該買年金險嗎? - ETF
By Tom
at 2023-02-23T19:40
at 2023-02-23T19:40
Table of Contents
爬了幾天的文找不太到我這種狀況的答案,所以想請教版友
今年所得稅率來到20%
6%勞退自提已經提好提滿
現在有房貸800多萬左右,每個月繳3萬多
現金的部分有7乘在股市,剩下3乘不想all in 所以目前是放存款
但是這樣會吃掉房貸的免稅額,等於也領不到利息
有考慮買債券型etf 如VGLT,但是近幾年債券型etf有時候會跟股市一起跌,避險功
能也不太好
目前考慮要不要買美元 or 台幣年金險(美金不用考慮匯損)
這樣吃得到利息,還不會吃掉房貸利息的免稅額,如果有急用也可以用借保單的方式領出
不知道我這樣是不是想得太簡單,有沒有沒考慮到的地方
先謝謝大家
--
今年所得稅率來到20%
6%勞退自提已經提好提滿
現在有房貸800多萬左右,每個月繳3萬多
現金的部分有7乘在股市,剩下3乘不想all in 所以目前是放存款
但是這樣會吃掉房貸的免稅額,等於也領不到利息
有考慮買債券型etf 如VGLT,但是近幾年債券型etf有時候會跟股市一起跌,避險功
能也不太好
目前考慮要不要買美元 or 台幣年金險(美金不用考慮匯損)
這樣吃得到利息,還不會吃掉房貸利息的免稅額,如果有急用也可以用借保單的方式領出
不知道我這樣是不是想得太簡單,有沒有沒考慮到的地方
先謝謝大家
--
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