如何理財? - 理財
By Michael
at 2008-03-18T23:38
at 2008-03-18T23:38
Table of Contents
※ 引述《butternofly (TY)》之銘言:
: 各位好
: 目前的月薪約48000
: 沒有負債
: 但扣掉家用20000 自己用5000 剩下23000
: 我要如何理財才適當呢?
: 目前有考慮買保險或投資基金
: 但怎麼看還是看不太懂
: 所以乾脆說出自己的現況
: 希望各位可以提供一些意見
: 謝謝
您好,就這部份來講,如果是純投資的話,完全不建議您購買投資型保單。
除非是搭配著您需要替自己保壽險的話,那麼我才建議您買投資型保單,但只買需要的額度就夠了。
像以我自己來講,就是要cover掉「家中房貸」及「十年家用」加上「喪葬費用」,所以我有560萬的壽險。
投資基金的話,以目前的時局來看…我比較推薦您買保守性強,但經濟變好時也能賺不少的基金-美林環球資產配置基金
由於不曉得您的年紀和職業類別,有沒有買保障型保險,所以只先以一般人基本的保障跟您說。以下以年繳保費計算。
一、壽險:身故後留給家中的錢。可比照我的規劃方式。那您就至少是兩百六十萬,約三千多。
二、純意外險:至少要月薪的一百倍為佳,但發生意外事故,至少可以拿一筆錢安心養傷一段時間。年繳約五千多。
三、防癌險:這也是目前大家幾乎都要買的。畢竟罹癌率太高,年繳約五千多。
四、工作失能險:倘若發生意外事故,導致不能工作,意外險要成殘或是重大燒燙傷才有錢,這個不必,只要因受傷而不能工作就可以拿了。而且可以補貼80%薪資,若因意外而須住院,則可彌補100%薪資。約繳四千多
五、意外險實支實付:意外發生時,可以把健保不給付的門診費、掛號費…等各種費用給cover掉。一年約八百多塊。
六、住院日額險:建議是至少1600元一日,就算住上三十天,您也可以拿到四萬八千元,完全補貼家用。一年約兩千多元。
七、住院實支實付險:建議是15單位,若需要住院時,不用等健保病房,現在空床率太高,如果要等病房才能接受各種手術治療,小病也會拖成大病…而且住院期間有很多健保不給付的部份,都可以用這個來申請。像我以前因為肺炎住進健保病房一週,結果居然要五千多元,我是用健保病房免自費呢!所以我那時嚇到了,如果我七天不工作,還要付這五千多元,那還得了啊…所以這個是強烈建議要保的。這個一年約三千多元。
八、手術險:建議至少1000元為倍數,若有動手術,可以有5000~40000元的理賠金。大約要一千多元。
九、意外住院日額險:由於這個險種便宜,建議至少買個一千元日額,倘若是因意外住院,加上第六項的理賠,一天會有2600元以上。這個費用才五百多元而已。
這樣子就大約要年繳三萬了,一個月才2500元左右。但是可以讓您在住院時有100%的薪水補貼,意外受傷在家休養也會有80%以上的補貼。這樣的保單可以持續不變,除非工作薪資改變、結婚、買房子、有小孩,否則都不太需要變動了。
當然,還有重大疾病險,以我自己研究相關資料,至少要有20萬,可以撐住第一時間的七大重大疾病,不過一年要大約六千塊左右,所以就看個人需不需要了,我們全家是都買30萬以上啦。等更有錢一些,還會再加買。
因為不曉得您的其它資料,所以價格什麼的都只是預估。
也許您並沒有意識到需要買保險,除非像我們家一樣發生過,或是曾看過別人發生過,才知道那是必要的。
盼望能夠有機會當面為您解說,請放心,我個人強調資產配置,絕不會推薦您不需要的東西。
投資的話,本身也有幾年的投資及研究經驗,我想…以您的狀況,扣除以上的保費及各項稅賦之後,還會有接近兩萬的經費,可以投入長期穩健獲利的股票及基金,二十年下來,應該可以累積到千萬資產。
最後也祝您~平安 順心~
南山人壽 徐堉騵
0933129909
--
: 各位好
: 目前的月薪約48000
: 沒有負債
: 但扣掉家用20000 自己用5000 剩下23000
: 我要如何理財才適當呢?
