定存台積電,為何成為不了顯學 - 股票
By James
at 2019-11-23T15:52
at 2019-11-23T15:52
Table of Contents
台灣整體環境 非常不鼓勵股票定存
不只是股利政策 稅賦政策 事實上連金融環境也不利
1.正確的資金運用
如果你要把現金轉換成資產--不論是股票 土地或房屋
最好就是這資產除了本身能增值
還能帶來穩定的現金流
股票是可以領股利沒錯
但實在和買房收租沒的比
尤其雙北以外 認真找都有4-7%投報率的物件
4-7%租金投報率是什麼概念?
貸款八成 利率2% 30年
房客在幫你繳房貸
就是這麼爽
你無腦持有一間房子 免費享受增值
你的房子還是房客在幫你養
2.如果臨時需要一筆錢
或是更靈活運用資金
在台灣 不動產的成本遠遠低於股票
好比你今天空手持有十張台積電 300萬
你拿去股票質押 最多只能借五成 150萬 利息還是高的嚇人的5-7%!
同樣一間300萬中南部爛公寓
拿去增貸房貸 都至少可以借七八成
利率2%
不可相比
3.所以在錢滾錢的效應下
對中產階級來講 最好的管道還是不動產
你要存定存
你乾脆買間房 當作租給自己 自己住
把房貸+租金當定存
還比較實在
--
不只是股利政策 稅賦政策 事實上連金融環境也不利
1.正確的資金運用
如果你要把現金轉換成資產--不論是股票 土地或房屋
最好就是這資產除了本身能增值
還能帶來穩定的現金流
股票是可以領股利沒錯
但實在和買房收租沒的比
尤其雙北以外 認真找都有4-7%投報率的物件
4-7%租金投報率是什麼概念?
貸款八成 利率2% 30年
房客在幫你繳房貸
就是這麼爽
你無腦持有一間房子 免費享受增值
你的房子還是房客在幫你養
2.如果臨時需要一筆錢
或是更靈活運用資金
在台灣 不動產的成本遠遠低於股票
好比你今天空手持有十張台積電 300萬
你拿去股票質押 最多只能借五成 150萬 利息還是高的嚇人的5-7%!
同樣一間300萬中南部爛公寓
拿去增貸房貸 都至少可以借七八成
利率2%
不可相比
3.所以在錢滾錢的效應下
對中產階級來講 最好的管道還是不動產
你要存定存
你乾脆買間房 當作租給自己 自己住
把房貸+租金當定存
還比較實在
--
Tags:
股票
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