請不要無腦推薦別人all in 股票ETF - 投資
By Necoo
at 2023-02-23T08:51
at 2023-02-23T08:51
Table of Contents
最明顯的是對退休的長輩,絕不適合全押股票。
長期來說股票ETF最佳,但那是建立在相當的長期裡且不需提領的資金才是。對年長的退休者來說:
1. 他的長期不是你的長期。他會預估自己的餘命不多,腦筋也不再好使。
2. 退休者沒有薪資收入來支付生活開銷,所以他需要穩定的現金流。通常一到三年內需要的現金,我們都不會鼓勵該資金拿去買股票。所以這部分需求不可能投到股票裡。
3. 報酬更多更高其實沒有意義,賺多了用不完帶不走,頂多是造福子孫而已。老人家需要的是穩健穩定的收入,甚至只要保本就行。
4. 老人家最忌諱的就是為了追求獲利導致虧損甚至被騙。因為他們已經沒有工作收入,也沒有時間可以彌補了。
通常都是有還算足夠的退休金才會退休。還有投資需求,原因之一是為了抗通膨,或是讓自己多放心一些而已。
如果是退休準備金不夠充裕的人,比較適當的做法是減少慾望開支,或再兼點職增加點收入,而不是冒險做更多風險投資。資產夠多的人才有餘裕進行風險投資。
只用理論是不夠的,人不是永遠那麼理性理智。尤其年紀越來越大之後,心智能力其實會一直退化,越來越沒法處理複雜的事務,只是長輩不想告訴你而已。為什麼詐騙新聞常發生在老人身上? 你可以想想看
--
長期來說股票ETF最佳,但那是建立在相當的長期裡且不需提領的資金才是。對年長的退休者來說:
1. 他的長期不是你的長期。他會預估自己的餘命不多,腦筋也不再好使。
2. 退休者沒有薪資收入來支付生活開銷,所以他需要穩定的現金流。通常一到三年內需要的現金,我們都不會鼓勵該資金拿去買股票。所以這部分需求不可能投到股票裡。
3. 報酬更多更高其實沒有意義,賺多了用不完帶不走,頂多是造福子孫而已。老人家需要的是穩健穩定的收入,甚至只要保本就行。
4. 老人家最忌諱的就是為了追求獲利導致虧損甚至被騙。因為他們已經沒有工作收入,也沒有時間可以彌補了。
通常都是有還算足夠的退休金才會退休。還有投資需求,原因之一是為了抗通膨,或是讓自己多放心一些而已。
如果是退休準備金不夠充裕的人,比較適當的做法是減少慾望開支,或再兼點職增加點收入,而不是冒險做更多風險投資。資產夠多的人才有餘裕進行風險投資。
只用理論是不夠的,人不是永遠那麼理性理智。尤其年紀越來越大之後,心智能力其實會一直退化,越來越沒法處理複雜的事務,只是長輩不想告訴你而已。為什麼詐騙新聞常發生在老人身上? 你可以想想看
--
All Comments
By Frederica
at 2023-02-25T12:21
at 2023-02-25T12:21
By Ula
at 2023-02-27T15:52
at 2023-02-27T15:52
By Brianna
at 2023-03-01T19:22
at 2023-03-01T19:22
By Oliver
at 2023-03-03T22:52
at 2023-03-03T22:52
By Valerie
at 2023-03-06T02:22
at 2023-03-06T02:22
By Genevieve
at 2023-03-08T05:53
at 2023-03-08T05:53
By Jacob
at 2023-03-10T09:23
at 2023-03-10T09:23
By Olivia
at 2023-03-12T12:53
at 2023-03-12T12:53
By Bennie
at 2023-03-14T16:24
at 2023-03-14T16:24
By George
at 2023-03-16T19:54
at 2023-03-16T19:54
By Edward Lewis
at 2023-03-18T23:24
at 2023-03-18T23:24
By Frederic
at 2023-03-21T02:54
at 2023-03-21T02:54
By Frederica
at 2023-03-23T06:25
at 2023-03-23T06:25
By Hamiltion
at 2023-03-25T09:55
at 2023-03-25T09:55
By Isabella
at 2023-03-27T13:25
at 2023-03-27T13:25
By Xanthe
at 2023-03-29T16:56
at 2023-03-29T16:56
By Isla
at 2023-03-31T20:26
at 2023-03-31T20:26
By Emma
at 2023-03-29T18:44
at 2023-03-29T18:44
By Olive
at 2023-03-31T22:14
at 2023-03-31T22:14
By Megan
at 2023-03-29T18:44
at 2023-03-29T18:44
By Charlotte
at 2023-03-31T22:14
at 2023-03-31T22:14
By Sandy
at 2023-03-29T18:44
at 2023-03-29T18:44
By Barb Cronin
at 2023-03-31T22:14
at 2023-03-31T22:14
By Andrew
at 2023-03-29T18:44
at 2023-03-29T18:44
By Yedda
at 2023-03-31T22:14
at 2023-03-31T22:14
By Isla
at 2023-03-29T18:44
at 2023-03-29T18:44
By Isla
at 2023-03-31T22:14
at 2023-03-31T22:14
By Mary
at 2023-03-29T18:44
at 2023-03-29T18:44
By Jake
at 2023-03-31T22:14
at 2023-03-31T22:14
By Bennie
at 2023-03-29T18:44
at 2023-03-29T18:44
By Emily
at 2023-03-31T22:14
at 2023-03-31T22:14
By Valerie
at 2023-03-29T18:44
at 2023-03-29T18:44
By Dorothy
at 2023-03-31T22:14
at 2023-03-31T22:14
By Aaliyah
at 2023-03-29T18:44
at 2023-03-29T18:44
By Callum
at 2023-03-31T22:14
at 2023-03-31T22:14
By Ethan
at 2023-03-29T18:44
at 2023-03-29T18:44
By Vanessa
at 2023-03-31T22:14
at 2023-03-31T22:14
By Christine
at 2023-03-29T18:44
at 2023-03-29T18:44
By Mia
at 2023-03-31T22:14
at 2023-03-31T22:14
By Delia
at 2023-03-29T18:44
at 2023-03-29T18:44
By Kama
at 2023-03-31T22:14
at 2023-03-31T22:14
By Catherine
at 2023-03-29T18:44
at 2023-03-29T18:44
By Andy
at 2023-03-31T22:14
at 2023-03-31T22:14
By Blanche
at 2023-03-29T18:44
at 2023-03-29T18:44
By Freda
at 2023-03-31T22:14
at 2023-03-31T22:14
By Rebecca
at 2023-03-29T18:44
at 2023-03-29T18:44
By Zanna
at 2023-03-31T22:14
at 2023-03-31T22:14
By Ina
at 2023-03-29T18:44
at 2023-03-29T18:44
Related Posts
Firstrade的DRIP問題
By Dorothy
at 2023-02-23T01:55
at 2023-02-23T01:55
chatgpt
By Daph Bay
at 2023-02-22T23:14
at 2023-02-22T23:14
美國政府機構債卷 如FHLB債 是好標的嗎
By Sandy
at 2023-02-22T00:55
at 2023-02-22T00:55
目標到期債券ETF
By Skylar Davis
at 2023-02-22T00:35
at 2023-02-22T00:35
理財教育不能等 基富通「熱門基金會客室」2月23日開播
By Enid
at 2023-02-21T16:34
at 2023-02-21T16:34