35歲男理財規劃 - 理財

By Agatha
at 2021-11-18T22:20
at 2021-11-18T22:20
Table of Contents
各位神人大大好,最近剛開始研究理財(之前都無腦把錢留在薪轉戶或跟風買股票)
收入:月薪實領約43K
年終約3個月
每年調薪約3~5K至65K
支出:
交通1000(機車)
娛樂+其餘消費10000
孝親費10000
其他可動用
可動用約22000
【資產狀況】
股票約150萬
薪轉戶約90萬
【投資計畫】
申請公教人員貼心信貸80萬 共約300萬
其他當作緊急預備金
爬文結果 想分配如下:
台股50%(0050佔50%、金融股佔15%、主動投資佔35%)
美股35%(使用FT 投資 VTI80%、主動投資20%)
虛擬幣15%(FTX活存穩定幣)
每月
1.10000還信貸
2.10000按前述比例投台股、虛擬幣
每年發年終
1.直接一次換匯當年度美股佔比再分別依比例投入(約13萬台幣,省電匯錢)
2.剩餘的前述比例分批投入投台股
【意外計畫】
FTX不提供高額活存把資金轉回台股、美股各50%
【主要問題】
1.規劃的分配比例有沒有問題,有甚麼需要注意的地方
2.想請大大推薦長投的金融股標的
3.買股票幾乎都在當韭菜,想問主動投資比例是不是太高
先謝謝各位神人~
--
收入:月薪實領約43K
年終約3個月
每年調薪約3~5K至65K
支出:
交通1000(機車)
娛樂+其餘消費10000
孝親費10000
其他可動用
可動用約22000
【資產狀況】
股票約150萬
薪轉戶約90萬
【投資計畫】
申請公教人員貼心信貸80萬 共約300萬
其他當作緊急預備金
爬文結果 想分配如下:
台股50%(0050佔50%、金融股佔15%、主動投資佔35%)
美股35%(使用FT 投資 VTI80%、主動投資20%)
虛擬幣15%(FTX活存穩定幣)
每月
1.10000還信貸
2.10000按前述比例投台股、虛擬幣
每年發年終
1.直接一次換匯當年度美股佔比再分別依比例投入(約13萬台幣,省電匯錢)
2.剩餘的前述比例分批投入投台股
【意外計畫】
FTX不提供高額活存把資金轉回台股、美股各50%
【主要問題】
1.規劃的分配比例有沒有問題,有甚麼需要注意的地方
2.想請大大推薦長投的金融股標的
3.買股票幾乎都在當韭菜,想問主動投資比例是不是太高
先謝謝各位神人~
--
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