老爸信貸200萬要投入股票 該怎麼勸阻? - 股票

By Susan
at 2020-05-10T00:06
at 2020-05-10T00:06
Table of Contents
雖然這文章已經一個月了,但我想分享的是借貸來投資你認為9成機率會賺的東西,幹嘛
不借呢?有人認為以後還不是要還,這大家都知道的廢話,重點借貸就是拿未來的錢提前
用,利息問題或許有人看了就討厭,但把他想成是通膨吃掉就好了,你放錢到銀行定存假設
1%,也是想以後錢愈來愈薄,賺點彌補回來,人家"借"給你,難道也不是想賺點嗎?
以上是個人觀念廢話,不能接受也沒差,每個人想法不同
我個人會借貸理由 1.股市相對低點 台股漲回9xxx 我就買股衝了,認為不會跌,獲利機率
高(當時只有老本衝而已)
2.可投資一些定存股,賺得不多,但總比定存好太多(定存股5-6%很多)
說真的借貸最痛苦就是前一兩年,開始要還本金+利息,股利剛開始回本,就要先付出
了,一定有人會說那還不如每年有錢再投入,這種問題我只會給你黑人問號而已,你確定
同樣今年直接拿100萬買的股票張數會跟你分5年一年20萬投入買的股票張數一樣多?
如果你認為可以買更多或者一樣多,我覺得就是老問題,觀念不同,不能接受就算了
以下是我分享借貸方法,我是農民身分(農保),本身有農田,實際務農
https://imgur.com/a/sWwxeWW.jpg
這是青年貸款(45歲以下)週轉金,5年還完,一年只能借一百萬--->還款壓力對我來說很小
可以每年繼續借,借到45歲,新貸可還舊貸,有分半年還/一年還,當初我該選一年還的,
沒想到那麼多,沒意外的話,我會一直借到45歲不能借為止
如果你是"百大"青農,那更爽,可以借到500萬,還款好像7年還是10年,利率一樣
我沒仔細去看,因為我不是百大青農
說真的,信貸/房貸還是比較好,可以借超過10年,利率也很低,這青年貸款只是我能想到
可接受的方法(我沒房子),分享給剛好符合身分的人
以下我真的不建議貸款的人
1.評估還款能力會讓你生活品質變很差(吃麵包泡麵程度),別開玩笑了,痛苦太多
獲得太少
2.天生衰人,不會選股,買了就賠價差好幾倍,連價差不知道靠股利要領好幾年才回本
以上廢話多,最後祝大家都能早點財富自由!
--
不借呢?有人認為以後還不是要還,這大家都知道的廢話,重點借貸就是拿未來的錢提前
用,利息問題或許有人看了就討厭,但把他想成是通膨吃掉就好了,你放錢到銀行定存假設
1%,也是想以後錢愈來愈薄,賺點彌補回來,人家"借"給你,難道也不是想賺點嗎?
以上是個人觀念廢話,不能接受也沒差,每個人想法不同
我個人會借貸理由 1.股市相對低點 台股漲回9xxx 我就買股衝了,認為不會跌,獲利機率
高(當時只有老本衝而已)
2.可投資一些定存股,賺得不多,但總比定存好太多(定存股5-6%很多)
說真的借貸最痛苦就是前一兩年,開始要還本金+利息,股利剛開始回本,就要先付出
了,一定有人會說那還不如每年有錢再投入,這種問題我只會給你黑人問號而已,你確定
同樣今年直接拿100萬買的股票張數會跟你分5年一年20萬投入買的股票張數一樣多?
如果你認為可以買更多或者一樣多,我覺得就是老問題,觀念不同,不能接受就算了
以下是我分享借貸方法,我是農民身分(農保),本身有農田,實際務農
https://imgur.com/a/sWwxeWW.jpg

這是青年貸款(45歲以下)週轉金,5年還完,一年只能借一百萬--->還款壓力對我來說很小
可以每年繼續借,借到45歲,新貸可還舊貸,有分半年還/一年還,當初我該選一年還的,
沒想到那麼多,沒意外的話,我會一直借到45歲不能借為止
如果你是"百大"青農,那更爽,可以借到500萬,還款好像7年還是10年,利率一樣
我沒仔細去看,因為我不是百大青農
說真的,信貸/房貸還是比較好,可以借超過10年,利率也很低,這青年貸款只是我能想到
可接受的方法(我沒房子),分享給剛好符合身分的人
以下我真的不建議貸款的人
1.評估還款能力會讓你生活品質變很差(吃麵包泡麵程度),別開玩笑了,痛苦太多
獲得太少
2.天生衰人,不會選股,買了就賠價差好幾倍,連價差不知道靠股利要領好幾年才回本
以上廢話多,最後祝大家都能早點財富自由!
--
Tags:
股票
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