34歲女 理財規劃請益 - 理財
By Valerie
at 2022-09-04T23:24
at 2022-09-04T23:24
Table of Contents
各位前輩好,有看到許多高手及A大的文章,直到看到A大的零存款的理財新手,才下定決心要來好好檢視自己的理財規劃,懇請各位前輩給予指教
[背景]
性別:女
年齡:34歲
職業:科技業一般內勤
目前無結婚生子的打算,去年覺得再不買房可能老的時候沒地方住,所以把從出社會開始存的錢All in買房,剛出社會時只有領2.5W,媽媽逼我每個月給他2W(當時住家裡吃家裡),說要幫我存頭期款,逼著我存錢,現在真的很感謝她
目前資產:
有一間約560W房子出租,自己則是在新北租房
活存:約25W
股票:約43W(第一金3張、台泥1張、和大1.5張、台積電零股、聯發科零股)目前只有第一金是紅的XD
[收入]
月收入:4W +兼職1-2W
房租收入:1.6W
[支出]
每月固定支出約:4.3W
居住
房租:6000
房貸:6800
平均粗估水電瓦斯:400
日常開銷
餐費:12000
交通:1000
電話費:400
日常用品:2000
貓咪費用:2000
娛樂費:3000
每年固定支出
每年所得稅:5000(420/月)
每年保險費:36000(3000/月)
每年機車燃料稅、保險、保養:3600(200/月)
每年管理費:13000(1100/月)
[負債]
房貸目前繳了約一年,還剩約440W左右
分期型房貸/利率1.77%
8月份開始,每個月開始定期定額
美股:每月6日扣200美金買VT
台股:
每月13日2500元 買006208
每月16日4900元 買0050
每月29日2500元 買006208
不知道定期定額的金額會不會太少了?或是應該要加碼美股?如果有什麼建議的話,也再請各位大大給予指教,未來目標是希望被動收入可以達到3W,之後可以回鄉下找一份簡單的工作,很崇尚離島生活,人生沒有太大的志向,但總覺得應該趁年輕的時候好好努力賺錢,看到版上每個大大都年薪破百,覺得自己好弱...有時候會有點沮喪,好像對自己太好了...
如果有什麼建議或是要鞭策我的都歡迎提出來!感謝您花時間讀到這裡~希望版上的每一位都平安順心、家人也都平安健康
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Sent from JPTT on my iPhone
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