信貸歐印市值型ETF可行嗎? - 股票QA

David avatar
By David
at 2023-07-11T11:55

Table of Contents

最近一直收到銀行的信貸電話
反正就好奇自己可以拿到多少利率

而且也很認真跟業務說1~2%我才想申請
但業務說1-2%不可能，3%起跳又沒到很想申請
目前是談到3.5%，45萬下來

這筆錢短期內我就不打算動了，丟進市值型ETF蓋牌
0050單筆投入年化報酬也有9.9%，定期定額也有5.5%
這樣放7年應該也有個40、50%以上嗎?

另外也有人推歐印00692或是00923?
看起來這兩檔在多頭的時候會比0050還要好
因為電子權值股比較多，ESG和低碳的選股策略也把一些停滯成長的傳產大牛踢掉
有人說會偏離原型、類股也會輪動，但長期來看還是電子股佔優吧，不論美股台股?
個人對於傳產未來不是很看好，少部分的偏離風險我還擔的起


https://i.imgur.com/3RhrFoz.png


近一季報酬率到目前為止6~7%

請問信貸歐硬大盤ETF有人有經驗嗎?



--
Tags: 股票

All Comments

Kumar avatar
By Kumar
at 2023-07-09T15:38
3.5％太高了吧
Jake avatar
By Jake
at 2023-07-12T19:00
每個月現金流過的去就可以
Kama avatar
By Kama
at 2023-07-09T15:38
推
Regina avatar
By Regina
at 2023-07-12T19:00
不要全歐印吧？分散一點買其他的東西
Damian avatar
By Damian
at 2023-07-09T15:38
我信貸利率不到2%，給你參考
Ursula avatar
By Ursula
at 2023-07-12T19:00
3.5%太高 風險很大...
Necoo avatar
By Necoo
at 2023-07-09T15:38
我是談到50萬 2.57%...公務員年資太短
Sarah avatar
By Sarah
at 2023-07-12T19:00
可行但3.5%太高 至少要2%左右
Hedwig avatar
By Hedwig
at 2023-07-09T15:38
最近剛申請80萬 2.3趴
Skylar Davis avatar
By Skylar Davis
at 2023-07-12T19:00
3.5％建議不要 太高了
Hardy avatar
By Hardy
at 2023-07-09T15:38
剛申請2% 230W
Steve avatar
By Steve
at 2023-07-12T19:00
拉長3～5年 勝率很高
不過時機也很重要
Tristan Cohan avatar
By Tristan Cohan
at 2023-07-09T15:38
7年我覺得有點短，建議是蓋牌20年再掀牌勝率較高
Sierra Rose avatar
By Sierra Rose
at 2023-07-12T19:00
什麼垃圾3.5%直接pass
Olga avatar
By Olga
at 2023-07-09T15:38
可以啦哪次不行
Hedda avatar
By Hedda
at 2023-07-12T19:00
3.5%太高了,2.5%以下才有的賺
現在丟0050有年化9%,不確定ㄟ
Kristin avatar
By Kristin
at 2023-07-09T15:38
很讚的想法
Margaret avatar
By Margaret
at 2023-07-12T19:00
台股不會跌 問就是all in
Damian avatar
By Damian
at 2023-07-09T15:38
多問幾家銀行就有更低的了，至少也要2.5%以下
Hamiltion avatar
By Hamiltion
at 2023-07-12T19:00
去找其他業務啦 一定還有比3%低的
Victoria avatar
By Victoria
at 2023-07-09T15:38
正2
Zora avatar
By Zora
at 2023-07-12T19:00
2.06 150
Dora avatar
By Dora
at 2023-07-09T15:38
可以啊 可能會贏 可能會輸
Irma avatar
By Irma
at 2023-07-12T19:00
太高 沒利可圖
Kumar avatar
By Kumar
at 2023-07-09T15:38
VTI QQQ一起買啊
Dorothy avatar
By Dorothy
at 2023-07-12T19:00
問就是買！
Brianna avatar
By Brianna
at 2023-07-09T15:38
財富自由看這波囉
Eartha avatar
By Eartha
at 2023-07-12T19:00
可以啊 你受的了波動就好
反正信貸應該只管你能不能付出利息吧
Gilbert avatar
By Gilbert
at 2023-07-09T15:38
0050年化9%,是股價翻一倍出來的,再翻一倍240,大盤?
Tracy avatar
By Tracy
at 2023-07-12T19:00
老蘇：多頭為什麼賺不到錢 因為你會怕 嚇甩磨
Skylar DavisLinda avatar
By Skylar DavisLinda
