39歲投資配置請益 - 投資
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By Rae
at 2023-06-05T14:14
at 2023-06-05T14:14
Table of Contents
【前言】
因故手頭上多出約10M的閒置資金,目前手頭上的投資組合
(股票、房地以及私人項目標的) 正依原本規劃運作中 也符合預期的投報目標
因此一時多出來的錢 沒想清楚怎麼配置會有更佳的績效
問房版大概就是投房地 問股版大概就是ALL IN XD
但目前台股似乎趨近高點(?)而房地(新竹縣市)似乎也不低(把新板當天花?)
【簡述】
小弟目前39歲 自營商兼家中事務所打雜
目前手上一公寓(營業所)、一大樓(度假)、一別墅(自住)
另合資持有一高單價大樓(股東們的私人招待會所)
股票總持有約22M、投資2M、緊急預備金3.5M
個人無貸款 育有一子一個老婆 EB-1正在跑流程(已結清)
被動收入今年底約為3M左右 明年開始暫估1M
(2M為私人投資標的收益但明年到期出局)
目前暫估之後每年餘黜約為0.5-1M
【欲請教之疑問】
10M腦中閃過的選項是
1.分批進場股市 可能會以ETF或相對穩定的標的領取股利為主
雖說股版版友常說左手右手 但實際運行下來結果(3-4年) 本金漲、股利也配的開心
只是這個時間硬要進場似乎有點賭太大以及衝動,但投資穩定標的也許還可以?
不求價差 累積被動收入數字
2.現金買間熱區兩房保持兼當自己的小寶庫
有點追高 但好像也不算 畢竟同區在短短1-2年間 從2X看到6X/坪
沒預計用來收租 單純放著保值抗通膨?
至於買公司、買個人、買小孩名義還在斟酌
但目前現金購入傾向買個人 用到貸款的話買小孩名義
好處是有個自己的小空間 熱區還有點增值空間 省贈與稅 幫小孩增加點未來競爭力@@
3.買金條 不想買瑞士黃金 想買銀行金庫那種(但沒有購買經驗還在跟台銀、中信瞭解中)
不曉得大家會怎麼建議呢?歡迎不吝分享 多謝
※1 目前處置辦法是短期分批定存中
※2 獲利稅金、個人綜所已有適當安排 所以暫不列入擔心範圍
--
因故手頭上多出約10M的閒置資金,目前手頭上的投資組合
(股票、房地以及私人項目標的) 正依原本規劃運作中 也符合預期的投報目標
因此一時多出來的錢 沒想清楚怎麼配置會有更佳的績效
問房版大概就是投房地 問股版大概就是ALL IN XD
但目前台股似乎趨近高點(?)而房地(新竹縣市)似乎也不低(把新板當天花?)
【簡述】
小弟目前39歲 自營商兼家中事務所打雜
目前手上一公寓(營業所)、一大樓(度假)、一別墅(自住)
另合資持有一高單價大樓(股東們的私人招待會所)
股票總持有約22M、投資2M、緊急預備金3.5M
個人無貸款 育有一子一個老婆 EB-1正在跑流程(已結清)
被動收入今年底約為3M左右 明年開始暫估1M
(2M為私人投資標的收益但明年到期出局)
目前暫估之後每年餘黜約為0.5-1M
【欲請教之疑問】
10M腦中閃過的選項是
1.分批進場股市 可能會以ETF或相對穩定的標的領取股利為主
雖說股版版友常說左手右手 但實際運行下來結果(3-4年) 本金漲、股利也配的開心
只是這個時間硬要進場似乎有點賭太大以及衝動,但投資穩定標的也許還可以?
不求價差 累積被動收入數字
2.現金買間熱區兩房保持兼當自己的小寶庫
有點追高 但好像也不算 畢竟同區在短短1-2年間 從2X看到6X/坪
沒預計用來收租 單純放著保值抗通膨?
至於買公司、買個人、買小孩名義還在斟酌
但目前現金購入傾向買個人 用到貸款的話買小孩名義
好處是有個自己的小空間 熱區還有點增值空間 省贈與稅 幫小孩增加點未來競爭力@@
3.買金條 不想買瑞士黃金 想買銀行金庫那種(但沒有購買經驗還在跟台銀、中信瞭解中)
不曉得大家會怎麼建議呢?歡迎不吝分享 多謝
※1 目前處置辦法是短期分批定存中
※2 獲利稅金、個人綜所已有適當安排 所以暫不列入擔心範圍
--
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