美股存股規劃心得 - 投資

By Rebecca
at 2022-01-09T14:35
at 2022-01-09T14:35
Table of Contents
※ 引述《boombastick (快樂很容易~)》之銘言:
: 標題: Re: [心得] 美股存股規劃心得
: 時間: Sat Jan 8 16:42:59 2022
:
: ※ 引述 《vivielvy》 之銘言:
: : 工作1年多了,手邊也存大概10萬,月薪4萬,扣生活費、房租每個月可以存1萬左右。
: : 希望準備緊急預備金20萬,目前預計每月拿5千出來存股,剩下的錢拿去存起來。
: 給你個建議,你工作一年多,應該20幾歲,已經有緊急預備金了,如果你真的能夠做長期投
: 資,應該生活花費之外都拿去買股票
: : 因為打算放長期,有需要用到錢才拿回來,所以選擇股8債2,這邊推薦大家可以
: 同上,只要你有把握放久,根本不需要配債…
: https://rich01.com/90-2/
: 你可以參考這篇
: 推 snippet: 我目前5000萬 快40歲 全股無債 01/08 22:51
: 推 persionbird: 樓上連活定存也沒有嗎? 如果是的話心臟真的蠻大顆的 01/08 22:55
投資對資產大的人有優勢
不管是「金融資產」或是「人力資產」
今天有兩位退休人士
A有2000萬 B有5000萬
B想要股債比100:0 是沒有問題的
因為就算碰上股災 股價腰斬再腰斬
總資產-75% B也還剩1250萬的資產
同樣的狀態下A採用股債60:40
碰到相同的股災 就算債券呈現負相關上漲20%
A的資產是剩1260萬
只要不開槓杆 冒著被斷頭的風險
總資產大的人有著絕對優勢
同理下「人力資產」也有類似的效果
一位穩定年薪500萬的人絕對有本錢比年薪50萬的人去選擇100%股票配置
甚至是進行開槓杆的配置
因為穩定的高收入就像是一個未來的債券部位
在被動投資下你沒辦法找出無風險的超額報酬
只能在風險下權衡資產配置
高收入或高資產的人可以承受的風險就是----比較大
在4%法則下工作30年退休需要的儲蓄率是30%
也就是月薪5萬 每月要存下1萬5 每月可以消費的金額是3萬5
等到你退休後能花的錢也是每月3萬5
30%儲蓄率 是退休後100%所得替代率的魔術數字
當然可在年輕時採用較高的股債比 但相對有更大風險
另一位月薪10萬的朋友 如果他儲蓄率只15%
每月花費8萬5 每月只存下1萬5
30年後退休能花的錢也是每月3萬5
只要玩的還是被動投資
本業還是最重要的------------還有爸爸跟老婆或老公
--
║ ║ ╗ ╔═
╠═╣╔╣ ╔╗╚╗
║ ║╚╩ ║║═╝
--
: 標題: Re: [心得] 美股存股規劃心得
: 時間: Sat Jan 8 16:42:59 2022
:
: ※ 引述 《vivielvy》 之銘言:
: : 工作1年多了,手邊也存大概10萬,月薪4萬,扣生活費、房租每個月可以存1萬左右。
: : 希望準備緊急預備金20萬,目前預計每月拿5千出來存股,剩下的錢拿去存起來。
: 給你個建議,你工作一年多,應該20幾歲,已經有緊急預備金了,如果你真的能夠做長期投
: 資,應該生活花費之外都拿去買股票
: : 因為打算放長期,有需要用到錢才拿回來,所以選擇股8債2,這邊推薦大家可以
: 同上,只要你有把握放久,根本不需要配債…
: https://rich01.com/90-2/
: 你可以參考這篇
: 推 snippet: 我目前5000萬 快40歲 全股無債 01/08 22:51
: 推 persionbird: 樓上連活定存也沒有嗎? 如果是的話心臟真的蠻大顆的 01/08 22:55
投資對資產大的人有優勢
不管是「金融資產」或是「人力資產」
今天有兩位退休人士
A有2000萬 B有5000萬
B想要股債比100:0 是沒有問題的
因為就算碰上股災 股價腰斬再腰斬
總資產-75% B也還剩1250萬的資產
同樣的狀態下A採用股債60:40
碰到相同的股災 就算債券呈現負相關上漲20%
A的資產是剩1260萬
只要不開槓杆 冒著被斷頭的風險
總資產大的人有著絕對優勢
同理下「人力資產」也有類似的效果
一位穩定年薪500萬的人絕對有本錢比年薪50萬的人去選擇100%股票配置
甚至是進行開槓杆的配置
因為穩定的高收入就像是一個未來的債券部位
在被動投資下你沒辦法找出無風險的超額報酬
只能在風險下權衡資產配置
高收入或高資產的人可以承受的風險就是----比較大
在4%法則下工作30年退休需要的儲蓄率是30%
也就是月薪5萬 每月要存下1萬5 每月可以消費的金額是3萬5
等到你退休後能花的錢也是每月3萬5
30%儲蓄率 是退休後100%所得替代率的魔術數字
當然可在年輕時採用較高的股債比 但相對有更大風險
另一位月薪10萬的朋友 如果他儲蓄率只15%
每月花費8萬5 每月只存下1萬5
30年後退休能花的錢也是每月3萬5
只要玩的還是被動投資
本業還是最重要的------------還有爸爸跟老婆或老公
--
║ ║ ╗ ╔═
╠═╣╔╣ ╔╗╚╗
║ ║╚╩ ║║═╝
--
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