at 2023-07-09T15:38
3.5%乾脆我借給你
Isabella avatar
By Isabella
at 2023-07-12T19:00
3.5%做生命週期投資不算太高 如果考慮歐印還是可以
你的問題在只有45萬額度 這才是沒差多少的主因
Quintina avatar
By Quintina
at 2023-07-09T15:38
可以 快歐印
Thomas avatar
By Thomas
at 2023-07-12T19:00
信貸文變多了
Michael avatar
By Michael
at 2023-07-09T15:38
5月底有一個版友po文說他歐印tqqq 1000萬，那時是3
1塊現在快40了，賺了大概200萬
Thomas avatar
By Thomas
at 2023-07-12T19:00
只給3.5%還只有45萬 本業也該拼一下
Isla avatar
By Isla
at 2023-07-09T15:38
糟了，糕….
Isla avatar
By Isla
at 2023-07-12T19:00
可以 怕會賺太多
Candice avatar
By Candice
at 2023-07-09T15:38
看來大家都信貸出來al了
Xanthe avatar
By Xanthe
at 2023-07-12T19:00
3.5%代表你不適合用信貸
Queena avatar
By Queena
at 2023-07-09T15:38
我也有買00923 手上目前漲最多的
Ethan avatar
By Ethan
at 2023-07-12T19:00
去Loan板發文 會有很多很棒的業務
Yedda avatar
By Yedda
at 2023-07-09T15:38
其實去澳門押百家樂 5秒就翻倍了
Margaret avatar
By Margaret
at 2023-07-12T19:00
2%內不是三師公務員百大不用想了 建議換網銀應該可
以2.5
Ula avatar
By Ula
at 2023-07-09T15:38
槓桿加到滿，財富自由就在明日
Ina avatar
By Ina
at 2023-07-12T19:00
信貸2% 沒有抵押品，去哪借的，介紹給我
感謝
Wallis avatar
By Wallis
at 2023-07-09T15:38
3.5%太爛了吧，這樣還想貸款投資，風險超高
Zanna avatar
By Zanna
at 2023-07-12T19:00
信貸能貸幾%看的是個人信用
銀行三天兩頭要來借我前三個月免息的信貸 好煩
Liam avatar
By Liam
at 2023-07-09T15:38
Linebank 應該沒這麼高
Linda avatar
By Linda
at 2023-07-12T19:00
3.5也太爛 2%再考慮
Dorothy avatar
By Dorothy
at 2023-07-09T15:38
我低於2%，但因為是大額500萬，我只能說本業差的才
談不到好利率 利率跟銀行無關 跟你本人財力有關
Rebecca avatar
By Rebecca
at 2023-07-12T19:00
扛的住回檔就可以
Jacky avatar
By Jacky
at 2023-07-09T15:38
我的醫師朋友應該能拿到2%
Lucy avatar
By Lucy
at 2023-07-12T19:00
信貸能借到500萬已經算有錢人了吧
Poppy avatar
By Poppy
at 2023-07-09T15:38
我上個月辦120w 2.5%
Hamiltion avatar
By Hamiltion
at 2023-07-12T19:00
資本主義有錢的更有錢也是沒辦法的事
Bennie avatar
By Bennie
at 2023-07-09T15:38
你國安基金進場的時候不借 現在萬七借？
Audriana avatar
By Audriana
at 2023-07-12T19:00
今年2、3月時，信貸300萬，利率現在2%左右
Joe avatar
By Joe
at 2023-07-09T15:38
永豐 150萬 2.02% 樂天120萬 1.88% 然後你歐印3231
Edward Lewis avatar
By Edward Lewis
at 2023-07-12T19:00
多頭的時候強 弱的時候就下去了啦
Kelly avatar
By Kelly
at 2023-07-09T15:38
3.5% 利率，不考慮，借錢買票資金成本放第一
Joseph avatar
By Joseph
at 2023-07-12T19:00
繳得起，借信貸丟水裡也行啊
Edith avatar
By Edith
at 2023-07-09T15:38
高點才在信貸...
Queena avatar
By Queena
at 2023-07-12T19:00
我去年三月九月各借一次都1.98 今年五月借變2.28
Joseph avatar
By Joseph
at 2023-07-09T15:38
版友 2%，可以站內信...
Bethany avatar
By Bethany
at 2023-07-12T19:00
請問一下 LINE BANK 最近是多少%
Damian avatar
By Damian
at 2023-07-09T15:38
我他媽的借金城武 給我4.2% 乾
