65歲 2450萬 該如何選股? - 股票
By Jacob
at 2019-12-31T15:54
at 2019-12-31T15:54
Table of Contents
我媽媽爸爸即將要退休了
打算把台北房子賣掉 加上退休金 一共有2450萬
為什麼要把房子賣掉呢 因為我媽媽有潔癖
房子比較大 老人家體力不好
打掃不方便 想住小一點的房子
勞退我媽一個月領三萬 我爸一個月兩萬
然後租新北房子給別人 一個月一萬四
所以一個月固定收入6萬4千
目前是這樣打算 拿2000萬投資存股票
這裡的股票是屬於金融股 漲幅不大 很穩定
殖利率4%以上(很多金融股都超過)
然後選本益比小於15%
董監持股15%以上 資本額300億以上去篩選
所以這樣一年有80萬的股利
而且會不斷地定期檢視自己的股票是否維持
殖利率4%以上 沒有的話就換股
加上勞退 房租 這樣一年有156萬
那多的450萬一半活存 一半定存
房子我媽的姐姐還有一間小的
一個月三萬租 她說如果我媽要租 優先給我媽
都是姐妹 比較放心 而且我媽媽有潔癖
房子租給她 我姨媽比較放心
這樣一年會花在房租約36萬
還有120萬可花 加上活存還有兩百萬
我是這樣幫我媽媽規劃的
大家覺得呢?
我原本去CFP版請益
大家都說不要選金融股
但我看很多專欄 或者新聞
大部分的人都是慢慢存金融股
存了十幾年這樣
而0050又在高點
若是要買進 可能選擇0056 類似ETF型的
另外很多人可能會問
為什麼不把租人的那間自己來住就好
因為租人那間在新北市
我媽媽只想住台北市
所以不考慮去住新北
然後我媽媽也說股票 和房子之後會轉移給我
我在這裡順便問一下
是利用每年贈與稅免額220萬
這樣每年慢慢過戶給我嗎? 還是?
謝謝大家
--
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