37男 理財建議 - 理財

By Christine
at 2022-10-03T21:24
at 2022-10-03T21:24
Table of Contents
【目前狀況】
37男
【收支與資產】
非受薪
無保險、無房貸、無車貸
無打算出售的自宅一棟約800萬,不考慮也不想買房
活存約5500萬 儲蓄險約100萬(已放n年)、美金40萬(28購入,現值約40萬*31.5)
無本股票約100萬(賺錢賣掉換回本金,剩下就多賺的,漲跌較無感)
月均開銷8~11k
【請益內容】
這一年多來試水溫投資幾乎持平,只有股票小賺錢QQ
即使深知理財重要,
但也意識到本業真的會讓我極度忙碌到無暇理財
理財知識趨近於0 因此還是厚臉皮前來請教 囧>
有兩個問題想請教版友
1.投資規劃分配
我發現依照我的能力無論投資什麼結局幾乎都是損益兩平,
(如果去年初開始存股,至今大概就是蒸發20%~30%左右,只能慶幸自己沒時間研究QQ)
但也因此認識自已沒有想像中的"大膽",
理財投資偏向保守,能穩定領利息(每月有15萬up即可),本金不要太過浮動就好
這樣我應該是
a.以美金定存配息為標的
b.還是趁股市低點時入場0056,00878等etf較佳?
c.其他投資建議(但個人頗排斥房地產,生不帶來死不帶去炒房害生計)
目前想法是手上持有1000現金,
其他部分做投資規劃 如美金8:2etf
(其實蠻想要all in美金定存總比我放著好QQ)
2.購車
近期打算購車,特斯拉model y 240,原本想說直接現金結清,
但越想越不對,好像可以靠目前手上的資產做合理規劃分期繳款即可
目前想法是用企業租賃,利息2.6%,送乙式(約6萬),利息跟保險剛好打平
分5年繳租金,剛好可以用美金定存的利息來繳掉,五年後車子可賣掉賺錢或繼續開
我這樣邏輯正確嗎?
又或者是有其他的購買方式建議?
以上orz 感謝大家
--
37男
【收支與資產】
非受薪
無保險、無房貸、無車貸
無打算出售的自宅一棟約800萬,不考慮也不想買房
活存約5500萬 儲蓄險約100萬(已放n年)、美金40萬(28購入,現值約40萬*31.5)
無本股票約100萬(賺錢賣掉換回本金,剩下就多賺的,漲跌較無感)
月均開銷8~11k
【請益內容】
這一年多來試水溫投資幾乎持平,只有股票小賺錢QQ
即使深知理財重要,
但也意識到本業真的會讓我極度忙碌到無暇理財
理財知識趨近於0 因此還是厚臉皮前來請教 囧>
有兩個問題想請教版友
1.投資規劃分配
我發現依照我的能力無論投資什麼結局幾乎都是損益兩平,
(如果去年初開始存股,至今大概就是蒸發20%~30%左右,只能慶幸自己沒時間研究QQ)
但也因此認識自已沒有想像中的"大膽",
理財投資偏向保守,能穩定領利息(每月有15萬up即可),本金不要太過浮動就好
這樣我應該是
a.以美金定存配息為標的
b.還是趁股市低點時入場0056,00878等etf較佳?
c.其他投資建議(但個人頗排斥房地產,生不帶來死不帶去炒房害生計)
目前想法是手上持有1000現金,
其他部分做投資規劃 如美金8:2etf
(其實蠻想要all in美金定存總比我放著好QQ)
2.購車
近期打算購車,特斯拉model y 240,原本想說直接現金結清,
但越想越不對,好像可以靠目前手上的資產做合理規劃分期繳款即可
目前想法是用企業租賃,利息2.6%,送乙式(約6萬),利息跟保險剛好打平
分5年繳租金,剛好可以用美金定存的利息來繳掉,五年後車子可賣掉賺錢或繼續開
我這樣邏輯正確嗎?
又或者是有其他的購買方式建議?
以上orz 感謝大家
--
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