媽幫忙出了頭期款,目前房貸--->16000/月
壽險(含醫療險等)年繳平均下來--->9600/月
生活費(含交通) --->12000/月 (會浮動,基本上三餐在外,假日會回老家,就在家吃)
娛樂費、治裝費--->3000左右/月,有時候不會花到
手機費--->510/月
水電瓦斯有線電視--->1500/月
薪水扣掉這些支出,大概還會剩下16000左右
郵局尚有備用金20萬
現在是希望能有一些被動收入
目前是先請教身邊有在理財的同事,建議我先從小額投資試試看
大致想法是這樣:
1.原本想找短期大概6年的儲蓄險,但利率不高,同事也不推,怕我如果臨時需要錢解約
反而不划算
2.同事有推薦台股定存0050、0056,還有豐存股,是說門檻比較低100快就可以買,可能
會先從存款戶拿出來一個月5千到1萬試試看
感謝大家閱讀,不知道有沒有其他的建議,或覺得怎麼樣規劃比較適當?
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