新手投資配置建議 - 投資
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By Christine
at 2020-02-20T22:49
at 2020-02-20T22:49
Table of Contents
各位版友好
小弟最近花點時間研究投資及接觸ETF一些資訊,
對於即將開始投資有些問題向各位前輩請教,
希望各位不吝指教 先謝謝各位
- 資產狀況: 目前31y, 已存有一年急用金約100萬,分批高利定存
另有活存約30萬(供代墊公司款項或其他現金流使用)
此部分資產將不再另行調整增減
- 投資配置: 扣除每月所有開銷,每個月約有台幣35,000可進行台/美股投資
投入之時間至少10y以上,為短期不會動用之資產
(1) 台股預計投入台幣15,000/月:
計畫挑選三檔ETF (00692,006208,0056),每月定期定額5000投資
(2) 美股預計投入台幣20,000/月:
累積一年一次含部分年終進行台幣300,000美股複委託AOA/年
(3) 其餘若生活有剩餘之可動用資金將再以張為單位買入金融股定存 (每季)
- 問題
1. 對於台股ETF購買,是否有需要集中投資在同一檔?
有在考慮是否要增加00850或00701的部分
2. 對於美股複委託AOA後,若未來薪資增加,
將額外開海外券商購買VTI或VOO不知道對於配置上是否有更好建議
抑或是提高每年複委託AOA的金額即可?
以上為近期看完一些文章後的心得 台股將開富邦&複委託/凱基投資
若有任何疑問或配置風險 也歡迎一起討論 謝謝各位的建議
--
小弟最近花點時間研究投資及接觸ETF一些資訊,
對於即將開始投資有些問題向各位前輩請教,
希望各位不吝指教 先謝謝各位
- 資產狀況: 目前31y, 已存有一年急用金約100萬,分批高利定存
另有活存約30萬(供代墊公司款項或其他現金流使用)
此部分資產將不再另行調整增減
- 投資配置: 扣除每月所有開銷,每個月約有台幣35,000可進行台/美股投資
投入之時間至少10y以上,為短期不會動用之資產
(1) 台股預計投入台幣15,000/月:
計畫挑選三檔ETF (00692,006208,0056),每月定期定額5000投資
(2) 美股預計投入台幣20,000/月:
累積一年一次含部分年終進行台幣300,000美股複委託AOA/年
(3) 其餘若生活有剩餘之可動用資金將再以張為單位買入金融股定存 (每季)
- 問題
1. 對於台股ETF購買,是否有需要集中投資在同一檔?
有在考慮是否要增加00850或00701的部分
2. 對於美股複委託AOA後,若未來薪資增加,
將額外開海外券商購買VTI或VOO不知道對於配置上是否有更好建議
抑或是提高每年複委託AOA的金額即可?
以上為近期看完一些文章後的心得 台股將開富邦&複委託/凱基投資
若有任何疑問或配置風險 也歡迎一起討論 謝謝各位的建議
--
All Comments
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