即將待業的31女資產分配詢問 - 投資
By Hamiltion
at 2023-01-27T14:39
at 2023-01-27T14:39
Table of Contents
我將在今年年中滿31歲,
目前單身無小孩不需養父母,
就是一人飽全家飽的狀態
因為一些因素決定不待在原公司了,
本身是科技產業,
打算在年後(幾天後)直接裸辭提離職,
這是已是深思熟慮後決定的事,
為了自己的身心靈,我想休息一段時間
考慮這一兩年應該景氣不佳工作不好找,
我給自己最長休息時間大概為一年至兩年,
必需有待業滿長時間的心理準備...
一進入待業期就是開始吃老本了,
不知道說是否有讓資產消耗比較緩慢的方法,
我在資產分配上完全初學者,
麻煩各為神人給些意見,非常感恩
目前資產:
銀行定存約700萬(2024年到期)
銀行活存約80萬
投資股票0050/2412目前市值約86萬
有一間登記名下的大樓老房但目前是家人收租
被動收入:
只有定存利息每月7000~8000
還有一年一點點股息(可以算沒有)
在離職後的花費:
1.凍卵(約12萬)
2.一年保險(約4.5萬)
3.房租一個月7000(租約到5月約花費2.1萬)
之後考慮是否回老家住,或者租更便宜的地方
4.每月伙食費抓1.2萬
5.在待業期間想學英文和瑜伽和短期出國旅遊
因為對資產配置沒概念
目前是打算離職後先從活存的80萬開始花起,
不動定存和股票的錢
減掉一定會花的保險凍卵房租錢後剩60萬,
剩餘60萬感覺讓我吃東西.學東西和出國玩...要撐個一年多好像有點難,
等休息夠當然還是會找工作
(可能待業恐慌會讓我馬上開始找?)
但什麼時候找到就說不準了...
不知道是否有更好節省花費或創造金流方法,
麻煩各位大神解惑,非常非常感謝
--
目前單身無小孩不需養父母,
就是一人飽全家飽的狀態
因為一些因素決定不待在原公司了,
本身是科技產業,
打算在年後(幾天後)直接裸辭提離職,
這是已是深思熟慮後決定的事,
為了自己的身心靈,我想休息一段時間
考慮這一兩年應該景氣不佳工作不好找,
我給自己最長休息時間大概為一年至兩年,
必需有待業滿長時間的心理準備...
一進入待業期就是開始吃老本了,
不知道說是否有讓資產消耗比較緩慢的方法,
我在資產分配上完全初學者,
麻煩各為神人給些意見,非常感恩
目前資產:
銀行定存約700萬(2024年到期)
銀行活存約80萬
投資股票0050/2412目前市值約86萬
有一間登記名下的大樓老房但目前是家人收租
被動收入:
只有定存利息每月7000~8000
還有一年一點點股息(可以算沒有)
在離職後的花費:
1.凍卵(約12萬)
2.一年保險(約4.5萬)
3.房租一個月7000(租約到5月約花費2.1萬)
之後考慮是否回老家住,或者租更便宜的地方
4.每月伙食費抓1.2萬
5.在待業期間想學英文和瑜伽和短期出國旅遊
因為對資產配置沒概念
目前是打算離職後先從活存的80萬開始花起,
不動定存和股票的錢
減掉一定會花的保險凍卵房租錢後剩60萬,
剩餘60萬感覺讓我吃東西.學東西和出國玩...要撐個一年多好像有點難,
等休息夠當然還是會找工作
(可能待業恐慌會讓我馬上開始找?)
但什麼時候找到就說不準了...
不知道是否有更好節省花費或創造金流方法,
麻煩各位大神解惑,非常非常感謝
--
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