有人敢1000萬退休靠股票生活嗎? - 股票
By Susan
at 2017-10-06T22:56
at 2017-10-06T22:56
Table of Contents
※ 引述《ilovestudykk (kkk14k)》之銘言:
: 最近看到群組討論多少錢退休才夠
: 有個人提出1000萬放在股市上
: 在加上一些生活備用金 大概幾百不等
: 就足夠退休
: 有點好奇
: 有人這樣敢在這樣的模式下退休嗎?
可以啦!
我阿母原本的計畫就是兩間老公寓,零存款+月勞保2萬退休而已
我看了只能搖頭,她老人家卻認為可以安享晚年!
超敢的!
前兩年我重新幫我阿母規劃好了退休計畫
你知道嗎? 新聞洗腦對老人家的殺傷力有多大!!
2014年阿母不聽勸執意要買房,還買那種沒電梯的老公寓
我的天~~~~講不聽~攔不住!
又不熟市場,買了比實價貴20%,給她看實價,還說房仲不會騙他!(我會騙她的意思
一直跟我說自住沒差,每聽一次我解釋一次,聽到第五次我當場發飆 冷戰數月
我也知道行情糕點,但是覺得這種老人就是要摔一次,讓她知道痛!
買貴200萬,加上未來走跌估計共損失400萬
2015後開始走跌,每個月吃飯就開始笑她,說錢丟到水溝都有聲響
從這件事妳學到啥?
她又說:自住沒差! (結果買了沒住)
幹!這句話是房仲+某吳姓炒房名嘴教的!
什麼看對眼就買,自住沒差 養老防兒
結果錢被別人騙去惹~ 吳姓名嘴祝妳小孩出門給車撞死 缺德狗!
媒體真的厲害! 我承認,真的洗不回來~
2015年我阿母又背房貸負債百萬,眼看工作年齡快到頭了,還完房貸後她拿什麼退休?
每個月2萬的勞保??
運氣不好哪邊撞了摔了躺著不能工作,不就等著法拍?
後來我只能硬著頭皮教阿母理財,但是她不信我
我就跟她說先別急著還房貸,買XXX,跌超過5%都算我的,賺了不收紅
然後就是用比較保守的趨勢做買賣 (商品較少)
這兩年她賺了不少,但我這兩年心酸誰人知.....
光最近教她買美金....(行員說線上比較便宜 臨櫃較貴)
我都能教一個下午了,何況教她趨勢和財報,講到進棺材她都不想懂 也聽不懂!
目前阿母房貸還欠300w,手頭15w美元
預計退休時能勉強存到1000萬並還完房貸,
1000*5% = 50w/12m = 4.1w+2w = 6w
每月6萬每年還能去歐洲晃一兩次圓個夢
我算過請看護+醫療這1000萬加息,算通膨能撐12年(用光)
預計她活到85歲,玩不動前應該能存更多(消費少)等等客觀條件來看
她的年齡! 1000萬現金是夠的 換算勞保2w => 480w
如果你40歲前要退休,我會建議存到2000萬並有點買股水平
再炒老闆魷魚比較保險
當然啦!
你也可以跟我阿母一樣猛
零存款退休也行!
--
: 最近看到群組討論多少錢退休才夠
: 有個人提出1000萬放在股市上
: 在加上一些生活備用金 大概幾百不等
: 就足夠退休
: 有點好奇
: 有人這樣敢在這樣的模式下退休嗎?
可以啦!
我阿母原本的計畫就是兩間老公寓,零存款+月勞保2萬退休而已
我看了只能搖頭,她老人家卻認為可以安享晚年!
超敢的!
前兩年我重新幫我阿母規劃好了退休計畫
你知道嗎? 新聞洗腦對老人家的殺傷力有多大!!
2014年阿母不聽勸執意要買房,還買那種沒電梯的老公寓
我的天~~~~講不聽~攔不住!
又不熟市場,買了比實價貴20%,給她看實價,還說房仲不會騙他!(我會騙她的意思
一直跟我說自住沒差,每聽一次我解釋一次,聽到第五次我當場發飆 冷戰數月
我也知道行情糕點,但是覺得這種老人就是要摔一次,讓她知道痛!
買貴200萬,加上未來走跌估計共損失400萬
2015後開始走跌,每個月吃飯就開始笑她,說錢丟到水溝都有聲響
從這件事妳學到啥?
她又說:自住沒差! (結果買了沒住)
幹!這句話是房仲+某吳姓炒房名嘴教的!
什麼看對眼就買,自住沒差 養老防兒
結果錢被別人騙去惹~ 吳姓名嘴祝妳小孩出門給車撞死 缺德狗!
媒體真的厲害! 我承認,真的洗不回來~
2015年我阿母又背房貸負債百萬,眼看工作年齡快到頭了,還完房貸後她拿什麼退休?
每個月2萬的勞保??
運氣不好哪邊撞了摔了躺著不能工作,不就等著法拍?
後來我只能硬著頭皮教阿母理財,但是她不信我
我就跟她說先別急著還房貸,買XXX,跌超過5%都算我的,賺了不收紅
然後就是用比較保守的趨勢做買賣 (商品較少)
這兩年她賺了不少,但我這兩年心酸誰人知.....
光最近教她買美金....(行員說線上比較便宜 臨櫃較貴)
我都能教一個下午了,何況教她趨勢和財報,講到進棺材她都不想懂 也聽不懂!
目前阿母房貸還欠300w,手頭15w美元
預計退休時能勉強存到1000萬並還完房貸,
1000*5% = 50w/12m = 4.1w+2w = 6w
每月6萬每年還能去歐洲晃一兩次圓個夢
我算過請看護+醫療這1000萬加息,算通膨能撐12年(用光)
預計她活到85歲,玩不動前應該能存更多(消費少)等等客觀條件來看
她的年齡! 1000萬現金是夠的 換算勞保2w => 480w
如果你40歲前要退休,我會建議存到2000萬並有點買股水平
再炒老闆魷魚比較保險
當然啦!
你也可以跟我阿母一樣猛
零存款退休也行!
--
Tags:
股票
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