35歲男理財規劃 - 理財
By Charlotte
at 2022-04-06T22:27
at 2022-04-06T22:27
Table of Contents
大家好,貴板首po,有敘述得不清楚的地方請海涵
簡單介紹背景,
男35歲/未婚/無房無車,有穩定交往女友,預計1~2年內結婚並在新北買房
個人目前年收入稅前約120萬,女友收入也加進來的話大約200萬
存款約200萬,另有約100萬是股票現在的市值(0050與VT占絕大部分)
目前每月固定投資是一萬台幣丟0050、200鎂丟AOA ETF
這樣的話每月收入扣掉這些投資與生活費/房租等,大約會剩下4~5萬的閒置資金
因有考量1~2年內買房
預算抓1500萬的話,頭期+裝潢至少要準備400~500萬現金
若跟女友一人負擔一半,那一人大概負責250萬
現在猶豫的點就是目前的存款200萬以及每月閒置的4~5萬資金是否有更好的利用方式?
擺著1~2年被通膨吃掉感覺浪費
但丟股市又怕即將進入的升息循環會讓我1~2年後要買房時錢卻被套在股市
不知道有沒有什麼折衷的方法?
以上,謝謝大家
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