38女理財規劃 - 理財
By Edwina
at 2023-01-26T12:02
at 2023-01-26T12:02
Table of Contents
大家新年好!想請教自己目前財務規劃方向, 38歲女已婚,公教,有一個小孩,和先生一同背房貸
[現有資產]
1. 活存 15萬
2. 台股 剩餘48萬(-10%)
以下比重
2330(40%);006208(21%)
聯發科(9%);其餘個股加總30%
3. 美股券商 剩餘1.5萬鎂
以下虧損
VTI(-11%)、VXUS(-12%)BND(-13%)
UPST(-90%)
4. 英股 VWAR 3.84萬鎂 (-9%)
[現有負債]
房貸 684萬(1.88%)
公教貸款 43萬(1.995%)
收入:月實收6萬*12+年終考績15萬,約87萬
支出:生活費+房貸+貸款+保險+保母費等,約4.7萬/月
趁著有空的時間,檢視自己的財務狀況,之前跟風買了UPST是最後悔的,從前年底開始投資,都是負的狀態,後來辦公教貸款50萬投VWRA,一直跌之後,都沒有再去看了
(我還是比較適合懶人投指數ETF)
請教的問題如下
1. 因為升息,是否應該要先還公教貸款呢?
2. 想說近期也有點放縱自己花費,幾乎都快成了月光,想先存一筆30萬的緊急預備金,之後再來投指數ETF,那如果一樣是投VWRA或是006208 ,比重應該要如何分配比較合適?還是說轉投V T就好呢?
3. 台股除了2330和00608 ,其他的是不是應該要就處理掉(?)雖然幾乎都是負的(像是聯發科、鴻海、華碩),都是零股
謝謝各位指教
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Sent from JPTT on my iPhone
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All Comments
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at 2023-01-24T16:08
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