菜鳥投資疑問 - 理財
By Donna
at 2019-11-11T22:34
at 2019-11-11T22:34
Table of Contents
各位大大好,這裏先感謝願意點進來的每個人><
文長~~
小弟今年大學剛畢業,等當兵的這四個月讀了許多理財的書籍和文章(google, ptt),最後
一本是綠角的著作,覺得蠻符合自己的投資理念,但仍有一些疑問想請前輩們幫忙解惑OTZ
因為家裡長輩不懂投資,所以積蓄大半都在保險公司中(一般保險、儲蓄險),經過溝通後
,家人願意嘗試我的投資理念(ETF流派),將期滿的儲蓄險轉投入到股市與債市,假使繼
續放保險公司的話,算出來的利率僅有2.4%?即便一直放到長輩90歲左右,好像也只成長到
3.%多........
是故打算將儲蓄險解約投入市場,實現資產分配的效果(避免雞蛋全部放保險公司,雖然風
險好像也不高就是了><)
現在我的計畫是:
將預計投資的總額(儲蓄險現值約數百萬)分10年慢慢埋入ETF中,因為算第一次投資,不
熟悉操作和細節,所以不敢馬上all in
可能熟悉1~2年,或遇到股災會加速投入(理想狀態能夠克服心魔的話XD)
標的物方面:
版上好像不少人推複委託AOA,我自己打算開TD(之後可能也順便開嘉信)
但如果開TD的話是不是就乾脆自己組VT+BNDW,還是開TD買AOA也是不錯的選擇0...0?
ps.開了解投資後一直有在關注0050,但如果投資以上兩者,是否就不用特別投資0050了呢
~?
稅的部分:
大大們談到複委託的優勢是假如意外不幸發生,遺產的部分比較好解決,這方面我看得比較
懂。
比較不解的是大家在討論券商每年某ETF退稅幾%的部分,還是其實我只要ETF先買下去,其
他暫時不用管沒關係@@
此外,將資產挪往海外的話,報稅有沒有什麼需要注意的事項,小弟剛出社會,所以報稅經
驗也是0 (OTZ)
台灣銀行的部分:
目前小弟只有中信、國泰和郵局的帳戶,但大家討論電匯的好像都不是這幾間,是有推薦用
哪間銀行電匯比較方便嗎><?
以上大致是我的問題
文長、手機排版不好看的話,請大大們多多見諒QAQ
如果有太菜的提問也請鞭小力點啊~~
感謝耐心看完
--
文長~~
小弟今年大學剛畢業,等當兵的這四個月讀了許多理財的書籍和文章(google, ptt),最後
一本是綠角的著作,覺得蠻符合自己的投資理念,但仍有一些疑問想請前輩們幫忙解惑OTZ
因為家裡長輩不懂投資,所以積蓄大半都在保險公司中(一般保險、儲蓄險),經過溝通後
,家人願意嘗試我的投資理念(ETF流派),將期滿的儲蓄險轉投入到股市與債市,假使繼
續放保險公司的話,算出來的利率僅有2.4%?即便一直放到長輩90歲左右,好像也只成長到
3.%多........
是故打算將儲蓄險解約投入市場,實現資產分配的效果(避免雞蛋全部放保險公司,雖然風
險好像也不高就是了><)
現在我的計畫是:
將預計投資的總額(儲蓄險現值約數百萬)分10年慢慢埋入ETF中,因為算第一次投資,不
熟悉操作和細節,所以不敢馬上all in
可能熟悉1~2年,或遇到股災會加速投入(理想狀態能夠克服心魔的話XD)
標的物方面:
版上好像不少人推複委託AOA,我自己打算開TD(之後可能也順便開嘉信)
但如果開TD的話是不是就乾脆自己組VT+BNDW,還是開TD買AOA也是不錯的選擇0...0?
ps.開了解投資後一直有在關注0050,但如果投資以上兩者,是否就不用特別投資0050了呢
~?
稅的部分:
大大們談到複委託的優勢是假如意外不幸發生,遺產的部分比較好解決,這方面我看得比較
懂。
比較不解的是大家在討論券商每年某ETF退稅幾%的部分,還是其實我只要ETF先買下去,其
他暫時不用管沒關係@@
此外,將資產挪往海外的話,報稅有沒有什麼需要注意的事項,小弟剛出社會,所以報稅經
驗也是0 (OTZ)
台灣銀行的部分:
目前小弟只有中信、國泰和郵局的帳戶,但大家討論電匯的好像都不是這幾間,是有推薦用
哪間銀行電匯比較方便嗎><?
以上大致是我的問題
文長、手機排版不好看的話,請大大們多多見諒QAQ
如果有太菜的提問也請鞭小力點啊~~
感謝耐心看完
--
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