Quintina avatar
By Quintina
at 2023-07-12T19:00
我也有買00923
Emily avatar
By Emily
at 2023-07-09T15:38
2%應該要公教才有
Kama avatar
By Kama
at 2023-07-12T19:00
長期還是會漲贏50吧?
Edwina avatar
By Edwina
at 2023-07-09T15:38
2.1%210萬 放0056 去年到現在目前+25% 給你參考
Tracy avatar
By Tracy
at 2023-07-12T19:00
少年靈靈扒欺扒仔整天只想歐印
Odelette avatar
By Odelette
at 2023-07-09T15:38
2.06 260 超過都不要考慮
Harry avatar
By Harry
at 2023-07-12T19:00
2.06 400
Annie avatar
By Annie
at 2023-07-09T15:38
可以 但3.5%你要再想想
Hedda avatar
By Hedda
at 2023-07-12T19:00
萬二萬三不歐印...
Aaliyah avatar
By Aaliyah
at 2023-07-09T15:38
1.88 500萬給你參考
Erin avatar
By Erin
at 2023-07-12T19:00
被動投資重視不擇時，你信貸就是承受額外的擇時風險
，不推
Rebecca avatar
By Rebecca
at 2023-07-09T15:38
3.5你叫業務去吃大便比較快
Elizabeth avatar
By Elizabeth
at 2023-07-12T19:00
3.5太高了
Ethan avatar
By Ethan
at 2023-07-09T15:38
你先想想 你從2001放到2008 放不放的住 在考慮歐印
Hedwig avatar
By Hedwig
at 2023-07-12T19:00
含配息現金流要扛得住十年以上不會吃緊再考慮 千萬
不要被逼斷頭
Bethany avatar
By Bethany
at 2023-07-09T15:38
不然就是慢慢買近 設定 每跌多少買一些
Wallis avatar
By Wallis
at 2023-07-12T19:00
我以為現在都是搞質押再投入欸？因為最近被拉進去
一個質押討論群，有點被洗腦想拿庫存去質押XD 不過
想想目前穩定領息+做波段小獲利算滿意了，知足
Eartha avatar
By Eartha
at 2023-07-09T15:38
請問樓上大大質押利率多少
Ida avatar
By Ida
at 2023-07-12T19:00
3.5%…先不要
Olga avatar
By Olga
at 2023-07-09T15:38
3.5也太高 換一家
Skylar DavisLinda avatar
By Skylar DavisLinda
at 2023-07-12T19:00
00923真的不錯 推
Suhail Hany avatar
By Suhail Hany
at 2023-07-09T15:38
信貸文出現了
尼各位多多注意點
Ivy avatar
By Ivy
at 2023-07-12T19:00
3% 45萬 我就直接掛電話 浪費我時間= =
我現在用2.14 146 被升斑馬了
Kristin avatar
By Kristin
at 2023-07-09T15:38
看到歐印 就知道來鬧的 正常人才不做這種事情
Iris avatar
By Iris
at 2023-07-12T19:00
我2.88% 84w 給你參考
Ivy avatar
By Ivy
at 2023-07-09T15:38
條件這麼差你還是專注本業吧 風險承擔能力夠嗎？
Charlotte avatar
By Charlotte
at 2023-07-12T19:00
我6.88% 30萬，最近接到10萬10%的電話，我是不是遇
到詐騙集團...
Andy avatar
By Andy
at 2023-07-09T15:38
10萬10% 是遇到共潘阿的吧
Edwina avatar
By Edwina
at 2023-07-12T19:00
https://i.imgur.com/KGSivVj.jpeg
Cara avatar
By Cara
at 2023-07-09T15:38
只要付的出每期還款 2% 3% 長期來看沒什麼差
Blanche avatar
By Blanche
at 2023-07-12T19:00
所以我秒掛電話 哈哈
Kumar avatar
By Kumar
at 2023-07-09T15:38
生命週期投資法就是這樣啊，建議你去看書再買
Kumar avatar
By Kumar
at 2023-07-12T19:00
完了 信貸文一出
Erin avatar
By Erin
at 2023-07-09T15:38
我就本業不好 linebank 給我開3.5 QQ……
Gilbert avatar
By Gilbert
at 2023-07-12T19:00
買正二吧。原型太慢了
Charlotte avatar
By Charlotte
at 2023-07-09T15:38
這三檔信貸都OK 00923四月到現在不錯
Delia avatar
By Delia
