急流勇退之後的理財規劃... - 理財
By Carol
at 2013-03-31T21:07
at 2013-03-31T21:07
Table of Contents
替強者我朋友大叔誠心發問:
案主大叔將近四十歲,年輕時作了幾年高風險,高報酬的工作.
後來覺得身體負擔不了,退下來了.
賣命幾年得到的代價是一間房子自住,
一間套房(月租九千)+兩個車位租人(月租共五千),現金購買無貸款.
手上剩下約兩百萬現金.
退下來轉任顧問職後月薪五萬,養自己和奉養老父老母後每月結餘僅剩兩萬,
年紀和收入都達不到台灣公主的擇偶條件,因此也沒有結婚養育下一代的打算.
定期定額投資過亞洲大陸日本基金以及台股十年,結論是慘賠.
故沒有貪念,不再考慮這方面的理財致富.
沒有家累,爛命一條,所以也不需要人壽保險留錢給家人.
不想再買房收租,因為實務經驗是當房東管房客很煩,三個就飽了,
現在的房價CP值也很低.
所以想請問四十歲單身大叔手上有定存兩百萬,薪水月存兩萬,
這樣的人生階段該如何穩健理財?
--
案主大叔將近四十歲,年輕時作了幾年高風險,高報酬的工作.
後來覺得身體負擔不了,退下來了.
賣命幾年得到的代價是一間房子自住,
一間套房(月租九千)+兩個車位租人(月租共五千),現金購買無貸款.
手上剩下約兩百萬現金.
退下來轉任顧問職後月薪五萬,養自己和奉養老父老母後每月結餘僅剩兩萬,
年紀和收入都達不到台灣公主的擇偶條件,因此也沒有結婚養育下一代的打算.
定期定額投資過亞洲大陸日本基金以及台股十年,結論是慘賠.
故沒有貪念,不再考慮這方面的理財致富.
沒有家累,爛命一條,所以也不需要人壽保險留錢給家人.
不想再買房收租,因為實務經驗是當房東管房客很煩,三個就飽了,
現在的房價CP值也很低.
所以想請問四十歲單身大叔手上有定存兩百萬,薪水月存兩萬,
這樣的人生階段該如何穩健理財?
--
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