38歲女資產規劃 - 理財
By Hedwig
at 2023-01-23T10:22
at 2023-01-23T10:22
Table of Contents
去年的2月在板上請教了大家,受到了大家很多的幫忙
後來斷斷續續還是有來看看板上文章,深覺大家都是人生勝利組,和小資的我差距甚大,不是一年總開銷,就是一年收入幾乎是我總資產!!
深覺怎麼反而是資產多的人較有理財的意識呢?還是相對才擁有了網上分享的勇氣
想說也許也有潛水的網友和我相似,在此分享執行近一年的成果
本來還想要分批投入,沒想到自己是個積極的行動派,幾乎以2-3月內all in的速度投入VWRA,然後迎來了全球指數的跌跌不休...
最高承受了-20%的虧損,當時是有點茫然的,後來找到了同溫層群組,才撐了下去,也持續小額的買入,當然目前還是負的,但就讓時間來證明吧
疫情年,沒辦法出國玩,2022年年收入差異不大,但儲蓄高於預期,總資產從360萬來到了392萬.
年底剛剛把到期的美金定存解約,有被之前的VWRA急跌嚇到,預計分10個月分批投入
執行進度如下:
佔比
台幣定存 282,263 7.20%
年利率1.4%,打算留著當緊急備用金
金融股 279,609 7.13%
早期買的金融股,還是捨不得賣
006208 303,643 7.75%
目標買到股利不扣到補充保費上限,股利拿來抵稅
VWRA 2,398,182 61.18%
指數投資,這是退休金
美金現金 398,926 10.18%
2023年分批投入VWRA
台幣現金 257,377 6.57%
10萬會投入006208,剩下留著,身上有點錢,遇事不慌
總資產 3,920,000
網友都是互不認識的,有些人特酸,有些人特甜特暖
感謝推薦我一年投資五分鐘和人生不難Podcast的大家,對我來說簡單好懂易入門
當然特別感謝2位作者的無私分享和理財館長line群同溫層,讓我撐過-20%的損益
每個人的建議都是個人的成功經驗分享,也許不適用自己,但心意都很感謝
最近看了半工作半退休的微FIRE理財計畫,書裡面說不是要你過得很拮据,而是要謹慎評估購買需要的和最想要的東西,同時讓自己開心儲蓄,理財計畫才持續執行下去.
今年生活中發生了很多事情,期許自己除了繼續執行規劃,也花更多時間好好珍惜身邊
家人朋友,存到錢也照顧好自己.
新的一年祝大家新年快樂,心想事成,身體健康,還有願望的話就自己許吧~~
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All Comments
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