信貸投資 - 投資

By Victoria
at 2022-10-04T20:36
at 2022-10-04T20:36
Table of Contents
※ 引述《CFRRFC (14CFR)》之銘言:
: 請益最近信貸借了100萬,7年期,一段式利率1.55%,想分批買入ETF 00878,0056及0050
: 和台積,先買1/3,跌在買1/3的操作方法,往下買!
: 每月還本息大約13000,薪水可cover
: 就算未來升息也能不至影響到生活品質
: 想問這樣操作有什麼風險嗎?
: 是想台股殖利率5%以上贏過這信貸利率
: 是不是穩賺的?
各位先進好,
想藉原 PO的條件跟大家再請益一下,若是借貸 150萬 七年期,而
目前一段式利率大概已經調漲成 1.68%
因此每月還本息大約為 18,940
如下圖
https://imgur.com/kvWp55F
若是歐印在 0056 目前可以買 57張,殖利率 8%,股利大約 12萬(119,700)
平均每月有一萬(9975)
等於說這七年就是用類融資約半價的金額先存好 0056 ,七年後就每月多一萬零用金
(當然前提要假設接下來每年殖利率都維持8%)
這樣的方式建議嗎?是否有其他更好的建議?
感謝
--
: 請益最近信貸借了100萬,7年期,一段式利率1.55%,想分批買入ETF 00878,0056及0050
: 和台積,先買1/3,跌在買1/3的操作方法,往下買!
: 每月還本息大約13000,薪水可cover
: 就算未來升息也能不至影響到生活品質
: 想問這樣操作有什麼風險嗎?
: 是想台股殖利率5%以上贏過這信貸利率
: 是不是穩賺的?
各位先進好,
想藉原 PO的條件跟大家再請益一下,若是借貸 150萬 七年期,而
目前一段式利率大概已經調漲成 1.68%
因此每月還本息大約為 18,940
如下圖
https://imgur.com/kvWp55F
若是歐印在 0056 目前可以買 57張,殖利率 8%,股利大約 12萬(119,700)
平均每月有一萬(9975)
等於說這七年就是用類融資約半價的金額先存好 0056 ,七年後就每月多一萬零用金
(當然前提要假設接下來每年殖利率都維持8%)
這樣的方式建議嗎?是否有其他更好的建議?
感謝
--
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