我的全市場指數投資及退休配置 Yr3 - 理財

By Lily
at 2022-05-02T19:46
at 2022-05-02T19:46
Table of Contents
→ heavenbeyond: 我真心建議你,如果你的資產有2000萬以上,請你直接05/01 09:53
→ heavenbeyond: 歐硬微軟或蘋果的公司債,二者目前的到期殖利率都有05/01 09:53
→ heavenbeyond: 4%左右,一年可以有80萬的被動收入,應該足夠支付退 05/01 09:53
→ heavenbeyond: 休生活。05/01 09:53
→ heavenbeyond: 沒有能力依據每個人不同的情況和當前的投資環境去給05/01 12:40
→ heavenbeyond: 予適當的建議,真的可以閉嘴。 05/01 12:40
推 heavenbeyond: 尤其是樓主這樣,我相信他很認真做了很多功課,資產05/01 12:49
→ heavenbeyond: 配置什麼的搞了一大堆,結果呢?三年有二年在做白工05/01 12:49
→ heavenbeyond: 這代表什麼?很抱歉我實話實說:05/01 12:49
→ heavenbeyond: 樓主,你沒有你自以為的那麼適合走投資這條路。05/01 12:49
→ heavenbeyond: 你可以繼續玩你的資產配置,你可以繼續。但是退休族 05/01 12:49
→ heavenbeyond: 要的到底是什麼?是一個非常穩定的現金流,還是玩資 05/01 12:49
→ heavenbeyond: 產配置玩的很開心?05/01 12:49
heavenbeyond說得未必完全沒有道理 但容我揣測,其中隱含了一些預設,而這些預設未必全部為真
1. 微軟或蘋果的公司債風險極低
2. 原po的唯一理財目標是穩定的現金流
3. 原po是非常保守的投資人
如果這些預設都是真的
將大部分資產轉換成穩定現金流,很可能可以提高原po的utility
然而,且不論微軟或蘋果的公司債風險如何
每個人的理財目標與風險偏好未必相同
似乎不必直接預設退休族一定只需要追求非常穩定的現金流
(隨便舉例,也許有些人會想在20年後幫小孩出房子的頭期款)
另外
根據ex post的realized return,來評價ex ante的決策
可能也是比較不理想的思考模式
--
So stand by your glasses steady,
Here’s good luck to the man in the sky,
Here’s a toast to the dead already,
Three cheers for the next man to die.
--
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