at 2023-07-12T19:00
2%再說
Carolina Franco avatar
By Carolina Franco
at 2023-07-09T15:38
永豐證券 拿正二質押 利率2%
Hamiltion avatar
By Hamiltion
at 2023-07-12T19:00
更正是2.5% 其他0050 成分股 2%
Kristin avatar
By Kristin
at 2023-07-09T15:38
問就是歐印
Carolina Franco avatar
By Carolina Franco
at 2023-07-12T19:00
永豐給的好像不錯？
Rosalind avatar
By Rosalind
at 2023-07-09T15:38
年化報酬最好不要抓太滿 因為是借錢去做
Madame avatar
By Madame
at 2023-07-12T19:00
問這沒用 只會聽到一堆低能智障說他2%的智障推文
Blanche avatar
By Blanche
at 2023-07-09T15:38
真正重要的是1.月付還得出來 2.真的拿去買市值ETF
Sandy avatar
By Sandy
at 2023-07-12T19:00
不要到時佑拿去買怪東西賠光光
Irma avatar
By Irma
at 2023-07-09T15:38
可以，上看20000
Candice avatar
By Candice
at 2023-07-12T19:00
信貸能2%以下再來這樣搞
Victoria avatar
By Victoria
at 2023-07-09T15:38
你只要每個月還得出來 加真的發毒誓不買其他東西
Belly avatar
By Belly
at 2023-07-12T19:00
我之前也是辦3.5% 我覺得小錢你可以拿來做練習
2%是房貸/增貸吧
Delia avatar
By Delia
at 2023-07-09T15:38
每個月差1000利息沒差多少
Jacky avatar
By Jacky
at 2023-07-12T19:00
正常行業正常現金流 至少都能2開頭吧
Daniel avatar
By Daniel
at 2023-07-09T15:38
通常都是拿到一大筆錢衝飆股然後大賠
Genevieve avatar
By Genevieve
at 2023-07-12T19:00
跟買房一樣 重點是那筆錢保住了 不會被你花掉賠掉
Rachel avatar
By Rachel
at 2023-07-09T15:38
要記得每個月都要還錢，我就是沒有算到每個月還信
貸的壓力，結果手忙腳亂的計畫都被打亂
Zanna avatar
By Zanna
at 2023-07-12T19:00
信號出現了 快陶啊
Liam avatar
By Liam
at 2023-07-09T15:38
無限轉貸大法 還有人不會用嗎QQ
Adele avatar
By Adele
at 2023-07-12T19:00
看好8月之後低碳有議題可以炒
Necoo avatar
By Necoo
at 2023-07-09T15:38
都要開槓桿買市值型ETF了，為啥不用期貨?
Ina avatar
By Ina
at 2023-07-12T19:00
2.06%以下再說
Suhail Hany avatar
By Suhail Hany
at 2023-07-09T15:38
1字頭再說吧
George avatar
By George
at 2023-07-12T19:00
會問這種問題的人通常都不能
Ina avatar
By Ina
at 2023-07-09T15:38
大漲一天這種文開始出現了 丸子
Edward Lewis avatar
By Edward Lewis
at 2023-07-12T19:00
4
Enid avatar
By Enid
at 2023-07-09T15:38
每次看到這種借款投資都覺得現在大盤位階肯定很高
Enid avatar
By Enid
at 2023-07-12T19:00
3.5%也太高 = =
Dora avatar
By Dora
at 2023-07-09T15:38
我在2019年就這樣幹嚕,1.8%
Carol avatar
By Carol
at 2023-07-12T19:00
笑死韭菜
Audriana avatar
By Audriana
at 2023-07-09T15:38
韮
Una avatar
By Una
at 2023-07-12T19:00
cc
John avatar
By John
at 2023-07-09T15:38
3.5好盤
Kelly avatar
By Kelly
at 2023-07-12T19:00
3.5% ….. 業務有抽吧？！也太高
Robert avatar
By Robert
at 2023-07-09T15:38
反正00923有跟到AI股 這波有賺到
David avatar
By David
at 2023-07-12T19:00
2023年下半年一段式超過2.5%都沒有貸款的價值
Gary avatar
By Gary
at 2023-07-09T15:38
當然一般平均利率是5% 還是要看職業有沒有加分
Hazel avatar
By Hazel
at 2023-07-12T19:00
問就是All in
Mia avatar
By Mia
