煩請幫助我規劃及建議我應有的理財,真 … - 理財

By Erin
at 2007-05-10T00:01
at 2007-05-10T00:01
Table of Contents
首先分析你的狀況,每月扣除固定支出你僅剩1萬元的額度,這還包含你的生活費,
所以要做理財規劃基本上我覺得有難度,同時你本身保險也不足,所幸你的年終
有約10萬元,你的情況理論上稅應該很少甚至可以不用繳,所以我個人覺得你目前
可以考慮每月花3000元去購買投資型保單(附約日額醫療),以100萬保額來算的話,
每月約3000元上下,暨可以彌補你在壽險上的不足,保費也可以節稅。
另外每年的年終假設有8萬可用,將年終投資於單筆基金上,長年下來也是有可觀的收益
,附帶提一點,你可以考慮辦對加油有優惠的信用卡,不僅省油錢也可以達成遞延付款
的效果,我跟你一樣剛出社會,也是熱愛投資的新鮮人,附上我的信箱,有興趣可以
互相交流[email protected]
--
所以要做理財規劃基本上我覺得有難度,同時你本身保險也不足,所幸你的年終
有約10萬元,你的情況理論上稅應該很少甚至可以不用繳,所以我個人覺得你目前
可以考慮每月花3000元去購買投資型保單(附約日額醫療),以100萬保額來算的話,
每月約3000元上下,暨可以彌補你在壽險上的不足,保費也可以節稅。
另外每年的年終假設有8萬可用,將年終投資於單筆基金上,長年下來也是有可觀的收益
,附帶提一點,你可以考慮辦對加油有優惠的信用卡,不僅省油錢也可以達成遞延付款
的效果,我跟你一樣剛出社會,也是熱愛投資的新鮮人,附上我的信箱,有興趣可以
互相交流[email protected]
--
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