VT/VWRA選擇障礙 - 投資
By Ursula
at 2021-03-17T21:47
at 2021-03-17T21:47
Table of Contents
投資金額夠大
VWRD會有優勢
但一年要投資多少算夠大?
降低頻率流失的時間機會成本?
如果是以原po的規劃
數字為大略估算, 單位是美金
每個月投資666到VT or VWRD
一年成本是12 or 240
英股優勢一年0.32%, 一年差距666*12*0.32%/2 =13
(最後面/2是平均投資時間是半年)
請問一年差距228, 英股優勢在第幾年能回本?
如果每個月投資666到VT or 每年投資7992到VWRD
一年成本是12 or 20
英股優勢一年0.32%, 一年差距666*12*0.32%/2 =13
VT因為提早投資, 假設平均一年獲利4%, 一年差距7992*4%/2 = 200
請問一年差距195, 英股優勢在第幾年能打平該年度成本?
VT轉換成VWRD的成本
永豐0.2%, 匯差優惠3分
富邦0.15%, 匯差優惠3分
匯差0.13%
以滿足富邦低消13333, 一次轉換=0.2%+0.13%+0.15% =0.48% =64美金
英股優勢13333*0.0032=42, 大約1.5年後回本
若改以一年轉換一次
英股優勢8000*0.0032=25, 大約2.5年回本
因為數學不夠好XD
個人猜測
原po最佳解應該是
用永豐每0.5-1個月買VT
大約一年轉換1-2次變成VWRD
但因為這樣處理很麻煩
閒置資金的時間成本, 是不固定的, 比較難估算
一年差距就大約200美金, 也還好
投資金額再大一點
就會直接VWRD
以上計算
若有錯誤或假設數值差太多
請推文指正
※ 引述《blake0307 (Shia)》之銘言:
: 目前我是每月2萬的資金運用
: 然後看了版友的分配,之後會改成70%~80%海外股剩餘台股
--
VWRD會有優勢
但一年要投資多少算夠大?
降低頻率流失的時間機會成本?
如果是以原po的規劃
數字為大略估算, 單位是美金
每個月投資666到VT or VWRD
一年成本是12 or 240
英股優勢一年0.32%, 一年差距666*12*0.32%/2 =13
(最後面/2是平均投資時間是半年)
請問一年差距228, 英股優勢在第幾年能回本?
如果每個月投資666到VT or 每年投資7992到VWRD
一年成本是12 or 20
英股優勢一年0.32%, 一年差距666*12*0.32%/2 =13
VT因為提早投資, 假設平均一年獲利4%, 一年差距7992*4%/2 = 200
請問一年差距195, 英股優勢在第幾年能打平該年度成本?
VT轉換成VWRD的成本
永豐0.2%, 匯差優惠3分
富邦0.15%, 匯差優惠3分
匯差0.13%
以滿足富邦低消13333, 一次轉換=0.2%+0.13%+0.15% =0.48% =64美金
英股優勢13333*0.0032=42, 大約1.5年後回本
若改以一年轉換一次
英股優勢8000*0.0032=25, 大約2.5年回本
因為數學不夠好XD
個人猜測
原po最佳解應該是
用永豐每0.5-1個月買VT
大約一年轉換1-2次變成VWRD
但因為這樣處理很麻煩
閒置資金的時間成本, 是不固定的, 比較難估算
一年差距就大約200美金, 也還好
投資金額再大一點
就會直接VWRD
以上計算
若有錯誤或假設數值差太多
請推文指正
※ 引述《blake0307 (Shia)》之銘言:
: 目前我是每月2萬的資金運用
: 然後看了版友的分配,之後會改成70%~80%海外股剩餘台股
--
Tags:
投資
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