去槓桿的時機 - 投資
By Liam
at 2021-07-03T13:32
at 2021-07-03T13:32
Table of Contents
我個人也是目前1個房貸3個信貸,本身是公務員,所以利率目前都是1.35%至1.55%,我本
身不缺錢,卻還借這麼多錢幹嘛?因為有錢人會運用好的負債為自己創造更高的收益,且
在風險計算過後是無本生意,你們知道郭台銘也用股票直押借很多錢嗎?
以我本身而言是公務員,從5年前35歲開始,我思考到未來少子話前提一下,什麼保都不
可靠,加上靠工作薪資無法翻身,更別說致富,當時我的房貸餘額約300萬元,於是我房
屋增貸到900萬,又借了土銀台企銀等3個信貸約260萬元,每個月本息約8萬元,我把借來
的錢拿去存股,都是些不受景氣影響的民生必需股,如食品、環保、醫療、資訊服務及金
融股等,這些都是不管經濟好壞民眾都ㄧ定要消費的,即使這兩年來疫情來,公司還是越
賺越多。
5年過去了,經過轉貸或增貸,我目前房貸餘額約818萬,信貸餘額約200萬,今年現金股
利約領87萬,股票股利11萬5000元,未實現獲利到昨天7/2約435萬元,我每年股利都是領
到再投入製造複利效果,殖利率約7-8%不等,力拼2年後42歲現金股利破百萬,45歲股利1
30萬元,我45歲時信貸全清完,房貸約剩600萬元,房貸約站我月收入36%,之後就讓每年
股利
繼續滾雪球,然後銀行永遠準備好便宜銀彈(信貸房貸)讓我遇到股市大修正再進去撿便
宜:)
回過頭你問我為何要這麼做?因為時間也是成本,你要存到300、500再投資你要存多久?
且貨幣越到後面只會越貶值,購買力也下降,更何況這些銀彈都是你我存在銀行的錢,所
以越有錢的人,會借更多的錢,無本套利,以上分享個人經歷,沒有對錯,自己開心就好
哦:)
--
身不缺錢,卻還借這麼多錢幹嘛?因為有錢人會運用好的負債為自己創造更高的收益,且
在風險計算過後是無本生意,你們知道郭台銘也用股票直押借很多錢嗎?
以我本身而言是公務員,從5年前35歲開始,我思考到未來少子話前提一下,什麼保都不
可靠,加上靠工作薪資無法翻身,更別說致富,當時我的房貸餘額約300萬元,於是我房
屋增貸到900萬,又借了土銀台企銀等3個信貸約260萬元,每個月本息約8萬元,我把借來
的錢拿去存股,都是些不受景氣影響的民生必需股,如食品、環保、醫療、資訊服務及金
融股等,這些都是不管經濟好壞民眾都ㄧ定要消費的,即使這兩年來疫情來,公司還是越
賺越多。
5年過去了,經過轉貸或增貸,我目前房貸餘額約818萬,信貸餘額約200萬,今年現金股
利約領87萬,股票股利11萬5000元,未實現獲利到昨天7/2約435萬元,我每年股利都是領
到再投入製造複利效果,殖利率約7-8%不等,力拼2年後42歲現金股利破百萬,45歲股利1
30萬元,我45歲時信貸全清完,房貸約剩600萬元,房貸約站我月收入36%,之後就讓每年
股利
繼續滾雪球,然後銀行永遠準備好便宜銀彈(信貸房貸)讓我遇到股市大修正再進去撿便
宜:)
回過頭你問我為何要這麼做?因為時間也是成本,你要存到300、500再投資你要存多久?
且貨幣越到後面只會越貶值,購買力也下降,更何況這些銀彈都是你我存在銀行的錢,所
以越有錢的人,會借更多的錢,無本套利,以上分享個人經歷,沒有對錯,自己開心就好
哦:)
--
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