34歲男請益 - 理財
By Liam
at 2022-08-19T02:36
at 2022-08-19T02:36
Table of Contents
因過往協助家裡繳相關債款而自身無太多資產留存
在近兩年好不容易工作有所成就達到以下收入
而負債加總也努力到剩約81w(扣除自身信用卡)
34起步相較板上各先進真的好晚…
理財知識觀念也不夠 截至目前才努力在規劃
想請教先進與達人幾題或另外指教~
Q1:月收結餘的部分計劃平分成三等份存(現金-大戶/美股-複委託VTI/台股-006208),請問這方式好嗎?
Q2. 負債的部分親戚60w有談好每年Bonus下來撥一部份慢慢還,貸款有必要先清掉嗎?還是慢慢繳留現金去投資呢?
Q3:Bonus的部分每年約65w~1M,計劃是50%還債(親戚/信貸/車貸)50%存放投資,各一半比例適合嗎?調整先把負債比降低,還是調整手邊多留現金去投資呢?
有些觀念和知識還在努力補強中…希望請益各位理財達人協助調整與指教~~~
補充:負資產負債還有一筆130w車貸
34歲男
職業:工程師
月收:71k~81k
年收:1.5M~2M
資產:45w現金
月支出:如下
https://i.imgur.com/HlVIg9V.jpg
負債:如下
https://i.imgur.com/HCUA4TV.jpg
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Sent from JPTT on my iPhone
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