要花多久時間完成資產配置? - 投資
By Belly
at 2021-01-25T23:52
at 2021-01-25T23:52
Table of Contents
各位版上的大大們好
想請教大家都是花多久時間完成資產配置的呢?
我自己是定期定額投資美股ETF快一年了
每個月固定薪資除了日常開銷之外
其他都定期定額投入到美股ETF裡面
我目前的資產配置如下:
https://imgur.com/a/tKiwQ4s
左邊目前的資產比例 右邊藍色的部分是我希望達到的資產配置
可以看到目前現金的比例非常的多 (畢竟之前錢都放在定存裡= =)
我目前的做法是
除了每個月固定存下來投入的現金流之外,再額外投入現金流的1/3到ETF裡面
舉例來說 假設我一個月的薪資扣掉日常花費可以存15000到ETF裡好了,
那我可能會在從之前的定存 多拿5000塊跟著投到ETF裡面
目的是希望把之前存太多的現金慢慢轉到股市裡
我自己計算了一下,以我上面的速度,需要約5-6年的時間才能完成資產配置
不知道這樣合不合理還是說太慢了?
因為擔心一下轉太快
比如兩年內就完成資產配置,萬一這兩年投入的時間點剛好都是在高點怎麼辦?
那就會變成我這兩年每個月都投入很高的金額 (要把之前的現金存款轉換掉)
但這兩年過後我還是只能投入固定的薪資餘額,
如果剛好兩年過後股市進入衰退期就..@@?
所以想請益大家定期定額完成資產配置的時間都怎麼拿捏的?
希望問題不會太蠢,先謝了!
--
想請教大家都是花多久時間完成資產配置的呢?
我自己是定期定額投資美股ETF快一年了
每個月固定薪資除了日常開銷之外
其他都定期定額投入到美股ETF裡面
我目前的資產配置如下:
https://imgur.com/a/tKiwQ4s
左邊目前的資產比例 右邊藍色的部分是我希望達到的資產配置
可以看到目前現金的比例非常的多 (畢竟之前錢都放在定存裡= =)
我目前的做法是
除了每個月固定存下來投入的現金流之外,再額外投入現金流的1/3到ETF裡面
舉例來說 假設我一個月的薪資扣掉日常花費可以存15000到ETF裡好了,
那我可能會在從之前的定存 多拿5000塊跟著投到ETF裡面
目的是希望把之前存太多的現金慢慢轉到股市裡
我自己計算了一下,以我上面的速度,需要約5-6年的時間才能完成資產配置
不知道這樣合不合理還是說太慢了?
因為擔心一下轉太快
比如兩年內就完成資產配置,萬一這兩年投入的時間點剛好都是在高點怎麼辦?
那就會變成我這兩年每個月都投入很高的金額 (要把之前的現金存款轉換掉)
但這兩年過後我還是只能投入固定的薪資餘額,
如果剛好兩年過後股市進入衰退期就..@@?
所以想請益大家定期定額完成資產配置的時間都怎麼拿捏的?
希望問題不會太蠢,先謝了!
--
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