投資方式與資產配置 - 投資

By Zanna
at 2021-03-20T22:51
at 2021-03-20T22:51
Table of Contents
各位投資先進大家好
目前有幾個新手投資問題想請益
麻煩不吝指教
我本身有定期定額投入006208
和每個月一些閒錢進場買買零股
最近看了一些書和網路文章後
決定投入美股投資的行列
目前已經開好了Firstrade和ETORO
有以下幾點問題請教:
1. FT和鮪魚的選擇
原本看到鮪魚能用信用卡入金覺得很吸引人
每個月刷一次就輕鬆投入
不但能維持定期定額紀律也避免手續費
但因為安全性、合法性等疑慮看到版上似乎都不太推薦?
又有銀行擋刷的問題存在
是否應完全避免使用或是小額資金就好
2. 若使用FT的資金投入方式
目前我手邊解約定存後約有500K~1M閒錢
預計就是以此來投資美股
倘若一次換匯500K後入金FT帳戶
放在裡頭的錢應該是沒有任何利息收入的吧
所以是該直接all in參與市場呢? (放棄定期定額的優點)
還是平均金額每個月手動定期定額? (但其他資金單純放著有些浪費)
或是分批換匯後再入金買股? (又有手續費過多的問題)
3. 資產配置
爬文發現多半推薦的配置是VTI、VT、VXUS、BNDW的組合
但多半沒有推交易量數一數二的VOO或IVV
是希望更大程度的分散風險 還是股價問題?
債權ETF也多沒有推薦美債的IEF或TLT
也是考慮不要單壓美國嗎?
以上三點問題 先感謝各位的指教
謝謝~
--
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◥ ̄ ●█__● ◢◤_◣◥ . ▌◥ ▌__ __ ▌__. _ ╲ .
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--
目前有幾個新手投資問題想請益
麻煩不吝指教
我本身有定期定額投入006208
和每個月一些閒錢進場買買零股
最近看了一些書和網路文章後
決定投入美股投資的行列
目前已經開好了Firstrade和ETORO
有以下幾點問題請教:
1. FT和鮪魚的選擇
原本看到鮪魚能用信用卡入金覺得很吸引人
每個月刷一次就輕鬆投入
不但能維持定期定額紀律也避免手續費
但因為安全性、合法性等疑慮看到版上似乎都不太推薦?
又有銀行擋刷的問題存在
是否應完全避免使用或是小額資金就好
2. 若使用FT的資金投入方式
目前我手邊解約定存後約有500K~1M閒錢
預計就是以此來投資美股
倘若一次換匯500K後入金FT帳戶
放在裡頭的錢應該是沒有任何利息收入的吧
所以是該直接all in參與市場呢? (放棄定期定額的優點)
還是平均金額每個月手動定期定額? (但其他資金單純放著有些浪費)
或是分批換匯後再入金買股? (又有手續費過多的問題)
3. 資產配置
爬文發現多半推薦的配置是VTI、VT、VXUS、BNDW的組合
但多半沒有推交易量數一數二的VOO或IVV
是希望更大程度的分散風險 還是股價問題?
債權ETF也多沒有推薦美債的IEF或TLT
也是考慮不要單壓美國嗎?
以上三點問題 先感謝各位的指教
謝謝~
--
. _◥___█_ . ◢◤ ◣ __ ¢WOWARTHUR777 .
◥ ̄ ●█__● ◢◤_◣◥ . ▌◥ ▌__ __ ▌__. _ ╲ .
. ◢◤ █__█ _◢◤◥◣ _▌ ▌◥ ◣◥ ▌▌◥ ◣◥ . .
◢◤ ̄ █ █ █ █◤ ̄ ̄◥ ▌◥ ▌▌ ▌◥◣ ▌ ̄ ̄ ◥◣ .
█ █ ̄ ̄◤ ◤ . ▌◢ ▌▌ ▌◣◥ ▌▌◢ ◣◥ .
. ◤ █ . __  ̄ ̄  ̄ ̄  ̄ ̄ ̄  ̄ ̄ ̄  ̄ ̄ .
--
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