at 2023-07-09T15:38
https://i.imgur.com/B8bsqut.jpg
Quanna avatar
By Quanna
at 2023-07-12T19:00
去年剛好大盤最低點附近貸了一筆 效果不錯
Rae avatar
By Rae
at 2023-07-09T15:38
還有1.93的我真是太爽了
Damian avatar
By Damian
at 2023-07-12T19:00
1.9% 非公教...不想借太多還會一直被強迫推銷
George avatar
By George
at 2023-07-09T15:38
可以，記得買0050股期，現股是感受不到威力的
Catherine avatar
By Catherine
at 2023-07-12T19:00
我上市前百大權值股公司 去年3.9月各一次都還有1.98
今年5月貸剩2.28 剩因為我4月還完5月馬上借嗎QQ
Kumar avatar
By Kumar
at 2023-07-09T15:38
1.81 600
Catherine avatar
By Catherine
at 2023-07-12T19:00
3.5 45的意思就是叫你滾去乖乖打工賺錢喇
Skylar Davis avatar
By Skylar Davis
at 2023-07-09T15:38
小小虎就這樣做阿 賺爛==
Sandy avatar
By Sandy
at 2023-07-12T19:00
00713不好嗎?
Barb Cronin avatar
By Barb Cronin
at 2023-07-09T15:38
3.5%太高 沒那個價值
Valerie avatar
By Valerie
at 2023-07-12T19:00
行，都行
Skylar DavisLinda avatar
By Skylar DavisLinda
at 2023-07-09T15:38
辦到3.6%是怎麼回事
Necoo avatar
By Necoo
at 2023-07-12T19:00
55太少了
45更正
Gilbert avatar
By Gilbert
at 2023-07-09T15:38
都要ALLIN了 只借45萬？
Ursula avatar
By Ursula
at 2023-07-12T19:00
3.5%…盤啊
Jacky avatar
By Jacky
at 2023-07-09T15:38
現金流hold得住，就沒什麼問題
Jack avatar
By Jack
at 2023-07-12T19:00
五百大企業不是都兩趴以下嗎
Megan avatar
By Megan
at 2023-07-09T15:38
信貸沒辦法借到跟房貸一樣利率 不如不要借
Carol avatar
By Carol
at 2023-07-12T19:00
1.88 % 可分享嗎？
Franklin avatar
By Franklin
at 2023-07-09T15:38
行
Audriana avatar
By Audriana
at 2023-07-12T19:00
升息後大概都2.2上下
Frederica avatar
By Frederica
at 2023-07-09T15:38
當初國泰質借2% 疫情變1.79% 現在都升到2.8%了 哪
裡有更低的～
Mason avatar
By Mason
at 2023-07-12T19:00
目前收到的offer大概都在2%，3.5%太高了
Andrew avatar
By Andrew
at 2023-07-09T15:38
3.5笑死
Steve avatar
By Steve
at 2023-07-12T19:00
之前接到中信打來開6%直接被我數落一番
後來他就一陣請示主管後變成2.5了ㄏ
Caroline avatar
By Caroline
at 2023-07-09T15:38
但是最大方的還是line bank 1.68，可惜升息後破2
Yedda avatar
By Yedda
at 2023-07-12T19:00
我都談1.8%再all in！
Eden avatar
By Eden
at 2023-07-09T15:38
太慢了吧 雖然多頭格局不變
Megan avatar
By Megan
at 2023-07-12T19:00
500萬 不到2%。
Olga avatar
By Olga
at 2023-07-09T15:38
120萬就低於2%囉：） 自己要加油
Kelly avatar
By Kelly
at 2023-07-12T19:00
3.5%要怎麼贏?
Zanna avatar
By Zanna
at 2023-07-09T15:38
推126樓
Irma avatar
By Irma
at 2023-07-12T19:00
50萬3.5%太高 賺不了多少錢
Carol avatar
By Carol
at 2023-07-09T15:38
3.5太高了
Yuri avatar
By Yuri
at 2023-07-12T19:00
不是都1.86-2.06%嗎？
Brianna avatar
By Brianna
at 2023-07-09T15:38
3.5不如不要 對方原本報2.2直接拒絕
變2我才勉強接受
Necoo avatar
By Necoo
at 2023-07-12T19:00
3.5%太高了，直接跳過專心本業吧

