開戶及資產配置請益 - 投資

By Quintina
at 2018-01-24T01:34
at 2018-01-24T01:34
Table of Contents
各位前輩大家好
趁著當替代役期間把綠角的書及部落格仔細看過一遍
很認同被動投資這個概念,加上最近美金匯率不錯
想把先前打工及這年服役的薪水,做人生第一份投資
小弟目前25歲,今年七月會開始工作,月薪約略85K
估計工作後每個月可以存40K,短期間內無買房買車結婚的壓力
目前有100K左右的資產在數位貨幣,以及240K的閒錢
想把股債比8:2投入ETF市場,投資標的為VTI+BND
一次all in 240K,接著每年存480K分四季投入,預計落實20y+
只投資兩個標的原因是,ETF本身就很資產配置加上分四季投入
應該就很可以達到所謂的分散風險,不曉得這樣理解有無錯誤,也可以省下傭金。
此外置底文都很推Firstrade
想請問一下FT是否有自動退稅的功能呢(BND的預扣債息30%)
如果沒有的話,考慮人工以及時間成本是不是選擇TD比較好呢,看了手動退稅流程頭暈 XD
算一下手續費約略一年只差32美金(一年四次,每次兩支ETF)。
懇求前輩們撥冗指教<(_ _)>
--
趁著當替代役期間把綠角的書及部落格仔細看過一遍
很認同被動投資這個概念,加上最近美金匯率不錯
想把先前打工及這年服役的薪水,做人生第一份投資
小弟目前25歲,今年七月會開始工作,月薪約略85K
估計工作後每個月可以存40K,短期間內無買房買車結婚的壓力
目前有100K左右的資產在數位貨幣,以及240K的閒錢
想把股債比8:2投入ETF市場,投資標的為VTI+BND
一次all in 240K,接著每年存480K分四季投入,預計落實20y+
只投資兩個標的原因是,ETF本身就很資產配置加上分四季投入
應該就很可以達到所謂的分散風險,不曉得這樣理解有無錯誤,也可以省下傭金。
此外置底文都很推Firstrade
想請問一下FT是否有自動退稅的功能呢(BND的預扣債息30%)
如果沒有的話,考慮人工以及時間成本是不是選擇TD比較好呢,看了手動退稅流程頭暈 XD
算一下手續費約略一年只差32美金(一年四次,每次兩支ETF)。
懇求前輩們撥冗指教<(_ _)>
--
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