42歲男的家庭理財規劃 - 理財
By Sierra Rose
at 2023-04-24T21:14
at 2023-04-24T21:14
Table of Contents
男42歲媒體業,妻45歲公務員,小孩11歲,9歲
家庭年收210萬,之後頂多每年微幅增加1-2萬,預計到頂最多230萬
房產:1棟嘉義市區11年透天現值約1600萬元,1間嘉義預售大樓990萬含車2+1房
房貸:1600萬透天貸款550萬20年,990萬大樓貸款790萬30年,合計1340萬,約2.2%
寬限期每月2.5萬,預計3年後每月房貸約6.5萬,一年約78萬
動產:
80萬家庭備用金
270萬現金
股市ETF 0050+00878 合計30萬(目前打平)
安聯高收益成長基金40萬(已停扣,目前小虧2萬)
鋒裕新興市場債券基金15萬(已停扣,目前小虧2萬)
國泰幸福專案無手續費,富達全球入息基金30萬、貝萊德環球資產配置基金合20萬
(需連3年定期定額,剩1年,目前賺3萬)
各類儲蓄險保單700萬(包含美元160萬保證利息3.5%),其中已到期350萬可解約
全數繳完到期大概還有6年,到期後共1000萬,因為有些是早期買的,有些是晚
期,早期滿期後利率快4%,晚期的大約2.25%,綜合起來差不多在3.2%。
目前的規劃是,80萬家庭備用金不動,大多平常定存,隨時可用
已投入的ETF和基金照原樣不動,儲蓄險保單暫時先不動,畢竟保證獲益
剩餘的270萬元,想分10個月定期投入,1/3改買VT ETF、1/3買00713、1/3買美債00751b
大樓可能看小孩3年後高中就學狀況,若不需用到會出租,附近月租行情約
2.5萬到3萬不等
因為老婆比較保守,請教版友依照目前的狀況,這樣的作法還有沒有需要調整的?
譬如說多一點美元資產避險?或是還有建議的投資方式?
整理建議
1.拉高家庭預備金
2.00751b可改BND
3.00713改006208
4.將低利的儲蓄險解約投入
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All Comments
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at 2023-04-29T15:42
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