三個月內有一筆資金的應用方式 - 理財

By Edith
at 2022-07-06T20:21
at 2022-07-06T20:21
Table of Contents
理財新手,很淺的問題請見諒
近期拿到一筆額外的現金,計劃拿來汰換消費性電子產品
預計今年蘋果發表後才會購買,並預計配合商家的無息分期來攤提
想請益的是,要怎麼規劃為佳?
現金:8萬
汰換預算:5萬
預計消費時間:2022/10
1. 就放著現金,等上市購買後每個月攤還or一次付清
2. 先還學貸 -
目前利率是1.275%,剛好餘八萬左右可以直接還清,省下的利息總額約為$900元
購買時就使用無息分期處理
3. 趁現在逢低買進0050 or 006208 之類的股票…?
我了解這麼小的金額,這麼短的時間,只要不要拿去投進水裡都不會產生決定性的差異
主要是想了解,類似這樣的狀況有什麼作法可以選擇或考慮
先感謝各位回答。
--
近期拿到一筆額外的現金,計劃拿來汰換消費性電子產品
預計今年蘋果發表後才會購買,並預計配合商家的無息分期來攤提
想請益的是,要怎麼規劃為佳?
現金:8萬
汰換預算:5萬
預計消費時間:2022/10
1. 就放著現金,等上市購買後每個月攤還or一次付清
2. 先還學貸 -
目前利率是1.275%,剛好餘八萬左右可以直接還清,省下的利息總額約為$900元
購買時就使用無息分期處理
3. 趁現在逢低買進0050 or 006208 之類的股票…?
我了解這麼小的金額,這麼短的時間,只要不要拿去投進水裡都不會產生決定性的差異
主要是想了解,類似這樣的狀況有什麼作法可以選擇或考慮
先感謝各位回答。
--
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