只進不出的標的? - 投資
By Wallis
at 2020-08-22T10:29
at 2020-08-22T10:29
Table of Contents
大家好,最近開始投資美股,使用的券商是FT跟嘉信各半以分散風險。
標的部分,目前規劃VT跟AOA各半,採分批進場只進不出buy&hold的方式,投資時間抓20
年(目前35歲預計55歲退休)
使用的投資資金都是閒置資金,原則上不會有急用變現的情況。
請問以上的配置,有無問題或什麼盲點呢?
我個人有些小疑慮的部分:
1、AOA似乎在2021年某個月份之前總內扣優惠後是0.25%,之後會調回0.31%,這樣的總
內扣跟台灣的ETF比還是算偏低,但跟VANGUARD比則偏高,如果要抱20年只進不出,AOA是
否是合適的標的呢?
2、承上問題,所以是有規劃用VT做搭配,分散風險以及降低整體內扣費用。不過,這部
分就沒有債券ETF跟VT搭配了,最近看了一些書對於再平衡、再配置有概念,但是實際要
做好像沒那麼簡單。因為這又牽涉到賣出&買進的時機問題(個人想法是交易動作越多,
錯誤的機會就越有可能會增加),這樣的話,有其他方法解決嗎?
3、承1跟2,如果要只進不出長期投入,除了我想到的VT+AOA之外,有其他的建議或標的
嗎?
4、股利預扣30%,對於20年的投資影響會很大嗎?是否有必要因此去買扣稅比較少的英
國ETF呢?
以上問題,懇求幫忙解惑,感謝!
--
標的部分,目前規劃VT跟AOA各半,採分批進場只進不出buy&hold的方式,投資時間抓20
年(目前35歲預計55歲退休)
使用的投資資金都是閒置資金,原則上不會有急用變現的情況。
請問以上的配置,有無問題或什麼盲點呢?
我個人有些小疑慮的部分:
1、AOA似乎在2021年某個月份之前總內扣優惠後是0.25%,之後會調回0.31%,這樣的總
內扣跟台灣的ETF比還是算偏低,但跟VANGUARD比則偏高,如果要抱20年只進不出,AOA是
否是合適的標的呢?
2、承上問題,所以是有規劃用VT做搭配,分散風險以及降低整體內扣費用。不過,這部
分就沒有債券ETF跟VT搭配了,最近看了一些書對於再平衡、再配置有概念,但是實際要
做好像沒那麼簡單。因為這又牽涉到賣出&買進的時機問題(個人想法是交易動作越多,
錯誤的機會就越有可能會增加),這樣的話,有其他方法解決嗎?
3、承1跟2,如果要只進不出長期投入,除了我想到的VT+AOA之外,有其他的建議或標的
嗎?
4、股利預扣30%,對於20年的投資影響會很大嗎?是否有必要因此去買扣稅比較少的英
國ETF呢?
以上問題,懇求幫忙解惑,感謝!
--
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