34歲男資本配置 - ETF

By Mason
at 2023-04-06T19:32
at 2023-04-06T19:32
Table of Contents
各位大大
32歲男單身
年薪資收入約80W/年
租金收入約86W/年(但家母為房產持有人)
目前約有2000萬現金配置在ETF (長期持有,不作價差)
1400萬配置在00713高股息(總報酬較低,但聽說有銀行可認列股利所得
所以才會配置所謂高股息,600萬配置在正2,因本身可以承受很大的回撤波動)
目前想法是房地產在台灣有很大優勢所以想要配置
目前方案
1 等600萬正2 漲到一定程度賣掉拿去無貸款換房(賭正2報酬率>房價漲幅)
再把買到的房抵押借錢出來回買正2
2 現在立刻從00713抽出1000萬出來買房 (若總價高可背房貸)
若有繳房貸,三五年後再轉增貸出來買正2
3 拿家母房產原屋融資約2800萬歐印正2 (現金流足以cover本+利),只是這要溝通
還是有更好的選項嗎?
謝謝
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