32歲資產規劃 - 理財
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By Jacob
at 2021-08-08T22:11
at 2021-08-08T22:11
Table of Contents
各位前輩大家好,第一次在資產規劃版發文
因近期繼承一筆金額
年紀:32
小孩:1(有計劃再+1)
家庭年收:300W
家庭儲蓄率:約60%
房屋:有(預計2年內再買一房總額約2500~3000,原房屋為祖厝不打算賣出)
預備金:一年生活費
閒置資金:25W美+1000W台
規劃
1. 10W美-南山佳美鑽躉繳,主要是親戚人情關係也當保本險(3年還本預計也不會領出)
2. 15W美-複委託分批3W/年 方式投入VWRA
這部分有個問題回測是all in效果最好
但還是有點擔心風險
(尚未投入金額可能以外幣定存為主)
3. 1000W由於尚有購入不動產計畫
台幣的部分沒什麼頭緒,只想得到分散定存..
4. 台股0050定期定額2W/月 (已執行1年)
5. 基金1W/月(已執行多年)
目標夫妻提早至60歲退休
還請版上前輩不吝指導 謝謝 :)
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