中國可能長期陷入通縮的主要原因

Andrew avatar
By Andrew
at 2023-07-11T11:25
: 中國目前最核心的問題不是房產也不是企業外移 : 而是未富先老帶來的養老黑洞 : 和發達國家相比，未富先老之所以嚴重 : 是因發達國家大多會趁年輕人多老人少的時候累積大量社保結餘 : 而中國年輕人多的時候還很窮，沒收到什麼錢，經濟好不容易初有成果就老齡化，經濟上 : 來，老人維持生活品質的成本就大幅上升 : ...

日媒：台積電要蓋日本二廠 明年4月動工、

Dora avatar
By Dora
at 2023-07-11T11:24
原文標題：日媒：台積電要蓋日本二廠 明年4月動工、生產12奈米 原文連結：https://udn.com/news/story/6811/7291736 發布時間： 07:28 2023-07-11 記者署名： 經濟日報／ 編譯黃淑玲 原文內容： 日本財經專業日報《日刊工業新聞》今日報導，台積電（2330 ...

中國可能長期陷入通縮的主要原因

Erin avatar
By Erin
at 2023-07-11T10:59
慘的不只這些 中國的地方政府已經入不敷出了 所以很多地方債是還不出來的 但是中共中央 決定用藉新債還舊債的方式 替地方解圍 新債從哪裡來 從各級銀行來 也就是說 銀行把人民的存款以低利率 借給地方政府 地方政府把錢還給利息較高的城投債 所以你韭菜把錢存銀行 不想消費是吧 我叫銀行把錢借給地方政府還債(貪 ...

中國可能長期陷入通縮的主要原因

Doris avatar
By Doris
at 2023-07-11T10:11
中國6月CPI跌至0低於預期的0.2% 算是進入通縮的里程碑 華爾街日報示警長期通縮外 連中時都開始擔心 https://i.imgur.com/n1OSGHE.jpg https://i.imgur.com/LOTdiCS.jpg 很多人提房地產大跌和產業外移 我的看法這些有很大影響但不見得是主因 ...

頭一遭 4家國籍航空 6月營收同刷新高

Odelette avatar
By Odelette
at 2023-07-11T09:57
原文標題：頭一遭 4家國籍航空 6月營收同刷新高 原文連結： https://wantrich.chinatimes.com/amp/news/20230711900068-420501 發布時間：04:10 2023-07-11 記者署名：中國時報 黃琮淵 原文內容： 報復性旅遊太狂，航空業熬出頭 ...