: 目前有考慮買保險或投資基金
: 但怎麼看還是看不太懂
: 所以乾脆說出自己的現況
: 希望各位可以提供一些意見
: 謝謝
您好,就這部份來講,如果是純投資的話,完全不建議您購買投資型保單。
除非是搭配著您需要替自己保壽險的話,那麼我才建議您買投資型保單,但只買需要的額度就夠了。
像以我自己來講,就是要cover掉「家中房貸」及「十年家用」加上「喪葬費用」,所以我有560萬的壽險。
投資基金的話,以目前的時局來看…我比較推薦您買保守性強,但經濟變好時也能賺不少的基金-美林環球資產配置基金
由於不曉得您的年紀和職業類別,有沒有買保障型保險,所以只先以一般人基本的保障跟您說。以下以年繳保費計算。
一、壽險:身故後留給家中的錢。可比照我的規劃方式。那您就至少是兩百六十萬,約三千多。
二、純意外險:至少要月薪的一百倍為佳,但發生意外事故,至少可以拿一筆錢安心養傷一段時間。年繳約五千多。
三、防癌險:這也是目前大家幾乎都要買的。畢竟罹癌率太高,年繳約五千多。
四、工作失能險:倘若發生意外事故,導致不能工作,意外險要成殘或是重大燒燙傷才有錢,這個不必,只要因受傷而不能工作就可以拿了。而且可以補貼80%薪資,若因意外而須住院,則可彌補100%薪資。約繳四千多
五、意外險實支實付:意外發生時,可以把健保不給付的門診費、掛號費…等各種費用給cover掉。一年約八百多塊。
六、住院日額險:建議是至少1600元一日,就算住上三十天,您也可以拿到四萬八千元,完全補貼家用。一年約兩千多元。
七、住院實支實付險:建議是15單位,若需要住院時,不用等健保病房,現在空床率太高,如果要等病房才能接受各種手術治療,小病也會拖成大病…而且住院期間有很多健保不給付的部份,都可以用這個來申請。像我以前因為肺炎住進健保病房一週,結果居然要五千多元,我是用健保病房免自費呢!所以我那時嚇到了,如果我七天不工作,還要付這五千多元,那還得了啊…所以這個是強烈建議要保的。這個一年約三千多元。
八、手術險:建議至少1000元為倍數,若有動手術,可以有5000~40000元的理賠金。大約要一千多元。
九、意外住院日額險:由於這個險種便宜,建議至少買個一千元日額,倘若是因意外住院,加上第六項的理賠,一天會有2600元以上。這個費用才五百多元而已。
這樣子就大約要年繳三萬了,一個月才2500元左右。但是可以讓您在住院時有100%的薪水補貼,意外受傷在家休養也會有80%以上的補貼。這樣的保單可以持續不變,除非工作薪資改變、結婚、買房子、有小孩,否則都不太需要變動了。
當然,還有重大疾病險,以我自己研究相關資料,至少要有20萬,可以撐住第一時間的七大重大疾病,不過一年要大約六千塊左右,所以就看個人需不需要了,我們全家是都買30萬以上啦。等更有錢一些,還會再加買。
因為不曉得您的其它資料,所以價格什麼的都只是預估。
也許您並沒有意識到需要買保險,除非像我們家一樣發生過,或是曾看過別人發生過,才知道那是必要的。
盼望能夠有機會當面為您解說,請放心,我個人強調資產配置,絕不會推薦您不需要的東西。
投資的話,本身也有幾年的投資及研究經驗,我想…以您的狀況,扣除以上的保費及各項稅賦之後,還會有接近兩萬的經費,可以投入長期穩健獲利的股票及基金,二十年下來,應該可以累積到千萬資產。
最後也祝您~平安 順心~
南山人壽 徐堉騵
0933129909
--
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