買指數型ETF的槓桿方式 - 投資
By Hazel
at 2021-03-06T19:31
at 2021-03-06T19:31
Table of Contents
→ willism: 借NT還NT是在信貸部位沒匯率風險,但是你的總資產(美國 03/06 16:59
→ willism: 部位)有啊,借錢去金山淘金的部位,總是要回來... 03/06 16:59
→ willism: 在台灣借,你還多了一筆換匯成本 03/06 17:01
假設某人現有資產1000萬台幣,人力資本現值2000萬台幣。 如果奇蹟發生,資產突然變成3000萬台幣,人力資本現值變成0,他應該如何投資?
(比較負面的實現方式,也許被高級跑車撞到,失去工作能力,獲賠2000萬...)
也許他決定的ideal portfolio是 500萬元台幣定存,500萬元0050,2000萬元VT
(這裡不討論ideal portfolio是哪來的,每個人的ideal portfolio都可以不一樣)
但回歸現實,目前只有1000萬,他應該如何投資?
Lifecycle investing會建議
如果可能的話,他應該借1500萬元台幣 (理論上該借2000萬,但姑且省略定存部分。)
跟ideal portfolio一樣,配置500萬元0050,2000萬元VT
之後透過工作把人力資本轉為現金,逐步歸還貸款
有價證券部分配置500萬元0050,2000萬元VT
他的匯率曝險是與ideal portfolio的匯率曝險相同的,也就是對他而言ideal的
1500萬借款部分是借台幣還台幣,沒有額外的匯率風險
如果借的是美元,但仍然配置500萬元0050,2000萬元VT
有價證券部分跟ideal portfolio的匯率曝險相同
但是借款部分借美元還台幣,就增加了額外的匯率風險
整體加起來,他的匯率曝險就不再是ideal的了
--
You got to know when to hold 'em, know when to fold 'em, Know when to walk away and know when to run.
You never count your money when you're sittin' at the table. There'll be time enough for countin' when the dealin's done.
'Cause ev'ry hand's a winner and ev'ry hand's a loser, And the best that you can hope for is to die in your sleep."
now Ev'ry gambler knows that the secret to survivin' Is knowin' what to throw away and knowing what to keep.
--
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